INTRO
Message from Human Resources
Helping you and your family achieve and maintain good health is very important to Sholom. It has a direct impact on our commitment to provide exceptional care to our residents and make a difference in their lives. Each year, you prove that you are heroes on the front lines of caring for others. In return, Sholom Community Alliance cares for you by providing a comprehensive benefits package 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
OVERVIEW
Sholom will continue to offer BlueCross BlueShield of Minnesota and will continue to offer the same network options. Below are the following changes for 2025:
- Minimal increase in the Deductible on Plan B (per IRS embedded deductible limits)
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. If enrolling during open enrollment, log into ADP between October 30 - November 13
- REVIEW your 2024 benefit elections and beneficiary designations
- CHANGE your existing coverage or make new elections no later than 10 PM on November 13.
Enrollment Notes:
Your Medical, Dental, Vision, and Additional Voluntary benefit elections will rollover into 2025 unless you make changes.
REMINDER: if you wish to participate in a Health Savings Account or Flexible Spending Account in 2025, you MUST make an election. 2024 FSA and HSA elections WILL NOT roll over.
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.
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: $3,300 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.
Other programs offered to Blue Cross Blue Shield of Minnesota Members
Blue Care AdvisorSM
Earn rewards for taking steps toward your Health. With your new Blue Care Advisor Get Active program, small steps can lead to big benefits — and rewards.
Diabetes Prevention Program
Diabetes Prevention Program (DPP) is a Centers for Disease Control and Prevention (CDC) recognized lifestyle change program. It is based on research and focused on healthy eating and physical activity. The goal of the program is to lose at least 5% of a person’s body weight through lifestyle change.
Certified Peer Specialist
The role is proven to be effective in helping with a range of difficult circumstances, specifically with those who feel at a loss and believe their situation falls outside the realm of ‘traditional’ healthcare. This benefit drives connection to both behavioral health and medical care.
FlexAccess™
Save money on High-cost medicine. Managing long-term health conditions often comes with high-cost prescriptions. FlexAccess can help you lower your out-of-pocket costs by finding the best copay assistance discounts for you, which can make your medicines cheaper.
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:
2025 Annual Maximum Contribution
- Employee Only: $4,300
- Employee + 1: $8,550
- Family: $8,550
If you are between the ages of 55-65, you can also make an additional $1,000 “catch-up” contribution annually.
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 2025.
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 $3,300 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 $3,300 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.
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.
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.
To visit the EyeMed virtual benefit fair website click the below link and enter the password "QT647X3C"
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.
For benefit details, please review the benefits guide.
SHORT TERM DISABILITY
Short Term Disability (STD) Insurance with New York Life can help replace a portion of your income when you're unable to work. If you are unable to work for a few weeks due to a covered injury, illness or even childbirth, New York Life's Short Term Disability Insurance can provide an ongoing benefit to help keep your finances stable.
Sholom pays 100% of this benefit, so you are automatically enrolled once you are eligible.
__
Please note: This benefit is for full-time employees only.
Click on the documents below to learn more about our STD plan.
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 and AD&D Insurance
- Voluntary Long Term Disability Insurance
- Accident Insurance
- Hospital Indemnity Insurance
- Critical Illness Insurance
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.
When you’re first eligible for benefits, you have the opportunity to purchase voluntary life insurance up to the guaranteed issue limit without answering any health questions. If you want to purchase an amount above the guaranteed issue limit, you will need to provide evidence of insurability. During annual open enrollment you have the option to increase your coverage volume, or elect coverage (if previously waived) to the guaranteed issue amount, without evidence of insurability (EOI). AD&D coverage is not subject to 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.
VOLUNTARY LONG TERM DISABILITY
Sholom now offers its employee's Voluntary Long-Term Disability (VLTD) Insurance. Voluntary LTD can pay a monthly benefit of up to 60% of your normal income if you experience a covered illness or disability that leaves you unable to work for an extended period of time. You can use this benefit however you need, whether it’s to pay out-of-pocket treatment costs or to cover personal bills and day-to-day expenses.
Benefits begin after a 90-day elimination period. Benefit duration is to normal social security retirement age. Pre-existing condition exclusion is 3 months prior to your benefit enrollment date, for the first 12 months of coverage.
__
Please note: This benefit is for full-time employees only.
For additional details please review the attached summary of benefits.
ACCIDENT INSURANCE
Accident Insurance through Cigna 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 Cigna 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 Cigna 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
WELLBEING
Resources
It's important to maintain your wellbeing 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 SharePoint, 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:
Nicole Maalis
(952) 939-1517
Tina Cubas
(651) 328-2043
Questions? Email: CompBen@Sholom.com