Table of Content
- Header
-
Page
- Welcome
- Enrollment
- Medical Benefits
- Anthem Benefits
- HSA
- Dental Benefits
- Vision Benefits
- Group Life
- Voluntary Life
- Short Term Disability
- Long Term Disability
- Voluntary Critical Illness
- Voluntary Accident
- 401k Info
- 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.
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.
Enrollment
Want to enroll in benefits? Click on the button below!
Medical Benefits
Click on the icon below to login to Anthem!
Anthem Benefits
The SydneySM Health app is a free Anthem Blue Cross Blue Shield app that gives you fast and convenient access to your health insurance information right on your phone. It’s like having a personal health assistant in the palm of your hand.
Click on the link below to download the app today!
HSA
UNDERSTANDING YOUR HSA
–Pre-tax contributions are deducted through payroll and deposited into your HSA account;
–You can use your HSA available funds to pay for qualified medical expenses tax-free;
–HSA funds can be used for non-eligible expenses but will be subject to regular income taxes and a 20% excise tax penalty.
–Unused funds remain in your account for future use and roll over each calendar year;
–HSAs remain with you even if you change health plans or companies. If you open an HSA and later become ineligible to make contributions, you can still use your remaining funds;
–You can change your HSA contribution at any time during the plan year for any reason.
HSA 2023 Contributions Limits
Employee: $3,850
Family: $ 7,750
Catch Up
55 or Older : $1,000
*Please Note* Employees MUST send account and routing number with the amount they want to deposit each pay to Lindsay Longsworth at lindsayl@wastedynamics.com
Please follow these instructions to proceed:
· Please visit https://www.key.com/keywork/budgetdumpster
· Scroll down to HSA
· Click "open now" and type in your zip code
· Confirm if you are an existing client of Key
· Please have your license or state ID available
· Key will verify your identity by asking security questions. As long as the employee passes the questions, the application will proceed - if not, the employee will be prompted to go into a branch
· The following code keeps the account free 254516
· At the end of the application, an account, and routing number will populate. Make sure to email this information to Lindsay Longsworth.
· Employees must go to key.com and enroll in online banking. Elect paperless statements to avoid a $3.00 fee
Dental Benefits
Single: $50
Family: $150
CLASS I: Preventive Services
100%
Routine oral exams and cleanings, x-rays (bitewing & full mouth), fluoride treatments and space maintainers, sealants
CLASS II: Basic Services
50%
Periodontics (surgical & non-surgical), endodontics (root canals), oral surgery, fillings, prosthetic maintenance & sealants
CLASS III: Major Services
30%
Prosthodontics, crowns, on lays, dentures, bridges
Max per covered person
$1,500 per calendar year
Vision Benefits
DID YOU KNOW?
- Eye exams can help detect serious eye and general health conditions sooner: high blood pressure, diabetes, heart disease, high cholesterol
- Babies should receive their first professional eye exam at 6 months
- 80% of learning in the first 12 years comes through the eyes
Group Life
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.
- Please note you are auto enrolled once you become eligible in this plan
Coverage Amount
$20,000
Accidental Death and Dismemberment (AD&D)
$20,000
Voluntary Life
Employees have the opportunity to enroll in supplemental Life insurance. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage. Coverage is also available for your spouse and/or child dependents. It is typically required that you elect coverage for yourself in order to be eligible for coverage on your dependents.
Employee Coverage
Choose in $10,000 increments up to the lesser of 5x your annual salary or $200,000
Spouse Coverage
Choose in $5,000 increments up to the lesser of 100% of the amount you elect for yourself or $100,000
Dependent Coverage
Choose in $2,000 increments up to $10,000
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.
- Please note you are auto enrolled once you become eligible in this plan
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.
- Please note you are auto enrolled once you become eligible in this plan
Voluntary Critical Illness
Critical Illness Insurance
How would you pay your bills if you were suddenly diagnosed with cancer and couldn’t work? Critical illness insurance doesn't pay your medical bills. It pays you if you’re diagnosed with a covered illness. The benefit is paid directly to you and is your choice how to spend it.
What is the Cost of Critical Illness Insurance?
Depending on your age, and how much coverage you want, the cost of critical illness insurance can vary significantly
Voluntary Accident
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
401k Info
Hello,
Congratulations and welcome to Waste Dynamics! You are eligible to enroll in the Waste Dynamics retirement plan through Empower Retirement. It's never too early (or too late) to start saving for your retirement.
*Please note that you will be able to sign up for the 401k program following your first payroll cycle*
The company match is 100% of the first 3% that you contribute and 50% of the next 2% that you contribute. The matching funds are deposited every other week along with their withholdings taken from their paycheck.
Participating in your company's retirement plan can provide you with key benefits, including, convenient payroll deductions, potential tax savings, and more.
To register for the new 401k portal, please follow this link: https://participant.empower-retirement.com/participant/#/register/
The address that you will need for the 'Numeric Portion of Street Address' is the address on file for Hancock which is likely the address you had when you first started at Waste Dynamics.
Attached below you will find the tools and information to get your online account started. If you have any questions at all regarding this system, please reach out to Scott Fell at sfell@budgetdumpster.com
Contact Us
Traci Swain
Account Executive
traci.swain@nfp.com
216-816-0029
Kelli Krise
Benefit Coordinator
kelli.krise@nfp.com
216-264-2715