INTRO
Message from Human Resources
Helping you and your family reach and maintain good health is very important to Sholom, and has a direct impact on our mission of providing exceptional care to our residents and making a difference in their lives. During this year, you have each proven you are heroes on the front lines of caring for others. In turn, Sholom Community Alliance cares for you by providing a comprehensive package of benefits for you and your family.
Sholom is pleased to offer an extensive selection of benefits designed with your health and financial wellbeing in mind. We review our benefit program each year to ensure our offerings provide the best combination of benefit coverage, network access and affordability.
Eligibility
If you are eligible, you may enroll in benefits the first of the month following 30 days of employment. If you previously waived any benefits, you have the option during Open Enrollment to enroll or make benefit changes and add or drop dependent coverage without having a qualifying event.
FULL-TIME: You are eligible for all benefits if you are Full-Time working 30 or more hours per week
PART-TIME: You are eligible for certain additional benefits if you are Part-Time and work 20 to 29 hours per week
Education Sessions
Join us for one of the online "live" webinar below to learn more about our 2021 benefits programs. These meetings will be approximately 60 minutes with time for Q&A.
You can choose to join the webinar individually on your phone or computer or you can view the presentation in-person at the location listed. Please note that space will be limited in accordance with social distancing guidelines.
Tuesday, November 3
Time: 10:00 a.m.
Webinar Link: https://nfp.zoom.us/j/99621731744
Meeting ID: 996 2173 1744 | Phone Access: (888) 475-4499
Attend in-person at:
- East Campus Mains Auditorium
- West Campus Ackerberg Auditorium
Wednesday, November 4
Time: 2:45 p.m.
Webinar Link: https://nfp.zoom.us/j/92304421160
Meeting ID: 923 0442 1160 | Phone access: (888) 475-4499
Attend in-person at:
- East Campus Mains Auditorium
- West Campus Ackerberg Auditorium
OVERVIEW
Sholom is pleased to announce that there are only minimal changes to your benefits for 2021.
Full-time Employees:
- BCBS Medical: Elimination of the Strive Network and changes in the available providers within the High Value Network (HVN)
- HSA & FSA: Maximum contribution increases for 2021
Part-time Employees:
- No Changes
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
Action Required:
- LOG INTO ADP online or with the Mobile App between November 4 - November 18
- REVIEW your 2020 benefit elections and beneficiary designations
- CHANGE your existing coverage or make new elections no later than 10 PM on November 18.
SPECIAL for 2021
- Due to the medical plan network changes, you must make a new medical election if you are currently enrolled in the BCBS STRIVE Network - due to the elimination of this network your 2020 election will NOT automatically roll over.
- Your Dental, Vision and Additional Voluntary benefit elections will rollover into 2021 unless you make changes.
- REMINDER: to enroll if you wish to participate in a Health Savings Account or Flexible Spending Account in 2021, You MUST do this even if you're already participating in 2020.
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
Sholom offers three medical plan options for Full-time employees. All options provide high-quality, affordable medical care, including preventive care, doctor's visits, hospitalization, and emergency care. However, each plan has unique characteristics and advantages. The plans are offered through Blue Cross Blue Shield of Minnesota.
PLAN CHOICES
- Plan A: $1,500 deductible with co-pays
- Plan B: $2,800 deductible with 30% co-insurance after deductible
- Plan C: $6,350 deductible with 0% co-insurance after deductible
NETWORK CHOICES
- Aware: In this network you have access to the largest selection of providers in Minnesota
- High Value: This more narrow network provides you access to leading primary and specialty care doctors ad hospital throughout the state
NOTE:
HIGH VALUE NETWORK CHANGES:
- Park Nicollet and HealthPartners will no longer be in network. If you wish to maintain your care at one of these providers, you MUST select the AWARE NETWORK.
- Fairview, North Memorial, Allina and Children's Hospital Clinics are now in-network
- HealthEast continues to be in-network
STRIVE: This network is no longer offered by BCBS. Medical providers previously available in this network are now in the High Value Network. You will need to enroll in either the Aware or High Value Network for 2021.
Refer to your Employee Benefits Guide or to the BCBS Plan Summaries for additional coverage information.
HSA
Full-time employees only are eligible to participate in a Health Savings Account (HSA)
Health savings accounts (HSA’s) are a tax-advantaged savings account paired with a high deductible health plan exclusively for the purpose of paying qualified medical, dental and vision expenses for you, your spouse and your dependents. You must be enrolled in Sholom's Plan B or C to be eligible to contribute to an HSA.
At enrollment, you select how much money you want deducted from each paycheck (24) on a pre-tax basis to meet your medical needs. You may change your election throughout the year. The IRS limits the amount of contributions employees are allowed each year, as follows:
2021 Annual Maximum Contribution
- Employee Only: $3,600
- Employee + 1: $7,200
- Family: $7,200
If you are between the ages of 55-65, you can also make an additional $1,000 “catch-up” contribution annually.
DENTAL
Dental Insurance is available to Full-time employees.
Delta Dental has the largest dental provider network in Minnesota and the United States. The dental plan utilizes two Delta Dental network options and provides you with the freedom to see any dentist you choose.
VISION
The Voluntary Vision plan is available to Full-time and Part-time employees.
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.
BASIC LIFE/AD&D
Sholom provides Full-time eligible employees 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. 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 a divorce or birth of a child.
FSA
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.
Eligibility
Full-time: Health Care FSA, Limited Health Care FSA, and/or Dependent Care FSA
Part-time: Dependent Care FSA only
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
Limited Health Care FSA used with an HSA
- Up to $2,750 annually
- Only participants who contribute to an HSA are eligible
- Reimbursements are limited to unreimbursed dental and vision expenses only
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.
ADDITIONAL BENEFITS
Sholom provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to Part-time and Full-time employees. Additional benefits include:
- Voluntary Life Insurance
- Accident Insurance
- Hospital Indemnity
- Critical Illness Coverage
- Voluntary Short Term Disability
VOLUNTARY LIFE
Voluntary Term Life and Accidental Death & Dismemberment (AD&D) Insurance through Unum can provide money for your family if you die or are diagnosed with a terminal illness.
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.
ACCIDENT INSURANCE
Accident Insurance through Unum can pay you money for covered accidental injuries and their treatment. Accident Insurance can pay a benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious events.
HOSPITAL INDEMNITY
Hospital Insurance through Unum can pay benefits that help you with the costs of a covered hospital visit.
How does it work?
Hospital Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you're admitted to the hospital for a covered accident, illness, or childbirth. The money is paid directly to you - not to a hospital or care provider. The money can also help you pay the out-of-pocket expenses your medical plan may not cover, such as co-insurance, co-pays and deductibles.
CRITICAL ILLNESS
Critical Illness Insurance can pay money directly to you when you are diagnosed with certain serious illnesses.
What's covered?
- Critical Illness such as heart attack, stroke and end-stage kidney failure
- Cancer conditions, such as breast cancer and skin cancer
- Progressive disease such as Alzheimer's Multiple Sclerosis and Parkinson's disease
VOL STD
Short Term Disability Insurance through Unum can pay you a weekly benefit if you have a covered disability that keeps you from working. Short Term Disability insurance can replace part of your income while you recover. As long as you remain disabled, you can continue to receive benefits. You have a choice of coverage amount and benefit duration. This insurance may cover a variety of conditions and injuries -- but it does not cover pre-existing conditions. Common short-term disability claims include:
Full time employees
- You are covered under the company-paid short term disability plan. You can buy-up to supplement your coverage with this option.
- Choose from $100 to $500 a week (in $100 increments). You can cover up to 40% of your weekly income.
Part time employees
- Choose from $100 to $600 a week, (in $100 increments). You can cover up to 60% of your weekly income.
LEARN TO LIVE
Feeling stressed, sleepless, anxious or discouraged?
You're not alone
One in 2 people will experience a mental health issue during their lifetime - and Learn to Live is a resource for you during those difficult times.
Sholom Community Alliance has invested in your mental and emotional well-being by offering online support from Learn to Live at no cost to you.
How can Learn to Live help?
Learn to Live offers programs for Stress, Anxiety & Worry, Depression, Social Anxiety, Insomnia, and Substance Use to help you live your best life.
Member information is completely confidential, HIPAA compliant and will never be shared with Sholom.
Get started by taking your assessment at Learn to Live.
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Sholom's Intranet, Blue Cross and Blue Shield Enrollment Guide and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance enrolling in ADP, please contact:
Bethani Sidla
(952) 939-1517
Tina Cubas
(651) 328-2043
Questions? Email: CompBen@Sholom.com