Wolverine Human Services

Table of Content

  1. Header
  2. Page
    1. Welcome
    2. Eligibility
    3. Enrollment
    4. Medical/Rx
    5. Medical/Rx Videos
    6. Online Visits
    7. Dental
    8. Vision
    9. Employee Contributions
    10. HSA (Health Savings Account)
    11. FSA (Flexible Spending Accounts)
    12. Life & Disability
    13. Voluntary Benefits
    14. VB Videos
    15. Employee Assistance Program (EAP)
    16. Benefits Education
    17. Contact Us
  3. Footer

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 on the 91st day of full-time employment. Part-Time, seasonal, temporary, internship, and contracted employees are not eligible to participate. 


Children are eligible for benefits until the last day of the calendar year in which they turn 26.

hdhp w/ hsa

hdhp w/ hsa

er vs uc

er vs uc

Employee Contributions

Bi-Weekly Deduction Amounts Shown Below

Pre-Tax Contributions


You share in the cost of your Medical, Dental and Vision Benefits. Your employee contributions for these benefits are taken out of your pay on a pre-tax basis as set forth below. In addition, if you elect to contribute to a flexible spending account, those contributions will be taken out of your pay on a pre-tax basis based on your election. Contributions to flexible spending accounts and health savings accounts are also taken on a pre-tax basis.


After-Tax Contributions


If you choose to purchase the following additional benefits, your contribution will be taken out of your pay on an after-tax basis:


  • Voluntary Life Insurance (for yourself or your dependents)
  • Voluntary AD&D Insurance
  • Voluntary Short Term Disability benefits



*Years of service credit starting at 5 years of service, credit increases every 5 years of service

Voluntary Benefits

The following Voluntary Benefits offered by LFG can complement existing medical coverage and help fill financial gaps caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical services. Benefits are paid regardless of what is covered by medical insurance. Payments are made directly to you, to spend as you choose. All plans are portable, which means you can continue coverage if you leave the company.


Accident Insurance

Accident Insurance is designed to help covered individuals meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Lump sum benefits are paid directly to you based on the amount of coverage listed in the schedule of benefits. The coverage is guaranteed issue, so no health questions are required.


Critical Illness

Critical Illness Insurance is designed to help you offset the financial effects of a catastrophic illness with a lump sum benefit if you are diagnosed with a covered critical illness. The benefit is based on the amount of coverage in effect on the date of diagnosis or the date treatment is received according to the terms and provisions of the policy. You have the choice of electing coverage of $10,000, $15,000 or $20,000. Your spouse and child(ren) will each be offered 50% of your benefit amount.


Hospital Indemnity

Hospital Indemnity insurance is designed to help provide financial protection by paying a benefit due to a hospitalization. You may use the benefit to meet the out-of-pocket expenses and extra bills that occur. 

Accident Benefit Summary

Accident Benefit Summary

Critical Illness Benefit Summary

Critical Illness Benefit Summary

Hospital Indemnity Benefit Summary

Hospital Indemnity Benefit Summary

Accident Overview

Accident Overview

Critical Illness Overview

Critical Illness Overview

Hospital Indemnity Overview

Hospital Indemnity Overview

Employee Assistance Program (EAP)

The following Lincoln Financial Group resources are provided to you at no cost!


EmployeeConnect offers professional, confidential services to help you and your loved ones improve your quality of life. When you call the toll-free line, you’ll talk to an experienced professional who will provide counseling, work-life advice and referrals. All counselors hold master’s degrees, with broad-based clinical skills and at least three years of experience in counseling on a variety of issues. For face-to-face sessions, you’ll meet with a credentialed, state-licensed counselor.


Login credentials:

Username: LFGSupport

Password: LFGSupport1

Download the GuidanceNowSM mobile app or call 888-628.4824.

Protection against identity theft

Identity theft is widespread, and everyone is vulnerable. LifeKeys includes an online resource for the information you need to recognize and prevent identity theft — and restore your good name.


Guidance and support for your beneficiaries

LifeKeys is a comprehensive program that offers resources to help your loved ones address a range of common concerns. Services include grief counseling, advice on financial and legal matters, and help coping with the occasional challenges of day-to-day life.


TravelConnect is a comprehensive program that can bring help, comfort, and reassurance if you face a medical emergency while traveling 100 or more miles from home. Whether traveling for business or leisure, if you are enrolled in life and/or AD&D insurance, you and your loved ones can count on TravelConnect for responsive and caring support — 24 hours a day, 7 days a week.