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Welcome to your Employee Benefits Guide.
Use the SITE MENU (located in the upper right corner of this guide) to navigate to important topics and detailed information that is important to consider as you enroll in or engage with your benefits.
Have benefits questions outside of your enrollment appointment? Call an Advocate.
Ready to enroll? Click SCHEDULE YOUR APPOINTMENT to choose the date and time that is convenient for you.
Your Employee Benefits Guide
ELIGIBILITY
KEY DATES AND TIMING
When Can You Enroll Coverage for new hires begins the first of the month following date of hire or date of full-time eligibility. After that, Open Enrollment is the one time each year that employees can make changes to their benefit elections without a qualifying life event. Notify Human Resources within 30 days if you have a qualifying life event and need to add or drop dependents outside of Open Enrollment. Life events include (but are not limited to): • Birth or adoption of a baby or child • Loss of other healthcare coverage • Eligibility for new healthcare coverage • Marriage or divorce
QUALIFYING LIFE EVENT
DESCRIPTION
• Change in coverage for you or your dependent • Qualified medical support order • Loss of coverage and/or eligibility under Medicare • Medicaid or a Children’s Health Insurance Program
You cannot change your benefit elections during the plan year unless you have a life status change event in your immediate family. Life status change events include: • Marriage, divorce or legal separation • Birth, death or adoption of a dependent • Dependent reaching age limit • Change in employment status of you or your spouse If you have a life status change event, you must report the change to Highgate Benefits Department within 30 days of the event if you want to change coverage. Changes will be effective on the day of the event. If you do not make your changes during the 30-day change-in-status period, your changes cannot be made until the next Open Enrollment period.
ELIGIBLE CHANGES BY EVENT
Qualifying Event
Eligible Plans
1. Submit your request for changes (with required documentation) within 30 days from the date of the event. 2. Gather necessary information such as names, Social Security numbers, dates of birth, and required documents. 3. Call 855-687-2163 to submit your request to a DirectPath QLE Benefits Educator. 4. During your call, the DirectPath QLE Benefits Educator will discuss required documents and deadlines with you. 5. Following your call, you will receive an email with instructions for securely sharing your required documents. 6. The DirectPath QLE Benefits Educator will work with you to verify the information you have provided is complete and approved. Once requirements are met, you will receive an email confirming election changes and details on how to access your confirmation statement.
If you leave a voicemail or request a callback, watch for a return call from area code 205.
PROCESS
REQUIRED DOCUMENTATION
Type of Documentation Needed
WHen Can You Enroll
How TO ENROLL
ENROLLMENT
Follow These Steps To Enroll In Benefits:
View Your Benefits Guide
Self-Enroll In Benefits
Click here to schedule an Appointment with a Benefits Educator or call (877) 900-5687 8am - 9pm EST.
Click here for instructions on how to enroll
Click here for instructions on how to view your statement
Review Your Benefits Confirmation Statement
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Employees In general, individuals working 30 or more hours per week are eligible for the benefits outlined in this overview. Local 1199 employees do not qualify for Medical, Dental, and Vision coverage. Part-Time employees working less than 30 hours may only elect Coverage under AFLAC. Eligible dependents • Your spouse (the person who you are legally married to under state law, including a same-sex spouse.) • Your children (including your Domestic Partner): o Under age 26 are eligible to enroll in medical coverage. They do not have to live with you or be enrolled in school. They can be married and/or living and working on their own. o Over age 26 ONLY if they are incapacitated due to a disability and primarily dependent on you for support. o Named in a Qualified Medical Child Support Order (QMCSO) as defined by federal law. Please refer to the Summary Plan Description for complete details on how benefits eligibility is determined. Who is not eligible Family members who are not eligible for coverage include (but are not limited to): • Parents, grandparents, and siblings. • Any individual who is covered as an employee of Services for the Underserved cannot also be covered as a dependent. • Employees who work fewer than 30 hours per week, temporary employees, contract employees, or employees residing outside the United States.
Who Is Eligible
HOME
We offer two medical plans, an EPO and PPO plan. Preventive care is fully covered under all plans if obtained in-network. Your costs for other services will depend on which plan you choose. Review the network provider information and out-of- pocket costs such as deductible, coinsurance and prescription drugs so you can choose the best fit for your health concerns and budget/understand how the plan works. Medical coverage provides you with benefits that help keep you healthy, like preventive care screenings and access to urgent care. It also provides important financial protection if you have a serious medical condition. Benefit Summary
Prescription drug coverage provides a benefit that is important to your overall health, whether you need a prescription for a short-term health issue like bronchitis or an ongoing condition like high blood pressure. Here are the prescription drug benefits that are included with our medical plans. Benefit Summary
Preventive Care SCreenings
KNow Where to GO
HRA
Prescription
Overview
Medical Coverage Through UHC
Prescription Drug
Understanding the formulary can save you money If your doctor prescribes medicine, especially for an ongoing condition, don’t forget to check your health plan’s drug formulary. It’s a powerful tool that can help you make informed decisions about your medication options and identify the lowest cost selection. What is a formulary? A drug formulary is a list of prescription drugs covered by your medical plan. Most prescription drug formularies separate the medications they cover into four or five drug categories, or “tiers”. These groupings range from least expensive to most expensive cost to you. “Preferred” drugs generally cost you less than “non-preferred” drugs. Get the most from your coverage To get the most out of your prescription drug coverage, note where your prescriptions fall within your plan’s drug formulary tiers and ask your doctor for advice. Generic drugs are usually the lowest cost option. Generics are required by the Food and Drug Administration (FDA) to perform the same as brand-name counterparts. To find out if a drug is on your plan’s formulary, visit the plan’s website or call the customer service number on your ID card.
Your “allowance” for healthcare expenses A Health Reimbursement Arrangement (HRA), is provided to you if you enroll in the UnitedHealthcare/Oxford EPO plan. The funds in the HRA belong to S:US and are offered to you for use in paying for the deductible and coinsurance. The below tables illustrate what you are responsible for followed by the S:US contribution. The plan uses tax-free funds provided by Services for the Underserved to help cover your deductible. Benefit Resource, Inc. administers this account with the Beniversal Card.
HEALTH REIMBURSEMENT ARRANGEMENT (HRA)
Where you get medical care can have a significant impact on the cost. Here’s a quick guide to help you know where to go, based on your condition, budget, and time.
Know Where To Go
Resource 1
Resource 2
Resource 3
Resource 4
You take your car in for maintenance. Why not do the same for yourself? Annual preventive checkups can help you and your doctor identify your baseline level of health and detect issues before they become serious. What is Preventive Care? The Affordable Care Act (ACA) requires health insurers to cover a set of preventive services at no cost to you, even if you haven’t met your yearly deductible. The preventive care services you’ll need to stay healthy vary by age, gender and medical history. Visit cdc.gov/prevention for recommended guidelines. Preventive care is covered in full only when obtained from an IN-NETWORK provider. Not all exams and tests are considered preventive Exams performed by specialists are not generally considered preventive and may not be covered at 100 percent. Additionally, certain screenings may be considered diagnostic, not preventive, based on your current medical condition. You may be responsible for paying all or a share of the cost for those services. If you have a question about whether a service will be covered as preventive care, contact your medical plan. TYPICAL SCREENINGS FOR ADULTS • Blood pressure • Cholesterol • Diabetes • Colorectal cancer • Depression • STIs
Preventive care screening benefits
Network Deductible • Individual • Family Coinsurance • Individual • Family Out of Pocket Maximum • Individual • Family Physician Services • Well adult and child care • Physician office visit (exams charge only) • X-rays or lab diagnostics Emergency Room • Emergency room services Prescription Drugs • Retail (Generic / Brand / Nonpreferred Brand) • Mail Order (Generic / Brand / Nonpreferred Brand) Prescription Out of Pocket Maximum • Individual • Family
No network – you can see any provider $ $ $ $ $ $
Feature
Coverage
$ $ $ $
Program
Description
Contact Description
Using the money Money in your account is used to pay out-of-pocket expenses that are applied to the deductible and coinsurance in the UnitedHealthcare EPO Plan. Available money will be automatically deducted from your HRA when the Explanation of Benefits (EOB) has been submitted by each member to Benefit Resource Inc. and has been approved. Once your responsibility threshold is met, Benefit Resource Inc., will reimburse you for all those expenses up to the total amount of your deductible. Make sure that you keep records (Explanation of Benefits) of your receipts. You will need them to verify that you spent the money on qualified expenses. Log in to your portal Click on Participants under Secure Login Enter the following information: www.BenefitResource.com • Company Code: susorg • Member ID: SSN or unique ID • Password: Default home zip code What about unused money? The funds S:US has placed into the HRA on your behalf belongs to S:US and will be returned to the company if unused. Portability Account funds can only be used while you are covered on the Benefit Resource Inc., Beniversal HRA. If you change plans or leave the company and don't elect COBRA continuation coverage, you will no longer have access to any accumulated funds.
Preventive care for women should include breast and gynecological exams
For men, preventive care should include prostate cancer screening and a testicular exam
Staying safe from the coronavirus doesn’t necessarily mean skipping preventive healthcare. Talk to your doctor about whether you need a checkup right away or can delay until there is a lower risk of being exposed to COVID-19. Depending on your medical needs, you may be treated with a combination of telehealth and in- person care. Consider scheduling a flu shot when they’re available to avoid a potential combined infection of COVID-19 and the flu. And, of course, seek medical care right away if you have symptoms that need immediate attention. Nearly every doctor's office has added new practices to ensure the safety of patients, providers and other employees.
Should I skip my checkup due to COVID-19?
Cost of Coverage
$75
Regular visits to your dentists can protect more than your smile; they can help protect your health. Recent studies have linked gum disease to damage elsewhere in the body and dentists are able to screen for oral symptoms of many other diseases including cancer, diabetes, and heart disease. Services for the Underserved provides you with a comprehensive coverage through UnitedHealthcare/Oxford. Summary of Benefits
Dental Coverage Through Uhc/oxford
Routine vision exams can not only correct vision, but also detect more serious health conditions. When you enroll in the EyeMed Vision Plan, you are provided with comprehensive vision coverage through EyeMed Vision Care. Summary of Benefits
VIsion Coverage Through EyeMed
Set aside healthcare dollars for the coming year A Flexible Spending Account lets you set aside pre-tax money through payroll deductions. The money can be used for eligible healthcare and dependent care expenses you and your family expect to have over the next year. The main benefit of using an FSA is that you reduce your taxable income, which means you have more money to spend. Reimbursements from your FSA accounts are also tax-free. You must re-enroll in this program each year. Benefit Resource, Inc. administers this program. Healthcare FSA Eligible expenses include medical, dental, and vision costs including plan deductibles, copays, coinsurance amounts, and other non-covered healthcare costs for you and your tax dependents. You may access your entire annual election from the first day of the plan year and you can set aside up to $3,050 per year. Dependent Care FSA Eligible expenses may include daycare centers, in-home childcare, and before or after school care for your dependent children under age 13. Other individuals may qualify if they are your tax dependent and are incapable of self-care. It is important to note that you can access money only after it is placed into your dependent care FSA account. All caregivers must have a tax ID or Social Security number. This information must be included on your federal tax return. If you use the dependent care reimbursement account, the IRS will not allow you to claim a dependent care credit for reimbursed expenses. Consult your tax advisor to determine whether you should enroll in this plan. You can set aside up to $5,000 per household for eligible dependent care expenses for the year. Please Note! Any unused healthcare and dependent dare FSA funds from 2022 will be rolled over into the next Plan Year.
Flexible Spending Accounts Through Benefit Resource, Inc.
IMPORTANT CONSIDERATIONS • There's no "crossover" spending allowed between the healthcare and dependentcare spending accounts. • Expenses must be incurred between 01/01/23 and 12/31/23 and submitted no later than 90 days after the Plan Year. • Elections cannot be changed during the plan year, unlessyou have a qualified change in family status (and the election change must be consistent with the event). • Any unused healthcare and dependent care FSA funds from 2022 will be rolled over into the next Plan Year. • FSA funds can be used for eligible expenses incurred by you,your spouse, and your tax dependents only. Your spouse ortax dependent children do not have to be covered on the Services for the Underserved health plan. • You cannot obtain reimbursement for eligible expenses fora domestic partner or their children, unless they qualify as your tax dependents (Important: questions about the tax status of your dependents should be addressed with your tax advisor). • Keep your receipts as proof that your expenses wereeligible for IRS purposes.
YOUR BENEFICIARY = WHO GETS PAID If the worst happens, your beneficiary— the person (or people) on record with the life insurance carrier— receives the benefit. Make sure that you name at least one beneficiary for your life insurance benefit, and change your beneficiary as needed if your situation changes. Is your family protected? Life, AD&D and disability insurance can fill several financial gaps for a family recovering from an illness, injury or worse. After a loss of income, many families have to reduce their standard of living after the loss of an income. Consider what your family would need to cover: • Medical bills and funeral expenses • Living expenses (housing, food, clothing, utilities) • Large expenses (rent or mortgage, education) • Taxes and debts that need to be settled. We provide a base amount of life and AD&D insurance. If you need additional coverage We offer voluntary coverage that you can purchase for yourself, your spouse, and your children.
Life and AD&D Through Reliance Standard
Basic Life Amount
1 x covered annual earnings up to a maximum of $500,000
VOLUNTARY LIFE AND AD&D Voluntary Life and AD&D Insurance allows you to purchase additional life insurance to protect your family's financial security. Coverage is provided by The Reliance Standard. To enroll a spouse/child, you must elect coverage for yourself
Basic AD&D Amount
VOLUNTARY AD&D Voluntary AD&D Insurance allows you to purchase additional accidental death and dismemberment insurance to protect your family's financial security in case you suffer from loss of a limb, speech, sight or hearing or if you die in an accident. Coverage is provided by Reliance Standard. Evidence of Insurability must be submitted for all amounts elected after initial enrollment period, 31 days after date of hire.
Employee Voluntary Life Amount
Increments of $10,000 up to lesser of 5 x covered annual earnings or $500,000
Spouse Voluntary Life Amount
Increments of $5,000 up to lesser of employee amount or $250,000, limited to 50% of employee amount
Increments of $2,000 up to lesser of employee amount or $10,000
Child(ren) VoluntaryLife Amount
Employee Voluntary AD&D Amount
Spouse Voluntary AD&D Amount
Child(ren) Voluntary AD&D Amount
With child: plan pays 40% of the employee coverage amount; Without child: plan pays 50% of the employee coverage amount
With spouse: plan pays 10% of the employee coverage amount; Without spouse: plan pays 15% of the employee coverage amount;
WHAT’S GUARANTEED ISSUE? If you select coverage above a certain limit (the "guaranteed issue") or after your initial eligibility, you will need to provide additional information about your health status in order to qualify for the requested amount of coverage. A NOTE ABOUT TAXES Company-provided life insurance coverage over $50,000 is considered a taxable benefit. The value of the benefit over $50,000 will be reported as taxable income on your annual W-2 form.
Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefit.
BASIC LIFE AND AD&D Basic Life Insurance pays your beneficiary a lump sum if you die. AD&D provides another layer of benefits to either you or your beneficiary if you suffer from loss of a limb, speech, sight, or hearing, or if you die in an accident. The cost of coverage is paid in full by Services for the Underserved (S:US). Coverage is provided by Reliance Standard.
Voluntary AD&D
Voluntary Life and AD&D
Basic Life and AD&D
Most people underestimate the likelihood of being disabled at some point in their life. Disability insurance replaces part of your pay while you are unable to work so you have income for living expenses
Disability Through NYS DBL/Reliance Standard
Weekly Benefit Amount
Plan pays 50% of covered monthly earnings
LONG-TERM DISABILITY (LTD) Voluntary Life and AD&D Insurance allows you to purchase additional life insurance to protect your family's financial security. Coverage is provided by The Reliance Standard. To enroll a spouse/child, you must elect coverage for yourself
Maximum Weekly Benefit
$170
NEW YORK STATE PAID FAMILY LEAVE New York Paid Family Leave Act is available to all NY State employees. Employees will be provided with paid time off so an employee can: • Bond with a newly born, adopted, or fostered child • Care for a family member with a serious health condition or • Assist loved ones when a family member is deployed abroad on active military duty Employees with a regular work schedule of 20 or more hours per week are eligible after 26 weeks of employment. Employees with a regular work schedule of less than 20 hours per week are eligible after 175 days worked. Benefits will phase in over the next four years. Employees who take Paid Family Leave will receive 67% of their average weekly wage (AWW), capped at 67% of the New York State Average Weekly Wage. Generally, your AWW is the average of your last eight weeks of pay prior to starting Paid Family Leave, including bonuses and commissions. The maximum weekly benefit for 2023 is $1,068.36.
Monthly Benefit Amount
Plan pays 60% of covered monthly earnings
Maximum Monthly Benefit
CEO, President, CFO: $15,000 All Others: $10,000
180 days of disability 180 days of disability
Benefits Begin After Accident Sickness
SHORT-TERM DISABILITY (STD) Short-Term Disability coverage pays you a certain percentage of your income if you can’t work because of a non-work-related injury, illness, or maternity leave. Benefits may be reduced by income from other income sources such as paid time off. Your doctor and insurance company will work together to determine how long benefits are payable, based on your condition. Coverage is provided by NYS DBL.
Benefits Begin After
7 days
Maximum Payment Period
26th week of disability
Maximum Payment Period*
To Age 65 Reducing Benefit Duration (RDB)
Employer Contribution & Funding Type
100% of Total Cost with Gross- Up, Contributory
S:US has teamed up with ACI Specialty Benefits (via Reliance Standard) to provide assistance when you need it most. The EAP offers you guidance with personal issues and concerns from balancing a career and life to obtaining legal guidance. THREE face-to-face counseling sessions per year The ACI Specialty Benefits program, through a dedicated team of counselors and service professionals, is able to help provide and support with issues such as: • Unlimited Grief Counseling • Emotional Well-being • Relationship Issues • Workplace Challenges • Legal and Financial Concerns • Health and Wellness • Community Resources • Manager Resources • Assist with resolving claims and billing issues Eligibility: All S:US employees, spouses, and all family members regardless of location. Help is available 24/7, 365 days a year by phone at (855) RSL-HELP. Other resources are available online at https://rsli.acieap.com.
Employee ASsistance Through ACI Specialty Benefits
Identity Theft is the fastest growing crime in the United States. To protect you and your family from this devastating loss of time, money and security, Reliance Standard and your employer have provided you with a full-service ID Recovery Program that will perform the recovery process for you should you or a member of your family fall victim to identity theft. Identity Theft Full Restoration Services and Real-time Card Monitoring ID THEFT RECOVERY SERVICES • Dedicated InfoArmor Privacy Advocates to act on your behalf • Investigation and confirmation of fraudulent activity including known, unknown, and potentially complicated sources of identity theft • Resolution of key issues by maintaining and explaining your rights • Providing restoration beyond just credit including criminal, DMV, medical WALLET ARMOR WalletArmor provides 24/7 Online Credential Monitoring on the Internet’s Underground economy. The team will work with businesses to identify and replace essential cards and documents, and we contact the authorities. WalletArmor stores and secures valuable information for easy retrieval. The WalletArmor® encrypted vault secures and monitors: • User IDs & Passwords • ATM Cards • Credit Cards • Checking Accounts • Driver’s Licenses • Health Insurance Cards • Vehicle Insurance Cards records, etc.
Identity Theft Through InfoArmor
Do you suspect your personal information has been compromised? Call toll free: 1.855.246.7347 Want to protect the contents of your wallet and important personal documents? Enroll in WalletArmor today www.reliantstandard.com/walletarmor
Through your group coverage with Reliance Standard, you automatically receive travel assistance services provided by On Call International (On Call), pursuant to an agreement between Reliance Standard and On Call. On Call is a 24-hour, toll-free service that provides a comprehensive range of information, referral, coordination and arrangement services designed to respond to most medical care situations and many other emergencies you may encounter when you travel. On Call also offers pre-trip assistance including passport/visa requirements, foreign currency and weather information. COVERED SERVICES When traveling more than 100 miles from home or in a foreign country, On Call offers you and your dependents the following services: Pre-Trip Assistance • Inoculation requirements information • Passport/visa requirements • Currency exchange rates • Consulate/embassy referral • Health hazard advisory • Weather information Emergency Medical Transportation • Emergency evacuation • Medical necessary repatriation • Visit by family member or friend • Return of traveling companion • Return of dependent children • Return of vehicle • Return of mortal remains HOW IT WORKS At any time before or during a trip, you may contact On Call for emergency assistance services. It is recommended that you keep a copy of this summary with your travel documents. Simply detach the wallet card below to ensure convenient access to the On Call phone numbers. To Reach On Call Via International Calling: Click Here for complete dialing instructions. It is recommended that you do this prior to departing the US, find the access code from the country you will be visiting, and note it on the cut-out card below so you will have the information readily available in case of an emergency. (AT&T provides English-speaking operators and the ability to place collect calls to On Call, whereas local providers may encounter difficulty placing collect calls to the US.)
Travel Assistance Through Reliance Standard
Emergency Personal Services • Urgent message relay • Interpretation/translation services • Emergency travel arrangements • Recovery of lost or stolen luggage/personal possessions • Legal assistance and/or bail bond Medical Services Include: • Medical referrals for local physicians/dentists • Medical case monitoring • Prescription assistance and eyeglasses replacement • Convalescence arrangements
You can’t predict the future, but you can plan for it. Group Voluntary Critical Illness Insurance can help give you the power to take control of your health when faced with a covered illness. This insurance pays benefits that can be used for non-medical expenses that health insurance might not cover. The cash benefit is in the form of a lump-sum payment, which is paid to the employee after a covered diagnosis. Initial Critical Illness Benefits • Heart Attack • Stroke • End Stage Renal Failure • Major Organ Transplant • Coronary Artery Disease • Waiver of Premium (employee only)
hospital indemnity
Critical illness
Accident
Voluntary Benefits Through Aflac
Critical Illness
Today, active lifestyles in and out of the home are the norm, and may result in bumps, bruises and sometimes breaks. Getting the right treatment can be vital to recovery, but it can also be expensive. And if an accident involves things like ER or urgent care visits, the financial worries can grow quickly. Most major medical insurance plans only pay a portion of the bills. Coverage from AFLAC can help pick up where other insurance leaves off and provide cash to help cover the expenses. Individual Accident insurance from AFLAC helps provide protection for accidental injuries, on- and off-the- job, 24-hours a day. The coverage pays cash benefits that correspond with hospital and intensive care confinement, and the cash benefits are paid directly to you. You also gain the financial empowerment to seek the treatment needed to get well. Benefits • Initial Hospitalization Confinement • Hospitalization Confinement • Intensive Care
accident plan
Cancer Critical Illness Benefit • Invasive Cancer • Carcinoma in Situ Second Event Benefit • Initial Critical Illness • Wellness Benefit
When an accident or illness results in an inpatient hospital stay, the costs can add up. If you or a covered family member have a covered inpatient hospital stay, this plan will pay you a lump-sum, tax-free benefit. Benefits can be used to help cover out-of-pocket medical costs like your plan deductible, copays, or related costs like transportation to and from the hospital, childcare, or lost income from work.
Hospital Indemnity
You’re unique―and so are your benefit needs Voluntary benefits are optional coverages that help you customize your benefits package to your individual needs. Services for the Underserved (S:US) offers plans to help: • provide income for survivors • replace income if you’re injured or ill • bridge the gap for special healthcare needs • secure your identity, and help you manage legal issues • save money on protection for your pets, home and auto. You pay the entire cost for these plans, but rates may be more affordable than individual coverage. And you get the added convenience of paying through payroll. Voluntary benefits are just that: voluntary. You have the freedom and flexibility to choose the benefits that make sense for you and your family. Or, you don’t have to sign up for voluntary benefits at all. The choice is yours.
SHort Term Disability (PayCheck Protect)
Universal Life events
Universal Life
Voluntary Benefits Through Trustmark
Whether you are married, a parent or single, Universal life helps take care of people important to you if tragedy happens. You can choose a benefit amount that provides the right protection to you. Universal Life can help pay for: • Funeral and burial costs • Rent or mortgage payments • Tuition and loans • Credit card bills • Medical expenses • Retirement savings Universal Life includes a convalescent care benefit that can help pay for long-term care services. You can collect 4% of your Universal Life benefit per month for up to 25 months to help pay for long-term care services.
Universal Life Insurance with Convalescent Care Benefits
Universal LifeEvents provides a higher death benefit during your working years. Universal LifeEvents includes a convalescent care benefit that can help pay for long- term care services. You can collect 4% of your Universal Life benefit per month for up to 25 months to help pay for long-term care services.
Universal LifeEvents Insurance with Convalescent Care Benefits
Paycheck Protect insurance pays benefits for total disability, meaning you are: • Unable to work in your regular occupation and not working for profit • Under a doctor’s care for injury or covered sickness causing your disability Paycheck protect helps to ensure your livability and lifestyle, ensuring that nothing gets in the way or keeps you down. With it, you can go about life knowing if something happens and you can’t do your regular job, Paycheck Protect will replace part of your paycheck. That cash can be used for whatever helps keep you going. Covered Conditions- Paycheck Protect insurance kicks in when you can’t work due to: • Sickness (off-the-job) • Injury (off-the-job) • Mental Illness • Treatment for substance abuse • Maternity (6-8 weeks of benefits after delivery 10 months after effective date) • Complications of pregnancy Benefit and elimination periods Your maximum benefit period is the length of time for which you are able to collect benefits. There may be a period after you become unable to work before your benefits begin, known as the elimination period.
Short Term Disability Plan (Paycheck Protect)
Transportation Savings Account—up to $560 per month tax-free Do you have out-of-pocket commuting expenses for public transportation or for worksite parking? If so, you can save on taxes by enrolling the Benefit Resource Inc., Transportation Savings Account (also known as a Section 132 plan.) A Transportation Savings Account lets you set aside money— before it's taxed—through payroll deductions. You may enroll and/or stop participating in this program at any time. Monies in this account can be used in future months or plan years. If you leave Services for the Underserved, any unused account balance will be lost. Benefit Resource, Inc. administers this program. These amounts are evaluated annually by the IRS and are subject to change. Please Note: Funds contributed cannot be refunded and only claims for eligible expenses can be made for as long as employee is actively employed by S:US. Remaining funds are forfeited at termination.
Commuter Benefits Through Benefit Resource, Inc.
Parking Expense Account
Up to $280 per month
Transportation Expense Account
Get help from Direct Path Are you getting married and not sure how and when to add your new spouse to your plan? Is your stepchild eligible for your healthcare plan? Do you need help understanding the difference between an HSA and an FSA? A Benefit Advocate can help answer these questions and more. Direct Path Counselors are trained benefits expert who can help you understand and use your healthcare and other coverage. Contact your Benefit Advocate for issues such as: • General benefit questions • Eligibility and coverage • Finding a network provider • Health care claim or billing issues, when warranted • Coverage changes due to life events (marriage, new child, divorce, etc.) Claims assistance If you need claims assistance, you’ll need to complete a HIPAA Authorization Form to grant your Benefit Advocate permission to work with your insurer and/or healthcare provider(s) to resolve your claims issues. Permission is granted on a limited time basis to only the individuals listed on the form. The form is revocable at any time. Your Benefit Advocate will provide the form to you when needed.
Benefit Advocates with DirectPath
Have Questions About Your Benefits? Phone: 877-900-5687 Hours: Monday-Friday: 8am-9pm EST
Plan CONTACTS
DOCUMENTS AND RESOURCES
Click the links below to view videos!
Forms:
2022 Benefits Summary PTO Information Who to Call Set Up your BRI (HRA) Account Paid Family Leave 403b Plan Enrollment Book Termination of Benefits
Dependent Eligibility/ Spousal Proof
Dependent Eligibility/ Spousal Proof (2)
Evidence of Insurability (EOI)
Find a Medical Provider Find a Teledo Medical Providers Trustmark LTC Trustmark UL w/Long-Term Care Trustmark UL w/Covalescent Care Trustmark Voluntary STD
Aflac Claims Aflac Critical Illness Aflac Accident Aflac Hospital EAP Self-Help EAP Benefit Summary Who to Call: Benefits Find A Doctor
Commuter Benefits/Enrollment Change Form
How to Set Up Your Work Station
voluntary products:
Main products:
WELLNESS INformation:
Report a Workplace Injury
Wellness FAQs
Wellness Poster
Wellness Flyer
Life Insurance
Short Term Disability Insurance
Hospital Indemnity Insurance
Accident Insurance
Critical Illness Insurance
Dental HMO Plan Dental PPO Plan Dental DHMO Fee Schedule Dental DPPO Benefit Summary Liberty Access High Plan Liberty PPO Low Plan
General Benefits
2022 Benefits Guide
Medical
Summaries of Benefits Coverage
Find a Medical Provider
TeleDoc
Health Reimbursement Account (HRA)
Real Appeal
Addition/Termination/Change Form
Dental
Dental HMO Plan Summary
Dental HMO Fee Schedule
Vision
Summaries
Find a Vision Provider
EyeMed Vision Video
Voluntary Benefits - Aflac
Filing a Claim
Accident Summary
Critical Illness Summary
Hospital Indemnity Summary
Voluntary Benefits - Trustmark
Long-Term Care Summary
Universal Life/LTC Summary
Universal Life/Convalescent Care Summary
Short-Term Disability (Paycheck Protect) Summary
Employee Assistance Program (EAP)
EAP Summary
Accessing EAP Benefits
Training Center
Retirement (403(b))
Enrollment Booklet
403(b) Summary
Education Center
First Reliant Standard
Evidence of Insurability Form
Benefit Resource Inc.
How to Set Up BRI Account
HRA Summary
Medical FSA Summary
Dependent Care FSA Summary
Commuter Benefits Summary and Form
PreventionCloud
Login Information
Proof of Physical Information
Workers' Compensation
Workers' Compensation Manager Photo Email
Accident Report
AmTrust Summary
Leave of Absence/PTO
Leave of Absence Admin Photo Email
Reporting a Leave Case Instructions
Plum Benefits/Working Advantage
Enrollment
Flier
Municipal Credit Union
Contact Information
Dental PPO Plan Summary
Dental PPO Fee Schedule
Find a Dental Provider
Find a Doctor with an Advocate
UnderArmour Discount
Dependent/Spouse Verification
PTO Summary