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A quick resource for PPCP employees to access their employee benefit coverage, review contributions and find provider contact information.
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Welcome to your 2011 Employee Benefits Guide
We are committed to providing employees with a benefits program that is both
comprehensive and competitive. Our program offers a range of plan options to
meet the needs of our diverse workforce. We know that your benefits are important
to you and your family. This program is designed to assist you in providing for the
health, well–being and financial security of you and covered dependents. Helping you
understand the benefits PPCP offers is important to us. That is why we have created
this Employee Benefits Guide.
Benefits Guide Overview
This guide provides a general overview of your benefit choices to help you select
the coverage that is right for you. Be sure to make choices that work to your best
advantage. Of course with choice, comes responsibility and planning. Please take time
to read about and understand the benefit, plan thoughtfully, and enroll on time.
Included in this guide are summary explanations of the benefits and costs as well as
contact information for each provider.
It is important to remember that only those benefit programs for which you are
eligible and have enrolled in apply to you. We encourage you to review each section
and to discuss your benefits with your family members. Be sure to pay close attention
to applicable co-payments and deductibles, how to file claims, preauthorization
requirements, networks and services that may be limited or not covered (exclusions).
This guide is not an employee/employer contract. It is not intended to cover all
provisions of all plans but rather is a quick reference to help answer most of your
questions. Please see your Summary Plan Description for complete details. We hope
this guide will give you a clear explanation of your benefits and help you be better
prepared for the enrollment process.
Contents
At Your Service .......................................................................................................................................................... 3
Your Contributions ...................................................................................................................................................4
Eligibility Details ....................................................................................................................................................... 5
Medical Insurance .....................................................................................................................................................6
HSA .................................................................................................................................................................................. 8
Health & Wellness .....................................................................................................................................................9
Dental Insurance ...................................................................................................................................................... 10
Basic Life Insurance ................................................................................................................................................12
Optional Term Life Insurance.............................................................................................................................13
Voluntary Long term Disability .........................................................................................................................14
Voluntary Short term Disability ...................................................................................................................... 15
Allstate Workplace Benefits ...............................................................................................................................16
401(k) Plan ..................................................................................................................................................................17
Pre-Paid Legal Services ...................................................................................................................................... 18
Identity Theft Protection .................................................................................................................................... 19
Employee Assistance Program (EAP) .......................................................................................................... 21
Medicare Notice ....................................................................................................................................................... 21
Chip Notice ...............................................................................................................................................................22
Benefit Contacts ......................................................................................................................................................23welco
me
2 Employee Benefits Guide
Employee Call Center
PPCP employees have access to a dedicated employee benefit hotline to answer questions about enrollment, coverage, claims and all other concerns regarding their employee benefit package. Our call center is staffed with trained professionals who understand your benefits plan and are dedicated to providing solutions to your problems. Its easy and its free, just call or email:
1-877-335-3067 (toll-free) Monday - Friday 9am - 5pm EST email: customerservice@bwbenefits.com
At Your Service...
Employee Service Hotline: 1-877-335-3067 3
4 Employee Benefits Guide
Medical Plan - PPODeduction
per pay period*
Employee Only $80.00
Employee + Spouse $375.50
Employee + Children $297.00
Employee + Family $474.00
Medical Plan - hdhPDeduction
per pay period*
Employee Only $47.50
Employee + Spouse $294.00
Employee + Children $228.00
Employee + Family $376.00
Your ContributionsMe
dical
dental PlanDeduction
per pay period*
Employee Only $16.50
Employee + Family $43.00
Dental
*Deductions based on 24 pay periods
Employee Service Hotline: 1-877-335-3067 5
Are you eligible for benefits?
To determine the benefits for which you may be eligible, please refer to the chart below. You are eligible to participate
in these plans upon meeting each plan’s eligibility requirements. You also have the option to enroll your eligible
dependents in some of these plans. Eligible dependents may include:
• Your spouse
• Your children to age 26*
*Certain limitations apply. Please call the Employee Service Hotline for additional information, 1-877-335-3067
Eligibility Details
Benefit Plan Eligibility New Hire Waiting Period
Medical/Prescription Full time Employee First of the month following 90 days
Dental Full time Employee First of the month following 90 days
Basic Life Full time Employee First of the month following 90 days
Optional Life Full time Employee First of the month following 90 days
Voluntary LTD Full time Employee First of the month following 90 days
Voluntary STD Full time Employee First of the month following 90 days
401 (k) Full time Employee First of the month following 90 days
Medical Plan - PPODeduction
per pay period*
Employee Only $80.00
Employee + Spouse $375.50
Employee + Children $297.00
Employee + Family $474.00
Medical Plan - hdhPDeduction
per pay period*
Employee Only $47.50
Employee + Spouse $294.00
Employee + Children $228.00
Employee + Family $376.00
BenefitsIn-Network
MEMBER PAYSOut-of-Network MEMBER PAYS
Annual Deductible - Per Member / Per Family $750 / $2,250 $1,500 / $4,500
Coinsurance - Plan Pays / Member Pays(After the deductible, all covered expenses are paid as follows)
80% / 20% 60% / 40%
Maximum Coinsurance - Per Member / Per Family (Once these limits are met, all remaining covered expenses are paid at 100%)
$3,000 / $6,000 $6,000 / $12,000
Primary Care Office Services Hospital Services
$20 copay per visit$0
Deductible, then 40%Deductible, then 40%
Specialty Care Office Services Hospital Services (includes inpatient, outpatient & ambulatory care services)Emergency Room care
$40 copay per visitDeductible, then 20% Deductible, then 20%
Deductible, then 40%Deductible, then 40% Deductible, then 20%
Other Routine Care GYN exam Routine Screening Mammogram Routine Screening Colonoscopy
$20 copay per visit$0 $0
Deductible, then 40%Deductible, then 40% Deductible, then 40%
Maternity Care Routine Maternity Physician Services Deductible, then 20% Deductible, then 40%
Inpatient Hospital/Facility Services (Authorization required) Admission (including maternity) Skilled Nursing and Long-term Acute Care Facility
Deductible, then 20% Deductible, then 20%
Deductible, then 40% Deductible, then 40%
Outpatient/Ambulatory Care Facilities All services (including maternity) Emergency room services Urgent care
Deductible, then 20% $150 per visit, then 20%
$20 copay per visit
Deductible, then 40%$150 per visit, then 20% Deductible, then 40%
Other Services Occupational Therapy – 20 visits per Benefit Period Physical Therapy – 20 visits per Benefit Period Speech Therapy – 20 visits per Benefit Period Ambulance Home Health Private Duty Nursing - up to 60 days per Benefit Period Hospice Initial Prosthetic Appliances Medical Supplies Chiropractic Services - $1,000 maximum per Benefit Period
Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%Deductible, then 20%
$40 per visit
Not CoveredNot CoveredNot Covered
Deductible, then 40%Deductible, then 40%Deductible, then 40%Deductible, then 40%Deductible, then 40% Deductible, then 40%
Not Covered
Prescription Drugs (No max per Benefit Period. You may have to pay more if you select a brand-name drug instead of a generic drug.)
*Retail - up to 31 day supply Mail - 90 day supply
Generic drug and designated over-the-counter drug $8 copay $16 copay
Preferred brand-name drug $35 copay $70 copay
Non-preferred brand-name drug $55 copay $110 copay
Specialty Pharmaceuticals (In-Network Only) (Specialty Pharmaceuticals are administered as a Medical Benefit)
Specialty Pharmaceuticals are administered as a Medical Benefit $125 per administration, $80 per admin. for select drugs
Annual Maximum $2,000,000
Benefit Period calendar Year
6 Employee Benefits Guide
Medical Plan | PPO Administered by BlueChoice HealthPlan
BenefitsIn-Network
MEMBER PAYSOut-of-Network MEMBER PAYS
Deductible per Benefit Period - Per Member / Per Family $2,750 / $5,500 $3,500 / $7,000
Coinsurance Maximum per Benefit Period Per Member / Per Family Not Applicable $6,500 / $13,000
Physician Care (Routine/preventive care covered) Office services (Preventive Care Only) Office Services (all other) Hospital Services (includes inpatient, outpatient & ambulatory care services)
$15 copay per visitDeductible, then 0% Deductible, then 0%
Deductible, then 40%Deductible, then 40% Deductible, then 40%
Other Routine Services (Not subject to deductible or copayment)Routine Screening Mammogram Routine Screening Colonoscopy
$0 $0
Deductible, then 40% Deductible, then 40%
Maternity Care Routine Maternity Physician Services Deductible, then 0% Deductible, then 40%
Hospital/Facility Services (Authorization required) Inpatient admission (including maternity) Skilled Nursing and Long-term Acute Care Facility
Deductible, then 0% Deductible, then 0%
Deductible, then 40% Deductible, then 40%
Outpatient/Ambulatory Care Facilities All services (including maternity) Emergency room services Urgent care
Deductible, then 0% Deductible, then 0% Deductible, then 0%
Deductible, then 40%Deductible, then 0%
Deductible, then 40%
Other Services
Occupational Therapy – 20 visits per Benefit Period
Physical Therapy –20 visits per Benefit Period
Speech Therapy – 20 visits per Benefit Period
Behavioral Therapy (ABA) for Autism Spectrum Disorder - $50,000 maximum per Benefit Period
Ambulance
Home Health
Hospice
Initial Prosthetic Appliances
Medical Supplies
Private Duty Nursing up to 60 days per Benefit Period
Dental Services due to Accidental Injury
Durable Medical Equipment (DME)
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 0%
Deductible, then 40%
Deductible, then 40%
Deductible, then 40%
Not Covered
Deductible, then 40%
Deductible, then 40%
Deductible, then 40%
Deductible, then 40%
Deductible, then 40%
Deductible, then 40%
Deductible, then 40%
Deductible, then 40%
Prescription Medicine Certain Prescription Medicine may require prior authorization or have dosage limits
Deductible, then 0% Not Covered
Specialty Pharmaceuticals Deductible, then 0% Not Covered
Annual Maximum $2,000,000
Benefit Period calendar Year
Employee Service Hotline: 1-877-335-3067 7
Medical Plan | HDHP Administered by BlueChoice HealthPlan
8 Employee Benefits Guide
HSA Administered by First Federal
Is a First Federal HSA Right For Me?
With its tax advantages, a Health Savings Account from First Federal can be a smart way to take the sting out of health care expenses. But is it right for you? Government regulations determine who is eligible to open a Health Savings Account. To see if you qualify, simply answer the following checklist.
Do all of the above conditions describe your situation? If so, congratulations. You probably qualify to open a Health Savings Account.
As with any tax-advantaged account, it is always a good idea to consult with our tax advisor or legal professional to be sure an HAS
is right for you.
*** Starting 2011, you can no longer use your HSA for over-the-counter drugs.***
How Much May I Contribute?
Maximum
Contribution (2011)
Single Coverage $3050.00
Family Coverage $6150.00
People between the ages of 55 and 64 can contribute an additional $1,000 (in 2011) above the maximum to their HSA.
Service Fees
Account Opening Fee $15.00
Annual fee $35.00 (collected March 15th each Calendar year)
Early Closing fee $25.00 (if closed w/in first 180 days)
Checks (50) First Order Free
For special group plan fees and information, please contact First Federal.
Questions Applies to Me
I am covered by a “high deductible health plan” q
The maximum out-of-picket expenses with my health plan-including co-insurance and deductibles-is no more than $5950.00 (if individual coverage)
or $11900.00 (if family coverage)q
I am not currently enrolled in Medicare q
I am not currently enrolled in any additional health plans q
I am not claimed as a dependent on another person’s tax return q
For more information on First Federal’s Health Savings Accounts, please stop by any branch or visit our website at www.firstfederal.com or contact the customer support center at 888-529-2220.
Employee Service Hotline: 1-877-335-3067 9
Health & Wellness Administered by BlueChoice HealthPlan
Questions Applies to Me
I am covered by a “high deductible health plan” q
The maximum out-of-picket expenses with my health plan-including co-insurance and deductibles-is no more than $5950.00 (if individual coverage)
or $11900.00 (if family coverage)q
I am not currently enrolled in Medicare q
I am not currently enrolled in any additional health plans q
I am not claimed as a dependent on another person’s tax return q
Health Management
Making the lifestyle changes necessary to manage chronic
conditions can be difficult. Studies show that by improving
your self-management skills and by following your doctor’s
plan of care, you can help control your symptoms. Most
importantly, you can delay or even prevent many of the
complications of common health conditions by taking care
of yourself today.
Health Management is designed to help members with
diabetes, heart disease or chronic respiratory conditions live
healthier lives. Family members covered by your health plan
can also participate.
The Program
BlueCross identifies participants from health care information
we receive from medical, pharmacy and laboratory claims.
If you are identified as someone who could benefit from the
program, you are automatically enrolled.
As a participant in the Health Management program, you will
receive personalized information and tools tailored to help
you learn more about your condition and ways to improve
your health.
Participants are also assigned a personal health coach — a
health care professional who will help you learn more about
your condition and ways to manage it. You will receive your
health coach’s contact information in the mail.
Personal Health Assessment
Personal Health Assessment is an online survey that can help
you identify your personal risk factors while guiding you
toward a healthier lifestyle.
It’s Easy to Use!
1. Just go to www.SouthCarolinaBlues.com.
2. Click: My Health Toolkit.
• New member? Click Register and follow the instructions.
You will need your Member ID card.
• Already have a profile? Enter your Username and
Password and click Login.
3. After you’ve logged into My Health Toolkit, click on the
Personal Health Assessment link located on the left.
(Be sure to first select your name from the drop-down menu.)
4. A new window will appear. Click on Take Personal Health
Assessment to begin.
5. Read the Privacy Statement and agree by clicking
Continue.
6. To complete the Personal Health Assessment, answer the
questions on each page and click Continue. After
answering the last series of questions, click on the
Download/View link to view your results.
If you are not able to finish the assessment, click Save and
Exit. When you are ready to return, repeat the instructions
above to begin where you left off.
Once you have completed the survey, you’ll get your
Personal Health Assessment right away. It will include
information on areas that you need to address. You’ll get tips
for lowering risk factors and links to organizations that can
provide further support. You will be able to print your report
or refer back to it online at any time. You also will be given
a wellness score. The score will let you know if you are on
the right track to good health. The wellness score and tips
provided in your report can help you work with your doctor
or other health care professional to develop a strategy that’s
right for you!
Take the First Step
Taking the Personal Health Assessment is voluntary.
We hope you will log on and take advantage of this valuable
tool. Our goal is to help you achieve and maintain a healthier
lifestyle. Personal Health Assessment is your first step.
Personal Health Assessment does not replace the medical
care you receive from your doctor. Always check with your
doctor before following any medical advice.
cOverage tYPeIn-Network PPO Dentist
Out-of-Network Non- PPO Dentist
Calendar Year Deductible: Individual* $0 $50
Calendar Year Deductible: Family limit* 3 per family
Waived for Preventive Preventive
Type A - Preventive Services 100% 100%
Type B - Basic Services 100% 80%
Type C - Major Services 60% 50%
Annual Maximum Benefit: Per Individual $1,500 $1,500
Dependent Age LimitFamily coverage for spouse and children to age 20
(26 if full-time student)
10 Employee Benefits Guide
Dental Plan Administered by Guardian
selected cOvered services and frequencY liMitatiOns
type a - Preventive services
Cleaning (prophylaxis) - Frequency: Once Every 6 Months
Fluoride Treatments - Limits: Under Age 19
Oral Exams
Sealants (per tooth)
X-rays
type B - Basic services
Anesthesia
Fillings (one surface)
Periodontal Maintenance - Frequency: Once Every 3 Months
Repair & Maintenance of Crowns, Bridges & Dentures
Simple Extractions
Surgical Extractions
type c - Major services
Bridges and Dentures
Inlays, Onlays, Veneers**
Perio Surgery
Root Canal
Scaling & Root Planing (per quadrant)
Single Crowns
Employee Service Hotline: 1-877-335-3067 11
Dental Plan Administered by Guardian
This is only a partial list of dental services. Your certificate of benefits will show exactly what is covered and excluded. **Crowns, Inlays, Onlays and Labial Veneers are covered only when needed because of decay or injury and only when the tooth cannot be restored with amalgam or composite filling material.
12 Employee Benefits Guide
Basic Life Insurance Administered by Prudential
Basic Term Life - 100% Employer Paid
• Basic Term Life: You are automatically enrolled for 1 times your
covered annual earnings to $200,000.
• If you are terminally ill, you can get a partial payment of your
group life insurance benefit. You can use this payment as you
see fit. The payment to your beneficiary will be reduced by the
amount you receive with the Accelerated Benefit Option. Refer
to the plan booklet for details.
• Payouts to your beneficiaries are deposited into a Prudential
Alliance Account®, a personalized, interest-bearing account,
under the beneficiary’s name. The payout earns interest from the
date the account is opened and the beneficiary can transfer or
withdraw funds at any time.
• Payment of premium can be waived if you are totally disabled
for 9 months, you are less than 60 years old when the disability
begins, and you continue to be totally disabled. This waiver
terminates at age 65. This provision may vary by state.
• The amount of insurance reduces by 35% at age 65 and 50% at
age 70.
• Coverage will end on your termination of employment or as
specified in the plan booklet. You may convert your insurance
to an individual life insurance policy insured by The Prudential
Insurance Company of America.
Basic Accidental Death & Dismemberment - 100% Employer Paid
• Basic AD&D pays you and your beneficiary a benefit for the
loss of life or other injuries resulting from a covered accident
-- 100% for loss of life and a lesser percentage for other injuries.
Injuries covered may include loss of sight or speech, paralysis,
and dismemberment of hands or feet. Basic AD&D benefits are
paid regardless of other coverages you may have.
• Basic AD&D: You are automatically enrolled for an amount
equal to your Basic Term Life coverage amount.
EmployEr
paid
Employee Service Hotline: 1-877-335-3067 13
Optional Term Life Insurance Administered by Prudential
Employee - Optional Term Life
• Purchase coverage in increments of $25,000 to $500,000,
not to exceed 5.0 times your covered annual earnings.
• New Hires: Get up to $150,000 - no medical questions asked
- when enrolling when first eligible.
• Current Participants: During the open enrollment period, get
up to $150,000 - no medical questions asked. After the open
enrollment period, evidence of insurability satisfactory to The
Prudential Insurance Company of America is required for all
increases in coverage amounts.
• Current Employees who were denied coverage in the past
or Late Entrants: Evidence of insurability satisfactory to The
Prudential Insurance Company of America is required for all
coverage amounts.
• If you are terminally ill, you can get a partial payment of your
group life insurance benefit. You can use this payment as you
see fit. The payment to your beneficiary will be reduced by
the amount you receive with the Accelerated Benefit Option .
Refer to the plan booklet for details.
• Payouts to your beneficiaries are deposited into a Prudential
Alliance Account®, a personalized, interest-bearing account,
under the beneficiary’s name. The payout earns interest
from the date the account is opened and the beneficiary can
transfer or withdraw funds at any time.
• Payment of premium can be waived if you are totally
disabled for 9 months, you are less than 60 years old when
the disability begins, and you continue to be totally disabled.
This waiver terminates at age 65. This provision may vary by
state. Refer to the plan booklet for details.
• During annual enrollment periods, if you have not been
previously denied coverage, you may select to increase
your current coverage amount up to $40,000, up to a total
coverage amount of the plan maximum, without providing
evidence of insurability to Prudential.
• Coverage will be reduced as you age - by 35% at age 65 and
50% at age 70.
• Upon termination of employment, you may continue at a
certain level of your employee coverage, without having to
provide evidence of good health.
Spouse - Optional Dependent Term Life
• Purchase coverage for your spouse in increments of $5,000
to $250,000, not to exceed 50% of your Optional Term Life
coverage amount.
• New Hires: Get up to $25,000- no medical questions asked -
when enrolling when first eligible.
• Current Spouse Participants: During the open enrollment
period, Get up to $25,000- no medical questions asked.
After the open enrollment period, evidence of insurability
satisfactory to The Prudential Insurance Company of America
is required for all increases in coverage amounts.
• Current Employees whose spouse has been denied
coverage in the past or Late Entrants: Evidence of insurability
satisfactory to The Prudential Insurance Company of America
is required for all coverage amounts.
• Coverage will be reduced as you age - by 35% at age 65 and
50% at age 70.
• Upon termination of employment, you may continue at a
certain level of your dependent coverage, without having to
provide evidence of good health.
Child - Optional Dependent Term Life
• Purchase coverage for your children in increments of $2,000
to $10,000, not to exceed 50% of your Optional Term Life
coverage amount. There are no health requirements for this
coverage.
• Coverage begins from 14 days, and continues to age 19, if
unmarried. If unmarried, dependent on you and a full-time
student, coverage continues to age 25.
• Upon termination of employment, you may continue at a
certain level of your dependent coverage, without having to
provide evidence of good health.
14 Employee Benefits Guide
Voluntary Long term Disability Administered by Principal
ELIGIBILITy
Eligible Members All active, full time employees
BENEFITS PAyABLE
Primary Monthly Benefit 60% of your basic monthly earnings up to $6,000.
Maximum Monthly Benefit $6,000
Minimum Monthly Benefit $100
BENEFIT quALIFICATION
Elimination Period 90 days after the onset of your disabling injury or illness
Own Occupation Period 2 years
Maximum Benefit Payment Period To Social Security Normal Retirement Age
Benefit Details
LTD helps protect the financial health of you and your family
should you ever suffer a disability that prevents you from
working for months or even years. We focus on returning
disabled employees to productive work whenever possible.
This highlights the benefits available through your employer.
Benefit Coverage
• Your monthly Long Term Disability benefit will be 60% of
your monthly pre-disability earnings, up to the maximum
of $6,000, less deductible sources of income. No medical
questions asked - if enrolling when first eligible. Deductible
sources of income may include benefits from statutory
plans, Social Security to you and your dependents, workers’
compensation, unemployment income and other income.
• The minimum monthly benefit is the greater of 10% of your
gross monthly benefit or $100.
• If you meet the definition of disability, your benefits will
begin 90 days following an accidental injury or sickness. The
benefit duration is up to your normal retirement age under the
Social Security Act. However, if you become disabled at or
after age 65 benefits are payable according to an age-based
schedule. Refer to the Booklet-Certificate for details.
• You are considered disabled when, because of injury
or sickness, you are unable to perform the material and
substantial duties of your regular occupation, you are under
the regular care of a doctor and your disability results in a
loss of income of at least 20%. After receiving benefits for 24
months, you are considered disabled when, due to the same
sickness or injury, you are unable to perform the material and
substantial duties of any gainful occupation for which you are
reasonably fitted by education, training or experience, and
disability results in a loss of income of a specified percentage
determined by your plan.
• Disabilities due to mental illness are limited to 24 months
of benefits during your lifetime. Examples of mental illness
include schizophrenia, depression, manic depressive or bipolar
illness, anxiety, somatization, substance related disorders
(including drug and alcohol abuse), and/or adjustment
disorders. Disabilities due to mental illness have a combined
limited pay period during your lifetime.
• LTD benefits will not be paid for a disability that begins
during the first 12 months of coverage and due to a pre-
existing condition. A pre-existing condition is an injury
or sickness for which you received medical treatment,
consultation, diagnostic measures, prescribed drugs
or medicines, or for which you followed treatment
recommendations during the 3 months prior to your effective
date of coverage. This provision also applies if you did not
consult a physician when an ordinarily prudent person would
have.
• During the first 12 months of part-time work while disabled,
you can receive full benefits as long as your combined income
and disability benefits do not exceed your monthly pre-
disability earnings.
• If you die while collecting disability benefits, a lump sum
payment may be paid to your eligible survivors.
• You are not covered for a disability caused by war or any
act of war, declared or undeclared, an intentionally self-
inflicted injury, active participation in a riot, and commission
of a crime for which you have been convicted. Benefits are
not payable for any period of incarceration as a result of a
conviction.
Employee Service Hotline: 1-877-335-3067 15
Voluntary Short term Disability Administered by Companion
Short term Disability Reference Rates
age $150 $200 $250 $300 $350 $400 $450 $500 $550 $600 $650 $700
<29 3.98 5.30 6.63 7.95 9.28 10.60 11.93 13.25 14.58 15.90 17.23 18.55
30 - 34 4.05 5.40 6.75 8.10 9.45 10.80 12.15 13.50 14.85 16.20 17.55 18.90
35 - 39 4.05 5.40 6.75 8.10 9.45 10.80 12.15 13.50 14.85 16.20 17.55 18.90
40 - 44 4.05 5.40 6.75 8.10 9.45 10.80 12.15 13.50 14.85 16.20 17.55 18.90
45 - 49 4.28 5.70 7.13 8.55 9.98 11.40 12.83 14.25 15.68 17.10 18.53 19.95
50 - 54 5.10 6.80 8.50 10.20 11.90 13.60 15.30 17.00 18.70 20.40 22.10 23.80
55 - 59 6.00 8.00 10.00 12.00 14.00 16.00 18.00 20.00 22.00 24.00 26.00 28.00
60 - 64 7.05 9.40 11.75 14.10 16.45 18.80 21.15 23.50 25.85 28.20 30.55 32.90
65 - 69 9.23 12.30 15.38 18.45 21.53 24.60 27.68 30.75 33.83 36.90 39.98 43.05
70 - 74 12.45 16.60 20.75 24.90 29.05 33.20 37.35 41.50 45.65 49.80 53.95 58.10
75+ 15.68 20.90 26.13 31.35 36.58 41.80 47.03 52.25 57.48 62.70 67.93 73.15
Overview
You expect that someday you’ll retire, and so you save for
peace of mind. But what about the peace of mind that comes
with being prepared for the unexpected? By preparing for the
unknown now, you can protect your family’s financial security
and lifestyle no matter what life throws at you. It just makes
good financial sense. Companion offers solutions that make
it easier to weather life’s challenges with various family and
individual disability insurance options.
• 15 th day Accident/15th day Sickness - Benefits
payable for 13 weeks
• Employees may select from $150 to $700 per week
• Benefit cannot exceed 60% of employee’s basic
weekly salary
• Based on 24 pay periods (Semi-Monthly)
16 Employee Benefits Guide
Workplace Benefits Administered by Allstate
Be Well. Be Smart. Be Protected.
Your employer and Allstate provide you with an affordable
Benefit options. You’ll get the personalized benefits you
deserve.
Enrolling in Allstate is an easy way to make your life a little
better. You get cash benefits for the out of pocket expenses
not covered by your health plan, disability income for you bills,
wellness benefits, doctor office visit benefits and much more.
Employee Advantages
• Affordable Group Rates
• Ease of payments through payroll deduction.
• Pre-tax deduction of premiums
• Optional coverage for spouse and dependent children
• Portable benefits if you changes jobs or retire
• Flexible premium amount and coverage to meet your
changing needs
• Easy qualification – no medical exams. Guaranteed
issue during initial open enrollment
• Benefits paid directly to you
• Access to a qualified Allstate Benefits Specialist
Summary of your Allstate Benefit Options:
Eye Med Vision Plan
A Group Limited-Benefit Plan that provides benefits for
vision care, with an affordable co-pay schedule for Preferred
Providers and a co-pay schedule for Providers of your choice
that are not on the Preferred list.
Allstate Accident Plan
Accident coverage pays lump-sum benefits for on- and off-
the-job accidents, in addition to existing medical coverage.
Covers two well doctor visits a year, in addition to disability
income benefits for accident, sickness, and maternity. (See
brochure for full details)
Allstate Cancer Plan
Cancer and Specified Disease pays benefits that can be used
for non-medical related expenses that health insurance may
not cover as a result of cancer and 29 other specified diseases
Allstate Critical Illness Plan
Critical Illness coverage pays lump-sum benefits directly to
the insured at the time a covered illness is diagnosed. Also
provides an annual $100 wellness benefit for Cancer and Heart
Screenings.
Have questions?
your Allstate Benefits Specialist
Mitch Prescott
Workplace Benefits Plus
PO Box 1148, Beaufort, SC 29901
(843)522-3835 Local
(843)631-0009 Toll Free
your local Allstate Agent
Steve Peper
2128 Ashley Phosphate Rd Ste. 100
North Charleston, SC 29406
(843) 572-5511
seMi-MOnthlY cOntriButiOn
Plan EmployeeEmployee& Spouse
Employee& Children
Family
Eye Med Vision $ 3.97 $ 7.54 $ 7.94 $ 11.67
AccidentLow OptionHigh Option
$ 11.25$ 23.78
$ 14.59$ 30.46
$ 15.34$ 31.94
$ 17.19$ 35.66
Cancer $ 12.47 $ 21.27
Critical Illness Rates based on age.
Employee Service Hotline: 1-877-335-3067 17
401(k) Profit Sharing Administered by 401k Focus
Eligibility
You will be eligible to make Elective Deferrals when you
complete one month of service. You will be eligible for
any Safe Harbor employer contributions when you have
completed 12 consecutive months of Service without a Break
In Service.
For more information, please refer to the Summary Plan
Description and the Plan Document.
Entry Dates
January 1st, April 1st, July 1st and October 1st
Employee
For the 2011 Plan Year, you may Contribution contribute up to
$16,500 ($22,000 if Amounts you will attain age 50 during the
plan year) of your gross compensation.
The amounts you defer cannot be forfeited or taken away
from you under any circumstances.
Rollover
If you participated in another qualified retirement plan (401(k),
profit sharing and/or money purchase), 403(b) plan, or 457
plan before you were employed by us, or if you have an
Individual Retirement Account (IRA), you can roll distributions
made to you from that plan into this Plan, excluding any
after-tax contributions, provided that you have met all
legal requirements for a rollover. Please contact your plan
administrator for more information on rollover contributions.
You will always be 100% vested in any rollovers.
Employer
Each year at the discretion of the employer, a safe harbor
matching contribution of 100% of your elective deferrals up
to 3% of your compensation, and 50% of elective deferrals
between 3% and 5% of your compensation may be made.
The employer may make an additional profit sharing or
matching contribution. Additional eligibility requirements may
apply to these contributions. These contribution amounts are
subject to change upon notice from the Employer.
Vesting
You will become vested in your non-Safe Harbor employer
contribution accounts according to the following schedule:
years of Service Vesting %
1 ....................................................................................................................0%
2 ................................................................................................................ 20%
3 ................................................................................................................40%
4 ................................................................................................................60%
5 ................................................................................................................ 80%
6 .............................................................................................................. 100%
Credit for vesting will be given for Years of Service with the
company based on your original date of hire.
Beneficiary
You may change your beneficiary designation at any time by
completing a new Beneficiary Designation Form and sending
it to your company. If you are married, your spouse will be
named as your beneficiary unless, with your spouse’s consent,
you designate another on your Beneficiary Designation Form.
Designation
Contributions
Hardship The Plan allows for a distribution of your Vested
Account balance for hardship reasons, which are defined
in the Plan document as unreimbursed medical expenses;
post-secondary education for yourself, your spouse and/
or your children; the financing of a primary residence;
funeral expenses for a member of your family; substantial
rehabilitation and repair to a primary residence; and
prevention of eviction or foreclosure.
Withdrawals
Contributions
Your hardship distribution will be taxable as ordinary income
in the year you receive it. If you have not attained age 59½,
the distribution may also be assessed a 10% penalty tax.
Loans
If eligible you may borrow a minimum of $1,000 to a
maximum of 50% of your vested interest or $50,000,
whichever is less. Loans are available for the same reasons
as hardship distributions. See the Loan Policy Statement for
more information.
18 Employee Benefits Guide
Pre-Paid Legal Services Administered by Pre-Paid Legal Services, Inc.
Preventive Legal Services
Phone Consultations on Any Subject Matter: You have toll-free
access to your Provider Law Firm immediately when you enroll,
for personal or business related legal matters. Just call your
provider’s toll-free number during regular business hours.
Phone Calls and Letters: A phone call or letter from your
Provider Law Firm can get you the results you want fast. Your
Provider Firm will recommend a letter or phone call when that
is the best legal step for you. One call or letter per personal
subject related matter is free with your membership. Plus, you’re
entitled to two business letters each year at no additional cost!
Additional assistance for same subject at a 25% discount.
Contract and Document Review: You can have an unlimited
number of personal legal documents–up to ten pages each–
reviewed by your Provider Law Firm. Included each year is one
business document review at no additional cost! Your Provider
Firm will analyze the documents and suggest changes for your
benefit before you sign!
Will Preparation: A Will for you at no additional charge–not just
a “simple” Will, but one that meets most Americans’ needs–with
yearly reviews and updates. Wills for covered family members
just $20 each; changes and updates $20. Trust preparation is
available at a 25% discount.
Motor Vehicle Legal Expense
(For all covered family members who are licensed drivers)
Minor Legal Expenses: Your Provider Law Firm will assist you
or your covered family members with moving traffic violations
at no additional cost to you. Now you can have help with traffic
tickets and not have to worry about the cost of representation.
Major Legal Expenses: Your Provider Law Firm will defend you
or your covered family members when you are charged with
Manslaughter, Involuntary Manslaughter, Negligent Homicide,
or Vehicular Homicide at no added cost to you. And up to 2.5
hours for help with . . .Damage recovery service, Driver’s license
assistance, Personal injury legal expenses
Trial Defense Services
(For employee & spouse or significant other)
During your first membership year, you have up to 60 hours
of your Provider Law Firm’s time when you or your spouse
is named defendant or respondent in a covered civil or
criminal action filed in court. The criminal action must arise
out of the performance of the covered person’s employment
responsibilities. Your Provider Firm can advise you of the
documents required to determine coverage under this benefit.
Of these 60 hours, up to 2.5 hours may be used for all legal
services rendered in defense of the covered suit prior to actual
trial. Up to 57.5 of the remaining hours are available for actual
trial time, including covered criminal preliminary hearings.
YOUR HOURS OF SERVICE INCREASE . . . WHEN YOU RENEW
YOUR MEMBERSHIP
2nd year renewal: 3 hours of pre-trial time - plus 117 hours of trial
time at no added cost.
3rd year renewal: 3.5 hours of pre-trial time - plus 176.5 hours of
trial time at no added cost.
4th year renewal: 4 hours of pre-trial time - plus 236 hours of
trial time at no added cost.
5th year renewal: 4.5 hours of pre-trial time - plus 295.5 hours of
trial time at no added cost.
IRS Audit Legal Services
Your Pre-Paid Legal membership will help you defray the costs
of an IRS audit and give you the legal support you need.
up to 50 Hours of Attorney Time
Receive up to 50 hours of your Provider Law Firm’s time if you
receive written notice of an IRS audit or are requested to appear
at IRS offices regarding your tax return.
Your 50 hours are available as follows:
• Up to 1 hour for consultation, advice, and assistance when you
receive written notice from the IRS of an audit or appearance.
• If there is no settlement within 30 days, you have up to
2.5 hours for audit representation, negotiations, phone
conversations, and settlement conferences prior to litigation.
• If there is no settlement without litigation, up to 46.5 hours are
available for actual trial appearance if the IRS sues you, or if
you pay the disputed tax and sue the IRS.
Does not cover corporate or business tax returns. Coverage for
this service begins with the tax return due April 15 of the year
you enroll.
Other Legal Services
Should you need legal services not covered by this plan, your
Provider Law Firm will render assistance at a 25% reduction to
their standard hourly rate* for you or any covered dependent.
Please note that a retainer may be required for services to be
rendered under this benefit. Your Provider Law Firm must have
five days notice prior to court representation. Telephone advice
is available immediately.
Who’s included in the plan:
• You as the primary member
• Your spouse or significant other listed on the membership
• Never-married, dependent children up to age 21 who live at
home
• Never-married, dependent children who are full-time college
students and any dependent child, regardless of age, who is
mentally or physically disabled and dependent upon you for
support
Employee Service Hotline: 1-877-335-3067 19
Identity Theft Protection Administered by Pre-Paid Legal Services, Inc.
Credit Report: Evaluate your current credit standing with:
• An up-to-date credit report through Experian at no added cost
• A personal credit score calculated by an independent scoring
service
• A detailed analysis of your personal credit score
Experts recommend that you review your credit report regularly.
The Identity Theft Shield makes it easy.
Continuous Credit Monitoring: Suspicious activity will be
brought to your attention, providing you with early detection.
You’ll receive prompt notice if the credit repository (Experian) is
notified that:
• New accounts have been opened in your name
• Derogatory notations have been added to your credit report
• Public records have been added to your report
• Inquiries have been made against your report
• A change of address has been requested
After you enroll, we’ll mail your membership materials to you.
This benefit is available to you after you complete a “Consumer
Report and Monitoring Authorization Form” provided in your
membership materials or you may call 1-800-654-7757 after
your membership is processed by Pre-Paid Legal.
Identity Restoration: Coverage begins as of your membership
effective date. Identity theft can be devastating, and the process
of restoring your name can be overwhelming and costly. You
need more than “do it yourself” information if it happens to you.
With the Identity Theft Shield a trained expert will take the steps
to restore your name and credit for you!
• Our Licensed Investigators will work on your behalf to help
correct identity theft issues you have with affected agencies
and institutions, including: Credit card companies, Financial
Institutions, All three credit repositories, Federal Trade
Commission, Social Security Administration, Department of
Motor Vehicles, U.S. Postal Service, Law enforcement
personnel… and other organizations that may be affected.
• Fraud alert notifications will be sent on your behalf to all
three credit repositories, Social Security administration,
Federal Trade Commission, U.S. Postal Service and affected
credit card companies and financial institutions.
• Proactive searches of applicable local and national databases
will be made on your behalf to look for information you may
not be aware, including: criminal activity in your name in your
county’s records and certain federal watch lists, Department
of Motor Vehicle records in your state, unknown addresses
affiliated with your name, and banking activity in your name
reported as fraudulent
Identity Theft Safeguard
Valuable identity theft services for your dependent children.
Safeguard
• A Credit education for minors
• Best practices for the use of your child’s social security number
and personal identifying information (PII) from cradle to college
• Best practices for privacy
• Best practices for children who are online
• How to protect your child from identity abuse by a family
member
• How to establish your child’s identity credentials in the event
of actual identity theft
Detection
• Monitoring for the existence of a credit file.
• Notification when a credit file is found to exist.
Consultation
You have access to valuable consultation assistance from a
licensed private investigator who can address issues including:
• Verification if a credit file exists with the three national credit
repositories
• Placing a fraud alert with the three national credit repositories
• Researching the child’s Social Security number for fraudulent
activity
If a consumer file is in existence, they can also address issues
that include:
• Fraud alerts for credit files.
• Opt outs for marketing activity
• What to do if your minor child is claimed as a dependent on
someone else’s taxes.
Identity Restoration
Identity theft can be devastating, and it can take a great deal
of time and expense to restore. Safeguard brings the trained
experts on your side. They will take the steps necessary to
restore your child’s credit.
Restoration services include:
• Assistance in obtaining a police report
• Provide credit reports* if they have been created
• Dispute all fraudulent accounts with creditors, collectors,
credit repositories, utility companies, check clearinghouse
agencies, banks, and others as the situation warrants
• Place fraud alerts with all three credit reporting agencies*,
Federal Trade Commission, United States Postal Service and
the Social Security Administration
• Place a 7-year fraud victim statement with the credit reporting
agencies or place a Credit Bureau Minor Fraud alert
20 Employee Benefits Guide
Pre-Paid Legal Services Administered by Pre-Paid Legal Services, Inc.
Legal Shield
Do you know your rights?
• What would you do if you were detained by a law enforcement
officer?
• What would you do if you’re injured in an accident?
• What if the authorities attempted to remove your child from
your home or custody?
• What if an officer arrived at your door with a warrant?
Finally, there is one answer to all of those questions! As a Legal
Shield member, present your Legal Shield membership card to
the officer. By showing the card, you make it clear you want to
call your lawyer immediately. If you are injured in an accident
or confronted with the state taking your child, or served with a
warrant, you’ll be able to contact a lawyer immediately. To use
your Legal Shield, simply call the 24-hour, toll-free Legal Shield
number. A Pre-Paid Legal Services, Inc. representative will then
connect you to your Provider Law Firm. It’s that simple.
Additional Information
Phone consultation: Unlimited phone consultation is available
to the extent the Provider Law Firm deems it necessary to
adequately advise you on your legal matter. One (1) hour of legal
research per subject matter will be completed by the Provider
Law Firm if your legal matter cannot be adequately addressed
during your telephone consultation.
letters and Phone calls: A letter or phone call per subject
matter is available if advisable in your Provider Law Firm’s sole
discretion.
Will Preparation: Trust preparation is available at the preferred
member rate. A standard Will with yearly updates provided
for the primary member at no additional cost. Covered family
members can also have their Will prepared for $20 each, with
yearly updates for only $20.
Motor vehicle legal services: These services are available
15 days after enrollment. Representation under this benefit
is provided when the member has a valid driver’s license
and is driving a properly licensed motor vehicle. Pre-existing
conditions, charges of DUI/DWI related matters, drug-related
matters, hit-and-run related charges, leaving the scene of an
accident, and unmeritorious cases are excluded. Commercial
vehicles with more than two axles are not covered. Driver’s
license and personal injury/property damage recovery
assistance is limited to two and one-half (2-1/2) hours of lawyer
time per claim, does not include the filing of a lawsuit, and
excludes personal injury and property claims exceeding $2,000.
trial defense services: Matters not covered under Plan benefits
and which you may use your preferred member rate for
services are: • Dependents (covers member and spouse only).
• Bankruptcy, divorce, separation, annulment, child custody or
other divorce or domestic-related matters. • Charges of DUI/
DWI, drug-related matters (whether prescribed or not), hit-
and-run, leaving the scene of an accident, and civil or criminal
charges occurring as a result of operating a commercial vehicle
with more than two axles. • Plan benefits apply only to charges
of job-related criminal actions. Benefits do not cover instances in
which you are named in a civil lawsuit or have criminal charges
filed against you because you are listed as an owner, manager
or associate of the business and you had no direct involvement
with the act or matter that gave rise to the lawsuit or criminal
charge. • Lawsuits filed because of something that occurred
prior to your enrollment or because of conditions that were
reasonably anticipated or foreseeable prior to your enrollment
(even if the lawsuit is filed after you become a member). •
Class actions, interventions or amicus curiae filings in which the
covered member is a party (or potential party). • Garnishment,
attachment or any other appeal. • Claims, defenses, or legal
positions which your Provider Law Firm determines will not
prevail in court or are frivolous or without merit.
irs audit legal services: Coverage includes the return due
on April 15th of the first membership year. Does not cover
garnishment, attachment or any other appeal, class actions,
interventions or amicus curiae filings, charges of tax fraud or
income tax evasions, Trust returns, business and/or corporate
tax returns, payroll and information returns, partnerships,
corporation returns or portions thereof that are included in the
member’s tax returns, pre-existing conditions—where member
has been notified by the IRS prior to enrollment, and services
rendered by an enrolled agent.
Preferred Member rate: If you need representation in court, you
must notify your Provider Law Firm at least five business days
in advance so they may prepare for your case. Hourly rates for
referral lawyers and court appearances may vary.
general Provisions: You may use your preferred member
discount and phone consultation benefit for any Plan exclusions.
Fines, court costs, penalties, expert witness fees, bonds, bail
bonds, and any out-of-pocket expenses are your responsibility
and are not part of your membership fees and/or benefits. A
retainer fee may be required prior to services being rendered for
services not otherwise covered by your membership benefits.
legal shield: The Legal Shield service will not apply if the
member is alleged to be under the influence of or impaired
by alcohol, intoxicants, controlled substances, chemicals or
medicines, whether prescribed or not; the member is alleged
to be involved with domestic violence or stalking; the member
is being detained for outstanding warrants; the member needs
assistance in making, posting, or obtaining bond, bail or other
security required for release.
Employee Service Hotline: 1-877-335-3067 21
EAP
Medicare NoticePrior to November 15, 2007, all employers who offer a medical plan that provides pharmacy coverage are required to send a notice to all plan participants who are eligible for Medicare. Because we do not track which of our employees are eligible for Medicare, we are meeting this obligation by providing this notice to all employees who are eligible for our benefits program. This notice does not apply to you if you or your dependents are not Medicare eligible. If you or a covered dependent are Medicare eligible or will become Medicare eligible in 2011 or 2012, this notice is important to you and contains important, time sensitive information. Please read it carefully and act accordingly to protect your interests.
Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with PPCP, and prescription drug coverage available for people with Medicare. It also tells you where to find more information to help you make decisions about your prescription drug coverage.
• Medicare prescription drug coverage became available in 2006 to everyone with Medicare through Medicare prescription drug plans and Medicare Advantage Plans that offer prescription drug coverage. All Medicare prescription drug plans provide at least a standard of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
• PPCP has determined that the prescription drug benefit offered through the PPCP medical plan is, on average for all plan participants, expected to pay as much as the standard Medicare prescription drug coverage and is considered creditable coverage.
Individuals can enroll in a Medicare prescription drug plan when they first become eligible for Medicare and each year from November 15th through December 31st. However, because you
have existing prescription drug coverage that, on average, is as good as Medicare coverage, you can choose to join a Medicare prescription drug plan later. Each year after that, you will have the opportunity to enroll in a Medicare prescription drug plan between November 15th through December 31st. If you do decide to enroll in a Medicare prescription drug plan and want to drop your PPCP prescription drug coverage you will have to drop all of your healthcare coverage with PPCP since prescription drug coverage is a part of your PPCP healthcare plan. Please be aware that you may not be able to get this coverage back should you decide to drop it.
You should compare your current coverage, including which drugs are covered, with the coverage and cost of the plans offering Medicare prescription drug coverage in your area. Your current coverage pays for other health expenses in addition to prescription drugs. You will be eligible to receive all of your current health and prescription drug benefits even if you choose to enroll in a Medicare prescription drug plan.
You should also know that if you drop or lose your coverage with PPCP and don’t enroll in Medicare prescription drug coverage after your current coverage ends, you may pay more to enroll in Medicare prescription drug coverage later. If you go 63 days or longer without prescription drug coverage that’s at least as good as Medicare’s prescription drug coverage, your monthly premium will go up at least 1% per month for every month that you did not have that coverage. For example, if you go nineteen months without coverage, your premium will always be at least 19% higher than what most other people pay. You’ll have to pay this higher premium as long as you have Medicare coverage. In addition, you may have to wait until the following November to enroll.
For more information about this notice or your current prescription drug coverage, contact our
office for further information. NOTE: You may receive this notice at other times in the future such as before the next period you can enroll in Medicare prescription drug coverage, and if this coverage changes. You also may request a copy at any time.
More detailed information about Medicare plans that offer prescription drug coverage is available in the ’Medicare & You’ handbook. You will get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare prescription drug plans. You can also get more information about Medicare prescription drug plans from these places:
• Visit www.medicare.gov.
• Call your State Health Insurance Assistance Program (see your copy of the Medicare & You handbook for their telephone number) for personalized help.
• Call 1–800–MEDICARE (1–800–633–4227).
TTY users should call 1–877–486–2048
For people with limited income and resources, extra help paying for a Medicare prescription drug plan is available. Information about this extra help is available from the Social Security Administration (SSA). For more information about this extra help, visit SSA online at www.ssa.gov, or call them at
1–800–772–1213 (TTY1–800–325–0778).
Remember: Keep this notice. If you enroll in one of the Medicare approved plans offering prescription drug coverage, you may need to provide a copy of this notice when applying for the coverage to show that you are not required to pay a higher premium amount.
First Sun counselors are available to assist you and all
family members who are eligible for company health care
benefit issues, addiction, family issues, or life transition
issues, assistance is just a phone call away. In addition to
these services, each eligible person may also use up to
three (3) of the following life management services.
• Telephonic Legal Consultation
• Family Financial Counseling
• Adult care Consultation
• Childcare Services
• School Assistance
• College Assistance
• Adoption Assistance
First Sun EAP offers web-based information, articles,
self-assessments, and streaming videos that focus on
a wide range of behavioral health topics. Information
about financial planning and financial calculators are
also available online. Use your company name as your
password and login name to access the website. These
services are confidential to the fullest extent of the law.
Please call: 1-800-968-8143 If you have any questions or need additional materials.
Benefits In-Network
individual & family counselingVisits 1-5
$0
individual & family counselingVisits 6-10
$25 per visit
life Management services5 Visits
$0
Administered by First Sun EAP
CHIP Notice
Dependent Children Coverage Notice
Lifetime Limit Change Notice
22 Employee Benefits Guide
1/1/2011
Individuals whose coverage ended, or who were denied coverage (or were not eligible for coverage), because the availability of dependent coverage of children ended before attainment of age 26 are eligible to enroll in the Porter Gaud health plan. Individuals may request enrollment for such children during open enrollment November 1-30. Enrollment will be effective January 1, 2011. For more information contact the Benefits Hotline at 1-877-335-3067.
Your adult children can join or remain on your plan whether or not they are:
• Married; • Living with you; • In school; • Financially dependent on you; • Eligible to enroll in their employer’s plan, with one temporary exception: Until 2014 “grandfathered” group plans do not have to offer dependent coverage up to age 26 if a young adult is eligible for group coverage outside their parents’ plan.
The lifetime limit on the dollar value of benefits under Palmetto Primary Care Physicians’ health plan no longer applies. Individuals whose coverage ended by reason of reaching a lifetime limit under the plan are eligible to enroll in the plan. For more information contact Blue Water Benefits at 1-877-335-3067.
If you are eligible for health coverage from your employer, but are unable to afford the premiums, some States have premium assistance programs that can help pay for coverage. These States use funds from their Medicaid or CHIP programs to help people who are eligible for employer-sponsored health coverage, but need assistance in paying their health premiums.
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, you can contact your State Medicaid or CHIP office to find out if premium assistance is available.
If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, you can contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you qualify, you can ask the State if it has a program that might help you pay the premiums for an employer-sponsored plan.
Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP, your employer’s health plan is required to permit you and your dependents to enroll in the plan – as long as you and your dependents are eligible, but not already enrolled in the employer’s plan. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance.
You should contact the State of South Carolina for further information on eligibility:
SOUTH CAROLINA – Medicaid Website: http://www.scdhhs.gov Phone: 1-888-549-0820
For more information on special enrollment rights, you can contact either:
U.S. Department of Labor U.S. Employee Benefits Security Administration www.dol.gov/ebsa 1-866-444-EBSA (3272)
Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Ext. 61565
Medicaid and the Children’s Health Insurance Program (CHIP) Offer Free Or Low-Cost Health Coverage To Children And Families
Employee Service Hotline: 1-877-335-3067 23
Medical Plan
BlueChoice HealthPlan
1-800-868-2528
www.bluechoicesc.com
Group#: 2069263
Health Savings Account
First Federal
1-888-529-2220
www.firstfederal.com
Dental Plan
Guardian
1-(800) 529-3268
www.guardiananytime.com
Group#: 65001211
Basic Life Insurance
Prudential
1-800-524-0542
www.prudential.com
Optional Life Insurance
Prudential
1-800-524-0542
www.prudential.com
Pre-Paid Legal Services
Pre-Paid Legal Services, Inc.
1-(800) 529-3268
EAP
First Sun EAP
1-803-376-2668
1-800-968-8143
www.firstsuneap.com
Voluntary Short Term Disability
Companion
1-800-753-0404
www.companionlife.com
Voluntary Long Term Disability
Principal
1-800-986-3343
www.principal.com
401(k) Plan
American Pensions
843-849-3050
www.401kfocus.com
Allstate
Workplace Benefits Plus
866-631-0009
Benefit Contacts
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