Welcome to your 2018 Benefits Enrollment
Beginning November 7, complete your online enrollment using the DirectPath Bswift System by following the instructions below. Detailed instructions are located on your DirectPath Bswift System homepage in the News and Library section on the right side of the page. All eligible employees are required to complete the enrollment process to confirm, change, or waive insurance coverage.
Employees may begin scheduling appointments on October 10th by clicking the button below
2017 Benefits Enrollment
Benefits For You and Your Family
Welcome to Your
For appoinment assistance, please dial 877-901-5424 (Monday – Friday, 8:00 AM – 5:00 PM CST).
Click here to learn about the Voluntary Benefits available to you
your benefits
Click here for instructions on how to schedule your appointment
How to SCHEDULE
Book Your Appointment
Employees may begin scheduling appointments on Monday, October 29th
Benefits Enrollment will be November 7-30, 2018
Welcome to your 2021 Benefits Enrollment
1 Benefit Details 2 Medical Insurance 3 Health Savings Account 4 Flexible Spending Account 5 Dental Insurance 6 Vision Insurance 7 Disability Insurance 8 Life Insurance 9 Group Critical Illness Insurance 10 Group Accident Insurance 11 Health Care Transparency Service 12 Life Assistance Program 13 Resources 14 Next Steps
Haga clic aquí para ver las instrucciones en español
Trouble scheduling your appointment? Click here for a detailed instruction sheet
(prior to and during open enrollment)
8:00 AM – 5:00 PM CST Monday – Friday
If you need assistance with scheduling an appointment, please dial: 855-687-2164
Table of Contents
Who Is Eligible?
When Is My Coverage Effective?
The effective date of your benefits elections is January 1, 2021. Please read the enclosed information carefully and consider each product offering. This benefits program will allow you to protect your income, health and family in times of need.
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 30 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.
How to Enroll?
All full-time employees working 30 or more hours per week are eligible to participate in the Partner Industrial benefits program. Eligible employees may also enroll their legal spouse, domestic partner and/or dependent children. A dependent child may be the natural child, stepchild, legally adopted child, foster child or other child for whom the employee has permanent legal custody. If you have specific questions about your work hours and eligibility, please contact your HR department.
Open enrollment will be conducted November 7-30, 2020. This year we are pleased to announce we will have Benefits Educators with DirectPath, LLC available either onsite or through the DirectPath Benefits Service Center during open enrollment to speak one-on-one with each eligible employee. This will be your only opportunity to enroll in the benefits program for the 2021 plan year. Beginning October 29, 2020, you may schedule your appointment online or by telephone. To schedule your enrollment appointment, click here. If you need assistance or do not have internet access, please contact the DirectPath Benefits Service Center at 1-877-437-5041 Monday through Friday, 8am -5pm CST. If you schedule an onsite appointment, you will meet with the Benefits Educator face-to-face during your designated appointment time. If you schedule a phone appointment, a Benefits Educator will call you within 15 minutes of your selected appointment time.
Trovato is pleased to announce your 2021 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. All benefits-eligible employees are required to meet with a Benefits Educator to guarantee, waive or change benefits for 2021. These are trained, non-commissioned Benefits Educators who will answer questions about the benefits program and help you enroll in your benefits for 2021. They are trained to respect confidentiality and will not disclose any of your confidential information.
Benefit
Details
When you enroll in one of the medical plans, you automatically receive prescription drug coverage through Cigna. Copayment amounts vary depending on the prescription drug tier – generic, preferred brand or non-preferred brand.
Semi-Monthly Rates
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
You may elect coverage with the Open Access Plus Plan, Open Access Plus In-Network Plan, or Open Access Plus HDHP Plan with for the 2021 plan year. Scroll over the icons for the 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.
Funds contributed to an HSA are triple-tax-advantaged. 1. Money goes in tax-free. Most employers offer a payroll deduction through a Section 125 Cafeteria Plan, allowing you to make contributions to your HSA on a pre-tax basis. The contribution is deposited into your HSA prior to taxes being applied to your paycheck, making your savings immediate. You can also contribute to your HSA post-tax and recognize the same tax savings by claiming the deduction when filing your annual taxes. 2. Money comes out tax-free. Eligible healthcare purchases can be made tax-free when you use your HSA. Purchases can be made directly from your HSA account, either by using your benefits debit card, ACH, online bill-pay, or check – or, you can pay out-of-pocket and then reimburse yourself from your HSA. 3. Earn interest, tax-free. The interest on HSA funds grows on a tax-free basis. And, unlike most savings accounts, interest earned on an HSA is not considered taxable income when the funds are used for eligible medical expenses.
Why should I participate in an HSA?
Health plan co-pays, deductibles, co-insurance, vision, dental care, and certain medical supplies are covered. The IRS provides specific guidance regarding eligible expenses. (See IRS Publication 502).
What expenses are eligible for reimbursement?
In order to contribute, you must be enrolled in a qualified HDHP, not covered under a secondary health insurance plan, not enrolled in Medicare, and not another person’s dependent. There are no eligibility requirements to spend previously-contributed HSA funds.
Am I Eligible to Participate?
A HDHP is a health insurance plan with deductible amounts that are greater than $1,375 for individual or $2,750 for family coverage and have an out-of-pocket maximum that does not exceed $7,500 for individual or $15,000 for family coverage.
What Is A High-Deductible Health Plan?
Payroll deduction is most likely offered by your employer. Your annual contribution will be divided into equal amounts and deducted from your payroll before taxes. Direct contributions can also be made from your personal checking account and can be deducted on your personal income tax return.
How Do I Contribute Money to My HSA?
Yes. You will not be subject to the change-in-status rules applicable to other benefit accounts. You will be able to make changes in your contributions by providing the applicable notice of change provided by your employer.
Can I Change My Contributions To My HSA During The Year?
Contributions can be made by the eligible employee, their employer, or any other individual. Annual contributions from all sources may not exceed $4,250 for singles or $7,500 for families in 2021. Individuals aged 55 and over may make an additional $1,000 catch-up contributions.
How Much Can I Contribute To My HSA?
No. HSA money is yours to keep. Unlike a flexible spending account (FSA), unused money in your HSA isn’t forfeited at the end of the year; it continues to grow, tax-deferred.
Do I Have To Spend All My Contributions By The End Of The Plan Year?
HSAs are portable and move with you if you change employment. Your HSA belongs to you, not your employer, just like your personal checking account.
What Happens If My Employment Is Terminated?
Your HSA is similar to a checking account. You are responsible for ensuring the money is spent on qualified purchases only and maintaining records to withstand IRS scrutiny. Payments can be made via check, ACH, online bill-pay, or debit card, depending on what is available to you.
How Do I Access Funds In My HSA?
Click here for your HSA Employee Brochure
For more information about these questions, click here!
Health Savings Account
Click the buttons below for more information
10. How do I access the funds in my HSA?
9. What happens if my employment is terminated?
8. Do I have to spend all my contributions by the end of the plan year?
7. How much can I contribute to my HSA?
6. Can I change my contributions to my HSA during the year?
5. How do I contribute money to my HSA?
4. What is a high-deductible health plan?
3. Am I eligible to participate?
2. What expenses are eligible for reimbursement?
1. Why should I participate in an HSA?
An HSA is a tax-advantaged personal savings account that can be used to pay for medical, dental, vision and other qualified expenses now or later in life. To contribute to an HSA, you must be enrolled in a qualified high-deductible health plan (HDHP) and your contributions are limited annually. The funds can even be invested, making it a great addition to your retirement portfolio. Click the questions below for more information.
Flexible Spending Account
A flexible spending account (FSA) is an account you establish to pay for health and dependent care expenses with pre-tax dollars.
• You choose a specific pretax contribution amount for 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. If you do not use the full amount in your FSA, you will lose any remaining funds. • You have until April 15, 2021, to request reimbursement for healthcare expenditures incurred between January 1, 2020, through March 15, 2020. • Once you enroll in the FSA, you cannot change your contribution amount during the year unless you experience a qualifying life event. • You cannot transfer funds from one FSA to another. • You must make a minimum FSA contribution of $250 per year.
How An FSA Works
The healthcare flexible spending account may be used for any health, dental, vision, prescription, and some over-the-counter expenses. These expenses include deductibles, copays, coinsurance, dental services, eyeglasses, contact lenses, Lasik eye surgery, orthodontics for adults and children, hearing aids, chiropractor, some diabetic supplies, medical equipment, and other out-of-pocket costs not covered by our health, dental, or vision plan. The maximum annual contribution limit is $2,750. Employees will have access to their full healthcare FSA contribution on the first day of the plan year.
Healthcare Flexible Spending Account
Click here for your Dependent Care FSA Flyer
Use tax-free payroll deductions to pay for child or adult dependent daycare. The BESTflex Plan Dependent Care Flexible Spending Account (FSA) is an IRS-approved, tax-free benefit plan that pays for daycare expenses incurred for your eligible dependents. You decide the amount per paycheck your employer deposits into this account and that amount is deducted from your annual taxable income. You submit claims for daycare expenses to Employee Benefits Corporation and, once you’ve received the service, we reimburse you using the funds you’ve placed in your Dependent Care FSA. Some Considerations You must work and your spouse, if you are married, must work, be a full-time student or be looking for work for you to participate in the Dependent Care FSA. If you file taxes as “Single” or “Married, filing jointly,” you can make a maximum election of $5,000; if filing taxes as “Married, filing separately,” the maximum election amount is $2,500. The Dependent Care FSA can only reimburse you up to the amount available in your account when you submit your claim. Putting it another way, your current balance is the maximum reimbursement you can receive.
Dependent Care Flexible Spending Account
You can submit claims and attach documentation online by logging into your account at www.ebcflex. com. If you have an Android smartphone or Apple iPhone, you can download “My Mobile Account Assistant.” It lets you view your account balance, submit claims and attach documentation. Download it from GooglePlay or the Apple App Store. Claims for daycare expenses can only be submitted to us up to 8 weeks in advance. However, you are not reimbursed until after the last day of service listed on your claim. For example, if you date-span your request to encompass 8 weeks, your payment will not be issued until the last day of the eighth week. To be reimbursed as often as possible, one solution would be to file each week as a separate line item.
Filing Claims and Reimbursement
• Care for a sick child enabling parents to work • Care for a child incapable of self-care • Elder Care • Child care by a relative that isn’t a dependent • Babysitter that is not a dependent or spouse • Nanny fees • Au Pair • Nursery school and pre-school • Before and after school care • Day camp (not overnight) • Field trips • FICA taxes paid to a daycare provider
A. Charges for daycare services outside your home for a “qualifying child” who is under the age of 13 and who depends on you (and your spouse, if you are married) for at least half of his/her support, does not have his/her own dependents, and is not a “qualifying child” of any other taxpayer during the year B. Charges for care outside of your home for your spouse, dependent adult or child who is mentally or physically incapable of caring for himself or herself and has the same principal place of abode; the spouse or dependent must spend at least 8 hours of each day in your house C. You may be reimbursed for expenses to provide care to the individual(s) described above in your home if the services are, at least in part, so you (and your spouse, if you are married) may work; the expenses include wages paid to the service provider, but not expenses such as food or clothing In the case of divorce, legal separation or parents living apart, special rules apply. In general, the custodial parent is the one with whom the child has resided with for the longest period of time or with whom the child has spent the most evenings during the year. The following partial list of services are examples only and must comply with the rules listed above in order to be eligible for reimbursement.
Eligible Expenses
Click here for FSA Benefits Card Features
Ineligible Services • Schooling (nursery school and preschool are generally not schooling; kindergarten, however is considered schooling and is ineligible) • Overnight camps • Health care expenses • Services provided by a person whom you or your spouse could claim as a deduction on your tax return or any of your children who are under age 19 • Meals, supplies and materials Runout Period While all expenses must be incurred during the plan year, you have a 3-month period after the plan year ends to request reimbursement for those expenses. Please review My Company Plan to verify the number of days available for you to submit claims under your company’s BESTflex Plan. Making Changes The Dependent Care FSA allows you to make corresponding election changes for increases or decreases in fees you pay for services unless the provider is a relative either by blood or marriage. There are other Qualifying Events that allow you to make changes to the Dependent Care FSA.
Additional Information
How an FSA Works
Dental Overview
Dental Rates
Dental Insurance
92% of adults ages 20-64 have had dental cavities. Partner Industrial offers dental coverage through Cigna.
Make sure you invest in a plan that is designed to provide you and your family with coverage for items such as cleanings, fillings, crowns and other related dental services. Click the icons below for a brief description of the plan available to you.
*This is a brief outline of the plan. Please refer to the summary plan description for complete details. **Benefit frequency is every 12 months. Your frequency period begins on January 1 (calendar year basis).
Vision Insurance
All the more reason to have vision coverage for you and your family.
Trovato is pleased to offer a vision plan for their employees. This comprehensive vision plan is designed to promote optimum eye health for you and your family. Receiving your vision benefit is as easy as visiting a network provider. To locate participating providers, log in to the network provider's website. The chart below is a brief summary of your vision plan. Please refer to the Summary Plan Descriptions for complete plan details.
of all visual impairment can be prevented or cured.
80%
Vision Overview
Vision Rates
Regular employees
If you suddenly didn’t receive a paycheck, how would you pay your bills? The unexpected could happen at anytime.
Disability
Insurance
Click here to watch a short video about this benefit
Trovato provides the option of short-term income protection in the event you become unable to work due to a non-work related illness or injury. This short-term disability plan pays a percentage of your weekly base salary up to the specified maximum. You must fulfill the 7-day elimination period in order to receive disability benefits. Please see the summary plan description for complete plan details.
Short-Term Disability Insurance
Trovato also provides the option of long-term disability coverage. If you have an illness or injury that lasts longer than 90 days, this plan replaces 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. LTD insurance does have limitations in the event of a pre-existing condition. This means that if you received medical treatment, consultation, services or care in the 3 months prior to the effective date of coverage, it will not be covered. This also applies if disability begins in the first 12 months after the effective date of coverage.
Long-Term Disability Insurance
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 purchase additional Voluntary Life insurance to meet your personal family needs. Protecting your family’s future is of the utmost importance, and this plan provides an excellent opportunity to purchase affordable Supplemental Life insurance at a low group rate. You pay the total cost of this benefit through convenient payroll deductions.
Voluntary Life and AD&D Insurance
Trovato provides you with 1x earnings with a max of $300,000 of Basic Life and AD&D insurance. 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.
Death is not the most popular topic, but it’s inevitable for us all. Preparing for that day is our responsibility.
Click below for:
Group Critical Illness Flyer
Group 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
Could your bank account survive a serious illness?
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?
• Coverage is available to eligible employees who are actively at work • You can buy coverage for your spouse ages 17 to 64 with purchase of employee coverage. 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.
Advantages of the Plan
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?
Accident Insurance can pay benefits based on the injury you receive and the treatment you need, including 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 co-pays. Family coverage is available.
Covered injuries: • Broken bones • Burns • Torn ligaments • Cuts repaired by stitches • Coma due to a covered injury • Eye injuries • Ruptured discs • Concussion Some covered expenses include: • Emergency-room treatment • Outpatient surgery facility visits • Doctor office visit • Hospitalization • Occupational therapy • Speech therapy • Chiropractic visit • Physical therapy
Schedule of Benefits
Accident Flyer
• 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 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.
See the schedule of benefits for a full list of covered injuries and expenses.
Group Accident
Click here for your Transparency New Member Flyer!
Health Care Transparency
Click here for your Transparency Guide!
You have a health care advocate for that!
Call 888-875-1929 Monday - Friday 8AM - 5PM CT
DirectPath Advocates can help you navigate the health care system with medical, dental, and vision benefits, as well as FSA and HSA participation. Your Advocate becomes your first point of contact for all benefit-related questions and will educate you on the benefit programs offered through your employer to help you understand the programs best suited for you and your family!
Your DirectPath advocate can: • Answer questions about your benefits • Resolve claims and billing issues • Assist with referrals and prior authorization • Compare pricing for an upcoming procedure • Confirm network status for a doctor or hospital
Life. Just when you think you’ve got it figured out, along comes a challenge.
Employee Assistance Program – 24/7 support 800.237.4890 www.trovatoeap.com
Whether your needs are big or small, your Life Assistance & Work/Life Support Program is there for you. It can help you and your family find solutions and restore your peace of mind.
Call us anytime, any day. We’re just a phone call away whenever you need us. At no extra cost to you. An advocate can help you assess your needs and develop a solution. He or she can also direct you to community resources and online tools. Visit a specialist. You have three face-to-face sessions with a behavioral counselor available to you - and your household members. Call us to request a referral. Reward yourself. Access our discount program. You can get discounts on health and wellness products and services. Achieve work/life balance. If you’d like help handling life’s demands, call us for extra support. We can refer you to a service in your community. Or provide guidance on topics such as: - Legal consultation. Receive a free 30- minute consultation. And up to a 25% discount on select fees. - Parenting. Get guidance on child development, sibling rivalry, separation anxiety and much more. - Senior care. Learn how to solve the challenges of caring for an aging loved one. - Child care. Whether you need care all day or just after school, find a place that’s right for your family. - Pet care. From grooming to boarding to veterinary services, find what you need to care for your pet. - Financial Services & Referral. Receive a free 30-minute consultation and 25% discount on select fees with network providers.
Employee Assistance
Program
Click here to view your benefits guide
For specific plan information, click the links below.
SBC PPO 2017
SBC HDHP 2017
SBC EPO 2017
DPPO Dental SBC
Legal Notices
Contact a DirectPath Advocate for assistance answering all benefits plan coverage and your benefits questions. Phone Number: 888-875-1929 Website: advocate@directpathhealth.com
PPO Vision SBC
resources
Important
Click here to schedule your enrollment appointment online
Next Steps
This guide describes the benefit plans available to you as an employee of Travato. The details of these plans are contained in the official plan and policy documents, including some insurance contracts. This guide is meant only to cover the major points of each plan or policy. Partner Industrial 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 guide and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern.
• You are required to meet with a Benefits Educator to guarantee, waive, or change your benefits for the 2021 plan year. • Beginning October 29, you may schedule your appointment by clicking below or by calling 1-877-901-5424 Monday through Friday, 8am -5pm CST. • Have your dependent and beneficiary information (Social Security Number & Date of Birth) available during your designated meeting time. • Carefully read the material provided in this Benefits Site and have it accessible during your upcoming confidential enrollment meeting. • Following your appointment, review your elected benefits on your confirmation statement or by logging on to [insert ben admin system access information].