This is your opportunity to learn about the Zeal Credit Union benefit plan offerings. Please review your 2022 Benefit Guide to see what plans are available with Zeal Credit Union. Once your enrollment window has closed, you will not have the opportunity to make changes to your elections until open enrollment, unless you have a Qualifying Life Event.
Once you have reviewed your benefit information and are ready to submit your elections, please visit www.ZealConnection.com. Your elections must be submitted within 14 days of employment and benefits will begin the first of the month following 60 days of employment.
Zeal Credit Union offers a $50 health incentive for waiving medical. Please submit proof of other insurance to human resources as soon as possible.
Action Required:
All Elections must be submitted with 14 days of employment
ENROLLMENT INSTRUCTIONS:
1. Go to www.ZealConnection.com
2. Enter your User ID: First Initial + Last Name (ex.: John Smith = JSmith)
3. Enter your Password: Last 4 of your SSN
4. Follow instructions and enroll in your benefits
5. Make sure to save your elections and print your confirmation statement.
The Benefit choices you make during your 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.
Contact Human Resources if you have questions about qualifying events.
BCBSM/BCN Medical/Rx (Group # 007006119(BCBSM) 00130203(BCN) | 877.722.6030 (BCBSM) 800.662.6667 (BCN) | www.bcbsm.com
BCBSM/BCN will administer your medical and prescription drug benefits this year. The plans that will be offered effective January 1, 2022 are as follows:
To view participating providers, please visit the BCBSM website below.
Health Equity HSA | 866.346.5800 | www.healthequity.com
The Health Savings Account (HSA) allow you to set aside pre-tax dollars to pay for eligible expenses. By contributing to a HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
To be eligible to contribute towards an HSA tax-free, you must meet the requirements below:
HSA IRS Maximums
$3,650 for a single contract
$7,300 for a two person or family
Employer HSA Contribution
$300 for a single contract
$600/$1,200 for a two person/family
Contribution Maximum (after employer contribution)
$3,350 for a single contract
$6,700/$6,100 for a two person/family
Employer HSA Contribution $1,000 "Catch Up" contribution for those age 55+
BCBSM Online (Group # 007006119(BCBSM) 00130203(BCN)| 844.606.1608 | www.bcbsmonlinevisits.com
Zeal Credit Union provides those employees who are covered by one of the BCBSM/BCN medical plans access to virtual visits with BCBSM Online Visits. BCBSM Online Visits provide members the opportunity to receive medical and mental health care from the comfort of your own home. With BCBSM Online Visits, eligible employees and dependents have access to board certified doctors, psychiatrists and licensed therapists 24 hours a day, 7 days a week, 365 days per year.
How Much Does it Cost?
To get access to these convenient services, visit www.bcbsmonlinevisits.com - OR - you may call 844.606.1608.
Delta Dental (Group # 1905) | 800.524.0149 | www.deltadentalmi.com
Zeal Credit Union provides comprehensive coverage to help you and your family maintain good dental health. For 2022, the dental carrier will be Delta Dental. The PPO plan will be offered for 2022. Staying in-network will give you the most cost savings. Zeal Credit Union pays 100% of the monthly premium for employees and their qualified dependents.
To find out if your provider is in-network, please visit the website below.
NVA Vision (Group #52052) | 800.672.7723 | www.e-nva.com
DID YOU KNOW?
Zeal Credit Union offers vision coverage through National Vision Administrators (NVA) to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in network, however, out-of-network coverage is provided but may only be handled as reimbursements in some situations. Review your coverage details in your Benefit Guide. Zeal Credit Union pays 100% of the monthly premium for employees and their qualified dependents.
To find out if your provider is in-network, please visit the website below.
MetLife | 800.638.5433 | www.metlife.com
Zeal Credit Union provides you with financial protection options for life, accidental death & dismemberment, short term disability and long term disability with MetLife.
Life/AD&D
A sudden accident or death can leave you or your loved ones in a vulnerable position. Employees have the opportunity to enroll in Term Life and Accidental Death & Dismemberment insurance which will supplement lost income in the event of an accident or death. If you choose to enroll in employee coverage, this will be in addition to your employer provided Basic Life coverage.
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.
Short Term Disability
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.
Long Term Disability
Serious illnesses or accidents 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 consult your Employee Benefits Guide and review the benefit summaries for additional details.
Employee Benefits Corporation | 800.346.2126 | www.ebcflex.com
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.
New for 2022 - those who elect the Dependent Care FSA will now receive a debit card.
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
Dependent Care FSA
Paid Time Off: An employee annual allotment of PTO shall be determined by the length of service as of December 31st of the year prior to the year in which PTO is to be taken. New hire PTO amounts will be discussed at point of offer. Additionally, four hours of PTO are accrued each full month worked. Up to 40 hours of PTO not used in a calendar year may be rolled over or cashed out (must have 2 years seniority) at Credit Union discretion and with management approval.
Holidays:
Employees are eligible for the following benefits after completion of 6 full months of employment:
Employees are offered a 401(k) plan through MCUE and CUNA Mutual. The Credit Union contributes 5% of their bi-weekly earnings into their 401(k) plan. In addition, employees are offered ability to make contributions into their 401(k). The Credit Union offers a dollar for dollar match on the first 3% of employee contributions. The 6-month waiting period will be waived for employees who were previous participants in the MCUE/CUNA Mutual retirement accounts.
BCBSM/BCN Medical/Rx (Group # 007006119(BCBSM) 00130203(BCN) | 877.722.6030 (BCBSM) 800.662.6667 (BCN) | www.bcbsm.com
Delta Dental (Group # 1905) | 800.524.0149 | www.deltadentalmi.com
NVA Vision (Group #8305) | 800.672.7723 | www.e-nva.com
MetLife | 800.638.5433 | www.metlife.com
Employee Benefits Corporation | 800.346.2126 | www.ebcflex.com
Health Equity HSA | 866.346.5800 | www.healthequity.com
Ulliance | 800.448.8326 | www.LifeAdvisorEAP.com
As you consider your benefit options, please be sure to review all available information.
If you have any questions or need further assistance, please contact:
Niki Rodriguez
734.522.3700 x6900
