Trinity Health Plus Benefits

Transcription

1 Trinity Health Plus Benefits Customized Voluntary Benefits for You and Your Family OPEN ENROLLMENT 2015 Online Self-Enrollment at:

2 Welcome to Trinity Health Plus Benefits The Voluntary Benefit Plus plans enhance your core benefits to offer choices, options and convenience to help protect you and your family. We re Ready When You Are! All you have to do to enroll in any Trinity Health Plus Benefits plan is to visit our self-enroll website One of our friendly and helpful Benefit Counselors can assist you if you have questions about the benefits or need help enrolling. They will be available at our toll-free number , March 2 through March 14, Monday thru Friday 8 a.m. until 6 p.m. ET and Saturday, March 14, 8 a.m. until 5 p.m. ET. Go to to enroll! 2

3 Choices and Options to Help Protect You and Your Family Combined Insurance Company of America LifeTime Benefit Term Insurance with Long Term Care LifeTime Benefit Term Insurance with Long Term Care combines permanent and portable insurance protection. That means this insurance stays with you and your family even if you change jobs or terminate employment. Additional optional riders are also available for Accidental Death Benefit and Waiver of Premium. Critical Illness Coverage from Lincoln Financial Group With Lincoln Critical Illness Insurance, 1 if you are diagnosed with a covered illness, you get a lump-sum cash benefit to use however you wish even if you receive benefits from other insurance. Use it how you need it: for treatments not covered by other insurance or a dream vacation to celebrate your recovery. You decide. Unum Individual Short Term Disability Insurance Unum s individual short term disability insurance can help replace a portion of your income if you are unable to work due to a covered injury or illness. This means you can have some income during a time of need. Personal and Family Legal Coverage You work hard to make the right choices for your loved ones, especially when it comes to legal and financial matters. Get the peace of mind you want and the protection you need with a LegalGUARD Plan. Typical legal matters can range from $500 to $10,000. With a LegalGUARD Plan, it is easy to choose an attorney. LegalGUARD offers valuable benefits to shield your family and savings from unexpected legal issues. Protect yourself and your family from the high costs of legal fees by enrolling in the new LegalGUARD Plan presented by Nationwide. Unum Group Accident Insurance Unum s accident insurance can pay benefits based on the injury you receive and the treatment you need, emergency room care and related surgery. The benefit can help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and copays. Family coverage is available. Additional Benefits Available: Trinity Health Plus Benefits has also put together several benefits that will be available to all eligible employees during and after this Enrollment period. Meaning, you can enroll in these benefits outside of this scheduled enrollment. See page 16 details. 1 In California, New Jersey and New York, applicants must have major medical insurance to be eligible for critical illness coverage. Visit and enroll now! 3

4 LifeTime Benefit Term Insurance with Long Term Care Term Life Insurance that lasts a lifetime! This is your opportunity to choose up to $250,000 of coverage for yourself or up to $125,000 for your spouse. Your Long Term Care Benefit This Converts your Death Benefit to a Living Benefit for Long Term Care. For example, a $50,000 Death Benefit can provide $2,000 per month toward Long Term Care expenses for up to 25 months! LifeTime Benefit Term an efficient and affordable solution for Pre and Post-Retirement Life Insurance AND Long Term Care Needs. Combined Insurance Company of America. This document is a brief description of Certificate Form No. C Benefits, rates, exclusions and limitation may apply and vary by states. Refer to your certificate of insurance for specific details. Some optional benefits are not available in all states. Certain optional benefits are available at additional costs. While projected to remain level under current assumptions, the certificate contains a guaranteed ensuring the initial death benefit will last for the longer of 25 years or to age 70 and thereafter can never be less than 50% of your initial death benefit. Long Term Care Rider premiums are not guaranteed. Any accelerated death benefit received for either Long Term Care or Terminal Illness will reduce, by a like amount, the total benefit amount available under the certificate. LifeTime Benefit Term Exclusions. If the insured commits suicide, while sane or insane, within two years (one year in some states) from the Date of Issue, and while this Coverage is in force, We will pay in one sum to the Beneficiary, the amount of premiums paid for this Coverage. Long Term Care Exclusions We will not pay Long Term Care benefits for care that is received or loss incurred as a result of: 1. an intentionally self-inflicted injury, or attempted suicide; or 2. war or any act of war, declared or undeclared, or service in the armed forces of any country; or 3. treatment of the Insured s alcohol, drug or other chemical dependence, except if the drug dependency was sustained or acquired at the hands of a Physician, or except while under treatment for an injury or sickness; or 4. the Insured s commission of, or attempt to commit, a felony; or an injury that occurs because of the Insured s involvement in an illegal activity. We will not pay Long Term Care benefits if the Confinement, Home Health Care services, or Adult Day Care service: 1. Is received outside the United States and its territories; or 2. is provided by ineligible providers; or 3. is rendered by members of the Certificateholder s or the Insured s Immediate Family. 4

5 LIFETIME BENEFIT TERM INSURANCE Visit and enroll now! WITH LONG TERM CARE 3 5

6 Visit and enroll now! 46 LIFETIME BENEFIT TERM INSURANCE with LONG TERM CARE

7 Why buy Life Insurance? Have you ever considered that your earning power is your most valuable asset? How will you protect it? In considering a life insurance purchase there are two general questions to ask yourself: How much life insurance is enough? While life insurance can never replace you, it can provide much needed funds for personal family needs. Over time inflation reduced the buying power of your current Life Insurance death benefits. Therefore, even if your needs have not increased, you should consider additional coverage just to stay even. Combined LifeTime Benefit Term Insurance is available to you during this enrollment period in amounts up to $250,000; you may also cover your spouse with up to $125,000. What type of life insurance should I buy? You should look for a policy that is portable and has the ability to stay with you throughout your lifetime. Most people need some level of insurance after they retire to age 121. Combined LifeTime Benefit Term insurance combines the rate advantages of Term Insurance with the protection and portability of Permanent Insurance. Long Term Care Benefit how does it work? Sample Cost* Name Age Nicotine Coverage Cost per Use Amount Week Female 30 Non-Nicotine $ 81,432 $9.50 Male 35 Non-Nicotine $ 65,973 $9.50 Female 40 Non-Nicotine $ 51,137 $9.50 *Cost of optional benefit riders not included 7

8 Critical Illness Insurance* Worry less. Critical iillness insurance can help. Why do you need Critical Illness Coverage? Imagine not having to worry about money if you get sick. Copayments. Car payments. Housing, utilities and food. If a serious illness strikes, the last thing you want to worry about is bills. With Lincoln Critical Illness Insurance, 1 you can get a cash benefit even if you re receiving benefits from other insurance. Use the cash for anything you want or need. How does it work? Use it how you need it: for treatments not covered by other insurance or a dream vacation to celebrate your recovery. You decide. If you are diagnosed with a covered critical illness, our Lincoln CareCompass SM benefits and services can help you through treatment to your recovery. The Lincoln CareCompass SM program comes with your Lincoln Critical Illness coverage and includes: Critical Illness Assessment Benefit You can get a $50 benefit for you and each covered dependent by completing one of 24 covered assessment tests each year. Tests include electrocardiogram, mammogram, colonoscopy, chest x-ray, stress test, serum cholesterol, blood glucose and many more. Child care expense benefit - A benefit of $25 a day per child for up to 30 days of child-care expenses if you are hospitalized due to a covered critical illness Travel assistance services - Help arranging travel and lodging for out-of-town care, including concierge-type services such as finding a convenient market or laundry Support services 2 - Referrals to community resources and support groups, and access to phone counseling on coping with illness; emotional issues; personal finances, including debt management; legal concerns; referrals for child care; and follow-up care and monitoring Personal health advocate services - You can use the services of the personal health advocate if you need help managing healthcare services for yourself or for a family member, such as your parents or parents-in-law. A professional to assist you by: Coordinating care among different providers Identifying needed specialists Scheduling appointments Finding clinical trials that could speed recovery Making the most of your health insurance benefits Negotiating fees Non-Tobacco Bi-weekly Employee and Spouse Coverage Rates** **Rates for Tobacco slightly higher 8 *After initial enrollment, subsequent enrollments are limited to $5,000 per year up to the plan maximum. See additional policy details on page 17 1 IN CA, NJ and NY, applicants must have major medical insurance to be eligible for critical illness coverage 2 Travel must be 100 or more miles from home

9 CRITICAL ILLNESS INSURANCE Visit and enroll now! 9

10 No Medical Questions for 1st Time Enrollees! Visit and enroll now! 10 INDIVIDUAL SHORT TERM DISABILITY INSURANCE

11 Individual Short Term Disability Insurance *Individual Short-Term Disability Insurance coverage may not be available to colleagues who are covered under another plan. Unum s individual short term disability insurance replaces a portion of your income if you are unable to work due to a covered injury or illness. This coverage can pay a monthly benefit to provide some income during a time of need. Common reasons people use this coverage include injuries, a covered pregnancy, and digestive problems such as gall bladder surgery. Advantages of this plan Coverage is available to eligible employees (to age 64 in CA and NY) who are actively at work *. Coverage of 15% to 50% of your monthly salary, up to 5k maximum, may be offered, depending on your work location and state. The affordable premium is based on your age when you buy the insurance and will not increase as you get older+. Your policy is guaranteed renewable, until age 72, as long as you pay the premiums on time. Your plan includes a Waiver of Premium, included at no extra charge for covered injuries and illnesses. This means you don t have to pay your premiums after 90 days of total disability or the elimination period (whichever is longer). They ll be waived as long as the disability continues, up to the maximum benefit period. You own the policy so you can keep this coverage if you leave the company or retire. Unum will bill you directly for the same premium amount. This plan includes convenient payroll deductions, so you don t have to remember to write a check for your premiums. Coverage becomes effective on the first day of the month in which payroll deductions begin. +Premiums can be changed if we change them on all policies on this kind of in-force policies in the state in which the policy was issued. *Eligible employees must be actively at work to apply for coverage. Being actively at work means on the day the employee applies for coverage, the individual must be working at one of his/her company s business locations; or the individual must be working at a location where he/she is required to represent the company. If applying for coverage on a day that is not a scheduled workday, the employee will be considered actively at work as of his/her last scheduled workday. Employees are not considered actively at work if they are on a leave of absence. See page 17 for additional information 11

12 Personal and Family Legal Coverage* Be fully prepared and confident with LegalGUARD. Nobody likes to be caught off guard, especially when it comes to legal matters. Being a LegalGUARD member saves you time and costly legal fees. But most importantly, it gives you confidence and provides coverage for common legal matters. Enroll Now in the LegalGUARD Plan presented by Nationwide. 20 to 35 Lease Agreement Consumer Dispute Debt Collection Name Change Purchase of Primary Residence 35 to 50 Government Adoptions Will or Codicil Tax Audit Divorce Juvenile Court Proceedings 50 s & Beyond General Power of Attorney Life Insurance Claim Probate of Small Estate Health Care Power of Attorney Sale of Primary Residence By becoming a LegalGUARD member for less than a cup of coffee a day, your family and your wallet have the protection of the LegalGUARD Plan. As a complimentary service included in your LegalGUARD plan, you have access to a personalized concierge service that will match a provider to you in order to save you time. A team of specialists will help you determine where and what type of attorney you need, what dates or deadlines are important, and what preferences you may have in addition to answering questions about your plan benefits. The concierge service will introduce to your provider and follow up with you throughout the life of your case. *See page 18 for additional information Bi-Weekly Premiums* Individual Coverage $6.36 Family Coverage $6.91 *Premium Calculations based on 26 pay periods per year. 12

13 LegalGuard Plan Visit and enroll now! 13

14 Visit and enroll now! 14 GROUP ACCIDENT INSURANCE

15 Group Accident Insurance* (Not available in MN and VT) Unum s accident insurance can pay benefits based on the injury you receive and the treatment you need, emergency room care and related surgery. The benefit can help offset the out-of-pocket expenses that medical insurance does not pay, including deductibles and copays. Family coverage is available. A $50 wellness benefit is included (once per insured per calendar year). *This is a summary of coverage; please review your policy documents for complete plan benefits. See page 18 for additional information. 1 in CA and CT, no ground or air ambulance benefit is payable 2 in KS, no chiropractic benefit is payable 3 In NJ, no lodging benefit is payable 15

16 Additional Benefits Available for Enrollment All Year Long Visit our website at to learn more about these benefits. ID Theft Protection Take Command of Your Identity Once every four seconds, someone becomes a victim of identity theft in America. Every ID Commander subscription includes the core services that are vital to safeguarding your private information. We provide authoritative coverage with a range of proactive monitoring solutions, and send you alerts when any activity is detected. Early detection of suspicious activity is the best defense against identity thieves. ID Commander s comprehensive identity theft protection plans are available to both individuals and families, with complete access to benefits the moment membership begins. The ID Commander Family Protection Plan provides a truly managed household program and empowers individual family members with the tools and data they need to proactively manage the health and well-being of their identities. ID Commander s Protection Plans include: Advanced Identity Monitoring + Alerts Complete Identity Restoration Services Identity Theft Insurance 24/7 Lost Wallet Assistance Computer Protection Software Auto and Home Insurance Program * It pays to shop around for auto and home** insurance coverage. Through a special arrangement with Travelers and MetLife Auto & Home, you have your choice of top-rated insurance providers that may save you money, improve your coverage, or both. *Coverages, discounts, rates and billing options are subject to availability and individual eligibility. ** Home insurance is not part of this benefit offering for MetLife Auto & Home in MA and FL. Home insurance is not currently part of the Travelers new business offering in FL. Not all features available in all areas. Travelers Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT Coverages, discounts, special program rates or savings, billing options, and other features are subject to availability and individual eligibility. Not all features available in all areas The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of The Travelers Indemnity Company in the U.S. and other countries. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify. Met P&C, Met- CasSM, and MetGenSM are licensed in state of Minnesota MetLife Auto & Home. L [exp0816][All States] VPI Pet Insurance Veterinary Pet Insurance (VPI ) provides affordable health coverage that helps you pay the treatment costs for your pet s accidents and illnesses. Plus, you can add wellness coverage to any medical plan for an additional fee and receive cash back for routine exams and treatments your pet gets every year. BenefitHub Discount Marketplace Access over 100,000 name brands at hundreds of your favorite retailers. You ll also find restaurants, gyms, Groupon deals and thousands of other local offers too, as well as tickets to sporting events, concerts, theatres, movies and theme parks. With the buying power of millions of members, we are able to negotiate great discounts and cash back on your everyday purchases helping you stretch your hard-earned dollars. Long-Term Care Long-Term Care Insurance (LTCI) covers a range of personal care services you might need if you cannot care for yourself due to a temporary or permanent illness or injury. Employee Financial Solutions SM Employee Financial Solutions SM from Wells Fargo Home Mortgage is a benefit for employees to manage their finances. Employees and their families can access a range of Wells Fargo programs. This program includes special benefits and educational resources designed to make it easier to manage finances, from banking programs to mortgage payments to student loans. 16

17 Critical Illness Insurance What else is included? Benefits and services to use even when you re healthy! Because, what s more important than staying healthy? With Lincoln Critical Illness coverage, you get benefits and services to use when you re healthy, to help you stay that way. The Critical illness assessment benefit provides you with a cash benefit each year for completing one of 24 3 covered critical illness assessment tests. Tests include electrocardiogram, mammogram, 4 colonoscopy, chest x-ray, stress test, serum cholesterol, blood glucose and many more. 3 In California, 25 tests. 4 In California, a mammogram is provided under a separate benefit. See your benefit summary. How do you file a claim? Filing a claim is easy. Either go to and download a claim form or call toll free (877) Disclaimers In Maryland, Minnesota, New Jersey, New York and Washington, this product is offered as an individual insurance policy. In all other states, this product is offered as a group insurance policy. This plan design is not offered in New York. This product is not available in Vermont. Health advocate services are provided by Health Advocate, Inc. (Plymouth Meeting, PA), the nation s leading healthcare advocacy company. Travel assistance services are provided by FrontierMEDEX, Baltimore, MD. Employee assistance services are provided by Bensinger, DuPont & Associates (BDA), Chicago, IL. These companies are not Lincoln Financial Group companies. Each independent company is solely responsible for its own obligations. Health Advocate does not replace health insurance coverage, provide medical care or recommend treatment. Insurance products (policy series GL51, GL51SG, WIND) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply. Not for use in New York. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations Lincoln National Corporation Individual short term disability insurance This policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for this policy is 50%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. Policy provisions Pre-existing condition limitation if you have a pre-existing condition* within a 12-month period before your coverage effective date, benefits will not be paid for a disability period if it begins during the first 12 months the policy is in-force. *A pre-existing condition is a condition for which symptoms existed (within 12 months before your coverage effective date) that would cause a person to seek treatment from a physician or for which a person was treated or received medical advice from a physician, or took prescribed medicine. The determination on whether your condition qualifies as pre-existing will be based on the date of disability and not the date you notify Unum. Pregnancy Nine months after coverage becomes effective, pregnancy is considered the same as any other covered illness. The available monthly benefits will be paid upon fulfillment of the elimination period. Benefits will not be paid if the insured individual gives birth within nine months after the coverage becomes effective. However, medical complications of pregnancy may be considered as any other covered illness, subject to the pre-existing condition limitation. THIS IS A LIIMITED POLICY. Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, Tennessee In New York, underwritten by: First Unum Life Insurance Company, New York, New York] unum.com 2011 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with state civil union and domestic partner laws when applicable. CU (01-15) 17

18 LegalGUARD Benefits are designed to meet the needs of an employee and their family. There are no deductibles to worry about for covered services. The LegalGuard plan offers convenience of in Network and Out of Network benefits. Many of the below areas are fully covered, unless noted. Examples of Covered Legal Services: Home & Residential: Purchase of Primary Residence, Sale of Primary Residence, Tenant Dispute* Financial & Consumer: Debt Collection Defense: Pre-litigation defense activities, Tax Audit*, Consumer Disputes, Life Insurance Claim*, Auto & Traffic: Administrative Proceeding, Misdemeanor Defense* Family: Uncontested Separation*, Consent/default Divorce*, Uncontested Divorce*, Contested Divorce*, Name Change, Guardianship/ Conservatorship*, Governmental Agency Adoptions*, Stepparent Adoptions*, Juvenile Court Proceedings*, Elder Law* Estate Planning & Wills: Will or Codicil, Living Will, Health Care Power of Attorney, Probate of Small Estate* Free Consultations: Members receive initial consultations with Plan Attorneys covered by their plan; Preparation of Legal Documents: A wide range of legal documents are covered by the plan including deeds*, leases*, dispute correspondence*, Power of Attorney, affidavits and others; Dispute Resolution: Member may have a dispute resolution letter or phone call made by a Plan Attorney to possibly resolve a consumer dispute*; ADDITIONAL BENEFITS: Consultations with financial counselors on: debt management, budgeting, credit problems, family budget prepared; Consultations with certified financial planners on: savings & investments, long-term planning *Some limitations apply Limitations and exclusions apply. This benefit summary is intended only to highlight benefits and should not be relied upon to fully determine coverage. More complete descriptions of benefits and the terms under which they are provided are received upon enrolling in the plan. Benefits cover the attorney s time. Other costs, such as filing fees, are not covered by legal benefits. Group legal plans are administered by LegalEASE or The LegalEASE Group, Houston, Texas. Product available in all states. Underwritten by Nationwide Mutual Insurance Company and affiliated companies in all states except HI, ID, KS, NH, NC, OH, SC, TX, and WY, where underwriting is not required and product is available. Please contact LegalEASE for complete details Nationwide Mutual Insurance Company. All rights reserved. Nationwide is on our side and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. Accident The policy or provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability. IMPORTANT NOTICE THE BASE POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. THIS IS A LIMITED POLICY. Underwritten by: Unum Life Insurance Company of America Portland, Maine unum.com 2011 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with state civil union and domestic partner laws when applicable. CU (01-15) 18

19 Trinity Health Plus Benefits Call Center Quick Reference Guide: To Enroll visit our self-enroll website at or call Select Option One for Enrollment Assistance Option 1: If you need assistance with the self-enroll website or if you have questions about the benefits Option 2: To enroll in Home & Auto Insurance Press 1 for Travelers Press 2 for MetLife Option 3: To enroll in Long Term Care Insurance Option 4: To enroll in Pet Insurance Option 5: To speak to someone about BenefitHub Discount Marketplace After Enrollment Select Option Two for Existing Policyholder Service Option 1: For Billing and Deduction Questions Option 2: For Fidelity or Combined Life Insurance Press 1: For Combined Life Insurance Press 2: For Fidelity Life Insurance Option 3: For Lincoln Financial Group Critical Illness Option 4: For Short Term Disability or Accident Press 1: For Disability or Accident Claims Press 2: For Policy Questions or Changes Option 5: For Legal and ID Theft Press 1: For Legal Press 2: For ID Theft Option 6: For Auto & Home Insurance Press 1: For MetLife Press 2: For Travelers Option 7: For Long Term Care Option 8: For Pet Insurance Option 9: For BenefitHub Discount Marketplace Option 0: For AFLAC or Transamerica Critical Illness Press 1: For Transamerica Critical Illness Press 2: For AFLAC Critical Illness 19

20 Trinity Health Plus Benefits Enroll at your own pace when you are ready All you have to do to enroll in any Trinity Health Plus Benefits plan is visit our self-enroll website to review product information and enroll. Our friendly and helpful counselors are also available at to assist you with enrollment and answer your questions about the plans. The plans are voluntary and you can pay for them through convenient payroll deduction. The Critical Illness, Individual Short-Term Disability Income Protection, Legal Benefit, Accident Insurance and LifeTime Benefit Term plans are available during your two-week enrollment period. ID Theft Protection, Long Term Care Insurance, Auto & Home Insurance, Pet Insurance, BenefitHub Discount Marketplace and Employee Financial Services will continue to be open for enrollment throughout the year. Go to to enroll!