Nexus Engineering Group, LLC

Table of Content

  1. Header
  2. Page
    1. Welcome
    2. How to Enroll
    3. Medical Benefits
    4. Flexible Spending Accounts
    5. Virtual Visits
    6. Dental Benefits
    7. Vision Benefits
    8. Voluntary Benefits
    9. Basic Life/ AD&D
    10. LTD/STD
    11. 401k
    12. Contact Us
  3. Footer

Welcome

New


January 1, 2023 – December 31, 2023

 

EFFECTIVE January 1, 2023 Overview of Benefit Changes:

 

Medical/RX: Provided through Anthem with no plan changes.

Plan 1: HSA Plan $3,500/$7,000 deductible with 100% coinsurance

Plan 2: PPO Plan $3,000/$6,000 deductible with 80% coinsurance

Plan 3: PPO Plan $1,500/$3,000 deductible with 80% coinsurance


Dental: Provided through MetLife with no plan changes.

Plan 1: $50/$150 deductible, 100%/100%/60% In-Network

Plan 2: $50/$150 deductible, 100%/80%/50% In-Network


Vision: Provided through MetLife with no plan changes.

VSP Choice will be the network. Same network as Guardian.


Basic Life: Provided through MetLife with no plan changes.

Provided to you at no cost. 100% Employer paid benefit.


Short-Term Disability: Provided through MetLife with no plan changes.

Provided to you at no cost. 100% Employer paid benefit.


Voluntary Long-Term Disability: Provided through MetLife with no plan changes. Available for employees.


Voluntary Life: Provided through MetLife with no plan changes.

Available for employees, spouses, and dependents.



Qualifying Life Events

If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.

Common life events include; Marriage, Divorce, New Dependent, Loss/gain of available coverage by you or any of your dependents.


How to Enroll

ENROLLMENT INSTRUCTIONS

1.Review the information in this guide and benefit plan summaries.

2.You must complete your enrollment through Paylocity, Click on the Icon Below.

3.After logging into the Paylocity portal, click on the “Web Pay” tab and select “Web Benefits”.

4.Click on “Manage My Benefits” within the Benefits panel.

5.Within the “Action Needed” section, click the “Start” button to begin selecting your benefits.

6.Review the benefits you have selected and hit “Submit”.

7.You will not be allowed to make changes after the open enrollment window closes and you submit your enrollment, unless you experience a qualifying life event.



How to enroll

Medical Benefits

Plan 1- HSA $3,500


Deductible

Single: $3,500

Family: $7,000

Out of Pocket Max

Single: $4,000

Family: $8,000

Preventive Service: Covered at 100% No Deductible

Primary Care: 100% After Deductible

Specialist Visits: 100% After Deductible

OP Lab, X-Ray, MRI, Cat Scan:100% After Deductible

Hospital IP, OP, Surgery:100% After Deductible

Urgent Care:100% After Deductible

ER Visits:100% After Deductible


Plan 2- PPO $3,000


Deductible

Single: $3,000

Family: $6,000

Out of Pocket Max

Single: $6,000

Family: $12,000

Preventive Service: Covered at 100% No Deductible

Primary Care: $35 Copay

Specialist Visits: $70 Copay

OP Lab, X-Ray, MRI, Cat Scan: 80% After Deductible

Hospital IP, OP, Surgery: 80% After Deductible

Urgent Care:$75 Copay

ER Visits: $250 Copay


Plan 3- PPO $1,500


Deductible

Single: $1,500

Family: $3,000

Out of Pocket Max

Single: $4,000

Family: $8,000

Preventive Service: Covered at 100% No Deductible

Primary Care: $30 Copay

Specialist Visits: $50 Copay

OP Lab, X-Ray, MRI, Cat Scan: 80% After Deductible

Hospital IP, OP, Surgery: 80% After Deductible

Urgent Care:$75 Copay

ER Visits: $250 Copay


Click on the Anthem Icon to see the website

Medical
PPO $3000 SBC

PPO $3000 SBC

PPO $1500 SBC

PPO $1500 SBC

HSA SBC

HSA SBC

Flexible Spending Accounts

DEPENDENT CARE FSA

The Dependent Care FSA allows you to pay for eligible dependent care expenses with tax-free dollars so that you and your spouse can work or attend school FT. Funds in a Dependent Care FSA are only available once they have been deposited into your account and you cannot use the funds ahead of time.

-You may set aside up to $5,000 annually in pre-tax dollars, or $2,500 if you are married and file taxes separately from your spouse.

-If you participate in a Dependent Care FSA, you cannot apply the same expenses for a dependent care tax credit when you file your income taxes. All claims must be submitted through the mobile app, fax or by clicking the Paylocity logo below.


Parking/Transit FSA

With a Parking/Transit FSA (Section 132 Plan), you can get reimbursed for parking expenses incurred at or near your work location or a location from which you continue your commute to work by carpool, van pool or mass transit. Out-of-pocket parking fees for parking meters, garages and lots qualify. Parking at or near your home is not an eligible expense. 

FSA

Dental Benefits

Dental

Plan 1 NAP UCR

Single:$50

Family:$150


Preventive Care: 100%

Basic Care: 80%

Major Care: 50%

Orthodontia : 50%


Plan 2 Value MAC

Single:$50

Family:$150


Preventive Care: 100%

Basic Care: 80%

Major Care: 50%

Orthodontia : 50%

Vision Benefits

Vision Plan


Exam: $10 copay ( every 12 months)

Lenses: $25 copay ( every 12 months)

Progressive Lenses: $55 copay

Frames: $130 retail allowance. plus 20% off remaining balance ( every 24 months)

Contacts: $130 allowance ( Every 12 months)

Contact Fittings: up to $60 copay

Vision

Voluntary Benefits

Employees have the opportunity to enroll in Voluntary Life insurance. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage. Coverage is also available for your spouse and/or child dependents. It is typically required that you elect coverage for yourself in order to be eligible for coverage on your dependents.


Cost of Coverage

Premiums are based on age-rated tables and paid by the employee every pay period through a payroll deduction. These premiums are post-tax and benefits payable are tax-free.

Coverage Options

Employee Coverage

Choose in $10,000 increments up to the lesser of 5x your annual salary or $500,000

Spouse Coverage

Choose in $5,000 increments up to the lesser of 50% of the amount you elect for yourself or $150,000

Dependent Coverage*

Choose $1,000, $2,000, $4,000, $5,000, or $10,000

*15 days-6 months: $1,000

*terminates at age 26

Do I have to take a

health exam to get coverage?

If you and your dependents enroll in coverage at your initial eligibility date,

you may apply for up to the Guaranteed Issue amounts without medical questions.

Guaranteed Issue

Employee

$150,000

Spouse

$50,000

Dependent

$10,000

illness

Basic Life/ AD&D

illness

BASIC LIFE INSURANCE

Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. AD&D insurance is equal to your Life benefit in the event of your death being a result of an accident and may also pay benefits for certain injuries sustained.

Coverage Amount

Flat $50,000 Benefit

Accidental Death and Dismemberment (AD&D)

Amount equal to your Life benefit

Benefit Reduction Schedule

Your insurance will reduce to 50% of the original amount at age 70

LTD/STD

illness

SHORT-TERM DISABILITY (STD)

Everyday illnesses or injuries can interfere with your ability to work. Even a few weeks away from work can make it difficult to manage household costs. 

Short Term Disability coverage provides financial protection for you by paying a portion of your income, so you can focus on getting better and worry less about keeping up with your bills.


VOLUNTARY LONG-TERM DISABILITY (LTD)

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months – even years. 

Long Term Disability provides financial protection for you by paying a portion of your income, so you have financial support to manage your disability and your household.


PLAN FEATURES

SHORT-TERM DISABILITY (STD)

Cost of Coverage

Employer Paid

Provided at no cost to you


VOLUNTARY LONG-TERM DISABILITY (LTD)

Voluntary Benefit

Employee is responsible for 100% of the cost


Certain exclusions and any pre-existing condition limitations may apply.

Please refer to the Provider’s detailed benefit summary for details.


401k

 

EFFECTIVE 11/26/2021

All eligible employees with no election on file will automatically be enrolled at 6%

All new hires will be automatically enrolled at 6% approximately 35 days after your hire date

You will be given at least 30-day notice in advance to opt-out if you choose

 

 

 

EFFECTIVE 1/1/2022

QACA Safe Harbor: Nexus will match 100% of the first 3% and 50% of the next 2%

Anyone hired before 1/1/2022 will be 100% vested in the QACA Match

Anyone hired on or after 1/1/2022 will have a 2-year cliff: 100% vested after 2 years of service


401k

Contact Us

HR Contacts


Lisa Theis

HR Director

lisa.theis@nexusegroup.com

216-456-8562


Nicole Dashiell

HR Coordinator

nicole.dashiell@nexusegroup.com

216-225-1902


 


Account Team Contacts

CP

Carolyn Paris

Benefit Coordinators

carolyn.paris@nfp.com

(216) 816-0010

SJ

Susan Justavick

Account Executive

susan.justavick@nfp.com

(216) 264-2707