1. 2015 Associated Providers’ Group Benefits

2. APG Benefits Dental Vision Voluntary Life Insurance
Voluntary Short & Long Term Disability
Unum Individual Long Term Disability
Flexible Spending Accounts
Legal- ARAG
Identity Protection- InfoArmor
Trustmark Critical Illness & Universal Life
Employee Assistance Program
Retirement
Worker’s Compensation

3. Lincoln Dental Plan Options: Core Plan (In or Out of Network Options)
Buy Up Plan (In or Out of Network Options)
With the Core or Buy Up plan, select either the In or Out of Network Option
Premiums are the same for both options within each plan

4. Lincoln Dental Plan Options

5. Lincoln Dental Premium
Core Plan
Total Cost
Employee
$33.56
Employee + Spouse
$66.13
Employee + Child(ren)
$86.09
Family
$118.68
Buy Up Plan
Total Cost
Employee
$44.85
Employee + Spouse
$88.35
Employee + Child(ren)
$115.03
Family
$158.56

6. NVA - Vision Benefits

7. National Vision Administrators Premiums
Monthly Cost
Employee
$15.15
Employee + Spouse
$27.27
Employee + Child(ren)
$24.24
Family
$39.40

8. Lincoln – Voluntary Life Insurance
Guarantee Issue for employee up to $350k during new hire enrollment
Coverage amounts for employee range from $10k - $500K (increments of $10k)
Coverage amounts for spouse range from $5k - $250k (increments of $5k with a Guarantee Issue of $30k)
Coverage amounts for children range from $2.5k - $10k
Employee paid, post tax

9. Lincoln Voluntary Short Term Disability
You are able to elect a weekly benefit in $50 increments, up to a maximum of $2,500 per week, not to exceed 60% of your salary
Two options to select from - a 14 day wait period with slightly higher rates or a 30 day wait period
Benefits reduced by income received by state disability plan
Employee paid, post tax

10. Lincoln Voluntary Long Term Disability
Monthly benefit of up to $5,000, not to exceed 50% of your monthly earnings
Benefits begin after a 90 day elimination period
Employee paid, post tax

11. UNUM Individual Long Term Disability
Up to $7, per month guarantee issue (no medical exam required)
Offset by group LTD coverage, whether on not elected
Discounted premiums that will not increase – guaranteed renewable, non-cancellable converage
You own the policy – take it with you at the same discounted rate
Employee paid, post tax

12. Flexible Spending Accounts (FSA’s)
Health Care Account: up to $2,500 per year in pre-tax contributions to cover out-of-pocket health care expenses for you and dependents
Dependent Day Care Account: up to $5,000 per year to cover out-of-pocket dependent day care expenses
Business Expense Reimbursement Account: contracted amount that is pro-rated based on calendar year for new hires

13. Health Savings Accounts (HSA’s)
You must be enrolled in an HSA eligible medical plan offered by your company to enroll in a Health Savings Account
Annual Contribution Maximums:
$3,350 (single)
$6,650 (family)
$1,000 Catch-Up (age 55 or older)
Account is with Optum Health Bank
Contribution amount may be changed at any time

14. ARAG Legal Legal Services Include:
Free educational resources and tools to research legal issues
Ability to create online, state-specific, legally valid documents written by attorneys
Legal advice and consultation
Discount or reduced fee attorney services
100% paid-in-full attorney services for covered legal matters

15. InfoArmor Identity Theft Protection
Services Include:
Identity Monitoring
CreditArmor
Internet Surveillance
Digital Identity
WalletArmor
Social Medical Reputation Monitoring
Privacy Advocate Remediation
$25,000 Identity Theft Insurance Policy
Solicitation Reduction

16. Trustmark Universal Life & Critical Illness
Coverage is available for you and your eligible family members in amounts from $5,000 up to $300,000
There is a long-term care benefit built in to the universal life plan, as well as a death benefit restoration feature
Critical Illness with Cancer Insurance
This coverage offers a lump-sum benefit payment when first diagnosed with a covered critical illness which include:
Invasive cancer – Stroke - Heart Attack - Major Organ Transplant - Renal Failure – Paralysis – Blindness - Lou Gehrig’s Disease

17. Employee Assistance Program
Confidential Assistance with:
Family & Caregiving
Emotional Well-Being
Daily Living
Health & Wellness

18. Schwab Retirement
401k Savings Plan: 25% max contribution per paycheck up to $18,000 annually
401(k) Catch-Up Provision: 25% max contribution per paycheck up to $6,000 annually, must be age 50+
Elective Deferral Plan: 20% max contribution per paycheck up to $35,000 annually upon completing eligibility of 1,000 hours within first 12 months or medical directors employed for 6 months
EDP is a one time irrevocable election

19. Schwab Retirement
The total max contribution an employee and employer are allowed in 2015 is $53,000 (excluding the $6,000 catch-up provision)
The plan does not match the 401(k) deferral because of the ability to defer the additional $35,000 as EDP funds
$18, (k)
+ $35,000 – Elective Deferral Plan
$53,000 max contribution per IRS (2015)

20. Workers’ Compensation
If an injury occurs while “on the job”, Employees should immediately:
Contact their Medical Director
Complete the “First Report of Injury Form” within 24 hours.
The completed form should be forwarded to your Payroll/Benefits coordinator.

21. Questions?