OE2019 Agency Job Aid (updated 10-9-18) Contents Initial Open Enrollment Queries and Email Templates (to be run and sent by Agencies).................................................................2 Monitoring Queries........................................................3 Employee Messaging Calendar (subject to change)...........................3 Agency Resources..........................................................4 Pre-OE/Start of OE Agency Checklist.......................................5 Dental Plan Transition....................................................5 Opt-Out Stipend...........................................................6 BAS Group ID and OE for Employees with Multiple Jobs.....................13 BAS Group ID...........................................................13 Employees with Multiple Jobs...........................................13 DEF Benefit Program......................................................13 Confirmation Statements and Online Benefits File.........................14 How an Employee Views Confirmation Statement...........................14 How Agency Can View Individual Confirmation Statement..................15 How to View/Print Confirmation Statements for Entire Agency or Department .......................................................................15 Sample Confirmation Statement..........................................17 Paper Application Entry..................................................18 New Hires and OE.........................................................19 October Hires..........................................................19 December Hires.........................................................20 Life Events and OE.......................................................20 During Open Enrollment.................................................20 After Open Enrollment..................................................20 Central Benefits Monitoring..............................................20 Employee Messaging.......................................................21 When to Create a Ticket..................................................21 1
Transcript
OE2019 Agency Job Aid (updated 10-9-18)
ContentsInitial Open Enrollment Queries and Email Templates (to be run and sent by Agencies)......................................2
Pre-OE/Start of OE Agency Checklist.....................................................................................................................5
Dental Plan Transition............................................................................................................................................5
BAS Group ID and OE for Employees with Multiple Jobs.....................................................................................13
BAS Group ID...................................................................................................................................................13
Employees with Multiple Jobs.........................................................................................................................13
Paper Application Entry.......................................................................................................................................18
New Hires and OE................................................................................................................................................19
October Hires...................................................................................................................................................19
December Hires...............................................................................................................................................20
Life Events and OE...............................................................................................................................................20
During Open Enrollment..................................................................................................................................20
After Open Enrollment.....................................................................................................................................20
Central Benefits Monitoring................................................................................................................................20
When to Create a Ticket......................................................................................................................................21
All open enrollment agency resources are available on the Open Enrollment for Administrators Website.
Plan to attend the OE Touchpoint webinar (no in-person option) on October 15 th from 2 – 3pm. Webinar registration: https://attendee.gotowebinar.com/register/2836542481310724610
All employees who will be receiving emails via employee messaging (all employees with an OE event) OE_2019_EE_MESSAGING 9-27-18
All employees who should receive an initial OE notification (all active employees not in the DEF benefit program)
OE_2019_INITIAL_EMAIL 10-1-18
All employees in the DEF benefit program (won’t automatically get an OE event) OE_2019_DEF_BN_PROGRAM 10-1-18
Employees who are currently in SMP – will need to pick a new plan if not in Forest County (note – very few employees so your query might be blank)
OE_2019_SMP_FLORENCE 10-5-18
Employees whose home address in in Forest County – to let them know SMP is only qualified health plan OE_2019_SMP_FOREST 10-5-18
Employee who have a LOA listed on job. Agency can determine best method to contact these employees about OE. Use the initial employee email template as a guide for your communication.
OE_2019_EE_ON_LOA N/A 1st week of OE
Employees whose health insurance is waived and not enrolled in OOS. Agency to determine if they want to contact these employees to let them know they may be eligible for the Opt-Out Stipend.
OE_2019_HEALTH_WAIVED_2018 N/A Set by agency
Added 10-3-18: Employees currently enrolled in a health insurance without dental who are enrolled in Anthem, EPIC Benefits+, or Dental WI. They will not have basic and preventative services covered if they don’t enroll in health insurance with uniform dental benefits.
OE_2019_SUPP_DENTAL_NO_UDB 10-5-18
The following emails are optional – employees in these categories who have not made an election by the mid-point of OE will start receiving emails via Employee Messaging.
2
Population Query E-Mail Template Target Send Date
Employees enrolled in ERA (Healthcare/LPFSA, Dependent Day Care FSA and Parking/Transit ERA) to let them know they must re-enroll for next year
OE_2019_ERA_ENROLLED_2018 10-5-18
Employees currently enrolled in HSA to let them know they must re-enroll for next year OE_2019_HSA_ENROLLED_2018 10-5-18
Employees currently enrolled in the OOS to let them know they must re-enroll for next year OE_2019_ACTIVE_2018_OOS 10-5-18
Monitoring Queries
Population Query When to Run
All employees with an OE event OE_2019_OE_EVENT As needed
Shows all OE events and what status they are in - can prompt by process status or leave blank and will pull back all event statuses OE_2019_OE_EVENT_STATUS As needed
This is the ongoing Open Events Query. Enter Schedule ID OE2019 to monitor open OE events and Schedule ID EM2017 to monitor your other open events.
WI_BN_OPEN_EVENTSDaily with EM2017 Schedule ID; as needed with OE2019 Schedule ID
Employees enrolled in the Access Out of State Plan (can only be in plan if required to work out of state) OE_2019_ACCESS_OUT_STATE
During and after OE – determine if enrollment valid
Employees with missing dependent DOBs OE_2019_DEP_MISSING_DOBDuring and after OE – work with employee to collect information
Employee Messaging Calendar (subject to change)All emails sent via Employee Messaging will be sent to the email attached to an employee’s STAR log in credentials (IAM). This is almost always the employee’s business email address.
Population Query Message Date Sent
All benefits-eligible employees who will have an OE event OE_2019_EM_INITIAL 9-27-18
Added 10-3-18: OE Event in Notified Status (has saved but not submitted OE election) OE_2019_EM_NOTIFIED
10/5, 10/12, 10/19, 10/22-
10/26
3
Population Query Message Date Sent
Added 10-9-18: Enrolled in HDHP and regular Healthcare FSA OE_2019_EM_HDHP_ERAMED 10/8, 10/15,
10/22, 10/24 – 26
Added 10-9-18: Enrolled in LPFSA and non-HDHP Health Insurance
OE_2019_EM_LPFSA_NO_HDHP
10/8, 10/15, 10/22, 10/24 – 26
Added 10-9-18: Submitted OE election, enrolled in HDHP but did NOT enroll in HSA OE_2019_EM_HDHP_NO_HSA 10/8, 10/15, 10/22
The following is a tentative schedule – queries and emails forthcoming (subject to change)Will be updated as information is finalized
Mid-OE Email Reminder to all employees with an OE event 10-12-18
Enrolled in outgoing dental plan but has not enrolled in Delta Dental
Throughout last 2 weeks of OE
Enrolled in OOS in 2018 but hasn’t enrolled for 2019 (and not enrolled in health for 2019)
Throughout last 2 weeks of OE
Enrolled in HDHP but has not made 2019 HSA election (whether OE election finalized or not)
Throughout last 2 weeks of OE
OE Event in Prepared Status (has not touched OE event) Last week of OE
Agency ResourcesTemplate Open Enrollment PowerPoint
Template PPT that agencies can use when giving OE presentations. It’s very long so edit if time is an issue. This is also the PPT that is included in the Open Enrollment Employee Toolkit (the version in the toolkit is in PDF).
Template OE Flyer (to hang around the building)
Option Code Sheets
It is recommended that you use the Health Plan Filter when entering paper applications. However, if you don’t, the current option codes sheets are below.
2019 Option Code Sheet (for events with a 1-1-19 or later event date – this includes OE) 2018 Option Code Sheet (for events with a 10-2-18 or later event date that were created on 9-25-18 – this is
when the benefit programs were updated)
Sandbox Environment
The Sandbox environment should be available on October 1st by mid-day: https://wi-phrsbx.wi.gov/psp/phrsbx/?cmd=login&languageCd=ENG&. If you can’t log in, please let Nicole Zimm know.
All SSO tickets relative to Open Enrollment issues should start “OE2019”
Tasks Leading Up to the Start of OE/right at the beginning of OE
Review the OE Administer Job Aido Run all querieso Send all applicable emails using the templates provided
Familiarize yourself with the OE Administrator Resources Page
Daily Tasks
Run WI_BN_OPEN_EVENTS with a Schedule ID of EM2017
o If there is a 2018 event blocking the OE event from preparing, finish entry on the 2018 event and submit a ticket to have Central Benefits re-process the OE event.
Enter all non-OE paper applications immediately if the event date is in 2018
o Submit ticket to have OE event re-processed once initial entry is done
Encourage new hires to submit benefit elections ASAP
o New hires with prior WRS service
Once new hire elections are done, submit ticket to have OE event re-processed.
o New hires without prior WRS service
If the employee will have 2 months of service PRIOR TO 1-1-19, once new hire elections are done, if there is no SHR event yet, create a manual SHR event with an event date = date the employee has 2 months of service. Enter the health election on the SHR event.
Create a ticket to have the OE event re-processed or created.
Enter OE paper applications as needed (encourage use of eBN)
Do not move an employee’s primary benefits flag to a different empl record – submit a ticket if this is needed
Create a ticket if you have an employee in the DEF benefit program who wants to enroll in ERA during OE
Dental Plan TransitionCoverage under Anthem Dental, EPIC Benefits+ and Dental Wisconsin will be terminated when an employee’s OE event is finalized. Coverage will end as of December 31, 2018 (there will be a 1-1-19 termination row entered on the enrollment page).
All premiums owed to these plans must be remitted to the plans no later than February 1, 2019.
The final payroll deductions will come out of 2019 PP2 All paper checks must be deposited no later than 1-18-19 The final payment to these plans will generated on 1-24-19
Collection for any outstanding premiums owed must after the final payment is generated on 1-24-19.
Late Year Terminations – COBRA
Per the most recent guidance by ETF, employees terminating prior to January 1st should be provided the continuation form for both their current plan and the Delta Dental continuation form and application. Additional information should be forthcoming.
Opt-Out StipendEmployees will apply for the Opt-Out Stipend through eBenefits. There is no need for an employee to complete a paper application to apply.
During OE, employees will apply for OOS through eBN
o Reminder- new hires must apply for stipend via paper health application. Agencies will enter OOS enrollment on either SHR or OOS event
NEVER enter Opt-Out Stipend directly in to Additional Pay
Employees will be enrolled in the Opt-Out Stipend simple benefit plan
Enrollment in the OOS plan will automagically create the OOS entry in Additional Pay
When an employee terminates, the OOS plan enrollment and the OOS Additional Pay election will end when the TER/RET/TRA/TWB event is finalized.
The employee must take the following actions in eBenefits to enroll in the Opt-Out Stipend benefit plan.
1. Waive health insurance on the OE event (if not already waived)
2. Click on the Edit button next to Opt Out Stipend
3. Answer the Opt Out Stipend validation questions correctly and click Agreea. Once the employee answers the questions correctly, the validation will never appear to the employee
again this year.
6
b. If they answer incorrectly or click on Decline, the employee will get the following message. They will be able to try again if they click the Edit button again.
4. The employee then enrolls in the Health Opt Out Stipend plan.
5. Since there is no deduction associated with the plan, nothing will be listed in deductions on the eBN summary page; however total costs will be reduced by the amount of the stipend.
7
6. The Opt-Out Stipend will appear on the employee’s Confirmation Statement
Once the OE event is finalized, the employee will be enrolled in the Opt-Out Stipend Benefit Plan. You can see this enrollment at Main Menu – Benefits – Enroll in Benefits – Simple Benefits
How OOS looks if enrolled in 2018 and 2019o Employee will NOT get a new enrollment in Simple Benefits (because coverage is continuous)
8
(Added 10-9-18) Exception: If employee initially submits OE election and does NOT re-enroll in OOS, a termination row is added to the Simple Benefits page and a term date is added to OOS Additional Pay. When the employee goes back in to their OE event and enrolls in the OOS, they WILL get a new row on the Simple Benefits page (with a 1-1-19 effective date), but they will NOT get a new row in Additional Pay (the process just removes the term date from the top of stack OOS Additional Pay row).
How OOS looks if enrolling for the 1st timeo Will have OOS enrollment effective 01-01-2019
The OOS Additional Pay entry will also be created. Please note that the Reason = Benefits Administration Credit, there is no end date listed and the check amount is listed.
How the Additional Pay looks if enrolled in 2018 and 2019
o Employee will NOT get a new enrollment in Additional Pay (because coverage is continuous)
9
How the Additional Pay looks if enrolling for the 1st time
o Will have Additional Pay entry effective the 1st day of the 1st pay period payable in 2019
10
How to Access OOS CertificationOnly employees who enroll in the OOS through eBenefits will have a certification stored in STAR. For 2019, the certification is called 19 OPT OUT. If a paper application is received, you should keep the original application in the employee’s file. You do NOT have to send a copy of the application to ETF.
Navigation: Main Menu – Benefits – Employee/Dependent Information – Maintain Certifications
How the OOS certificate will look if enrolled in 2018 and 2019 (and both enrollments through eBN)o Employee receive a new 2019 OOS Certificate and has 2018 certificate (OP OUT STP)
How the OOS certificate will look if enrolling for the 1st time
o Will only have 2019 certificate
Paper Application Entry of OOSIf an employee gives you a paper application, encourage the employee to use eBenefits to enroll. If you need to do entry, make sure you Waive health insurance and scroll to the bottom of the Perform Election Entry page and enroll the employee in the OOS Benefits Plan.
11
OOS Termination if No Election Made on OE EventIf someone is currently receiving the OOS and make NO open enrollment election, enrollment in the OOS plan will terminate when the OE event is finalized. This will also terminate the Additional Pay enrollment.
OOS Validations
The following OOS eligibility validation will be done by Central Benefits:
Confirm employees are not enrolled in both health insurance and OOS
Look for employees who were enrolled in 2018 but not in 2019 (and didn’t enroll in health for 2019)
Will monitor OOS elections effective in the back quarter of 2018 to ensure they are notified of requirement to re-apply for 2019
The list of open enrollment enrollees will be sent to ETF twice (in November and January). ETF will validate that the employee is not a covered dependent under the state health plan and confirm the employee is not on the list of people who are ineligible because they didn’t carry health insurance in 2015 as an active state employee.
12
Will work with ETF to create a schedule to send new OOS enrollments throughout the year for validation
Ongoing OOS ProcessThe agency must NEVER enter the stipend in to Additional Pay. You must enroll the employee in the Opt-Out Stipend benefit program – this is what creates Additional Pay. When the employee terminates, enrollment in the OOS benefit plan will terminate and an end date will be entered in Additional Pay.
BAS Group ID and OE for Employees with Multiple JobsBAS Group IDOnly employees who have an IYC BAS Group ID on their job will have an OE event. All active employees who are NOT in the DEF benefit program will get an IYC code (exception: if in DEF but currently enrolled in ERA plan, will get an IYC code).
The BAS Group ID was added to job on 09-26-2018. A process will run nightly during OE to populate this field and create an OE event for any newly eligible employees (new hires, newly WRS eligible).
Employees with Multiple JobsIf an employee has more than 1 active job, the BAS Group ID is added to the benefits primary job.
Once the IYC code is on a job, agencies must not move the benefit primary flag to a different job If there is no IYC code on the benefits primary job, the OE event will disconnect in the system and the employee
won’t be able to make their OE electionso Create a ticket if the benefits flag needs to be moved
If the primary job is terminated but another job is active, create a ticket so the IYC code and benefits flag can be moved to the active job
From 9-27-18 until late 2018 (date TBD), agency must submit a ticket if the benefits flag needs to be moved
Note: You may see NON or DUP listed in the BAS Group ID Field. These people either have multiple benefit records or several active employment instances. These codes were added to make sure that only 1 OE event prepared for the person.
DEF Benefit ProgramEmployees in the DEF benefit program will NOT automatically have an OE event created for them (exception: if they are currently enrolled in an ERA plan, they will get an IYC code). Most are only eligible for Parking/Transit ERA. If in a non-LTE appointment, they are also eligible for Healthcare and Dependent Day Care FSA. If someone in the DEF benefit program wants to enroll in an ERA plan during Open Enrollment, submit a ticket and Central Benefits will create an OE event for the employee and they will be able to use eBenefits to enroll.
13
Confirmation Statements and Online Benefits FileEvery time an employee submits their OE elections, they will receive a Confirmation Statement. The statement is housed in an Online Benefits File.
Confirmation Statement Creation Process
Below is the text that will be in the confirmation statement email.
Sample of the Confirmation Email text
How an Employee Views Confirmation Statement1. ESS Landing Page – My Benefits Documents (within Wisconsin Benefits section)
2. Goes to Online Benefits File
14
Employee Submits OE Election
OE Event is Finalized around 8pm
Employee Receives Email that Confirmation
Statement Available
Confirmation Statement Loads to B-File
3. Brought to Confirmation Statements – click on viewer next to most recent statementa. 2018 Confirmation Statements will also be visible on this page.
How Agency Can View Individual Confirmation Statement
1. Go to Main Menu – State of Wisconsin (STAR) – Benefits Administration – Process – Benefit Documents – Employee Benefit Documents
2. Enter name or Empl ID3. Click Search
4. Click on View Documents
5. This brings you to the employee’s benefits file. Follow steps 2 & 3 in How an Employee Views Confirmation Statement to access the statement.
How to View/Print Confirmation Statements for Entire Agency or DepartmentWhen this process is run, only the employee’s most recent confirmation statement will be included.
15
1. This process is running a report to generate a PDF of all confirmation statements. Go to Main Menu – State of Wisconsin (STAR) – Benefits Administration – Process – Print Confirmation Statements
2. Enter Schedule ID and 5-digit Business Unit. Department is optional. A wildcard value will not work for Dept ID. Click Run.
3. Don’t change any data values on Process Scheduler Request and click OK.
4. Once the process runs to success, click on Details.
5. Click on View Log/Trace
16
6. Click on the PDF that is created
Sample Confirmation StatementThe confirmation statement is ALL benefit elections as of 1-1-19.
17
Confirmation Statements – What You Need to Know
If enrolled in one of the dental plans not available in 2019, Benefit Plan will say Terminated and Coverage/Annual Election will say Not available in 2019.
If previous coverage was Waive for the dental plans not available in 2019 and the FSA/ERA/HSA plans and the OOS, if no enrollment was made on the OE event (either a Waive or an enrollment), coverage will display as Terminated on the confirmation statement.
If there is no premium for a plan (ex. ICI Category 6), the per pay period amount will be blank
Paper Application EntryAgencies should encourage their employees to use eBenefits. If you do receive a paper application, you will enter it like any other paper application through Perform Election Entry (Main Menu – Manage Automated Enrollment – Participant Enrollment – Perform Election Entry).
Important Reminders:
The Schedule ID = OE2019
IF OE event is not available for entry, submit an SSO ticket- Central Benefits will open the event for you Only plans with open enrollment are available for entry Current election will be prepopulated except for:
18
o Health, VSP and AD&D onlyo All other plans will be blank
Never enter an override on HSA, Healthcare FSA, Dependent Day Care FSA, Parking or Transito Enter a POTT if you need to override the amount for any reason
There is an issue with the Contribution Worksheet for the HSA/FSA/ERA Plans in Perform Election Entry. Disregard the number of pay periods that displays in this section and all calculated amounts. As long as the annual election is correct, the paycheck amount will be correct.
Never delete a dependent Once you enter OE elections, if you need to do additional entry, you must submit a ticket for Central Benefits to
re-open the OE event.o The employee can still make eBN elections after paper entry is done.
New Hires and OEOctober HiresAll events must be processed in date order. Encourage employees to make HIR eBN enrollments ASAP in October.
If the employee has no prior WRSo Complete the SHR event entry as soon as the HIR event is finalized (eligible for ER contribution towards
health on 1-1-19) Schedule to create post 11/15 SHR events – TBD
o Once HIR and SHR event complete, submit ticket to have OE event re-processed to pick up all elections made on HIR and SHR events
If the employee has prior WRS (health effective 11-1-18)o Once HIR event finalized, submit ticket to have OE event reprocessed to pick up HIR event elections
WRS- Covered LTEs in First 6 monthso If WRS-covered LTE in first 6 months as of 1-1-19, the OE event opens Plan Types 1U and 1V in the OE
event and the employee will not be given an opportunity to make an election in health.
19
Reminder – if the employee enrolls in FSA or HSA on HIR event, will need to enroll for 2019 coverage on the OE event
o The employee should complete a paper application (ERA application/HSA application) if unable to make elections before OE period is over
Agency will need to enter on OE event All tickets should have subject line = OE2019 – Reprocess OE event for new hire + empl ID + EE Name
December Hireso For employees hired 12/2 – 12/31, the 2018 FSA and HSA limits connect to their enrollments even
though coverage is effective 1-1-19o Solution:
o HSA – can change at any time so if employee wants to maximize, can create an HSA event to increase annual election (event date = 1-1-19 or later)
o Healthcare FSA (or LPFSA) – if the employee wants the extra $50, create a ticket and Central Benefits will adjust
o All others – no limit change so no issue
Life Events and OEDuring Open EnrollmentIf the employee has a life event where a dependent is added or removed AFTER the OE event is created, you should:
Enter the life event on the BAS Activity Table Submit a ticket to Central Benefits the same day (Ticket Name = OE2019 – Reprocess OE due to Life Event+Empl
ID+EE Name)o Central Benefit will open the life event, agency will do entry, Central Benefits will finalize the life event
and reprocess OE event
The new or removed dependents will not be reflected on the OE event until Central Benefits reprocesses the event.
After Open EnrollmentCentral Benefits monitors for OE events that are out-of-sequence due to a life event. Central Benefits will make sure the dependent change is reflected on the employee’s OE elections. It is not necessary to create a ticket but the agency should feel free to create a ticket for tracking purposes.
Central Benefits MonitoringCentral Benefits will be doing the following monitoring/auditing during and after OE:
During and after the OE period, Central Benefits will be monitoring for the following and reaching out to agencies as needed:
o Enrolled in HDHP but has other coverage or are 65 years old or older
OOS + enrollment in health insurance
Marital status and missing dependent information
Employee MessagingSystem- Generated emails will be sent to specific groups of employees based on a specific query
Will be used mainly as follow-up and reminder notifications Enrolled in 2018 dental plan but haven’t enrolled in Delta Dental PPO for 2019 Enrolled in HDHP but need to enroll in HSA Enrolled in OOS and need to re-enroll in 2019 OE election in Notified status OE election in Prepared status Last week of OE
When to Create a TicketYou should create a ticket in the following situations:
The employee adds/removes a dependent due to a life event AFTER the OE event is createdo Central Benefits will reprocess the OE event to pick up the dependent changes
The employee has a benefits eligibility change that changes the employees benefit program (goes under the WRS, moves from general to protective…)
o Central Benefits will reprocess the OE event to pick up the new benefit program You need to make a paper OE election and the event is not open to you You need to have an OE event created for someone in the DEF benefit program
OE Timeline 9/26
o Agencies send template email about Employee Messaging o IYC BAS Group ID added to all active employees who are NOT in the DEF benefit program
Exception: If in DEF but currently enrolled in ERA plan, will get IYC code 9/27
o 1st Employee Message about Employee messaging sento Load AD&D ABBR for all benefit-eligible employees
9/28o Deadline for 9/16-11/15 SHR event entry
Only do entry if HIR finalizedo Finalize as many open events as possible (TER, RET, TRA, LOA, RFL…)o All final agency resources available
21
o All users, except core central staff, will be locked out of HCM starting at 5pm until notified (earliest unlock will be 9/29 at 6pm)
o Add IYC code to any newly active employees (since Wednesday)o Run process to create ~ 32,000 OE events
9/29- 9/30o Central Benefits and HCM benefits review to ensure OE events prepared correctlyo Review for OE events that did not prepareo Run all baseline audits and queries
10/1 - OE opens in eBN at midnight 10/8 - Run PP21 WRS Lookback Report + do all associated processing 10/15 – OE Touchpoint Webinar from 2 – 3pm (registration link:
https://attendee.gotowebinar.com/register/2836542481310724610 ) 10/22 -Run PP22 WRS Lookback Report + do all associated processing 10/26 – eBN closes at 11:59pm 11/2 – Last day for Agencies to enter paper applications on OE event 11/8 – OE health file sent to ETF 11/15– 2nd OE health file sent to ETF (updates since 11/8 file) 11/16 – Last day to submit OE health file to ETF (updates since 11/15 file) 11/19 – Last day to submit OE elections to TASC 11/28--OE File sent to Delta Dental 11/30 – List of OOS enrollees sent to ETF for validation 12/19 - 1st of 2019 Pay Period 1 12/19 - OE file to VSP 12/28- Last business day to receive and accept late Delta Dental PPO enrollments 1/3 - first check payable in 2019 & 1st premiums for 2019 taken 1/5 – Central Benefits will do a health compare
o Compare 1-1-19 health elections in STAR to 1-1-19 elections in ETF’s system Early January- Re-send list of OOS enrollees sent to ETF for validation (final validation) 1/10 – PP2 Confirm – last time any deductions can be taken for Anthem Dental, Benefits+, Dental Wisconsin Mid- January: OE AD&D elections sent to Zurich (sent on regular bi-weekly file generated after payroll confirms 1/18- deadline to deposit and record all paper checks received for Anthem Dental, Benefits+, Dental Wisconsin
