Red Spot Paint & Varnish Co., Inc.

Table of Content

  1. Header
  2. WELCOME
    1. WELCOME
    2. SELF SERVICE PORTAL
    3. BENEFITS ELIGIBILITY
    4. MEDICAL
    5. MEDICARE RESOURCES
    6. HSA
    7. FSA
    8. WELLNESS PROGRAMS
    9. PROCARE HEALTHSPOT
    10. DEACONESS EAP
    11. DENTAL
    12. VISION
    13. LIFE INSURANCE
    14. DISABILITY COVERAGE
    15. CRITICAL ILLNESS
    16. HOSPITAL INDEMNITY
    17. 401K
    18. HOLIDAYS
    19. CONTACTS
    20. ANNUAL NOTICES
    21. REMINDERS
    22. VALUE ADDED BENEFITS
    23. UNION VACATION
    24. NON UNION VACATION
    25. PAID LEAVES
  3. Footer

WELCOME

Red Spot Paint & Varnish is GROWING! We are glad you have decided to be a part of our expanding team! We have a great work environment with new wages, great benefits, and lots of opportunity. Red Spot supplies interior and exterior high-performance coatings for a world of plastics and automotive markets. We pride ourselves in being a company that has continued to thrive and grow in our community since 1903!


Brief Overview for 2024:

UMR/United Healthcare Medical –there are no PPO benefit plan design changes for plan year 2024..There are minimal changes in the High Deductible Health Plan (HDHP) to comply with IRS regulations. New premiums for both plans went into effect 1/1/24.


We encourage you to review who you are covering by logging into ADP and looking under Benefits and Enrollments. As a reminder, spouses are only eligible to be covered if they do not have coverage through their own employer. Children can be covered through the end of the month they turn 26 even if they have their own coverage available. If changes occur with you or your covered dependents through the calendar year, it is your responsibility to contact HR within 31 days of the event.


Paramount Dental –There are no changes in the dental plan design or premiums for plan year 2024. We encourage you to review who you are covering on the Red Spot Dental Plan by logging into ADP and looking under Benefits and Enrollments. As a reminder, spouses can be covered on this plan even if they have other coverage available through their own employer. Dependent children can be covered through the end of the month they turn 24.


Flexible Spending Account (FSA) - Go to the FSA tab to review detailed information.  


Voluntary Vision (VSP), Voluntary life, Critical Illness, and Hospital Indemnity - review detailed information about these plans by clicking on the tab for each relevant benefit. We are happy to announce there were no rate changes on these benefits!


 Enrollment forms – Do not complete forms unless you are adding or removing coverage for yourself and/or a dependent. All enrollment forms are listed under the relevant tabs for each benefit.  Sun Life is our vendor for Vol. Life, Vision, Critical Illness and Hospital Indemnity. Only complete one enrollment form if electing these benefits.


Important annual notices – Please click on the tab for annual notices to review relevant information related to your benefits eligibility.


Qualifying Life Event – the benefit elections you make during annual open enrollment remain in effect for the entire year of 2024 unless you experience a qualifying life event such as those shown below. If a qualifying life event occurs, you must notify HR within 31 days of the event to make the change. 

o birth/adoption

o marriage or divorce

o change in your dependent’s eligibility for benefits such as change in your spouse’s or a dependent’s employment

o You, your dependent, or your spouse become enrolled in Medicare or Medicaid

o Your dependent ceases to satisfy the dependent age eligibility requirements

SELF SERVICE PORTAL

EMPLOYEE SELF SERVICE PORTAL:

The ADP Portal provides 24-hour access—from work, home, or mobile device—to a wide range of HR resources, including W-2 information, paycheck history, summary plan descriptions, provider websites and much more!


To access the Self-Service Portal, visit https://workforcenow.adp.com (link below)

User ID- first initial last name @redspot [example- jsmith@redspot]

Password- personal password created at registration

BENEFITS ELIGIBILITY

Who is Eligible for Coverage?

Who is Eligible for Coverage?

MEDICAL

UMR

Red Spot offers 2 medical plans, a PPO and a High Deductible Health Plan (HDHP) with Health Savings Account. Both plans are administered by UMR and include a vast regional/national network of doctors/medical facilities through the United Healthcare Choice Plus Network with Optum RX providing the role of pharmacy benefit manager. Preventive care services are covered at 100% on both plans. For more detailed information, please click on the relevant documents below or login to www.umr.com using your user ID and password.  


All full time, active employees, dependents, and eligible spouses may enroll in coverage.  Eligible dependent children are covered through the end of the month of their 26th birthday. A spouse is eligible for Red Spot coverage only if they are not eligible for their own employer-sponsored plan. 


Red Spot provides an incentive in the form of a discounted premium for completing an annual health screening during an announced time. For 2024 premiums, the timeframe was October 2 through December 12, 2023. Completing a screening during that period will allow employees (and eligible spouses) to pay a discounted medical premium for all of 2024.  For employees hired after this period, they will automatically qualify for the discounted premium for all of 2024. To maintain the discounted premium during 2025, they would need to screen during the 2024 screening windows to be announced at a later date.


With your plan you also have access to:

  • Real Appeal: Real Appeal is a proven online weight loss program that’s part of Red Spot’s medical plan benefits. With personalized guidance from an online coach, meal and activity tracking, and virtual group sessions, you get tools and resources to create healthy change. This program is for employees and spouses, as well as dependent children eighteen and older, who are covered under the Red Spot Medical Plan and is FREE of charge. To be eligible for the program, you would have a BMI of 30 or higher or a lower BMI with one or more of the following health risk factors: high cholesterol, diabetes or pre-diabetes, tobacco user, or high blood pressure. Those who enroll in the program receive a “success” kit a few weeks after enrollment, which includes a food scale, regular scale, workout videos (cardio, flexibility, strength, and abdominal muscles), cookbook, and stretch bands. To find out more, log into www.umr.com and click on Health Center and then the Real Appeal icon.
  • Plan Advisors: UMR plan advisors are available weekdays from 7 a.m. to 7 p.m. Central time. During off hours or weekends a representative can assist you with claims or benefits questions, and your plan advisor can follow up during the regular business hours.
  • Compare Quality Cost: Resource to compare quality providers and costs.
  • UMR Network Labs - Any preventive or diagnostic blood work received through free standing facilities are free on the PPO plan and reduced cost for High Deductible Health Plan.
  • Teladoc


See resources below for more information.

HDHP vs PPO

HDHP vs PPO

Plan Advisor

Plan Advisor

Compare Quality Costs

Compare Quality Costs

Real Appeal

Real Appeal

Optum Rx Information

Optum Rx Information

Optum Rx Booklet

Optum Rx Booklet

UMR Network Lab Flyer

UMR Network Lab Flyer

UMR Healthcare Summary Plan

UMR Healthcare Summary Plan

UMR Enrollment Form

UMR Enrollment Form

Teladoc

Teladoc

Weekly-Hourly Paid Employees Medical Rates

Weekly-Hourly Paid Employees Medical Rates

Sem-Mo Salaried Paid Employees Medical Rates

Sem-Mo Salaried Paid Employees Medical Rates

Which Medical Plan is Right For You?

Which Medical Plan is Right For You?

SBC- PPO

SBC- PPO

HDHP SBC

HDHP SBC

UMR Mobile App Flyer

UMR Mobile App Flyer

MEDICARE RESOURCES

In our continued efforts to bring innovative solutions to your evolving health care needs, we are excited to share a program called SmartConnect, an exclusive service from SmartMatch Insurance Agency. This program is a free Medicare education and enrollment resource. It is a great resource for those who are considering retirement and feel overwhelmed by the complexities of Medicare, or for those who are currently Medicare-eligible or will be soon. The only cost an employee will see is when they (or perhaps a spouse) enroll in a plan; there are no hidden fees or extra costs.

We have partnered with SmartConnect to provide all employees year-round access to free Medicare Resources, personalized guidance, and enrollment services. SmartConnect makes the transition to Medicare easier than ever by offering free Medicare resources and one-on-one consultations with licensed insurance agents in all 50 states. This service is beneficial to anyone 64 ½ or older (or otherwise eligible for Medicare), including your family members, neighbors, and friends. Feel free to share this information.

How does it work?

 Explore SmartConnect’s Benefits GPS link shown below to access Medicare resources and compare options to get started or call directly at 855-248-1648.

  •  Learn more about Medicare from a trusted industry professional.
  • Understand what affects your health care costs and coverage options.
  • Compare your current health coverage through Red Spot coverage or another plan to multiple Medicare options.

 If you find a Medicare plan that meets your needs, SmartConnect helps you enroll immediately.

Click on any of the documents below to find out how SmartConnect might help you. Or, give them a call at 855-248-1648 Monday-Friday from 7:30 am – 5 pm Central Time.

SmartConnect Benefits

SmartConnect Benefits

Medicare While Working

Medicare While Working

Medicare Roadmap

Medicare Roadmap

Medicare 101

Medicare 101

Preparing for Medicare

Preparing for Medicare

Medicare Pre-Enrollment Checklist

Medicare Pre-Enrollment Checklist

Easy Ways to Contact SmartMatch

Easy Ways to Contact SmartMatch