Forsyth County Schools 2020 Open Enrollment ShawHankins Acquired - - PowerPoint PPT Presentation

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Forsyth County Schools 2020 Open Enrollment

ShawHankins Acquired by NFP

• ShawHankins, was recently acquired by NFP.

NFP is an insurance industry leader with more than 5,000 employees and 250+ offices across the United States. As one of the largest benefits brokers in the nation, NFP provides their clients with best-in-class products and services.

• With this acquisition, the ShawHankins name officially changed to

NFP in August 2019. You will see this new name and branding

• n your benefit materials.
• While the company name will change, exceptional service

remains the priority for the ShawHankins/NFP team. The service team, enrollment portal, contact numbers and office locations will not change. However, they will now have even greater ability to effectively serve you.

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NFP

• Service Center can answer questions on all benefits
• Available 8:30am – 5:00pm during open enrollment
• NFP Service Center can be reached at 800-994-7429
• Benefit Resource Center – visit https://www.forsyth.k12.ga.us/

and under Staff Resources, select Benefits

• All elections will be made using the NFP bswift enrollment portal

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Changes for 2020

• Life, Voluntary Life, Long Term and Short Term Disability moving to

MetLife

• No change to benefit schedule or rates
• Voluntary Life Modified Open Enrollment
• All eligible employees can enroll without prior coverage or

Evidence of Insurability (EOI) up to $100,000

• Employees can continue to elect up to $30,000 of Spouse

Voluntary Life without Employee benefit election

• Health Flexible Spending Account Change
• The Healthcare FSA Limit is now $2,700

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Open Enrollment

• Open Enrollment is October 21 – November 8, 2019
• Enrollment Assistance will be available between October, 25 –

November 7, 2019

• NFP will be available to answer questions and assist with

enrollments

• A translator will be on site
• Schedule your appointment at https://47kyzgpymm.timetap.com

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Date Time Location Friday October 25th 8:00am – 5:30pm Drive Lab #1 Tuesday October 29th 8:00am – 5:00pm Drive Lab #1 Wednesday October 30th 8:00am – 5:30pm Drive Lab #1 Monday November 4th 8:00am – 5:00pm Room #380 November 7th 8:00am – 4:30pm Room #350

Employee’s Responsibility

• Read Open Enrollment Materials
• Update your personal information and check beneficiaries
• Complete your enrollment by going online, meeting with an

enrollment counselor, or calling into the NFP Service Center by 11:59pm on November 8, 2019. NO EXCEPTIONS!!

• Check your January payroll deductions to ensure accuracy

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Enrollment Guidelines

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• Open Enrollment is your opportunity to make elections for 2020
• To add someone to your benefits you have to provide the

following documentation:

• Marriage Certificate
• Birth Certificate
• Date of Birth
• Social Security Numbers
• The only other time you can make a change to those elections

is if you experience a Qualifying Life Event.

Qualifying Life Event

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• Marriage
• Divorce
• Birth of Child
• Loss of other coverage
• Loss of dependent status

You have 31 days from the date of the Qualifying Life Event to notify Human Resources of the change and provide them with appropriate documentation.

Bswift Online Enrollment

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• Make all elections through Bswift enrollment portal: www.forsyth.bswift.com
• Username: last name, and last 4 digits of your ss#
• Example: Smith4567
• Password: Last 4 digits of your ss#
• If you do not make elections through the enrollment portal, your coverage

will roll over for the 2020 plan year. The only exception is Flexible Spending. You must enroll in Flexible Spending in order to participate in the plan for 2020.

• You will not be permitted to make changes after the open enrollment period

ends, unless you experience a qualifying event.

Enrollment Portal

7 11/08/2019

Completing Enrollment

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Enrollment Complete

Dental Coverage

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Plan Provisions Buy-Up Plan

Calendar Year Deductible Single Family Max $50 $150 Annual Benefit Max $1,750 calendar year Diagnostic/Preventive Services Periodic oral evaluation, Prophylaxis (cleanings), Bitewing X-rays 100% coverage No Deductible Basic Treatment (Type B) Fillings, periodontics, endodontics,

• ral surgery, simple extractions

80% coverage (subject to deductible) Major Treatment Dentures, bridges, crowns, Implants 50% coverage (subject to deductible) Orthodontia (Child Only) Child(ren) only up to age 19 50% coverage; $1,500 lifetime maximum

• Dental coverage is offered through MetLife. For the best benefits, make sure

you utilize an In-Network provider.

• To locate a provider log on to metlife.com and go to I Want To Find a MetLife
• Dentist. Enter your zip code and select the PDP Plus network. Enter your

search criteria and click on the SUBMIT button.

Plan Provisions Buy-Up Plan

Calendar Year Deductible Single Family Max $50 $150 Annual Benefit Max $1,720 calendar year Diagnostic/Preventive Services Periodic oral evaluation, Prophylaxis (cleanings), Bitewing X-rays 100% coverage No Deductible Basic Treatment (Type B) Fillings, periodontics, endodontics,

• ral surgery, simple extractions

50% coverage (subject to deductible) Major Treatment Dentures, bridges, crowns, Implants Not Covered Orthodontia (Child Only) Child(ren) only up to age 19 Not Covered

Vision Coverage

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Benefit In-Network Out-of-Network Frequency Vision Exam $10 copay Up to $52 allowance Once every 12 months Contact Lenses Allowance Max Amount Once every 12 months Elective Medically Necessary Up to $150 allowance Covered in full Up to $130 allowance Up to $250 allowance Contacts Fitting Standard Premium Member cost up to $40 10% off retail price Not covered Once every 12 months Standard Plastic Lenses Copayment Max Amount Once every 12 months Single Vision Bifocal Trifocal Covered in full after a $20 copay Up to $55 allowance Up to $75 allowance Up to $95 allowance Frames Up to $150 allowance; 20% off additional cost Up to $45 allowance Once every 24 months

• Vision coverage is offered through EyeMed. For the best benefits, make sure

you elect an In-Network provider.

• For a complete list of providers near you use our Provider Locator on

www.eyemed.com and choose the INSIGHT network or call 1-866-804-0982.

• For Lasik providers call 1-877-5LASER5 or visit eyemedlasik.com.

Flexible Spending Accounts

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• Will continue to be administered by TASC for 2020
• Two separate accounts- Healthcare Spending Account and

Dependent Care Spending Account

• Allows you to set aside pre-tax dollars to spend on qualified

expenses, reducing your taxable income

• Must make new elections for 2020- via bswift
• Healthcare Maximum is now $2,700

Flexible Spending Accounts

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• Medical Spending Account
• Maximum contribution of $2,700
• Some eligible expenses- Deductibles, copayments, dental expense,

vision services and materials

• Dependent Care Spending Account
• $5,000 for married couple filing joint income tax returns, $2,500 if

unmarried or married and filing separate income taxes

• Some eligible expenses- any care of a dependent that allows you and your

spouse to work: day care, after school program, in-home care, camps

• May rollover up to $500 left in the Medical Spending Account at the

end of the year. Any other unused funds will be forfeited.

Basic Life & AD&D and Voluntary Life & AD&D

• Forsyth County Schools provides a Basic Life and AD&D

benefit of $30,000 at no cost to you

• Provided through Met Life
• Forsyth County Schools provides a Voluntary Life and AD&D

benefit up to $500,000 for Employees, $100,000 for Spouses and $10,000 for Child(ren) at additional cost

• Provided through Met Life

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Voluntary Life Insurance

25 Benefit Coverage

Employee Voluntary Life/AD&D You can purchase coverage in increments of $10,000 up to a maximum of $500,000 not to exceed 5 x your annual salary. New Hires: You will have a guarantee issue (GI) amount of $350,000 (not to exceed 5 x your annual salary). Employee elections over GI will require Evidence of Insurability. Spouse Voluntary Life/AD&D (eligible spouses up to age 70) You can purchase coverage in increments of $5,000 to a maximum of $100,000. You can elect up to $30,000 of spouse coverage without electing coverage for yourself. New Hires: You will have a guarantee issue amount of $50,000 not to exceed $30,000 if the employee is not covered. Child(ren) Voluntary Life/AD&D (dependent children up to age 26) You can purchase coverage in increments of $2,000 to a maximum of $10,000. New Hires: You will have a guarantee issue amount of $10,000.

Please note: Since your insurance will be provided by a new carrier, this open enrollment all employees without prior coverage can enroll in Voluntary Life up to a maximum of $100,000 without answering evidence of insurability (EOI). Those with existing coverage can increase to $100,000 without EOI. Employees can also elect/increase Spousal Voluntary Life up to $25,000 without EOI.

Short Term Disability

• Provided through Met Life
• Pays after you are disabled for 14 days
• Covers 60% of your salary, up to $1,500 per week
• Pays for up to 17 weeks of disability
• Enroll through bswift

If you are not currently enrolled in Short Term Disability, you must complete an Evidence of Insurability and be approved for coverage.

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Long Term Disability

• Provided through Met Life
• Pays after you are disabled for 120 days
• Covers 60% of your salary, up to $7,000 per month
• Continues to pay until you can return to work or reach

SSNRA

• Enroll through bswift

If you are not currently enrolled in Short Term Disability, you must complete an Evidence of Insurability and be approved for coverage.

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Accident

28 Covered Injuries Benefit Amount Fractures Open Closed Chips Up to $7,500 Up to $3,750 25% of closed amount Dislocations Open Closed Up to $6,000 Up to $3,000 Concussion $150 Coma $10,000 Ruptured Disc $800 Dental Work, Emergency Extraction Crown $100 $300 Emergency and Hospitalization Benefits Benefit Amount Ambulance (group, once per incident) Air Ambulance $400 $1,500 Emergency Room Treatment $150 Hospital Admission $750 Hospital Confinement $200 Medical Imaging Test $100 Outpatient Surgery Facility Service (once per incident) $50

Accident Coverage is available through UNUM. In addition to the coverages listed below, you also are eligible to receive a $50.00 Wellness Benefit just for having the Accident coverage. Simply have your annual physical each year (including one of the qualified tests) and receive $50 directly from Unum.

Long Term Care

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Long Term Care is available through UNUM. As an employee you are eligible for benefit amounts on a Guarantee Issue basis of up to and including $6,000 and a Facility Benefit Duration of 3 or 6 years.

Benefit Duration 3 Years 6 Years Unlimited Duration Facility Benefit Amount Per $1,000 increments $1,000 to $8,000 $1,000 to $8,000 $1,000 to $8,000 Assisted Living Facility Percent 60% 60% 60% Lifetime Maximum Per $1,000 Increments $36,000 $72,000 Unlimited Professional Home Care 50% 50% 50% Inflation Protection* - Option Compound Uncapped Compound Uncapped Compound Uncapped

Ancillary AFLAC Benefits

• Cancer Policy

AFLAC provides cash benefit directly to you, unless assigned , to pay expenses such as out-of-pocket medical expenses , deductible, co- payments, mortgage or rent, childcare expenses, or other daily living expenses.

• Universal Life

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LONG TERM CARE Provides up to 25 months of benefits for home healthcare, assisted living, adult day care and nursing home care EXTENSION OF LTC Extends LTC benefits up to an additional 25 months BENEFIT RESTORATION Restores the benefits paid out by LTC FAMILY COVERAGE Coverage is available for employees (ages 18-75), spouses (ages 18-70), children (up to age 23), and grandchildren (up to age 19) DIRECT PAYMENT Benefits paid directly to the policyholder enabling choices in care STREAMLINED UNDERWRITING Simple and efficient underwriting process EZ VALUE OPTION Automatically increases benefits to keep pace with an employee’s growing needs, without additional underwriting TERMINAL ILLNESS BENEFIT Accelerates up to 75% of the benefit if a doctor determines the policyholder’s life expectancy is 24 months or less

Telemedicine

Telemedicine is administered through New Benefits. This is a discount benefits program offering significant savings from thousands of providers across the nation. All of the benefits include the employee and his/her immediate family.

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Packages Benefits *Cost NFP Advantage

• Teladoc
• Health Advocacy
• Medical Bill Saver
• Nurseline
• Doctors Online
• Pharmacy

$8.93 NFP Advantage Plus

• Teladoc
• Health Advocacy
• Medical Bill Saver
• Nurseline
• Doctors Online
• Vision
• Dental
• Pharmacy
• Pet Care
• Lab Testing
• MRI & CT Scans
• Hearing Aids

$12.23 NFP Premier

• Teladoc
• Health Advocacy
• Medical Bill Saver
• Nurseline
• Doctor’s Online
• Vision
• Dental
• Pharmacy
• Pet Care
• Lab Testing
• MRI & CT Scans
• Hearing Aids
• Legal Care Direct
• ID Sanctuary Enhanced

(family)

• Roadside Assistance

$18.96

Benefit Resource Center

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• Visit https://www.forsyth.k12.ga.us/

under Staff Resources, select Benefits

• This site contains benefit information, informative videos on

each benefit offering, links to important documents and forms, and contact information.

Questions?

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NFP .com