Table of Content
- Header
-
Overview
- Introduction
- Benefits Overview
- Medical
- Dental
- Vision
- Life and Disability Insurance
- Additional Benefits
- Flexible Spending Account
- Benefit Summary Information
- How To Enroll
- Contact Information
- Footer
Introduction
Welcome! In this page, you will find all of the information regarding the benefits offered by Suburban Sports.
With that, you will find yourself equipped with resources to find care and plan information.
Benefits Overview
As you navigate this page, click on the sections and videos or links to find additional detail.
If you have gone through open enrollment before, you will see that there were not any changes to your plan offerings for the new year! Once in Bswift, you will be able to make changes as it is open enrollment, or keep everything the same as previously elected.
Eligibility and Qualifying Life Events
Medical benefits are offered to full-time employees who work a minimum of 30 hours a week, and all other benefits are offered to employees working 40 hours a week. New employees are eligible on the 1st of the month following 60 days of active employment. Dependents, as defined as a legal spouse or child may be enrolled with employees as well. Dependent eligibility varies by line of coverage. If you have a child on medical, dental, vision or legal plan, they may remain until the end of the calendar year they turn 26. If you cover your child however on child life insurance, they are eligible until the date they turn 20 or 26 if they are a full-time student.
Qualifying life events allow you to change your coverage when something changes in your life. Some examples include, marriage and divorce, birth or adoption, and loss or gain of coverage related to those circumstances previously listed or a change in job if on a spousal plan. After these changes occur, you have 30 days from event date to change necessary elections by contacting human resources.
Important note: If your spouse is employed and has access to medical coverage, you are not allowed to enroll them under the Suburban Sports medical and dental benefits.
If you separate from employment, COBRA continuation of coverage may be available as applicable by law.
Medical
Suburban offers a PPO 2500 plan through Blue Cross Blue Shield of Michigan. Your contributions vary based on if you are a single, two person, or family contract.
Virtual Visits
Online medical care is available through Blue Cross. These are covered at 100% if medically necessary. To access virtual care, download the BCBSM online visits app (available on the Google Play Store for Android or the Apple App Store for IOS), visit bcbsmonlinevisits.com, or call 1-800-606-1608.
Dental
Your dental coverage is provided through Delta Dental! Plan detail and contributions can be found below, as well as resources to learn more about dental insurance and how to find a dentist.
Vision
Your vision coverage is provided through VBA! Plan detail and contributions can be found below, as well as resources to learn more about vision insurance and how to find a provider.
Life and Disability Insurance
Core life is paid for by Suburban Sports through MetLife. All employees have a $15,000 benefit. This is zero cost to you, but a major benefit in the case of a tragedy. An age reduction is applied at ages 65 and 70. Make sure to select a beneficiary on Bswift.
Voluntary life is also available for employees, spouses and children. Based on your age, you can elect this coverage in various increments and will pay out of your paycheck based on your age and the amount elected. More information is available in the "Benefit Summary Information" portion of this page.
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). Late entrants (you did not elect at hire date) any amount elected over the GI, will require EOI. If you elect optional life coverage, and are required to complete an EOI, it is your responsibility to complete the EOI and send to the provider (address will be listed on your form). In addition, your spouse will need to provide EOI to be eligible for coverage amounts over GI, or if coverage is requested at a later date.
Long term disability is also paid for by Suburban Sports through MetLife. In the event of an accident making you unable to work, this plan will pay 60% to $3,000 a month based on your earnings. LTD begins after a 90-day elimination period.
Short term disability is available on a voluntary basis through MetLife. Short term disability offers coverage of 60% to $1,000 a week based on your earnings. This benefit begins on the 8th day of an accident or illness.
Additional Benefits
Legal Shield offers a plethora of services related to regular legal matters. Under the umbrella of Legal coverage this includes will preparation, IRS audit assistance and legal consultation on personal issues. With the ID Shield offerings, you can access services that will be prompted if suspicious activity is detected under your name and personal information to protect you from identity threats.
Flexible Spending Account
Flexible Spending Accounts (FSA) allow you to reduce your taxable income by setting aside pre-tax dollars from each paycheck to pay for eligible out-ofpocket health care and dependent care expenses* for yourself, your spouse and your dependent children.
In order to participate in the FSA, you must enroll each year. Your annual contribution stays in effect during the entire year January 1st through December 31st. The only time you can change your election is during the enrollment period or if you experience a change-in-status event. Also, you must elect this benefit when first benefit eligible.
MEDICAL & LIMITED PURPOSE FSA
MAXIMUM ANNUAL CONTRIBUTION | $2,750
All eligible health care expenses – such as deductibles, medical and prescription copays, dental expenses, and vision expenses – can be reimbursed from your general purpose FSA account. With the Medical FSA or Limited Purpose FSA, you can spend up to the full amount of your annual election as soon as your account has been set up.
DEPENDENT CARE FSA
The Dependent Care FSA allows you to pay for eligible dependent care expenses with tax-free dollars so that you and your spouse can work or attend school FT. Unlike the Medical FSA, funds in a Dependent Care FSA are only available once they have been deposited into your account and you cannot use the funds ahead of time.
– You may set aside up to $5,000 annually in pre-tax dollars, or $2,500 if you are married and file taxes separately from your spouse.
– If you participate in a Dependent Care FSA, you cannot apply the same expenses for a dependent care tax credit when you file your income taxes.
ELIGIBLE DEPENDENT CARE EXPENSES* INCLUDE:
1.‘Care’ for your dependent child who is under the age of 13 that you can claim as a dependent on your federal tax return;
2.‘Care’ for your dependent child who resides with you and who is physically or mentally incapable of caring for themselves; or
3.‘Care’ for your spouse, parent or grandparent who is physically or mentally incapable of caring for themselves and spends at least eight hours a day in your home.
Medical FSA Rules
Medical FSA’s have a $550 roll over feature, which allows any amount of $550 or less remaining in your account at the end of the plan year to roll over into the new plan year.
Care is defined as:
- In-home babysitting services (not by an individual you claim as a dependent)
- Care of a preschool child by a licensed nursey or daycare provider
- Before and after school care
- Summer day camp
- In-home dependent daycare
Below you will find a link to the FSA store to search eligible products and videos with more details on how to use and optimize your FSA!
Benefit Summary Information
Below you will find detailed resources related to your benefits:
How To Enroll
New hires have the opportunity to complete open enrollment upon completion of appropriate waiting periods!
At the time of a life event, you can add/drop coverage and/or dependents, switch medical plans or update any personal information.
Directions to enroll:
- Go to suburbansportsconnection.com
- Enter your user ID: First initial + last name + SSS
- Enter your password: Last 4 of your SSN
- Follow the prompts and enroll in benefits!
- Review all elections and changes and be sure to save!!
Contact Information
With questions regarding your enrollment processes or benefit offerings, please contact Jennifer Johnson.
Email: jjohnson@suburbanice.com
Office phone: 248-479-1131