Open Enrollment Window:
To Be Announced
WELCOME
Open Enrollment is your annual opportunity to update and learn about the benefits provided through your employer. This is a good opportunity to review your current coverage and choose the best options for you and your family. All benefit changes during open enrollment will become effective January 1, 2024.
HOW TO ENROLL or MAKE CHANGES
You must complete the Consolidated Enrollment Form that was sent to you even if you are making no changes. Remember, payroll deductions to an FSA must be reelected each year, there is a separate enrollment form for that benefit under the FSA section of this site.
Benefit changes outside of Open Enrollment require a Qualifying Life Event and/or Loss of Eligibility.
You may not change your benefits throughout the year unless you experience a Qualifying Life Event. Qualifying Events may include marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you must notify HR within 30 days of the event. Please remember you only have 30 days from the event to make changes to your benefit elections.
EAP - NEW!
Hope Community Services is excited to introduce a new and more robust Employee Assistance Program (EAP) to all employees at no cost!
Please be on the lookout for future communications on this benefit that will be available to you beginning January 1st, 2024.
PET INSURANCE - NEW!
Hope Community Services is excited to offer Pet Insurance in 2024!
You can enroll in this benefit anytime throughout the year.
Please click on the link below or scan the QR code to get your customized pet insurance quote and coverage options.
You can also call 877-738-7874 to enroll over the phone.
DISABILTY
Disability insurance helps protect your income in the event you are unable to work due to a disability related to illness or injury. Per pay period cost is based on your age and weekly or monthly salary.
Voluntary Long-Term Disability - New!
After 180 days of disability the plan pays you 60% of your monthly pre-disability income, up to $6,000 a month, until you reach Retirement Age or as long as you are no longer disabled, whichever is sooner.
Please note: We are newly offering the Voluntary Long-Term Disability coverage this year. If the minimum participation is not met for the plan, then the plan will not be offered.
Voluntary Short-Term Disability
After 14 days of disability the plan pays you 60% of your weekly pre-disability income, up to $1,500 a week, for up to 24 weeks.
Please refer to the 2024 Consolidated Enrollment Form for rate/premium information.
DENTAL - NEW!
BCBS will now administer our dental plans!
MEDICAL & Rx
BCBS administers our medical and prescription drug benefits.
Please Note: Sam's Club, CVS and Target are all out-of-network pharmacies.
VISION
Our vision coverage is through Ameritas, they utilize the VSP network for vision care.
FSA
Health Flexible Spending Account
Annual Max: $3,200
- Your elected payroll deduction will not rollover each year. You must reenroll!
- Reduce your taxable income.
- Funds over $550 at the end of the year will be forfeited.
- All elected funds are available up front.
- Pay for out-of-pocket health expenses tax free.
- Deductible, Coinsurance, Office Visit Copays, Prescriptions
- Hearing services, Hearing Aids and Batteries
- Vision Services and Eye Surgery
- Dental Services and Orthodontia
Dependent Care Flexible Spending Account
Annual Max: $5,000 per plan year/per household
- Contributions are available as they are payroll deducted.
- Reduces taxable income.
- Unused funds are forfeited.
- Tax free funds can be used for dependent care (children under 13 years old or any age if disabled).
- Before/After School Care Programs
- Day Care and Nursery Schools
- Preschool
- Summer day camps
LIFE AND AD&D
Basic Life & AD&D
Hope Community Services provides all full-time with the following:
Employee - $50,000
Spouse - $5,000
Child(ren) - $2,000
Who's Your Beneficiary? Everyone needs to make sure your beneficiary is up to date.
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.
Life Policy Conversion is available if you want to keep this coverage after you leave employment. You may apply to convert this policy to an individual whole life policy by completing the below application and following the directions on the form within 30 days of leaving employment.
Voluntary Life and AD&D
Employees may purchase additional life and AD&D insurance. Per pay period rate is based on your age and benefit amount selected. Please see the below "Voluntary Life Rate Grid" document for plan cost.
Employee - $10,000 increments up to $300,000. Guarantee Issue for new hires - $100,000
Spouse - $5,000 increments up to $150,000. Guarantee Issue - $50,000
Child(ren) - $10,000 for ages 15 days to 26 years (30 years for full-time student).
Evidence of Insurability (EOI) Form may be required if you are adding new or addental coverage (over $10K for employee and $5K for spouse) at open enrollment. BCBS will either approve or deny this additional coverage based on your EOI form.
BENEFIT VIDEOS
Below are a few informational videos.
CONTACTS
As you consider your benefit options, please be sure to review all available information: Employee Benefit Summaries, and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance, please contact:
Account Team Contacts
Stephani Wildman
Account Manager
stephani.wildman@nfp.com