2019 BENEFITS ENROLLMENT GUID E A COMPREHENSIVE REVIEW Benefit Plan Year January 1, 2019 – December 31, 2019
Benefits that work for your life… Dear Heifer Colleagues, At Heifer International, we believe that employees are the foundation of our success. To support you during the moments that matter most, we offer a wide range of benefits, programs and resources that are competitive, diverse and flexible to meet your individual needs. It’s one of the most important things we do as an organization, and part of our commitment to making Heifer a great place to work. This enrollment guide is designed to help you understand the comprehensive medical, prescription, dental and vision coverage that is made available to you and your family. You’ll also learn about the available life and disability insurance options, including wh at’s provided automatically by Heifer. NOTE: Please refer to the U.S. Employee Handbook for further information concerning benefit eligibility in addition to referring to your plan documents/booklets for detailed information on Heifer’s benefits. You’ll see that wellness is a key component of our medical plans, as we’re committed to helping you learn more about your hea lth and save money in the long run. By completing the 350 point requirement by 11/30/1 9 in the Viverae (SimplyWell) wellness program, you can receive an annual savings of $600 on your medical premium discounts in addition to receiving access to personal health coaches and nurses to help you improve your health, manage chronic conditions and more. The Human Resources Department is available to assist you with any questions you may have. Please do not hesitate to contact us at 501- 907-6950 or send us an email. Additionally, you may contact your Compass HealthPro Consultant, Brent Aguilar, at 800-513-1667 x8170 or via email. This consultant is available free of charge and can assist you in selecting the right benefit plan for you. We also encourage you to visit the Human Resources Benefits Portal at http://www.explainmybenefits.com/heifer/ for additional information. Sincerely, Your Benefits Team 2
Benefits Eligibility and Dependent Information Eligible Employees Employees who are actively employed in a benefit-eligible position are eligible to be enrolled in Heifer-sponsored benefit plans. During the annual Open Enrollment period, coverage becomes effective the first of the new year (i.e. 01/01/19), provided the employee has successfully completed the necessary online enrollment. Eligible Dependents Employees who are enrolled in Heifer-sponsored benefits have the ability to extend coverage to eligible dependents. NOTE: Dependent coverage cannot be elected unless the employee is also covered under the plan being selected. Individuals who are considered to be eligible dependents of Heifer-sponsored benefits plans are: ➢ Spouses (unless legally separated or divorced) ➢ Domestic Partners (same-sex and opposite-sex) ➢ NOTE: Dependent coverage under this option will require employees to be taxed for the fair market value of the premiums paid by Heifer; additionally, completion of the “ Affidavit of Domestic Partnership ” will be required for each plan year. ➢ Dependent children ➢ A natural child ➢ A step-child ➢ A child legally adopted ➢ A child you have a Qualified Medical Child Support Order (QMSCO) for ➢ A child for whom you have legal guardianship over ➢ A physically or intellectually disabled child who is incapable of self-sustaining employment, regardless of age, provided they are covered prior to the maximum age otherwise applicable An adult dependent child of an employee is eligible for coverage through the end of the month in which he/she turns age 26. Eligibility is regardless of whether he/she qualifies as the employee’s tax dependent, is a full -time student or is married. NOTE: If the adult dependent child of the employee is married, ONLY the adult dependent child of the employee will be eligible for coverage. Information regarding continuation of benefits under COBRA will be distributed after benefit eligibility terminates. COBRA is administered through Consolidated Admin Services (CAS). 5
Qualifying Life Events (Mid-Year) Benefit Changes Adding and Removing Employee or Dependents Outside of the Open Enrollment period, employee and/or dependent coverage can only be altered if the employee experiences an IRS qualifying life event change. Changes must be made within 31 (thirty-one) days of the date of the life event change. After that time, the employee must wait until the next Open Enrollment period. The effective date of a coverage change, based on an IRS qualifying life event change, will be the date that the life event occurred (i.e. if a child is born on September 15 th , the effective date of coverage will be September 1 st for medical coverage). The following is a summarized list of IRS-defined life event changes: ➢ Employee’s legal marital status changes, due to marriage, divorce, legal separation, or the death of a spouse; ➢ A change in the number of dependents you cover, due to birth, legal adoption, a Qualified Medical Child Support Order (QMCSO), or death; ➢ Changes in employment status of the employee, such as moving from full-time to part-time employment; ➢ Changes in employment status of a spouse, which can include the ending of their employment, new or different working hours resulting in a change of their employer-sponsored benefits, a benefit change due to a strike, a benefit change for them due to a change in work hours, or if they begin an unpaid leave of absence resulting in a change of benefits; ➢ A dependent who becomes ineligible for the benefit plan due to age or by obtaining coverage via other means. Duty to Notify of Ineligibility The employee is responsible for making the appropriate updates in the Benefits Enrollment Portal (www.InfinityHR.com) for any changes that have an affect on benefits. An enrollee ceases to be a covered dependent of all employee benefit plans on the date the enrollee no longer meets the definition of a dependent, regardless of when notice is given to Heifer. More information can be reviewed concerning Qualifying Life Event changes by reviewing this document. 6
Let Compass Handle the Healthcare Stuff… As a benefit to you, Heifer has partnered with Compass to provide assistance in navigating the healthcare system. This service is simple to use and available to covered employees and their families. Heifer’s Health Pro Consultant - Brent Aguilar / 1-800-513-1667 x8170 / brent.aguilar@compassphs.com 7
Looking for expert medical support? eDocAmerica is a free benefit paid for by Heifer and provided to all Heifer employees and their dependents who are enrolled in the Medical plan. This benefit allows employees with the ability of consulting with a medical provider through the Internet with a Webcam or telephone. This benefit will allow you to save time and potentially hundreds of dollars by helping you avoid costly emergency room visits . The majority of minor ailments and non-life threatening medical issues can be treated through eDocAmerica online or by phone without the hassle of going to the doctor’s office. You can be treated while at home, the office, or traveling! Below is a small sample of medical conditions that eDocAmerica providers can evaluate: ➢ Abrasions, bruises ➢ Colds, flu, and fever ➢ Sore throat, cough, congestion ➢ Allergies, hives, skin infections ➢ Bites and stings ➢ Minor headaches, arthritic pains ➢ Diarrhea, vomiting, nausea ➢ Urinary tract infections ➢ Headaches, body aches To register your account, follow these simple steps: 1. Go to www.eDocAmerica.com 2. Click the “Sign - In” button and then click the “Register Now” button 3. Agree to the “Terms of Use” and choose “Heifer Project” on the company/organization drop down menu 4. Enter your last name and the last four digits of your social security number 5. Create your screen name and password 8 6. Fill out your medical profile (bold items are required) 7. Start asking questions
What’s happening in 2019… What’s new? • New Medical Carrier: Cigna Health • New Pet Insurance offerings… • PetAssure (veterinary discount plan) • PetPlus (prescription savings plan) • Employer sponsored wellness Health Reimbursement Account (HRA) What’s changing? • Optional Life Insurance option for Domestic Partners under Reliance Standard. What’s making your life easier? • Viverae Wellness Platform • Rebranded to SimplyWell (effective November 1, 2018) • Spouses will have the ability to participate in the program • Enhanced financial educational resources to include retirement educational assistance, student loan consolidation concierge services and the ability to apply for short-term loans through FinFit 9
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