INTRO
Message from Human Resources
Helping you and your family reach and maintain good health is very important to Sholom, and has a direct impact on our mission of providing exceptional care to our residents and making a difference in their lives. Each year, you prove you are heroes on the front lines of caring for others. In turn, Sholom Community Alliance cares for you by providing a comprehensive package of benefits for you and your family.
Sholom is pleased to offer an extensive selection of benefits designed with your health and financial wellbeing in mind. We review our benefit program each year to ensure our offerings provide the best combination of benefit coverage, network access and affordability.
Eligibility
If you previously waived any benefits, you have the option during Open Enrollment to enroll or make benefit changes and add or drop dependent coverage without having a qualifying event.
FULL-TIME: You are eligible for all benefits if you are Full-Time working 30 or more hours per week
PART-TIME: You are eligible for certain additional benefits if you are Part-Time and work 20 to 29 hours per week
Education Sessions
Join us for one of the online "live" webinar below to learn more about our 2022 benefits programs. These meetings will be approximately 60 minutes with time for Q&A.
You can choose to join the webinar individually on your phone or computer or you can view the presentation in-person at the location listed. Please note that space will be limited in accordance with social distancing guidelines.
Tuesday, November 2
Time: 10:00 a.m.
Webinar Link: https://nfp.zoom.us/j/99074402740
Meeting ID: 990 7440 2740 | Phone Access: (888) 475-4499
Attend in-person at:
- East Campus Mains Auditorium
- West Campus Ackerberg Auditorium
Wednesday, November 3
Time: 2:45 p.m.
Webinar Link: https://nfp.zoom.us/j/94838492143
Meeting ID: 948 3849 2143 | Phone access: (888) 475-4499
Attend in-person at:
- East Campus Mains Auditorium
- West Campus Ackerberg Auditorium
Can't Attend? Click below For Recorded Presentation.
OVERVIEW
Due to the number of claims and rising expenses, the overall cost of benefits has increased significantly for Sholom this year. Sholom will continue to offer BlueCross BlueShield of Minnesota, and will continue to offer the same network options. To keep premium increases to a minimum impact on employees, Sholom has shifted a significant portion of the shared premium cost from employees to Sholom. Sholom has selected New York Life Insurance to be our new life, disability, and voluntary life vendor for 2022. New York Life was selected as our new vendor due to customer service enhancements and reduced fees. In summary, the 2022 plan changes are:
- NEW: New York Life for Basic/Voluntary Life, Disability, Accident, Critical Illness and Hospital Indemnity
- NEW: Addition of Health Advocate with Medical Bill Saver for you and your families, including elderly parents!
- Buy-up voluntary short-term disability will no longer be available. If you currently have this coverage, it will end 12/31/2021.
- Minimal medical and dental increases
- All other benefits remain unchanged
Your Employee Benefit Guide and this web page provides general information as an overview. If there is any discrepancy between the insurance carrier's certificate of coverage or summary plan description and this web page or Benefit Guide, the insurance plan documents will prevail. If you have any questions, contact Human Resources.
ENROLLMENT
Action Required:
- LOG INTO ADP online or with the Mobile App between November 3 - November 17
- REVIEW your 2021 benefit elections and beneficiary designations
- CHANGE your existing coverage or make new elections no later than 10 PM on November 17.
Enrollment Notes:
- Your Medical, Dental, Vision, and Additional Voluntary benefit elections will rollover into 2022 unless you make changes.
- New York Life is offering a one-time open enrollment on the Voluntary Life, where you can elect coverage up to the guarantee issue amount without having to satisfy medical underwriting.
- Be sure to review the Accident, Critical Illness and Hospital Indemnity policies as there are some coverage differences between what you currently have and the policies with New York Life.
- REMINDER: to enroll if you wish to participate in a Health Savings Account or Flexible Spending Account in 2022, You MUST do this even if you're already participating in 2021.
How to Enroll in ADP
How to Video
How to Enroll in ADP
How to Video
ELECTION CHANGES
The Benefit choices you make during your initial enrollment or annual open enrollment remain in effect for the entire year.
You can, however, modify your elections under certain circumstances, called "Qualifying Events" These are events such as marriage, divorce, birth or adoption of a child, loss of eligibility under another plan. If you experience a qualifying event, you may make changes to your benefits within 30 days of the event or 60 days if the event is due to birth or adoption of a child.
Refer to your Employee Benefits Guide or contact Human Resources if you have questions about qualifying events.
What is a Qualifying Event?
Video
What is a Qualifying Event?
Video
MEDICAL
Sholom offers three medical plan options for Full-time employees. All options provide high-quality, affordable medical care, including preventive care, doctor's visits, hospitalization, and emergency care. However, each plan has unique characteristics and advantages. The plans are offered through BlueCross BlueShield of Minnesota.
PLAN CHOICES
- Plan A: $1,500 deductible with co-pays
- Plan B: $2,800 deductible with 30% co-insurance after deductible
- Plan C: $6,350 deductible with 0% co-insurance after deductible
NETWORK CHOICES
- Aware: In this network you have access to the largest selection of providers in Minnesota
- High Value: This network provides you access to leading primary and specialty care doctors and hospital throughout the state
Refer to your Employee Benefits Guide or to the BCBS Plan Summaries for additional coverage information.
BCBS App
Video
BCBS App
Video
Dr on Demand
Video
Dr on Demand
Video
Medical Cost Estimator
Video
Medical Cost Estimator
Video
Rx Cost Estimator
video
Rx Cost Estimator
video
Real Age Test Overview
Video
Real Age Test Overview
Video
HSA
Full-time employees are eligible to participate in a Health Savings Account (HSA)
Health savings accounts (HSA’s) are a tax-advantaged savings account paired with a high deductible health plan exclusively for the purpose of paying qualified medical, dental and vision expenses for you, your spouse and your dependents. You must be enrolled in Sholom's Plan B or C to be eligible to contribute to an HSA.
At enrollment, you select how much money you want deducted from each paycheck (24) on a pre-tax basis to meet your medical needs. You may change your election throughout the year. The IRS limits the amount of contributions employees are allowed each year, as follows:
2022 Annual Maximum Contribution
- Employee Only: $3,650
- Employee + 1: $7,300
- Family: $7,300
If you are between the ages of 55-65, you can also make an additional $1,000 “catch-up” contribution annually.
HSAs Explained
3 minute video
HSAs Explained
3 minute video
FSA
The Health Care and Dependent Care Flexible Spending Accounts (FSA) 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. These plans are administered by Benefit Resources, Inc. (BRI).
These plans must be elected each year. Your current enrollment WILL NOT rollover into 2022.
Eligibility
Full-time: Health Care FSA, Limited Health Care FSA, and/or Dependent Care FSA
Part-time: Dependent Care FSA only
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.
You may contribute as follows:
Health Care FSA
- Up to $2,850 annually
- All benefit eligible can participate, unless you or your spouse are contributing to an HSA.
- Reimbursements allowed for unreimbursed medical, prescription, dental, and vision expenses.
Limited Health Care FSA used with an HSA
- Up to $2,850 annually
- Only participants on plan Option B or C AND contribute to an HSA are eligible
- Reimbursements are limited to unreimbursed dental and vision expenses only
Dependent Care FSA
- Up to $5,000 annually
- Limited to $2,500 if you are married and file separate tax returns
How the Plan Works
You must incur your eligible expenses during the plan year — January 1 to December 31. An expense is considered to be incurred when the service is performed, not when you are billed or pay for the service. You do, however, have until March 31st annually to file your claims. Any funds after March 31 unclaimed will be forfeited.
FSAs Explained
3 minute video
FSAs Explained
3 minute video
DENTAL
Dental Insurance is available to Full-time employees.
Delta Dental has the largest dental provider network in Minnesota and the United States. The dental plan utilizes two Delta Dental network options and provides you with the freedom to see any dentist you choose.
Find a Dentist
2 minute video
Find a Dentist
2 minute video
VISION
The Voluntary Vision plan is available to Full-time and Part-time employees.
EyeMed provides coverage for prescription glasses and contact lenses, as well as other vision-related items.
How the Plan Works
Eyemed's Insight network offers access to a large variety of providers; using an in-network provider increases your discounts for services. This plan provides coverage for materials and hardware only. Coverage for vision exams are provided as a preventive service through your medical plan.
Finding an Eye Doctor
Video
Finding an Eye Doctor
Video
BASIC LIFE/AD&D
Sholom provides Full-time eligible employees with basic term life and accidental death and dismemberment (AD&D) coverage through New York Life at no cost to you.
The life benefit is payable to your designated beneficiary in the event of your death. AD&D benefits are payable to you in the event of a dismemberment or an additional benefit is payable to your beneficiary if your death is the result of an accident.
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.
Understanding Life Insurance
2 minute video
Understanding Life Insurance
2 minute video
ADDITIONAL BENEFITS
Sholom provides a competitive benefits package for all employees as part of our total compensation package. We realize you make benefit choices based on what’s important to you and the needs of your changing lifestyle. Therefore, along with our core benefits, we offer these additional benefits which help to provide financial support to Part-time and Full-time employees. Additional benefits include:
- Voluntary Life Insurance
- Accident Insurance
- Hospital Indemnity
- Critical Illness Coverage
VOLUNTARY LIFE
Voluntary Term Life and Accidental Death & Dismemberment (AD&D) Insurance through New York Life can provide money for your family if you die or are diagnosed with a terminal illness.
New York Life is offering a one-time open enrollment for 2022. This means that if you did not elect any voluntary life insurance when you were first eligible, you can elect up to the guarantee issue of $200,000 for employees, $25,000 for spouses and $10,000 for dependent children without medical underwriting.
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.
How Much Insurance Do You Need?
Life Coverage Tool
How Much Insurance Do You Need?
Life Coverage Tool
ACCIDENT INSURANCE
Accident Insurance through New York Life can pay you money for covered accidental injuries and their treatment. Accident Insurance can pay a benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. And it includes a range of incidents, from common injuries to more serious events.
HOSPITAL INDEMNITY
Hospital Insurance through New York Life can pay benefits that help you with the costs of a covered hospital visit.
How does it work?
Hospital Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you're admitted to the hospital for a covered accident, illness, or childbirth. The money is paid directly to you - not to a hospital or care provider. The money can also help you pay the out-of-pocket expenses your medical plan may not cover, such as co-insurance, co-pays and deductibles.
CRITICAL ILLNESS
Critical Illness Insurance through New York Life can pay money directly to you when you are diagnosed with certain serious illnesses.
What's covered?
- Critical Illness such as heart attack, stroke and end-stage kidney failure
- Cancer conditions, such as breast cancer and skin cancer
- Progressive disease such as Alzheimer's Multiple Sclerosis and Parkinson's disease
LEARN TO LIVE
Feeling stressed, sleepless, anxious or discouraged?
You're not alone
One in 2 people will experience a mental health issue during their lifetime - and Learn to Live is a resource for you during those difficult times.
Sholom Community Alliance has invested in your mental and emotional well-being by offering online support from Learn to Live at no cost to you and your family members 13 years of age or older.
How can Learn to Live help?
Learn to Live offers programs for Stress, Anxiety & Worry, Depression, Social Anxiety, Insomnia, and Substance Use to help you live your best life.
Member information is completely confidential, HIPAA compliant and will never be shared with Sholom.
Get started by clicking the button below to take your assessment at Learn to Live. Enter the code: Sholom
Learn to Live Member Introduction
Introduction plus video overview
Learn to Live Member Introduction
Introduction plus video overvi ...
EMPLOYEE ASSISTANCE PROGRAM
EAP
Get confidential work-life balance for the everyday challenges of work and home as well as for more serious issues involving emotional and physical well-being. Available to you, your spouses/partners, dependent children, parents and parents-in-law. Help is easy to access, including; telephone consultations, in-person sessions, and education materials.
For more information go to New York Life's Life Assistance Program at www.cignalap.com or call toll-free 24/7 at 1-800-538-3543.
National Suicide Prevention Lifeline
We can all help prevent suicide. The Lifeline provides 24/7, free and confidential support for people in distress, prevention and crisis resources for you or your loved ones, and best practices for professionals.
Call 1-800-273-8255 or visit https://suicidepreventionlifeline.org/
Health Advocate
At no cost to you, you can access Health Advocate without any waiting period and it's available to you, your family, your parents and parents-in-law!
The personal health advocate will:
- Find a doctor, hospital, second opinion or diagnostic service
- Resolve health coverage issues, medical claims, denials and appeals
- Estimate procedure costs and negotiate fees
- Locate home care, special services, senior care or hospice
- Identify wellness services and alternative medicine
Medical Bill Saver will:
- Help you maximize your benefit dollars
- Address questions or concerns related to your medical bills
- Get help negotiating discounts on medical or dental bills over $400 not covered by insurance
Call 866.799.2725 (available 24/7)
Wellbeing Resources
It's important to maintain your well being by improving your physical activity, being more mindful, and choosing nutritious foods. You have access to many resources to assist you in reaching your goals. Click the link below to explore the options available to you!!
Contact Us
As you consider your benefit options, please be sure to review all available information: Employee Benefits Guide, Sholom's Intranet, Blue Cross and Blue Shield Enrollment Guide and other videos and flyers found on this webpage. If you don't understand your benefits or need any assistance enrolling in ADP, please contact:
Bethani Sidla
(952) 939-1517
Tina Cubas
(651) 328-2043
Questions? Email: CompBen@Sholom.com