Life University - Benefits Overview...2016/10/10 · CancerSelect Plus includes: Individual Single...

Life University - Benefits Overview

PLAN YEAR | December 2016 – November 20171

Our employees are ourmost valuable asset.

Healthgram/Cigna - Medical Insurance• PPO Option –$25/$50 $2500 80%/60%• PPO Option –$25/$50 $3000 80%/60%• QHDHP –(HSA Option) –$3500 100%/70%

Transamerica – special Voluntary Insurance• AccidentAdvance• Critical Illness• CancerSelect Plus

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That’s why at Life University we are committed to a comprehensive employee benefit program that helps ouremployees stay healthy, feel secure, and maintain a work/life balance.

Lincoln Financial Group –• PPO Dental• Vision• Life and AD&D• Short Term Disability• Long Term Disability• Voluntary Life and AD&D

Assurant –• DHMO Dental

UNUM –• Long Term Care

Legal Shield –• Legal Services

Healthgram –• Healthconnect

Medical Insurance

www.healthgram.com www.hcpdirectory.cigna.com/web/public/providers

Who is Eligible and When:

All Full Time Active Employees are eligible for medical insurance. Your coverage begins following completion of yourwaiting period, or during the next open enrollment in October.

Benefits You Receive:

Life University medical plans are through Healthgram and they utilize the Cigna PPO, Choice Fund PPO network. Theyare comprehensive medical plans that meet all the mandates under the Patient Accountability and Affordable Care Act.

Medical Maximum age of dependent is 26.

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Medical Insurance – Plan 1 (PPO)

Plan Feature – PPO In-Network Out-of-Network

Deductible

Coinsurance*Out-of-Pocket (includes deductible)

$2,500 Single$7,500 Family

20%$6,350 Single

$12,700 Family


40%$9,500 Single$19,000 Family

Office Visit Co-pay:Primary CareSpecialist

$25 Copay$50 Copay

40% After Deductible40% After Deductible

Emergency Services $200 Copay, waived if admitted

Inpatient Care*Outpatient Care*

20% after Deductible20% after Deductible 40% After Deductible

Prescription Drug Coverage (30day)Generic or Tier 1Formulary Brand Drugs or Tier 2Non-Formulary Brand Drugs orTier 3Specialty Drugs or Tier 4Mail Order (90 day)

$15 Copay$30 Copay$60 Copay

10% up to $250 max Copay2.5 x Copay

Not Covered

Benefits You Receive:Life University medical plans are through Healthgram and are comprehensive medical plans that meet all the mandates under the PatientAccountability and Affordable Care Act.

Employee Pays Per Paycheck:Employee Only: $118.97 Non-Tobacco / $193.97 TobaccoFamily: $359.68 Non-Tobacco / $434.68 Tobacco www.healthgram.com

4*In-Network - you are responsible for paying the 20% coinsurance; Out of Network – you are responsible forpaying the 40% coinsurance after you meet your deductible. (see plan certificate for more details)

Medical Insurance – Plan 2 (PPO)

Plan Feature – PPO In-Network Out-of-Network

Deductible



20%$6,350 Single

$12,700 Family


40%$9,500 Single$19,000 Family


$25 Copay$50 Copay


Emergency Services $200 Copay, waived if admitted

Inpatient Care* / Outpatient Care* 20% After Deductible 40% After Deductible

Prescription Drug Coverage (30 day)Generic or Tier 1Formulary Brand Drugs or Tier 2Non-Formulary Brand Drugs or Tier 3Specialty Drugs or Tier 4Mail Order (90 day)

$15 Copay$30 Copay$60 Copay

10% up to $250 Copay2.5 x Copay

Not Covered

Benefits You Receive:Life University medical plans are through Healthgram and are comprehensive medical plans that meet all the mandates under thePatient Accountability and Affordable Care Act.

Employee Pays Per Paycheck:Employee Only: $126.29 Non-Tobacco / $201.29 TobaccoFamily: $380.15 Non-Tobacco / $455.15 Tobacco www.healthgram.com

5*In-Network - you are responsible for paying the 20% coinsurance; Out of Network – you are responsible forpaying the 40% coinsurance after you meet your deductible. (see plan certificate for more details)

Medical Insurance – Plan 3 (QHDHP HSA)

Plan Feature – QHDHP (HSA) In-Network Out-of-Network

Deductible



0%$6,350 Single

$12,700 Family

$ 7,000 Single$14,000 Family

30%$14,000 Single$28,000 Family




Emergency Services 0% After Deductible

Inpatient CareOutpatient Care 0% After Deductible 30% After Deductible

Prescription Drug Coverage(30-day supply)GenericFormulary Brand DrugsNon-Formulary Brand DrugsMail Order (90 Day Supply)

$10 Copay after Deductible$30 Copay after Deductible$60 Copay after Deductible

1 x Copay

Not Covered

Benefits You Receive:Life University medical plans are through Healthgram and are comprehensive medical plans that meet all the mandates under thePatient Accountability and Affordable Care Act.

Employee Pays Per Paycheck:Employee Only: $73.45 Non-Tobacco / $148.45 TobaccoFamily: $215.15 Non-Tobacco / $290.15 Tobacco

www.healthgram.com

6*Out of Network - you are responsible for paying the 30% coinsurance, after you meet your deductible.(see plan certificate for more details)

Health Savings Account

YOUR ADDITIONAL TAX SAVINGS OVER ALTERNATE PLANS:

For Singles For Employees with Dependents2017 Potential 2017 Potential

Annual Federal Federal Annual Federal FederalH.S.A. Tax Tax H.S.A. Tax Tax

Contribution Bracket Savings Contribution Bracket Savings

$3,400

35% $1,190.00

$6,750

35% $2,362.5033% $1,122.00 33% $2,227.50

x 28% = $952.00 x 28% = $1,890.0025% $850.00 25% $1,687.5015% $510.00 15% $1,012.50

Life University Employer Contribution: $250/Single; $500/Family – this amount will be pro-rated based on yourbenefits start date for all new hires. Additional employee contributions are made on a pre-tax basis.

IRS Total Maximum contributions:• Employee Maximum Contribution for 2017 is $3400* (2016 is $3350)• Family Maximum Contribution for 2017 is $6750* (2016 is $6650)• $1,000 catch-up provision for those age 55 and older by 12.31.2016

Amounts that remain at the end of the year can be carried over to the next year.

*This maximum contribution total will be lowered based on the contribution by Life University. You cannot go over the IRS maximum contribution limit for a plan year.The HSA administration is handled by Mellon Bank. You will not be able to use your own bank for your HSA account.

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Healthgram- Healthconnect

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Healthgram- Healthconnect

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Accident Advance, Critical Illness andCancerSelect Plus

With the higher deductibles that are now commonplace for most health plans, an unexpected accident can cause a seriousfinancial burden for even the most well prepared individual or family.

The AccidentAdvance Plan: Reduces or eliminates the financial risk if you or a family member suffers a broken or dislocatedbone.

The money does not replace your health insurance – your health insurance will continue to pay the claims incurred. But themoney can be used to pay your portion of your health coverage such as your deductible or office visit copays. Or, you canuse it to buy that flat screen T.V. to watch while you’re recovering! It’s paid to you, to use as you see fit.

The best part! This plan can be FREE if you get a routine wellness exam or blood test. Transamerica will pay YOUand your SPOUSE $150 each upon receiving proof of a completed wellness exam or test. This can cover most of, orexceed, the cost of the plan premiums! Child physicals are not reimbursed.

Individual Single Parent Family Two-Adult Family Family$6.25 $7.26 $9.66 $10.68

Individual only annual premium = $150.00* Annual Wellness Benefit = $150.00

Annual Cost FREE

Two Parent Family annual premium = $231.84*Annual Wellness Benefit = $300.00

Profit $68.16

Single Parent Family annual premium = $174.24*Annual Wellness Benefit = $150.00

Annual Cost $24.24

Family annual premium = $256.32*Annual Wellness Benefit = $300.00

Profit $43.68

Semi-Monthly Premiums

10*See the plan brochure for additional details


Semi-Monthly PremiumsINDIVIDUAL

Coverage $10,000 $15,000 $20,000

Issu

e A

ges 18-34 3.50 5.25 7.00

35-44 7.00 10.50 14.0045-54 12.65 18.98 25.3055-59 17.25 25.88 34.5060-63 21.50 32.25 43.00

INDIVIDUAL AND CHILD(REN)Coverage $10,000 $15,000 $20,000

Issu

e A

ges 18-34 3.85 5.78 7.70

35-44 7.70 11.55 15.4045-54 13.90 20.85 27.8055-59 19.00 28.50 38.0060-63 23.65 35.48 47.30

INDIVIDUAL AND SPOUSE PLUS CHILDRENCoverage $10,000 $15,000 $20,000

Issu

e A

ges 18-34 6.75 10.13 13.50

35-44 13.50 20.25 27.0045-54 24.35 36.58 48.7055-59 33.25 49.88 66.5060-63 41.40 62.10 82.80

The Critical Illness plan can completely eliminates the financial riskof someone getting one of the serious illnesses covered by thisplan. This plan will pay $10,000, $15,000 or $20,000 directly toYOU for a covered illness which you could then use to pay yourdeductible and other out of pocket expenses.

Covered illnesses are: Cancer of any kind, Heart Attack, Stroke,End-stage Renal Failure, Major Organ Transplant Surgery,Carcinoma in Situ* or Skin Cancer*. *limited to 5% of the eligiblebenefit amount

Last opportunity to enroll with NO HEALTH INFORMATIONREQUIRED. Late Entrants will be required to complete Evidence ofInsurability and may be declined coverage due to existing healthconditions.

This plan also has a wellness exam benefit of $50 each forYOU and your SPOUSE to help off-set the plan premiums.Child physicals are not reimbursed.

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* See brochure for additional details


CancerSelect Plus is designed to provide you and eligible family members with benefits for costs associated with cancertreatment. Coverage is 100% portable. Benefits are paid directly to you – or anyone you choose – in addition to anyother insurance.2

Hospital Benefits Cancer Maintenance Therapy Wellness and Misc. Benefits Surgery Benefits Radiation/Chemotherapy Benefits

Understanding CancerSelect Plus:

CancerSelect Plus includes:

Individual Single Parent Family Family$6.98 $8.46 $13.40

Semi-Monthly Premiums

This plan also has a cancer screening benefit of $150 each for YOU and your SPOUSE to help off-set the planpremiums – see the illustration below.

Individual Only annual premium = $167.44*Annual Wellness Benefit =$150.00

Net Annual Cost $ 17.44

Single Parent Family annual premium = $202.80*Annual Wellness Benefit = $150.00


Family annual premium = $321.36*Annual Wellness Benefit = $300.00


12*See the plan brochure for additional details

Last opportunity to enroll with NO HEALTH INFORMATION REQUIRED. Late Entrants will berequired to complete Evidence of Insurability and may be declined coverage due to existinghealth conditions.

Accident Advance, CancerSelect Plusand Critical Illness Combined Savings

Issue Age: 18-34 AccidentCritical Illness$10K Benefit CancerSelect Plus *Annual Wellness **Semi-Monthly out of

Premium Premium Premium Benefit Combined pocket expense

Individual $6.25 $3.50 $6.98 $350.00 $2.14Individual/Child(ren) $7.26 $3.85 $8.46 $350.00 $4.99Individual/Spouse $9.66 $6.75 $13.40 $700.00 $0.64Family $10.68 $6.75 $13.40 $700.00 $1.66




Issue Age: 45-54 AccidentCritical Illness$10K Benefit CancerSelect Plus *Annual Wellness **Semi-Monthy out of






Issue Age: 60 - 63 AccidentCritical Illness$10K Benefit CancerSelect Plus *Annual Wellness **Semi-Monthly out of



How much does theAccident, CancerSelectand Critical Illness plansactually cost if I get myphysical and/or CancerScreening? The lastcolumn on the rightshows your “net” costafter you received yourwellness benefit from allplans.

•You must have an annual physicaland/or cancer screening during theplan year to obtain this benefit.

** This is your net cost afterpayment of premiums and receiptof wellness benefits, shown on aper paycheck basis for illustrativepurposes only. Premiums arededucted each pay period and thewellness benefit reimbursement isreceived as a lump sum payment.

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Dental Insurance- DMOPrepaid Dental Care

Who is Eligible and When:All Full Time Active Employees are eligible for dental insurance. Your coverage begins following completion of your waiting period, orduring the next open enrollment in October.

Benefits You Receive:Life University’s dental plan is through Assurant and underwritten by Union Security DentalCare of Georgia. The employee isresponsible for a small portion of the premium cost.

Employee Pays Per Paycheck:Employee Only: $1.71Employee + 1: $5.02Family: $9.68

www.assurant.go2dental.com

Plan Feature IN NETWORK ONLY

Deductible No Deductible

Preventive / Basic / Major Services Copays Apply (See detailed plan summary)

Orthodontic Services 25% Discount on fees

Plan Year Annual Maximum Unlimited

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This plan is a LOW priced dental option for people who do not have a specific provider/dentist.

Dental Insurance- PPO

Type of Service

Network- Lincoln Dental Connect*

MAC PLAN**

Network- Lincoln Dental Connect*

90% U&C Plan

Preventive Services 0% 0%

Basic Services 0% After Deductible 20% After Deductible

Major Services 40% After Deductible 50% After Deductible

Deductible $50 Individual / $150 Family $50 Individual / $150 Family

Orthodontics (Children) 50% 50%

Benefit Period Maximum $1,500 $1,500

Maximum Rollover Benefit $350 with a threshold of $1250

Employee Pays Per Paycheck:Employee Only: $22.33Employee + 1: $42.02Family: $73.91 www.lincolnfinancial.com

Who is Eligible and When:All Full Time Active Employees are eligible for dental insurance. Your coverage begins following completion of your waitingperiod, or during the next open enrollment in October.Benefits You Receive:Life University’s dental plan is through Lincoln Financial Group. The employee will be responsible for paying 100% of thepremium cost.

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You MUST select the MAC or 90% U&C Plan*Lincoln Financials In-Network provider network is the Lincoln Dental Connect Network. Out of Network benefits are also available but mayresult in higher out of pocket expenses for you. (See plan summary for details)** The MAC Plan is the better value & coverage IF your dentist is in the Lincoln Dental Connect Network. Dependent maximum age 26.

Voluntary Vision


All Full Time Active Employees are eligible for vision insurance. Your coverage begins following completion of your waiting period, orduring the next open enrollment in October.


Life University offers employees the opportunity to elect vision coverage which provides benefits for vision exams, lenses and frames,or contacts. The employee will be responsible for paying 100% of the premium cost.

Employee Pays Per Paycheck:Employee Only: $ 3.79Employee/Spouse: $ 7.21Employee/Child(ren): $ 7.58Employee/Spouse/Child(ren): $11.16

www.lvc.lfg.com

Type of Service- SPECTERA VISION NETWORK Amount You Pay – In Network1

Routine Eye Exam (one every 12 months) $10 Copay; then covered in full

Eyeglass frames (every 12 months) $25 Copay up to $130 Retail Allowance

Eyeglass lenses (one pair every 12 months)

Standard plastic Single Vision lenses $25 Copay; then covered in full

Standard plastic Bifocal lenses $25 Copay; then covered in full

Standard plastic Trifocal lenses $25 Copay; then covered in full

Contact Lenses (in lieu of glasses) $25 Copay for medically necessary

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• Out of Network benefits also available but may result in higher out of pocket expenses for you. See plan summary for details.• Dependent maximum age is 26

Life and AD&D Insurance


All Full Time Active Employees are eligible for group life and accidental death and dismemberment (AD&D) insurance. Yourcoverage begins following completion of your waiting period, or during the next open enrollment in October.

Basic Life and AD&D Insurance

Life University provides full-time employees with group life and accidental death and dismemberment (AD&D) insurance, andpays the full cost of this benefit. Contact HR to update your beneficiary information.

Employee Pays:Employee Only: $0

www.lincolnfinancial.com

Plan Feature Plan Benefit

Basic Life and AD&D Insurance Benefit $50,000

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Voluntary Life and AD&D Insurance


All Full Time Active Employees are eligible for Voluntary Life and AD&D insurance. Your coverage begins following completion ofyour waiting period, or during the next open enrollment in October.

Voluntary Life & AD&D Insurance

Life University offers full-time employees with an opportunity to purchase additional life insurance. Employees are responsible forthe full cost of this benefit.

Employee Pays Per Paycheck:Age Bracket $ 50,000 $100,000 $200,00030-34 $1.75 $3.50 $7.0040-44 $4.00 $8.00 $16.0050-54 $10.25 $20.50 $41.00Child(ren) cost for $10,000 is $0.80


Plan Feature Voluntary Life Coverage

Benefit5 x salary or up to $300,000, in $10,000 increments for employees

Up to 50% of employee selection for SpouseUp to $10,000 for children

Guaranteed Issue Employee – up to $200,000Spouse – up to $50,000

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*These are sample rates at several age brackets & income levels. All ages and incomes are available on the enrollment system. Age reductionsrules apply. You will have to answer medical questions if you didn’t enroll last year, or when you were originally eligible as a new hire.

Life Cost Illustration

This is an estimate of premium cost. Actual deductions may vary slightly.

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TransElite Universal Life with LongTerm Care Insurance

In order to enroll for this product you must complete the paper enrollment form and return it to HR. This enrollment isnot included in the online benefit portal.

Long Term Care Plan

• Benefits are through UNUM.

• Life University pays $25 towards the cost of monthly coverage.

• Spouses, parents, grandparents, siblings, and children over 18 are also eligible.

• Plan covers facility, home care, and community care options with a three year, six year, orunlimited benefit duration. $2,000 to $8,000 monthly benefits are available in $1,000increments. Inflation protection is also available.

• 60 day wait period with inability to perform at least two activities of daily living.

• Your rate is locked in once the policy is purchased.

• Additional information can be found at https://w3.unum.com/enroll/LifeUniversity/index.aspx

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Late Entrants will be required to complete Evidence of Insurability and may bedeclined coverage due to existing health conditions.

Long Term Care Plan

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Short Term Disability Insurance


All Full Time Active Employees are eligible for short term disability benefits. New Hire coverage begins after completion of your 12month waiting period.


Life University provides short term disability at no cost to regular full time employees. Short-term disabilitybenefits run concurrently with FMLA, LOA, etc. and are available after two weeks of a disability event. Lifewill pay up to 100% of an employee's wages up to 13 weeks including the use of personal, vacation andbanked leave balances. This benefit falls under the same provisions as FMLA and requires proper certificationby Lincoln Financial Group.

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Long Term Disability Insurance


All Full Time Active Employees are eligible for long-term disability insurance. Your coverage begins following completion of yourwaiting period.


Life University offers full-time employees with long-term disability income benefits at no cost to the employee. In the event youbecome disabled from a non work-related injury or sickness, disability income benefits are provided as a source of income. Yourdisability plans do not cover disabilities due to an occupational sickness or injury.

Employee Pays: $0


Long Term Disability Insurance

Plan Feature Long-Term Disability

Benefits Begin After 90 days

Percentage of Income Replaced 60%

Maximum Benefit $5,000 per month

Maximum Period of Payment Social Security Normal Retirement Age

Pre-existing Condition 3 months look back / 12 months after exclusion

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Flexible Spending Account- eflexgroup/TASC

• The plan is administered by eflexgroup/TASC

• You deposit the amount you elect in the FSA on a pre-tax basis. Moneydeposited in the account can be used to reimburse yourself deductiblesand co-pays in the medical, dental and vision plans. You can also bereimbursed for a list of IRS approved medical related expenses such asover the counter medications (with a physician prescription) and Lasiksurgery. If you are enrolled in the Health Savings Account you can onlybe reimbursed for dental and vision expenses.

• You are able to deposit up to $2,500 per year in the medical spendingaccount and $5,000 per year in the dependent spending account.

You are now able to rollover $500.00 from one plan year to the next if you do notutilize all of your allocation funds. However, you will no longer be able to file claimsafter the end of the plan year.

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Employee Assistance Plan

• EmployeeConnect is offered to you through Lincoln Financial.

Employee Support Services include the following:

• Unlimited telephonic consultation with EAP counselor• State of the art web site featuring over 3,400 helpful articles on topics like

wellness, training courses, a legal and financial center and more!• Referrals to local counselors• Estate Guidance will preparation• Financial Services• Legal Support• Support with day-to-day concerns

www.GuidanceResources.com Call 1-888-628-4824Username = LFGsupport Password = LFGsupport1

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Legal Services – Legal Shield

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Life Events Legal PlanThe LegalShield Standard Family Legal Plan provides members and their family access to the legalservices they need most. Plan benefits include:

Preventive Legal Services; phone consultation, letter writing, contract and document review. Motor Vehicle Legal Defense Services. Trial Defense Legal Services. IRS Audit Services. Preferred Member Discount of 25% off legal services not specifically covered by the membership. Attorney assistance for an emergency with a 24-hour toll-free number for certain matters.

The description is intended as an overview. See http://www.legalshield.com/info/lifeedu for information andexclusions.

Identity Theft ShieldIdentity theft is the fastest growing crime in America today. Would you know what to do if it happened toyou? With the Identity Theft Shield, you’ll have experienced private investigators on your side if it does.Plan Benefits include:

Current credit report with detailed analysis and credit score Continuous credit monitoring and email notification Identity Restoration Services by Kroll licensed investigators.

The description is intended as an overview. See http://www.legalshield.com/info/lifeedu for information andexclusions.

Plan OptionsTo learn more about the plans and who’s covered: http://www.legalshield.com/info/lifeedu

Legal Plan “Stand Alone”: $7.98 per payroll deduction.Legal Plan with Identity Theft Shield: $12.95 per payroll deductionIdentity Theft Shield: $7.48 per payroll deduction

Contact: Nanette S. Freiman●770-393-8290●[email protected]

EMPLOYEE WEB ENROLLMENTPlanSource

PlanSource is an employee self-service portal that will allow you to access all the information related to yourbenefits. You can use any web browser* anywhere in the world to access PlanSource. With PlanSource, you havereal time access to all your benefits-related employment information 24 hours a day.

Before you begin the enrollment process please make sure you have reviewed the benefit Plan Informationprovided online. You will need:

Benefit Election DecisionsAll Dependent Information including date of birth and social security number

Logging OnTo access the site, point your web browser to www.plansource.com and select Login- PLANSOURCE: BENEFITSONLY. Employees who have established a login and password will continue to use that same password.

Your user name will be your Company Email Address.

Next you will enter your password. The first time you log in to the site your password will be your date of birth innumeric format without any slashes, YYYYMMDD.

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MISCELLANEOUS ITEMS

Life Events:Examples of commonly defined Life Status Events may include:• Marriage• Divorce or legal separation• Adoption or birth of a child• Employment Status• Spouse gains or loses employment• Death of a spouse or dependent• Eligible for Medicare• Leave of AbsenceTo make a change in coverage due to a Life Status Event, documentation is required within 30 days of the qualifyingevent. The change is most often effective on the date of the event.

Voluntary Life Insurance and TransAmerica:• EOI (Eligibility of Insurance) and medical history are to be submitted to Human Resources within 30 days,

otherwise additional coverage will be denied and removed from PlanSource.

FYI to Faculty and Staff:Please do not assume that we get the same correspondence that you receive from the carrier. If you receiveinformation you believe to be in error, please contact HR and forward this information immediately.

The information in this Benefits Summary is presented for illustrative purposes and is based on informationprovided by the employer. The text contained in this Summary was taken from various summary plandescriptions and benefit information. While every effort was taken to accurately report your benefits,discrepancies or errors are always possible. In case of discrepancy between the Benefits Summary and theactual plan documents, the actual plan documents will prevail.

All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996.If you have any questions about this summary, contact Human Resources.

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Life University - Benefits Overview...2016/10/10 · CancerSelect Plus includes: Individual Single...

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