TEAMMATE 2019 | 2020 BENEFIT HIGHLIGHTS - Pasco County Clerk
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2019 | 2020 TEAMMATE BENEFIT HIGHLIGHTS
The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
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
Other Available Plan Resources 6
Summary of Benefits and Coverage 6
Medical Insurance: Side-By-Side Plans At-A-Glance 7-8
Pasco County Health Savings Account 9
Wellness Centers 10
Dental Insurance 11
UnitedHealthcare Incentive PPO Plan At-A-Glance 12
Vision Insurance 13
EyeMed Vision Plan At-A-Glance 14
Flexible Spending Accounts 15-16
Basic Life and AD&D Insurance 17
Voluntary Life and AD&D Insurance 18
Voluntary Long Term Disability 19
Voluntary Short Term Disability 19
Supplemental Insurance 19
Pet Insurance 20
Employee Assistance Program 20
Retiree Insurance Notice 21
Retiree Medical Insurance 22
Retiree Dental and Vision Insurance 22
Retirement Benefits 23
Claims, Billing & Benefit Assistance 23
Notes 24
This booklet is merely a summary of teammate benefits. For a full description, refer to the plan document. Where conflict exists between this summary and the plan document, the plan document controls.
Pasco County Clerk & Comptroller 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 Reserved
The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Contact Information
Phone: (727) 847-8916
Pasco County Clerk & Comptroller Human Resources
Email: humanresources@pascoclerk.com
Phone: (800) 244-3696
Claims, Billing & Benefit Assistance Gehring Group
Email: pascoclerk@gehringgroup.com
(888) 5-Bentek (523-6835)
Online Benefit Website Bentek Support
www.mybentek.com/pascoclerk
Customer Service: (800) 664-5295
Medical Insurance Florida Blue
www.floridablue.com
Customer Service: (877) 794-3574
Prime Therapeutics
Prescription Drug Coverage www.myprime.com
& Mail-Order Program Customer Service: (888) 849-7865
Alliance Rx Walgreens Prime
www.floridablue.com
Customer Service: (866) 346-5800
HSA HealthEquity
www.healthequity.com
Customer Service: (877) 816-3596
Dental Insurance UnitedHealthcare
www.myuhcdental.com
Customer Service: (866) 723-0513
Vision Insurance EyeMed
www.eyemedvisioncare.com
Customer Service: (800) 688-2611
Flexible Spending Accounts P&A
www.padmin.com
Customer Service: (800) 247-6875
Basic Life and AD&D Insurance Sun Life
www.sunlife.com/us
Customer Service: (800) 247-6875
Voluntary Life and AD&D Insurance Sun Life
www.sunlife.com/us
Voluntary Long Term Customer Service: (800) 247-6875
Sun Life
Disability Insurance www.sunlife.com/us
Agent: Jeff Nelson | Phone: (813) 929-9846
Supplemental Insurance Aflac Customer Service: (800) 992-3522
www.aflac.com
Customer Service: (877) 738-7874
Pet Insurance Nationwide
www.petinsurance.com/pascoclerk
Customer Service: (877) 595-5284
Employee Assistance Program Guidance Resource
www.guidanceresources.com
Customer Service: (866) 446-9377
FRS Agency Plan# 61001
www.myfrs.com
Agent: Steve Duganieri
Nationwide Retirement Solutions Plan# 0044560001 Office: (877) 677-3678 | Cell: (631) 767-2308
www.nrsforu.com
Agent: Meghan Doherty
ICMA Plan# 305701 Phone: 866-620- 6070 ext. 4938
www.icmarc.org
Agent: Randy Ramos | Phone: (813) 269-3357
VALIC Plan# 71440
www.valic.com
Customer Service: (877) 365-2666
FMLA FMLA Source
www.fmlasource.com
1 © 2016, Gehring Group, Inc., All Rights Reserved
The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Online Benefit Enrollment
Pasco County Clerk & Comptroller provides teammates with an online
benefits enrollment platform through Bentek’s Employee Benefits
Center (EBC). The EBC provides benefit-eligible teammates the ability
to select or change insurance benefits online during the annual Open
Enrollment period, New Hire Orientation, or Qualifying Events.
Accessible 24 hours a day, throughout the year, teammate may log
Introduction in and review comprehensive information regarding benefit plans
and view and print an outline of benefit elections for teammate and
The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller, dependent(s). Teammate has access to important forms and carrier
provides group insurance benefits to eligible teammates. The Teammate links, can report qualifying life events and review and make changes
Benefit Highlights booklet provides a general summary of the benefit to life insurance beneficiary designations.
options as a convenient reference. Please refer to the Clerk & Comptroller’s
guidelines and applicable contracts and/or Certificates of Coverage for detailed
descriptions of all available teammate benefit programs and stipulations
therein. If a teammate 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
for further information.
To Access the Employee Benefits Center:
99
Log on to www.mybentek.com/pascoclerk
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 teammate 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, 8:30am - 5:00pm.
To access group insurance benefits online, log on to:
www.mybentek.com/pascoclerk
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
2
The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Group Insurance Eligibility
OCTOBER Pasco County Clerk & Comptroller's group
Dependent Age Requirements
01 insurance plan year is October 1
Medical Coverage: A dependent child may be covered through the
through September 30.
end of the calendar year in which the child turns age 26. An over-
age dependent may continue to be covered on the medical plan to
the end of the calendar year in which the child reaches age 30, if the
Teammate Eligibility dependent meets the following requirements:
Teammates are eligible to participate in Pasco County Clerk & Comptroller’s • Unmarried with no dependents; and
insurance plans if they work a minimum of 24 hours per week. Coverage will be
• A Florida resident, or full-time or part-time student; and
effective the first of the month following 60 days of employment. For example,
• Otherwise uninsured; and
if a teammate is hired on April 11, then the effective date of coverage will be
• Not entitled to Medicare benefits under Title XVIII of the
July 1.
Social Security Act, unless the child is handicapped.
Separation of Employment Dental and Vision Coverage: Dependent children may be covered
If a teammate separates employment from Pasco County Clerk & Comptroller, through the end of the calendar year in which child turns age 26.
insurance will continue through the end of month in which separation
occurred. COBRA continuation of coverage may be available as applicable by
law. Disabled Dependents
Coverage for an unmarried dependent child may be continued beyond age 26 if:
Dependent Eligibility • The dependent is physically or mentally disabled and incapable of
A dependent is defined as the legal spouse and/or dependent child(ren) of the self-sustaining employment (prior to age 26); and
participant or spouse. The term “child” includes any of the following: • Primarily dependent upon the teammate for support; and
• A natural child • A stepchild • A legally adopted child • The dependent is otherwise eligible for coverage under the group
• A newborn child (up to the age of 18 months) of a covered medical plan; and
dependent (Florida) • The dependent has been continuously insured; and
• A child for whom legal guardianship has been awarded to the • Coverage with the Pasco County Clerk & Comptroller began prior to
participant or the participant’s spouse age 19.
Proof of disability will be required upon request. Please contact Human
Resources if further clarification is required.
Taxable Dependents
Current IRS rules do not permit a teammate to receive a tax advantage on
any portion of premiums paid related to the coverage of a dependent who
is not a qualified tax dependent. Teammates covering adult child(ren) under
teammate's medical insurance plan may continue to have the related coverage
premiums payroll deducted on a pre-tax basis through the end of the calendar
year in which the dependent child reaches age 26. Beginning January 1 of the
calendar year in which the dependent child reaches age 27 through the end
of the calendar year in which the dependent child reaches age 30, teammate
will be charged the value of the premium coverage as Imputed Income for
tax purposes only for such dependents. Contact Human Resources for further
details if covering an adult dependent child who will turn age 27 any time
during the upcoming calendar year or for more information.
3 © 2016, Gehring Group, Inc., All Rights Reserved
The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Qualifying Events and Section 125
Section 125 of the 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 a teammate experiences a qualifying event, Human Resources
a teammate's pre-tax benefits can be made ONLY during the Open Enrollment must be contacted within 30 days of the qualifying event to make
period unless the teammate or qualified dependent(s) experience(s) a the appropriate changes to a teammate'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 the teammate may be responsible, both
the Qualifying Event. legally and financially, for any claim and/or expense incurred as a
result of the teammate or dependent who continues to be enrolled
Under certain circumstances, a teammate may be allowed to make changes
but no longer meets eligibility requirements. If approved, changes
to benefit elections during the plan year, if the event affects the teammate,
will be effective on the first of the month following the latter, date
spouse, or dependent’s coverage eligibility. An “eligible” Qualifying Event
of the Qualifying Event or date written request for change in coverage
is determined by Section 125 of the Internal Revenue Code. Any requested
is received by Human Resources. Newborns are effective on the date
changes must be consistent with and due to the Qualifying Event.
of birth. Marriage is effective on the date of occurrence. Cancellations
Examples of Qualifying Events: will be processed at the end of the month. In the event of death,
coverage terminates the date following the death. Teammate may be
• Teammate gets married or divorced required to furnish valid documentation supporting a change in status
• Birth of a child or “Qualifying Event.”
• Teammate gains legal custody or adopts a child
• Teammate's spouse and/or other dependent(s) die(s)
• Teammate, teammate's spouse and/or dependent(s) terminate or
start employment
• An increase or decrease in teammate's work hours causes eligibility
or ineligibility
• A covered dependent no longer meets eligibility criteria for coverage
• A child gains or loses coverage with other parent or legal guardian
• Change of coverage under an employer’s plan
• Gain or loss of Medicare coverage
• Losing eligibility or becoming eligible for coverage under a State
Medicaid or CHIP (including Florida Kid Care) program (60 day
notification period)
© 2016, Gehring Group, Inc., All Rights Reserved
4The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Medical Insurance
Pasco County Clerk & Comptroller offers medical insurance through Florida Blue to benefit-eligible teammates. The costs per pay period for coverage are listed in the
premium tables below. For more detailed information about the medical plans, please refer to the carrier’s Summary of Benefits and Coverage document or contact
Florida Blue's customer service.
Medical Insurance – Florida Blue Medical Insurance – Florida Blue
BlueOptions 3900 (PPO) Plan BlueOptions 5781 (PPO) Plan
24 Payroll Deductions - Per Pay Period Cost 24 Payroll Deductions - Per Pay Period Cost
Non-Tobacco Non-Tobacco
Tier of Coverage Teammate Cost Discount Cost* Tier of Coverage Teammate Cost Discount Cost*
Teammate $10.00 $0 Teammate $25.00 $15.00
Teammate + Spouse $40.00 $30.00 Teammate + Spouse $100.00 $90.00
Teammate + Children $15.00 $5.00 Teammate + Children $20.00 $10.00
Teammate + Family $110.00 $100.00 Teammate + Family $245.00 $235.00
*$20 per month Non-Tobacco Discount *$20 per month Non-Tobacco Discount
Medical Insurance – Florida Blue Medical Insurance – Florida Blue
BlueCare 52 (HMO) Plan BlueCare 56 (HMO) Plan
24 Payroll Deductions - Per Pay Period Cost 24 Payroll Deductions - Per Pay Period Cost
Non-Tobacco Non-Tobacco
Tier of Coverage Teammate Cost Discount Cost* Tier of Coverage Teammate Cost Discount Cost*
Teammate $25.00 $15.00 Teammate $30.00 $20.00
Teammate + Spouse $145.00 $135.00 Teammate + Spouse $200.00 $190.00
Teammate + Children $60.00 $50.00 Teammate + Children $90.00 $80.00
Teammate + Family $245.00 $235.00 Teammate + Family $335.00 $325.00
*$20 per month Non-Tobacco Discount *$20 per month Non-Tobacco Discount
Medical Insurance – Florida Blue
BlueCare 122/123 (HMO) HSA Compatible Plan
24 Payroll Deductions - Per Pay Period Cost
Non-Tobacco
Tier of Coverage Teammate Cost Discount Cost*
Teammate $10.00 $0
Teammate + Spouse $40.00 $30.00
Teammate + Children $15.00 $5.00
Teammate + Family $110.00 $100.00
*$20 per month Non-Tobacco Discount
Florida Blue | Customer Service: (800) 664-5295 | www.floridablue.com
5 © 2016, Gehring Group, Inc., All Rights ReservedThe Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Other Available Plan Resources
Florida Blue offers all enrolled members and dependents additional services
and discounts through value added programs. For more details regarding other Summary of Benefits and Coverage
available plan resources, please refer to the Summary of Benefits and Coverage A Summary of Benefits & Coverage (SBC) for the medical plans is provided as
(SBC) document, contact Florida Blue's customer service at (800) 664-5295 or a supplement to this booklet. The summary is an important item in understanding
visit www.floridablue.com. the benefit options. A free paper copy of the SBC document may be requested or is
available as follows:
Blue365
From: Human Resources
Blue365 is a free discount program on products and services available to all Address: 7530 Little Road
members such as: New Port Richey, FL 34654
Vision Care, Glasses, and Contact Lenses
99 Phone: (727) 847-8916
Hearing Care and Aids
99 Email: humanresources@pascoclerk.com
Fitness Club Memberships, Exercise Footwear and Apparel
99 Website URL: www.mybentek.com/pascoclerk
Weight Loss Management
99
The SBC is only a summary of the plan’s coverage. A copy of the plan document, policy,
Alternative Medicine
99 or certificate of coverage should be consulted to determine the governing contractual
Elder Care Advisory Services
99 provisions of the coverage. A copy of the group certificate of coverage can be reviewed
and obtained by contacting Human Resources.
Hotel Rooms and Travel Information
99
If there are questions about the plan offerings, please contact Human Resources.
For more information, please contact Florida Blue at (800) 664-5295 or visit
www.floridablue.com and select “Members” then “Members Tips & Tools.” Click
“Discounts & Rewards” and then click “I Agree” on the “Explore Healthy Choices
with Blue 365” website.
The Florida Blue Mobile App
Florida Blue’s mobile website can be accessed from any smartphone or download
the app from iPhone® or Android™ with just a tap! Visit the smartphone’s app
store and search for Florida Blue or visit http://apps.floridablue.com.
Florida Blue Centers
Florida Blue Centers connect neighbors to services, support, and advice that
help members achieve better health. Florida Blue Centers offer a variety of
services, such as:
Care Consulting
99 Health Education
99
Fitness Activities
99 Wellness Programs
99
Nutrition Advice
99 Health Tech Demos
99
To find the nearest Florida Blue Center, please visit:
https://www.floridablue.com/find-a-floridablue-center
Florida Blue | Customer Service: (800) 352-2583 | www.floridablue.com
© 2016, Gehring Group, Inc., All Rights Reserved
6The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Medical Insurance: Side-By-Side Plans At-A-Glance
BlueOptions 3900 BlueOptions 5781
Plan (PPO) (PPO)
Network BlueOptions BlueOptions
Plan Year Deductible (PYD) In-Network Out-of-Network* In-Network Out-of-Network*
Single 1,500 $4,500 $1,500 $4,500
Locate a Provider Family N/A $4,500 $13,500
To search for a participating provider,
contact Florida Blue's customer Coinsurance
service or visit www.floridablue.com. Member Responsibility 50% 50% 30% 50%
When completing the necessary
search criteria, select the BlueOptions Plan Year Out-of-Pocket Limit
network. Single $6,350 $20,000 $5,500 $11,000
Family $12,700 $20,000 $11,000 $22,000
What Applies to the Out-of-Pocket Limit? Deductible, Coinsurance, Copays and Rx Deductible, Coinsurance, Copays and Rx
Physician Services
Primary Care Physician (PCP) Office Visit $35 Copay 50% After PYD $30 Copay 50% After PYD
Plan References Specialist Office Visit $50 Copay 50% After PYD $55 Copay 50% After PYD
*Out-Of-Network Balance Billing:
For information regarding out-of- Non-Hospital Services; Freestanding Facility
network balance billing that may be
Clinical Lab (Blood Work)** No Charge 50% After PYD No Charge 50% After PYD
charged by out-of-network providers,
please refer to the Summary of Benefits X-rays 50% After PYD 50% After PYD $50 Copay 50% After PYD
and Coverage (SBC) document. Advanced Imaging (MRI, MRA, CT) $200 Copay 50% After PYD $250 Copay 50% After PYD
**Quest Diagnostics is the preferred Outpatient Surgery in Surgical Center 50% After PYD 50% After PYD $200 Copay 50% After PYD
lab for bloodwork through Florida Blue.
Physician Services at Surgical Center 50% After PYD 50% After PYD $55 Copay 50% After PYD
When using a lab other than Quest,
please confirm they are contracted with Urgent Care Center 50% After PYD 50% After PYD $60 Copay $60 Copay After PYD
Florida Blue's BlueOption network prior
to receiving services. Hospital Services
Option 1 - $1,500 Copay $500 PAD*** +
***PAD: Per Admission Deductible Inpatient Hospital (Per Admission) 50% After PYD 30% After PYD
Option 2 - $2,500 Copay 50% After PYD
Option 1 - $300 Copay
Outpatient Hospital (Per Visit) 50% After PYD 30% After PYD 50% After PYD
Option 2 - $400 Copay
Physician Services at Hospital 50% After PYD 50% After In-Network PYD 30% After PYD 30% After In-Network PYD
Emergency Room (Per Visit) 50% After PYD 50% After PYD $250 Copay $250 Copay
Mental Health/Alcohol & Substance Abuse
Inpatient Hospital Services (Per Admission) No Charge 50% Coinsurance No Charge 50% Coinsurance
Outpatient Services (Per Visit) No Charge 50% Coinsurance No Charge 50% Coinsurance
Prescription Drugs (Rx)
Generic – Tier 1 $10 Copay 20% Coinsurance $10 Copay 50% Coinsurance
Preferred Brand Name – Tier 2 Not Covered Not Covered $60 Copay 50% Coinsurance
Non-Preferred Brand Name – Tier 3 Not Covered Not Covered $100 Copay 50% Coinsurance
Mail Order Drug (90-Day Supply) $25 Copay (Generic Only) Not Covered 2.5x Retail Copay Not Covered
7 © 2016, Gehring Group, Inc., All Rights ReservedThe Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Medical Insurance: Side-By-Side Plans At-A-Glance
BlueCare 52 BlueCare 56 BlueCare 122 BlueCare 123
Plan (HMO) (HMO) Individual (HMO) Family (HMO)
Network BlueCare (HMO) BlueCare (HMO) BlueCare (HMO)
Plan Year Deductible (PYD) In-Network In-Network In-Network In-Network
Single $1,500 $0 $5,000 $5,000
Family N/A $0 N/A $10,000 Locate a Provider
To search for a participating provider,
Coinsurance contact Florida Blue's customer service
Member Responsibility 30% 0% 10% 10% or visit www.floridablue.com. When
completing the necessary search
Plan Year Out-of-Pocket Limit criteria, select the BlueCare (HMO)
network.
Single $6,350 $2,000 $6,550 $6,850
Family $12,700 $4,000 N/A $10,000
Deductible, Coinsurance, Deductible, Coinsurance,
What Applies to the Out-of-Pocket Limit? Deductible, Coinsurance, Copays and Rx
Copays and Rx Copays and Rx
Physician Services
Primary Care Physician (PCP) Office Visit $40 Copay $25 Copay 10% After PYD 10% After PYD Plan References
Specialist Office Visit $65 Copay $35 Copay 10% After PYD 10% After PYD *Quest Diagnostics is the preferred lab
for bloodwork through Florida Blue.
Non-Hospital Services; Freestanding Facility When using a lab other than Quest,
Clinical Lab (Blood Work)* No Charge No Charge 10% After PYD 10% After PYD
please confirm they are contracted with
Florida Blue's BlueCare (HMO) network
X-rays $65 Copay No Charge 10% After PYD 10% After PYD prior to receiving services.
Advanced Imaging (MRI, MRA, CT) $200 Copay $200 Copay 10% After PYD 10% After PYD
Outpatient Surgery in Surgical Center 30% After PYD $100 Copay 10% After PYD 10% After PYD
Physician Services at Surgical Center 30% After PYD $35 Copay 10% After PYD 10% After PYD
Urgent Care (Per Visit) $85 Copay $35 Copay 10% After PYD 10% After PYD
Hospital Services Important Notes
$300 Copay Per Day,
Inpatient Hospital (Per Admission) 30% After PYD
Up To $1,500
10% After PYD 10% After PYD Services received by providers or facilities
not in the BlueCare (HMO) network, will
Outpatient Hospital (Per Visit) 30% After PYD $100 Copay 10% After PYD 10% After PYD not be covered.
Physician Services at Hospital 30% After PYD No Charge 10% After PYD 10% After PYD
Emergency Room (Per Visit) $300 Copay $250 Copay 10% After PYD 10% After PYD
Mental Health/Alcohol & Substance Abuse
Inpatient Hospital Services (Per Admission) No Charge No Charge 10% After PYD 10% After PYD
Outpatient Services (Per Visit) No Charge No Charge 10% After PYD 10% After PYD
Prescription Drugs (Rx)
Generic – Tier 1 $10 Copay $10 Copay $10 Copay After PYD $10 Copay After PYD
Preferred Brand Name – Tier 2 $30 Copay $25 Copay $50 Copay After PYD $50 Copay After PYD
Non-Preferred Brand Name – Tier 3 $50 Copay $40 Copay $80 Copay After PYD $80 Copay After PYD
Mail Order Drug (90-Day Supply) 2.5x Retail Copay 2x Retail Copay 2.5x Retail Copay After PYD 2.5x Retail Copay After PYD
© 2016, Gehring Group, Inc., All Rights Reserved
8The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Pasco County Health Savings Account
The Florida Blue BlueCare 122/123 (HMO) HSA Compatible High Deductible Health Plan (HDHP) complies with the Internal Revenue Service (IRS) requirements and
qualifies enrollee to open a Health Savings Account (HSA). An HSA is an interest-bearing account where funds may be used to help pay teammate and dependent(s)
deductible, coinsurance and any qualified medical expenses not covered by the plan.
What to know about an HSA
• Teammate owns the HSA funds from day one and decides how and • Active teammate NOT on Medicare but with a spouse enrolled in
when to spend the money. Medicare: Any active teammate who is covering a spouse that is
• No use-it or lose-it rules; funds are in the account when needed, enrolled in Medicare is eligible to enroll and contribute into the
now or in the future. Participant cannot fund a traditional Health HSA up to the maximum contribution amounts. These funds can be
Care FSA, however, participant may fund a Limited Purpose FSA for utilized for the active teammate and spouse expenses.
dental and vision expenses only. • Active teammate ON Medicare and with a spouse NOT enrolled in
• HSA funds may earn interest. Medicare: Any active teammate who is enrolled in Medicare and
• The HSA will be funded with employer contributions. If teammate covering a spouse may not contribute or receive HSA funding. Any
desires to fund the remaining IRS HSA Combined Contribution Limit remaining balance in the HSA can be utilized until there are no
balance they may do so with pre-tax payroll deductions. funds remaining.
• HSA dollars may be used tax-free for all eligible medical expenses. *Please contact Human Resources for further information regarding funding variations
• HSA funds are portable from one employer to another. Accumulated towards employer HSA contributions.
funds can help teammate plan for retirement.
• An account holder may write a check or withdraw funds with a
2019-2020 Plan Year Funding:
Health Savings Account Debit Card. • Teammate will receive: $100 Monthly Contribution
• Some account service fees, determined by the bank, may apply. Teammate may opt to fund an HSA via pre-tax evenly dispersed payroll
• Account holder can access HSA statement at any time to track deductions or in a lump sum payroll deduction. Teammate contributions to an
account balance and activity online at www.HealthEquity.com. HSA may also be made on an after-tax basis and taken as an above-the-line
deduction on teammate's tax return (making such contributions tax-free).
• To be eligible to open an HSA, teammate must be covered by a
high deductible health plan. Teammate may not be covered under • 2019 IRS Contribution Limitations: $3,500 (individual coverage)
another medical plan that is not a high deductible health plan $7,000 (family coverage)
including a plan the teammate's spouse may have selected where • 2020 IRS Contribution Limitations: $3,550 (individual coverage)
he/she has family coverage. Please Note: Eligibility status to qualify $7,100 (family coverage)
for an HSA is specifically driven by teammate and NOT dependents. • Individuals ages 55 and older can also make additional "catch-up"
• HSA funds can be used for dependent(s) even if dependent is not contributions up to $1,000 annually
enrolled in the teammate’s group insurance benefits as long as the
Guidelines regarding the HSAs are established by the IRS.
dependent is a qualified tax dependent.
• Over-age dependent is not able to use HSA funds for qualified
HealthEquity | Customer Service: (866) 346-5800 | www.HealthEquity.com
expenses, even if dependent is covered under the medical plan as
Federal law does not recognize them as a qualified dependent.
• If teammate is enrolled in Medicare, TRICARE or TRICARE for
Life, teammate is not eligible to contribute funds into an HSA. In
addition, the IRS prohibits Pasco County from contributing HSA
funds into the account. If teammate is not enrolled in Medicare,
TRICARE or TRICARE for Life, then teammate is eligible to enroll and
contribute into the HSA up to the maximum contribution amounts.
9 © 2016, Gehring Group, Inc., All Rights ReservedThe Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Wellness Centers
Wellness Centers have come to Pasco County Clerk & Comptroller!
Teammates will be able to use the Wellness Centers established by the Board of County Commissioners. The best news is that services are provided to all Clerk &
Comptroller Office teammates, spouses, dependents, and retirees enrolled in Pasco County Clerk & Comptroller's medical plans at a $0 Copay for the non-HSA plans and
$20 for HSA plans. Common prescriptions are also available at no cost to those insured!
Wellness Centers are staffed by physicians and a nurse practitioner, and offer a variety of services, including treatments for the following:
Cold/flu
99 Vaccinations
99
Allergies
99 Physicals
99
Minor injuries
99 NOT for major illnesses including chest
99
Rashes
99 pain, head injuries, or broken bones
Sinus infections
99 NOT for children under 10 years of age
99
Port Richey Dade City Land O Lakes
7421 Ridge Road, Unit 110 36739 State Road 52, Suite 104 4111 Land O’ Lakes Blvd., Suite 301
Port Richey, FL 34668 Dade City, FL 33525 Land O’ Lakes, FL 34638
Hours of Operation Hours of Operation Hours of Operation
Monday 7:00am - 6:00pm Monday Closed Monday 7:00am - 6:00pm
Tuesday 7:00am - 6:00pm Tuesday 7:00am - 6:00pm Tuesday Closed
Wednesday 7:00am - 6:00pm Wednesday Closed Wednesday 7:00am - 6:00pm
Thursday 7:00am - 6:00pm Thursday 7:00am - 6:00pm Thursday Closed
Friday 7:00am - 6:00pm Friday Closed Friday 7:00am - 6:00pm
Saturday Closed Saturday Closed Saturday 7:00am - 12:00pm
Sunday Closed Sunday Closed Sunday Closed
Paid time off is available for teammates to visit these centers (limited to one hour per visit) during the workday. Once an appointment is confirmed, code the time as
“CLINIC” on teammate timecard, with supervisor approval. PTO is required for any time missed over 1 hour.
Appointments can be made by calling: (866) 959-9355 (for either location). After first visit, online scheduling will be available.
Please be considerate of others. If teammate will miss a scheduled appointment, cancel as soon as possible to ensure availability for others.
Contact Human Resources with any questions.
© 2016, Gehring Group, Inc., All Rights Reserved
10The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Dental Insurance
UnitedHealthcare Incentive PPO Plan
Pasco County Clerk & Comptroller offers dental insurance through Plan Year Deductible
UnitedHealthcare to benefit-eligible teammates. The costs per pay period
The Incentive PPO plan requires a $50 individual or a $150 family deductible
for coverage are listed in the premium table below and a brief summary of
to be met for in-network or out-of-network services before most benefits will
benefits is provided on the following page. For more detailed information
begin. The deductible is waived for preventive services.
about the dental plan, please refer to the carrier's summary plan document or
contact UnitedHealthcare's customer service. Plan Year Benefit Maximum
The maximum benefit (coinsurance) the Incentive PPO plan will pay for
Dental Insurance
each covered member is $2,000 for in-network and out-of-network services
UnitedHealthcare Incentive PPO Plan combined. All services, including preventive services accumulate towards the
24 Payroll Deductions - Per Pay Period Cost
benefit maximum. Once the plan's benefit maximum is met, the member will
Tier of Coverage Teammate Cost be responsible for future charges until next plan year.
Teammate Only $4.03
Teammate + 1 Dependent $7.66
Teammate + Family $11.29 IMPORTANT NOTES
In-Network Benefits • Each covered member may receive one (1) routine cleaning every six (6) months
under the preventive benefit.
Incentive PPO plan provides benefits for services received from in-network • For any dental work expected to cost $500 or more, the plan will provide a "Pre-
and out-of-network providers. It is also an open-access plan which allows for Treatment Estimate" upon the request of the dental provider. This will assist with
services to be received from any dental provider without having to select a determining approximate out-of-pocket costs should teammate have the dental
Primary Dental Provider (PDP) or obtain a referral to a specialist. The network work performed.
of participating dental providers the plan utilizes is the UnitedHealthcare • Waiting periods and age limitations may apply.
National Options PPO 30 network. These participating dental providers have • Benefit frequency limitations may apply to certain services.
contractually agreed to accept UnitedHealthcare's contracted fee or "allowed
amount." This fee is the maximum amount a UnitedHealthcare dental provider
can charge a member for a service. The member is responsible for a Plan Year UnitedHealthcare | Customer Service: (877) 816-3596 | www.myuhc.com
Deductible (PYD) and then coinsurance based on the plan's charge limitations.
Out-of-Network Benefits
Out-of-network benefits are used when member receives services by a non-
participating UnitedHealthcare provider. UnitedHealthcare reimburses out-
of-network services based on what it determines is the allowable expense.
The allowable expense is defined as the most common charge for a particular
dental 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. Balance billing is the difference between UnitedHealthcare's
allowable expense and the amount charge by the out-of-network dental
provider. Balance billing is in addition to any applicable plan deductible or
coinsurance responsibility.
11 © 2016, Gehring Group, Inc., All Rights ReservedThe Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
UnitedHealthcare Incentive PPO Plan At-A-Glance
Network National Options PPO 30
Plan Year Deductible (PYD) In-Network Out-of-Network*
Per Member $50
Per Family $150
Waived for Class I (Preventive) Services? Yes Yes
Locate a Provider
Plan Year Benefit Maximum
To search for a participating provider,
Per Member $2,000 contact UnitedHealthcare's customer
service or visit www.myuhcdental.com.
Class I Services: Diagnostic & Preventive Care When completing the necessary search
criteria, select National Options PPO 30
Routine Oral Exam (1 Every 6 Months)
network.
Routine Cleanings (1 Every 6 Months) Plan Pays: 100%
Plan Pays: 100%
Deductible Waived
Bitewing X-rays (1 Series of Films Per 12 Months) Deductible Waived
(Subject to Balance Billing)
Complete X-rays (1 Set Every 36 Months)
Class II Services: Basic Restorative Care
Fillings (Amalgam or Composite)** Plan References
Simple Extractions *Out-Of-Network Balance Billing:
Plan Pays:
Plan Pays: For information regarding out-of-
Oral Surgery 80% After PYD
100% After PYD network balance billing that may be
(Subject to Balance Billing)
Periodontal Maintenance (2 Per Year) charged by an out-of-network provider,
Endodontics please refer to the Out-of-Network
Benefits section on the previous page.
Class III Services: Major Restorative Care
**Plan will only reimburse based on
Crowns the lesser cost of the treatment options
Bridges Plan Pays: available.
Plan Pays:
50% After PYD
Dentures 100% After PYD
(Subject to Balance Billing)
Implants
Class IV Services: Orthodontia
Per Member Plan Year Deductible $50
Per Family Plan Year Deductible $100
Lifetime Maximum $1,000
Plan Pays: 50% After PYD
Benefit Plan Pays: 50% After PYD
(Subject to Balance Billing)
© 2016, Gehring Group, Inc., All Rights Reserved
12The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Vision Insurance
EyeMed Vision Plan
Pasco County Clerk & Comptroller offers vision insurance through EyeMed to Out-of-Network Benefits
benefit-eligible teammates. The costs per pay period for coverage are listed in
Teammate and covered dependent(s) may also choose to receive services
the premium table below and a brief summary of benefits is provided on the
from vision providers who do not participate in the Select network. When
following page. For more information about the vision plan, please refer to the
going out of network, the provider will require payment at the time of
carrier’s summary plan document or contact EyeMed's customer service.
appointment. EyeMed will then reimburse based on the plan’s out-of-network
reimbursement schedule upon receipt of proof of services rendered.
Vision Insurance – EyeMed Vision Plan
24 Payroll Deductions - Per Pay Period Cost Plan Year Deductible
Tier of Coverage Teammate Cost There is no plan year deductible.
Teammate Only $3.13
Teammate + 1 Dependent $5.95
Plan Year Out-of-Pocket Maximum
There is no out-of-pocket maximum. However, there are benefit reimbursement
Teammate + Family $8.74
maximums for certain services.
In-Network Benefits EyeMed | Customer Service: (866) 723-0513 | www.eyemedvisioncare.com
The vision plan offers teammate and covered dependent(s) coverage for routine
eye care, including eye exams, eyeglasses (lenses and frames) or contact
lenses. To schedule an appointment, covered teammate and dependent(s) can
select any network provider who participates in the EyeMed Select 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 will be additional if chosen at the time of the appointment.
13 © 2016, Gehring Group, Inc., All Rights ReservedThe Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
EyeMed Vision Plan At-A-Glance
Network Select
Services In-Network Out-of-Network
Eye Exam No Charge Up to $25 Reimbursement
Frequency of Services
Examination 12 Months 12 Months
Locate a Provider
Lenses 12 Months 12 Months To search for a participating provider,
contact EyeMed's customer service
Frames 24 Months 24 Months
or visit www.eyemedvisioncare.com.
Contact Lenses 12 Months 12 Months When completing the necessary search
criteria, select Select network.
Lenses
Single Up to $25 Reimbursement
Bifocal $25 Copay Up to $40 Reimbursement
Trifocal Up to $55 Reimbursement
Plan References
Frames *Contact lenses are in lieu of spectacle
$0 Copay, Up to $130 Allowance lenses.
Allowance Up to $65 Reimbursement
20% Off Balance Over $130
Contact Lenses*
Non-Elective (Medically Necessary; With Prior Authorization) No Charge Up to $200 Reimbursement
$0 Copay, $130 Allowance
Elective (Fitting, Follow-up & Lenses) Up to $104 Reimbursement
15% Off Balance Over $130 Important Notes
LASIK • Teammate options such as LASIK,
are not covered in full, but may be
15% Off Retail Price or available at a discount.
Discount Programs N/A
5% Off the Promotional Price
• Lens Options such as UV coating,
tinting, polarizing etc. are covered
benefits. Please refer to the carrier's
summary plan document for details or
contact EyeMed's customer service.
© 2016, Gehring Group, Inc., All Rights Reserved
14The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Flexible Spending Accounts
Pasco County Clerk & Comptroller offers Flexible Spending Accounts (FSA) administered through P&A Group. The FSA plan year is from October 1 to September 30.
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
employees to set aside money from employee's paycheck for reimbursement of health care and day care expenses 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 three (3) types of FSAs:
• Health Care FSA: Available to eligible employee not enrolled in the Florida Blue BlueCare 122/123 (HMO) with an HSA. Covers medical, dental, and vision
expenses that are not paid by insurance.
• Limited Purpose FSA: Available to eligible employee enrolled in the Florida Blue BlueCare 122/123 (HMO) with an HSA. A Limited Purpose Health Care FSA
may be used for qualified dental and vision expenses.
• Dependent Care FSA: Covers day care expenses for qualified dependents necessary for employee and legal spouse, if married, to work.
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 $2,700. 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 family income is over $20,000, this reimbursement option will likely save
care (that are not classified as cosmetic). participants more money than 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 who 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 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
*These items are eligible expenses under the Limited Purpose FSA.
Log on to http://www.irs.gov/publications/p502/index.html for additional details regarding qualified and non-qualified expenses.
15 © 2016, Gehring Group, Inc., All Rights ReservedThe Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Flexible Spending Account (Continued)
FSA Guidelines
• Teammate may carry over $500 of unused Health Care FSA funds
into the next plan year after a plan year ends and all claims have HERE’S HOW IT WORKS!
been filed. Dependent Care funds cannot be carried over.
• The Health Care FSA has a 90 day run out period at the end of the A teammate earning $30,000 elects to place $1,000 into a Health
plan year (October 1 to December 31) to submit reimbursement on Care FSA. The payroll deduction is $41.66 based on a 24 pay period
eligible expenses incurred during the period of coverage within the schedule. As a result, the insurance premiums and health care
plan year. expenses are paid with tax-free dollars, giving the teammate a tax
savings of $227.
• When a plan year ends and all claims have been filed with the
exception of the $500 rollover for the Health Care FSA, all unused With a Health Without a Health
funds will be forfeited and not returned. Care FSA Care FSA
• Teammate can enroll in an FSA only during the Open Enrollment Salary $30,000 $30,000
period, a Qualifying Event, or New Hire Eligibility. FSA Contribution - $1,000 - $0
• Money cannot be transferred between FSAs. Taxable Pay $29,000 $30,000
• Reimbursed expenses cannot be deducted for income tax purposes. Estimated Tax
- $6,568 - $6,795
• Teammate and dependent(s) cannot be reimbursed for services not 22.65% = 15% + 7.65% FICA
received. After Tax Expenses - $0 - $1,000
• Teammate and dependent(s) cannot receive insurance benefits or Spendable Income $22,432 $22,205
any other compensation for expenses reimbursed through an FSA. Tax Savings $227
• Domestic Partners are not eligible as federal law does not recognize
them as a qualified dependent.
Filing a Claim
Claim Form Please Note: Be conservative when estimating health care and/or dependent
care expenses. IRS regulations state that any unused funds remaining in an FSA,
A completed claim form along with a copy of the receipt as proof of the
after a plan year ends and after all claims have been filed, cannot be returned
expense can be submitted by mail or fax. The IRS requires FSA participants to or carried forward to the next plan year with the exception of the $500 carry
maintain complete documentation, including copies of receipts for reimbursed over that may be allowed for the Health Care FSA. This rule is known as “use-it
expenses, for a minimum of one (1) year. or lose-it.”
Debit Card
FSA participants will automatically receive a debit card for payment of eligible
expenses. With the card, most qualified services and products can be paid at Claims Mailing Address | P&A Group
the point of sale versus paying out-of-pocket and requesting reimbursement. 17 Court Street, Suite 500 | Buffalo, NY 14202
The debit card is accepted at a number of medical providers and facilities, and
most pharmacy retail outlets. P&A may request supporting documentation for P&A Group | Customer Service: (800) 688-2611 | www.padmin.com
expenses paid with a debit card. Failure to provide supporting documentation
when requested, may result in suspension of the card and account until funds
are substantiated or refunded back to Pasco County Clerk & Comptroller. 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
16The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Basic Life and AD&D Insurance
Basic Term Life Insurance Eligibility Benefit
Class
Pasco County Clerk & Comptroller provides Basic Term Life insurance for all Classifications Classifications
eligible teammates at no cost, through Sun Life. Teammate benefit amount Class 1 Active Full-time Teammates
1 times annual earnings, up to
is determined by eligibility classification as described in the table. Enrollment a maximum of $200,000
is automatic but teammate is required to designate a beneficiary. Beneficiary Class 2
Retired Deputy Chiefs who retired prior to
Flat $50,000
designations can be made online at www.mybentek.com/pascoclerk. A October 1, 2007
beneficiary confirmation statement can also be printed and retained for Class 3
Retired Directors who retired prior to
Flat $40,000
personal records. October 1, 2007
Eligible Retired Supervisors who retired prior
Class 4 Flat $30,000
Accidental Death & Dismemberment Insurance to October 1, 2007
For Class 1 teammate's, Pasco County Clerk & Comptroller also provides All Other Eligible Teammates who retired
Class 5 Flat $20,000
prior to October 1, 2007
Accidental Death & Dismemberment (AD&D) insurance, which pays in addition
to the Basic Term Life insurance benefit when death occurs as a result of an All eligible teammates who retired on Amount in force prior to
Class 6 or after October 1, 2007 and prior to effective date up to a maximum
accident. The AD&D benefit equals the Basic Term Life benefit, partial benefits
July 1, 2011 of $200,000
may also be payable.
All eligible teammates who retired Amount in force prior to
Class 7 on or after July 1, 2011 and prior to effective date up to a maximum
Age Reduction Schedule October 1, 2014 of $200,000
Benefit amounts are subject to the following age reduction schedule: All Eligible Teammates who retired on or Amount in force prior to
›› Reduces to 67% of the benefit amount at age 65 Class 8 after October 1, 2014 (Gold) but prior to effective date to a maximum of
October 1, 2017 $200,000
›› Reduces to 45% of the benefit amount at age 70
All Eligible Teammates who retired on or Amount in force prior to
Always remember to keep beneficiary forms updated. Teammate Class 9 after October 1, 2014 (Platinum) but prior to effective date to a maximum of
October 1, 2017 $200,000
may update beneficiary information at anytime of the year by
All Eligible Teammates who retired on or Flat $10,000; terminates at
logging onto Bentek at www.mybentek.com/pascoclerk. Class 10
after October 1, 2017 age 70.
Sun Life | Customer Service: (800) 247-6875 | www.sunlife.com/us
17 © 2016, Gehring Group, Inc., All Rights ReservedThe Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Voluntary Life and AD&D Insurance
Voluntary Employee Life and AD&D Insurance Voluntary Life and AD&D Insurance Rate Table
Eligible teammate may elect to purchase additional Life and AD&D insurance Monthly Premium
on a voluntary basis through Sun Life. This coverage may be purchased in
Teammate's
addition to the Basic Term Life and AD&D coverage. Voluntary Life insurance
Age Bracket Voluntary Life Spouse's
offers coverage for teammate, spouse and/or child(ren) at different benefit (Based On Teammate Age) and AD&D Rates Voluntary Life Rates
levels.
Under 20 $0.080 $0.050
20-24 $0.080 $0.050
New Hires may purchase Voluntary Employee Life insurance without 25-29 $0.080 $0.050
having to go through Medical Underwriting, also known as Evidence of
30-34 $0.084 $0.054
Insurability (EOI), up to the Guaranteed Issue amount of $150,000.
35-39 $0.104 $0.068
40-44 $0.151 $0.097
• Units can be purchased in increments of $10,000 to the maximum 45-49 $0.243 $0.163
benefit of $300,000 (minimum benefit of $20,000), up to seven (7)
50-54 $0.359 $0.239
times annual salary.
55-59 $0.587 $0.378
• Teammates can take this coverage with them if they terminate
employment prior to normal retirement age. Rates will be similar 60-64 $0.664 $0.579
but not identical. 65-69 $1.213 $1.072
• Benefit amounts are subject to the following age reduction 70-74 $1.979 Terms at Teammate age 70
schedule: 75+ $6.483 Terms at Teammate age 70
›› Reduces to 67% of the benefit amount at age 70
›› Reduces to 45% of the benefit amount at age 75 Voluntary Dependent Child(ren) Life Insurance
• Teammate must participate in Voluntary Employee Life plan for
Voluntary Spouse Life Insurance dependent child(ren) to participate.
• For eligible unmarried children, from 14 days old up to age 21; or to
New Hires may purchase Voluntary Spouse Life insurance without age 25 if a full-time student.
having to go through Medical Underwriting, also known as Evidence of • Units may be purchased in increments of $5,000, to a maximum
Insurability (EOI), up to the Guaranteed Issue amount of $50,000. of $10,000 not to exceed 100% of the teammate’s Voluntary life
coverage amount.
• Rates are $0.90 per month for $5,000 or $1.80 per month for
• Teammate must participate in the Voluntary Employee Life plan for
$10,000 per eligible dependent child(ren).
spouse to participate.
• Units can be purchased in increments of $5,000 to a maximum of Always remember to keep beneficiary information
$150,000 not to exceed 100% of the teammate’s Voluntary Life updated. Beneficiary information may be updated at
coverage amount. anytime through Bentek.
• Benefit amounts are subject to the following age reduction
schedule: Sun Life | Customer Service: (800) 247-6875 | www.sunlife.com/us
›› Coverage ends when Teammate turns age 70
›› Benefits may be reduced when employee benefit amount is
reduced.
© 2016, Gehring Group, Inc., All Rights Reserved
18The Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Voluntary Long Term Disability Voluntary Short Term Disability
Pasco County Clerk & Comptroller offers Voluntary Long Term Disability (LTD) Short Term Disability is available on a voluntary basis through Aflac. The Short
insurance to all eligible teammates through SunLife. The LTD benefit pays Term Disability benefit pays teammate a percentage of their weekly earnings
teammates a percentage of monthly earnings if teammate becomes disabled up to $6,000 if teammate becomes disabled due to an illness or non-work
due to an illness or non-work related injury. The benefit will be adjusted if related injury.
teammates salary fluctuates throughout the plan year. A summary of the plan
benefits is provided below. Aflac | Customer Service: (800) 992-3522 | www.aflac.com
Agent: Jeff Nelson | Phone: (813) 929-9846 | Fax: (813) 929-9856
Voluntary Long Term Disability (LTD) Benefits
• LTD provides a benefit of 60% of Teammate's monthly earnings up
to a benefit maximum of $5,000 per month.
• Teammate must be disabled for 90 consecutive days prior to
Supplemental Insurance
becoming eligible for benefits (known as the elimination period). Aflac offers a variety of voluntary supplemental insurance plans that may
• Benefit payments will commence on the 91 day of disability. be purchased separately on a voluntary basis and premiums paid by payroll
deduction. Aflac pays money directly to teammate, regardless of what other
• Teammate may continue to be eligible for partial benefits if
insurance plans they may have. Available Aflac plans include:
teammate returns to work on a part-time basis.
• The maximum benefit period is determined based on age at the Accident Advantage
99 Hospital Choice
99
time of disability. Cancer Care
99 Short Term Disability
99
• Benefits may be reduced by other income. Critical Care Protection
99
Aflac also offers access to MeMD. MeMD telemedicine service provides
Voluntary Long-Term Disability Rates immediate medical assistance for many conditions from the comfort of the
teammate's home or office.
Age Band Monthly Rate
Under 25 $0.090
The benefit is provided to all enrolled members. Registration is required and
should be completed ahead of time. This program allows members 24/7
25-29 $0.090
on-demand access to affordable medical care via phone and online video
30-34 $0.100 consultations when needing immediate care for non-emergency medical
35-39 $0.100 issues. MeMD, through Aflac, should be considered when a primary care doctor
40-44 $0.200 is unavailable, after-hours or on holidays for non-emergency needs. To activate
45-49 $0.400 an account, please visit www.MeMD.me/aflacstandard.
50-54 $0.600 To learn more about these Aflac plans and/or to schedule a personal
55-59 $0.700 appointment, contact the Clerk and Comproller’s Aflac Agent, Jeff Nelson, at
60-64 $1.000 (813) 929-9846.
65-69 $1.000
Aflac | Customer Service: (800) 992-3522 | www.aflac.com
70 and over $1.000
Agent: Jeff Nelson | Phone: (813) 929-9846 | Fax: (813) 929-9856
SunLife | Customer Service: (800) 247-6875 | www.sunlife.com/us
19 © 2016, Gehring Group, Inc., All Rights ReservedThe Office of Nikki Alvarez-Sowles, Esq., Pasco County Clerk & Comptroller | Teammate Benefit Highlights | 2019-2020
Pet Insurance Employee Assistance Program
Nationwide Pasco County Clerk & Comptroller cares about the well-being of all teammates
on and off the job and provides, at no cost, a comprehensive Employee
Pasco County Clerk & Comptroller provides teammates the opportunity to
Assistance Program (EAP) through Guidance Resources. EAP offers teammate
purchase pet insurance on a voluntary basis through Nationwide.
and each family member access to licensed mental health professionals
through a confidential program protected by State and Federal laws. EAP is
Pet Insurance – Nationwide available to help teammate gain a better understanding of problems that
My Pet Protection affect them, locate the best professional help for a particular problem, and
My Pet Protection
with Wellness decide upon a plan of action. EAP counselors are professionally trained and
Accidents & certified in their fields and available 24 hours a day, 7 days a week.
Allergic Reactions
Common Illnesses What is an Employee Assistance Program?
Surgeries & An Employee Assistance Program offers covered teammates and family
Hospitalization members free and convenient access to a range of confidential and professional
services to help address a variety of problems that may negatively affect
X-rays, MRIs and CT Scans
teammate or family member’s well-being. Coverage includes five (5) face-to-
Prescription Medications face visits with a specialist, phone crisis intervention and referrals to outside
Wellness Exams resources when necessary. EAP offers counseling services on issues such as:
Preventive Dental Child Care Resources
99 Work Related Issues
99
Cleaning
Legal Resources
99 Adult & Elder Care Assistance
99
Spay/Neuter Grief and Bereavement
99 Financial Resources
99
Routine Blood Tests Stress Management
99 Family and/or Marriage Issues
99
Heartworm Testing & Depression and Anxiety
99 Substance Abuse
99
Prevention
Are your services confidential?
Nationwide: Enrollment Process Yes. Receipt of EAP services are completely confidential. If however,
1. Go directly to: www.petinsurance.com/pascoclerk participation in the EAP is the direct result of a Management Referral (a referral
2. Visit petsnationwide.com and enter your company name initiated by Human Resources), we will ask permission to communicate
3. Call (877) 738-7874 and mention you are a teammate of Pasco certain aspects of the teammate’s care (attendance at sessions, adherence to
treatment plans, etc.) to Human Resources. Human Resources will only receive
Nationwide reports on whether the referred teammate is complying with the prescribed
Customer Service: (877) 738-7874 | www.petinsurance.com/pascoclerk treatment plan.
Guidance Resource | Customer Service: (877) 595-5284
www.guidanceresources.com | web ID: EAPComplete
© 2016, Gehring Group, Inc., All Rights Reserved
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