Hybrid Disability Boot Camp Spring 2020
Presenters VACORP Stephanie Heintzleman, Member Services Director OneDigital Nancy Grasso, Regional Vice President Business Development Carrie Bartlett, Senior Client Executive Anthem Michael D’Achille – Director Specialty Sales, Virginia Alex Balasco – Specialty Sales Executive 2
What We’re Going to Discuss • Where to go for information? • Hybrid Disability Program Review • Managing the Plan • Claim Submission • Employer Portal • Long Term Disability • Common Questions • Employee Assistance and Resources • Leave Policies • Survey 3
Where to go for information? 4
VACORP.org/hybrid-disability 5
Continued Training & Additional Resources • Question of the Month ⎻ Each month, a popular question or important information is included on the monthly billing statement from VACORP. A repository of these questions is housed on the VACORP website and is updated quarterly. • Boot Camps - Spring and Fall - annually ⎻ Boot Camps provide basic training on the Hybrid Disability plan. Perfect for new hires involved with Hybrid Plan administration, for entities with little exposure to Hybrid claims, and for groups that haven’t attended a Regional Workshop or had a training session with the Anthem account specialist. • Personalized Training ⎻ The Anthem account specialist is available for personalized training, either by conference call or in person. This is a great alternative for an entity with a large HR staff, unable to attend a Boot Camp or Regional Workshop, or with turnover in key HR positions. Training sessions last one to two hours and may be customized to focus on the specific training needs of an employer. 6
Hybrid Disability Contacts Short-Term Disability Claims Manager Short-Term Disability Claims Team Lead Dottie Tieslau - Interim Ton Albritton Dorothy.Tieslau@anthem.com Tondelayo.Albritton@anthem.com O: 404-682-9267 O: 800-232-0113 ext. 102 135 5075 Groups A-C Groups D-N Nicole Timmons, STD Case Manager James Perryman, STD Case Manager Nicole.Timmons@anthem.com James.Perryman@anthem.com O: 800-232-0113 ext. 102 135 5090 O: 800-232-0113 ext. 102 135 6033 Groups O-R Groups S-Z Vanessa Hayes, STD Case Manager Paige Blakely, STD Case Manager Vanessa.Hayes@anthem.com Paige.Blakely@anthem.com O: 800-232-0113 ext. 102 135 6640 O: 800-232-0113 ext. 102 135 6761 OUT UNTIL FURTHER NOTICE Sian Ramsey – Specialty Account Manager vacorpservice@anthem.com 7
Communication with VACORP & OneDigital • VACORP Billing questions • billing-hybriddisability@riskprograms.com • 844-986-2705 • ask for Hybrid Disability • OneDigital – Leave Policy Questions • Carrie Bartlett – cbartlett@onedigital.com or 804-249-5152 • Nancy Grasso – ngrasso@onedigital.com or 804-762-7076 8
Billing and Remittance 9
Best Practices • Add email address: billing-hybriddisability@riskprograms.com to safe sender list • Create email alias for your organization to receive Hybrid information • If Zero VRS Hybrid Plan employees: • reply “no Hybrid Plan employees” • indicate entity name • Update contact info as staff changes • resignations • extended leave • new staff • email address changes • Share Question of the Month with others 10
When Mailing Payment • Checks in ONE envelope • Please do not combine with payments for other VACORP coverages • Do not staple checks • Include ONE completed invoice • Adjustments • Include VRS Hybrid Plan Info • Snapshot (screenshot) • ONLY show Hybrid Plan creditable compensation and number of lives • Do not send personally identifiable information 11
When paying by ACH • Email VACORP • accounting@riskprograms.com AND • billing-hybriddisability@riskprograms.com • Include ONE completed invoice • Adjustments • Include VRS Hybrid Plan Info • Snapshot (screenshot) • ONLY show Hybrid Plan creditable compensation and number of lives • Payment amount • Please do not combine with payments for other VACORP coverages • Date payment will be received • Do not send personally identifiable information 12
Hybrid Disability Program Review 13
Claims Update 634 49% 2 Days – STD Claims Submitted in of claims are submitted 2019 before absence Average claim decision time 44 of claims reported by phone 56% 35% Average days out for STD of claims reported online Claims 40% 82% 2024 of claims submitted tapped of approved claims were *Not all entities or employees are 5 year rate guarantee covered by Anthem medical. This into medical information* referred to medical percentage includes non-Anthem covered entities. 14
Top 10 STD Claims for VACORP Hybrid Disability Diagnostic Category VACORP Claims IBI Claims Pregnancy 47.5% 21.0% Musculoskeletal 13.8% 22.9% Neoplasm (cancer) 8.6% 6.4% Injury and Poisoning 5.9% 12.0% Digestive System 5.4% 7.0% Mental Disorders 4.7% 7.3% Respiratory System 3.0% 2.6% Genitourinary System 2.9% 5.2% (reproductive and urinary system) Circulatory System 2.9% 4.9% Nervous System 2.7% 3.0% • Data provide for 2019 and is not considered mature data. • IBI is a non-profit health research organization in San Francisco, CA. IBI provides valuable benchmarking data by standard industrial classification code, or SIC code 15
• The plan is mandated by the Commonwealth of Virginia, established in the Code of Virginia. • Started January 1, 2014. Hybrid History • The Plan must be comparable and comply with the regulations as presented in the legislation. • The VACORP Plan is a comparable plan and has some enhancements to the mandated benefits. • Pricing advantage – rates guaranteed to July 1, 2024 • Notices from VRS concerning the State’s VLDP program, including rate information do not affect this program 16
Hybrid Disability Program Review Short Term Disability Long Term Disability • Codified • Codified • Self Insured (Paid by Entity) • Fully-Insured (Paid by Anthem) • 7 day waiting period • 125 workday waiting period • 125 workday day benefit • 60% of monthly income • 60% - 100% of weekly income • Social Security Normal Retirement depending on VRS tenure benefit • Must continue health insurance • 1% retirement benefit coverage • FMLA runs concurrent with Disability 17
Short Term Disability For Non-Occupational Disabilities Non-occupational disabilities are covered on the day following the completion of 12 months of continuous service with the employer as long as the employee is capable of Active Work on that day. Benefits begin on the first work day after a 7 Calendar Day waiting period and are payable for up to 125 work days, based upon the nature of the disability. What is the benefit? Work days of 80% Work days of 60% Work days of 100% Replacement of Replacement of Months of Continuous Replacement of Participation Creditable Creditable Creditable Compensation Compensation Compensation Fewer than 12 0 0 0 12-59 0 0 125 60-119 25 25 75 120-179 25 50 50 25 75 25 180 or more 18
Managing the Plan 19
1. Many ways to submit claim: email, mail, fax, submit online, or by phone 2. Telephonic or Online claims are preferred for maximum efficiency and quickest adjudication! • Eligibility Template can be uploaded with initial claim submission OR emailed to LDClaims mailbox • Online Claim Submission does not require full completion • Complete what information is available – Anthem will gather the rest! • Submit anticipatory claims about 30 days in advance 20
Please send the following eligibility information: PLEASE ONLY RESPOND TO THOSE QUESTIONS THAT ARE HIGHLIGHTED 1. Date last worked:__________________________________________________ number of hours worked on date last worked: ____________________________ 2. First day absent from work:___________________________________________ Eligibility 3. Estimated or actual return to work date:_________________________________ 4. Date of hire:______________________________________________________ Template 5. Please advise if the employee is currently eligible and enrolled in the VACORP Hybrid Disability Plan offered by Anthem Life: yes or no 6. Does the employee have LTD : yes or no 7. Insurance Effective date:____________________________________________ 8. Is this person a contract employee: yes or no If yes, please provide contract dates below: Current contract start date : ________________________________________ Current contract end date : _________________________________________ 9. Occupation:______________________________________________________ 10. Standard work week hours:__________________________________________ Please provide the employee’ s normal “ days off ” during the week - highlight 11. the off days: Monday Tuesday Wednesday Thursday Friday Saturday Sunday 12. Is claim work related: yes or no 21
Short-Term Disability: Submit a claim Submit Claim ✓ Employees submits a claim ✓ Human Resources emailed automatically upon claim notification Customer Service Receive Claim Packet ✓ A welcome letter ✓ A Release of Information form (STD) ✓ Resource Advisor brochure ✓ Employer-specific information Designated Disability Case Manager Assigned The Disability Case Manager develops ongoing relationship with employees and human resources staff to create custom action plans and explore return-to-work opportunities. 22
Filing a Claim: By Phone 23
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