Table of Content
- Header
-
WELCOME
- WELCOME
-
ELIGIBILITY AND ENROLLMENT
- Eligibility
- Enrollment
-
MEDICAL/Rx
- Community Blue PPO
- BCBSM PPO HSA
- Blue Care Network HMO
- Additional Resources
- VIRTUAL VISITS
- HEALTH SAVINGS ACCOUNTS
-
DENTAL
- Pediatric Dental
-
VISION
- Pediatric Vision
- FLEXIBLE SPENDING ACCOUNTS
-
LIFE AND DISABILITY
- Basic Life, AD&D and Supplemental Life Insurance
- Short Term and Long Term Disability Benefits
- PROVIDED TO ALL EMPLOYEES
-
CONTACT INFORMATION
- Carrier Contacts
- Contact Us
- Footer
WELCOME
Helping you and your family reach and maintain good health is very important to SK Detroit Law Partners. We are pleased to offer a selection of benefits designed with your health and financial wellbeing in mind. We review our benefit programs each year to ensure we consider the best combination of benefit coverage, network access and affordability for employees.
SK Detroit Law Partners remains committed to providing a competitive, cost-effective benefit program. Each year we take great care and detail in the benefit programs offered to employees.
Please review your plan highlighter, the remainder of this page, and all of the additional resources for more information regarding SK Detroit Law Partners benefit plans.
ELIGIBILITY AND ENROLLMENT
Eligibility
All full-time employees working at least 30 hours per week are eligible to participate in the benefit plans offered by SK Detroit Law Partners. Newly hired employees coverage will be effective 1st of the month following 2 months of active employment. When you enroll in the benefits program, you may also cover your eligible dependents. Dependents include your legal spouse and children.
Children are eligible for benefits as follows:
- Medical, Dental and Vision: Until the last day of the year in which the child turns 26
- Supplemental Child Life Insurance: Until the last day of the year in which the child turns 26
Enrollment
ENROLLMENT INSTRUCTIONS:
- Review the information in this guide and benefit plan summaries.
- Login and complete your enrollment through Employee Navigator.
- You will not be allowed to make changes after the open enrollment window closes, unless you experience a qualifying life event.
The only opportunity to modify your plan elections for 2023 is if you have a Qualifying Life Event. These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a Qualifying Life Event, you may make changes to your benefits by contacting Human Resources and completing any election changes in Paycor within 30 days of the event (60 days if due to adding a new child from birth or adoption). You will need to provide supporting documentation to support the changes based on the Qualifying Life Event. Exception: HSA contributions can be changed at any time for any reason.
Contact Human Resources if you have questions about Qualifying Life Events.
MEDICAL/Rx
BCBSM & BCN I Group # (BCN) 00155012 (BCBSM) 007010929 | (BCN) (800) 662-6667 (BCBSM) (877) 722-6030 | www.bcbsm.com
SK Detroit Law Partners will continue to offer three medical and prescription drug options in 2023, all with Blue Cross Blue Shield of Michigan (BCBSM) or Blue Care Network (BCN):
- Community Blue PPO
- BCBSM PPO HSA
- BCN HMO
Opt Out Credit:
- SK Detroit Law Partners will give you a $50 monthly credit if you waive medical coverage for your dependents
- SK Detroit Law Partners will give you a $95 monthly credit if you waive medical benefits for yourself and your dependents
A comparison of the options is below:
The PPO option offers the freedom to see any provider when you need care. When you use providers from within the PPO network, you receive benefits at the discounted network cost. Most expenses, such as office visits, emergency room and prescription drugs are covered by a copay. Other expenses are subject to a deductible and coinsurance.
The PPO HSA Plan is a qualified high deductible health plan (HDHP). It is similar to the PPO Plan in that you have the option to choose any provider when you need care. However, you must satisfy a higher deductible that applies to almost all health care expenses, including those for prescription drugs. All expenses are your responsibility until the deductible is reached, with the exception of preventive care, which is covered at 100% when you visit a physician in the network. Once the deductible is met, you are responsible for coinsurance for medical expenses and a copay for prescription drug expenses.
Enrolling in this plan allows you to contribute tax free dollars to a health savings account (HSA). Any dollars that you (and your employer) wish to contribute can be used towards any eligible medical, Rx, dental and vision expenses that you may incur while covered under the plan.
An HMO gives you access to doctors and hospitals within the HMO network. But unlike PPO plans, care under an HMO plan is covered only if you see a provider within that HMO’s network. To enroll in the HMO, you must select a primary care physician (PCP), and you must obtain a referral from your PCP for other care.
Additional Resources
You may find the below information helpful.
VIRTUAL VISITS
BCBS Online Visits I Group # (BCN) 00155012 (BCBSM) 007010929 | (844) 606-1608 | www.bcbsmonlinevisits.com
All options allow you to see a provider virtually from your mobile device or your computer. You can use virtual visits when you have a non-emergency condition and:
- your doctor is not available;
- you become ill while traveling; or
- you are considering visiting a hospital emergency room for a non-emergency health condition.
Some examples of non-emergency conditions that can be treated through virtual care:
- bladder infection
- bronchitis
- fever
- rash
- flu
- sore throat
- stomach ache
How much does it cost?
- HMO - Covered 100%
- HSA: $59 (will apply towards your deductible) then 20% after the deductible has been met.
- PPO - Covered 100%
HEALTH SAVINGS ACCOUNTS
Health Equity I (866) 346-5800 I www.healthequity.com
If you enroll in the BCBSM PPO HSA option, the Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
To be eligible to contribute towards an HSA tax-free, you must meet the requirements below:
- You must be covered by a Qualified High Deductible Health Plan
- You cannot be covered by another health plan (including if your spouse has a health care Flexible Spending Account)
- You cannot be covered by Medicare or Medicaid
- You cannot be eligible to be claimed as a tax dependent
- You must have not received VA benefits in the past 90 days
HSA IRS Maximums
- $3,850 for a single contract
- $7,750 for a two person or family
Employer HSA Contribution
- $500 for a single contract
- $1,000 for a two person/family
Contribution Maximum (after employer contribution)
- $3,350 for a single contract
- $6,750 for a two person/family
$1,000 "Catch Up" contribution for those age 55+
DENTAL
Equitable | Group # 006427 | (866) 274-9887 | www.equitable.com
SK Detroit Law Partners Dental Benefits provides comprehensive coverage to help you and your family maintain good dental health. Be aware if you go out-of-network, your costs will be higher.
To find out if your provider is in-network, please visit the website below.
Pediatric Dental
Pediatric Dental coverage is offered only to dependents who are enrolled in BCBSM/BCN medical coverage and Pediatric members are members who are age 18 or younger on the plan’s effective date. They remain pediatric members through the end of the calendar year in which they turn 19.
VISION
NVA | Group # 51226 | (800) 672-7723 | www.e-nva.com
Vision coverage is provided through NVA and helps pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations.
To find out if your provider is in-network, please visit the website below.
Pediatric Vision
Pediatric Vision coverage is offered only to dependents who are enrolled in BCBSM/BCN medical coverage and Pediatric members are members who are age 18 or younger on the plan’s effective date. They remain pediatric members through the end of the calendar year in which they turn 19.
FLEXIBLE SPENDING ACCOUNTS
Employee Benefit Concepts, Inc. I (248) 855-8040 I Email: flexclaims@groupresources.com
SK Detroit Law Partners offers both Health Care and Dependent Care Flexible Spending Accounts (FSA) that 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. In order to participate in either FSA, you must enroll during this open enrollment period.
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.
Health Care FSA
- Up to $3,050 annually
- All benefit eligible can participate
- If you are enrolled in the HDHP PPO with HSA plan, you will be eligible for the Limited Purpose FSA only
- A maximum amount of $610 will be carried over to your 2024 FSA, any amount leftover in excess of $610 will be forfeited
- Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses
Limited Purpose FSA
- If you open or contribute to a Health Saving Account (HSA), you may only enroll in a Limited Purpose FSA.
- If you enroll in a HDHP (High Deductible Health Plan) and elect a Health FSA, you will automatically be enrolled in the Limited Purpose FSA.
- The limited purpose FSA will reimburse you for dental and vision expenses ONLY
Dependent Care FSA
- Up to $5,000 annually, $2,500 if you are married and file separate tax returns
- Reimbursements allowed for care for certain dependent children (under age 13) and for a spouse, parent or grandparent that is incapable for caring for themselves
LIFE AND DISABILITY
SK Detroit Law Partners provides you with financial protection benefits with Basic Life insurance, Accidental Death & Dismemberment (AD&D) insurance, Short Term Disability and Long Term Disability benefits with Unum. You also have the opportunity to purchase Supplemental Life insurance.
Basic Life, AD&D and Supplemental Life Insurance
Reliance Standard | Policy # GL 158612 | (800) 351-7500 I www.reliancestandard.com
Basic Life/AD&D
You are automatically enrolled in Basic Life and AD&D insurance benefits. Your Basic Life Insurance benefit is 2x your base annual earnings, up to a $350,000 maximum (reduced if you are age 70 or older), and the amount of your AD&D benefit is equal to your Life insurance. You do not need to enroll in these benefits as they are provided at no cost to you.
Supplemental Life
You have the opportunity to enroll in Supplemental Life insurance for yourself, your spouse or your dependent children, which will supplement lost income in the event of death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage. You must elect Supplemental Life insurance coverage in order to elect coverage for your spouse and/or children.
- Employee: Choose in $10,000 increments up to the lesser of 5x your annual salary or $500,000. Guarantee Issue: $150,000
- Spouse: Choose in $10,000 increments up to the lesser of 50% of the amount you elect for yourself or $250,000. Guarantee Issue: $20,000
- Child: Flat coverage of $10,000. Guarantee Issue: $10,000
Evidence of Insurability (EOI): When you are first eligible (at hire) for Voluntary Life and AD&D, you may purchase up to the Guaranteed Issue (GI) for yourself and your spouse without providing proof of good health (EOI). Annually, you are able to increase elections 1 increment up to GI without proof of good heath.
Any amount elected over the GI will require EOI. Late Entrant will require EOI.
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.
Short Term and Long Term Disability Benefits
Lincoln Financial Group | Policy # 00010185254 (LTD) 000010185255 (STD) | (888) 628- 4824I www.lfg.com
If eligible, you are automatically enrolled in Short Term and Long Term Disability benefits, provided to you by the company.
Short Term Disability-Employer Paid
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. Your Short Term Disability benefit is equal to 66.67% of your base weekly earnings (up to $1,000 per week) for up to 11 weeks.
Long Term Disability-Employer Paid
Serious illnesses or accidents 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. Your Long Term Disability benefit is equal to 60% of your base monthly earnings up to a specific maximum benefit (see Human Resources for more information).
PROVIDED TO ALL EMPLOYEES
The resources below are provided to all full-time employees at no additional cost:
- EmployeeConnect - Employee Assistance Plan (EAP) - All employees and their families have access to use the EAP services through Lincoln Financial Group. Representatives are available 24/7 who can assist you through work-life balance, stress management, grief, counseling, and much more. They will also help you find resources within your community.
CONTACT INFORMATION
Carrier Contacts
Contact information for each carrier is conveniently located below:
BCBSM & BCN I Group # (BCN) 00155012 (BCBSM) 007010929 | (BCN) (800) 662-6667 (BCBSM) (877) 722-6030 | www.bcbsm.com
BCBS Online Visits I Group # (BCN) 00155012 (BCBSM) 007010929 | (844) 606-1608 | www.bcbsmonlinevisits.com
Health Equity I (866) 346-5800 I www.healthequity.com
Equitable | Group # 006427 | (866) 274-9887 | www.equitable.com
NVA | Group # 51226 | (800) 672-7723 | www.e-nva.com
Employee Benefit Concepts, Inc. I (248) 855-8040 I Email: flexclaims@groupresources.com
Reliance Standard | Policy # GL 158612 | (800) 351-7500 I www.reliancestandard.com
Lincoln Financial Group (STD & LTD) | Policy # 00010185254 (LTD) 000010185255 (STD) | (800) 423-2765 I www.lfg.com
Lincoln Financial Group (EAP) | (888) 628- 4824 I www.guideresources.com
Contact Us
As you consider your benefit options, please be sure to review all available information, including the videos and links found on this webpage. If you have questions or need assistance, please contact Human Resources.