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1 Benefit Details 2 Medical Insurance 3 Dental Insurance 4 Vision Insurance 5 Flexible Spending Account 6 Life Insurance 7 Disability Insurance 8 Critical Illness Insurance 9 Hospital Indemnity Insurance 10 Resources & Contacts 11 What's Next?
Table of Contents
Distribution International is pleased to announce your 2017 employee benefits program, which is designed to help you stay healthy, feel secure, and maintain a work/life balance. Offering a competitive benefits package is just one way we strive to provide our employees with a rewarding workplace. Please read the information provided on this site carefully.
Employees may begin scheduling appointments on November 21st by clicking the button below
Your benefits enrollment will be November 30th - December 9th, 2016
2017 Benefits Enrollment
Benefits For You and Your Family
Welcome to Your
Who Is Eligible?
When Is My Coverage Effective?
The effective date of your benefit elections is the first of the month following 30 days of employment.
Changing Coverage During The Year
For most of these benefits, you may change your coverage during the year only when you experience a qualifying event, such as marriage, divorce, birth, death, adoption, placement for adoption or loss of coverage. You have 31 days to report the change to your HR Department. The change must also be consistent with the event. For example, if your dependent child no longer meets eligibility requirements, you can drop coverage only for that dependent. You can also submit your Life Event request online at www.dibenefits.bswift.com.
How to Enroll?
All full-time employees working 30 or more hours per week are eligible to participate in the Distribution International benefits program. Eligible employees may also enroll their legal spouse and/or dependent children. A dependent child may be the natural child, stepchild, legally adopted child, foster child or other child under the age of 26 for whom the employee has permanent legal custody. If you have specific questions about your work hours and eligibility, please contact your HR department.
We will have Benefits Educators with DirectPath, LLC available through the DirectPath Benefits Service Center to speak one-on-one with each eligible employee. This will be your only opportunity to enroll in the benefits program for the plan year. You may schedule your appointment on this site or by telephone. If you need assistance or do not have internet access, please contact the DirectPath Benefits Service Center at 855-687-2164 (Monday – Friday, 8:00 AM – 5:00 PM CST).
All benefits-eligible employees are required to meet with a Benefits Educator to enroll in benefits for the plan year. These are trained, non-commissioned Benefits Educators who will answer questions about the benefits program and help you enroll in your benefits for the plan year. They are trained to respect confidentiality and will not disclose any of your confidential information. Please read the information in this site carefully and consider each product offering. The benefits program will allow you to protect your income, health and family in times of need.
Benefit
Details
When you enroll in one of the medical plans, you automatically receive prescription drug coverage. Copayment amounts vary depending on the prescription drug tier – generic or brand.
Bi-Weekly Rates
*This is a brief outline of the plan. Please refer to the summary plan description for complete details.
• Routine Physical Exams • Immunizations • Routine Mammograms and Pap Test • Routine PSA Test and Prostate Exams • Routine Colonoscopy • Routine Hearing and Eye Exams • And more!
Preventative care is covered 100% under all medical plan options! This includes…
Medical Rates
Prescription Overview
Medical Overview
To access a listing of providers in the UHC Choice Plus Network, logon to www.umr.com.
Through UMR, you have 3 medical plan options to choose from for the plan year. Scroll over the icons for the in-network medical benefits overview and rate information.
Your health-related needs and considerations are unique to you and your family.
Medical Insurance
Many employees don't understand what their medical insurance covers.
We’re here to help you understand your benefits and make the best choices for you and your family. See the details below.
You may locate an in-network dentist online at www.metlife.com/mybenefits or call 1-800-GET-MET8.
Dental Overview
Dental Rates
Dental Insurance
Dental benefits provide you and your family with comprehensive coverage to keep your smile shining bright!
Your dental benefits are provided through MetLife. Both plans allow you the freedom to select any dentist, but you pay less out of pocket when you choose an in-network provider. Click the icons below to see the details for each plan’s in-network benefits below.
You may locate an in-network vision provider online at www.mymetlifevision.com or call 1-800-MET-EYE1.
*This is a brief outline of the plan. Please refer to the summary plan description for complete details. Waiting periods may apply.
Vision Insurance
All the more reason to have vision coverage for you and your family.
Distribution International offers a comprehensive package of vision benefits designed to promote good eye health through MetLife. Receiving your vision benefit is as easy as visiting a network provider. Click the icons below to view the plan’s in-network benefits and rates.
of all visual impairment can be prevented or cured.
80%
Vision Overview
Vision Rates
Flexible Spending Account
To access your funds, you will be issued a debit card from UMR. UMR may at times require you to substantiate your purchases, so keep your receipts!
A flexible spending account (FSA) is an account you establish to pay for health and dependent care expenses with pre-tax dollars.
• Choose a specific amount of money to contribute each pay period, pre-tax, to one or both accounts during the year. • The amount is automatically deducted from your pay at the same level each pay period. • As you incur eligible expenses, you may use your flexible spending debit card to pay at the point of service or submit the appropriate paperwork to be reimbursed by the plan. Important Rules to Keep In Mind: • The IRS has a strict “use it or lose it” rule. You will forfeit any funds left over after the end of the 2 1/2 month grace period. You have until March 15th to incur claims and use the monies from the previous year. • Once you enroll in the FSA, you cannot change your contribution amount during the year unless you experience a qualifying event. • You cannot transfer funds from one FSA to another.
How An FSA Works
• The IRS has a strict “use it or lose it” rule. You will forfeit any funds left over after the end of the 2 1/2 month grace period. You have until March 15th to incur claims and use the monies from the previous year. • Once you enroll in the FSA, you cannot change your contribution amount during the year unless you experience a qualifying event. • You cannot transfer funds from one FSA to another.
Important Rules to Keep In Mind
You may contribute up to $2,600 per plan year in the Health Care FSA, allowing for certain IRS-approved health expenses not covered by an insurance plan. These expenses include copays, deductibles, coinsurance, hearing aids and contact lenses. For a complete listing of eligible expenses, please see Human Resources or review IRS Publication 502 available online at www.irs.gov. Please Note: Health Care FSA funds can be used on yourself or eligible dependents.
Health Care FSA
FSA Example
You may contribute up to $5,000 pre-tax to this account. The dependent care account may be used to pay for dependent care expenses for dependents up to age 13 or elderly dependents. Qualifying expenses include day care fees, before-school and after-school care and summer day camp. If you are married, your spouse must either be employed or a full-time student in order to use a dependent care flexible spending account. Under IRS guidelines, you can only be reimbursed for dependent care that has already taken place. Also, you can only be reimbursed for the amount you have already contributed to your dependent care FSA. For a complete listing of eligible expenses, please see Human Resources or review IRS Publication 503 available online at www.irs.gov.
Dependent Care FSA
Click the buttons below for more information
How an FSA Works
Click here to watch a short video about this benefit
To select your benefit amount and calculate your premiums, do the following: 1) Locate the benefit amount you want to select from the top row of the employee premium table. Your benefit amount must be in an increment of $10,000 (ex. $10,000, $20,000, or $50,000). Refer to the Coverage Guidelines section for minimums and maximums, if needed. 2) Find your age bracket in the far left column 3) Your premium amount is found in the box where the row (your age) and the column (benefit amount) intersect. 4) Enter the benefit and premium amounts into their perspective areas in the Voluntary Life and AD&D section of your enrollment form. If the benefit amount you want to select is greater than $100,000. Select the benefit amount from the top row that when multiplied by another number results in the benefit amount you want to select. For example, if you want $150,000 in coverage, you obtain your premium by multiplying the rate for $50,000 times 3.
Click Here to view your rates!
A fundamental element of any benefits package is life insurance which is designed to protect you and your loved ones from financial hardships related to an untimely death. NMHS provides you with $250,000 of Basic Life Insurance. This benefit is provided to you at no cost. When you are age 70 or older, your Basic Life Insurance benefit will reduce to 50% of the benefit at age 70. Spouses and dependents will receive $10,000 of coverage.
Basic Life for Physicians
A fundamental element of any benefits package is life insurance which is designed to protect you and your loved ones from financial hardships related to an untimely death. NMHS provides you with 1 times your annual compensation rounded to the next higher $1,000 up to $50,000 of Basic Life Insurance. This benefit is provided to you at no cost. When you are age 70 or older, your Basic Life Insurance benefit will reduce to 50% of the benefit at age 70. Spouses and dependents will receive $10,000 of coverage.
Basic Life for All Other Employees
Life Insurance
You may also purchase additional voluntary life insurance through Mutual of Omaha to meet your personal family’s needs. Protecting your family’s future is of the utmost importance, and this plan provides an excellent opportunity to purchase affordable coverage at a low group rate. You pay the total cost of this benefit through convenient payroll deductions. Please review the plan overview below.
Voluntary Life and AD&D Insurance
*This is a brief outline of the plan. Please refer to the summary plan description for complete details. Waiting periods may apply. ** Voluntary Life guaranteed issue amounts only apply to new hire employees electing coverage within their original eligibility period.
Distribution International provides you with a Basic Life and AD&D benefit equal to 1X your Annual Salary to a max of $100,000. This benefit is provided to you at no cost.
Basic Life and AD&D Insurance
One way is through providing financially for our loved ones. Life insurance offers that gift.
Distribution International provides Basic and Voluntary Life Insurance through Mutual of Omaha to all benefits-eligible employees.
Death is not the most popular topic, but it’s inevitable for us all. Preparing for that day is our responsibility.
Regular employees
If you suddenly didn’t receive a paycheck, how would you pay your bills? The unexpected could happen at anytime.
Disability
Insurance
Company Paid LTD Overview
Distribution International provides short-term disability insurance at no cost to you after 2 years of continuous employment. All employees have the option to elect a voluntary short-term disability plan until they have satisfied the 2 years of employment. Please review the plan overviews listed below.
Voluntary STD Overview (available to all benefits-eligible employees)*
Company-paid STD Overview (available to employees after 2 years of continuous employment)*
Short-Term Disability Insurance
Distribution International also provides long-term disability coverage at no cost to you after you have satisfied your waiting period. If you have an illness or injury that lasts longer than 90 days, this plan replaces 60% of your base monthly pay, up to a monthly maximum of $5,000. It can help you pay your bills and protect your finances at a time when you have extra medical costs but don’t get a paycheck. Please review the plan overview below.
Long-Term Disability Insurance
Need more information? Watch this video!
Critical Illness
Please complete this form and submit to the Cuyahoga County Benefits-HR Department by November 30th. Scan and email to benefits email address: Benefits@CuyahogaCounty.us or mail to: Cuyahoga County HR/Benefits 7-200 2079 East Ninth Street Cleveland, Ohio 44115
• Premiums are paid through convenient payroll deduction. • The coverage is portable, so you may take it with you if you leave your employer (with certain stipulations).
Who Is Covered?
Additional Features
• Employee • Employee’s spouse • Employee’s dependent children under age 26, regardless of student or marital status
Click here for a detailed informational flyer.
Could your bank account survive a serious illness?
WELLNESS BENEFIT! Receive $50 per calendar year per insured individual if a covered health screening test is performed, including blood tests, stress tests, colonoscopies, mammogram, or X-rays. A full list of covered tests will be provided in your certificate.
Covered conditions: • Heart attack • Blindness • Major organ failure • End-stage renal (kidney) failure • Occupational HIV • Coronary artery bypass surgery (pays 25% of lump- sum benefit) • Benign brain tumor Covered conditions with time limitations: • Stroke (evidence of persistent neurological deficits confirmed at least 30 days after the event) • Coma (resulting from severe injury lasting 14 consecutive days or more) • Permanent paralysis (complete and permanent loss of the use of two or more limbs for a continuous 90 days as a result of a covered accident) You may choose to select this benefit for an additional premium: • Cancer • Carcinoma in situ* (pays 25% of the lump-sum benefit)
What Is Covered?
• Family coverage available • Affordable rates through convenient payroll deduction (Your Benefits Educator will provide you your rates.) • Coverage is portable. You may take the coverage with you if you leave the company or retire, without having to answer new health questions.
Advantages of the Plan
Unum’s Group Critical Illness Insurance can help protect your finances from the expense of a serious health problem, such as a stroke or heart attack. Cancer coverage is also available. You choose a lump-sum benefit up to $50,000 that’s paid directly to you at the first diagnosis of a covered condition. You can use the benefit any way you choose.
Please refer to the policy for complete details about these covered conditions.
Would a trip to the hospital leave your finances in serious condition?
• $1,000 each covered hospital admission once per year • $100 each day of your covered hospital stay, up to 15 days once per year • $200 each day you spend in intensive care, up to 15 days once per year
You may receive a benefit for the following:
Unum’s Group Hospital Indemnity Insurance can complement your health insurance to help you pay for the costs associated with a hospital stay. It can also provide funds for the out-of-pocket expenses your medical plan may not cover, such as coinsurance, copays and deductibles. How does it work? This insurance pays a benefit when you are admitted* to the hospital for a covered accident or sickness. *Covered individuals must be hospitalized for at least 20 hours.
• Coverage is available to all eligible employees who are actively at work.* • You can buy coverage for your spouse and dependent children. • No health questions to answer. If you apply, you automatically receive the base plan. • This plan includes convenient payroll deduction, so you don’t have to remember to write a check for your premiums. • Coverage is portable. You may take the coverage with you if you leave the company or retire without having to answer new health questions. Unum will bill you directly. • Coverage becomes effective on the first day of the month in which payroll deductions begin. • Benefits are paid for accidents that occur on and off the job. • A Catastrophic Benefit is included with this plan. This pays an additional sum if a covered individual has a serious injury — such as loss of sight, hearing or a limb. Benefit amounts reduce after age 65.
• You can buy coverage for your spouse and dependent children. • Affordable rates through convenient payroll deduction (Your Benefits Educator will provide you your rates.) • Coverage is portable. You may take the coverage with you if you leave the company or retire, without having to answer new health questions.
Hospital Indemnity
Click here to view your benefits guide
your benefits
For any other enrollment questions, please call Lisa Morris at (713) 428-3927.
For specific plan information, click the links below.
resources & Contacts
Important
Flexible Spending Account Info
Whole Life Insurance Flyer
Accident Insurance Flyer
Critical Illness Insurance Flyer
Dental & Vision Plan Details
Medical Plan Details
Short-Term Disability Plan Highlights
Basic & Voluntary Life Insurance Highlights
What's Next?
REMEMBER! All employees are REQUIRED to speak with a Benefits Educator to enroll in benefits for the plan year.
Disclaimer: This site describes the benefit plans available to you as an employee of Distribution International. The details of these plans are contained in the official plan and policy documents, including some insurance contracts. This content is meant only to cover the major points of each plan or policy. Distribution International reserves the right to amend, modify, or terminate any benefit plan and/or cancel or modify any contributions, plan design, benefits provision or plan without prior notification. If there is a conflict between the information in this content and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern.
• After reviewing your benefits information carefully, book your appointment below! • Have your dependent & beneficiary information (SSN & DOB) available during your appointment. • Following your appointment, review your elected benefits on your emailed confirmation statement or by logging on to: www.dibenefits.bswift.com (your credentials are available on the log-in screen).