THE PRINCIPIA OPEN ENROLLMENT 2019 Were here to turn this: Into this! What well cover: Introducing our new benefits broker, Keith McNeil Your benefit options for 2019 Your pearly whites Fresh carrots or Peace of mind for your family Keeping free of concerns about paying bills Any more ways I can lower my taxes? Next Steps: Enrolling can be completed quickly using the Online Annual Enrollment process
Will my benefits automatically continue if I dont log into the ADP portal during Open Enrollment? What is included? What is Low costavailable Health Insurance to me? Vacation, Health and Personal Leave Social Security Workers Comp Insurance Unemployment Insurance Tuition Discount
Retirement savingsgenerous match! Up to 7.5% of your pay period earnings Life insurance and Income Protection plansPrincipia pays half the monthly premium Dental & Vision premiums are paid before taxes are calculated An Investment in me? Benefits are a significant part of your total compensation! Example: Employee earning $11.00 per hour x 2080 = $22,880 per year in 2018 Wages $22,880 Health Insurance $ 7,071 (Base Plan for employee only) Retirement $ 1,716 Life Insurance
$ 124 Short-term Disability $ 158 Long-term Disability $ 50 Social Security $ 1,750 Vacation $ 1,760 Health Leave $ 440 Total Compensation $35,949 or $17.28 per hour For every $1.00 per hour in wages earned, Principia pays an additional $0.57 per hour in benefits
Benefit Highlights 2019 Dental Insurance The Standard Insurance Company Rates increasing 12.6% for 2019 and guaranteed through 12/31/2020 (Mutual of Omaha would have increased rates over 25% with no rate guarantee) Low and High PPO options Nationwide Dental Network No need to pick a primary dentist Vision Insurance -- EyeMed Rates unchanged for 2019 Insight Network
Benefit Highlights 2019 Basic Life Insurance and Income Security The Standard Insurance Company Life Insurance two times annual salary $2,000 coverage for non-employee spouse $2,000 for each child from birth to age 26 Group Short-term Disability Plan - pays 60% of gross salary up to $7,500 for up to 180 days. Premium slightly reduced for 2019. Group Long-term Disability Plan - 60% of gross salary from 91 days to Social Security normal retirement age (SSNRA). Premium slightly reduced for 2019. Benefit Highlights 2019 Optional Term Life Insurance The Standard Insurance Company Employees
Optional Life coverage limited to 5 times your annual salary not to exceed $500,000 Rates based on age band Policy can be converted to individual policy upon termination of employment Spouse Optional Life coverage limited to $250,000 or 50% of the employee coverage Children Optional Life coverage $5,000 per child up to age 25 with employee coverage Benefit Highlights 2019 Voluntary Term Life Insurance with The Standard Insurance Company Employee
elect for the first time by completing the Evidence of Insurability (EOI) form. increase your amount of coverage by $10,000, not to exceed 5 x your earnings or $130,000 without completing the EOI. Spouse elect for the first time by completing the EOI. increase this amount of coverage by $5,000, not to exceed 50% of your amount or $40,000 without being required to complete the EOI. Income Security Plan 2019 Short-term Income Protection = The Standard Insurance Company; after elimination period of 14 days plan pays 60% of gross salary up to $1,000 for up to 11 weeks
Long-term Income Protection = The Standard Insurance Company; provides 60% of salary from 91 days to social security normal retirement age (SSNRA) FLEX Accounts Flex Spending: Renewal or participation is not automatic! If desired, this must be elected annually. For the 2019 plan year, the Dependent Care maximum contribution is $5,000 and the Health Care maximum contribution is $2,650. FLEX Accounts Pay for medical expenses and dependent care expenses with pre-tax dollars Annual election maximum: $2,650 for Medical Expenses $5,000 for Dependent Care Expenses Spend
2018 medical elections by March 15, 2019 Submit 2018 Dependent Care Claims by March 15, 2019 2018 Medical Expense Claims by May 15, 2019 FSAs can be used for expenses such as: Covered Prescription Co-pays Doctor and Emergency Room Co-pays Orthodontics Health plan Deductibles and Coinsurance Lasik Surgery Out-of-pocket Dentist or other provider fees Eyeglasses Dependent Care Latch Key Adult Day Care Benefit Highlights 2019
Dental Insurance The Standard Insurance Company Rates increasing 12.6% for 2019 and guaranteed through 12/31/2020 (Mutual of Omaha would have increased rates over 25% with no rate guarantee) Low and High PPO options Nationwide Dental Network No need to pick a primary dentist Vision Insurance -- EyeMed Rates unchanged for 2019 Insight Network PRINCIPIA FULLY INSURED DENTAL PLANS Standard Insurance Company
PPO Low Plan Coverage Tier Waiting Period Individual Deductible Family Deductible [non-CS] Is the deductible waived for preventive? Annual Maximum [non-ortho] Orthodontia Lifetime Limit Preventive, Diagnostic, & Cleanings Basic Services Periodontia Endodontia Major Servcies Orthodontia Orthodontia Age Limit UCR Percentile Exam and Cleaning Limits Sealants limit
Annual Open Enrollment? Minimum Participation Hearing Aid Discount Program? Hourly Work Requirement/Week Rates: Employee Only Employee+Spouse Employee+Child(ren) Family increase over 2018 Rates In-Network PPO High Plan Out-of-Network No Waiting Period if not late $50 [shared expenses]
$50 [shared expenses] Three times Three times In-Network No Waiting Period if not late $50 [shared expenses] $100 [shared expenses] Three times Three times Yes $1,000 N|A $0 Ded. + 20% Ded. + 50% Ded. + 50%
Ded. + 50% Out-of-Network Yes $1,500 $1,000 $0 Ded. + 20% Ded. + 50% Ded. + 50% Ded. + 50% Not Covered N|A N|A 90th Twice in 12-month period Up to Age 16
90th Twice in 12-month period Up to Age 16 Yes 50% combined No No 30 2019 + 2020 30 2019 + 2020 $32.18 $64.99 $81.48
$121.99 $52.60 $95.41 $112.01 $160.57 12.59% 12.59% Vision Plan Insight Network www.EyeMed.com EyeMed VISION EXAM Exam Frequency
Vision Materials Lenses Single Vision BiFocal TriFocal Lenticular Frames In-Network $10 Copay Out-of-Network $40 Reimbursement after $10 Copay Once every 12 months $10 Copay Once every 12 months
$0 Copay $30 reimbursement after $10 Copay $0 Copay $50 reimbursement after $10 Copay $0 Copay $70 reimbursement after $10 Copay $0 Copay $70 reimbursement after $10 Copay Once every 24 months $0 Copay; $150 Allowance; 20% discount off balance $105 Reimbursement Contacts Evaluation and Fitting Conventional Lenses Once every 12 months Discounted Fee of $50 Not Covered
$0 Copay; $150 Allowance; 15% discount off balance $150 reimbursement after $10 Copay Disposable Lenses $0 Copay; $150 Allowance; 15% discount off balance $150 reimbursement after $10 Copay $0 Copay $210 reimbursement after $10 Copay Medically Necessary Lenses Dependent Age Limit Rates Effective 1/1/2017: Employee: Employee + 1: Employee + Child(ren)
Employee + Family To age 26 Please see EyeMeds Benefit Summary for all details of the plan Monthly 2019 Rates $7.16 $13.60 $14.30 $21.04 Anthem Medical Plans 2019 Medical Payroll Deductions Employee Only Employee + 1 Family Annual Out of Pocket Individual
Family Annual EE Contribution Individual EE + 1 Family Base Plan PPO Buy-up Plan Includes HRA Monthly $ 54.40 $646.08 $1,026.90 Monthly $ 182.44 $ 904.20
$1,346.28 $3,425 $6,850 Includes Rx Copays (Before HRA payment) $3,000 $6,000 Includes Rx Copays $ 652.80 $ 7,752.99 $12,322.75 $ 2,189.23 $10,850.36 $16,155.42
Next Steps Personalized Annual Enrollment Packet -- distributed at the Information Meetings Health Plan Information You can update beneficiary information for Life, Voluntary Life at any time on a paper form Principia Resources Enroll at: https://workforcenow.adp.c om There are links to Benefits brochures and additional information on each page.
Contact Debbie Thompson or June Brill with any questions. ADP Portal OPENS: Friday, November 2 CLOSES: Sunday, November 20 at 10:59 pm Carrier Resources Medical link www.Anthem.com Dental link www.standard.com/dental Vision link www.EyeMed.com www.myFlexonline.com Logon and Register to obtain: Benefit Information Claim Information and Status ID card Copies Provider Locations
Tax Forms to File For Your 2018 tax return: Form 1095 ACA reporting maintain with your personal tax documents When will it be received? Sent to you by January 31, 2019 QUESTIONS?? Remember: dont panic! Debbie, June, and Keith are here to help!
Signers of Instruments Maker of notes and certificates of deposit Drawer of drafts and checks Drawee who certifies or accepts checks and drafts Indorser who indorses an instrument Agent who signs on behalf of others Accommodation party Primary Liability Makers...
Programming Languages 2nd edition Tucker and Noonan Chapter 2 Syntax A language that is simple to parse for the compiler is also simple to parse for the human programmer. N. Wirth C-style EBNF C-style EBNF lists alternatives on separate lines...
on ucas.com, which profiles current programmes in more detail. ... Career options - use the job profiles to explore different career roles and pathways, or take the Buzz quiz to find out more about individual strengths, and what roles they...
In the early Anglo-Saxon period, England was actually 7 separate Kingdoms. ... Made new laws, controlled circulation of pennies, granted land to his followers and could take land away (could raise people to title of thegn), had the power to...
Example: Lavarse. Reflexive verbs with parts of the body. ... Reflexive Pronouns . Singular. Plura. Me. Nos. Te. X. Se. Se ` Conjugation of Reflexive Verbs in the present tense. Afeitarse. Afeitar. Me afeitar. Me afeito. Conjugation in the preterite...
Performance Standards for Teachers of English Language Learners Lori Rodriguez and Mary Jane Tappen Carlos Alvarez, Facilitator August 12-14, 2009 Florida Department of Education Dr. Eric J. Smith, Commissioner Florida Education: The Next Generation DRAFT March 13, 2008 Version 1.0
When agile failsCauses & corrections. Craig D. Wilson, MS, PMP, CSM. Matincor, Inc. IT Management Consulting. A "provocative" title. The emphasis is on correct and full implementation of Agile concepts and precepts at multiple levels within the organization.
Ready to download the document? Go ahead and hit continue!