CARVER COMPANIES April 2017 401k Days PRESENTING IN THE FOLLOWING - PowerPoint PPT Presentation

CARVER COMPANIES April 2017 – 401k Days

PRESENTING IN THE FOLLOWING VIDEO: • Greg Podgorski (along with colleague Justin) from AXA Advisors. Greg is your primary point of contact on your 401k plan. • Krista Grassia- AFLAC NY • Brittany LaFreniere- Cool Insuring. Deni Gardner and the folks at Cool are your brokers for Health Insurance, Dental, Vision, Group Life, Voluntary Life, and NYS Short-Term Disability

CLICK ON THE LINK BELOW TO VIEW THE VIDEO https://youtu.be/Kqysk3iROJo

YOUR 401K IN MOST CASES, YOU ARE ELIGIBLE TO SIGN UP 1 ST OF THE MONTH FOLLOWING 90 DAYS OF EMPLOYMENT YOU DO NOT HAVE TO WAIT – CALL GREG AT AXA TODAY TO MAKE AN APPOINTMENT OUR PLAN IS ADMINISTERED BY TRANSAMERICA. YOU WILL BE ASSIGNED A USER NAME AND PASSWORD FOR ACCESS 24/7 IF YOU HAVE FUNDS TO ROLLOVER, GREG CAN HELP YOU WITH THAT

To Contact Greg at AXA 518-373-7335 Gregory.Podgorski@axa-advisors.com 5 Maxwell Drive Suite 100 Clifton Park, NY 12065

Health Insurance- Dental, Vison- Voluntary - New Hires: You are eligible 1 st of the month following 60 days of employment. If you miss that date, you have to wait until Open Enrollment- September 1 st , unless you experience a qualifying event. If you aren’t sure, please contact HR right away! Please refer to the BLUE AND WHITE PACKET sent to you 30-60 days after hire. If you need any help completing forms, call HR or see your office manager on site. Existing Employees: If you need to make changes or enroll, please contact HR. In most cases you will have to wait until 9/01, however if you have experienced a qualifying event, we may be able to add you or make changes sooner. Please remember – although Guardian has IN and OUT of network coverage, there is a tremendous amount of money to be saved by using participating providers. Contact HR for assistance or visit the carrier’s website for a provider directory. These plans are brokered by Cool Insuring.

Group Life Insurance: Is provided to all full-time employees at no cost to you. Now is a great time to update your beneficiaries, or to make sure you have a beneficiary form on file. If you are a New Hire, there is a place to add beneficiaries on your Guardian enrollment form. There is also a separate form in your folder for your convienience. Contact HR for assistance. Voluntary Life Insurance is available from Guardian. It is virtually Guarantee Issue if you sign up on your eligibility date. If you wait, you can still enroll, however there will be additional forms required, including the Evidence of Insurability.

Prescriptions: Prescription coverage included in your Blue Shield plan is GENERIC ONLY for a $10 copay. If your doctor prescribes you a non-generic, and if no generic is available, please contact HR or Cool Insuring for assistance. In many cases there are coupons or programs available to help reduce the cost of name brand drugs. Please do not go without! Call Cool or HR for assistance.

ALLY HEALTH Ally is our Telemedicine benefit. This is a great way for your to save on copays, especially evenings and weekends when your doctor’s office may be closed. If you participate in one of our Blue Shield plans, you are enrolled. You must, however, go online or call to activate your account. Once activated, you can schedule an appointment (usually within a matter of minutes) to be “seen” by a board certified physician. This could help you avoid a costly visit to the ER, or provide you peace of mind. This benefit is provided to you by Carver Companies. There is no cost to you, and no copay to use the service! Contact HR if you need more information. www.allyhealth.net

Cool Insuring is your broker for Medical, Dental, Vision, Life, Ally, and Disability. They are employee advocates! If you receive a bill or get charged an amount that does not seem right, or if you just have general questions, give them a call. There are here to help! Likewise you can call HR for guidance or assistance with contacting Cool. Deni Gardner and her team are available to assist you at Cool.

AFLAC – Supplemental Insurance AFLAC is a great way to “insure your paycheck”. They have a variety of plans available to you, and they can work within any budget. To Learn More: Krista A. Grassia Regional Sales Coordinator | Aflac New York Tel: 518.689.3260 Ext. 102 | Fax: 518.689.3262 5 Pine West Plaza, Ste. 503| Albany, NY 12205 krista_grassia@us.aflac.com | aflacny.com

YOUR HUMAN RESOURCES DEPARTMENT Sybil Laraway, PHR, SHRM-CP Office: 518-355-6034 FAX: 518-356-7282 Email: slaraway@carvercompanies.com We are here to assist you in any way we can. When in doubt, please call! If you have an afterhours or weekend emergency – TEXT Sybil at 518-588-6231. This number is for after hours urgent matters only.