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Jefferson County Board of Education 2013 Open Enrollment Employee Benefits Meeting

Jefferson County Board of Education 2013 Open Enrollment Employee Benefits Meeting. Jefferson County Board of Education Employee Benefits Communication and Education. Why are we here? Review your entire benefits program Talk about how to enroll Who to see, and when to see them

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Jefferson County Board of Education 2013 Open Enrollment Employee Benefits Meeting

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  1. Jefferson County Board of Education 2013 Open Enrollment Employee Benefits Meeting www.coloniallife.com

  2. Jefferson County Board of EducationEmployee Benefits Communication and Education • Why are we here? • Review your entire benefits program • Talk about how to enroll • Who to see, and when to see them • Assist you in the selection of all benefits • Sign up and activate www.coloniallife.com

  3. Disclaimer • This material is for informational purposes only and • is neither an offer of coverage nor medical advice. • It contains only a partial, general description of plan of program • benefits and does not constitute a contract or any part of one. • For a complete description of the benefits available to you, • including procedures, exclusions and limitations, refer to your • specific plan documents • All benefits are subject to coordination of benefits unless noted • otherwise. • In case of a conflict between your plan documents • and this presentation, the Plan Documents will govern. www.coloniallife.com www.coloniallife.com

  4. Dade Kelley Scholarship Fund • A $50,000 endowment was made to Jefferson Co. Schools for the purpose of establishing a scholarship fund. • $1000 scholarship awarded annually to Jefferson Co. High School senior for teacher education • Additional funds (through donations) would allow this fund to continue beyond the initial funding • Donations are made for one-year and need to be renewed each year – our benefits counselors will be able to assist www.coloniallife.com www.coloniallife.com

  5. Agents: Annual 403(b) Plan Eligibility Notice • The Jefferson County Board of Education offers eligible employees the opportunity to save for retirement by participating in a 403(b) Plan. You are eligible to participate in this plan, whether or not you are actively contributing to it. In most cases, your deductions are “pre-taxed”. • Not yet contributing to the 403(b) plan? To start your contributions to the 403(b) plan, complete and return a salary reduction agreement to Shonta Walker at the county office. You may enroll at any time but paperwork must be turned in during the first 2 weeks of the month you wish to begin contributing.Contributions will begin the first of the month after the paperwork is received. You must also establish an account with the appropriate investment provider(s) that you have selected. • Already contributing the 403(b) plan? Great news! You have an opportunity to increase your contributions to the 403(b) Plan. If you are already currently contributing to the 403(b) plan, you may be able to increase your pre-tax contributions. To change your contributions, complete and return a salary reduction agreement to Shonta Walker. •  Need to reduce your contributions to the 403(b) Plan? You can change your contribution rate by completing and returning a salary reduction agreement as described above. • Need to stop your contributions to the 403(b) Plan? You may stop contributing at any time with written notice to Shonta Walker. However, you must contact your agent to resume contributions. • How much can I contribute? You may contribute up to $17,500 in 2013. This amount may be adjusted annually. Also, if you are at least 50 years old and/or you have completed at least 15 years of service, you may also be able to make additional catch-up contributions. Contact your agent for specific details • This information has been amended from the “Annual 403(b) Plan Eligibility Notice” available to all employees on the teacher website. The information is available upon request. www.coloniallife.com www.coloniallife.com

  6. Jefferson County Board of Education • Section 125 • Medical Plan Review • Dental • Group Long Term Disability • Voluntary Benefits • Accident New Plan for 2013!! • Life Insurance • Group Term Life – New Plan for 2013 • Group Short Term Disability • Cancer • Hospital Supplement • Critical Illness www.coloniallife.com www.coloniallife.com

  7. Section 125 Plan – Flexible Benefits Plan • Also called “Cafeteria Plans” • Premium Only Plan is only available through your employer • A strong benefit that costs you nothing! • IRS Code Section 125 allows selected employee benefits to be deducted from Gross Earnings • The IRS requires that “eligible” (pre-tax) deductions be verified annually • The superintendent has determined this will be a mandatory enrollment • Designed to make your benefits more affordable • Lowers taxable income, increases spendable income • Pre-Tax Elections must be maintained for a year • Exceptions: Family Status, Employment Status, Leaves of Absence, Major Health Plan changes www.coloniallife.com www.coloniallife.com

  8. Section 125 Plan - Cafeteria Plan • The premium of certain benefits is pre-taxed. • You may have more take home pay by paying lower taxes • Choose qualified insurance coverage and pay the premiums with pre-tax dollars. Without With Premium Premium Only Plan Only Plan Gross pay $500.00 $500.00 Pretax reduction (major medical ins.) -0- - 50.00 Taxable gross 500.00 450.00 FICA, fed. & state taxes - 68.98 - 57.46 Net pay 431.02 392.54 Payroll Deduction (major medical ins.) -50.00 -0- Take home pay $381.02 $392.54 www.coloniallife.com www.coloniallife.com

  9. Premium Only PlanFlexible Benefits Programs • As part of your benefits plan, you may have Medical, Dental or other non-Colonial Benefits • Each Enrollee should: • Be aware of what the plan provides you • Some coverage have 100% paid benefits (wellness, preventive care) that make your premium contribution worthwhile • Be aware of out-of-pocket expenses that can add financial stress to an already stressful event • Co-payments, deductibles, annual maximums can limit your ability to maintain your lifestyle • Medical plan information is for your review ONLY. Your State Merit Benefits will be re-enrolled in OCTOBER each year, all other benefits are re-enrolled in APRIL. www.coloniallife.com www.coloniallife.com

  10. State Health Benefits Plan Options • This is a REVIEW ONLY. Your State Health Benefits Plan is renewed on October every year • A Consumer-Driven approach to your health benefits • Three Plan Options • HRA Option • HDHP Option • HMO Option www.coloniallife.com www.coloniallife.com

  11. HEALTH CAREState Health Benefits Plan • Changes in 2013 – effective 1/1/2013 • Elimination of the Spousal Surcharge • Increase in deductibles and co-insurance for the • HRA,HDHP and HMO Standard and Wellness Plans • Increase in co-payments under the HMO Standard Plans • PCP & Urgent Care- $55; Specialist - $65 • Change in HRA credits in the Standard Plan • Increase in premiums for most plan options and tiers www.coloniallife.com www.coloniallife.com

  12. HEALTH CAREState Health Benefits Plan • Wellness Option: • Lower premium, lower co-insurance • Must complete requirements before 31 May 2013 • Health assessment • On-line health training • Biometric screening (if enrolled new in 2013) • Surcharges: • Tobacco - $80.00 monthly, if ANY covered person has been a tobacco user in the past 12 months www.coloniallife.com www.coloniallife.com

  13. State Health Benefits Plan Outline (In-Network) www.coloniallife.com

  14. HEALTH CAREState Health Benefits Plan Basic plan rates – An $80 surcharge is added if any covered member or dependents use tobacco products www.coloniallife.com www.coloniallife.com

  15. HEALTH CAREState Health Benefits Plan INSTRUCTIONS FOR ACCESSING THE HEALTH ASSESSMENT AND WELLNESS PROGRAMS: CIGNA Healthcare 1. Log onto www.myCIGNA.com. and log in using your User ID and Password, and then select “Go.” If you are not yet registered for myCIGNA.com, you will need to do that first: a. On the www.myCIGNA.com log in screen, in the bottom-left menu, select “Register.” b. Follow the registration instructions and enter the required information.When finished, you will be asked to log in using your new User ID and Password. 2. Once logged in, on the right side of the first page, you’ll see a box labeled “I want to….” Select the link that says “Take my health assessment.” If you can’t find this link, select the tab near the top-left of the page called “My Plans,” and then select the sub-tab labeled “Medical.” Now, again look on the right side of the page for a box labeled “I want to….” Select the link that says “Take my health assessment.” 3. On the next page, select your name. A new window will open to the my health & wellness center log-in page. 4. On the log-in page, under “New Users,” select “Register for my health & wellness center.” 5. Follow the registration instructions and complete all required fields. 6. When registration is complete, the next page will be the my health & wellness center home page. From here, you can take your health assessment or join an Online Health Coaching Program. For telephonic wellness programs or If you have trouble with the Health Assessment or Wellness Information, please contact the Customer Service Unit of your Health Plan Vendor. www.coloniallife.com www.coloniallife.com

  16. HEALTH CAREState Health Benefits Plan • INSTRUCTIONS FOR ACCESSING THE HEALTH ASSESSMENT AND WELLNESS PROGRAMS: • UnitedHealthcare • 1. Click on www.myuhc.com. • 2. Click on “Site Login” and enter Username and Password or “Need a user name and password” if a first time user. • 3. Click on the "Health Assessment" button located in the right hand column • 4. On the Health & Wellness homepage, click on "Spanish or English Health Assessment“ • 5. Read the privacy information and then click on "Launch University of Michigan Health Assessment" in the middle of the page. • 6. Answer the questions and hit "Submit to the University of Michigan for Analysis" at the bottom of the questionnaire. • 7. Review your personal results profile. You may also print for your records. Your completed health assessment will personalize your online health & wellness experience. • 8. In addition to completion of the Health Assessment, you must complete an online or telephonic wellness program. • For telephonic wellness programs or If you have trouble with the Health Assessment or Wellness Information, please contact the Customer Service Unit of your Health Plan Vendor. www.coloniallife.com www.coloniallife.com

  17. HEALTH CAREState Health Benefits Plan • Members who re-enrolled in a Wellness Plan (met their 2012 • Wellness Promise) will complete two (2) health actions for 2013 • Members and spouses (if covered) must complete an online • SHBP Member Education module at www.AHealthierSHBP.com • between NLT May 31, 2013 • Members and spouses (if covered) must also complete an online • health assessment NLT 4:30pm on May 31, 2013 • Members new to a Wellness Plan must complete three (3) health actions: • Members and spouses (if covered) the online SHBP Member Education • module between January 1, 2013 and 4:30pm on May 31, 2013 • Members and spouses (if covered) must complete an online health • assessment NLT 4:30pm on May 31, 2013 • Members and spouses (if covered) must obtain their biometric • screenings NLT May 31,2013 and have their physician fax a completed • Screening Form NLT 4:30pm on May 31, 2013 • For all of the requirements, be sure to PRINT A COPY OF YOUR • CERTIFICATE OF COMPLETION www.coloniallife.com www.coloniallife.com

  18. HEALTH CAREState Health Benefits Plan • All members and spouses (if covered) enrolled in either a 2013 • Standard Plan or enrolled in a Wellness Plan option for the first • time will each be eligible to earn a $240 HRA incentive fund • contribution for 2014 if they complete all of the three actions listed • Second year Wellness Plan members and spouses (if covered) • need to complete only the first two actions , number s one (1) • and two (2) to earn a $240 HRA incentive fund contribution. www.coloniallife.com www.coloniallife.com

  19. INSURANCE BENEFITEmployee Term Life • Jefferson County Board of Education • provides Term Life Insurance for all • eligible employees • $15,000 Term Life and Accidental, Death and • Dismemberment Insurance • We have been asked to update everyone’s beneficiary www.coloniallife.com

  20. HEALTH CAREDelta Dental • Basic Plan : JCBOE pays cost for employee’s basic dental coverage • Rates are being adjusted effective 7/1/2013. • High Option: For an additional $4.76 per month, the following services can be added to the basic plan. • Up to 50/50 coverage (12 months waiting period): • Crowns, Fixed Bridges, Partial or complete dentures www.coloniallife.com

  21. HEALTH CAREDelta Dental • Family Coverage is available: • Dental Rates will remain the same for this plan year • Basic coverage : $43.20 per month • High Option : $60.86 per month. • Includes crowns, fixed bridges, partial/complete dentures • If changes are made, you MUST complete a new application – agents will assist you www.coloniallife.com

  22. Long Term DisabilityJefferson Pilot • JCBOE pays the premium • Benefit = 60% of your gross salary • 90 day Elimination Period • Benefits: • continue until age 65 • offset by Worker’s Comp or Social Security www.coloniallife.com

  23. Short-Term Disability Insurance • Protect your income and lifestyle • Use benefits to help pay for: • Lost wages due to accident or sickness • Mortgage or rent payments. • Utility bills and other household expenses • Use the money where it’s needed most www.coloniallife.com www.coloniallife.com

  24. Voluntary Insurance BenefitShort Term Disability (Jefferson Pilot) • 14th day elimination period for injury and sickness • Weekly Gross Disability Benefit = 60% • Weekly Benefit Maximum = $750 • Benefit period = 11 weeks • Pre-existing conditions not covered for 12 months • Application, including health questions MUST be completed www.coloniallife.com www.coloniallife.com

  25. Voluntary Insurance BenefitShort & Long Term Disability Period of Disability LTD STD Return to Work – Benefits End Short Term Ends – File Long Term Elimination Period Ends – File Short Term Start of Disability – Enter Elimination Period www.coloniallife.com www.coloniallife.com

  26. Why Supplemental Insurance? • Ask yourself, “If something happened to me • TODAY, could I • Pay my rent or mortgage? • Put food on my table? • Keep my car on the road? • Pay my bills? (especially heating and • electricity) • Provide for my children? • Can you support or maintain your lifestyle in • the face of reducing personal assets to meet • your expenses? www.coloniallife.com

  27. Colonial Life The Advantage of Colonial Life plans: • Most plans pay in addition to other benefits you may have with other insurance companies. • Benefits are paid directly to you, unless you specify otherwise. • With most plans, you can keep your coverage even if you change jobs or retire. • Most plans are guaranteed renewable. • Prompt and courteous customer service. www.coloniallife.com www.coloniallife.com

  28. Colonial Life • Life Insurance • Permanent Life Insurance • Term Life Insurance • Hospital Income Supplements • Critical Illness Insurance • Accident Insurance • Cancer Insurance Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state. www.coloniallife.com www.coloniallife.com

  29. Colonial Supplemental InsuranceLife Insurance • In general, there are two forms of life insurance: • Term Life: • Term life is simply a death benefit • Easy to get and inexpensive • No cash build-up, no additional value • Protect your family and their future • Permanent Life • Universal Life, Whole Life • Cash value builds as policy ages • As a cash building policy, these plans add value to your self-worth • Premium never changes • Invest in your own, or your families future www.coloniallife.com

  30. Colonial Supplemental Insurance Group Term Life 1.0 – New Plan for 2013!! • Term Life insurance is simply a death benefit • Group Life takes all employee and treats them as a single risk • Creates lower rates and makes a very affordable plan Coverage Options: Employee - $10,000 increments, up to 5x your annual salary • $150,000 coverage Guaranteed Issue FOR ALL EMPLOYEES • During THIS ENROLLMENT ONLY • New Plan includes Accidental Death and Dismemberment • Employee Assistance Program and TWO optional AD&D benefits Spouse - $5,000 increments up to employee amount selected • $25,000 Guaranteed Issue (Employee must insure themselves) Dependents - Up to age 26 • $1,000 increments, up to $10,000 Guaranteed Issue • Single premium includes all eligible children

  31. Colonial Supplemental Insurance Group Term Life 1.0 – New Plan for 2013!! • Term Life and Accidental Death • AD&D will double the death benefit (up to $150,000 maximum) • Old plan DID NOT include AD&D • Better Rates • Employee rates are lower than prior years. • At certain age groups, spouse premiums may be higher • Convertible • Keep coverage if you retire, or leave place of employment. • Application is required at the time of conversion. • LifeWorks Employee Assistance Program • Accelerated Death Benefit • 75% benefit paid if you are diagnosed terminally ill, with 12 months or less to live, up to $250,000 • Waiver of Monthly Premium • Monthly premium is waived in the event you become disabled before • age 70, 270-day elimination period

  32. Colonial Supplemental Insurance Group Term Life 1.0 – New Plan for 2013!! • All Existing Colonial VGTL Coverage will be converted with NO HEALTH • QUESTIONS ASKED • Full amount of in-force coverage! • Take advantage of the new rates!! • Any new coverage up to $150,000 is Guaranteed Issue • NO HEALTH QUESTIONS – All full time employee are eligible • New applications or increase to Colonial VGTL plans • Accidental Death and Dismemberment benefit • NEW BENEFIT – not included in VGTL plan • Optional Family and Catastrophic Illness Benefits • All Existing VGTL coverage MUST be changed to GTL 1.0 • VGTL plan will be lapsed as of 7/1/2013

  33. Colonial Supplemental Insurance Group Term Life 1.0 – New Plan for 2013!!

  34. Colonial Life Universal Life Insurance • Portable and guaranteed renewable. • Coverage for you and your family. • Cover self or spouse with individual plans • Juvenile UL with Guaranteed Purchase Option • Can accumulate cash value. • Guaranteed to build at 4% annually • Policy is YOURS, even if you change jobs or retire • Premiums will not change with age • The advantage of flexible premium payments and death benefits. Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state. www.coloniallife.com www.coloniallife.com

  35. Colonial Supplemental InsuranceUniversal Life Insurance • Spouse Coverage • Duplicate the same benefits as offered to you -- even if you don’t buy a policy for yourself • Spouse Term Coverage in addition to your Life Policy • For amounts less than $50,000 spouse signature not required • Juvenile Coverage • Universal Life -- policy for each child • NEW!! Amounts up $100,000 available for Juvenile plans • Low rates at younger age, coverage continues even if health problems develop • Opportunity to increase coverage at age 18, 21 & 24 with no health questions asked. Maximum face value $100,000 • A tremendous value for children under the age of ten – premiums for $25,000 typically less than $10 monthly www.coloniallife.com

  36. Colonial Supplemental Insurance Universal Life Insurance • Additional Coverage Available • NEW!!! Long Term Care Benefits • Use your Universal Life Plan to fund Long Term Care expenses without diminishing the original face value • Accidental Death* - Death benefit doubles if death is due to an accident • Waiver of Monthly Deduction* -- Protects your policy in the event you become totally disabled before the age of 60 • Additional Coverage Term • Term life riders as part of the basic policy. • Term Life riders are available for the named insured or for spouse or children • Guaranteed Purchase Option - The opportunity to increase the original face value at programmed intervals, with NO HEALTH QUESTIONS ASKED • * These options are recommended on policies with face values less than $50,0000 www.coloniallife.com

  37. Colonial Life Whole Life Insurance • Portable and guaranteed renewable. • Coverage for you and your spouse • Built-in Guaranteed Purchase Option • Increase face amount at the 2nd, 5th and 8th years with NO HEALTH QUESTIONED ASKED. • Can accumulate cash value. • Policy builds to a guaranteed cash value at age 65. • “Paid Up” life insurance • Option to paid in full at age 65 or 95 • Stop paying for policy, coverage remains in force • Policy is YOURS, even if you change jobs or retire • Premiums will not change with age • The advantage of flexible premium payments and death benefits. www.coloniallife.com www.coloniallife.com

  38. Colonial Life Hospital Confinement Indemnity Insurance • Designed to supplement your existing major medical coverage. • Lump-sum benefit helps you to pay medical and non-medical expenses associated with a hospital stay, such as: • Deductibles or co-payments. • Transportation to and from the hospital. Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state. www.coloniallife.com www.coloniallife.com

  39. Medical Bridge 3000 Hospital Confinement Indemnity Insurance • This plan has been revised in response to changes in the State Health Benefits Plan. • Designed to supplement your existing major medical coverage. • Lump-sum benefit helps you to pay medical and non-medical expenses associated with a hospital stay, such as: • Hospital Confinement – choose $500 or $1000 lump-sum • Out-patient surgery - $500 or $1000 depending on procedure ($1500 annual maximum) • Wellness benefit - $50 annually for 18 different tests • Rehabilitation benefit - $100 daily for 15 days (30 days annual maximum) • $250 for diagnostic tests; $150 ER visits for accidents or sickness • Coverage available for Employees, Spouse and Children www.coloniallife.com www.coloniallife.com

  40. Critical Illness Critical Illness 1.0 • Helps protect your financial security if you experience a specified critical illness or catastrophic illness • Heart attack (myocardial infarction) • Stroke • Organ Transplant • Kidney failure (end-stage renal failure) • Bypass surgery • Blindness (due to an accident) • Coma (due to an accident) • Pays a lump-sum benefit upon diagnosis. • Up to $75,000 for employees and $40,000 for spouse and children • Dependent benefit is 25% of employee amount up to $40,000 max • Subsequent Diagnosis benefits included • The benefit is paid to you unless you specify otherwise—use the money where it’s needed most! www.coloniallife.com www.coloniallife.com

  41. Colonial Life Accident Insurance • An on-the-job accident occurs every eight seconds • Approximately 22% of the injury visits to an emergency room are the result of sports-related activities for persons between the age of 5 and 22 • Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident. • Provides benefits for initial care and treatment, in addition to some follow-up care that you may need. Product underwritten by Colonial Life & Accident Insurance Company. Policies have exclusions and limitations that may affect benefits payable. All plans may not be available in all states and benefits provided may also vary by state. www.coloniallife.com www.coloniallife.com

  42. Accident Care Accident Insurance • Helps pay the direct (medical) and indirect (non-medical) expenses that may result from a covered accident. • Initial Care - $150 ER benefit, $100 Ambulance benefit, $50 Doctors Office benefit • Injury Benefits – Broken bones, dislocations, burns, concussions, lacerations, and more • Benefits range from $50 (broken toe or finger) to $4,000 (dislocated hip) • Hospitalization - $750 on admission, $200 daily for 365 days • Other benefits – Follow-up doctor visits, physical therapy, wheelchairs, crutches, accidental death • Optional benefits include – wellness benefit, sickness hospitalization and spouse disability www.coloniallife.com www.coloniallife.com

  43. Group Accident 1.0 – New Benefit www.coloniallife.com www.coloniallife.com

  44. Group Accident 1.0 – New Benefit www.coloniallife.com www.coloniallife.com

  45. Group Accident 1.0 – New Benefit www.coloniallife.com www.coloniallife.com

  46. Group Accident 1.0 - Rates • If you have in-force Accident Care, you may keep that plan. • This is Group Insurance and require a minimum of 10 participants • There are NO optional benefits with plan www.coloniallife.com www.coloniallife.com

  47. Colonial Life Cancer Insurance • The risk of developing cancer is, unfortunately, very real . • The lifetime risk for men is 1 of 2, and for women 1 of 3 • Cancer costs exceed $174 Billion annually in the U.S. • Primarily indirect and hidden costs • Major Medical typically covers 35% of Direct Costs • YOU pay indirect expenses -- 65% of total costs! • Improved treatment and screening make cancer more detectable and survivable than ever. • 5-year survival rate for screening accessible cancer is 80% • It could be as high as 95% if everyone took advantage of regular screening www.coloniallife.com

  48. Cancer 1000 Cancer Insurance • Helps protect you against the indirect costs and other expenses associated with cancer diagnosis and treatment. • Benefits payable for: • Specified cancer screening tests. $25 to $125 depending on plan • Diagnosis of skin cancer. • Hospital confinement - $100 to $400 daily • After 30 days, benefit doubles if still hospitalized • Radiation/chemotherapy - $100 to $300 daily • Monthly maximums' apply depending on delivery method • Transportation – 50 cents/mile for $1500 mile round trip. Payable for insured and traveling companion • Lodging - $75/night for 70 nights • NOTE: There have are several generations of cancer plans in force. If your plan is over 10 years old we discourage replacement without reviewing the benefits. Newer plans may not provide the benefits of these plans. www.coloniallife.com www.coloniallife.com

  49. What Happens Next? • Review and Enroll • Take advantage of your options. • Don’t be afraid to ask questions. • If you have question prior to your individual meetings, feel free to contact Hal Doyle at 706-951-8839 or e-mail haldoyle@comcast.net • What is important to you, and do you need to protect it? • We will meet with you individually to help you tailor your benefits plan to your needs. • Your benefits counselor will asked you to complete an on-line survey regarding your “enrollment experience” • All participants are entered into a drawing for a $100 American Express Gift Card • Information is available for all Colonial Policy Holders to set up an on-line account to access your Colonial information www.coloniallife.com www.coloniallife.com

  50. Employee Benefits Communication & Education • Final Thoughts • Service Issues • Claims • Retiring • Changing jobs www.coloniallife.com

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