Employees may begin scheduling appointments on Monday, February 13, 2017
Enrollment will be February 20 - March 10, 2017
Welcome to your Special Enrollment
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your benefits
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How to SCHEDULE
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Universal Life Insurance Brochure
Hospital Indemnity FAQ
Critical Illness Insurance Brochure
Accident Insurance Schedule of Benefits
Accident Insurance Brochure
For specific plan information, click the links below:
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Important Telephone Numbers and Websites
Next Steps
Please review this enrollment guide in preparation for your upcoming confidential enrollment meeting. This will be your only opportunity to enroll in these benefits for the 2017 plan year. Be sure to bring your dependent and beneficiary information (Social Security number and date of birth) with you at the designated enrollment time. Enrollment will be held from February 20 - March 10, 2017. You may schedule an appointment to speak with a Benefits Educator by phone. To schedule your appointment, visit http://benefitsplusfmcna.com/ or call 877-901-5424 (Monday - Friday, 8 a.m. - 5 p.m. CDT) beginning Monday, February 13. Once you schedule your telephonic appointment, a Benefits Educator will call you within 15 minutes of your designated appointment time. During your appointment, the Benefits Educator will explain the voluntary benefits available to you and enroll you in the benefits of your choice.
Will there be extensive medical underwriting involved if I elect coverage? No, you can elect coverage up to the guaranteed issue with no medical underwriting. Can I add my spouse if they are not currently covered? Yes, you may add your spouse if they are not currently covered up to the last day of the special enrollment period. After that, you must wait for the next enrollment period. Can I change my address? Yes, you may change your address by calling the appropriate carrier. Can I update my beneficiary? Yes, you may update your beneficiary by calling the appropriate carrier. Can I add my child(ren) if they are not currently covered? Yes, you may add your children if they are not currently covered up to the last day of the special enrollment period. After that, you must wait for the next enrollment period. What if I did not receive my policy? Accident and Critical Illness, Unum is a green company. They mail a letter with instructions on how to download a copy of the policy. Trustmark mails policies for each covered insured. For Hospital Indemnity please contact MetLife: 1-800-GET-MET 8. How do I file a wellness claim under my Critical Illness policy? Contact Unum Customer Service.
Frequently Asked Questions
For appoinment assistance, please dial 877-901-5424 (Monday – Friday, 8:00 AM – 5:00 PM CST).
When and How to Enroll?
Enrollment will be held from February 20 - March 10, 2017. You may schedule an appointment to speak with a Benefits Educator by phone. To schedule your appointment, visit http://benefitsplusfmcna.com/ or call 877-901-5424 (Monday - Friday, 8 a.m. - 5 p.m. CDT) beginning Monday, February 13. Once you schedule your telephonic appointment, a Benefits Educator will call you within 15 minutes of your designated appointment time. Be sure to have your dependent and beneficiary information (Social Security number and date of birth) with you at the time of your appointment. During your appointment, the Benefits Educator will explain the voluntary benefits available to you and enroll you in the benefits of your choice.
When is Coverage Effective?
Universal Life Insurance is effective upon the date of application, pending underwriting approval. Accident and Critical Illness are effective April 1, 2017. Hospital Indemnity Insurance is effective May 1, 2017.
Who Is Eligible?
All benefits-eligible employees scheduled to work at least 30 hours per week are eligible to participate in this special enrollment for employees hired after September 1, 2016. Eligible employees may also enroll their legal spouse, domestic partner, and dependent children and grandchildren. Appropriate proof of domestic partnership must be submitted to FMCNA in order for a domestic partner to be enrolled in coverage. A dependent child may be the natural child, stepchild, legally adopted child, child placed for adoption, or other child for whom the employee has permanent legal custody. Dependent children are covered up to age 26 regardless of marital or student status. Coverage for dependent children ends at the end of the month in which they attain age 26. The exception to this is with Trustmark Universal Life Insurance, which covers dependent children up to age 23. Note: Employees covered under a Collective Bargaining Agreement may not be eligible for this program. To find out if you are eligible for these benefits, call the Employee Service Center at 855-362-6247.
Universal Life Insurance
Hospital Indemnity Insurance
MetLife
Critical Illness Insurance
Accident Insurance
Trustmark
Unum
Voluntary Benefits Available to You
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Fresenius Medical Care North America (FMCNA) is partnering with DirectPath, formerly Enrollment Advisors (EA), and their team of trained, licensed Benefits Educators for this special Enrollment. Enrollment will be held February 20 - March 10, 2017. All meetings with Benefits Educators will be telephonic via DirectPath’s BenefitsPlus Service Center. The resources that DirectPath provides are an opportunity for an organization our size to engage our employees at a personal level. Don’t miss your chance to take advantage of these resources!
Benefits for You and Your Family
Benefits Home
Every ten minutes, over 700 Americans suffer an injury severe enough to seek medical help. – National Safety Council, Injury Facts (2013).
Sickness Hospital Confinement Benefit – This benefit pays the insured employee, spouse or child a daily benefit if he or she is in the hospital for a covered illness. The amount you receive is $100 per day for employees and spouse. Children’s coverage pays 75% of the employee amount. This benefit is available to family members who are covered by the base plan. There is an additional charge for this feature. Please note that the Sickness Hospital Confinement Benefit does have a pre-existing limitation of 12/12. This means that if you were treated for a medical condition 12 months prior to the effective date, it will not be covered unless you are treatment-free for 12 months after the effective date of coverage and are still actively at work for 12 months.
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 or 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.
Chiropractic services include $50 for each visit. You receive three visits per covered accident, per calendar year!
Advantages OF THE PLAN
Additional Coverage Option
Some Covered Expenses Include:
emergency-room treatment outpatient surgery facility doctor office visit hospitalization occupational therapy speech therapy chiropractic visit physical therapy See the schedule of benefits for a full list of covered injuries and expenses.
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.
What is Covered?
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)
Advantages of the plan
Wellness Benefit – this benefit pays $50 per calendar year per insured individual if a covered health screening test is performed, including blood tests, stress tests, colonoscopies, mammograms, chest X-rays. A full list of covered tests will be provided in your certificate. Coverage is available to eligible employees who are actively at work.** You can buy coverage for your spouse ages 17–64 with purchase of employee coverage.1 Benefit amount is from $5,000 to $30,000 in $1,000 increments. All eligible dependent children ages newborn until their 26th birthday, regardless of marital or student status, are automatically covered at 25% of the employee benefit amount at no additional cost. Eligible children are covered for the same conditions as the employee and the following specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. Diagnosis must occur after the child’s coverage effective date. You can use this coverage more than once. If you receive a full benefit payout for a covered illness, your coverage can be continued for the remaining covered conditions. The diagnosis of a new covered illness must occur at least 90 days after the most recent diagnosis. Each condition is payable once per lifetime. You get affordable rates when you buy this coverage through your employer, and the premiums are conveniently deducted from your paycheck. 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.
Please refer to the policy for complete details about these covered conditions.
Every 34 seconds someone in America will have a coronary event. – American Heart Association, “Heart Disease and Stroke Statistics—2013 Update: A Report from the American Heart Association,” Circulation (Jan. 8, 2013).
Universal LifeEvents®: LifeEvents® is designed to match your needs throughout your lifetime. It pays a higher death benefit during working years when expenses are high and your family needs maximum protection. Then, at age 70, when financial needs are typically lower, the death benefit is reduced to one-third. Accelerated Death Benefit: The Accelerated Death Benefit provides 75% of the death benefit when life expectancy is 24 months or less. Optional Benefit - EZ Value Plan: The EZ Value Plan automatically increases coverage to keep pace with increasing needs – without additional underwriting. Coverage is available for employees and spouses through age 60 for an additional premium of $1 per week on each of the first five anniversaries. Coverage is also available through age 65 (age 65 for Universal LifeEvents®) for an additional $1/$2 per week on each of the first five anniversaries.
- Helps provide permanent financial protection - Is a financial tool that helps you manage life at every stage – from supporting a family to sending your children to college - Builds cash value over time that you can access for life’s challenges and life’s opportunities Your coverage is fully portable at the same rate, so you can take it with you if you change jobs or retire. This plan offers family coverage! You may protect your spouse, children up to age 23, and grandchildren up to age 18 with Universal Life Insurance even if you choose not to participate. The Employee Guaranteed Issue offer is the lesser of the defined amount purchased up to $150,000 plus $1 per week for 5 years. The Spouse Guaranteed Issue offer is the lesser of the face amount purchased by $3 per week or $15,000 (age 64 maximum). The Child Guaranteed Issue offer is the face amount purchased by $4 per week (policy only). An employee must apply for coverage on themselves for the dependent to be eligible for Guaranteed Issue (GI). Dependent EZ Value is not included in the GI Offer.
Hospital Coverage for Accidents
Other Benefits
Hospital Coverage for Sickness
Your child gets hurt on the school playground You experience chest pains while exercising and are admitted to the hospital to be checked and monitored Your spouse undergoes an emergency appendectomy
$50 per day lodging benefit (for accompanying companion’s lodging more than 50 miles from the insured’s primary residence during insured’s hospitalization)
$1,000 hospital admission benefit (non-ICU or ICU admission) $100 per day hospital confinement benefit (non-ICU or ICU admission)
$1,000 hospital admission benefit (non-ICU or ICU admission) $100 per day hospital confinement benefit (non-ICU or ICU admission) $200 per day inpatient rehabilitation unit benefit
Guaranteed acceptance – For you and your eligible family members, as long as you are actively at work. That means no medical exams and no hassle. Payroll deduction – Automatic payroll deduction makes it convenient. Employee rates make it less expensive. Payments - Made directly to you to use as you see fit. Portable – Take it with you if your employment status changes.
With an average cost of $10,000 per hospital stay in the U.S.,1 it’s easy to see why having Hospital Indemnity Insurance may make good financial sense. Just think about the possibility of having a hospital stay due to an accident or illness:
