Benefits Program Analyst Monica Hernandez 916 3240533 8552383276 Fax m onicahernandezcalhrcagov Introduction We will go over the following programs Common Carrier Travel and Accident Insurance ID: 670057
Download Presentation The PPT/PDF document "Benefits Administration Manual Training" is the property of its rightful owner. Permission is granted to download and print the materials on this web site for personal, non-commercial use only, and to display it on your personal computer provided you do not modify the materials and that you retain all copyright notices contained in the materials. By downloading content from our website, you accept the terms of this agreement.
Slide1
BenefitsAdministrationManual Training
Benefits Program Analyst
Monica Hernandez
(916) 324-0533
(855)238-3276 Fax
m
onica.hernandez@calhr.ca.gov
Slide2
IntroductionWe will go over the following programs:Common Carrier Travel and Accident Insurance
Group Term Life Insurance
Long Term DisabilitySlide3
EligibilityThese programs are for designated excluded employees.
P
lease visit the BAM section for each program to find more information on eligibility.Slide4
COMMON CARRIER TRAVEL and ACCIDENT INSURANCESection 801.1Slide5
801.1 General InformationA state-paid benefit provided for managers, supervisors, confidential, and other specified excluded employees that are required to travel on state business away from the premises where he/she is permanently assigned.
STARR Indemnity & Liability is the current carrier for this program. Slide6
801.2 Eligibility Employees designated managerial, supervisory, confidential, and other specified excluded
employees.
Please visit the BAM Section for more
information.Slide7
801.5 Level of CoverageEligible employees are covered up to $150,000 for accidental death and dismemberment.
If an insured employee suffers more than one loss as a result of an injury and the loss occurred within one year after the date of the accident, only the larger of the sums will be paid.Slide8
801.6 ExclusionsBenefits will not be paid for a loss that is caused by or results from:
Intentionally self-inflicted injuries
Suicide or any attempted threat
More information found in the BAM.Slide9
801.7 EnrollmentEnrollment is automatic, once the employee’s PAR has been keyed and the information has been submitted to State Controller’s Office.
The effective date of coverage is the date the employee is appointed to an eligible classification.Slide10
801.8 Beneficiary DesignationBenefits payable under this program will be paid according to the standard order of beneficiary.
For additional information please contact:
Department of General Services
Office of Insurance and Risk Management (ORIM)
(916) 376-5278Slide11
Reporting a Covered LossDepartment personnel offices are responsible for immediately reporting the death or a covered loss of an insured employee to:
Department of General Services
Office of Insurance and Risk Management (ORIM)
(916) 376-5278Slide12
For more informationReview BAM Section 801.1
Common Carrier Travel & Accident Insurance
http://
www.calhr.ca.gov/state-hr-professionals
Contact DGS, Office of Risk Management (ORIM)
(916) 376-5278
CalHR
(916) 324-0533Slide13
BASIC GROUP TERM LIFE INSURANCESection 801Slide14
801 General InformationA state-paid benefit provided for managers, supervisors, confidential, and other eligible excluded employees.
Metropolitan Life Insurance Company (MetLife) is the carrier for this program.Slide15
802 EligibilityIs designated managerial, supervisory, confidential, and other eligible excluded employees.
M
ore information on the eligibility criteria is listed in the BAM.Slide16
803 Level of CoverageManagers:$50,000 policy
with Accidental Death and Dismemberment
Supervisors
,
Confidential,
and Specified
Excluded:
$25,000 policy
with Accidental Death and DismembermentSlide17
804 EnrollmentEnrollment is automatic, once the employee’s PAR has been keyed and the information has been submitted
to The
State Controller’s Office
.
To be effective the 1
st
of the following month, the PAR must be keyed by the 10
th
of the month.Slide18
Age 70The policy for active enrolled excluded employees, when they reach age 70, their employer-paid life insurance premium and benefit will be reduced by 50% on January 1 of the following year.
$50,000 will reduce to $25,000
$25,000 will reduce to $12,500Slide19
805 Supplemental CoverageEmployees may elect coverage amounts in increments of $10,000 up to eight (8) times their basic annual earnings, not to exceed $750,000, whichever is less.
Monthly premiums are based on an employee’s age and are adjusted annually on January 1 of each contract year. Slide20
805 Continuation of Supplemental CoverageEmployees can also purchase dependent coverage for their spouse or registered domestic partner and unmarried dependent child(ren) up to age 23, at a flat monthly rate based on employee’s age
Eligible dependent child(ren) from birth to six months are insured in the amount of $750.Slide21
Purchasing Supplemental InsuranceEmployees interested in purchasing supplemental life insurance coverage should contact:
MetLife
(800) 252-8524
An administrative fee of 50 cents is added to supplemental.Slide22
Cancellation of Supplemental CoverageEmployees may cancel their supplemental coverage at any time by submitting a written request to:
MetLife
Attn: Group Policy #74503
425 Market Street, Ste. 970
San Francisco, CA 94105Slide23
806 Accelerated Benefit OptionAllows an employee who suffers from a terminal illness to receive partial payment of the insurance benefit prior to death. Employees should contact:
MetLife
(800) 252-8524Slide24
807 AssignmentEligible employees are able to assign their Basic Life and Accidental Death and Dismemberment Policy. Employees should contact:
MetLife
(800) 252-8524Slide25
808 Beneficiary DesignationBenefits payable under this program are paid according to the standard order of beneficiary that the employee filed with MetLife.
If no beneficiary is on file, then benefits will be paid to the standard order of beneficiary.Slide26
Beneficiary FormNeed a beneficiary form?
Contact
MetLife at (800) 252-8524
Visit website
https
://
www.metlife.com/soc
Slide27
809 Reporting a DeathDepartment personnel offices are responsible for immediately reporting the death of a covered employee.
MetLife
(800) 252-8524
Or
CalHR
(916) 324-0533Slide28
810 Involuntary Re-designation Upon an employee’s involuntary change from an excluded designation to a represented designation, the employing department must pay for 12 months of basic life insurance premiums in the amount of:
$100.20 for managerial coverage of $50,000
$52.80 for supervisory/confidential of $25,000Slide29
810 Involuntary Re-designation continuedSubmit a cover memo and mail check to
MetLife
Attn: State of California Policy Administrator Policy #74503
425 Market Street, Suite 970
San Francisco, CA 94105Slide30
810 Leave of Absence/Disability Department personnel offices are responsible to provide information to employees who will be going out on a leave of absence or disability.
It is the employees responsibility to contact MetLife, 30 days prior or within 30 days of their leave of absence, should they want to continue coverage.Slide31
810 SeparationDepartment personnel offices are responsible for providing information to employees, upon separation.
Employees have 30 days to convert the basic and/or supplemental insurance to an individual plan.
E
mployee must contact:
MetLife
(800) 252-8524Slide32
810 Retirement Department personnel offices are responsible for providing information to retiring employees.
Employees who wish to continue their basic and/or supplemental life insurance coverage into retirement, must contact MetLife
30 days prior or within 30 days
of retirement.
MetLife
(800) 252-8524Slide33
For more information
Review BAM Section 801
Basic Group Term Life Insurance
www.calhr.ca.gov/state-hr-professionals
Contact CalHR Benefits Division
(916) 324-0533
Contact MetLife
(800
)
252-8524
www.metlife.com/soc/index.html
Slide34
LONG TERM DISBILITY (LTD)SECTION 901Slide35
901 General Information This benefit is intended to provide income protection in the event an employee becomes disabled due to an illness or injury and is unable to work for six months or longer.
The Standard Insurance is the carrier for this program.Slide36
902 EligibilityEmployees designated managerial, supervisory, confidential, and eligible excluded employees.
Limited Term appointments who otherwise meet this eligibility criteria may enroll in LTD only if they have a mandatory right of return to a position and status that also meets this criteria.Slide37
902 Eligibility ContinuationPermanent Intermittent employees are not eligible.
If an employee has a reduction in time base/salary, it is the employee’s responsibility to submit a new form to reduce monthly premiums.
Please visit the BAM Section for
eligibility information.Slide38
904 Level of BenefitsThe program offers two monthly benefit plan options:
55% of the first $18,182 or
65% of the first $15,385
o
f the employee’s pre-disability earnings (monthly base salary), reduced by other deductible income benefits. Slide39
905 Disability Claim Elimination PeriodAll claimants must complete an elimination period, which is the first six months of disability.
The employee must be under the continuous care of a physician during the elimination period.Slide40
905 Disability Claim Elimination Continued During the elimination period, the employee is responsible for paying the monthly LTD premiums directly to Standard Insurance.
Therefore, it is the responsibility of the department personnel office to inform the employee to pay the premium when the deductions is not paid from the pay warrant.Slide41
906 Pre-Existing LimitationsThere are pre-existing limitations.
Please use the BAM for details.
Standard Insurance will determine this on a case by case situation. Slide42
911 Annual Premium UpdateOn January 1 of each year, an annual age/salary update is conducted for all enrolled employees in the LTD Program.
Therefore, the LTD premium will change, for employees who move into a different age bracket or who has a salary change in the previous year.Slide43
912 Enrollment Newly eligible employees have 60 days from date of eligibility to enroll.
The department personnel office is responsible to notify and provide the LTD form to their newly eligible employees. Slide44
912 Open EnrollmentIt is the department personnel office’s responsibility to notify their eligible employees of open enrollment. Which is conducted annually April 1-30.Slide45
913 Ordering Forms CalHR does not maintain a supply of forms for distribution to departments.
You can order supplies by contacting
Standard Insurance
(855) 641-7193
Emailing:
socltdforms@standard.com
Website:
www.standard.com/mybenefits/california
Slide46
915 Claims Process/ProceduresIt is the department personnel office’s responsibility to notify CalHR when the enrolled employee files a worker’s compensation claim or before the 6 month elimination period is completed.
CalHR, Benefits Division; LTD Program
(916) 324-0533Slide47
915 Waiver of PremiumsDuring the 6 month waiting period, employees must continue to pay their LTD premiums.
If the claim is approved, the premium deduction will be administratively cancelled by CalHR.
Upon return to work (if still eligible) the employee must re-enroll. Department personnel offices are responsible to notify employee.Slide48
916 Loss of EligibilityTransfer to Rank and FileEmployee may enroll in the 24 month direct pay program.
Separation/Leave of Absence
Employee has 30 days to convert their group LTD coverage to a limited individual disability plan.Slide49
916 Loss of Eligibility ContinuedRetirementThere is NO conversion privilege when the employee retires.
It is the department
p
ersonnel office’s responsibility to provide this information to the employee.Slide50
917 Changing Plan CategoriesEmployees who change categories from
Miscellaneous/Non-Safety to
Peace Officer/Firefighter/Safety/Non-OASDI or
Vice versa
n
eed to complete another enrollment form and check the box “Changing Plan Option” and submit to their personnel office. Slide51
918 Cancellation of CoverageEmployees may cancel LTD coverage at any time.
By
c
ompleting
an LTD Enrollment form, indicating “
cancellation
” of
coverage and submitting
to their personnel office.Slide52
918 Cancellation of CoverageSubmit a written request
to:
State Controller’s Office
Attn: Miscellaneous Deductions Unit
300 Capitol Mall, 10
th
Floor
Sacramento, CA 95814Slide53
For more information…Review Bam Section 901 Long Term Disability
www.calhr.ca.gov/state-hr-professionals
Standard Insurance
(888) 641-7193
www.standard.com/mybenefits/california
CalHR
(916) 324-0533