Welcome
Caring People Alliance strives to offer employees an array of benefit options to fit a variety of employee needs. Open enrollment is the time to review the benefits and make any changes for the coming plan year (9/1/2023 to 8/31/2024).
Caring People Alliance is pleased to announce that the benefits will be staying the same this open enrollment period, and we are thrilled to share that the employee cost-share has been revamped for the 2023-2024 plan year. Caring People Alliance is enhancing the medical subsidy so most will see a savings to your medical cost along updating medical contributions from four-tier salary bands to three-tier salary bands. Payroll deductions will also move from a 24-pay cycle to a 26-pay cycle.
Please read this overview carefully as it contains the actions you need to take during open enrollment. All benefit elections made during open enrollment will be effective on September 1, 2023.
Plan to attend the open enrollment presentation by clicking the link below or download the slide presentation by clicking the picture below.
August 9th 9am - 10am
Click here to join the meeting
Meeting ID: 299 445 373 424
Passcode: uK6R4W
Benefits Overview
MEDICAL BENEFITS
There are no changes to plan design.
Caring People Alliance offers three medical plan options through Independence Blue Cross (IBC) and Keystone Health Plan East (KHPE). All three plans include Prescription Drug coverage. As mentioned above, please be sure to review the new cost structure and your per pay cost.
SUPPLEMENTAL VOLUNTARY BENEFITS
There are no changes to plan design.
The supplemental voluntary benefits offered through Unum include the following benefits:
• Accident Insurance
• Hospital Insurance
• Critical Illness Insurance
DENTAL AND VISION BENEFITS
There are no changes to plan design. Please review your new cost per pay with the move to a 26-pay period.
BASIC LIFE / AD&D, LONG TERM DISABILITY BENEFITS
There are no changes to plan design.
If you are currently enrolled in Voluntary Life: you will only see a change in your payroll contribution if you moved into a new age bracket during the plan year (i.e. from 25-29, 40-44, etc.).
If you are a new hire, Evidence of Insurability is not required if your election is not above the guaranteed issue amount of $100,000 for you and $25,000 for your spouse.
COMMUTER BENEFITS -Now Administered Through Baker Tilly
The Commuter program will save money on your commute to work by using pre-tax dollars via payroll deduction for eligible transit and parking expenses. A debit card will be provided through Baker Tilly for your ease in using the benefit. Refer to the Commuter Benefits in the benefits guidebook for additional details.
PET INSURANCE BENEFIT
Caring People Alliance will continue to offer Pet Insurance at a discounted rate.
What Do I Need To Do During Open Enrollment?
Please log onto ADP to elect benefits by August 11th.
How Will I Enroll In Benefits?
Log into ADP self-service site to elect your benefits. Click on the link below in the blue box to enroll in your benefits.
Remember, Pet Insurance does not appear on ADP. Please contact Nationwide directly to enroll (instructions are in the Guidebook).
Annual Open Enrollment begins on July 31, 2023 and ends August 11, 2023
Why Is Open Enrollment Important To Me?
You should carefully consider your open enrollment decision as this is the only time you are permitted to change your benefit elections without a qualifying life event. Your decisions will remain in effect for the entire plan year (September 1, 2023 to August 31, 2024) unless you experience a qualifying life event. The life events that allow a benefit election change are noted below.
• Marriage or divorce
• Birth or adoption of a child
• Death of a dependent
• Start or end of your spouse’s employment and insurance coverage
• Your dependent becomes ineligible for coverage
• Becoming eligible for Medicare or Medicaid during the plan year
• Reduction of hours to less than 30 hours per week
• Enrollment under a qualified health plan offered by a state health insurance
Resources
Guidebook
Online Resources
HDHP Toolkit / Cost Comparison
IBC Programs
What If I Have Questions?
If you have questions regarding the benefits offered, please contact NFP’s dedicated Benefit Support Team that is available from 8:00am to 5:00pm EST Monday through Friday.
Phone: 855-287-2202 (toll free)
Email: BenefitsSupportTeamCSMidAtlantic@nfp.com
If you have questions regarding ADP, log in credentials and other portal issues, please contact David Waterstram at 215-545-5230 Ext:1012.