EMPLOYEE BENEFIT HIGHLIGHTS - Hollywood, FL
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2019 | EMPLOYEE BENEFIT HIGHLIGHTS
City of Hollywood | Employee Benefit Highlights | 2019
Table of Contents
Contact Information 1
Introduction 2
Online Benefit Enrollment 2
Group Insurance Eligibility 3
Qualifying Events and Section 125 4
Medical Insurance 5
Summary of Benefits and Coverage 5
Other Available Plan Resources 5
Cigna OAP In-Network Plan At-A-Glance 6
Cigna OAP Plan At-A-Glance 7
Health Reimbursement Account 8
Dental Insurance 9
Cigna Dental PPO Low Plan At-A-Glance 10
Cigna Dental PPO High Plan At-A-Glance 12
Vision Insurance 13
VSP Vision Plan Option 1 At-A-Glance 14
VSP Vision Plan Option 2 At-A-Glance 16
VSP Vision Plan Option 3 At-A-Glance 18
Flexible Spending Account 19-20
Basic Life and AD&D Insurance 21
Voluntary Life and AD&D Insurance 21
Long Term Disability 22
Employee Assistance Program 22
Legal & Identity Theft Plans 23
Supplemental Insurance 24
Notes 24
This booklet is merely a summary of employee benefits. For a full description, refer to the plan document. Where conflict exists between this summary and the plan document, the plan document controls.
The City of Hollywood reserves the right to amend, modify or terminate the plan at any time. This booklet should not be construed as a guarantee of employment.
© 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
Contact Information
Tammie Hechler Phone: (954) 921-3218
City of Hollywood
Director of Human Resources Email: thechler@hollywoodfl.org
(888) 5-BenTek (523-6835)
Online Benefit Enrollment BenTek Support Email: support@mybentek.com
www.mybentek.com/hollywood
Customer Service: (800) 244-6224
Medical Insurance Cigna
www.cigna.com
Prescription Drug Coverage Customer Service: (800) 835-3784
Cigna Home Delivery Pharmacy
& Mail-Order Program www.cigna.com
Customer Service: (800) 688-2611
Health Reimbursement Account P&A Group
www.padmin.com
Customer Service: (800) 244-6224
Dental Insurance Cigna
www.cigna.com
Customer Service: (800) 877-7195
Vision Insurance VSP
www.vsp.com
Customer Service: (800) 688-2611
Flexible Spending Accounts P&A Group
www.padmin.com
Customer Service: (800) 796-3872
Basic Life and AD&D Insurance Symetra
www.symetra.com
Customer Service: (800) 796-3872
Voluntary Life and AD&D Insurance Symetra
www.symetra.com
Customer Service: (800) 796-3872
Long Term Disability Insurance Symetra
www.symetra.com
Customer Service: (800) 833-8707
Employee Assistance Program CCA
www.myccaonline.com
Customer Service: (800) 992-3522
Supplemental Insurance Aflac
www.aflac.com
Customer Service: (888) 577-3476
Legal & Identity Protection Plans Preferred Legal Plan
www.preferredlegal.com
1 © 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
Online Benefit Enrollment
The City provides employees with an online benefits enrollment
platform through BenTek’s Employee Benefits Center (EBC). The EBC
provides benefit-eligible employees the ability to select or change
insurance benefits online during the annual Open Enrollment Period.
Introduction Accessible 24 hours a day throughout the year, employee may log
in and review comprehensive information regarding benefit plans
The City of Hollywood provides group insurance benefits to eligible employees. and view and print an outline of benefit elections for employee and
The Employee Benefit Highlights Booklet provides a general summary of the dependent(s). Employee has access to important forms, carrier links,
benefit options as a convenient reference. Please refer to the City's policies, and may review and make changes to life insurance beneficiary
applicable collective bargaining agreements and/or Certificates of Coverage designations.
for detailed descriptions of all available employee benefit programs and
stipulations therein. If employee requires further explanation or needs
assistance regarding claims processing, please refer to the customer service
phone numbers under each benefit description heading or contact Human
Resources.
To Access the Employee Benefits Center:
99
Log on to www.mybentek.com/hollywood
99
Sign in using a previously created username and password or
click "Create an Account" to set up a username and password.
9 9
If employee has forgotten username and/or password, click
on the link “Forgot Username/Password” and follow the
instructions.
9 9
Once logged on, navigate to the menu in order to review
current elections, learn about benefit options, and make
elections, changes or beneficiary designations.
For technical issues directly related to using the EBC please
call (888) 5-BenTek (523-6835) or email BenTek Support at
support@mybentek.com, Monday through Friday, during regular
business hours, 8:30 a.m. to 5:00 p.m.
To access Employee Benefits Center online, log on to:
www.mybentek.com/hollywood
Please Note: Link must be addressed exactly as written. Due to security reasons,
the website cannot be accessed by Google or other search engines.
© 2016, Gehring Group, Inc., All Rights Reserved
2City of Hollywood | Employee Benefit Highlights | 2019
Group Insurance Eligibility
JANUARY The City of Hollywood's group insurance
Dependent Age Requirements (Continued)
01 plan year is January 1 through December 31.
Dental Coverage: A dependent child may be covered through the end
of the month in which the child turns age 26.
Employee Eligibility Vision Coverage: A dependent child may be covered through the end
Employees are eligible to participate in the City of Hollywood's insurance of the month in which the child turns age 26.
plans if they are full-time employees working a minimum of 30 hours per
week. Coverage will be effective the first day of the month following 30 days Disabled Dependents
of employment. For example, if an employee is hired on April 11, then the
effective date of coverage will be June 1. Coverage for an unmarried dependent child may be continued beyond age 26 if:
• The dependent is physically or mentally disabled and incapable of
Termination self-sustaining employment (prior to age 26); and
If employee separates employment from the City of Hollywood, insurance • Primarily dependent upon the employee for support; and
will continue through the end of month in which separation occurred. COBRA • The dependent is otherwise eligible for coverage under the group
continuation of coverage may be available as applicable by law. medical plan; and
Dependent Eligibility • The dependent has been continuously insured; and
• Coverage with City began prior to age 26.
A dependent is defined as the legal spouse/domestic partner and/or
dependent child(ren) of the participant, spouse/domestic partner. The term Proof of disability will be required upon request. Please contact Human
“child” includes any of the following: Resources if further clarification is needed.
• A natural child Taxable Dependents
• A stepchild Employee covering adult child(ren) under employee's medical insurance plan
• A legally adopted child may continue to have the related coverage premiums payroll deducted on a
• A newborn child (up to the age of 18 months old) of a covered pre-tax basis through the end of the calendar year in which dependent child
dependent (Florida) reaches age 26. Beginning January 1 of the calendar year in which dependent
• A child for whom legal guardianship has been awarded to the child reaches age 27 through the end of the calendar year in which the
participant or the participant’s spouse/domestic partner dependent child reaches age 30, imputed income must be reported on the
employee’s W-2 for that entire tax year. Imputed income is the dollar value of
insurance coverage attributable to covering the adult dependent child. Note:
Dependent Age Requirements There is no imputed income if adult dependent child is eligible to be claimed
as a dependent for Federal income tax purposes on the employee’s tax return.
Medical Coverage: A dependent child may be covered through Contact Human Resources for further details if covering an adult dependent
the end of the month in which the child turns age 26. An over-age child who will turn age 27 any time during the upcoming calendar year or for
dependent may continue to be covered on the medical plan to the more information.
end of the calendar year in which the child reaches age 30, if the
dependent meets the following requirements: Domestic Partner
• Unmarried with no dependents; and Domestic Partners may be eligible to participate in the City’s group insurance
• A Florida resident, or full-time or part-time student; and plans and are required to complete a declaration of Domestic Partnership. The
• Otherwise uninsured; and IRS guidelines state that an employee may not receive a tax advantage on any
• Not entitled to Medicare benefits under Title XVIII of the portion of premium paid related to domestic partner coverage, unless specific
Social Security Act, unless the child is disabled. IRS guidelines have been met. Employees insuring domestic partners and/or
child dependent(s) of a domestic partner are required to pay imputed income
tax on premium deductions and should consult their tax professional. Please
contact Human Resources for more information.
3 © 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
Qualifying Events and Section 125
Section 125 of Internal Revenue Code
Premiums for medical, dental, vision insurance, contributions to Flexible
Spending Accounts (FSA), and/or certain supplemental policies are deducted IMPORTANT NOTES
through a Cafeteria Plan established under Section 125 of the Internal Revenue
Code and are pre-taxed to the extent permitted. Under Section 125, changes to If employee experiences a Qualifying Event, Human Resources must
an employee's pre-tax benefits can be made ONLY during the Open Enrollment be contacted within 30 days of the Qualifying Event to make
period unless the employee or qualified dependent(s) experience(s) a the appropriate changes to employee's coverage. Beyond 30 days,
Qualifying Event and the request to make a change is made within 30 days of requests will be denied and employee may be responsible, both legally
the Qualifying Event. and financially, for any claim and/or expense incurred as a result of
Under certain circumstances, employee may be allowed to make changes to employee or dependent who continues to be enrolled but no longer
benefit elections during the plan year, if the event affects the employee, spouse meets eligibility requirements. If approved, changes will be effective
or dependent’s coverage eligibility. An “eligible” Qualifying Event is determined the date of the Qualifying Event or the first of the month following the
by Section 125 of the Internal Revenue Code. Any requested changes must be Qualifying Event. Newborns are effective on the date of birth. Marriage
consistent with and due to the Qualifying Event. is effective on the date of occurrence. Cancellations will be processed at
the end of the month. In the event of death, coverage terminates the
Examples of Qualifying Events: date following the death. Employee may be required to furnish valid
documentation supporting a change in status or “Qualifying Event.”
• Employee gets married or divorced
• Birth of a child
• Employee gains legal custody or adopts a child
• Employee's spouse and/or other dependent(s) die(s)
• Employee, spouse or dependent(s) terminate or start employment
• An increase or decrease in employee's work hours causes eligibility
or ineligibility
• A covered dependent no longer meets eligibility criteria for coverage
• A child gains or loses coverage with an ex-spouse
• Change of coverage under an employer’s plan
• Gain or loss of Medicare coverage
• Losing eligibility for coverage under a State Medicaid or CHIP
(including Florida Kid Care) program (60 day notification period)
© 2016, Gehring Group, Inc., All Rights Reserved
4City of Hollywood | Employee Benefit Highlights | 2019
Medical Insurance Other Available Plan Resources
The City offers medical insurance through Cigna to benefit-eligible employees. Cigna offers all enrolled employees and dependents additional services and
For more detailed information about the medical plans, please refer to the discounts through value added programs. For more details regarding other
carrier's Summary of Benefits and Coverage (SBC) document or contact Cigna's available plan resources, contact Cigna’s customer service at (800) 244-6224,
customer service. Please refer to the separate rate sheet for Open Access or visit www.cigna.com.
Plan (OAP) and Open Access Plus In-Network Plan (OAPIN) costs for specific
employee or retiree classification. The myCigna Mobile App
The myCigna mobile app is an easy way to organize and access important
Cigna | Customer Service: (800) 244-6224 | www.cigna.com health information. Anytime. Anywhere. Download it today from the App
StoreSM or Google Play™. With the myCigna mobile app, members can:
• Find a doctor, dentist or health care facility
Summary of Benefits and Coverage • Access maps for instant driving directions
A Summary of Benefits & Coverage (SBC) for the Medical Plan is provided as a • View ID cards for the entire family
supplement to this booklet being distributed to new hires and existing employees • Review deductibles, account balances and claims
during Open Enrollment. The summary is an important item in understanding
employee's benefit options. A free paper copy of the SBC document may be requested
• Compare prescription drug costs
or is available as follows: • Speed-dial Cigna Home Delivery Pharmacy™
• Store and organize all important contact info for doctors, hospitals,
From: Human Resources and pharmacies
Address: 2600 Hollywood Blvd., Ste. 206 • Add health care professionals to contact list right from a claim or
Hollywood, FL 33022 directory search
Phone: (954) 921-3218 • And, much more!
At Website URL: www.mybentek.com/hollywood
Telehealth
The SBC is only a summary of the plan’s coverage. A copy of the plan document, policy, Cigna provides access to two telehealth services as part of the medical plan,
or certificate of coverage should be consulted to determine the governing contractual AmWell and MDLIVE. AmWell and MDLIVE are convenient phone and video
provisions of the coverage. A copy of the group certificate of coverage can be reviewed consultation companies that provide immediate medical assistance for many
and obtained by contacting Human Resources.
conditions.
If there are any questions about the plan offerings or coverage options, please contact
Human Resources at (954) 921-3218. This benefit is provided to all enrolled members subject to an applicable
copay. This program allows members, 24 hours a day, seven (7) days a week,
on-demand access to affordable medical care via phone and online video
consultations when needing immediate care for non-emergency medical
issues. Telehealth should be considered when employee's primary care doctor is
unavailable, after-hours or on holidays for non-emergency needs. Many urgent
care ailments can be treated with telehealth services, such as:
Sore Throat
99 Allergies
99
Headache
99 Rash
99
Stomachache
99 Acne
99
Fever
99 UTIs And More
99
Cold and Flu
99
Telehealth doctors do not replace employee's primary care physician but
may be a convenient alternative for urgent care and ER visits. For further
information please contact Human Resources or contact Cigna.
Cigna
AmWell | Customer Service: (855) 667-9722 | www.AmWellforCigna.com
MDLIVE | Customer Service: (888) 726-3171 | www.MDLIVEforCigna.com
5 © 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
Cigna OAP In-Network Plan At-A-Glance
Network Open Access Plus
Calendar Year Deductible (CYD) In-Network
Single $500
Family $1,500
Coinsurance
Locate a Provider
Member Responsibility 20%
To search for a participating provider,
Calendar Year Out-of-Pocket Limit contact Cigna's customer service or visit
www.cigna.com. When completing the
Single $3,000 necessary search criteria, select Open
Family $9,000 Access Plus network.
What Applies to the Out-of-Pocket Limit? Deductible, Coinsurance and Copays (Excludes Rx)
Physician Services
Primary Care Physician (PCP) Office Visit $30 Copay
Specialist Office Visit (No Referral Required) $40 Copay
Telehealth $15 Copay Plan References
*Quest Diagnostics and LabCorp are the
Non-Hospital Services; Freestanding Facility preferred labs for blood work through
Clinical Lab (Blood Work)* No Charge Cigna. When using a lab other than
X-rays $50 Copay Quest or LabCorp, please confirm they
are contracted with Cigna’s Open Access
Advanced Imaging (MRI, PET, CT) – Per Scan $50 Copay Plus network prior to receiving services.
Outpatient Surgery in Surgical Center (Per Visit) $250 Copay
Physician Services at Surgical Center No Charge
Urgent Care (Per Visit) $75 Copay
Hospital Services
Inpatient Hospital (Per Admission) $500 Copay Important Notes
Outpatient Hospital (Per Visit) $250 Copay • There is a separate $50 per person
Inpatient Physician Services at Hospital $40 Copay + 20% calendar year deductible to be met
before Rx benefits begin.
Outpatient Physician Services No Charge
• There is a separate $1,500/$4,500
Emergency Room (Per Visit; Waived if Admitted) $200 Copay
per calendar year, pharmacy out of
pocket limit, that does not accumulate
Mental Health/Alcohol & Substance Abuse
towards the Medical Calendar Year Out
Inpatient Hospitalization (Per Admission) $500 Copay of Pocket Limit.
Outpatient Services (Per Visit) No Charge • Services received by providers and
Outpatient Office Visit $40 Copay facilities not in the Open Access Plus
network, will not be covered.
Prescription Drugs (Rx)
Calendar Year Deductible for Rx Costs $50 Per Covered Person
Calendar Year Out of Pocket Limit for Rx Costs Single: $1,500 Family: $4,500
Generic 20% After Rx CYD
Preferred Brand Name 20% After Rx CYD
Non-Preferred Brand Name 20% After Rx CYD
Mail Order Drug (90-Day Supply) $25 / $75 / $150 Copay After Rx CYD
© 2016, Gehring Group, Inc., All Rights Reserved
6City of Hollywood | Employee Benefit Highlights | 2019
Cigna OAP Plan At-A-Glance
Network Open Access Plus
Calendar Year Deductible (CYD) In-Network Out-of-Network*
Single None $500
Family None $1,000
Coinsurance
Locate a Provider Member Responsibility 0% 40%
To search for a participating provider,
contact Cigna's customer service or visit Calendar Year Out-of-Pocket Limit
www.cigna.com. When completing the Single $1,500 $3,000
necessary search criteria, select Open
Access Plus network. Family $3,000 $6,000
What Applies to the Out-of-Pocket Limit? Deductible, Coinsurance and Copays (Excludes Rx)
Physician Services
Primary Care Physician (PCP) Office Visit $40 Copay 40% After CYD
Specialist Office Visit (No Referral Required) $40 Copay 40% After CYD
Telehealth $10 Copay Not Covered
Plan References
*Out-of-Network Balance Billing: For Non-Hospital Services; Freestanding Facility
information regarding out-of-network
Clinical Lab (Blood Work)** No Charge 40% After CYD
balance billing that may be charged by
out-of-network providers, please refer to X-rays $50 Copay 40% After CYD
the Summary of Benefits and Coverage Advanced Imaging (MRI, PET, CT) – Per Scan $50 Copay 40% After CYD
(SBC) document.
Outpatient Surgery in Surgical Center $50 Copay 40% After CYD
**Quest Diagnostics and LabCorp are the Physician Services at Surgical Center $40 Copay $40 Copay
preferred labs for blood work through Urgent Care (Per Visit) $40 Copay 40% After CYD
Cigna. When using a lab other than
Quest or LabCorp, please confirm they Hospital Services
are contracted with Cigna’s Open Access
Inpatient Hospital (Per Admission) $250 Copay $750 Per Admission Deductible
Plus network prior to receiving services.
Outpatient Hospital $100 Copay $300 Per Admission Deductible
Inpatient Physician Services at Hospital No Charge No Charge
Outpatient Physician Services $40 Copay $40 Copay
Emergency Room (Per Visit; Waived if Admitted) $50 Copay $50 Copay
Mental Health/Alcohol & Substance Abuse
Important Notes
• There is a separate $50 per person Inpatient Hospitalization (Per Admission) $250 Copay $750 Per Admission Deductible
calendar year deductible to be met Outpatient Services (Per Visit) No Charge No Charge
before Rx benefits begin. Outpatient Office Visit No Charge 40% After CYD
• There is a separate $1,000 / $3,000
per calendar year, pharmacy out of Prescription Drugs (Rx)
pocket limit for in-network and out-of- Calendar Year Deductible for Rx Costs $50 Per Covered Person
network Rx costs combined, that does
Calendar Year Out of Pocket Limit for Rx Costs Single: $1,000 Family: $3,000 Single: $1,000 Family: $3,000
not accumulate towards the Medical
Calendar Year Out of Pocket Limit. Generic 20% After Rx CYD 50% After Rx CYD
Preferred Brand Name 20% After Rx CYD 50% After Rx CYD
Non-Preferred Brand Name 20% After Rx CYD 50% After Rx CYD
Mail Order Drug (90 Day Supply) $20 / $50 / $80 Copay After Rx CYD Not Covered
7 © 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
Health Reimbursement Account
The City provides employees who participate in one of the City's medical plans, a Health Reimbursement Account (HRA) through P&A Group. HRA monies are funded by
the City and can be used for any qualified medical, dental or vision expense such as copayments, deductibles and coinsurance for physician services, hospital services and
prescription drugs, etc. The HRA monies provide tax-free funds to cover those expenses incurred under the medical, dental and vision plan(s).
HRA Funding Allotment What happens to unused HRA funds at the end of the plan
HRA Funding for 2019 is as follows: year?
• $300 for employee only. Any remaining balance on the HRA at the end of the calendar year will
• $400 for employees with one (1) dependent. automatically roll back to the Plan.
• $700 for employees with two (2) or more dependents.
What happens to unused HRA funds if employee
Retain Receipts discontinues participation in the HRA plan, separates
During the year, employee should keep all receipts and documentation for employment, or retires from the City?
prescriptions and medical, dental or vision related expenses if needed to verify Any remaining balance on the HRA at the end of the calendar year will
a claim for P&A or for IRS taxes. If asked to produce documentation, a valid automatically roll back to the Plan.
Explanation of Benefits (EOB) and receipt of payment for the services rendered
will be sufficient.
Claims Mailing Address
How to check HRA balance P&A Group | 17 Court Street, Suite 500 | Buffalo, NY 14042
Employee can check available balance, activity and account history anytime
online at www.padmin.com or contact customer service at (800) 688-2611. P&A Group | Customer Service: (800) 688-2611
Fax: (877) 855-7105 | www.padmin.com
Expenses Eligible for Reimbursement
Employee may request reimbursement of expenses for employee or covered All claims must be filed within 90 days after the plan year
dependent(s). Eligible expenses must be necessary for the diagnosis, treatment, (December 31, 2019), or 30 days from the date employee
cure, mitigation or prevention of a specific medical, dental or vision condition. becomes ineligible to file for expenses incurred while
Cosmetic expenses are not eligible for reimbursement. Reimbursement checks participating during the plan year.
will be issued to the employee throughout the year for incurred expenses up to
the maximum annual benefit amount. Employee also has the option of having
reimbursements deposited directly to their checking account.
How to File a Claim
Debit Card
Each employee will be provided with a Debit Card to use for payment of out-of-
pocket medical, dental or vision care expenses. This may prevent the employee
from having to pay an expense first and then seek reimbursement. However,
employee may be required to submit documentation of any expenses that do
not match a copay associated with a specific service under the medical, dental
or vision plans.
Paper Claim
Employee may submit claim forms to P&A and must include a copy of carrier's
Explanation of Benefits or receipts for eligible medical, dental, and vision care
services received. Claim forms can be submitted online at P&A's website, or via
fax to (877) 855-7105, which is indicated on the claims form.
© 2016, Gehring Group, Inc., All Rights Reserved
8City of Hollywood | Employee Benefit Highlights | 2019
Dental Insurance
Cigna Dental PPO Low Plan
The City offers dental insurance through Cigna to benefit-eligible employees. Out-of-Network Benefits
For more detailed information about the dental plans, please refer to the
Out-of-network benefits are used when members receive services by a non-
carrier's summary plan document or contact Cigna's customer service. Please
participating Cigna Total DPPO provider. Cigna reimburses out-of-network
refer to the separate rate sheet for Cigna's Dental PPO Low and High Plan costs
services based on what it determines is the Maximum Reimbursable Charge
for specific employee classification.
(MRC). The MRC is defined as the most common charge for a particular dental
In-Network Benefits procedure performed in a specific geographic area. If services are received from
an out-of-network dentist, the member may be responsible for balance billing.
The Dental PPO Low plan provides benefits for services received from in- Balance billing is the difference between Cigna's MRC and the amount charged
network and out-of-network providers. It is also an open-access plan which by the out-of-network dental provider. Balance billing is in addition to any
allows for services to be received from any dental provider without having applicable plan deductible or coinsurance responsibility.
to select a Primary Dental Provider (PDP) or obtain a referral to a specialist.
The network of participating dental providers the plan utilizes is the Cigna Calendar Year Deductible
Total DPPO network. These participating dental providers have contractually
The Dental PPO Low plan requires a $25 individual or a $75 family deductible
agreed to accept Cigna’s contracted fee or “allowed amount.” This fee is the
to be met for in-network or out-of-network services before most benefits will
maximum amount a Cigna dental provider can charge a member for a service.
begin. The deductible is waived for preventive services.
The member is responsible for a Calendar Year Deductible (CYD) and then
coinsurance based on the plan’s charge limitations. Calendar Year Benefit Maximum
Please Note: Total DPPO dental members have the option to utilize a dentist that The maximum benefit the Dental PPO Low plan will pay for each covered
participates in either Cigna’s Advantage network or DPPO network. However, members member is $1,000 for in-network and out-of-network services combined. All
that use the Cigna Advantage network will see additional cost savings from the added services, including preventive, accumulate towards the benefit maximum.
discount that is allowed using an Advantage network provider. Members are responsible
Once the plan's benefit maximum is met, the member will be responsible for
for verifying whether the treating dentist is an Advantage Dentist or a DPPO Dentist.
future charges until next calendar year.
Cigna | Customer Service: (800) 244-6224 | www.cigna.com
9 © 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
Cigna Dental PPO Low Plan At-A-Glance
Network Cigna Total DPPO
Calendar Year Deductible (CYD) In-Network and Out-of-Network Combined
Per Member $25
Per Family $75
Calendar Year Benefit Maximum
Locate a Provider
Per Member (Includes Class I Services) $1,000
To search for a participating provider,
Class I Services: Diagnostic & Preventive Care In-Network Out-of-Network* contact Cigna's customer service or visit
www.cigna.com. When completing the
Routine Oral Exam (2 Per Calendar Year) necessary search criteria, select Cigna
Routine Cleanings (2 Per Calendar Year) Plan Pays: 80% Dental PPO or EPO network.
Plan Pays: 100%
Deductible Waived
Bitewing X-rays (2 Per Calendar Year) Deductible Waived
(Subject to Balance Billing)
Complete X-rays (1 Set Every 36 Consecutive Months)
Class II Services: Basic Restorative Care
Fillings
Simple Extractions
Plan References
*Out-of-Network Balance Billing: For
Endodontics (Root Canal Therapy) Plan Pays: 70% After CYD
Plan Pays: 80% After CYD information regarding out-of-network
Periodontics (Subject to Balance Billing) balance billing that may be charged by
out-of-network providers, please refer to
General Anesthesia/Intravenous Sedation (Limitations Apply)
the Out-of-Network Benefits section on
Oral Surgery the previous page.
Class III Services: Major Restorative Care
Crowns
Plan Pays: 50% After CYD
Dentures Plan Pays: 50% After CYD
(Subject to Balance Billing)
Bridges
Important Notes
Class IV Services: Orthodontia • Each covered family member may
Lifetime Maximum $1,000 receive two (2) routine cleanings
per calendar year covered under the
Plan Pays: 50% After CYD preventive benefit.
Benefit (Child(ren) Up To Age 19) Plan Pays: 50% After CYD
(Subject to Balance Billing)
• For any dental work expected to cost
$200 or more, the plan will provide a
"Predetermination of Benefits" upon
the request of the dental provider.
This will assist with determining
approximate out-of-pocket costs
should employee have the dental work
performed.
• Late entrant provisions, age limitations
and waiting periods may apply.
• Benefit frequency limitations may
apply to certain services.
© 2016, Gehring Group, Inc., All Rights Reserved
10City of Hollywood | Employee Benefit Highlights | 2019
Dental Insurance
Cigna Dental PPO High Plan
The City offers dental insurance through Cigna to benefit-eligible employees. Out-of-Network Benefits
For more detailed information about the dental plans, please refer to the
Out-of-network benefits are used when members receive services by a non-
carrier's summary plan document or contact Cigna's customer service. Please
participating Cigna Total DPPO provider. Cigna reimburses out-of-network
refer to the separate rate sheet for Cigna's Dental PPO Low and High Plan costs
services based on what it determines is the Maximum Reimbursable Charge
for your specific employee classification.
(MRC). The MRC is defined as the most common charge for a particular dental
In-Network Benefits procedure performed in a specific geographic area. If services are received from
an out-of-network dentist, the member may be responsible for balance billing.
The Dental PPO High plan provides benefits for services received from in- Balance billing is the difference between Cigna's MRC and the amount charged
network and out-of-network providers. It is also an open-access plan which by the out-of-network dental provider. Balance billing is in addition to any
allows for services to be received from any dental provider without having applicable plan deductible or coinsurance responsibility.
to select a Primary Dental Provider (PDP) or obtain a referral to a specialist.
The network of participating dental providers the plan utilizes is the Cigna Calendar Year Deductible
Total DPPO network. These participating dental providers have contractually
agreed to accept Cigna’s contracted fee or “allowed amount.” This fee is the The Dental PPO High plan requires a $25 individual or a $75 family deductible
maximum amount a Cigna dental provider can charge a member for a service. to be met for in-network or out-of-network services before most benefits will
The member is responsible for a Calendar Year Deductible (CYD) and then begin. The deductible is waived for preventive services.
coinsurance based on the plan’s charge limitations.
Calendar Year Benefit Maximum
Please Note: Total DPPO dental members have the option to utilize a dentist that The maximum benefit the Dental PPO High plan will pay for each covered
participates in either Cigna’s Advantage network or DPPO network. However, members member is $2,000 for in-network and out-of-network services combined. All
that use the Cigna Advantage network will see additional cost savings from the added
services, including preventive, accumulate towards the benefit maximum.
discount that is allowed using an Advantage network provider. Members are responsible
for verifying whether the treating dentist is an Advantage Dentist or a DPPO Dentist.
Once the plan's benefit maximum is met, the member will be responsible for
future charges until next calendar year.
Cigna | Customer Service: (800) 244-6224 | www.cigna.com
11 © 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
Cigna Dental PPO High Plan At-A-Glance
Network Cigna Total DPPO
Calendar Year Deductible (CYD) In-Network and Out-of-Network Combined
Per Member $25
Per Family $75
Calendar Year Benefit Maximum
Locate a Provider
Per Member (Includes Class I Services) $2,000
To search for a participating provider,
Class I Services: Diagnostic & Preventive Care In-Network Out-of-Network* contact Cigna's customer service or visit
www.cigna.com. When completing the
Routine Oral Exam (2 Per Calendar Year) necessary search criteria, select Cigna
Routine Cleanings (2 Per Calendar Year) Plan Pays: 80% Dental PPO or EPO network.
Plan Pays: 100%
Deductible Waived
Bitewing X-rays (2 Per Calendar Year) Deductible Waived
(Subject to Balance Billing)
Complete X-rays (1 Set Every 36 Consecutive Months)
Class II Services: Basic Restorative Care
Fillings
Simple Extractions
Plan References
*Out-of-Network Balance Billing: For
Endodontics (Root Canal Therapy) Plan Pays: 70% After CYD
Plan Pays: 80% After CYD information regarding out-of-network
Periodontics (Subject to Balance Billing) balance billing that may be charged by
out-of-network providers, please refer to
General Anesthesia/Intravenous Sedation (Limitations Apply)
the Out-of-Network Benefits section on
Oral Surgery the previous page.
Class III Services: Major Restorative Care
Crowns
Plan Pays: 50% After CYD
Dentures Plan Pays: 50% After CYD
(Subject to Balance Billing)
Bridges
Important Notes
Class IV Services: Orthodontia • Each covered family member may
Lifetime Maximum $2,000 receive two (2) routine cleanings
per calendar year covered under the
Plan Pays: 50% After CYD preventive benefit.
Benefit (Child(ren) Up To Age 19) Plan Pays: 50% After CYD
(Subject to Balance Billing)
• For any dental work expected to cost
$200 or more, the plan will provide a
"Predetermination of Benefits" upon
the request of the dental provider.
This will assist with determining
approximate out-of-pocket costs
should employee have the dental work
performed.
• Late entrant provisions, age limitations
and waiting periods may apply.
• Benefit frequency limitations may
apply to certain services.
© 2016, Gehring Group, Inc., All Rights Reserved
12City of Hollywood | Employee Benefit Highlights | 2019
Vision Insurance
VSP Vision Plan Option 1
The City offers vision insurance through Vision Service Plan (VSP) to benefit- Out-of-Network Benefits
eligible employees. The costs per pay period for coverage are listed in the
Employee and covered dependent(s) may choose to receive services from vision
premium table below and a brief summary of benefits is provided on the
providers who do not participate in the VSP Choice network. When going out
following page. For more detailed information about the vision plan, please
of network, the provider will require payment at the time of appointment.
refer to the carrier's summary plan document or contact VSP’s customer
VSP will then reimburse based on the plan’s out-of-network reimbursement
service.
schedule upon receipt of proof of services rendered.
Vision Insurance – VSP Vision Plan Option 1 Calendar Year Deductible
26 Payroll Deductions - Per Pay Period Cost There is no calendar year deductible.
Tier of Coverage Employee Cost
Calendar Year Out-of-Pocket Maximum
Employee Only $2.81
There is no out-of-pocket maximum. However, there are benefit reimbursement
Employee + 1 Dependent $5.61 maximums for certain services.
Employee + 2 or More Dependents $9.03
VSP | Customer Service: (800) 877-7195 | www.vsp.com
In-Network Benefits
The vision plan offers employee and covered dependent(s) coverage for routine
eye care, including eye exams, eyeglasses (lenses and frames) or contact
lenses. To schedule an appointment, employee and covered dependent(s) may
select any network provider who participates in the VSP Choice network. At
the time of service, routine vision examinations and basic optical needs will
be covered as shown on the plan’s schedule of benefits. Cosmetic services and
upgrades are additional costs if chosen at the time of the appointment.
13 © 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
VSP Vision Plan Option 1 At-A-Glance
Network VSP Choice
Services In-Network Out-of-Network
Eye Exam $10 Copay Up to $45 Reimbursement
Reimbursement Based on Locate a Provider
Materials $25 Copay
Type of Service
To search for a participating provider,
Frequency of Services contact VSP's customer service or visit
www.vsp.com. When completing the
Examination 12 Months necessary search criteria, select VSP
Choice network.
Lenses 12 Months
Frames 24 Months
Contact Lenses 12 Months
Lenses
Single Up to $30 Reimbursement Plan References
Covered at 100% *Contact lenses are in lieu of spectacle
Bifocal Up to $50 Reimbursement
After $25 Materials Copay lenses.
Trifocal Up to $65 Reimbursement
Frames
$100 Allowance on Any Frame or
$120 if Part of the "Collection" Frame Options
Allowance Up to $70 Reimbursement
20% Discount on Any Amount Over the Allowance
After $25 Materials Copay Important Notes
Member options, such as LASIK, UV
Contact Lenses* coating, progressive lenses, etc. are not
Non-Elective (Medically Necessary) Covered at 100% Up to $210 Reimbursement covered in full, but may be available at
a discount.
$100 Allowance with a $60 Maximum Copay
Elective (Fitting, Follow-up & Lenses) Up to $105 Reimbursement
for the Contact Lense Exam
© 2016, Gehring Group, Inc., All Rights Reserved
14City of Hollywood | Employee Benefit Highlights | 2019
Vision Insurance
VSP Vision Plan Option 2
The City offers vision insurance through Vision Service Plan (VSP) to benefit- Out-of-Network Benefits
eligible employees. The costs per pay period for coverage are listed in the
Employees and covered dependent(s) may choose to receive services from
premium table below and a brief summary of benefits is provided on the
vision providers who do not participate in the VSP Choice network. When going
following page. For more detailed information about the vision plan, please
out of network, the provider will require payment at the time of appointment.
refer to the carrier's summary plan document or contact VSP’s customer
VSP will then reimburse based on the plan’s out-of-network reimbursement
service.
schedule upon receipt of proof of services rendered.
Vision Insurance – VSP Vision Plan Option 2 Calendar Year Deductible
26 Payroll Deductions - Per Pay Period Cost There is no calendar year deductible.
Tier of Coverage Employee Cost
Calendar Year Out-of-Pocket Maximum
Employee Only $4.59
There is no out-of-pocket maximum. However, there are benefit reimbursement
Employee + 1 Dependent $9.17 maximums for certain services.
Employee + 2 or More Dependents $14.76
VSP | Customer Service: (800) 877-7195 | www.vsp.com
In-Network Benefits
The vision plan offers employee and covered dependent(s) coverage for routine
eye care, including eye exams, eyeglasses (lenses and frames) or contact
lenses. To schedule an appointment, employee and covered dependent(s) may
select any network provider who participates in the VSP Choice network. At
the time of service, routine vision examinations and basic optical needs will
be covered as shown on the plan’s schedule of benefits. Cosmetic services and
upgrades are additional costs if chosen at the time of the appointment.
15 © 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
VSP Vision Plan Option 2 At-A-Glance
Network VSP Choice
Services In-Network Out-of-Network
Eye Exam $10 Copay Up to $45 Reimbursement
Reimbursement Based on Locate a Provider
Materials $20 Copay
Type of Service
To search for a participating provider,
Frequency of Services contact VSP's customer service or visit
www.vsp.com. When completing the
Examination 12 Months necessary search criteria, select VSP
Choice network.
Lenses 12 Months
Frames 24 Months
Contact Lenses 12 Months
Lenses
Single Up to $30 Reimbursement Plan References
Covered at 100% *Contact lenses are in lieu of spectacle
Bifocal Up to $50 Reimbursement
After $20 Materials Copay lenses.
Trifocal Up to $65 Reimbursement
Frames
$130 Allowance on Any Frame, or
$150 Allowance if Part of the “Collection” Frame Option
Allowance Up to $70 Reimbursement
20% Discount for Any Amount Over the Allowance
After $20 Materials Copay Important Notes
Member options, such as LASIK, UV
Contact Lenses* coating, progressive lenses, etc. are not
Non-Elective (Medically Necessary) Covered at 100% Up to $210 Reimbursement covered in full, but may be available at
a discount.
$130 Allowance with a $20 Maximum Copay
Elective (Fitting, Follow-up & Lenses) Up to $105 Reimbursement
for the Contact Lense Exam
© 2016, Gehring Group, Inc., All Rights Reserved
16City of Hollywood | Employee Benefit Highlights | 2019
Vision Insurance
VSP Vision Plan Option 3
The City offers vision insurance through Vision Service Plan (VSP) to benefit- Out-of-Network Benefits
eligible employees. The costs per pay period for coverage are listed in the
Employee and covered dependent(s) may choose to receive services from vision
premium table below and a brief summary of benefits is provided on the
providers who do not participate in the VSP Choice network. When going out
following page. For more detailed information about the vision plan, please
of network, the provider will require payment at the time of appointment.
refer to the carrier's summary plan document or contact VSP’s customer
VSP will then reimburse based on the plan’s out-of-network reimbursement
service.
schedule upon receipt of proof of services rendered.
Vision Insurance – VSP Vision Plan Option 3 Calendar Year Deductible
26 Payroll Deductions - Per Pay Period Cost There is no calendar year deductible.
Tier of Coverage Employee Cost
Calendar Year Out-of-Pocket Maximum
Employee Only $5.27
There is no out-of-pocket maximum. However, there are benefit reimbursement
Employee + 1 Dependent $10.53 maximums for certain services.
Employee + 2 or More Dependents $16.95
VSP | Customer Service: (800) 877-7195 | www.vsp.com
In-Network Benefits
The vision plan offers employee and covered dependent(s) coverage for routine
eye care, including eye exams, eyeglasses (lenses and frames) or contact
lenses. To schedule an appointment, employee and covered dependent(s) may
select any network provider who participates in the VSP Choice network. At
the time of service, routine vision examinations and basic optical needs will
be covered as shown on the plan’s schedule of benefits. Cosmetic services and
upgrades are additional costs if chosen at the time of the appointment.
17 © 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
VSP Vision Plan Option 3 At-A-Glance
Network VSP Choice
Services In-Network Out-of-Network
Eye Exam $10 Copay Up to $45 Reimbursement
Reimbursement Based on Locate a Provider
Materials $10 Copay
Type of Service
To search for a participating provider,
Frequency of Services contact VSP's customer service or visit
www.vsp.com. When completing the
Examination 12 Months necessary search criteria, select VSP
Choice network.
Lenses 12 Months
Frames 24 Months
Contact Lenses 12 Months
Lenses
Single Up to $30 Reimbursement Plan References
Covered at 100% *Contact lenses are in lieu of spectacle
Bifocal Up to $50 Reimbursement
After $10 Materials Copay lenses.
Trifocal Up to $65 Reimbursement
Frames
$150 Allowance on Any Frame or
$170 Allowance if Part of the "Collection" Frame Option
Allowance Up to $70 Reimbursement
20% Discount for Any Amount Over the Allowance
After $10 Materials Copay Important Notes
Member options, such as LASIK, UV
Contact Lenses* coating, progressive lenses, etc. are not
Non-Elective (Medically Necessary) Covered at 100% Up to $210 Reimbursement covered in full, but may be available at
a discount.
$150 Allowance with a $10 Maximum Copay
Elective (Fitting, Follow-up & Lenses) Up to $105 Reimbursement
for the Contact Lense Exam
© 2016, Gehring Group, Inc., All Rights Reserved
18City of Hollywood | Employee Benefit Highlights | 2019
Flexible Spending Account
The City offers Flexible Spending Accounts (FSA) administered through P&A Group. The FSA plan year is from January 1 to December 31.
If employee or family member(s) has predictable health care or work-related day care expenses, then employee may benefit from participating in an FSA. An FSA allows
employee to set aside money from employee's paycheck for reimbursement of health care and day care expenses that they regularly pay. The amount set aside is not
taxed and is automatically deducted from employee’s paycheck and deposited into the FSA. During the year, employee has access to this account for reimbursement
of some expenses not covered by insurance. Participation in an FSA allows for substantial tax savings and an increase in spending power. Participating employee must
re-elect the dollar amount to be deducted each plan year. There are two (2) types of FSAs:
Health Care FSA Dependent Care FSA
This account allows participant to set aside up to an annual This account allows participant to set aside up to an annual maximum of $5,000 if single
maximum of $2,650. This money will not be taxable income or married and file a joint tax return ($2,500 if married and file a separate tax return) for
to the participant and can be used to offset the cost of a work-related day care expenses. Qualified expenses include day care centers, preschool,
wide variety of eligible medical expenses that generate and before/after school care for eligible children and dependent adults.
out-of-pocket costs. Participating employee can also receive
reimbursement for expenses related to dental and vision Please note, if a family income is over $20,000, this reimbursement option will likely save
care (that are not classified as cosmetic). participants more money than the dependent day care tax credit taken on a tax return. To
qualify, dependents must be:
Examples of common expenses that qualify for
• A child under the age of 13, or
reimbursement are listed below.
• A child, spouse or other dependent that is physically or mentally incapable
of self-care and spends at least eight (8) hours a day in the participant’s
household.
Please Note: The entire Health Care FSA election is available for use on Please Note: Unlike the Health Care FSA, reimbursement is only up to the amount that has been deducted
the first day coverage is effective. from the participant’s paycheck for the Dependent Care FSA.
A sample list of qualified expenses eligible for reimbursement include, but not limited to, the following:
Ambulance Service
99 Experimental Medical Treatment
99 Nursing Services
99
Chiropractic Care
99 Corrective Eyeglasses and Contact Lenses
99 Optometrist Fees
99
Dental and Orthodontic Fees
99 Hearing Aids and Exams
99 Prescription Drugs
99
Diagnostic Tests/Health Screenings
99 Injections and Vaccinations
99 Sunscreen SPF 15 or Greater
99
Physician Fees and Office Visits
99 LASIK Surgery
99 Wheelchairs
99
Drug Addiction/Alcoholism Treatment
99 Mental Health Care
99
Log on to http://www.irs.gov/publications/p502/index.html for additional details regarding qualified and non-qualified expenses.
19 © 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
Flexible Spending Account (Continued)
FSA Guidelines
• The Health Care FSA has a run out period at the end of the plan year
(90 days) to submit reimbursement for eligible expenses incurred HERE’S HOW IT WORKS!
during the period of coverage within the plan year.
An employee earning $30,000 elects to place $1,000 into a Health
• When a plan year ends and all claims have been filed, all unused Care FSA. The payroll deduction is $38.46 based on a 26 pay period
funds will be forfeited and not returned. schedule. As a result, health care expenses are paid with tax-free
• Employee can enroll in an FSA only during the Open Enrollment dollars, giving the employee a tax savings of $227.
period, a Qualifying Event, or New Hire Eligibility period.
• Money cannot be transferred between FSAs. With a Health Without a Health
Care FSA Care FSA
• Reimbursed expenses cannot be deducted for income tax purposes.
Salary $30,000 $30,000
• Employee and dependent(s) cannot be reimbursed for services not
FSA Contribution - $1,000 - $0
received.
Taxable Pay $29,000 $30,000
• Employee and dependent(s) cannot receive insurance benefits or
Estimated Tax
any other compensation for expenses reimbursed through an FSA. 22.65% = 15% + 7.65% FICA
- $6,568 - $6,795
• Domestic Partners are not eligible as Federal law does not recognize After Tax Expenses - $0 - $1,000
them as a qualified dependent.
Spendable Income $22,432 $22,205
Filing a Claim Tax Savings $227
Claim Form
A completed claim form along with a copy of the receipt as proof of the
expense can be submitted by mail or fax. The IRS requires FSA participants to
maintain complete documentation, including copies of receipts for reimbursed Please Note: Be conservative when estimating health care and/or dependent
expenses, for a minimum of one (1) year. care expenses. IRS regulations state that any unused funds which remain in
an FSA, after a plan year ends and after all claims have been filed, cannot be
Debit Card returned or carried forward to the next plan year. This rule is known as “use
FSA participants can request a debit card for payment of eligible expenses. With it or lose it.”
the card, most qualified services and products can be paid at the point of sale
versus paying out-of-pocket and requesting reimbursement. The debit card is
accepted at a number of medical providers and facilities, and most pharmacy
retail outlets. P&A Group may request supporting documentations for expenses Claims Mailing Address
paid with a debit card. Failure to provide supporting documentation when 17 Court Street, Suite 500 | Buffalo, NY 14042 | Fax: (877) 855-7105
requested, may result in suspension of the card and account until funds are
substantiated or refunded back to the City. This card will not expire at the end
P&A Group | Customer Service: (800) 688-2611 | www.padmin.com
of the benefit year. Please keep the issued card for use next year. Additional or
replacement cards may be requested, however, a small fee may apply.
© 2016, Gehring Group, Inc., All Rights Reserved
20City of Hollywood | Employee Benefit Highlights | 2019
Basic Life and AD&D Insurance Voluntary Life and AD&D Insurance
Basic Term Life Insurance Voluntary Employee Life and AD&D Insurance
The City provides Basic Term Life insurance through Symetra. All eligible classes may elect to purchase additional Life and AD&D insurance
on a voluntary basis through Symetra. This coverage may be purchased in
Class 1: Elected officials will receive a coverage amount of $100,000. addition to the Basic Term Life and AD&D coverage. Voluntary Life insurance
Class 2: Executives, Management, Technical, Professional and Supervisory offers coverage for employee, spouse and/or child(ren) at different benefit
employees will receive a coverage amount of $100,000. levels.
Class 3: Police Union employees will receive a coverage amount of $100,000.
New Hires may purchase Voluntary Employee Life insurance without
Class 4: Fire Union employees will receive a coverage amount of $100,000. having to go through Medical Underwriting, also known as Evidence
of Insurability (EOI), up to the Guaranteed Issue amount of
Class 5: Confidential, General, Grant and Housing Authority employees will $400,000.
receive a coverage amount of $25,000.
Accidental Death & Dismemberment Insurance • Units can be purchased from $15,000 not to exceed a maximum of
Also, at no cost to the employee, the City provides Accidental Death & $475,000, in increments of $5,000.
Dismemberment (AD&D) insurance, which pays in addition to the Basic Term • Benefit amounts are subject to the following age reduction
Life benefit when death occurs as a result of an accident. The AD&D benefit schedule:
amount equals the Basic Term Life benefit. ›› Reduces to 65% of the benefit amount at age 70
›› Reduces to 45% of the benefit amount at age 75
Always remember to keep beneficiary information updated.
›› Reduces to 35% of the benefit amount at age 80
Beneficiary information may be updated at anytime
through Human Resources or by logging onto BenTek at Voluntary Spouse and Dependent Life Insurance
www.mybentek.com/hollywood. • Eligible child(ren) may be covered from 14 days up to 26 years old.
• Coverage may be purchased in two Family Unit benefit options:
Symetra | Customer Service: (800) 796-3872 | www.symetra.com ›› Option I: Spouse: $10,000 benefit, Child: $5,000 benefit, Cost
per month: $3.06
›› Option II: Spouse: $5,000 benefit, Child: $2,500 benefit, Cost per
month: $1.52
21 © 2016, Gehring Group, Inc., All Rights ReservedCity of Hollywood | Employee Benefit Highlights | 2019
Long Term Disability Employee Assistance Program
The City provides Long Term Disability (LTD) insurance, at no cost, to all eligible The City cares about the well-being of all employees on and off the job and
employees through Symetra. The LTD benefit pays a percentage of gross provides, at no cost, a comprehensive Employee Assistance Program (EAP)
monthly earnings if employee becomes disabled due to an illness or non-work through CCA. EAP offers employee and each family member access to licensed
related injury. If there are any questions about the plan offerings or coverage mental health professionals through a confidential program protected
options, please contact Symetra or Human Resources. by State and Federal laws. EAP is available to help employee gain a better
understanding of problems that affect them, locate the best professional help
Long Term Disability (LTD) Benefits for a particular problem and decide upon a plan of action. EAP counselors are
• The LTD benefit pays 60% of the employee's monthly earnings up to professionally trained and certified in their fields and available 24 hours a day,
a monthly benefit maximum of $9,000. seven (7) days a week.
• Employee must be disabled for 90 consecutive days prior to What is an Employee Assistance Program?
becoming eligible for benefits (known as the elimination period).
An Employee Assistance Program offers covered employees and family
• Benefit payments will commence on the 91st day of disability.
members/domestic partners’ free and convenient access to a range of
• Employee may continue to be eligible for partial benefits if confidential and professional services to help address a variety of problems
employee returns to work on a part-time basis. that may negatively affect employee or family member’s well-being. Coverage
• Periodic evaluations may occur at the discretion of Symetra. includes six (6) face-to-face, counseling sessions (per person/per issue/per
• The maximum benefit period is determined based on age at the year), telephonic consultation, online material/tools and webinars. EAP offers
time of disability. counseling services on issues such as:
• Benefits may be reduced by other income. Stress Management Work Related Issues
99 99
Symetra | Customer Service: (800) 796-3872 | www.symetra.com Depression and Anxiety
99 Child Care Resources
99
Grief and Bereavement
99 Adult and Elder Care
99
Family and/or Marriage
99 Assistance
Issues Legal Resources
99
Substance Abuse
99 Financial Resources
99
Are Services Confidential?
Yes. Receipt of EAP services are completely confidential. If participation in the
EAP is the direct result of a Management Referral (a referral initiated by Human
Resources), we will ask permission to communicate certain aspects of the
employee’s care (attendance at sessions, adherence to treatment plans, etc.)
to Human Resources. Human Resources will not receive specific information
regarding the referred employee’s case. Humana Resources will only receive
reports on whether the referred employee is complying with the prescribed
treatment plan.
CCA, Inc. | Customer Service: (800) 833-8707
www.myccaonline.com | Login Code: hollywood
© 2016, Gehring Group, Inc., All Rights Reserved
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