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Comprehensive Insurance & Benefits Guide 2013-2014

This guide covers eligibility, enrollment, coverage details, life and disability insurance, flexible spending accounts, and voluntary benefits offered to new employees. It also provides contact information and resources. Stay informed and make the most of your benefits package.

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Comprehensive Insurance & Benefits Guide 2013-2014

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  1. New Employee Orientation 2013-2014 Insurance & Benefits Division

  2. Welcome! • Insurance & Benefits – 768-3758 • Who is Eligible? • Spouse, Natural Children, Stepchildren, Adopted Children, (up to age 26) Domestic Partner, Domestic Partner Children • Who is Not Eligible? • Temporary employees, Seasonal employees, Ex-spouses, grandchildren

  3. MemberResponsibility • Timely submission of “Proof of Relationship” • Medical, Dental, & Vision are taken pre-tax, elections can not be changed unless there is a Qualifying Event • Timely notification of Life Status changes/ Qualifying events (31 days) • No Double Coverage

  4. Member Responsibility Cont. • Coverage Begin & End Dates – • New Hires , Newborns, New spouse • End dates- coverage ends the date a dependent ceases to be eligible • Loss of Coverage • Payment of Premiums (LWOP/FMLA) • COBRA

  5. Medical Insurance • Employee Premiums (City pays 80% of premiums) • Presbyterian Plans • Active • Family • Independent • Comparison on pages 18 & 19

  6. Medical Insurance Cont. • Value-Added Benefits • NurseAdvice line, discount services, mail services, online tools (page 14 & 15) • Employee Wellness Program • Stop smoking, lose weight, health tips, PHA (page 8) • Mobile Clinic dedicated to all participants • Goes to various locations • No copay/Not subject to deductible • Expanded Access to Delivery system • ABQ Health Partners

  7. Dental & Vision Plans • Delta Dental Plan • Two networks PPO and Premier • Plan Overview on page 23 • Vision Service Plan • Choice of frames • Plan Overview on pages 24 & 25

  8. Flexible Spending Accounts • MedicalCareReimbursementAccount • Annual maximum $2,500 • Minimum amount $260 ($10 a pay check) • Dependent Care Reimbursement Account • Plan maximum $5,000 • Minimum amount of $260 ($10 a pay check) • Parking and Transit Plan • Plan maximums for both plans is $230 a month • Pay for work related parking and mass transit costs

  9. Term Life Insurance Basic & Voluntary Life • The Hartford • Basic Life Insurance is 140% of base annual salary up to $50,000 paid for by the City. • No evidence of insurability required for coverage up to $250,000 • Maximum coverage amount 7 times annual salary not to exceed $500,000 • EOI required for amount over $250K

  10. Dependent Life Insurance • Spouse coverage • Effective 7/1/2013 Coverage can not exceed employee’s coverage • Dependent Children • Covered up to a maximum of $10,000 • Effective 7/1/2013 employee must have coverage in order to cover children • Enhancements: Funeral Planning, Concierge Services, Travel Assistance and ID Theft Protection Services. • Plan Overview of pages 28 & 29

  11. Disability Insurance • The Hartford STD/LTD Insurance • Short Term Disability(STD) • Guaranteed Issue no evidence of insurability(EOI) • Benefit starts to pay after 30 days of disability • Long Term Disability(LTD) • Guaranteed Issue no evidence of insurability(EOI) • Benefit starts to pay after 180 days of disability • See pages 31-34 for details

  12. Voluntary Benefits • Auto & Home (Travelers) • Legal Insurance (ARAG) • Long Term Care (John Hancock) • Deferred Compensation • ICMA-RC • Nationwide • VALIC

  13. Insurance & Benefits Division ofHuman Resources Department Contact Information • (505) 768-3758 • Email: employeebenefits@cabq.gov • On Line: www.cabq.gov/jobs/inusrnace-benefits • Pages 46-47 include websites and phone numbers to all vendors Questions ? REMINDER – Turn in Basic Life Insurance Beneficiary Designation form NOW.

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