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August 25, 2020 Total Rewards New Teacher Orientation Donna Rastocky Benefits Specialist
August 25, 2020
Total Rewards
New Teacher Orientation
Donna RastockyBenefits Specialist
TOTAL REWARDS
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Total Rewards Packet Base Salary
Health & Welfare Benefits:
United Healthcare/Oxford (Anthem10/1/2020), CVS/Caremark, Anthem Blue View Vision, Delta Dental
Retirement Planning Benefits:
OMNI – 403(b)/457 Plan
Pension – Connecticut Teachers Retirement Board – Employee Funded
FSA, Flexible Spending Account, Stirling Benefits
Lincoln Financial Group – Life Insurance
FMLA
COBRA
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Medical Benefits – Connecticut Partnership Plan 2.0Benefit In-Network Out-of-Network
Annual Deductible $350 Individual / $350 per
Member ($1,400 Max)*$300 Individual / $900 Family
Annual Out-of-Pocket Maximum $2,000 Individual / $4,000 Family $2,300 Individual / $4,900 Family
PCP / Specialist Visits $15 Copay** 80% Covered
Preventative Care 100% Covered 80% Covered
Diagnostic Testing 100% Covered 80% Covered
Urgent Care $15 Copay 80% Covered
Emergency Room Care $250 Copay $250 Copay
Inpatient Hospital Stay $0 Copay 80% Covered
Outpatient Surgery $0 Copay 80% Covered
Chiro/Physical/Occupational Therapy 100% Covered 80% Covered
* Waived for Health Enhancement Program (HEP) -Compliant Members
** $0 Copay for Preferred Providers4
Prescription Drug Benefits – Connecticut Partnership Plan 2.0
Tier* Maintenance(31-to-90-day Supply)
Non-Maintenance(up to 30-day supply)
HEP Chronic Conditions
Generic (Preferred/Non-Preferred) **
$5 / $10 $5 / $10 $0
Preferred Brand $25 $25 $5
Non-Preferred Brand $40 $40 $12.50
Annual Out-of-Pocket Max $4,600 Individual / $9,200 Family
* Drug tier placement is determined by Caremark and reviewed each quarter.
** Prescriptions are automatically filled with a generic if available unless the prescribing physician submits a Coverage
Exception Request.
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Health Enhancement Program (HEP)The Health Enhancement Program is a component of the medical plan
that is administered by WellSpark, formerly Care Management Solutions.
You and your enrolled family members must get age-appropriate exams and screenings in order to remain compliant.
A list of all required preventative screenings by age interval can be found on page 6 of the Connecticut Partnership Plan 2.0 fact sheet.
In order to manage your health and HEP requirements, you can visit www.cthep.com.
In the event that you or an enrolled dependent becomes non-compliant, your premiums will be $100 per month higher and the in-network deductible of $350 / individual ($1,400 per family) will apply.
Source: https://www.osc.ct.gov/ctpartner/docs/Partnership2_0_brochure_2018_V1.pdf
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Dental Benefits – Delta Dental of NJ
Deductible per Person: None
Preventative & Diagnostic Care: 100% Covered
Fillings, Extractions, Oral Surgery & Periodontics: 80% Covered
Crowns, Bridgework, & Dentures: 80% Covered
Annual Maximum Benefit Per Person*: $5,000
Orthodontia (Adults & Dependent Children): 100% Covered up to $4,000 Lifetime Max
Implants: 75% Covered up to $4,000 Lifetime Max
*Does not apply to preventive & diagnostic services
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Vision Benefits – Anthem BCBS
Benefit In-Network Out-of-Network
Routine Eye Exam* 100% Covered $100 Allowance
Frames* $110 Allowance + 20% Off Balance $60 Allowance
Single Vision Lenses 100% Covered $120 Allowance
Bifocal Lenses 100% Covered $140 Allowance
Trifocal Lenses 100% Covered $200 Allowance
Lenticular Lenses 100% Covered $280 Allowance
Contact Lenses - Elective** $440 Allowance $440 Allowance
Contact Lenses - Non-Elective** 100% Covered $440 Allowance
* Once per calendar year
** Once per calendar year instead of eyeglass lenses
Transition Lenses and standard polycarbonate lenses are covered at no additional cost for children under age 19.
Factor scratch coating for lenses is covered at no additional cost for all members.
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Insurance Premiums – Rates July 2020 – September 2020
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$499.07
$1,072.31
$1,311.15
$89.83
$193.02$236.01
Employee Employee + 1 Family
Medical/Rx
$34.15
$64.58
$106.07
$6.15$11.62
$19.09
Employee Employee + 1 Family
Dental
Total Cost You Pay
$5.01
$10.28 $10.28
$0.90
$1.85 $1.85
Employee Employee + 1 Family
Vision
Tier of Coverage Employee Employee + 1 Dep. Family
Total Payroll deduction $96.88 $206.49 $256.95
Insurance Premiums – Rates October 2020 – June 2021
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$544.10
$1,166.77
$1,426.21
$96.87
$207.78$253.99
Employee Employee + 1 Family
Medical/Rx
$33.33
$63.05
$103.55
$6.02$11.39
$18.70
Employee Employee + 1 Family
Dental
Total Cost You Pay
$4.46
$9.16 $9.16
$0.82
$1.68 $1.68
Employee Employee + 1 Family
Vision
Tier of Coverage Employee Employee + 1 Dep. Family
Total Payroll deduction $103.71 $220.85 $274.37
NFT -Life Insurance – Lincoln
Term Life Insurance:Benefit: $150,000 in cash paid to your designee in the event of your passing.
Includes LifeKeys® Services: Access to counseling, financial support, and legal support.
Includes TravelConnectSM services: Access to emergency medical assistance when you are 100+ miles from home
Supplemental Life Insurance: Benefit: Optional additional life insurance that you can purchase at group
rates up to $250,000 in increments of $25,000. See Life insurance Benefit Summary for rates per $25,000 of coverage.
Maximum Coverage Amount: $250,000, guaranteed for new hires with no proof of insurability required.
Minimum Coverage Amount: $25,00011
Anthem EAPThe Resources to Make a Difference
• 24/7 access via the toll-free number
• Available to employees and everyone
who resides in the house
• 3 counseling visits at no charge – either
face to face or with video chat
• Legal consultation-30 minutes no cost
• Financial consultation - unlimited
• Identity monitoring and recovery
• Child and elder care – search for
resources on the EAP website
• Tobacco Cessation resources on the
website
• EAP website – webinars, Depression
Center, News for You, etc.
• Discount center – save on laptops,
flowers, and even local restaurants
800-647-9151
www.anthemeap.com - log in: Norwalk BOE
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403(b)/457 RETIREMENT PLANS
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FMLA What is FMLA and how does it work?
The Family and Medical Leave Act (FMLA) guarantees Norwalk Public School employees up to 12 workweeks of unpaid leave each year with no threat of job loss. It also requires that employers covered by the law maintain the health benefits for eligible workers just as if they were working. At the employee premium cost share.
COBRA The Consolidated Omnibus Budget
Reconciliation Act (COBRA) is a health insurance program that allows an eligible employee and his or her dependents the continued benefits of health insurance coverage in the case that employee loses his or her job or experiences a reduction of work hours
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Healthcare Benefits – Total Rewards PacketNorwalk Public Schools Website
The Healthcare Benefits and Total Rewards packet is found on the NPS Website: www.Norwalkps.org
CLICK ON:• “Quick Links For Staff” (1/3 down the page)• “Forms for Current Employees” (bottom left of page)• “NFT Benefits”
Three forms marked “Complete & Return” need to be completed and returned to me, @ [email protected]• Lincoln Beneficiary Designation • Tax Shelter Annuity Notification • FSA, Flexible Spending Account
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ESS ENROLLMENT PROCESS
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To access Employee, Self Service, ESS, go to the NPS main web page and click on “FOR STAFF”. Next, click on Employee Self Service, or you can go directly to, https://norwalkct.munisselfservice.com/. Once you’re on the ESS main page “Norwalk, CT Self Service”, you will see Log-In in the upper right-hand corner, click on the Log-In to create your account. For ESS Account issues, contact payroll, 203-854-4060.
To Create your Account you will need a Username/ID and a temporary password:Username/UserID: last name, first initial (never changes)
Password: Temporary Password: Summer123456 - you will be required to change to a permanent, personal password, when you first log-in.
Once your password has been created, click on “Employee Self Service”, this will take you to the home page. To enroll in benefits, click on Benefits in the left margin of the home page. This will bring you to the Benefits page where you will see the below three coverages. Click on “make selection” for each coverage in which you wish to enroll. You can choose any combination of the following three coverages:
Medical & Prescription Coverage – choose United Healthcare Vision Coverage – choose Anthem Blue View Vision Dental Coverage – choose Delta Dental of New Jersey
If you are adding a spouse and/or dependents, you will need to supply a “Marriage Certificate” for spouse, Birth Certificates for each of your children/dependents and a copy of the Social Security card. Once your enrollment choices are complete, click on “submit choices” on the main page to finalize your selection(s) and you will receive a confirmation page. You may print this out for your records. Copies of supporting documentation, i.e., Marriage Certificates/Birth Certificates should be sent to my attention via U.S. Mail, interoffice mail, or scanned and emailed to [email protected]. Enrollments cannot be processed without these documents.
IF YOU DO NOT WISH MEDICAL/VISION/DENTAL, YOU MUST DECLINE EACH INDIVIDUAL COVERAGE
NFT – TEACHERS
• Professional Development Days
• Sick days – 15; accrue up to a maximum of 186
• Personal days – 2 per year; must use one per year; accrue up to 5 days
• Connecticut Teachers Retirement Board; Employee Contribution – Pension – 7 percent; Retirement Benefits - 1.25 percent
• Holidays – Labor Day, Rosh Hashanah; Yom Kippur; Thanksgiving Recess – Thursday & Friday; Holiday Break; Dr. Martin Luther King, Jr Day; Presidents Day Recess – 3 days; Spring Break; Memorial Day
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