Employee Benefits Guide 2020-2021 - te - City of Goodyear
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2020-2021
Employee Benefits Guide
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Dear Goodyear Team Member,
We are excited to present the 2020 Benefits Guide. It summarizes the key benefits offered to eligible team members.
The well-being of our team members is a central component of our “Whole Employee” philosophy, therefore a focus
on well-being continues to be a top priority for the City. In pursuit of our focus on well-being, we continually assess
our benefit offerings to ensure our benefits effectively support our goals.
The city offers a wide-range of benefits and well-being initiatives to help you maintain or achieve optimal health. Our
benefit package includes low-cost medical, dental, vision, life insurance and access to the Goodyear Wellness Center.
The programs are designed to support all aspects of your total well-being and that of your eligible family members.
This year, we are pleased to introduce the following benefit enhancements:
• HMO plan will no longer require referrals and will have a larger network
• Three new Telehealth options are now available
• Dental HMO plan will have a larger network
• The Dental plan year will now align with the fiscal year (July1st- June 30th)
• Avesis Vision contact lens allowance will increase from $110 to $130
• HSA contribution limit increased from $3,500 to $3,550 for individual and from $7000 to $7,100 for family
• Medical Flexible Spending Account contribution maximum increased from $2,700 to $2,750
• Supplemental Life insurance — additional $10,000 guaranteed issue for employees who have a voluntary
life insurance of $90,000 or less during open enrollment only
• Elections to increase supplemental life insurance now available year-round (evidence of insurability will
be required)
Although, the city will experience a 3.0% cost increase for medical insurance, because of the method that we will
begin capturing the expenses for the Wellness Center, telemedicine, wellness initiatives and other healthcare benefits,
employees will experience a slight decrease in their medical premiums. Also this year, we are pleased to again have
ZERO increase in costs for our dental and vision insurance plans.
We value you and understand our team members deliver their best work when their Mind, Body and Heart are at
optimum health and engaged in the work we do as a city. This is why we are invested in your well-being and why
focusing on the “Whole Person” is a central element of our culture.
Thank you for your continued service and contributions to the city of Goodyear.
The HR Team
2 City of Goodyear, Arizona 2020-2021 Benefits Guide
Table of Contents
Cigna One Guide . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
What's New for FY20-21 . . . . . . . . . . . . . . . . . . . . . . . . . . 5
How to Confirm, Enroll, or Change Benefits . . . . . . . . . 5
CIGNA Pre-Enrollment Hotline . . . . . . . . . . . . . . . . . . . . . 5
Dependent Eligibility / Qualifying Event . . . . . . . . . . . . 6
MyCigna Mobile App . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Medical Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
Healthy Pregnancy Program . . . . . . . . . . . . . . . . . . . . . . . 9
Telehealth/Telemedicine Options . . . . . . . . . . . . . . . . . 10
Health Savings Account (HSA) . . . . . . . . . . . . . . . . . . . . 12
Flexible Spending Account (FSA) . . . . . . . . . . . . . . . . . 14
Dental Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Vision Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Employee Assistance Program (EAP) . . . . . . . . . . . . . . 17
Life Insurance and Accidental Death &
Dismemberment Insurance . . . . . . . . . . . . . . . . . . . . . . 18
Business Travel / Commuter Travel Life Insurance . . . 18
Family and Medical Leave Act (FMLA) . . . . . . . . . . . . . 19
Disability Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Retirement Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
Aflac Accident Advantage, Hospital Advantage
and Cancer Care . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22
Additional Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
Identity Guard Identity Theft Protection . . . . . . . . . . . . 25
MetLife Legal Services . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
Provider Contact Information . . . . . . . . . . . . . . . . . . . . . 26
Goodyear Wellness Center . . . . . . . . . . . . . . . . . . . . . . . 28
Empathy —Be respectful, kind and aware. 3
CHOOSE A PLAN
WITH CONFIDENCE
Cigna One Guide service can help.
At Cigna, we understand how confusing and overwhelming
it can be to review your health plan options. And we want After enrollment, the support continues
to help by providing the resources you need to make a for Cigna customers.
decision with confidence. That’s why Cigna One GuideSM is When you enroll with Cigna, your One Guide
available to you now – whether you’re a current Cigna representative will be there to guide you through
customer or considering Cigna for the first time. the complexities and unclear jargon of the health
Call a Cigna One Guide representative during care system, and help you avoid costly missteps.
preenrollment to get personalized, useful guidance. The goal is a simpler health care journey for you
and your family.
Your personal guide will help you:
Cigna’s One Guide service provides personalized
› Easily understand the basics of health coverage assistance to help you:
› Identify the types of health plans available to you that › Resolve health care issues
best meet the needs of you and your family
› Save time and money
› Check if your doctors are in-network to help you avoid
› Get the most out of your plan
unnecessary costs
› Get answers on any other questions you may have › Find the right hospitals, dentists and other health
care providers in your plan’s network
about the plans or provider networks available to you
The best part is, during the enrollment period, your › Get cost estimates
personal guide is just a call away. Should you forget to ask › Understand your bills
something and need to call back, simply ask for your
guide by name and we’ll reconnect you, so you can pick
› Navigate the health care system
up where you left off.* Get it all in the way that’s most convenient for you.
› Call
Don’t wait until the last minute. › Access the Cigna One Guide support tool by
Call 888.806.5042 to speak with a One Guide downloading the myCigna App**
representative today.
Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates.
* Subject to representative availability. ** The download and use of the myCigna mobile app is subject to the terms and conditions of the app and the online stores from which it is downloaded.
Standard mobile phone carrier and data usage charges apply.
Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and
complete details of coverage, see your plan documents.
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC) and Connecticut
General Life Insurance Company (CGLIC). Policy forms: OK - HP-APP-1 et al (CHLIC), GM6000 C1 et al (CGLIC); TN - HP-POL43/HC-CER1V1 et al (CHLIC). The Cigna name, logo, and other Cigna
marks are owned by Cigna Intellectual Property, Inc. All pictures are used for illustrative purposes only.
4 890339
City09/16 © 2016 Cigna.
of Goodyear, Some content
Arizona provided under
2020-2021 license. Guide
Benefits
What’s NEW for FY20-21
■ HMO plan name slightly changed to OAPIN/HMO, no referrals required and larger network
■ Mail order for 90 day prescriptions has changed to Express-Scripts which is owned by Cigna
■ 3 new Telehealth options: The two options with Cigna are Amwell & MDLive for employees covered under the
medical plan and third option with CareATC is with WellVia which is available for all benefit eligible employees
regardless of city benefits selected
■ Dental HMO plan will have a slightly larger network
■ The Dental HMO & Dental PPO plan year will now be fiscal year (July1st- June 30th)
■ Avesis Vision contact lens allowance will increase from $110 to $130
■ Individual IRS HSA contribution limit increased from $3,500 to $3,550 and the Family contribution limit increased
from $7000 to $7,100
■ Medical Flexible Spending Account contribution maximum increased from $2,700 to $2,750
■ Supplemental Life insurance — additional $10,000 guaranteed issue for employees who currently have a voluntary
life insurance of $90,000 or less during open enrollment only
■ Elections to increase supplemental life insurance will be available year -round not just during open enrollment
(evidence of insurability will be required)
■ The MetLaw Legal plans has changed names to MetLife Legal Plans
! All employees How to Confirm, Enroll, or Change
must log-in to confirm Benefits for the FY20-21 Plan Year
current benefits
even if there are Benefits/Enrollment Website: goodyearaz.gov/ess
no changes.
Enter your Username and Password
click: Log in
If you are a new user:
then select the Benefits link
Your User ID is your Employee Number.
Your Password is the last four digits of
on the left, then Open Enrollment
your Social Security Number.
Questions regarding web site access should be directed to Human Resources.
CIGNA
CARING THAT YOU MAKE THE RIGHT CHOICE
Help is Here
Need help deciding which Cigna coverage is right for you? Don’t wait, Call 888-806-5042 to speak
The information you’re looking for is just a phone call away! with a Cigna representative today.
Optimism —Be hopeful, resilient and positive. 5
Dependent Eligibility / Qualifying Event
Eligible Dependents Include: Proof of Dependent Eligibility: Adding or Removing a Dependent:
• Your legal spouse; Employees need to provide proof If you have someone who is
of eligibility documentation (i.e. listed as a dependent and you
• Your eligible children up birth certificate or marriage would like to remove or add
to age 26 (Children are
license, etc.) when adding a them to your health coverage,
defined as your natural
new dependent to their benefits there must be a Qualifying Event
children, step children,
coverage. This requirement is for mid-year changes or during
legally-adopted children,
to ensure legal compliance and open enrollment without a
children for whom you are
is intended to aid in the city’s qualifying event.
the legal guardian);
continuing effort to control
• Your dependent children of health care costs. ! Newborns are not
any age who are physically automatically covered
or mentally unable to care by the medical plan.
for themselves. You must go on to ESS
to enroll your child within
31 days of birth to elect
coverage.
Qualifying Events Include, But Making Qualified Event Changes: Modification of Coverage Due to a
Are Not Limited To: Qualifying Event:
If you have a qualifying event,
• Change in eligible you can make certain changes Once you make your benefit
dependents due to the birth, during the plan year. However, elections during Open
adoption, or death; you must make your enrollment Enrollment, these choices will
changes within 31 days of the remain in effect until the next
• Gain or loss of dependent event by logging into ESS. If you plan year unless you have a
status (i.e., your child
do not make the changes within qualifying event.
reaches the age limit for
31 days, you will have to wait
eligibility);
until the next Open Enrollment
• Change in legal marital to make new elections.
status (i.e., marriage, divorce,
or death of spouse);
• Change in employment
status, such as starting or
ending employment, for
your spouse or your children.
6 City of Goodyear, Arizona 2020-2021 Benefits Guide
Goodyear Employee Wellness Program
The city of Goodyear recognizes that people are our greatest asset. That’s why we support the Whole Employee through
our well-being, safety and learning & development programs. When it comes to well-being, we see the holistic health of
the individual as vital to the success of our organization. Health, in this instance, refers to more than the physical, but to
financial, social, mental, and career well-being. We recognize that people cannot compartmentalize their lives and must
constantly adjust to negotiate ever changing circumstances in an ever changing world. We look to meet and support our
employees and their families in this through free education, screenings, counseling sessions and stress-less activities. It’s
not simply about being a better employee. It’s about being a happier YOU!
Intellectual Stimulation
Interpersonal Relationships Creativity
Trust Focus
Enjoyment Realistic Optimism
Empathy/Caring
Meaning/Purpose Nutrition
Service to Others Exercise
Character Hydration
Conscience Rest
Information on well-being offerings is communicated through monthly calendars and email blasts. If you would
like to be included on these blasts contact Carrie.Lumia@goodyearaz.gov. To view available events and to sign
up, log into Target Solutions.
YOUR HEALTH HAS MET ITS APP®
myCIGNA
mobile app
Life can be busy and complicated. So, we created a simple-to-use Use the myCigna Mobile App, to log in anytime, anywhere to:
tool that can help make your life easier (and healthier) while you’re › Manage and track claims
on the go. The myCigna Mobile App helps you personalize, organize › View, fax or email ID card information
and access your important plan information on your phone or tablet. › Find doctors and compare cost and quality ratings
The app has a new look and feel and it’s available in Spanish too! › Review your coverage
› Track your account balances and deductibles
› Submit receipts for reimbursement from your Cigna HRA and/or FSA
Download the myCigna Mobile App › Refill your Cigna Home Delivery Pharmacy prescriptions online
for your mobile device. and view order history
Disponible en Español. › Compare prescription drug prices at thousands of pharmacies
Available on Google Play, Apple App Store,
in our network
Amazon AppStore and BlackBerry World.
Integrity —Be consistent, trustworthy and transparent. 7Medical Plans
Provided by CIGNA
Customer Service Number: 800-244-6224
Group #3208752
Website: mycigna.com
CIGNA
OAPIN/HMO HDHP with HSA** Open Access Plus/PPO
GROUP #3208752
Network Used OAP OAP OAP
Referral Required No No No
Out-of-Network No Yes Yes
Deductible $750 per person $1,750 Employee Only $500 per person
$1,500 Family $3,200 Family $1,000 Family
Out of Pocket Maximum $1,250 per person $2,750 Employee Only $1,000 per person
(Deductible Included) $2,500 Family $4,200 Family $2,000 Family
What is included in the Out-of-Pocket Maximum? Deductible, Coinsurance, and ALL Copays (Office Visits, Urgent Care, ER and Prescriptions)
Primary Care Physicians $20 Copay *You pay 10% after deductible $25 Copay
Specialists $35 Copay *You pay 10% after deductible $50 Copay
Telehealth $0 $55 until deductible is met $0
Urgent Care $50 Copay *You pay 10% after deductible $75 Copay
Emergency Room $200 Copay *You pay 10% after deductible $250 Copay
Laboratory Services Plan Pays 100% *You pay 10% after deductible *You pay deductible only
(Doc Office & Independent Lab)
Radiology Services Plan Pays 100% after deductible *You pay 10% after deductible *You pay deductible only
Complex Imaging Plan Pays 100% *You pay 10% after deductible *You pay deductible only
(MRI, CT, PET)
Preventive Care NO COST
for certain Screenings, Immunizations, Routine Physicals, Mammography
Inpatient Hospital / Surgery You pay deductible only *You pay 10% after deductible $100 Copay, after deductible
Outpatient Surgery You pay deductible only *You pay 10% after deductible $100 Copay, after deductible
Ambulance Plan Pays 100% *You pay 10% after deductible Plan Pays 100%
Prescription-Tier 1 (30-day) $10.00 *You pay 10% after deductible $15.00
Prescription-Tier 2 (30-day) $30.00 *You pay 10% after deductible $35.00
Prescription-Tier 3 (30-day) $50.00 *You pay 10% after deductible $60.00
Prescription-Mail Order (90-day) $25 / $75 / $125 *You pay 10% after deductible $38 / $88 / $150
* When you go to a contracted provider you receive the Cigna contracted discount. What you pay will then be applied towards your deductible & out of pocket maximum.
Please note the benefits shown above are In-Network ONLY. Refer to plan summaries for detailed information for Out-of-Network benefits.
** HSA (1750) City of Goodyear contributes as follows: $500 Employee, $1,000 Employee/Spouse, Employee/Child(ren), or Family.
8 City of Goodyear, Arizona 2020-2021 Benefits GuideMedical Plans
Your cost per pay period (24 pay periods)
Employee benefit premiums will be deducted from 24 pay periods per year. Months containing three pay check cycles
will only have benefits deducted from the first two checks of that month.
EMPLOYEE'S PREMIUM PER PAY PERIOD CITY'S MONTHLY PREMIUM
WELLNESS OAPIN/HMO HDHP with OAP/PPO OAPIN/HMO HDHP with OAP/PPO
ENGAGEMENT RATES* HSA HSA
Employee $23.99 $20.70 $24.61 $637.48 $550.06 $654.04
Employee + Spouse $137.60 $112.76 $132.71 $1,343.64 $1,101.04 $1,295.90
Employee + Child(ren) $96.71 $94.74 $119.45 $944.32 $925.06 $1,166.40
Employee + Family $171.69 $163.88 $192.39 $1,676.48 $1,600.20 $1,878.58
*Employee must complete the health screening and two wellness events each plan year to continue
receiving the Wellness Engagement Rate.
STANDARD RATES OAPIN/HMO HDHP with OAP/PPO OAPIN/HMO HDHP with OAP/PPO
HSA HSA
Employee $58.26 $50.27 $59.78 $568.94 $490.92 $583.70
Employee + Spouse $218.54 $179.08 $210.78 $1,181.76 $968.38 $1,139.76
Employee + Child(ren) $153.60 $150.46 $189.72 $830.56 $813.62 $1,025.86
Employee + Family $272.68 $260.28 $305.55 $1,474.48 $1,407.42 $1,652.24
Healthy Pregnancy Program
Hea
When you enroll in Cigna Healthy Pregnancies, Healthy Babies and
lthy Mom & Ba
complete the program, including your postpartum check-in, you’ll be
eligible to receive a:
$150 if you enroll
$75 if you enroll
by
in the first in the second
gift card trimester. gift card trimester.
Enroll today. Call 800.615.2906.
Your Cigna medical Once you reach the 28th week of pregnancy, you can
plan includes coverage get a breast pump through Cigna at no additional cost.
for a breast pump at To order your breast pump, please contact CareCentrix at
no additional cost. 877.320.2301. You can also go online to medeladelivers.com.
Innovation —Be resourceful, progressive and curious. 9If you have Cigna insurance through the city of Goodyear,
you are eligible to use the Cigna Telehealth Connection.
THE CARE YOU NEED –
WHEN, WHERE AND
HOW YOU NEED IT.
Cigna Telehealth Connection.
Choice is good. More choice is even better.
Cigna provides access to two telehealth services as part of your medical Cigna Customers:
plan – Amwell and MDLIVE. Signing up is easy!
Cigna Telehealth Connection lets you get the care you need – including most › Connect to both Amwell
prescriptions (when appropriate) – for a wide range of minor conditions. and MDLIVE through
Now you can connect with a board-certified doctor via video chat or phone, myCigna.com. No separate
without leaving your home or office. When, where and how it works best login needed.
for you! › Complete a medical history
Choose when: Day or night, weekdays, weekends and holidays. using their “virtual clipboard”
Choose where: Home, work or on the go.
Choose how: Phone or video chat. Choose with confidence
Choose who: Amwell or MDLIVE doctors. Amwell and MDLIVE are both
quality national telehealth providers,
Say it’s the middle of the night and your child is sick. Or you’re at work and so you can choose your care
not feeling well. If you pre-register with one or both Amwell and MDLIVE, confidently. When you can’t get to
you can speak with a doctor for help with: your doctor, Cigna Telehealth
Connection is here for you.
› Sore throats › Fever › Rashes › Bronchitis
› Headaches › Colds and flu › Shingles › Urinary tract
Register for one or both today so
you’ll be ready to use a telehealth
› Stomachaches › Allergies › Acne infections
and more
service when and where you need it.
AmwellforCigna.com**
The cost savings are clear.
855.667.9722
Televisits with Amwell and MDLIVE can be a cost-effective alternative to a
convenience care clinic or urgent care center, and cost less than going to
the emergency room. And the cost of a phone or online visit is the same or
MDLIVEforCigna.com**
less than with your primary care provider. Remember, your telehealth
888.726.3171
services are only available for minor, non-life-threatening conditions. In an
emergency, dial 911 or go to the nearest hospital.
On the go? No problem. Download
the MyCigna® App* and you’ll be
able to access both telehealth
providers.
Offered by Cigna Health and Life Insurance Company or its affiliates.
899963 d 02/19
10 City of Goodyear, Arizona 2020-2021 Benefits GuideTelemedicine
All employees eligible for medical
insurance can use this free telemedicine
service regardless of benefits election
24/7/365
What you need to know Telemedicine benefits How to activate your account
provided by
No-Cost Telemedicine
❶ Download the CareATC mobile app
U.S. board-certified physicians or log in to the patient portal at
24/ 7/365 careatc.com/patients
⊲ On call anytime, anywhere
⊲ Multilingual availability
First Time Users: Select Activate
Illness doesn’t just strike from
Nationwide network your account and follow the prompts.
8 to 5, Monday - Friday.
Unfortunately, it hits in the wee-hours 100% HIPAA compliant Established Patients: Log in with
or when you’re away from home. your username and password.
Three easy ways to access
Activate your account today —
Telemedicine: ❷ Click Telemedicine and register
before you need it. your personal info in order to start
Pre-register each of your dependents, CareATC App a consultation with one of the
to be enrolled and ready for care when careatc.com/patients telemedicine network physicians.
the unexpected happens.
877.230.9404
WEB-00269
Adaptability —Be a champion, purposeful and connected. 11Health Savings Account (HSA)
If you enroll in a city high-deductible health plan (HDHP), you may be eligible to
open and fund an HSA account. An HSA is a personal health care savings account that you
can use to pay out-of-pocket health care expenses with pre-tax dollars. Your contributions are tax free,
and the money remains in the account for you to spend on eligible expenses no matter where you work
or how long it stays in the account.
CITY OF GOODYEAR CONTRIBUTION TO EMPLOYEE HSA
HSA (1750)
Employee Only $500
Employee + Spouse or Child $1,000
Employee + Family $1,000
Note: New Hire contributions are prorated based on hire date.
The city contribution to an employee’s HSA is noted above. The employee may also elect to make contributions into
the HSA. The annual city contributions and the employee contributions are front-loaded the first of the month following
the employees hire date for new employees and July 1 of each year thereafter.
Contributions to an HSA (including city contributions) cannot exceed the annual IRS contribution maximums:
Individual IRS HSA contribution limit increased from $3,500 to $3,550
2020 IRS HSA contribution maximums:
• Individual coverage: $3,550
• All other coverage tiers: $7,100
• Employees age 55+ by 12/31 may contribute an additional $1,000
HSA ELIGIBILITY
You are eligible to open and fund an HSA if:
• You are enrolled in the city HDHP
• You are not covered by a non-HSA plan, health care
FSA or health reimbursement arrangement
• You are eligible for a Limited Flex Spending Account
(excludes Medical reimbursement)
• You and/or your dependents are not eligible to be
claimed as a dependent on someone else’s tax return
• You are not enrolled in Medicare, Medicaid or TRICARE for Life
12 City of Goodyear, Arizona 2020-2021 Benefits GuideMAXIMIZE YOUR TAX SAVINGS
• Contributions to an HSA are tax free and can be made through payroll deduction on a pre-tax basis when you
open an HSA through HSA Bank
• The money in your HSA (including interest and investment earnings) grows tax free
• As long as you use the funds to pay for qualified medical expenses, the money is spent tax free
USE YOUR HSA TO PAY FOR QUALIFIED MEDICAL EXPENSES
• You can use your HSA money to pay for eligible expenses now or in the future
• Funds in your HSA can be used for your expenses and those of your spouse and eligible dependents, even if they
are not covered by the city HDHP
• Eligible expenses include deductibles, doctor’s office visits, dental expenses, eye exams, prescription expenses
and LASIK eye surgery
• A complete list of eligible expenses can be found at irs.gov/pub/irs-pdf/p502.pdf
THREE EASY WAYS TO ACCESS YOUR HSA MONEY
• Debit Card — Draws directly from your HSA and can be used to pay for eligible expenses at your doctor’s office,
pharmacy or other locations where you purchase health-related items or services
• Pay bills online — Send payments directly to your health care providers, pharmacy or other payees for eligible
expenses you pay out of your pocket
• Reimburse yourself — Schedule an electronic account transfer through the HSA Bank website or ATM withdrawal
to pay yourself back for eligible expenses you paid out of your pocket
YOUR HSA IS AN INDIVIDUALLY OWNED ACCOUNT
• You own and administer your HSA
• You determine how much you will contribute to your account and when to use the money to pay for eligible health
care expenses
• Like a bank account, you must have a balance in order to pay for eligible health care expenses
• Keep all receipts for tax documentation
• An HSA allows you to save and roll over money from year to year
• The money in the account is always yours, even if you change health plans or jobs
• There are no vesting requirements or forfeiture provisions
You must have qualifying coverage as defined by the IRS in order to contribute to an HSA or you will risk adverse tax consequences. If you are enrolled in another plan that is not
! considered qualifying under the IRS guidelines you are not eligible to receive the city’s employer HSA contribution or contribute your own monies on a pre-tax basis. Please refer to
IRS Publication 969 (irs.gov/uac/About-Publication-969) for additional information.
health
savings medical costs dental costs vision costs prescription costs
account
advantages save for future health-related expenses tax savings
Initiative —Be a leader, proactive and a problem solver. 13Flexible Spending Account (FSA)
Provided by TASC
Customer Service Number: 800-422-4661
Website: tasconline.com
Flexible Spending Account maximum for medical has increased from $2,700 to $2,750.
To help you save money on health care and dependent care costs, the city of Goodyear is happy to offer our employees
Flexible Spending Accounts. The purpose of a Flexible Spending Account is to allow you to set money aside on a pre-tax
basis to cover expenses that are not otherwise covered under a traditional medical, dental or vision plan.
The city of Goodyear pays 100% for all administrative costs associated with the Flexible Spending Account.
There are two types of Flexible Spending Accounts available to you: a Health Care Reimbursement Plan and a
Dependent Care Reimbursement Plan. Both plans are explained below.
Healthcare FSA
Health Care Spending Accounts offer employees the opportunity to pay for eligible out-of-pocket medical costs with
pre-tax dollars. The maximum annual allowable amount is $2,750. Health Care Spending Accounts cover an endless list
of eligible expenses for which an employee can seek reimbursement. If you are covered by a High Deductible - Health
Savings Account Plan, you are eligible to enroll in a “Limited” Healthcare FSA which allows you to use these funds
for dental and vision expenses. Medical expenses must be incurred by June 30 of each plan year and submitted by
September 30 to be eligible for reimbursement. Participants will be eligible to carry over up to $500 of the previous
year’s balance into the next plan year.”
! If an employee terminates employment prior to incurring a planned expense, the money is FORFEITED. However, the
employee could elect to continue participation through COBRA and submit expenses past their termination date.
Dependent Care FSA
Employees can use this account to pay for eligible dependent care expenses with pre-tax dollars up to $5,000 per family
per year. The option is a replacement for the federal childcare tax credit. Each plan year, employees elect the amount
they will use pre-tax for dependent care expenses to be deducted in equal increments from their paycheck. The monies
are held in a separate account for each employee until the employee submits an eligible dependent care expense claim.
Unlike the Health Care Account, only the amount that has been deducted to date can be reimbursed to participants.
Important Notes:
• Both spouses must work or attend school full time to take advantage of this benefit.
One very important point to note is that once you determine what your pre-tax elections will be for the year for Health
Care reimbursement and Dependent Care reimbursement, you cannot change those elections unless you have one of
the following qualifying events occur:
• Birth • Death • Adoption
• Marriage • Divorce • Change in employment status of a spouse
! Unless you have a qualifying event, you must wait until the next open enrollment period to make changes to your
contribution amount. Also, understand that you need to use all the money each year that you set aside. If you do
not use all the money by September 15 of each year, the money will be FORFEITED. So make sure you calculate your
expenditures accurately so that you can get the most for your (tax-free) money!
14 City of Goodyear, Arizona 2020-2021 Benefits GuideDental Plans
Provided by CIGNA
Customer Service Number: 800-244-6224
Website: mycigna.com
CIGNA GROUP #3208752 DHMO PPO
Deductible (July 1 thru June 30) None $50 Individual / $150 Family
Waived for Preventative Services
Preventative Services *No charge **Plan pays 100%
Cleaning, Bitewing Xrays
Basic Services Scheduled Co-pays **Plan pays 100% after the deductible
Fillings, Simple Extractions See Plan Summary
Major Services Scheduled Co-pays **Plan pays 60% after the deductible
Root Canals, Deep Cleanings, Crowns, Bridges, See Plan Summary
Dentures, Implants
Orthodontia / Braces Scheduled Co-pays **Plan pays 50% / child only; up to age 19
Adult and Child
Annual Maximum Benefit Unlimited Benefits $1,500 per person plus preventative care
Ortho Lifetime Benefit Unlimited Benefits $1,500 per child
Additional Plan Information Limited Network Ability to go to a contracted or non-
Referrals Needed contracted Dentist
*Charges apply for additional services or services that are outside of the allowed time frame.
**These are In-Network Benefits. Refer to the full PPO Plan Summary for Out-of-Network Benefits.
Your cost per pay period (24 pay periods)
Cigna Dental – PPO plan will no longer count prevented expenses in the annual maximum.
That means the full $1500 can be used for major dental expenses.
EMPLOYEE'S PREMIUM PER PAY PERIOD CITY'S MONTHLY PREMIUM
DHMO PPO DHMO PPO
Employee Only $1.06 $10.89 $40.18
Employee + Spouse $12.32 $21.54 $58.46
No Cost
Employee + Child(ren) $17.72 $30.43 $82.67
Employee + Family $23.36 $40.10 $109.00
Empathy —Be respectful, kind and aware. 15Vision Plan
Provided by Avesis
Customer Service Number: 800-828-9341
Website: avesis.com
AVESIS GROUP #30781-1013 In Network Benefit Out-of-Network Reimbursement
Eye Exam Co-Pay $10 Up to $40
Eye Glasses or Contact Lenses
Materials Co-Pay $20 N/A
Frames *Up to $150 Retail Value or
$50 Wholesale
Up to $45
Standard Lenses
Single Vision 100% after materials co-pay Up to $40
Bifocal 100% after materials co-pay Up to $60
Trifocal 100% after materials co-pay Up to $80
Lenticular 100% after materials co-pay Up to $80
Standard Progressives Covered up to $50, plus 20% Up to $40
off retail
Lens Options Up to 20% off retail Not covered
**Contact Lenses
Elective $130 allowance $130
Medically Necessary Covered in full $250
Benefit Frequency
Eye Exam Once every 12 months Once every 12 months
Lenses or Contact Lenses Once every 12 months Once every 12 months
Frames Once every 12 months Once every 12 months
*Values provided may be more or less depending on the provider's retail pricing.
**Prior authorization is required for medically necessary contacts.
EMPLOYEE'S PREMIUM PER PAY PERIOD
VISION
Employee Only $2.83
Employee + Spouse $4.94
Employee + Child(ren) $5.93
Employee + Family $7.36
16 City of Goodyear, Arizona 2020-2021 Benefits GuideEmployee Assistance Program (EAP)
Provided by CIGNA
Employer ID: goodyearaz
Customer Service Number: 877-462-3652
Website: cignabehavioral.com
Just when you think you have it all figured out, along comes a challenge. But whether those challenges are big or
small, the EAP is available to help you and your family find a solution and restore your peace of mind. The EAP is
available by phone 24/7 at no cost to you. Benefits provide up to five free sessions for you and your household
members. For sworn personnel, twelve sessions per issue plus an additional 24 employer paid visits under HB
2502 Public Safety: Traumatic Event Counseling.
EAP Services Include:
• Counseling: Face-to-Face sessions with a counselor in your area
• Consultation and support by phone: Consultations may be related to questions about behavioral health related
topics, assistance with problem identification, problem-solving skills, approaches and/or resources to address
behavioral concerns
• Legal assistance: Free, 30-minute consultation with an attorney face-to-face or by phone
• Financial: Free 30-minute telephonic consultation by phone with a qualified specialist on issues such as debt
counseling or planning for retirement
• Child care: Resources and referrals for child care providers, before and after school programs, camps, adoption
organizations and information on parenting questions and prenatal care
• Elder care: Resources and referrals for home health agencies, assisted living facilities, social and recreational
programs, and long-distance care giving
• Pet care: Resources and referrals for pet sitting, obedience training, veterinarians and pet stores
• Identity theft: 60-minute free consultation with a fraud resolution specialist
Available 24/7/365 to you and
your household members
Optimism —Be hopeful, resilient and positive. 17Basic Life Insurance and
Accidental Death & Dismemberment Insurance
Provided by The Standard
Group Number: 752920
Customer Service Number: 800-547-9515
Website: standard.com
As a city of Goodyear employee, you automatically receive basic life coverage for yourself in the amount of two times
your annual base salary up to $400,000. Life Insurance provides financial security for the people who depend on you.
Your beneficiaries will receive a lump sum payment if you pass away while employed. The city also provides a $2,000
flat insurance benefit for spouses and a $1,000 flat life insurance benefit for children. As an eligible employee, you
are covered for Basic Life insurance at no cost to you.
Accidental Death and Dismemberment (AD&D) Benefit
If death is as a result of an accident, the beneficiary will receive an amount equal to four times your annual base
salary. If the employee is dismembered (such as loss of sight in an eye, loss of a hand, foot, limb, hearing, speech,
etc.), benefits will be paid to the employee as a percentage of the basic life amount. This benefit is provided by the
city at no cost to you.
Supplemental Life Benefit
The city also offers additional life insurance coverage for you to purchase for yourself, your spouse and your children.
Increases to the supplemental life benefit can be made year-round.
Coverage for You
• Minimum insurance amount: $10,000
• Maximum insurance amount: $300,000 or five times your salary, whichever is less
• $100,000 guaranteed issue amount in the first 30 days of hire
• Evidence of Insurability is required for insurance amounts above $100,000
Coverage for Your Spouse
• Minimum insurance amount: $5,000
• Maximum insurance amount: 50% of your employee amount
• $50,000 guaranteed issue amount in the first 30 days of hire or marriage
• Evidence of Insurability is required for insurance amounts above $50,000
Coverage for Your Children
• $10,000/child
Business Travel / Commuter Travel Life Insurance
The city provides Business Travel / Commuter Travel Accident Life Insurance coverage equal to $150,000 ($250,000 for
Directors and Councilmembers) in the event the employee dies as a result of an accident that occurs while traveling on
city business. This benefit is provided at no cost to the employee.
18 City of Goodyear, Arizona 2020-2021 Benefits GuideFamily and Medical Leave Act (FMLA)
Administered by FMLA Source
Group Number: None
Customer Service Number: 877-462-3652
Website: fmlasource.com
The Family and Medical Leave Act (FMLA) of 1993 gives eligible employees up to12 workweeks of unpaid leave
within a twelve month period:
• For the birth and care of a newborn child or placement of a child for adoption or foster care;
• To care for the employee's spouse, child or parent with a serious health condition;
• For a serious health condition that makes the employee unable to perform the functions of the employee's job. In
the case of industrial injuries, FMLA leave runs concurrent with the industrial leave; and
• Because of any qualifying exigency arising out of the fact that the spouse, son, daughter, or parent (does not
include next of kin) of the employee is on covered active duty (or has been notified of an impending call or order
to covered active duty) in the Armed Forces (hereinafter referred to as covered active duty leave).
An FMLA eligible employee is one who has been employed by the City for at least 12 months (not necessarily
continuously) and has actually worked for at least 1,250 hours not including holidays, sick time, vacation time, or
worker’s compensation during the 12 month period immediately preceding the commencement of the leave. Exempt
employees are presumed to have met the 1,250 hours of service required for eligibility if they have worked for the
city at least 12 months. For more details, see Policy #600 under Guideline #650.
The Family and Medical Leave Act (FMLA) gives eligible employees up to 26 workweeks of unpaid leave within a
single, twelve month period:
• For an employee to care for his or her spouse, son, daughter, parent, or next of kin recovering from an injury or
illness suffered while on covered active duty in the armed forces. Such illness or injury must render the covered
family member unfit to perform the duties of the individual’s office, grade, rank or rating (hereinafter referred to
as serviceperson caregiver leave). During the single, 12 month period, an eligible employee shall be entitled to a
combined total of 26 workweeks of all types of FMLA leave.
The FMLA also allows employees to maintain health insurance coverage while on leave and to return to the same or
equivalent position at the end of the leave.
Cost and Quality Tools on myCigna
Cigna offers its customers a variety of online and mobile tools to help people make the decisions that will
work best for them. Quality designations are assigned to select doctors and hospitals in the Cigna Network.
Cigna Care Designation: a designation for doctors which shows they meet specific volume, quality and
cost-efficiency standards. Look for this the next time you are selecting a provider.
Centers of Excellence: recognizes hospitals that achieve the highest scores in patient outcomes and
cost-efficiency. Patient Experience Ratings also available for hospitals on the Cigna website.
Cost Estimates: these are available for 1,100 of the most common medical and dental procedures.
Integrity —Be consistent, trustworthy and transparent. 19Short-Term Disability
Administered by Guardian
Group Number: 485474
Customer Service Number: 800-268-2525
Website: guardiananytime.com
Short-Term Disability is a city paid benefit and is designed to replace a portion of your weekly salary in the event of a
covered disability. Benefit calculations are based off your regular weekly rate of pay, not including commissions, bonuses,
over time, or other compensation.
Short-Term Disability Benefits (STD)
• This benefit will pay 75% of the employee’s basic weekly earnings up to an unlimited maximum benefit per week
minus any income that is listed in the Benefit Reductions provisions
• Benefits begin on the 30th day for an accident and/or the 30th day for sickness / illness
• In order to receive benefits, contact Guardian at 800-268-2525 to begin the claims process
• Short-Term Disability benefits are paid on a bi-weekly basis
• Checks will be issued through the city payroll process
• Your Short-Term Disability benefits will be paid for a maximum of 22 weeks
Long-Term Disability – ASRS Members (non-sworn)
The Long-Term Disability (LTD) income plan provides a benefit to you as an active ASRS member in case you become
unable to perform your job due to injury, illness or other disability before retirement. There is a six-month waiting period,
and the LTD administrator must approve the disability claim before you receive disability compensation. For more
information, visit the Arizona State Retirement website at azasrs.gov.
Long-Term Disability – Sworn Fire/Police only
Disability insurance can help replace lost income and make a difficult time a little easier. The city provides Long-Term
Disability (LTD) benefits at no cost to the employee if you are unable to perform the duties of your job due to injury or
illness. There is a six-month waiting period from the date of disability. Benefits are paid for up to two years or until the
employee is no longer disabled; whichever occurs first. The LTD plan provides up to 60% of the employee’s salary at the
time of disability, up to $6,000 per month. Benefits may be coordinated with other income received. If you need to file a
claim under this benefit, please contact Human Resources.
Public Safety Personnel Retirement System
Disability Retirement – Sworn Fire/Police only
During the course of your career, there may come a time when due to injury or illness you are unable to perform your
duties as a Police Officer or Firefighter. Should that occur the System provides special disability pension benefits that you
may become eligible to receive. More details on this benefit are available at psprs.com.
20 City of Goodyear, Arizona 2020-2021 Benefits GuideRetirement Benefits
It may seem like retirement is far away, but now is the time to plan for your future. If you are not already saving for
retirement, the time to get started is now. 65% of households are “at risk” of not having enough to maintain their living
standards in retirement. The city of Goodyear contributes to the following benefits to help you be one of the 35% who
have enough to maintain your living standards in retirement.
Arizona State Retirement System (ASRS)
The ASRS Defined Benefit Plan is the primary plan for ASRS members and will provide, upon retirement, lifelong monthly
benefits. Your ASRS pension is built through a “cost-sharing” model. Both you as the employee and your ASRS employer
contribute equally towards your retirement. Your personal contributions fund only a relatively small part of your benefit.
When you retire, you will recover your own contributions within approximately three to five years from the start of
your benefit payments. Employer contributions and earnings on investments of the ASRS fund are used to provide the
remainder of your lifelong retirement benefit payments. The ASRS is tax-qualified under section 401(a) of the Internal
Revenue Code. Member contributions to the ASRS are exempt from federal income tax withholding under section 401(h)
of the Code. Tax on benefits and contributions is deferred until payment is made to the member as a benefit or refund.
For more details go to azasrs.gov.
Social Security
The federal government provides Social Security benefits. Monthly Social Security benefits may be paid to you or
your dependents when you retire, become disabled, or die. For information about the benefits, visit the Social Security
Administration website at ssa.gov or call 800-772-1213. The city does not contribute into Social Security for sworn
Fire personnel.
Public Safety Personnel Retirement System (PSPRS)
The PSPRS Defined Benefit Plan is the primary plan for PSPRS members and will provide, upon retirement, a lifelong
monthly pension benefit. Your PSPRS pension is a “cost-sharing” model. Both you as the employee and your PSPRS
employer contribute towards your retirement. The PSPRS is tax qualified under section 401(a) of the Internal Revenue
Code. Member contributions to the PSPRS are exempt from federal income tax withholding. Tax on benefits and
contributions is deferred until payment is made to the member as a benefit or refund. For more details go to psprs.com.
Personal Savings Towards Retirement
Personal savings also provide another important component of your retirement plan. If you have participated in a
supplemental savings plan during your career, this will provide an additional benefit for you in retirement.
457 Deferred Compensation Plans and Roth IRAs
The city of Goodyear offers a 457 Deferred Compensation Plan through ICMA-RC and Nationwide Retirement Solutions.
This is a great way to supplement your retirement accounts. There are many investment options to help you reach your
retirement goals. The pre-tax contributions made reduce your taxable income for the year. These contributions and
all associated earnings are not subject to tax until you withdraw them. ICMA-RC and Nationwide also offers traditional
rollover and after-tax Roth IRAs. Click here to go to the Deferred Compensation Contact Information page 26.
Innovation —Be resourceful, progressive and curious. 21Accident Advantage, Hospital Advantage
and Cancer Care
Provided by Aflac
Group Number: PQ456
Customer Service Number: 602-229-1970
Website: aflac.com
Aflac’s Cancer Care, Accident Advantage and Hospital Advantage are voluntary benefits that pay you cash to help with
out of pocket expenses. They help you focus less on bills and more on getting better by helping pay for groceries, rent
and bills. As health care costs continue to rise, it’s easy to see why Aflac’s supplemental insurance policy makes sense.
Accident Advantage
The Aflac Accident Advantage plan pays you if you are injured 24 hours a day. The benefits include hospitalization,
physical therapy, major diagnostic benefits (MRI/CT) and follow ups along with many others. It’s there for you for those
unexpected costs of an accident.
Hospital Advantage
The Aflac Hospital Advantage plan covers you if you are hospitalized or need a surgery from an accident, illness or
condition. In addition, there are benefits for physician visits, ambulance and emergency room visits. As with all Aflac
plans the benefits are paid directly to you to use how you see fit.
Cancer Care
The Aflac Cancer Care plan pays a cash benefit upon initial diagnosis of a covered cancer, with a variety of other benefits
payable throughout cancer treatment such as hospitalization, surgeries and skin cancer benefits. Please contact Human
Resources for more details on these plans.
Additional Benefits
Vacation Leave Sick Leave
Vacation is provided to employees to promote a Sick leave is provided as income protection for
work/life balance. See the Policy and Administrative employees unable to report to work because of
Guidelines Manual for more details. personal illness (preventing infection of co-workers),
or whose immediate family member becomes ill and
the employee must care for the family member. See
Full-Time Regular Employees the Policy and Administrative Guidelines Manual for
more details.
HOURS EARNED PER HOURS EARNED PER
YEARS OF SERVICE PAY PERIOD PAY PERIOD
STANDARD WORK WEEK 56-HOUR WORK WEEK Full-Time Regular Employees
21+ years 7.36 10.31 HOURS EARNED PER PAY
PERIOD
15-20 years 7.05 9.88 UNLIMITED MAXIMUM
Full-Time Regular Employees 3.70
10-14 years 6.15 8.62
56-Hour Work Week Employees 5.18
5-9 years 5.3 7.42
0-4 years 4.39 6.15
22 City of Goodyear, Arizona 2020-2021 Benefits GuideHolidays/Floating Holiday
The following days shall be considered holidays for city employees:
• New Year's Day • Independence Day • Friday after Thanksgiving Day
• Martin Luther King Day • Labor Day • Christmas Day
• President's Day • Veterans Day • *Floating Holiday
• Memorial Day • Thanksgiving Day
!
*One (1) floating holiday is available to all regular-status employees each calendar year. Floating holidays
must be scheduled with, and approved by, your supervisor at least three (3) days in advance of the requested
date. Floating holidays may not be carried forward to be used in the following year. See the Policy and Administrative
Guidelines Manual for more details.
Bereavement Leave
An employee may be authorized to use up to three (3) days (not to exceed 24 hours) of city-paid funeral leave per
occurrence to attend the funeral of an immediate family member and a 56-hour work week employee may be authorized
up to two (2) shifts not to exceed 48 hours. Two (2) additional days (not to exceed 16 hours) will be given for funerals
requiring out-of-state travel. A 56-hour work week employee may be authorized up to two (2) additional shifts not
to exceed 48 hours for out-of-state travel. For city-paid funeral leave for extended family members see Policy and
Administrative Guidelines Manual for more details.
Tuition Assistance
All regular city employees who have fulfilled the initial trial period requirements for their job are eligible for tuition
assistance for attendance at a regionally or nationally accredited college or university and qualifying certification
programs. Eligible employees may receive up to $4,500 in tuition assistance as approved by city Council
each fiscal year.
Courses eligible for tuition assistance shall be job-related to an existing position in the city and part of an approved
degree program or a qualifying certification program. Employees are eligible for one undergraduate and one graduate
degree under the city’s tuition assistance program. See the Policy and Administrative Guidelines Manual for more details.
Longevity Pay
Regular full-time employees who have completed their eighth year of service, by December 1, shall be eligible for
longevity pay. The longevity pay program is contingent on available budgeted funds. See the Policy and Administrative
Guidelines Manual for more details.
YEARS OF SERVICE
As a city employee, you can access
COMPLETED BY DEC. 1
DOLLAR AMOUNT
discounts on everything from
8 $400
automobiles to theme park tickets.
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The Employee
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12 $800
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13 $900 during checkout
For more information, visit EmployeeNetwork.com or
14+ $1,000 call 480.768.0837. Use company code: City of Goodyear
Adaptability —Be a champion, purposeful and connected. 23COBRA Coverage The right to COBRA continuation coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA continuation coverage can become available to you and other members of your family when group health coverage would otherwise end. For more information about your rights and obligations under the Plan and under federal law, you should review the Plan’s Summary Plan Description or contact the Plan Administrator. COBRA continuation coverage is a continuation of Plan coverage when it would otherwise end because of a life event. This is also called a “qualifying event.” After a qualifying event, COBRA continuation coverage must be offered to each person who is a “qualified beneficiary.” You, your spouse, and your dependent children could become qualified beneficiaries if coverage under the Plan is lost because of the qualifying event. Under the Plan, qualified beneficiaries who elect COBRA continuation coverage must pay for COBRA continuation coverage. You may have other options available to you when you lose group health coverage. For example, you may be eligible to buy an individual plan through the Health Insurance Marketplace. By enrolling in coverage through the Marketplace, you may qualify for lower costs on your monthly premiums and lower out-of-pocket costs. Additionally, you may qualify for a 30-day special enrollment period for another group health plan for which you are eligible (such as a spouse’s plan), even if that plan generally doesn’t accept late enrollees. PET INSURANCE Provided by Nationwide Employer ID: city of Goodyear Customer Service Number: 877-738-7874 Website: petinsurance.com/goodyearaz The city of Goodyear is pleased to offer you the option of enrolling in pet insurance through Nationwide. With Nationwide Pet Insurance you can be reimbursed up to 90% for veterinary expenses such as surgeries, diagnostic tests, hospitalization, prescriptions, vaccinations and more. There are no age limits or age- based premium increases, and it covers many items other policies do not such as spay/neuter, hereditary conditions, prescription therapeutic diets and dental. Nationwide offers two plans. Both have a $250 annual deductible and a $7,500 maximum annual limit. In addition, Nationwide offers unlimited, 24/7 access to veterinary professionals via helpline--a free online service. To learn more about both plans and get a quote for your pet today, call 877-738-7874 and mention that you are an employee of the city of Goodyear to receive preferred pricing or visit petinsurance.com/goodyearaz. 24 City of Goodyear, Arizona 2020-2021 Benefits Guide
Keep your identity safe.
Employee Only $0/month $2.45/month $4.75/month
Employee + Family $0/month $7.25/month $10.75/month
All Plans Include VALUE TOTAL PREMIER
IBM Watson AI
$1 Million insurance with stolen funds reimbursement 4
U.S.-based customer care
Risk management score
Online identity dashboard
Mobile application
We’ll Alert You Of
Your personal information on the dark web
High-risk transactions like account takeovers and tax refunds
Potential threats detected by IBM Watson AI
Requests to open checking or savings accounts with your information
Monthly credit score 5
3-bureau credit changes
Bank account takeovers
3-bureau credit report
Additional tools and family plan features available.
Help protect yourself with
the most powerful,
To learn more, go to identityguard.com or call, 855-443-7748 comprehensive identity theft
Download the Identity Guard® mobile app: protection available today.
4
Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include
all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.
5
The score you receive with Identity Guard is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion credit file. Lenders use many different credit
scoring systems, and the score you receive with Identity Guard is not the same score used by lenders to evaluate your credit.
For $10.50 a month, you get legal assistance for some of
the most frequently needed personal legal matters — with Legal experts on your side,
no waiting periods, no deductibles and no claim forms,
when using a Network Attorney for a covered matter.
whenever you need them.
MONEY MATTERS HOME & ESTATE PLANNING FAMILY & CIVIL LAWSUITS ELDER-CARE VEHICLE & E-SERVICES
REAL ESTATE PERSONAL ISSUES DRIVING
DEBT COLLECTION DEEDS CODICILS ADOPTION ADMINISTRATIVE CONSULTATION & DEFENSE OF ATTORNEY
HEARINGS DOCUMENT REVIEW FOR
DEFENSE EVICTION DEFENSE AFFIDAVITS TRAFFIC TICKETS1 LOCATOR
COMPLEX WILLS YOUR PARENTS:
IDENTITY THEFT FORECLOSURE CONSERVATORSHIP CIVIL LITIGATION DEEDS
DEFENSE HEALTHCARE LEASES DRIVING FINANCIAL
HOME EQUITY PROXIES DEMAND LETTERS DEFENSE PRIVILEGES
NEGOTIATIONS MEDICAID PLANNING
LOANS GARNISHMENT DISPUTES OVER RESTORATION
WITH CREDITORS LIVING WILLS MEDICARE
MORTGAGES DEFENSE CONSUMER GOODS
PERSONAL POWERS OF NOTES LICENSE INSURANCE
BANKRUPTCY PROPERTY TAX GUARDIANSHIP & SERVICES RESOURCES
ATTORNEY NURSING HOME SUSPENSION DUE
PROMISSORY ASSESSMENTS IMMIGRATION
(HEALTHCARE, FINANCIAL,
CHILDCARE, IMMIGRATION) ASSISTANCE INCOMPETENCY AGREEMENTS TO DUI
NOTES REFINANCING OF DEFENSE POWERS OF LAW FIRM
HOME REVOCABLE & JUVENILE COURT ATTORNEY REPOSSESSION E-PANEL
TAX AUDIT DEFENSE
REPRESENTATION SALE OR PURCHASE IRREVOCABLE PET LIABILITIES
(INCLUDING CRIMINAL PRESCRIPTION
OF HOME TRUSTS PLANS
TAX COLLECTION MATTERS) SMALL CLAIMS SELF-HELP LEGAL
DEFENSE & MORE! SIMPLE WILLS & MORE! ASSISTANCE WILLS 1.
DOES NOT COVER DUI. DOCUMENTS
To learn more, visit info.legalplans.com and enter access code GetLaw
or call 800-821-6400, Monday – Friday 8 a.m. – 8 p.m. (EST/EDT).
Group legal plans provided by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and
affiliates, Warwick, RI. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife, its affiliates, or plan attorneys; 3) matters
in which there is a conflict of interest between the employee and spouse/civil union partner or dependents, in which case services are excluded for the spouse/civil union partner and dependents; 4) appeals and class actions; 5) farm
and business matters, including rental issues when the participant is the landlord; 6) patent, trademark, and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney-client relationship exists
prior to the participant becoming eligible for plan benefits. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters. Please see your plan
description for details. MetLife® is a registered trademark of Metropolitan Life Insurance Company, New York, NY. [ML2]
Initiative —Be a leader, proactive and a problem solver. 25You can also read
