INTRO

Elness Swenson Graham Architects (ESG) offers you and your eligible family members a comprehensive and valuable benefits program. We encourage you to take the time to educate yourself about your options and choose the best coverage for you and your family.



Eligibility

If you are eligible, you may enroll in benefits immediately following 30 days of employment provided you work 20 hours or more per week. If you previously waived any benefits, you have the option during Open Enrollment o enroll or make benefit changes and add or drop dependent coverage without having a qualifying event.




OVERVIEW

An Overview of 2022 Benefit Changes


ESG is pleased to announce that there are only minimal changes to your benefits for 2022.

  • Medical: {Change here}
  • HSA & FSA: Maximum contribution increases for 2022


There are no changes to the rest of your benefit plans and only minimal changes in your contribution for medical and dental as shown in your Employee Benefit Guide.


Your Employee Benefit Guide and this web page provides general information as an overview. If there is any discrepancy between the insurance carrier's certificate of coverage or summary plan description and this web page or Benefit Guide, the insurance plan documents will prevail. If you have any questions, contact Human Resources.


ENROLLMENT

How To Enroll In Benefits

Action Required:


  1. REVIEW your 2021 benefit elections and beneficiary designations
  2. CHANGE your existing coverage or make new elections during our open enrollment period that runs {Date} to {Date}.


SPECIAL for 2022


  • REMINDER: to enroll in the Flexible Spending Account in 2021, you must make an annual election even if you're already participating in 2021.

ELECTION CHANGES

The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.


You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.


Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.

MEDICAL

Medica

ESG offers one medical plan, insured through Medica, with three distinct networks to choose from. Deductibles, copays, and out of pocket maximums are the same regardless of the network chosen. Your monthly premiums vary, however, between networks.


NETWORK CHOICES

  • Passport: Medica's largest, offering access to the largest selection of providers in Minnesota. No referrals are needed for specialists.
  • Elect: A mid-sized regional network that requires you to enroll in a primary care clinic that is affiliated with your chosen care system. Each family member is able to enroll in a different care system.
  • Vantage Plus: One of Medica's Accountable Care Organizations, offering access to HealthEast, North Memorial Health, and Fairview Physicians.


Refer to your Benefit Guide or to Medica's Summary of Benefits & Coverage for additional detail.

DENTAL

Delta Dental Plan

ESG offers a dental plan, insured by Delta Dental of MN, with the largest dental provider network in Minnesota and the United States. The plan utilizes two Delta Dental network options and provides you with the freedom to see any dentist you choose. Plan Option 1 gives you the potential for the highest level of benefits if you utilize a dentist in Delta's PPO Network. Plan Option 2 utilizes Delta's Premier Network. If you choose to seek care outside of either of Delta's networks, you may have higher out of pocket costs.


Refer to your Benefit Guide or to Delta's Benefit Summary for additional detail.

VISION

EyeMed Vision Plan

ESG's voluntary vision plan through EyeMed provides coverage for prescription glasses and contact lenses, as well as other vision-related items.


How the Plan Works

Eyemed's Insight network offers access to a large variety of providers; using an in-network provider increases your discounts for services. This plan provides coverage for materials and hardware only. Coverage for vision exams are provided as a preventive service through your medical plan.

Flexible Spending Accounts

The Health Care and Dependent Care Flexible Spending Accounts (FSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to one or both of the Flexible Spending Accounts you reduce your taxable income, so you pay less in taxes, which saves you money.


Contributions

The election you make during enrollment is your election for the entire plan year. You may change it only if you have a qualifying life event and the change request must be consistent with the event.


You may contribute as follows:

Health Care FSA

  • Up to $2,750 annually
  • All benefit eligible can participate, unless you or your spouse are contributing to an HSA.
  • Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses


Dependent Care FSA

  • Up to $5,000 annually
  • Limited to $2,500 if you are married and file separate tax returns


How the Plan Works

You must incur your eligible expenses during the plan year — January 1 to December 31. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.


BASIC LIFE/AD&D

ESG provides regular employees working 20 or more hours per week with basic term life and accidental death and dismemberment (AD&D) coverage at no cost to you.


The life benefit is payable to your designated beneficiary in the event of your death equal to 1x annual base salary to a maximum of $50,000. AD&D benefits are payable to you in the event of a dismemberment or an additional benefit is payable to your beneficiary if your death is the result of an accident.


Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as marriage, divorce, or birth of a child.

VOLUNTARY LIFE

Employees have the option to purchase additional Voluntary Term Life and Accidental Death & Dismemberment (AD&D) Insurance through Sun Life to complement the Life plan provided by ESG. Coverage can be purchased for yourself, spouse, and dependent children and is paid for through payroll deductions.


Coverage for employees is purchased in $10,000 increments up to a maximum of $500,000, spouses in increments of $5,000 up to a maximum of $250,000, and dependent children a flat amount of $1,000, $5,000, or $10,000 for all eligible children.


This plan has a guarantee issue limit. When first eligible, employees can purchase coverage up to $100,000 without having to provide health history. Spouses have a guarantee issues limit of $25,000. All amounts for children are guaranteed when first eligible.


Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.

DISABILITY

Disability Insurance through Sun Life pays you a benefit if you have a covered disability that keeps you from working. As long as you remain disabled, you can continue to receive benefits. This insurance may cover a variety of conditions and injuries -- but it does not cover pre-existing conditions.


Short Term Disability is provided by ESG. Benefits begin after a 7 day elimination period and pays 66.67% of pre-disability earnings up to a weekly maximum of $1,300.

Long Term Disability is provided by Sun Life. Benefits begin after a 60 day wait, pays a benefit equal to 60% of earnings up to a monthly maximum of $8,000.



CONTACT US

As you consider your benefit options, please be sure to review all available information in the Benefits Guide, Medica's Enrollment Guide and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance enrolling, please contact: