2016 Benefits - Emory Healthcare ?· Additional Benefits Short-Term & Long-Term Disability ... like…

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<ul><li><p>2016 BenefitsENROLLMENT GUIDE</p></li><li><p>Whats InsideBenefits Enrollment 2016</p><p>Your Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1</p><p>Benefits Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2</p><p>How to Enroll . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3</p><p>Change In Your Coverage Mid-Year . . . . . . . . . . . . . . . . . . . 4</p><p>Health Benefits</p><p>Medical Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5</p><p>- Plan 1: HSA Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6</p><p>- Plan 2: POS Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9</p><p>- Medical Plan Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10</p><p>- Medical Plan Comparison Quick Guide . . . . . . . . . . . . . . 11</p><p>- Wellness Incentives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12</p><p>Flexible Spending Accounts . . . . . . . . . . . . . . . . . . . . . . . . . 13</p><p>Dental Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14</p><p>Vision Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15</p><p>Additional Benefits</p><p>Short-Term &amp; Long-Term Disability . . . . . . . . . . . . . . . . . . . 16</p><p>Life and Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . . 17</p><p>Long-Term Care, Home &amp; Auto, Aflac and Prepaid Legal . . . . . . . . . . . . . . . . . . . . . . . . . . 18</p><p>403(b) Retirement Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19</p><p>Comprehensive Leave/Paid Time Off (PTO) . . . . . . . . . . . . 24</p><p>Extended Illness Leave . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25</p><p>Employee Education Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . 26</p><p>Additional Resources</p><p>More Medical Plan Information . . . . . . . . . . . . . . . . . . . . . . 27</p><p>Important Numbers and Websites . . . . . . . . . . . . . . . . . . . . 28</p><p>ChoicesEmory Healthcare is proud to be a vital part of the </p><p>Atlanta community. One of the reasons we are an </p><p>employer of choice is the rich benefits package that </p><p>we offer our employees. As a part of Emory </p><p>Healthcare, you have numerous benefits available to </p><p>you. You have a choice of two medical plans for 2016, </p><p>each with unique plan design features. In addition, </p><p>there are plans that provide coverage for dental, </p><p>vision, disability, retirement, long-term care, legal </p><p>services and more. We encourage you to take a close </p><p>look at all of the benefits information provided in this </p><p>guide. Our benefit plans are just one of the many </p><p>ways Emory Healthcare helps you take care of </p><p>yourself and your family.</p><p>This guide is meant to provide basic benefit plan information. For additional details and specific information, please contact the vendor or review the </p><p>Summary Plan Description (SPD) for each plan. SPDs are available on the Your Benefits website (go to www.ourehc.org and select Employee Resources) </p><p>or by contacting the Employee Resource Center at 404-686-6044 or EHC.HR/Benefits@emoryhealthcare.org for a printed version.</p><p>DISCLAIMER: Emory Healthcare reserves the right to terminate or amend its plans and leave policies in whole or in part at any time, including the right to </p><p>terminate or modify coverage, and the cost of coverage, for any group of employees, whether active, on leave or retired, and/or dependents at any time, </p><p>even during a leave or after retirement. The welfare plans do not provide vested benefits. </p><p>The Summary of Benefits and Coverage </p><p>(SBC) for each health plan and the </p><p>individual health insurance marketplace </p><p>exchange notice can be accessed at </p><p>www.ourehc.org. Click on Employee </p><p>Resources and then Your Benefits.</p></li><li><p>12/15 2016 Benefits Enrollment Guide 1</p><p>Whats InsideBenefits Enrollment 2016</p><p>Your Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1</p><p>Benefits Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2</p><p>How to Enroll . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3</p><p>Change In Your Coverage Mid-Year . . . . . . . . . . . . . . . . . . . 4</p><p>Health Benefits</p><p>Medical Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5</p><p>- Plan 1: HSA Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6</p><p>- Plan 2: POS Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9</p><p>- Medical Plan Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10</p><p>- Medical Plan Comparison Quick Guide . . . . . . . . . . . . . . 11</p><p>- Wellness Incentives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12</p><p>Flexible Spending Accounts . . . . . . . . . . . . . . . . . . . . . . . . . 13</p><p>Dental Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14</p><p>Vision Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15</p><p>Additional Benefits</p><p>Short-Term &amp; Long-Term Disability . . . . . . . . . . . . . . . . . . . 16</p><p>Life and Accident Insurance . . . . . . . . . . . . . . . . . . . . . . . . . 17</p><p>Long-Term Care, Home &amp; Auto, Aflac and Prepaid Legal . . . . . . . . . . . . . . . . . . . . . . . . . . 18</p><p>403(b) Retirement Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19</p><p>Comprehensive Leave/Paid Time Off (PTO) . . . . . . . . . . . . 24</p><p>Extended Illness Leave . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25</p><p>Employee Education Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . 26</p><p>Additional Resources</p><p>More Medical Plan Information . . . . . . . . . . . . . . . . . . . . . . 27</p><p>Important Numbers and Websites . . . . . . . . . . . . . . . . . . . . 28</p><p>Your BenefitsAs an Emory Healthcare employee, you are fortunate to have a wide range of benefit programs available to you. </p><p>Benefit programs give you important financial protection when you need it most. Enrolling in your benefits is </p><p>quick and easy. Spend a few minutes and review the benefit programs that Emory Healthcare offers to make the </p><p>choices that are right for you and your family.</p><p>Some benefits Emory Healthcare offers are employer provided, and coverage is automatic if you are eligible. Other benefits give you choices and require you to enroll.</p><p>Employer-Provided BenefitsAs an eligible employee, Emory Healthcare automatically provides you with several benefits. Emory Healthcare pays the full cost for basic life insurance and long-term disability coverage and provides a basic employer contribution to the 403(b) retirement plan for eligible employees. For more information on retirement plan options, view the Discover Your Retirement Options Guide located on the Employee Resources site on www.ourehc.org. </p><p>Optional BenefitsIn addition to employer-provided benefits, eligible employees may enroll in optional benefits, including medical, dental, vision, supplemental life insurance, accidental death and dismemberment, disability, flexible spending accounts, 403(b) retirement plans and other voluntary plans. You contribute toward the cost of the optional benefits that you elect. </p><p>When Coverage BeginsFor most benefits, coverage begins on an employees date of hire. </p><p>New Hires: If you are benefits-eligible, you must enroll during your first 31 days of employment with Emory Healthcare. </p><p>For optional benefits other than the 403(b) and supplemental long-term disability, if you do not enroll during your first 31 days of employment, you will not receive coverage. Your next opportunity to enroll in optional benefits will be during the annual benefits enrollment period, typically held in the fall of each year for the upcoming year, or if you experience a qualified family status change (see page 4 for more information). Life and long-term care benefits require Evidence of Insurability (EOI) for late enrollees. </p><p>Current Employees: If you are a current, benefits-eligible Emory Healthcare employee, each year you have an opportunity to review your benefit elections during the annual benefits enrollment period and make changes for the upcoming plan year. </p><p>When Coverage EndsFor most benefits, coverage will end on the last day of the month in which: </p><p> Your regular work schedule is reduced to fewer than 20 hours per week; </p><p> Your employment with Emory Healthcare ends due to resignation, termination or death; or </p><p> You stop paying your share of the coverage.</p><p>Your dependent(s) coverage ends: </p><p> When your coverage ends, or </p><p> The last day of the month the dependent is no longer eligible: </p><p> For Dependent Child(ren) (up to age 26): End of the month in which they turn 26.</p></li><li><p>2016 Benefits Enrollment Guide 12/152</p><p>Who Can Enroll (Benefits Eligibility)You are eligible for benefits if you are a regular full-time or part-time employee scheduled to work 20 hours or more per week. </p><p>If you elect coverage, your dependents are also eligible for medical, dental, vision and life insurance coverage. Eligible dependents include: </p><p> Your legal spouse. </p><p> Same-Sex Domestic Partner (SSDP): Another adult of the same sex who is engaged with you in a spouse-like relationship characterized by mutual dependency.</p><p> Have residence in the same household.</p><p> Financially responsible for each others well-being and debts to third parties. This means that you have entered into a contractual commitment for that financial responsibility or have joint ownership of significant assets (such as home, car, bank accounts) and joint liability for debts (such as mortgages and major credit cards).</p><p> Neither partner is married to anyone else nor has another domestic partner receiving benefits.</p><p> Partners are not related by blood closer than would bar marriage in the state of their residence.</p><p> If you choose to cover a same-sex domestic partner, you will pay the same cost and receive the same coverage as you would for a spouse.</p><p> Covering an SSDP will result in additional tax liability (imputed income). If your relationship ends, you will need to notify the Employee Resource Center.</p><p> Your legal child(ren): Includes your natural, adopted or foster child(ren), stepchild(ren), your SSDPs child(ren) or any child for whom you have legal custody. They are eligible: </p><p> Up to age 26. </p><p> Regardless of age, if fully disabled and unmarried, provided he/she became fully disabled prior to age 19 or between the ages of 19 and 26, if the child was covered by the plan when the disability occurred. </p><p>Dependent Verification of EligibilityWhen you first enroll, or if you change coverage mid-year due to a qualified IRS family status change, you are required to provide documentation substantiating the </p><p>eligibility of your dependent(s) within 31 days of the change or enrollment. </p><p>If documentation is not received within 31 days, a letter will be mailed to you requesting the documentation within a given deadline. Events that require documentation to support the change include: </p><p> Spouse with a last name different than yours </p><p> Document(s): Marriage certificate OR joint tax return (current or previous year only). </p><p> Child with a last name different than yours </p><p> Document(s): Birth certificate or a court document awarding custody or requiring coverage. </p><p> Dependent child over age 26 </p><p> Document(s): Birth certificate AND a Social Security Disability Award or letter from a physician AND the parents tax return claiming the child (current or previous year only). </p><p> Same-Sex Domestic Partner (SSDP) </p><p> Document(s): Affidavit of Domestic Partnership and a document validating the partnership, such as a joint bank account statement, utility bill or mortgage/lease/rental agreement. </p><p> Employee with five dependents who adds a sixth or more dependents</p><p> Document(s): Birth certificate AND either a court document or the tax return from the parent claiming the child must be submitted (current or previous year only).</p><p> Employee with a 50+ age difference with dependent(s)</p><p> Document(s): Birth certificate AND either a court document or the tax return from the parent claiming the child must be submitted (current or previous year only).</p><p>REMINDER: You must provide the documents listed above to the Employee Resource Center within 31 days from your initial election or mid-year family status change if one of the above situations applies to you and your family. If documentation is not received in a timely manner, the election/change requested will not be processed and the affected dependents will not be covered under Emory Healthcares plans. Legible copies of required documents are acceptable.</p></li><li><p>12/15 2016 Benefits Enrollment Guide 3</p><p>How to EnrollEnroll Online Enrolling is easy and available 24 hours a day through e-Vantage on www.ourehc.org and Self Service. You can enroll online at any public access computer that has Internet connectivity. To access e-Vantage, you will need your network ID and password. If you do not know your network ID or password, call 8-HELP at 404-778-4357. </p><p>Steps to Enrolling Online 1. Once logged in to e-Vantage, click on Self Service, </p><p>then Benefits and then Benefits Enrollment. </p><p>2. Choose Select to view your current elections and the new election options. </p><p>3. Complete the certifications for the Spouse/SSDP medical charge and the tobacco surcharge. </p><p>4. After selecting your elections and covered dependents, if any, your payroll deductions will be displayed. </p><p>5. You will be prompted at the bottom of the page to Continue to finalize your elections. </p><p>6. Click Submit after reading the Authorize Elections Statement. Note: You have not enrolled until you click Submit. </p><p>7. Click View/Print to bring up a printable pdf confirmation page. Make sure to save a copy of your confirmation page and carefully review it for accuracy. </p><p> Emory...</p></li></ul>

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