2019 Presented by CBIZ Mission Statement The CSA benefits programs - - PowerPoint PPT Presentation

2019

Presented by CBIZ

Mission Statement

The CSA benefits programs has been in existence for over 60 years. During that time, Our continued commitment has always been to provide essential products and services that provide our members with “unsurpassed service, choice, at a value”. All service partners and products have been carefully vetted to insure industry standards and benchmarks are being met, but more importantly make sure we meet our members benefit needs. Sincerely, Scott Blassingame CSA, CFO

CSA Bene nefits Progr gram am Guide de

• Benistar Retiree Medical – slide 4
• Express Scripts Rx Plan – slide 5
• Self-Funded Dental Plan Options – slides 6-9
• Unum Life / Supplemental Life- slides 10-11
• Unum Disability – slide 12
• Superior Vision Plan – slides 22-23
• Convenient Care Plus Telemedicine – slide 13-14
• UNUM Accident, Critical Illness, Hospital Indemnity, STD- slides 15-20
• 401(k), 457, 401(a), and 529 Savings Plans - slides 25-30
• Pension Plans- slides 29-32

Benistar R r Retiree M Medical Pl Plan

• Retiree Medical Plan through CSA is meant to supplement

Medicare Part A and B

• Plan pays the entire Part A Medicare Deductible for

Hospitalization, and Skilled Nursing Facility Care, and covers Hospice Care cost-share before Medicare pays.

• When your Medicare Part A hospital benefits are exhausted, the

plan also stands in the place of Medicare and will pay whatever amount Medicare would have paid for up to an additional 365 days.

• Plan also pays for Part B Medical Inpatient and Outpatient Services

that Medicare Part B does not cover.

• Supplement F
• Rates: $248 Per Month

Benistar R r Rx Pl Plan (Medicare P Part D)

• Express Scripts Rx (PDP)
• Copay-based benefit for Medicare

Part D participants set to pay out at different stages:

• Initial Coverage Stage: Copay-based

charges (for retail and home delivery) until your total yearly drug cost reaches: $3,750.

• Coverage Gap Stage: After $3,750

yearly drug cost, you will continue to pay the same cost share (copays) until you reach $5,000.

• Catastrophic Coverage Stage: After

OOP Drug cost reaches $5,000 you will pay the greater of 5% coinsurance or $3.35 copay for generic drugs, or $8.35 copay for all covered drugs

• Rates: $168 Per Month

Self Self-Funde ded Dental Plan Option 1 1

Benefit 1st Year on the plan 2nd Year and Beyond Network In Network: CIGNA PPO SA Plus Out-of-Network: Paid at the 50th Percentile Usual and Customary In Network: CIGNA PPO SA Plus Out-of-Network: Paid at the 50th Percentile Usual and Customary Deductible $50 Lifetime Deductible $50 Lifetime Deductible Annual Benefit Maximum – For Types 1, 2, and 3 combined $1,500 Calendar Year Maximum $1,500 Calendar Year Maximum Lifetime Orthodontia Maximum $1,000 Lifetime Maximum $1,000 Lifetime Maximum Type 1 – Preventative 100% after Deductible 100% after Deductible Type 2 – Basic Restorative 80% after Deductible 80% after Deductible Type 3 – Major Restorative 50% after Deductible 50% after Deductible Type 4 – Orthodontics 10% after Deductible 50% after Deductible

Self Self-Funded Den ental l Ra Rates es – Plan Opt ption 1 n 1

2019 Employee Only $33.78 Employee Spouse $76.35 Employee Child(ren) $78.71 Family $128.99

Self Self-Funde ded Dental Plan Option 2 2

Benefit 1st Year on the plan 2nd Year and Beyond Network In Network: CIGNA PPO SA Plus Out-of-Network: Paid at the 50th Percentile Usual and Customary In Network: CIGNA PPO SA Plus Out-of-Network: Paid at the 50th Percentile Usual and Customary Deductible $50 Annual Deductible $50 Annual Deductible Annual Benefit Maximum – For Types 1, 2, and 3 combined $750 Calendar Year Maximum $750 Calendar Year Maximum Lifetime Orthodontia Maximum Not Available Not Available Type 1 – Preventative 100% after Deductible 100% after Deductible Type 2 – Basic Restorative 80% after Deductible 80% after Deductible Type 3 – Major Restorative 50% after Deductible 50% after Deductible Type 4 – Orthodontics Not Available Not Available

Self Self-Funded Den ental l Ra Rates es – Plan Opt ption 2 n 2

2019 Employee Only $23.36 Employee Spouse $52.79 Employee Child(ren) $54.43 Family $89.19

UNU UNUM Life

• Each utility is able to choose employer paid, employee

paid, or a combination of both

• Employer paid options of $10,000 or $50,000
• Existing Optional Life plans are grandfathered
• New Optional Life includes a guarantee issue of $200,000

for employees and $25,000 for spouse

• Rates are age-banded
• Conversion and Portability Included

UNU UNUM Supplem emen ental Life

• Existing Optional Life plans are grandfathered
• New Optional Life includes a guarantee issue of $200,000

for employees, $25,000 for spouse, and $10,000 for the child(ren)

• Max of 5x Salary
• Can purchase up to the GI amount every year after electing at

minimum of 10k in benefit

• Rates are age-banded
• Conversion and Portability Included

UNUM Long T Term rm Disability

• Each utility is able to choose employer paid, employee paid,
• r a combination of both
• Elimination Period of 90 days
• Pre-existing Exclusion: 3 / 12
• Benefit Option:
• All Employees: 66.667% up to $5,000
• All Employees: 66.6667% up to $7,500
• Return to Work Benefits, Child Care Expense Benefit, and

Survivor Benefit Included

• Rates (as of September 1st, 2018):
• $.590 Per $100: $5,000 Benefit
• $.614 Per $100: $7,500 Benefit

Con

• nven

enien ent C Care e Plus & Gener eric Rx Progr

• gram
• Acute Care Telemedicine Program
• Virtual and Telephonic Visits to a licensed physician at NO

COST

• Speak to a doctor 24/7 and pick up a prescription at a

pharmacy within minutes

• Care offered for minor illnesses and injuries, skin conditions,

upper respiratory infections, allergies, bronchitis, strep throat, pink eye, bronchitis, minor sprains

• Generic Rx Program: Coverage for generic prescriptions

(specific CCP formulary that is covered at 100%).

• Premium: $11 Per Family Per Month

UNU UNUM Acciden ent

• Voluntary Benefit that pays lump sum amounts to insured

for specific services following an accidental injury, whether minor or catastrophic

• Base Plan is Guarantee Issue, so no health questions are

required

• $50 per insured Wellness Credit
• Benefit for Ambulatory Services, Chiropractic Care, ER

Treatment, Hospital and ICU admission and confinement, Coma, Burns, Fractures, Dislocation, etc.

• Accidental Death and Dismemberment Benefit included

UNUM Accid ident Ra Rates es

UNU UNUM Critical Illnes ess

• Voluntary Benefit that pays lump sum amounts for services

following the diagnosis of a critical illness

• Includes Cancer Benefit
• $50 per insured Wellness Credit
• Employee Coverage Election $5,000 - $50,000 ($1,000

increments)

• Spouse Coverage Election $5,000 - $30,000 ($1,000 increments)
• Child Coverage Election: Up to 50% of Employee Coverage

amount

• Pre-existing Exclusion: 12 / 12

UNU UNUM Critical Illnes ess Rates

UNU UNUM Ho Hospital I Indem emnity

• Voluntary Benefit that pays lump sum amounts for services due

to hospitalization. They are paid directly to the employee based on the amount of coverage listed on the schedule, regardless of actually cost of treatment.

• Hospital Admission Benefit: $1,500 per insured per calendar

year

• Ambulance(Accident Only): $100 Ground / $500 Air per

calendar year

• Daily Hospital Confinement: $200 per day max 60 days per

calendar year

• Pre-existing Period: 12 / 12

UNU UNUM Ho Hospital I Indem emnity Rates

UNUM Short rt T Term Disability

• Voluntary Individual Short Term Disability coverage
• Benefit: 60% up to $5,000 Maximum; Minimum Benefit: $400
• Elimination Period 14 / 14 or 7 /7 (Accident/Sickness)
• Employee Only Coverage
• Benefit Duration: 3 Months
• Guaranteed Issue

Superior Vision P Plan n

• New Vision Care Services offered with coverage for:
• Eye Exams – $10 copay
• Materials and Lenses – $25 copay
• Progressive Lenses – Covered at trifocal level
• Frames – Up to $175 value available every year
• Contact Lenses – Up to $175
• Rates guaranteed for 4 years
• Network to include: Wal-Mart, Lenscrafters, Target Optical,

Sears Optical, and many more retail locations, along with one

• f the Nation’s largest private practice networks

Su Superio ior Vi Visio sion Ra Rates es

Coverage Tier Rates Employee Only $8.58 Employee Spouse $17.14 Employee Child(ren) $18.72 Family $29.16

Inter eres ested ed?

• For more information on these products, or to setup a

meeting, please contact: Cole Harris D: 865.251.5149 | M: 865.603.8776 charris@cbiz.com

Employer-Sponsored Plans Offered In Association With CSA 401(k), 457, 401(a) & 529 Savings Plans

Ser Services D s Desig esigned t to

• Hel

elp Mee eet You

• ur

Employees ees R Retirem emen ent Go Goals

• Group Employee Sessions
• Individual Employee Meetings
• Investment Education (asset allocation, diversification, etc.)
• Retirement Education and Income Planning
• Assistance With Enrollments, Distributions, and Day-to-Day Service
• Liaison to Third-Party Administrator for Applicable Plans
• Financial wellness programs and online retirement planning tools

Plan Sp Specif ific ics s Desig esigned to

• Mee

eet Plan Sp Sponsors Fiduc uciary Needs ds

• Robust Menu of Mutual Fund Options on a Custodial Platform with

Multiple Fund Families

• Fixed Account Investment Option (Current Crediting Rate of 3.00%)
• All-In Variable Expenses less than 1.00%
• Fiduciary Fund Monitoring (Powered by Morningstar)
• 401(k), Governmental 457(b), and 401(a) Plans Available

Contact I Inform rmation

• For more information, please contact:

Brad Little

• r

Bryan Bush blittle@voyafa.com bbush@voyafa.com Phone: 731-668-9818

Employer-Sponsored Pension Plans

With CSA’s Defined Benefit Program You have a Choice!

• Administered by MassMutual
• CSA Plan has been in existence for over 65 years
• Plan sponsor can customize plan provisions
• Two type plans available:
• Non- governmental/cooperatives
• Governmental entities
• Unsurpassed comprehensive administration

services to support your day to day servicing requirements:

• Fiduciary guidance
• GAAP reporting
• Documentation & all required notifications
• Actuarial support
• Funding and Plan design consulting

Unsurpassed Employer/Employee Education & Support

• Annual onsite employee Education meetings
• One-on-one employee retirement meetings

conducted by an Independent national advisory firm, CBIZ retirement Plan Services.

• State of the art website & retirement planning

tools provided by MassMutual

• MassMutual 800 # Participant support line. M-F

8am -8PM EST

• CSA dedicated member support representative:
• Bethany Hardy- 662-407-2215
• Bhardy@CSA1.com
• Annual plan reviews with plan sponsor/boards

CSA A Field Support rt Team

• Pat Winchester

SVP- CBIZ Retirement Plan Services Direct: 877-695-5171 Cell: 678-462-2828 Email: pwinchester@cbiz.com

• Mike Kasecamp

VP- CBIZ Retirement Plan Services Direct: 301-708-1138 Cell: 443-259-3230 Email: ckasecamp@cbiz.com

Exclusively providing our family of utilities with unsurpassed service, choice, & value!