Part-Time Benefits Information - Ruby Tuesday Benefits Enrollment
Transcription
Part-Time Benefits Information - Ruby Tuesday Benefits Enrollment
2016 Part-Time Benefits Information Stronger Together. Bigger. Better. Benefits. 1 Welcome to Your Benefits As a company that values and recognizes the contributions of each Team Member, we are proud to offer you and your family a quality, comprehensive benefits program. Recognizing the diversity of our population, Ruby Tuesday provides plans with the flexibility so each of you can select the right coverage based on your individual needs. Benefit Eligibility You are eligible for benefits if you are a regular, part-time Team Member You may also enroll your legal spouse. Dependents under the age of 26 or dependents over the age of 26 with a disability are also eligible for benefits. New Employees: If you enroll in benefits within 30 days of your hire date, your benefits will be effective on the 1st of the month following your date of hire. Coverage options include: Employee-Only, Employee & Spouse, Employee & Child(ren), and Family What You Will Find in this Guide 2 3 4 5 6 2 Welcome to Your Benefits Enrolling in your Benefits Medical Plan Options Dental/Vision Dependent Care FSA 7 Life/Disability/Worklife 9 Critical Illness 10 Employee Assistance Program 11 Premiums 12 Contact Information Two Ways to Enroll: Enrolling in Your Benefits Call the Enrollment Center 1 Call 1-888-659-0125 Making Changes No changes to your coverage can be made until the next Open Enrollment unless you have a Qualifying Life Event (QLE). Go Online Online Enrollment 1 Go to electbenefits.com/ rubytuesday 2 Enter Login: First two letters of your first name and first four letters of your last name plus last for of your Social Security number 3 Enter Password: Your date of birth as MMDDYYYY 4 Click enroll when you’re ready! Qualifying Life Event If you experience a QLE, you may make corresponding changes to your benefit coverage. Changes must be reported to Ruby Tuesday Benefits Administration within 30 days of your QLE date. Examples of QLEs include, but are not limited to, marriage, divorce, birth, adoption, change in benefits eligibility, and death. Do this at www.awd.benselect.com/enroll. Troubleshooting Please contact the enrollment center at 888-659-0125. 33 Medical Plan Options For 2016, the existing benefit plans were enhanced to include coverage for preventive and wellness services. These new plans are now ACA compliant, meaning you’ll be protected from any potential tax penalty relating to Health Care Reform. Now, let’s figure out which Benefit Plan you should consider electing: Silver Plan Gold Plan Lowest Cost Covers Preventive and Wellness Services Low Cost Covers Preventive and Wellness Services Silver Plan Gold Plan Indemnity medical and preventive services Indemnity medical and preventive services No deductible No deductible Initial Confinement: $1,000 Daily Hospital Confinement: $400 Initial Confinement: $1,500 Daily Hospital Confinement: $600 Yes, $20 per day Yes, $20 per day What is the doctor’s office visit benefit? $75 per visit $100 per visit What will a wellness visit cost? Free! Free! Will this plan protect me from the individual mandate penalty? Yes! Yes! What type of plan is this? What’s the deductible? What is the inpatient benefit? Does this plan cover prescriptions? 4 Dental and Vision Plans Good dental health is a critical component of your overall health. Your dental plan is offered by Guardian, provided by Allstate, and provides benefits for preventive, basic and major services. Orthodontia is available for children under age 19. The plan allows you to go to any provider you choose, but benefits are paid at a higher level when you use a Guardian network dentist. To find a Guardian network dentist in your area, call 800-541-7846. DENTAL What type of plan is this? Is there a network? Dental PPO A PPO dental plan allows you to see any participating dentist you like Yes, Guardian What’s the deductible? $50, waived for preventive What will a cleaning cost? Is Orthodontia covered? Is there an annual benefit maximum? 20% before deductible Yes, for children under age 19 Yes, $1,000 Annually If you wear glasses or contacts, you know vision expenses can add up. At Ruby Tuesday, vision benefits are offered by EyeMed Vision, provided through Allstate Benefits. Even if you don’t wear contacts or glasses, annual eye exams are recommended. To find an innetwork optometrist or ophthalmologist near you, call 866-679-1358. VISION What type of plan is this? Is there a network? What will a vision exam cost? What will prescription glasses cost? What will contact lenses cost? How often can I use my benefits? Vision Base Plan A base Vision Plan with copayments for exams, glasses and lenses Yes, EyeMed $10 Lenses: $25 Frames: Covered up to $130 Covered up to $130 Exam: Once every 12 mo Lenses: Once every 12 mo Frames: Once every 24 mo Contacts: Once every 12 mo 5 Dependent Care FSA What is a Dependent Care FSA? A Dependent Care Flexible Spending Account (FSA) allows you to set aside pre-tax funds to pay for dependent care expenses. Since these contributions are not subject to federal, state or payroll tax withholding, you receive more value for the dollars you spend on dependent care. Each year you must elect the amount you want to contribute to your FSA. Your contribution will be deducted from your paychecks in equal installments throughout the year and deposited into your account. If you are unable to estimate your dependent care costs accurately, it is better to be conservative and underestimate rather than overestimate your expenses. What can it be used for? BE CAREFUL! • Services provided by anyone other than your spouse or your dependent for the care of your children under the age of 13 • Services in a day care center • Services of a housekeeper whose duties include providing care for a qualified dependent • FSA funds are NOT yours to keep. • By law, whatever funds you do not use by the end of the year are forfeited! A Paying for Qualified Expenses • Each pay period, your designated FSA payroll dedution is automatically deposited into your FSA account • Submit a claim form throughout the plan year as you need your funds to pay for expenses 6 Life, Disability, and Work-life Benefits Voluntary Short Term Disability Supplemental Term Life 60% of income up to $5,000 per month Employee, Spouse, and Child Coverage Allstate’s individual short term disability insurance replaces a portion of your income if you are unable to work due to a covered injury or illness. This coverage can pay a monthly benefit to provide some income during a time of need. Common reasons people use this coverage include injuries, a covered pregnancy and digestive problems — such as gall bladder surgery. Life is unpredictable, but we all know that life has an expiration date. If something happens and you are gone, will your family be financially prepared to cover the expenses left behind? With Term Life insurance from Allstate Benefits, a cash benefit is paid to your beneficiary that can be used for any financial need that arises. Plus, an Accidental Death and Dismemberment benefit can be added to provide additional coverage. Voluntary Accident Insurance Voluntary Universal Life Low and High Benefit Options Up to $500,000 of coverage Guaranteed Issue Group voluntary accident coverage from Allstate Benefits pays cash benefits for expenses associated with an accidental injury and can help protect your finances should an accidental injury occur. Our benefits correspond with treatment for accidental injuries including hospitalization, emergency treatment, intensive care, ambulance, fractures, medical expenses, plus more. Life insurance coverage is for the living; those left behind must deal with final expenses, bills, mortgage, and expenses associated with day-to-day life. It can also help provide financial security during life-changing events that occur as you age and your needs change. Plus, fund value accumulation allows for loans and withdrawals when needed. 7 Life, Disability, and Work-life Benefits Identity Theft Protection Employee Stock Purchase Plan Two Coverage Levels Available Purchase Ruby Tuesday Stock Through Payroll LifeLock works to detect potential threats, alert you as soon as they detect a threat, and restore your identity in the case you do become a victim. Ruby Tuesday is proud to announce the Employee Stock Purchase Plan. You will be able to purchase Ruby Tuesday stock using your payroll deductions. There’s no fee, either! Pet Insurance 529 College Savings Plan Choose Any Vet You’d Like Save For College Through Payroll Deductions Pets are part of the family too, so why not insure them as well? Our Pet Insurance covers accidents, illnesses, procedures, x-rays, and more. Chronic Condition coverage included! Saving early for education is one of the most important decisions parents can make. Set aside earnings after-tax to help save for college expenses through payroll deductions. Roadside Assistance Low and High Benefit Options You and your covered family members are always prepared for the unexpected with 24/7 service. Ruby has Heart Give Back and Lend a Hand to Your Peers. Sometimes we all need a helping hand. This relief effort provides financial assistance to Ruby Tuesday employees in time of natural and man-made disasters and crises. 8 Educational Assistance Program Tuition Reimbursements for Qualified Expenses Earn up to a $1,000 per calendar year reimbursement based off of good grades and academic excellence. Team Members must apply and be approved prior to enrollment. Critical Illness with PinnacleCare Allstate Benefits Critical Illness 30% Nearly of medical conditions are misdiagnosed*. With PinnacleCare by your side, you will gain the peace of mind that comes with having an objective, unbiased resource to help guide you and your family through your most pressing health care challenges. * Compiled from data published by the Journal Allstate Benefits’ coverage helps offer financial support if you are diagnosed with a covered critical illness. With the expense of treatment often so high, seeking the treatment you need seems like a heavy financial burden. But when a diagnosis occurs, what you should be focusing on is getting better. With Allstate Benefits, you gain the power to take control of your health when faced with a covered event. Allstate Benefits and PinnacleCare teamed up to offer protection and support for you at a time of diagnosis. of The American Medical Association, 2009-2012. PinnacleCare Health Advisory Support In addition to your Critical Illness coverage from Allstate Benefits, you have access to health advisory services powered by PinnacleCare. To help you navigate through your illness, this enhanced health concierge service offers a unique combination of: exceptional medical resources unmatched range of services expert guidance Here’s How It Works Upon diagnosis of a covered critical illness, you contact PinnacleCare. Your advisor will help you to navigate through your health care challenge and connect you with top experts who can guide you to appropriate care and treatment. Your PinnacleCare advisor will: Help - Help you better understand your diagnosis and treatment options Collect - Collect, organize and review your medical records Identify -Identify a top medical expert to confirm the details of your diagnosis and appropriate treatment options (in-network and out-of-network options offered) Facilitate - Facilitate and schedule your appointment in an expedited manner Coordinate - Coordinate transfer of medical records for review prior to your scheduled appointment Follow Up - Follow up with you to ensure you are on the right path 9 Employee Assistance Program Some days it can be tough to manage the competing priorities in our lives, and keep it all running smoothly. If you need help with everyday issues that are becoming a little hard to handle, or you find yourself in a crisis situation, your Employee Assistance Program (EAP) is here for you. The EAP through BalanceWorks® is a confidential roundthe-clock service that helps employees and their families balance the demands of work, life and personal issues. We can offer support and resources for your concerns around parenting issues, work-related situations, relationship problems, substance abuse or even self-improvement. And, this employer-paid program is available to you, your spouse and others in your household. Services Available • • • • Counseling services Legal and Financial Consultations Personal Assistant Personalized Web Portal Confidential Conversations When you call our EAP, a trained professional will confidentially help you assess your needs and provide referrals to local resources at your request. We have community and professional services available, such as psychologists, marriage and family therapists and substance abuse counselors, to help you balance your work and home life. Ready When You Are We’re available whenever you are. We’re here 24 hours a day, 7 days a week either by phone or online. If it’s not convenient to call, you can find resources and self-help tools for your personal, family and work-related concerns on the EAP website. EAP covers the first 3 counseling sessions with referral at 100%. Additional visits after that have a cost associated. Contact 800-327-2255 or mybalanceworks.com Member ID: 21870326, Group ID: 8693 10 10 Premiums Note: These are weekly deductions. Medical Silver Gold Employee Only $26.60 $35.39 Employee + Spouse $48.89 $61.73 Employee + Child(ren) $44.29 $55.17 Family $64.69 $81.42 Dental Dental PPO Plan Vision Vision Base Employee Only $4.95 Employee Only $1.89 Employee + Spouse $9.86 Employee + Spouse $3.60 Employee + Children $14.83 Employee + Children $3.78 Family $20.44 Family $5.55 11 Contact Information Allstate Medical 800-937-7039 Eligibility and Claims Guardian Dental 800-541-7846 EyeMed Vision 866-299-1358 Allstate Voluntary 866-679-3054 LifeLock 800-543-3562 or LifeLock.com VPI Pet Insurance 877-202-8742 or PetsVPI.com 12 12
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