1. Educational Conference – April 23rd, 2014
WSCFF-Sponsored Insurance Programs
Educational Conference – April 23rd, 2014
Greg DiMartino | John Wallen | Marcus Morrell | Karni Adamson | Becky Wallen
1501 Fourth Avenue | Suite 2400 | Seattle, WA 98101
Tel: (206) or (800) | Fax: (206)
Proprietary & Confidential

2. WSCFF & DiMartino Associates
Benefits Consulting firm formed in 1990 by Greg DiMartino
In partnership with WSCFF since 1999
Provides consulting and member service for multiple WSCFF-Sponsored Insurance Programs

3. Overview of WSCFF Programs
WSCFF Life & Disability Plans
WSCFF MERP
Northwest Fire Fighters Trust (NWFFT)
Regence Medical
Moda Dental (Delta Dental)
NWFFT Medicare Pool
NWFFT VEBA

4. WSCFF Life & Disability Plans
Program launched by WSCFF in 1978
Western Life / Fortis:
The Standard:
Cigna: 2014-
Numerous plan amendments have been made to enhance benefits and to make the plan unique to fire fighter needs
Pre-Disability Earnings
Sick Leave Buy Back
Waiver of Premium
LEOFF Integration
Claims utilization has spiked over the last 2-3 years
Q through 2013: $4.2M in Premium / $3.3M in Paid Claims / $1.2M IBNR
Standard was proposing a 45% overall increase

5. WSCFF Life & Disability Plans
Effective 1/1/2014, all WSCFF Life & Disability plans moved from The Standard to Cigna
Current contracts were taken over “as-is”, with the exception of a handful of very minor contractual changes
Cigna’s proposal came with a 5% increase to the package plans for both STD and LTD rates, with a rate pass for the Life/AD&D and Voluntary Life – guaranteed until 1/1/2016
WSCFF is subsidizing more than half of the proposed increase so the direct impact to the member is only 2% for each coverage line
Plan 1 premiums increased about $ $1.40 pepm
Plan 2 premiums increased about $ $1.40 pepm
Custom plans may have seen a different increase depending on claims experience
Increases do not take into account any salary changes

6. WSCFF Life & Disability Plans

7. WSCFF Voluntary Life
Voluntary Life insurance is available to any Local with a WSCFF Life & Disability plan
Members can purchase up to $500,000 of Life on themselves and up to $250,000 on their spouses (up to $5,000 on dependent children)
Guarantee Issue available during initial open enrollment and to new hires - $100,000 with no medical questions ($20,000 for spouse)
Rates are age-banded in 5 year increments

8. WSCFF Life & Disability Plans
All disabilities beginning 12/31/13 and prior will remain with Standard. Only disabilities occurring on and after 1/1/14 will be adjudicated by CIGNA
All coverage was automatically transferred to Cigna, including Voluntary Life – no new enrollment forms were needed
Your current beneficiary designations are still valid – don’t forget to update them as needed
New policy certificates will be sent to the Local contact as soon as they are available
Added Benefits: EAP, Will Prep & Estate Planning (online tool), Identity Theft and Health & Wellness (password: savings)

9. WSCFF Life & Disability Plans
Claim Filing – Cigna takes claims directly over the phone! Contact DiMartino Associates for information on how to file.
TIP: Always file early!
Administration of Program – DiMartino Associates is still your liaison with the insurance carrier
Claims: Becky Wallen or Karni Adamson
Billing/Eligibility: Shannon Brauner or Laura Ziebell
We are here to help in educating your membership and providing member service!

10. WSCFF MERP Available to 7th District IAFF Locals
Reimburses you – for your lifetime – for:
Premiums for medical, dental, vision, long term care coverage for you and your family (spouse/domestic partner and IRS dependent children)
Other medical, dental and vision expenses (that aren’t covered by insurance) for prevention, diagnosis, and/or treatment of a medical situation for you and your dependents. (Defined by IRC 213(d).)

11. WSCFF MERP Began in 1999 with 1 Local
Now: 122 Participating Locals, > 6,000 members
108 in Washington
11 in Idaho
2 in Alaska
1 in Montana
Fund is over $50 Million, growing by approximately $650,000 each month
250+ retirees currently accessing benefits

12. WSCFF MERP WSCFF Benefit Trust Board of Trustees
The Board of Trustees is made up of 9 fire fighters all from separate participating locals on staggered terms
6 are elected at WSCFF Annual Convention
Brian Hurley- Tumwater
Jeff Wainwright – Spokane Co. FD #8
Rich Knight – SeaTac Fire Fighters
Craig Soucy – Renton Fire Fighters
Kenny Stuart – Seattle Fire Fighters
Brian Murphy – Anchorage Fire Fighters
3 are appointed by the WSCFF
Kelly Fox
Greg Markley
Ricky Walsh

13. WSCFF MERP
Monthly Contribution: Minimum of $75/month; Local can increase over time in increments of $25
24 Locals have increased their monthly contribution amount
No maximum monthly contribution; highest is currently $300/month
1 Active Service Unit (ASU) = $25
ASU’s are accumulated throughout your career and multiplied by Unit Multiplier to determine your lifetime monthly benefit
Unit Multiplier (UM) = 0.39
Actuarial Review occurs every 3 or so years

14. WSCFF MERP
Monthly Contribution: Minimum of $75/month; Local can increase over time in increments of $25
24 Locals have increased their monthly contribution amount
No maximum monthly contribution; highest is currently $300/month
1 Active Service Unit (ASU) = $25
ASU’s are accumulated throughout your career and multiplied by Unit Multiplier to determine your lifetime monthly benefit
Unit Multiplier (UM) = 0.39
Actuarial Review occurs every 3 or so years

15. WSCFF MERP Fire Fighter #1 - $75 contribution for 10 years
$75 = 3 ASU per month X 12 X 10 years = 360 ASU
360 X .39 = $ monthly benefit
Fire Fighter #2 - $100 contribution for 20 years
$100 = 4 ASU per month X 12 X 20 years = 960 ASU
960 X .39 = $ monthly benefit
Fire Fighter #3 - $75 contribution for 7 years; Local votes to increase contribution to $100 and FF contributes this for 18 years; 25 total years of contributions
3 X 12 X 7 years = 252 ASU
4 X 12 X 18 years = 864 ASU
= 1,116 total ASU X .39 = $ monthly benefit

16. The Concept
Labor-sponsored Trusts
Available to any IAFF Participating Local
Recognized, Reputable, and Reliable Carriers
Highly Competitive Plans – Rates & Benefits
Team of Advisors
Consultant: DiMartino Associates
Administrator: Benefit Solutions, Inc.
Legal Counsel: Mckenzie Rothwell Barlow & Coughran

17. Sponsored by WSCFF
Governance through board of 9 fire fighter Trustees
Currently offering 10 fully-insured medical plans, underwritten by Regence Blue Shield
7 fully-insured dental plans, underwritten by Moda Health (a Delta Dental plan)
Retiree Medical & Dental plans available – must be attached to a participating Local

18. Medical Plans
-Deductible and Out of Pocket Maximum are 2x for family

19. Dental Plans

20. Medicare Pool
Medicare plans are available to any IAFF retired fire fighter, regardless of Active group participation
Also available to Eligible Member’s Medicare-entitled spouses
Direct bill from NWFFT via DRS deduction, ACH, etc.
Menu of MedAdvantage, Medigap and standalone Prescription Drug plans
Must be Medicare-eligible and enrolled in Part A and Part B
Contact DiMartino Associates for more information!

21. VEBA
*New product in 2014* – NWFFT is partnering with BPAS to bring you the only VEBA on the market with debit card technology!
Each employee gets 2 Benny Cards
What makes a VEBA different than an HRA?
Investment earnings via target or self-directed funds
Starting at $6.50 pepm + 35bp per year (vs. competing VEBA at $1.50 pepm and 125 bps)
Nightly trades with the NSCC (allows 48 hour claims turnaround)
Mobile applications for iPhone and Droid
Plan consulting services included
Best of all – no set up fees when you sign up through NWFFT!

22. Federal & State Law Compliance
Consulting Services
Strategic Consulting
Long Term Planning with Local Executive Boards
Planning, Implementation, and Monitoring of Population Health Management(PHM)
Overall Benefits Package Review
Federal & State Law Compliance
Initial Setup and Audit of Plan Documents
Assist in Filing Reports and Disclosures
Bi-Monthly Bulletins and Periodic Educational Seminars
Operational
Plan Performance Review
Interactive Plan Modeling
Communications
Open Enrollment Materials
Educational Sessions for Members & Leadership
Benefit Fairs

23. Administrative Services
Consolidated Billing
Member Service – Dedicated NWFFT Team
Online Eligibility / Management – Coming Soon!
HRA/HSA/FSA Administration - $5.50 pepm, no annual or set-up costs!

24. Current Trust Participants
Effective 1/1/2013
WSCFF Staff
Woodinville Fire & Rescue
Grays Harbor Fire Fighters
King County #45 – Duvall
Fairbanks Fire Fighters
Spokane County FD #9
Effective 3/1/2013
North County RFA
Bothell Fire Fighters
Effective 9/1/2013
Pullman Fire Fighters
Effective 1/1/2014
Local 726 H&W Trust
CPFR Fire Fighters & Mechanics
SPFR – Fire + Admin Staff
Central Pierce F&R – Admin Staff
Valley Regional Fire Authority
Stevens County FD #1
Effective 4/1/2014
Tumwater Fire Fighters
Skamania County EMS
Effective 5/1/2014
Lake Stevens Fire

25. Questions? 1501 Fourth Avenue | Suite 2400 | Seattle, WA 98101
Tel: (206) | Fax: (206)
Proprietary & Confidential