Table of Content
- Header
-
Page
- Welcome!
- Medical Benefits
- How to Enroll for Benefits
- Dental Benefits
- Vision Benefits
- Group Life Benefits
- Short Term Disability
- Long Term Disability
- Accident Benefits
- Contact Us
- Footer
Welcome!
EMPLOYEE ELIGIBILITY
You are eligible to participate if you are full-time and work a minimum of 30 hours per week. Your coverage will be effective 1st of the month following 60 days from your date of hire.
DEPENDENT ELIGIBILITY
You may also enroll eligible dependents for benefits coverage. A ‘dependent’ is defined as the legal spouse and/or ‘dependent child(ren)’ of the plan participant or the spouse.
Qualifying Life Events
If you have a Qualifying Life Event and want to request a mid-year change, you must notify Human Resources and complete your election changes within 30 days following the event. Be prepared to provide documentation to support the Qualifying Life Event.
Common life events include; Marriage, Divorce, New Dependent, Loss/gain of available coverage by you or any of your dependents.
Medical Benefits
Medical:
Medical Mutual is the administrator for the medical and drug benefits.
•PPO 1,500 Plan 80%/40% with $1,500/$3,000 deductible
•PPO $2,000 Plan 80%/50% with $2,000/$4,000 deductible
•PPO $3,500 Plan 80/%40% with $3,500/$7,000 deductible
•HSA $2,800 100%/40% with $2,800/5,600 deductible
•Clecare $3,500/7000 80%
Click the Button below to find out more!
How to Enroll for Benefits
Dental Benefits
PREVENTION FIRST!
Your dental health is an important part of your overall health. Make sure you take advantage of your preventive dental visits.
Preventive care services are covered at 100% if you visit an In-Network provider. They are also not subject to the annual deductible.
Single : $50
Family: $150
CLASS I: Preventive Services : Covered at 100%
Routine oral exams and cleanings, x-rays (bitewing), sealants & fluoride treatments, space maintainers.
CLASS II: Basic Services : Covered at 80%
Periodontics (surgical & non-surgical), endodontics (root canals), oral surgery, fillings, prosthetic maintenance & x-rays (full mouth)
CLASS III: Major Services: Covered at 50%
Crowns, inlays/ onlays,
dentures, implants & bridges
Vision Benefits
Vision Exam
$10 copay
Up to $50
COVERED SERVICES – LENSES / FRAMES
Single Lenses
$25 copay
Up to $48
Bifocals
$25 copay
Up to $67
Trifocals
$25 copay
Up to $86
Frames
$130 retail allowance,
plus 20% over the allowance
Up to $48
COVERED SERVICES
Contact Lenses
$130 retail allowance
Up to $105
Contact Lens Evaluation Fitting
15% off UCR
Included in Allowance
BENEFIT FREQUENCY
Exams
Once every 12 Months
Once every 12 Months
Lenses
Once every 12 Months
Once every 12 Months
Frames
Once every 24 Months
Once every 24 Months
Contacts
Once every 12 Months
(contacts in lieu of frames/lenses)
Once every 12 Months
C
Group Life Benefits
BASIC LIFE INSURANCE
Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. AD&D insurance is equal to your Life benefit in the event of your death being a result of an accident, and may also pay benefits for certain injuries sustained.
Coverage Amount
$20,000
Accidental Death and Dismemberment (AD&D)
Amount equal to your Life benefit
Benefit Reduction Schedule
Your insurance will reduce to:
–35% of the original amount at age 65
–50% of the original amount at age 70
For more info click on the button below!
Short Term Disability
SHORT-TERM DISABILITY (STD)
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
Click on the button below!
Long Term Disability
LONG-TERM DISABILITY (LTD)
Serious illnesses or accidents can come out of nowhere. They 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.
Click on the button below!
Accident Benefits
Accident Insurance
A serious injury can cost you a lot of money – not only in medical bills but in things like income from lost work hours. Some injuries are minor, but others are debilitating and require significant medical care. If you get hurt, accident insurance pays you money that you can use to cover personal expenses, bills, and out-of-pocket medical costs.
Who Gets Paid?
You get paid. When you have a covered accident or injury, your health insurance company pays your doctor or hospital, but your accident insurance company pays you.
What’s Covered?
Not all accidents are “qualifying injuries.” The kinds of accidents that are covered can vary by plan but accident insurance plans typically cover things like:
Emergency Room Visits
Ambulance Transportation
Emergency Helicopter Transportation
Hospital Admissions & Per Diem Charges
Intensive Care &Rehabilitation Unit Care
Diagnostic Exams
Follow-up Treatments
Physical Therapy
Click on the button below !
Contact Us
Account Team Contacts
Joel Richman
Producer / Sales Consultant
joel.richman@nfp.com
(216) 464-6200
Kevin Lurie
Producer / Sales Consultant
kevin.lurie@nfp.com
(216) 410-6751
Traci Swain
Account Manager
traci.swain@nfp.com
216.816.0029