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What We’ll Cover Today. Everything you need to know about Open Enrollment and your 2012 benefits: Open Enrollment basics What ’ s new for 2012 Your 2012 benefits How to enroll . Enrollment Information Review your enrollment packet to review: Your Open Enrollment Announcement

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Presentation Transcript
What we ll cover today
What We’ll Cover Today

Everything you need to know about Open Enrollment and your 2012 benefits:

Open Enrollment basics

What’s new for 2012

Your 2012 benefits

How to enroll

  • Enrollment Information

  • Review your enrollment packet to review:

    • Your Open Enrollment Announcement

    • 2012 Benefits Enrollment Guide

    • UHC Welcome booklet


Open enrollment basics
Open Enrollment Basics

Open Enrollment is Tuesday, November 1 –

Friday, November 18, 2011

It’s your once-a-year opportunity to enroll for new benefits or make changes to current benefits

Changes you make during Open Enrollment are effective January 1, 2012 through December 31, 2012

No changes during 2012 unless you have a “qualifying event”


You must complete the enrollment form and submit to HR by November 18th.


What you can do during open enrollment
What You Can Do During Open Enrollment

  • During Open Enrollment, you can:

    • Elect or waive health care coverage (medical/dental/vision)

    • Add or remove dependents

    • Elect to participate in a Flexible Spending Account (FSA)

      • Health Care – Standard or Limited Purpose*

      • Dependent Care

    • Elect to open a Health Savings Account (HSA)*

    • Apply for supplemental life insurance (subject to approval)

    • Purchase Hyatt Legal coverage

*Only available if you enroll in the CDHP


What s new for 2012
What’s New for 2012

New medical plan provider — UnitedHealthcare

There are minimal changes to the plan designs

Prescription Drugs will still be with Medco

There are changes to:

The provider network — To find out if your current provider participates in the UHC network, go to and review providers in the Choice Plus network

ID cards — All employees and dependents enrolled in the plan will receive new ID cards by January 1

Transition of care is available

For those in the middle of a course of treatment with a provider whodoesn’t participate in UHC’s network. Form

available on Powering Life website

Why are we moving to UnitedHealthcare?

UHC offers great provider discounts to save you and Tomkins money on medical services. UHC also has a broad national network of doctors and hospitals.


What s new for 20121
What’s New for 2012

New benefit! — Basic Long-term Disability (LTD)

Schrader International pays the full cost!

If you’re benefits eligible, you’re automatically enrolled

Replaces 50% of your base predisability earnings, up to $5,000 benefit per month

Upon approval, benefit paid after you’re disabled 180 days

For occupational or non-occupational injuries or illnesses

Subject to pre-existing rules the first year of coverage


What s new for 20122
What’s New for 2012

Only one vision plan will be offered

EyeMed vision plans no longer offered

New carrier = VSP

New plan design

Extensive network of practitioners

Log on to to check out the Choice network


What s new for 20123
What’s New for 2012

New Dental Carrier

Metlife is our new carrier

The plan design will stay the same as last year

Both in and out of network dentists and orthodontists

Extensive network which provide discounted services

No ID card. Simply give the office your name, date of birth and last 4 digits of your SS#

Check out for network dentists


Your 2012 benefits
Your 2012 Benefits

Medical (UnitedHealthcare)

PPO Plan

CDHP with Health Savings Account (HSA)

Dental Plan (MetLife)

Vision Plan (VSP)

Employee Assistance Program*

Disability Coverage (The Hartford)

Short-Term Disability (STD)*

Basic Long-Term Disability (LTD)*

Life Insurance (The Hartford)

Basic coverage*

Voluntary coverage

Accidental Death and Dismemberment (AD&D) Insurance (The Hartford)

Basic coverage*

Voluntary coverage

Flexible Spending Accounts (FSAs)

Health Care FSA

Dependent Care FSA

Legal Plan (Hyatt)

* Tomkins pays the full cost of these plans — you’re automatically enrolled at no cost to you!

2012 rates
2012 Rates

Medical Coverage

Dental Coverage

Vision Coverage

Life and accident insurance
Life and Accident Insurance

Voluntary Life Insurance

Apply at any time for additional life insurance on yourself and/or your dependents

Contact your Human Resources Representative for an Evidence of Insurability form

Once HR completes our section, you complete the form and mail to The Hartford

The Hartford will be in contact with you about the status of your request, if more information is needed, and the final determination – this process may takes weeks/months

AD&D coverage can be increased with out proof of good health


Fsa and hsa


Health Care

Dependent Care

$260 to $5,000 election

Health Savings Account

2012 maximums = Individual - $3,100 Family - $6,250

Minimum = $100


Ready to enroll
Ready to Enroll?

Complete the enrollment form found in your packet

Have handy your dependents’ social security #s, dates of birth, and full legal names

Print clearly

Submit your completed for to Human Resources no later than Friday, November 18, 2011

  • Enrollment

  • Checklist

  • Understand the benefits available

  • Discuss your benefit needs with your family

  • Complete enrollment by November 18


Important reminders
Important Reminders

Open Enrollment ends on November 18

Benefits are effective from January 1through December 31, 2012

You must complete the enrollment form and submit to HR by November 18th

If you have had a marital status change, be sure to update your Life and Accident insurance beneficiary designation (form online at the Powering Life website or from your HR department).



  • Visit the new Powering Life website at to review all documents, including:

    • 2012 Open Enrollment Announcement (which outlines What’s New)

    • 2012 Enrollment guide (which gives more details on each benefit)

  • Visit carrier websites