Know Your Benefits Learning Module April 1, 2016

Know Your Benefits
Learning Module
April 1, 2015 – March 31, 2016
1
CHC Benefit Programs and Plans
CHC offers an exceptional benefit package with various
options to meet the changing needs of CHC employees.
Please read through the information carefully so that you
can make the best decisions for you and your family.
Employees in a regular full-time or regular part-time
position that is regularly scheduled to work a minimum of
15 hours per week are eligible for the full range of CHC
benefits.
Note: If you are unsure of your employment status, please contact your recruiter.
3
The CHC Medical Plan accesses two networks of
providers:
Center Care
•
www.centercare.com
• Enspire PPO Networks
Phone: 270-796-3580
10/19/2016
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Enspire is a partnership between local physicians and The Medical
Center with the purpose to improve quality of care and the health of
patients.
This helps us provide quality care and a medical plan that provides
great affordable benefits
The physicians in Enspire are committed to improving quality of
care.
You and your family are encouraged to use an Enspire network
provider with a $20 office visit co-pay.
If you see a Center Care physician who is not in Enspire, the office
co-pay will be $40.
Currently there are over 200 physicians, nurse practitioners and
physician assistants in Enspire. All physicians are eligible to join
and there is no cost for them to do so.
Two Plan Options:
◦ CDH (Consumer Directed Health Plan)
◦ PPO (Preferred Provider Organization)
Both plans offer higher level of coverage at the CHC Hospitals
(MCBG, MCS, MCF, CRSH and as of Jan. 2016 The Medical
Center at Caverna).
Both plan options offer different levels of office visit copayment and coinsurance for the Enspire Quality Partners
Network, Center Care Network and out of network.
The CDH plan has a higher premium cost and lower out of
pocket costs
The PPO plan has lower premiums and higher out of pocket
costs.
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Deductible (You Pay)
Get Healthy Deductible
Facility Charges at a CHC Hospital
Center Care Network
Out-Of-Network
EE Only
EE/Spouse
EE/Child(ren)
Family
$200
$500
$1,250
$2,000
$200
$750
$1,875
$3,250
$200
$750
$1,875
$3,250
$200
$1000
$2,500
$4,500
$500
$300
$500
$300
$500
$300
$500
$300
25%
60%
25%
60%
25%
60%
$5,000
$5,750
Unlimited
$7,000
$8,125
Unlimited
$7,000
$8,125
Unlimited
$9,000
$10,500
Unlimited
$20
$40
$300
$20
$40
$300
$20
$40
$300
$20
$40
$300
$250
$500
$500
$750
$200
$200
$200
$119.93
$97.43
$186.12
CHC Hospital Copay (You Pay after deductible)
Inpatient at a CHC Hospital
Outpatient Surgery at a CHC Hospital
Coinsurance ( You Pay)
Center Care Facility
Out-of-Network
Annual Maximum Out of Pocket
CHC Facility
In-Network
Out-of-Network
Other Copays
Enspire Network Physician Office Visit
Center Care Network Physician Office Visit
Emergency Department Visit
Health Reimbursement Account (HRA) funded by
completion of Know Your Numbers and Health
Assessment
HRA funded by completion of certain wellness
activities
25%
60%
$200
Per Pay Period Deduction (Pre-tax)
Full-time
$44.39
Deductible (You Pay)
Get Healthy Deductible
Facility Charges at a CHC Hospital
Enspire Network/Center Care Network
Out-Of-Network
EE Only
EE/Spouse
EE/Child(ren)
Family
$200
$500
$1,500
$2,250
$200
$750
$2,750
$4,750
$200
$750
$2,750
$4,750
$200
$1000
$3,250
$6,000
$500
$300
$500
$300
$500
$300
$500
$300
30%
70%
30%
70%
30%
70%
$5,000
$6,000
Unlimited
$9,000
$11,000
Unlimited
$9,000
$11,000
Unlimited
$10,000
$12,250
Unlimited
$20
$40
$300
$20
$40
$300
$20
$40
$300
$20
$40
$300
$200
$200
$200
$200
$22.94
$64.15
$97.01
$148.56
$80.57
$124.40
$141.09
$231.32
CHC Hospital Copay (You Pay after deductible)
Inpatient at a CHC Hospital
Outpatient Surgery at a CHC Hospital
Coinsurance ( You Pay)
Center Care Facility
Out-of-Network
Annual Maximum Out of Pocket
CHC Facility
In-Network
Out-of-Network
Other Copays
Enspire Network Physician Office Visit
Center Care Network Physician Office Visit
Emergency Department Visit
Health Reimbursement Account – Funded by completion
of certain wellness activities.
30%
70%
Per Pay Period Deduction (Pre-tax)
Full-time
Part-time
• The Get Fit Club is provided at no cost to all CHC Employees.
• In the Get Fit Club, you can take an active role in your health care
decisions and help to manage the cost of health care.
• CHC partners with HealthFitness to offer you tools, resources and
support to help you live better, work and play better
• The Get Fit portal provides you with a personal wellness hub that’s
designed with more personalized tools, resources and simple
functionality to make health improvement what it should be – fun,
achievable and all about you.
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The HRA is used to offset out
of pocket costs for medical
expenses such as co-pays,
co-insurance and deductibles.
CHC deposits funds into your (HRA)
based when you complete wellness
activities in the Get Fit Club and based
on your level of coverage (Single,
Employee/Spouse,
Employee/Child(ren) or Family).
Unused balances roll over to the next
plan year
Funds are available as long as you are
enrolled in a CHC Medical plan.
Plan and
Coverage
Level
Potential
Annual HRA
Deposit
(will be prorated to
your Medical Plan
effective date)
CDH Ee Only
PPO Ee Only
$250 + $200
$200
CDH EE/Spouse
or EE/Children
PPO
Ee/Spouse or
Ee/Children
$500 + $200
CDH Family
PPO Family
$750 + $200
$200
$200
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You use the “Benny Card” to access your HRA and your FSA.
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Your HRA funds are added to a Benny Card.
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You will receive two HRA debit cards at your home address
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You use your Benny Card just like a debit card for medical plan co-pays, coinsurance,
deductibles
Health Reimbursement Account (HRA)
When do I use my HRA Benny Card?
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Health Care Provider services covered
by the CHC Medical Plan (excluding
Prescription Drugs Plan)
Co-pays, deductibles and co-insurance
for these services.
What is excluded from HRA fund
use?
Prescription Drugs
 Services not covered by the Medical
Plan such as chiropractor,
acupuncture, massage, etc.
 Dental expenses
 Vision expenses
(Note you can use FSA funds for these
expenses)
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Remember the HRA is used to pay co-pays, deductibles and co-insurance
of medical expenses only.
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Medical Plan
Spouse Eligibility
Spouses who have access to an employer-sponsored group
medical plan where they work are not eligible for coverage in
the CHC Medical Plan.
This does NOT apply to:
• Spouses whose employer does not offer group medical
coverage.
• Spouses who do not qualify for their employer’s group
medical coverage.
• Spouses who are self employed or not employed.
• Spouses who are retired and/or covered by Medicare
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Medical Plan
Spouse Eligibility – Action Required
If you plan to enroll your spouse in the CHC Medical Plan, you
will complete a Spouse Eligibility Affidavit attesting that your
spouse is eligible for coverage.
 For new hires: The Spouse Eligibility Affidavit form will
be provided to you on Day 1 of iConnect.
 For transfers: You obtain the form in
Citrix/HR_Payroll/Human Resources/CHC Benefit
Plans/Medical Plan
Note: If your spouse’s eligibility changes during the plan year,
you will need to submit a new Affidavit along with the necessary
Benefit Change or enrollment forms to add or remove your
spouse from your coverage.
10/19/2016
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Medical Plan
Dependent Eligibility Verification
• You will need to verify that each dependent you intend to enroll in the
CHC Medical, Dental or Vision Plans meets the eligibility requirements of
the plans.
• Upon request from the Dependent Verification Center at Aon/Hewitt, you
will need to provide documents to verify that each covered dependent
(spouses and/or children) is eligible for coverage.
• Examples of documentation include:
• marriage certificate
• birth certificate
• legal adoption papers
• If you do not provide the requested documentation your dependent(s) will
be removed from your medical, dental or vision plans.
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Medical Coverage Comparison
CHC Hospital Facility vs. Other Hospitals
Benefits
MCBG, MCF, MCS,
CRSH, MCC
All Other Network
Facilities
Out of Network
Facilities
Inpatient Hospital
Facility Charges
$500 co-pay per
admission (deductible
applies)
All Charges subject to
in-network deductible
and coinsurance
All Charges subject to
Out of Network
deductible and
coinsurance
Outpatient Surgery
Hospital Facility
Charges
$300 co-pay
(deductible applies)
All Charges subject to
in-network deductible
and coinsurance
All Charges subject to
out of network
deductible and
coinsurance
Outpatient Surgery
All Charges subject to
CHC Hospital
deductible and
coinsurance
All Charges subject to
in-network co-pay,
deductible and
coinsurance
All Charges subject to
out of network co-pay
deductible and
coinsurance
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Medical Coverage Comparison
CHC Hospital Facility vs. Other Hospitals (Cont.)
Benefits
MCBG, MCF, MCS,
CRSH, MCC
All Other Network
Hospitals
Out of Network
Hospitals
Outpatient Lab and
Radiology Hospital
Facility Charges:
(Lab, X-ray, Ultrasound,
Pet scan, CT, MRI)
Basic - $25 co-pay per
visit/day
Enhanced $75 co-pay
per visit/day
No Deductible
All Charges subject to
deductible and coinsurance
All Charges subject to
out of network co-pay
deductible and
coinsurance
Emergency Department
visit
$300 co-pay
$300 co-pay
$300 co-pay
Outpatient Ancillary:
Physician Charges
Subject to deductible
and co-insurance.
All Charges subject to
deductible and coinsurance.
All Charges Subject to
deductible and coinsurance.
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Medical Plan
Office Visit Co-Pays
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Both Plans have:
 $20 office visit Co-pay when using Enspire Providers
 $40 office visit Co-pay when using a Center Care Provider.
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Preventive Screenings are covered at 100% by the CHC Medical Plan to include the
following:
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Prostate Exam and PSA screening
Mammogram Screening
Cervical Cancer Pap Smear
Annual Gynecological Visit
Colonoscopy
Other preventive treatment as defined by Health Care Reform
Enrolled employees will receive a complimentary membership in the Women’s Center or
Men’s Health Alliance. This membership includes a certificate for an annual free lipid
profile and glucose screening. Applications for membership are available at Community
Wellness or by calling extension 1010.
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www.HealthSmart.com
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All medical plan participants receive prescription drug
benefits.
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There are three tiers of plan benefits/co-pays based
on Generic, Preferred Brand or Non-preferred
Brand prescriptions.
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Annual deductibles of $100 (single) or $200 (family)
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There is a mail order feature for 90-day maintenance
medications
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Covered participants receive special discounts at the
Riverside Pharmacy located at 825 2nd Street East,
(next to The Medical Center Bowling Green).
Employees who work at The Medical Center (Scottsville) or
The Medical Center at Franklin can have prescription medications
delivered from Riverside Pharmacy to their work location.
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Prescription Drug Co-payments
30 day supply
Note: After meeting the annual deductible of $100 (single) or $200 (family),
your co-pays are:
Generic:
25%
(minimum of $15;
maximum of $25)
Preferred Brand:
25%
(minimum of $25;
maximum of $75)
Non-preferred
Brand:
50%
(minimum of $50;
maximum of $125)
Clarification: Family Deductible is $100 per person, up to the family deductible of $200.
One person cannot meet the family maximum.
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Mail Order or Mail at Retail
Prescription Drug Co-payments (for 90-day supplies of maintenance medications)
After meeting annual deductible of $100 (single) or $200 (family),
your co-payments are:
Generic:
25% (minimum $25,
maximum $63)
Preferred Brand:
25% (minimum $63,
maximum $188)
Non-preferred Brand:
50% (minimum $125,
maximum $313)
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Other Prescription Drug Benefits Available Only
through Riverside Pharmacy
Reminder - All Medical Plan participants receive
prescription benefits.
 $5.00 co-pay for 30-day generics and $10 for 90-day generics
 Flavoring for children’s liquid medication
 Free delivery to MCS and MCF
 TimeMyMeds Program – to coordinate all your prescription
refills for the same day each month.
 Over the counter items are sold AT COST to all CHC
employees (show your ID Badge).
 Convenient hours (Monday through Friday from 8:00 am to
6:00 pm., and Saturday from 8:00 am to 1:00 pm.
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CHC Medical Plan Members
Reduced Co-pay at the Riverside Pharmacy
Type
Description
Co-Pay
Generic Retail
30 Day Supply
$5.00 Co-pay*
Generic Choice 90
90 day supply
(Maintenance
Medication)
$10 Co-pay*
* Subject to Annual Deductible
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Medication Therapy Management Services at
Riverside Pharmacy
Reduced Co-Pays for Medication Therapy Management (MTMS) services are
offered at the Riverside Pharmacy for treatment of:
Asthma
Allergy
Diabetes
Hypertension
High Cholesterol
CHF (Congestive Heart Failure)
$0.00 Co-pay for 30 or 90 day Generic Prescriptions (no deductible required)
If no generic is available, a $5 reduction of retail co-pay or $10 reduction of mail
order/choice 90 co-pay (after deductible).
Medication Therapy Management services are offered only at the Riverside Pharmacy. An
appointment can be made by calling at 270-780-2650.
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EMPLOYEE HEALTH MEDICAL CLINIC
• The Employee Health Medical Clinic provides treatment for limited acutetype free of charge.
• This includes treatment for illnesses as well as physical exams.
• Call Employee Health Services to make an appointment and to check office
hours.
CHC Employee Health Services
Medical Clinic
720 Second Street, Suite 207
Bowling Green, Kentucky 42101
(270) 745-1263 * Fax (270) 796-2528
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The Health Care Flexible Spending Account allows you to set aside pre-tax
money that is used to pay for qualified medical care expenses, including:
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Deductibles, co-pays and co-insurance expenses
Prescription drug co-pays
Dental and vision expenses not covered by insurance.
Chiropractic services
Certain over the counter products (insulin, contact lens solution bandages,
etc.)
To enroll in FSA, complete the FSA Enrollment Form and submit to the
Human Resources Department within 31 days from your hire date.
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For New Hires: The FSA Enrollment Form will be provided
in your New Employee Orientation packet.
For Transfers: You obtain the FSA Enrollment form in
Citrix/HR_Payroll/Human Resources/CHC Benefits/Flexible
Benefit Plan. Complete the form and subnit it to Human
Resources.
The FSA Plan year is April 1 through March 31.
You can save up to $2,500/year to the HealthCare account
◦ Unspent balances of $500 in the HealthCare account can be
rolled over to the next plan year.
You can save up to $5,000/year to the Dependent Care
account
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The Dependent Care Flexible Spending Account is a tax-free to pay for qualified
dependent care expenses, including:
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Qualified daycare expenses for children
Qualified preschool and before/after school care
Qualified daycare expenses for adults
To enroll in FSA, complete the FSA Enrollment Form and submit to the Human
Resources Department within 31 days of your hire or transfer date.
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If you are a regular, full time employee, you can decline CHC’s medical covrage and
receive an opt-out credit equal to $35 per pay period ($910 per year) to either your
Health Care or Dependent Care Flexible Spending Account. You will need to be
enrolled in other employer group medical coverage if you want to elect the Opt Out
Option.
If you elect your Health Care Spending Account the following conditions apply:

CHC will fund up to $500 to your Health Care Flexible Spending Account only
if you also contribute the same amount into the account. The remaining balance
of the $910 annual opt-out amount will be paid to you as regular pay on a pay
period basis and will be subject to taxes.

If you don’t want to contribute anything to your Health Care Flexible Spending
Account, CHC will not be able to fund your account and you will receive the
$910 opt-out amount each pay period as regular pay, subject to taxes.
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Administered by Health Resources Inc. and Dental Health Options (HRI)
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Covered dependents to age 26 regardless of full time student or marital status
No deductibles or claim forms
No balance billing when using network providers
No pre-existing condition clause
Orthodontia for children AND ADULTS
Large network of dental providers (network list available through HRI website. You
will be able to connect to this website through the CHC Intranet).
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Dental Plan Highlights
Preventive & Diagnostic
services:
covered at 100%
Basic services:
covered at 80%
Major services:
covered at 50%
Orthodontic services :
covered at 50% for children
AND ADULTS (up to
$1,000 lifetime benefit per
person)
Up to $1,200 maximum benefits each plan year for each
covered person
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Dental Plan Premium Cost
Full-time employee per pay period cost (on a pre-tax basis):
 You only
 You & dependents
$2.31
$9.89
Part-time employee per pay period cost:
 You only
 You & dependents
$5.34
$12.91
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Vision Plan
 Provided through Humana Vision
 Features both In-Network and Out-of-Network benefits
 Dependents covered to age 26, regardless of full time
student or marital status.
 Humana will mail your Vision Plan membership card
to your home address.
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Higher benefits paid when using In-Network providers
In-Network benefit highlights:
Vision exam every 12 months $10 co-pay
Lenses (once every 12 months) $ 0 co-pay
Frames (once every 24 months) $130 allowance, 20% off balance over
$130
Elective contact lenses $130 allowance, 15% off balance over $130
Review the Humana Benefits Booklet for Out of Network Benefits
available through Citrix/HR_Payroll/Human Resources/CHC Benefit
Plans/Vision Plan
36
Vision Plan Highlights
(continued)
Lens Options
UV Coating
$15 co-pay
Tint
$15 co-pay
Standard Scratch Resistance
$15 co-pay
Standard Polycarbonate
$40 co-pay
Standard Anti-Reflective
$45 co-pay
Standard Progressive
$65 co-pay
Other add-ons & services 20% off retail price
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Vision Plan Premium Cost
(Full time and Part Time)
Per pay period costs (on a pre-tax basis):
You only
$ 3.31
You & spouse
$ 5.63
You & child(ren)
$ 5.63
You and family
$ 8.94
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Benefit Plan ID Cards:
Benefit I.D. Cards will be mailed to your home address.
1.
2.
3.
4.
Medical Plan ID Card from CHC Medical Plan (CoreSource)
Dental Plan ID Card from HRI
Flexible Spending Account Debit Card
Vision ID Card from Humana
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Enrollment for Benefits:
Remember:
Full-time and Part-time employees must
complete the on-line enrollment within 31
days of your hire or transfer date!
10/19/2016
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If you do not elect your benefit coverage on-line in
myHRaccess within 31 days of your date of hire or
transfer, you will not be enrolled in any CHC benefit plan
and you will not be able to enroll again until the next
Open Enrollment period (April 1of the next year) unless
you have a qualifying event during the plan year.
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What If I Want to Make a Change in
Elections?
• You cannot add, change or drop coverage until the next open enrollment
period unless you experience a “Qualifying Event” as defined by federal
law:
- Marriage
- Divorce
- Birth of child- Adoption
- Loss of dependent through death or change in eligibility status
- Loss or gain coverage through loss or gain of spouse’s employment
• Open Enrollment occurs each year in Feb./March for an April effective date.
42
What About Retirement
Benefits?
43
Your Hire Date is AFTER 7/1/2009
Your Hire Date is BEFORE 7/1/2009
403(b) Plan and Retirement Savings Plan
• You are automatically enrolled at a 3% pretax contribution rate after 90 days in an
eligible status.
• You can enroll immediately and you can
increase or decrease your contribution rate
up to the maximum IRS limit (even to 0%)
• CHC will match your 403b contributions at
50% up to 6% of pay in the Retirement
Savings Plan (RSP).
• CHC will make an additional service based
contribution of 1% to 5% based on your
years of service.
• You are immediately vested in your
contributions and you are 100% vested on
the CHC contributions after 3 years.
Revised Retirement Plan
• You are automatically enrolled in the Revised
Retirement Plan. The plan is paid completely
by CHC.
• You are fully vested after 5 years of credited
service.
403(b) and Retirement Savings Plan
• You are automatically enrolled at a 3% pretax contribution rate after 90 days in an
eligible status.
• You can enroll immediately and you can
increase or decrease your contribution rate up
to the maximum IRS limit (even to 0%).
• CHC will match your 403b contributions at
50% up to 5% of pay in the Retirement
Savings Plan (RSP).
• You are immediately vested in your 403b
contributions and you are 100% vested on the
CHC contributions after 3 years.
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Additional Information: 403b
Plan and Retirement Savings Plan
 An information packet from BB&T will be mailed to your
home address within 30 days before your enrollment and will
contain your username and password.
 You use your username and password to manage your account
on-line through the BB&T website.
Change Investments
Change your Contribution
 If you are a new hire, you will complete a Beneficiary
Designation form during Day 1 of iConnect.
 If you are a transfer, you obtain the forms in
Citrix/HR_Payroll/Human Resources/CHC Benefit Plans/403b
Plan and RSP and Revised Retirement Plan. Send the forms to
Human Resources.
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What is CHC Paid Time Off (PTO)?
Paid Time Off is…
a combination of paid Vacation, Holiday and Sick Leave that is
integrated into a Paid Time Off Policy.
PTO leave is typically used for…
Paid short duration sick leave
Paid holiday leave
Paid vacation leave
Other paid personal time off
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Who is Eligible for PTO?

PTO is available to all Full-time and Part-time employees regularly scheduled to
work at least 15 hours per week.

PTO becomes available the pay period following 90 days in an eligible status.
PTO leave will be approved for Recognized Holidays that occur during the 90-day
eligibility period.

There are 6 recognized holidays – News Years, Memorial Day, Independence Day,
Labor Day, Thanksgiving and Christmas).
 The PTO Bank will be reduced by the number of PTO hours used during the
eligibility period
47
PTO ACCRUALS
How does it work?
Eligible employees accrue a portion of Paid Time Off each pay
period based on the number of worked/scheduled hours in the
pay period.
 Up to a maximum of 80 hours per pay period.
 PTO leave does not accrue while on paid or unpaid leave of
absence or during any period of unpaid time.

48
PTO Accrual Schedule
PTO Hours
Earned Per Pay Period
Length of
Service
Hour
Maximum Per
Pay Period
Maximum
Per Year
< 5 years
0.084625
6.77
176
5 < 10 yrs
0.103875
8.31
216
10 yrs+
0.123125
9.85
256
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Holiday Premium Pay

For Full time, Part time & PRN* hourly employees scheduled to work on
one of the 6 recognized holidays.

The employee receives holiday premium pay of 1.5 times their base
hourly rate.

PTO hours are not reduced by the holiday hours worked. (PTO hours are
available for use at a future time.)
* does not apply to Per Diem employees
50
SHORT TERM WEEKLY
INCOME (SWI)
51
What is SWI?

SWI is a short term disability plan that provides pay if you
have a qualifying short-term illness or injury that exceeds
seven calendar days.

Beginning on the 8th calendar day, Short Term Disability will
provide 60% of your base pay for a period up to 26 weeks for a
qualifying absence.

You may choose whether to receive Paid Time Off for worked
hours missed during the 7 calendar day elimination period

If you do not choose to use Paid Time Off for the elimination
period, your first 7 calendar days will be unpaid.
52
SWI Premium and Taxation
CHC pays 100% of the premium of the Short Term Disability
Plan.
You can choose to pay the tax on the premium that CHC pays
for you so that the benefit when paid is tax free.
If you do not pay the tax on the premium, the benefit when paid
will be taxed.
You will make your choice when you enroll on-line for benefits.
53
SWI Premium Calculator
What is it?
The SWI Premium Calculator is a tool that estimates the amount of the SWI payroll tax
and the SWI disability benefit.
 You access the Short Term Disability Premium Tax Calculator by logging into
Citrix/HR_Payroll/Human Resources/CHC Benefit Plans/Short Term Weekly
Income Plan (SWI).
54
What Do I Do If I Need a Leave of Absence
(LOA) And/Or Need to Use My SWI Benefits?

Contact CIGNA, CHC’s Leave Administrator.

You can contact them by phone at:
1-888-84-CIGNA (1-888-842-4462) or ext. 2580 to request a
leave of absence and use of your Short Term Disability
benefit.
55
Accessing SWI Benefits

SWI payments are issued by a mailed check from Cigna

You may choose whether to receive Paid Time Off for work
hours missed during the 7 calendar day elimination period prior
to using Short Term Disability benefits.
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How to Request a Leave of Absence and SWI
Benefits
1. Immediately contact your supervisor to notify she/he of your need for a
Leave of Absence.
2. Contact Cigna to discuss the process and your responsibilities.
3. Cigna will obtain your medical information (medical facts, expected
duration, etc.) from your healthcare provider to determine your eligibility,
the medical necessity and expected duration of the leave.
4. If approved, Cigna will communicate SWI/Leave of Absence approval to
your Manager and HR.
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Returning to Work After a LOA
 When you are released to return to work, go to the Employee
Health Office to be released to return to work on your
scheduled return date (with or without medical restrictions or
limitations) and bring a Return to Work statement from your
healthcare provider.
 If you are unable to return to work on your original scheduled
to return date, you will contact Cigna to request an extension
and additional leave.
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CHC Provided Group Life Insurance for
Full-Time Employees
Group Life Insurance is administered by Cigna
 100% paid by CHC for full-time employees only.
 The benefit amount for full-time employees is:
1.5 x Base annual salary, with a minimum
benefit of $25,000 and a maximum benefit
of $150,000
Includes Accidental Death and Dismemberment
(AD&D) coverage equal to the Group Life amount
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Tuition Reimbursement
Provides reimbursement for courses that are job-related
and/or required to obtain a job-related degree.
You must receive a passing grade of a “C” or better.
Provides reimbursement for undergraduate & graduate
courses - not to exceed a maximum of $2,500 per
calendar year.
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TUITION REIMBURSEMENT
Who is eligible?
 Employees in a regular full-time or regular part-time
status who are regularly scheduled to work a minimum
of 15 hours per week.
 Have completed one year of continuous service and,
 Have completed 1000 hours of service in the 12 months
preceding the semester end date, and
 Be actively employed in an eligible status at the time of
reimbursement.
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STUDENT LOAN FORGIVENESS
Innovative Student Loan Solutions (ISLS)
ISLS helps full time nonprofit employees eliminate student loan
debt through the Public Service Loan Forgiveness Program
(PSLF).
To find out if you qualify visit http://CHC.myisls.com, register
with the code CHC1 and answer 5 questions. If you qualify you
can schedule an no-obligation consultation to find out more and
get started.
Find out more on this program at Citrix/HR_Payroll/CHC
Benefit Plans/Student Forgiveness
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EMPLOYEE ASSISTANCE PROGRAM (EAP)
CONFIDENTIAL COUNSELING SERVICES
LifeServices EAP – 1-800-822-2447
EAP is free confidential help that is paid by CHC.
Confidential, professional short-term counseling,
referral and follow-up for you and your family members.
Services include:
Marital & Family
Depression
Alcohol/Drug
Financial
Grief and Loss
Childcare
Legal
Parenting
Eldercare
Stress
Anxiety
Daily Living
In the event of an emergency, LifeServices is available 24 hours a day
to respond to your call.
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Voluntary Benefits
You may choose to enroll in the following additional
voluntary benefit plans:
 Voluntary Life Insurance
 Voluntary Long Term Disability (hourly employee only)
 Cancer Insurance
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Voluntary Life Insurance
 Available to Full-Time and Part-time employees.
 Offered through Cigna.
 You must complete the on-line enrollment through
myHRaccess if you wish to participate in this plan.
 You may elect coverage for yourself, your spouse and your
child or children.
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Voluntary Life Insurance (continued)
EMPLOYEE TERM LIFE
 You may elect coverage amounts from $10,000 to $150,000 in
$10,000 increments.
 This benefit is guaranteed issue if you enroll when you are
newly hired or transferred.
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Voluntary Life Insurance (continued)
SPOUSE COVERAGE
 Spouse coverage* available from $10,000 to $50,000 in
$10,000 increments
 The premium cost is based on your age.
 This benefit is guaranteed issue if you enroll your spouse when
you are newly hired or transferred.
 Spouse coverage available until spouse is age 70.
 You are the beneficiary for this coverage.
*Note – spouse coverage cannot exceed your employee coverage amount.
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Voluntary Life Insurance (continued)
CHILD or CHILDREN TERM LIFE
 $10,000 coverage for each child
 This benefit is guaranteed issue if you enroll your
child or children when you are newly hired or
transferred.
 You are the beneficiary for this coverage.
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Voluntary Long Term Disability
Insurance
 Offered with Cigna
 Available to full-time hourly employees
 As a New Hire or Transfer, no proof of insurability is
required if you elect coverage within 31 days of your hire
date.
 You elect LTD coverage on-line in myHRaccess.
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Voluntary Long Term Disability
Insurance (continued)
Elimination Period – 180 days (plan benefits start after the end of
this period)
Benefit Amount - for qualifying disability:
60% of monthly salary, to a maximum benefit of $5,000/month
Benefit Duration – up to your Social Security normal retirement age
(between age 65 and 67, depending on your date of birth)
Pre-existing Conditions – Consult the plan for rules related to preexisting conditions (for conditions existing within 12 months before
obtaining coverage and within the first 24 months of coverage)
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Group Long Term Disability
Insurance for Exempt Employees
Elimination Period – 180 days (plan benefits start after the end of
this period)
Benefit Amount - for qualifying disability:
60% of monthly salary, to a maximum benefit of $15,000/month
Benefit Duration – up to your Social Security normal retirement age
(between age 65 and 67, depending on your date of birth)
Premium – CHC pays the premium for this plan.
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Voluntary Cancer Insurance
Offered through Allstate
Available to Full-Time and Part-time employees
As a New Hire, no proof of insurability is required if
enrolled within this 31 day enrollment period.
You must elect coverage on-line through myHRaccess
if you want voluntary cancer coverage.
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Voluntary Cancer Insurance (continued)

Pays benefits directly to you for a one time initial
diagnosis of cancer.
 Pays benefits directly to you in the event you receive
treatment for cancer or other specified illnesses.
 Two plan options are available:
Basic Plan or
Enhanced Plan
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Voluntary Cancer Insurance (continued)

Basic Plan benefit highlights include:

Enhanced Plan benefit
highlights include:

$25 per person calendar year wellness
screening benefit

$100 per person calendar year wellness
screening benefit

Up to $10,000 annual
radiation/chemotherapy benefits per
person
Up to $200/day for hospital confinement
for first 70 days

Up to $300/day for hospital confinement
for first 70 days
Plan features benefits for 29 other
specified diseases

Plan features benefits for 29 other
specified diseases
Up to $1,500 for surgical procedure (per
plan provisions)

Up to $4,500 for surgical procedure (per
plan provisions)




Up to $5,000 annual
radiation/chemotherapy benefits per
person
See plan information for details about covered benefits, maximum benefits and benefit
limitations.
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Voluntary Cancer Insurance (continued)
Per pay period cost rates are (on a pre-tax basis):

Basic Plan:

Enhanced Plan: $12.02 (single), $20.30 (family)
$5.54 (single), $9.32 (family)
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Voluntary Benefits
Guarantee Issue
 As a new hire or transfer, you can enroll in voluntary
benefits regardless of health condition.
 Should you wish to enroll at a future date, you will be
required to complete a Medical Evidence of Insurability form
and could be denied coverage.
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What is myHRaccess?
 myHRaccess is the powerful on-line tool that
allows you to enroll in Medical, Dental, Vision,
Voluntary Term Life, Disability and Cancer
Insurance.
 In addition you choose to tax or pay no-tax your
SWI premium when you complete on-line
enrollment.
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How Do I Enroll?
New Hires
 On Day 1 of iConnect you will be given a computer
password and you will receive training for accessing
NetLearning and other computer applications.
 You will be assigned the myHRaccess On-line Enrollment
Tutorial through NetLearning.
 The Tutorial will give you step by step instructions outlining
how to use myHRaccess to enroll for your benefits elections.
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How Do I Enroll?
Transfers
 You have been assigned the myHRaccess On-line Enrollment
Tutorial in NetLearning.
 This Tutorial gives you step by step instructions in using
myHRaccess to enroll for your benefits elections.
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For New Hires
You have been assigned the myHRaccess Computer
Based Learning (CBL) Module through NetLearning.
By completing this CBL you provide your electronic
signatures, acknowledgements and medical
authorizations.
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Questions?
For New Hires: On Day 1 of iConnect you will receive a packet that contains:
 New Employee Benefit Enrollment Checklist
 Spouse Eligibility Affidavit
 Flexible Spending Account Enrollment Form
 Beneficiary Designation Forms
 Important Benefit Information
For Transfers: You obtain this same information through
Citrix/HR_Payroll/Human Resources/CHC Benefit Plans and
then choosing the appropriate benefit plan.
For benefits questions and assistance at any time,
please contact extension 1540.
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Thank you for completing the CHC
Know Your Benefits Learning Module
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