Welcome

Helping you and your family reach and maintain good health is very important to Elra Industries, Inc. Elra Industries, Inc. is pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.


Eligibility

Regular employees working at least 30 hours per week are eligible to participate in benefits offered by Elra Industries, Inc. When you enroll in the benefits program, you may also cover your eligible benefits. Dependents include your legal spouse, child(ren) up to age 26 (regardless of student status, marital status, residence, or financial dependence on you), and an unmarried child incapable of self-support.



Administrative Cover Page

Administrative Cover Page

Overview

Elra Industries, Inc. remains committed to providing a competitive, cost-effective benefit program.


Please review your 2021 Elra Industries, Inc. Annual Notices.

Annual Notices

Annual Notices

Benefits Notices

Benefits Notices

ERISA

ERISA

Enrollment

How To Enroll In Benefits

Action Required:


All elections must be submitted by 09/30/2021. The benefits you elect during open enrollment will be effective from 09/01/2021-08/31/2022.


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.


Anthem Enrollment Form

Anthem Enrollment Form

Anthem Change Form

Anthem Change Form

MEDICAL

Anthem

Anthem will administer your medical and prescription drug benefits this year.


To find out if your provider is in-network, please visit the Anthem website below.

PPO Overview

PPO Overview

Prescription Drug Benefits Overview

Prescription Drug Benefits Overview

HDHP vs PPO

HDHP vs PPO

What is a HDHP with HSA?

What is a HDHP with HSA?

LIFE & AD&D

Anthem

Elra Industries, Inc. provides you with Basic Life/AD&D coverage through Anthem.


Basic Life/AD&D

Employees working 30 or more hours per week are eligible for Flat $25,000 coverage payable to your designated beneficiary in the event of your death. An additional accidental death & dismemberment benefit (AD&D) is payable to you in the event of a covered dismemberment or 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 a divorce or birth of a child.



Overview of Life Insurance Video

Overview of Life Insurance Video

Overview of Life Insurance Video

Overview of Life Insurance Vid ...

HSA

The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.


HEALTH SAVINGS ACCOUNT (HSA)

  • You may contribute up to $3,650 annually as an individual or $7,300 as a family
  • You must be enrolled in a qualified HSA-eligible health plan, but you or your spouse may not participate in an FSA or Health Reimbursement Account (HRA)


How the HSA Plan Works

You may use your HSA funds to pay for eligible medical, prescription drug, dental or vision expenses. Unused funds remain in your account for future use and roll over each calendar year. You can change your HSA contribution at any time during the plan year for any reason.

What is an HSA?

What is an HSA?

HSA vs. FSA

HSA vs. FSA

UNDERSTANDING YOUR BENEFITS

What is Preventive Care?

What is Preventive Care?

Benefit Terms Explained

Benefit Terms Explained

How To Read An EOB (Explanation of Benefits)

How To Read An EOB (Explanation of Benefits)

Contact Us


Client Contacts

ES

Eldon Smith

elra@zoomtown.com

(513) 868-6228

Account Team Contacts

CK

Colleen Koch

Account Manager

colleen.koch@nfp.com

(513) 232-9992

TH

Tina Harris

Account Executive

tina.harris@nfp.com

5132329992