2021 Benefits Open Enrollment October 28th - November 11th - American Wood Fibers
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2021
Benefits
Open
Enrollment
October 28th –
November 11th
1
What is Open Enrollment?
• This is your opportunity to:
Join the Plan, if you are not a current participant
Make changes in coverage
Add dependents
Confirm, change or add life insurance beneficiaries
• Elections will become effective January 1, 2021, and remain in place until
next year’s annual Open Enrollment, unless you experience a qualifying
event. You have 30 days from the date of the change to notify Human
Resources of a qualifying event.
Change in marital status
Change in number of dependents
Change in employment status
2021 Open Enrollment: October 28th – November 11th
2
“Active” Open Enrollment
The annual enrollment period is a great time to review your current benefit
elections, make any necessary changes, elect new plans, update your
address, verify dependent and/or beneficiary information, etc.
3
Who is AssuredPartners?
AssuredPartners has provided brokerage and
administrative services for over 40 years to employers
and employees. We provide enrollment support,
dedicated account management and customer service
to provide superior assistance to all employees.
You have a dedicated 800 number and email address to help with benefit
questions such as general benefit questions, locating providers, claim issues,
prescription drug coverage etc.
awf@assuredpartners.com
1-800-330-8065, option 3
Monday – Friday; 8 am – 5:30 pm EST
4
What to expect…
Review the AWF Benefits Guide
Decide what benefits you would like beginning
January 1, 2021.
Gather social security numbers and dates of
births for all the dependents you are covering.
LOG-IN. All benefit eligible employees
are required to login to www.enroll.apbenefitadvisors.com to make
benefit elections (or waive coverage) for 2021. No paper enrollment
forms will be accepted this year. All changes must be submitted
online via the benefits website.
2021 Open Enrollment: October 28th – November 11th
5
Online Enrollment- How To?
Log On to: www.enroll.apbenefitadvisors.com
You will be prompted to enter the following:
Username: Enter Full Last Name plus the last 4 digits of your
social security number (no dashes e.g. jones1234)
Password: Enter the last 4 digits of your Social Security Number
(e.g. 1234)
All passwords were reset this year.
You will be prompted to change your password upon entering
site.
Click START MY ENROLLMENT
Enrollment ends on November 11th
Refer to page 3 in guide for full instructions
6
2021 Open Enrollment
Coverage Details
Medical • Carrier remains the same with UnitedHealthcare.
• We continue to offer a reduced rate for wellness participants!
• No changes to the plan designs for 2021.
• There is a small increase on payroll deductions for 2021.
HSA • The 2021 HSA contribution limits are $3,600 for individual and $7,200
for family.
FSA • HCFSA limit remains $2,500
• DCFSA limit remains $5,000
Dental • Carrier remains the same with MetLife.
• We continue to offer two dental plans to choose from (high and low).
• Payroll deductions remain the SAME for 2021!
Vision • Carrier remains the same with UnitedHealthcare.
• One plan option - no plan design changes.
• Payroll deductions remain the SAME for 2021!
7
2021 Open Enrollment
Coverage Details
Life/Disability • Carrier remains Mutual of Omaha.
• AWF continues to offer 100% company paid: Basic Life and AD&D for
Employees, Spouse & dependent(s)
Short-Term Disability • Option to purchase Short-Term Disability (STD). You may select STD at
Open Enrollment without having to answer any health questions or
complete a health statement! Per-pay rates are available when
enrolling online!
Long-Term Disability • You now have the option to purchase Long-Term Disability (LTD). You
may select LTD at Open Enrollment without having to answer any health
questions or complete a health statement! Per- pay rates are available
when enrolling online!
Pet Insurance • Get a group discount on a pet insurance policy through Nationwide for
your furry family members.
Employee Assistance • AWF offers a comprehensive EAP program at no cost to you!
Program (EAP) • All employees are eligible!
8
UHC Medical Plans
• UnitedHealthcare continues to be our
medical, prescription, and vision
insurance provider.
• Continue to have two medical plan
offerings:
• UHC Choice Plus High Deductible
Health Plan (HDHP) with Optional
HSA
• UHC Choice Plus PPO Plan
• In light of the pandemic, consider virtual
care options.
9
The HSA Plan is compatible with an HSA account and limited FSA.
10
Refer to page 6-7 in guide for additional detailsHealth Savings Accounts (HSA)
• Only employees who enroll in the Choice Plus Plan HDHP w/optional HSA
are eligible to participate in the HSA.
• Contribution Limits: You can choose to contribute additional funds to your
HSA on a before-tax basis up to the IRS annual Maximums.
• UHC will oversee the administration of both your plan and the HSA using
their partner- Optum Bank.
• IRS Maximum: $3,600 (Individual) & $7,200 (all other tiers)
• If you are or will be age 55 or over during the calendar year, you
may also make a "catch-up" HSA contribution of an additional
$1,000 each year.
11
Refer to page 6 in guide for additional detailsThe PPO Plan is compatible with an FSA account. 12 Refer to page 8-9 in guide for additional details
Medical/Rx Per Pay Cost
Please note that if you elect coverage for a spouse who is eligible for
coverage under another plan, you may receive a surcharge of $23.08
per pay added to the cost of the medical plan elected.
13
Refer to page 15 in guide for additional detailsWellness Credit
If you had a wellness check in 2020, the wellness credit will apply
for 2021.
The deadline for wellness checks to be submitted by your doctor to
UHC is December 1, 2020, to guarantee that the wellness rate will
show in your 1st paycheck of 2021.
A new hire or any enrolled employee may move to the wellness rate
during the year without waiting until the next Open Enrollment
provided they had a physical within the appropriate time frames.
Annual Wellness Discount effective 1/1/2021
Employee coverage = $183
Two-party coverage = $306
Family coverage = $612
14Cost Example
This example assumes that the employee is enrolled in the Wellness discount plan
PPO- Employee Only HSA- Employee Only
Annual Premium Cost $1,036.88 $691.60
Deductible $350.00 $1,400
Total $1,386.88 $2,091.60
PPO- Family HSA- Family
(without Spousal Surcharge) (without Spousal Surcharge)
Annual Premium Cost $7,297.16 $4,027.66
Deductible $1,050.00 $3,240.00
Total $8,347.16 $7,267.66
15Know before you go….
16Virtual Visits
Virtual Visits: $20 Copay for the PPO Plan and $50 or less for the HDHP/HSA Plan.
17UHC Nurseline
Coping with health concerns on your own can be tough. With so many
choices, it can be hard to know whom to trust for information and
support. NurseLine services can provide you with immediate answers to
your health questions any time, anywhere — 24 hours a day, 7 days a
week!
When you call, a registered nurse can help you:
• Discuss your options for the right medical care
• Find a doctor or hospital.
• Understand treatment options.
• Develop a healthy lifestyle
• Ask medication questions
• This is a service at no cost to UHC members
18
NurseLine Services 1-877-365-7949 24 hours a day/ 7 days a weekSpousal Surcharge Form
Employees who enroll their spouse in the AWF
Medical Insurance Plan may be required to pay and
additional surcharge of $23.08 per pay period should
the individual elect AWF coverage over or in addition
to their own employer’s plan.
NEW THIS YEAR: To remove the additional surcharge, a
spouse must certify they have no eligibility to enroll in
another plan by completing a Spousal Surcharge Form
and submit it by 12/1/20 to Human Resources.
This form can be obtained by downloading from the
“Library” in the enrollment site or from Human
Resources. The form must be submitted back to
Corporate Human Resources by 12/1/20 so the Spousal
Surcharge of $23.08 per pay is removed.
19Prescription Plan- UHC
Prescription Coverage
2021 Co-Pay 2021 Co-Pay
For HSA plan: Copays apply after
deductible is met.
For PPO plan : Copays are effective 31-day Supply 90-day Supply
immediately.
Tier 1 $10.00 $25.00
Tier 2 $30.00 $75.00
Tier 3 $50.00 $125.00
20
Refer to page 7 & 9 in guide for additional detailsGoodRx
www.GoodRx.com
21Dental - Metlife
22
Refer to page 11 in guide for additional detailsDental Per Pay Costs
Dental Bi-Weekly
Covered Annual
Description Cost to
Persons Coverage
Employee
Employee Only $6.25 $1,000
MetLife
Dental- Two-Party $12.59 $1,000
Low Option
Family $22.46 $1,000
Employee Only $8.53 $1,750
MetLife
Dental- Two-Party $17.17 $1,750
High Option
Family $30.64 $1,750
**No change for 2021**
23
Refer to page 15 in guide for additional detailsVision - UHC
Bi-Weekly Cost to
Vision Description Covered Persons
Employee
Employee Only $ 3.37
UHC Vision Network Two-Party $ 5.88
Family $10.40
Copays: Material Frequency:
• Exams- $10 • Comprehensive Exam- Once every 12 months
• Materials- $10 • Spectacle Lenses- Once every 12 months
• Frames- Once every 24 months
• Frame Allowance- $150
**No change for 2021**
24
Refer to page 12 in guide for additional detailsUHC Employee Portal
www.myuhc.com
25How to find a Provider
www.myuhc.com
26Basic Life Insurance
Life Insurance provides financial protection for your family in the event of your
death. American Wood Fibers offers all eligible employees life and accidental
death and dismemberment insurance through Mutual of Omaha.
Plan Features
100% paid by American Wood Fibers
1 times annual salary with a minimum
of $25,000 to a maximum of $50,000.
Basic Spouse: $2,000
Basic Dependent: $1,000
Online beneficiary selection required!
27
Refer to page 13 in guide for additional detailsVoluntary Term Life Insurance
and AD&D
Rates are provided for each Amount of Coverage for Employee:
increment with online enrollment– • Increments of $10k up to 5 x annual
NO calculation required! salary; maximum of $500k.
• Guaranteed Issue: $80k
Amounts requested in excess of the
Guarantee Issue amount will pend Amount of Coverage for Spouse:
for Evidence of Insurability (EOI) and • Increments of $5k to a maximum of 1x
approval from Mutual of Omaha. Employee Vol Life (not to exceed $250k).
Rates based on employee’s age.
If you currently have Voluntary • Guaranteed Issue: $30k
Employee Life Insurance, you may Amount of Coverage for Child:
increase $10,000 without EOI up to
• Flat $10k (some age restrictions)
the Guarantee Issue Amount during
Open Enrollment. • Guaranteed Issue: $10k
28
Refer to page 13 in guide for additional detailsVoluntary Short-Term Disability
To ensure a portion of your income will continue if you are
unable to work due to a disability, American Wood Fibers
provides all eligible employees the option to purchase Short-
Term Disability coverage with Mutual of Omaha.
Plan Features:
100% employee paid.
Benefit Amount: 60% of basic weekly
earnings to a maximum of $600/week
Benefit Duration: up to 26 weeks
Benefits Waiting Period: 30 days
Refer to page 14 in guide for additional details 29Voluntary Long-Term Disability
The Company offers you the option to purchase long-term
disability (LTD) benefits through Mutual of Omaha for
coverage of extended disabilities.
Plan Features:
100% employee paid.
Benefit Amount: 60% of basic weekly
earnings to a maximum of $5000/month
Benefit Duration: up to SSNRA
Benefits Waiting Period: 180 days
Refer to page 14 in guide for additional details 30Flexible Spending Accounts
• Maximum contribution limits: to the Healthcare FSA is $2,500 and the
limit for Dependent Care FSA is $5,000 or $2,500 if you are married and
file a separate tax return.
• Limited HCFSA if HSA Plan elected (Vision and Dental)
• Important: expenses must be incurred during the plan year and while
you are a plan participant to be eligible for reimbursement. You have 90
days after the end of the plan year to file a reimbursement claim.
31
Refer to page 16 in guide for additional detailsEmployee Assistance Program
Life is not always easy or predictable. It presents many challenges both at work and
at home on a daily basis. You do not have to face these challenges alone. No situation
is too big or too small!
EAP Services for Employee and Families
In-person help with short-term issues (up to 5 counseling sessions)
Toll free phone and Web access 24/7
Online assistance with eldercare, child care and other family life
resources.
Get help 24/7 with teen and adolescent issues, including eating
disorders, relationships, depression, substance abuse and more.
Legal Assistance, Financial Coaching & Identity Theft Resolution.
100% paid for by AWF for all employees!
Visit MagellanAscend.com
or call 800-523-5668 for
confidential consultation and
resource services.
32CARE Program
• In an effort to further advance our AWF wellness initiatives, NEW for 2021
we have developed the CARE Program. This program will enable
employees the opportunity to obtain up to eight (8) hours of paid time off
to focus on wellness and self-care when they attend an appointment with
a specialized medical provider. Additional details on this benefit
program will be forthcoming.
Program Features: Program Features:
Examples of Specialized Examples of Services or
Health Professionals: Procedures (not inclusive):
Chiropractor Mammograms
Dermatologist Prostate Screening
Endocrinologist Colonoscopy
Mental Health Specialist and more…
Refer to page 17 in guide for additional details 33Pet Insurance - Nationwide
Easy enrollment: There are three simple ways for you to sign up for the new pet insurance
voluntary benefit.
1. Go directly to the dedicated URL: http://www.petinsurance.com/awf
2. Visit PetsNationwide.com and enter American Wood Fibers
3. Call (877) 738-7874 and mention that you are an employee of American Wood Fibers, Inc. to
receive preferred pricing
34Open Enrollment Recap
Open Enrollment begins
Wednesday, October 28th – Wednesday, November 11th.
AWF Benefit Guides are being distributed at each plant and will be available
online for immediate access.
Please note that if you elect coverage for a spouse who is eligible for coverage
under another plan, you may receive a surcharge of $23.08 per pay added to
the cost of the medical plan. Please see the Spousal Surcharge Form for
additional details.
This is an “ACTIVE” open enrollment, which means you must complete your
enrollment in the benefits website by November 11th! With the exception of
company paid benefits, current elections will NOT automatically carry over
into 2021!
*Note – after open enrollment, you cannot change your elections throughout the year unless there is a life event change
such as: marriage, divorce, birth or adoption of a child, reduction in work hours, change in spouse’s employment. You have
30 days after the life event to make changes to your benefits. You will need to provide verification of the life event. See your
Benefit Guide for types of verification needed.
35American Wood Fibers
Benefits Helpline:
• 1-800-330-8065, option 3
• awf@apbenefitadvisors.com
PLEASE NOTE: This presentation provides a summary of the benefits available, but is not your Summary Plan Description (SPD). The
plans described in this presentation are governed by insurance contracts and plan documents, which are available for examination
upon request. We have attempted to make the explanations of the plans in this presentation as accurate as possible. However, should
there be a discrepancy between this presentation and the provisions of the insurance contracts or plan documents, the provisions of
the insurance contracts or plan documents will govern.
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