2015 JACKSON COUNTY BENEFIT SUMMARY

Transcription

1 2015 JACKSON COUNTY BENEFIT SUMMARY Jackson County offers a complete benefits program to satisfy your personal needs. These benefits are an important part of your total compensation package. ELIGIBILITY Full-time employees are eligible for the following benefits on the first day of the month following 15 days of employment: Health Insurance Dental Insurance United States Savings Bonds** Group Term Life AD&D Insurance Disability Benefits* Cafeteria Benefits Dependent Life/Additional Life Pension Plan AFLAC Deferred Compensation** Universal Whole Life Insurance Community America Credit Union** Employee Assistance Program Long Term Care Ins** Hyatt Legal Services Additional Benefits * (Eligible following completion of probation) ** (May enroll at any time) HEALTH INSURANCE BLUE CROSS BLUE SHIELD- 3 PLAN OPTIONS-Deducted 24 pay periods HEALTH MAINTENANCE ORGANIZATION (HMO) Low Option - Open Access HMO. Employee selects a primary care physician; $35.00 office visits; $12/50/70 co-pay for 30 day supply of prescription drugs. Per pay period cost: Individual - $23.51; Family - $ High Option - Open Access HMO. Employee selects a primary care physician; $30.00 office visits; $12/50/70 co-pay for 30 day supply of prescription drugs. Per pay period cost: Individual - $43.34; Family - $ PREFERRED PROVIDER ORGANIZATION (PPO) Employee may choose to receive services inside or outside the network of physicians/hospitals. In Network Benefits: $30.00 co-pay office visits covered at 90% coinsurance; $250. Ind./$750 Fam. deductible; $12/50/70 co-pay 30 day supply for prescription drugs; Maximum out of pocket expense per calendar year is $3500 Individual; $7000 Family Out of Network Benefits: Deductible: Individual $1000/Family $3000; Office visits covered at 80% after deductible; Maximum out of pocket expense per calendar year is $7000 Individual; $14000 Family$12/50/70 co-pay 30 day supply of prescription drugs. Employees may use in network and out of network benefits throughout the plan year. Per pay period cost: Individual $168.14; Family $ Dependent age limit is end of calendar year in which age 26 is reached for all health plans. TERM LIFE INSURANCE - Deducted Monthly 2 nd pay period Standard Insurance Company Jackson County provides $15,000 basic life/ad&d as a fully paid County benefit. Dependent life may be purchased at $2.50 per month. Dependent life covers: Spouse $10, Child(ren) Birth - 6 months $ months - 21 years * $ 5, * or to age 26 if a full-time student Additional life (employee only) of $10,000, $20,000, $35,000, $50,000, $75,000, $100,000, $150,000, $200,000, $250,000, and $300,000 may be purchased. Cost is dependent on age. Coverage reduced at age 70+. Medical Health Statement is required for any election 1

2 over $200,000. DENTAL INSURANCE - Deducted 24 pay periods BLUE CROSS BLUE SHIELD DENTAL - 3 PLAN OPTIONS-Deducted 24 pay periods DENTAL SOURCE DHMO Employee must select a provider. Basic dental care provided at various locations. Specialty referral at discounted rates. Per pay period cost if family health is elected: Indiv $4.38, Couple $7.13, Family $11.00 Per pay period cost if individual or no health is elected: Indiv $2.19, Couple $3.56, Family 5.50 BLUE KC PPO BASE PLAN A PPO dental plan which allows you to use any dentist and specialist you choose. The highest level of benefits for covered services is provided when services are obtained from an in network dentist. *In Network Benefits: Type I services are covered at 100% of Preferred Dental Provider Fee Type II services are covered at 80% of Preferred Dental Provider Fee Individual deductible is $50.00 and the annual calendar year maximum is $1500. The deductible applies to Type II services only. *Out of Network Benefits: Type I services are covered at 100%, paid at Reasonable and Customary Fees as determined by Blue KC; Type II services are covered at 60%, paid at Reasonable and Customary Fees as determined by Blue KC Pay period cost if family health is elected: Individual $6.61, Couple $12.24, Family $ Pay period cost if individual or no health is elected: Individual $4.42, Couple $8.67, Family $16.55 BLUE KC PPO BUY-UP PLAN A PPO dental plan which allows you to use any dentist and specialist you choose. The highest level of benefits for covered services is provided when services are obtained from an in network dentist. Orthodontia covered for dependent children to age 19. *In Network Benefits: Type I services are covered at 100% of Preferred Dental Provider Fee Type II services are covered at 80% of Preferred Dental Provider Fee Type III services are covered at 50% of Preferred Dental Provider Fee Type IV services, are covered at 60%, Orthodontia (to age 19) and related procedures, $1500 Orthodontia lifetime maximum. Individual deductible is $50.00 and the annual calendar year maximum is $1500. The deductible applies to Type II and III services. *Out of Network Benefits: You may be responsible for filing your own claims forms and payment for services may be made directly to you. Benefits for covered services from these providers will be less than if obtained from a PPO Network dentist, and you will be balance billed for any difference between the dentist s charge and Blue KC s allowance. Per pay period cost if family health is elected: Individual $10.98, Couple $21.64, Family $36.13 Per pay period cost if individual or no health is elected: Indiv $8.79, Couple $18.07, Family $30.63 Dependent age limit is end of calendar year in which age 26 is reached for all dental plans CAFETERIA BENEFITS -Deducted 26 pay periods Open enrollment is November each year; elections are effective January 1. Two plans are available. UNREIMBURSED MEDICAL FLEXIBLE SPENDING ACCOUNT This account allows employees to pay, using pretax dollars, for medical expenses which insurance does not cover. The maximum amount that can be contributed is $2,550 per year. DEPENDENT CARE ACCOUNT Working parents who pay for day care of a dependent under the age of 13 (or any adult or other eligible dependents who are physically or mentally incapable of taking care of 2

3 themselves) can pay for these expenses with pretax dollars. The dependent care maximum is limited to $5,000 per year if single or married and filing a joint tax return OR $2,500 per year if married and filing separate tax returns. 3

4 DISABILITY BENEFITS Jackson County provides at no cost to non-probationary employees a two year disability benefit. The benefit provides monthly income of 60% of average monthly base salary up to a maximum monthly benefit of $5,000.00; with a 90 day elimination period. ADDITIONAL Long Term Disability Coverage - Deducted Monthly 2 nd pay period Jackson County offers the opportunity for non-probationary employees to purchase, through payroll deductions long-term disability coverage through Standard Insurance Company. Employees may purchase either a 5 year additional benefit or benefit to age 65. Rates are based on employee s salary and age. EMPLOYEE ASSISTANCE PROGRAM Bensinger, DuPont & Associates (BDA) Jackson County provides at no cost to employees and dependents (under age 26) with confidential counseling and referral services. Bensinger, DuPont & Associates include WorkLife services, legal and financial counseling and up to three face-to-face assessment and counseling sessions. PENSION PLAN Employees become a member of the pension plan on January 1 of the year following one year of completed service. The plan is funded by the County with no contributions required by participants. 100% vesting at completion of 5 years of service; normal retirement age is 65; early retirement is between ages 55 & 65 with a 5% per year reduction up to age 65 if not 80 & Out eligible; Normal Benefit Formula X Years of Service X Average Monthly Earnings. 80 & Out entitles employee to receive unreduced Pension Benefits when employees age of at least 55 plus years of service totals 80 or more. DEFERRED COMPENSATION - Deducted 26 pay periods 3 PLAN OPTIONS: VOYA (formerly ING) / MASS MUTUAL / NATIONWIDE Tax-deferred savings plan for retirement. Employee chooses the dollar amount of deferral and selects one or more combinations of investment options. Maximum contribution is $17,500 or if over age 50, $23,000 for AFLAC - Deducted 24 pay periods This plan covers indirect costs that are not covered by your major medical health insurance. This program pays over and above your health insurance coverage. The following coverage options are offered: Heart & Stroke, Hospital Protection, Accident Expense Policy; Intensive Care Protection; Personal Cancer Protector I, II, & III; Short Term Disability; & Critical Illness. ALLSTATE UNIVERSAL LIFE INSURANCE Deducted 26 pay periods County employees are eligible to elect Universal Life Insurance coverage. Premiums provide coverage to at least age 85, it s portable you can take it with you if change job or retire, and coverage is available for your whole family. Statement of Health is not required if you and your spouse are actively working and are under age 65 and under during enrollment period. HYATT LEGAL SERVICES - Deducted Monthly 1 st pay period Plan provides unlimited telephone advice and office consultations on virtually any personal legal matter with a plan attorney of your choice. Services include preparation of wills, codicils, living wills and living trusts, powers of attorney, deeds, demand letters, promissory notes and mortgages, review of personal legal documents. Also included is representation for: Purchase, Sale or Refinancing of your Primary Residence; Traffic Ticket Defense (No DUI); Wills & Power of Attorneys; Debt Matters & Identity Theft Defense; and Uncontested Adoptions and Guardianships. Plan covers employee, spouse, and dependents for $16.00 per month. 4

5 UNUM, LTC - LONG TERM CARE INSURANCE -Deducted 24 pay periods Long-term care coverage helps pay for the types of expenses one would normally incur for longterm care needs. Someone with a long physical illness, a disability, or a cognitive impairment (such as Alzheimer s Disease) often needs long-term care. Services may include help with activities of daily living, home health care, respite care, adult day care, care in a nursing home and care in an assisted living facility. Employee must complete an Evidence of Insurability Form if electing Plan 4, and/or electing any plan coverage for spouse. For more information and to apply please access the Jackson County, Missouri information site at COMMUNITY AMERICA CREDIT UNION Direct Deposit Savings Options: Regular savings account, checking accounts, money market accounts, Christmas Club accounts, certificates of deposits, and IRA s Lending Options: New and used vehicle loans, home improvement/equity loans, VISA, signature/line of credit loans, share secured loans and student loans UNITED STATES SAVINGS BONDS Direct Deposit TreasuryDirect is a convenient and secure website that allows you to establish an account to purchase, manage, and redeem bonds and treasury notes. To create an account go to To establish a payroll direct deposit, provide Payroll with TreasuryDirect account number, TreasuryDirect routing number and receiving bank name. VACATION - Full time employees earn vacation at the following rates: Years of Total Days Maximum Accrued Hours Accrued Continuous Service Per Year Hour Allowed Per Pay Period Less than or more HOLIDAYS - Eleven (11) paid holidays plus one floating holiday as follows: New Year s Day Martin Luther King Day *President s Day Truman Day Memorial Day Independence Day Labor Day Veteran s Day Thanksgiving Day Christmas Day Friday following Thanksgiving Floating Holiday for full-time non-probationary employee *President s Day the third Monday of February OR the day before/after Christmas to be determined by the County Executive annually (not both) and coordinated with Memorandums of Understanding with Bargaining Units SICK LEAVE - Full-time employees earn sick leave at the rate of 12 days per year or 3.70 hours per pay period. ADDITIONAL BENEFITS Effective January 1, 2010, County employees may elect either the option of a bus pass or a County provided parking space. County will provide bus pass in lieu of parking space downtown. The County s contribution will be capped at $65 for a bus pass and employee will be responsible for paying the difference. MOST (Missouri Saving for Tuition Program) A way to save for higher education. This flexible program offers: State income tax deduction, Tax deferral on your earnings, Use of funds at any eligible school in the country, Professional investment management, low initial minimum contribution of $15 through payroll deduction. BENEFIT INQUIRIES Contact Michelle Chrisman, Classification/Benefits Administrator at (816) Any conflict between this summary and the Personnel Rules or Benefit Plan Documents will be controlled by the Personnel Rules or Plan Documents. 5

6 6 Revised Human Resources Dept 10/14