Open Enrollment Period
This year's Open Enrollment period begins September 27, 2010 and runs through October 22, 2010.
During this time, you will be able to enroll in, change, or cancel your health insurance, life insurance, Flexible Spending Accounts and state sponsored supplemental insurance benefits.
Employees will have three ways to enroll in, change, or cancel their benefit elections for Plan Year 2011:
- People First Service Center Enrollment - Service Center Specialists can be reached at 1-866-663-4735 Monday through Friday 8:30 AM - 5:30 PM, Eastern Time.
- Paper Enrollment Forms – You can request forms from a People First Service Center Specialist by calling 1-866-663-4735 or access enrollment forms online on the People First website.
To prepare for Open Enrollment:
- Logon to the People First website and reset your PIN, if needed. Don’t wait until Open Enrollment starts to do this as the Service Center phones will be busy handling Open Enrollment inquiries and transactions. To reset your Pin or to obtain your People First ID number, call the Service Center at 1-866-663-4735.
- Once logged in, check that your ‘Home Address’ and ‘Mailing Address’ are up to date in the People First System. If either of the addresses are incorrect, please notify HR of your correct address by emailing email@example.com from your FGCU email account.
Your personalized Benefits Statement and a 2011 Benefits Guide will be mailed to your home starting September 13, 2010. Remember, your benefits statement will only detail the State sponsored benefits in which you are currently enrolled. It will not include information on University sponsored benefits such as Long Term Disability. Also, please note that HR will not be mailing HMO or supplemental plan packets via interoffice mail. In the coming weeks, all brochures will be available via the HR Benefits website and will also be available on the People First website.
As in years past, Benefit Confirmation Statements will be mailed to all employees who made benefit election changes. Confirmation Statements are scheduled to be mailed the week of October 25th. Employees will have until 5:30 PM, Eastern Time, Friday, November 5th, to contact the People First Service Center in order to make corrections to their Confirmation Statement.
You should review all information received and consider your needs and available benefit options carefully in order to make the best possible choices for the 2011 Plan Year.
Sick Leave Pool Special Open Enrollment
The annual Open Enrollment period to join the University Sick Leave Pool begins on September 27, 2010, and runs through October 29, 2010.
All Faculty, A&P and SP employees with at least one year of employment and a minimum of 64 hours of unused sick leave may enroll during the Open Enrollment period. At the time of enrollment, each employee contributes eight (8) hours of sick leave to the Pool.
The FGCU Sick Leave Pool provides an extra measure of protection for an employee who may suffer an illness or injury that exhausts all of their personal accrued leave. Without the Sick Leave Pool, such an employee could be facing a medical leave of absence without pay. Instead, members may apply to utilize sick leave hours from the Pool, up to a maximum of 480 hours, thereby continuing to receive their regular biweekly paycheck.
Eligible employees will receive an e-mail notification and should complete and submit the Sick Leave Pool Enrollment form.
As an added convenience, eligible employees can enroll at the Employee Benefits Fair on October 5th by visiting the Sick Leave Pool table.
Annual Employee Benefits Fair
Be sure to save the date for the Annual Employee Benefits Fair which will be held on Tuesday, October 5, 2010, from 9 AM to 3 PM. This year's theme brings the sights and sounds of "Broadway" to the Student Union Ballroom, so join in the fun by dressing as one of your favorite characters. Please take advantage of the many opportunities offered to faculty and staff throughout the day.
Insurance and retirement vendors will be available to discuss plan details and answer any specific questions you may have. Many companies offering discounts to FGCU employees will also be on hand. Make plans to attend to learn more about your benefits to assist with your Open Enrollment decisions.
- Register at the Human Resources table and pick up your 'Orchestra Call Sheet' to find out how to become eligible to win one of many fabulous door prizes.
- SAC will be providing refreshments from 9 to 11 AM and hosting an Ice Cream Social from 1 to 3 PM.
Watch for your postcard reminder, which will be mailed to all Faculty & Staff at the beginning of September. Turn in your prelabeled postcard at the Human Resources registration table at the Benefits Fair for a chance to win a special door prize.
This year's door prize winners will be announced throughout the day, however, the grand prize winners will be selected at the end of the day.
HR looks forward to seeing you there!
Due to the State's decision to reduce the State Basic Life Insurance benefit effective January 1, 2011, from 1.5 times salary to a flat $25,000, President Bradshaw has requested that Human Resources research the feasibility of implementing an FGCU Life Insurance program for Faculty & Staff. The intent of the FGCU Life Insurance program is to provide Faculty & Staff life insurance coverage equal to 1.5 times salary in addition to the State Basic Life Insurance coverge of $25,000.
Additional information regarding the FGCU Life Insurance program will be provided as it becomes available.
Long Term Care Plan
We are pleased to announce that beginning this Fall, FGCU will offer Long-Term Care insurance through John Hancock Life Insurance Company, administered by the Gabor Agency, Inc. A special Open Enrollment period will be held from September 13, 2010 through December 9, 2010.
Long Term Care coverage provides benefits to help you and your family manage the cost of long-term care services that may be needed when you can no longer perform normal activities of daily living that healthy, fully-functioning people do on their own. It can help you stay independent for as long as possible, enabling you to receive care in the location that you choose. Another great feature of this benefit is that it is available at discounted premiums to your eligible family members as well.
Faculty & Staff will receive information from the Gabor Agency during this period via campus mail and may attend any of the four information sessions listed below. Please email firstname.lastname@example.org to reserve a seat.
Information Session Dates:
Wednesday, September 15, 2010
Location: Student Union, 213
Thursday, October 21, 2010
Location: Student Union, 213
Wednesday, November 17, 2010
Location: Student Union, 213
Thursday, December 2, 2010
Location: Student Union, 214
If you have any questions concerning Long-Term Care insurance, please contact Gabor Representative, Aaron Cheesman at 850-321-3790 or email@example.com.
Summary of Changes for 2011 Plan Year
In addition to the changes outlined in the June 2010 issue of HR Updates, below are other changes to State sponsored benefits effective January 1, 2011.
New Federal Requirements
Eliminates pre-existing limitations for dependents up to age 19.
Eligible children may be covered to the end of the calendar year in which they turn 26. Eliminates requirement that dependent child be unmarried, a student or living at home and financially dependent.
Eliminates $2 million lifetime maximum benefit on State PPO Plan. (HMO plans do not have lifetime maximums.)
Over-the-counter drugs and medicines will be considered ineligible for reimbursement under the Medical Reimbursement Account unless you have a prescription from your physician.
New State Requirements
Eliminates deductible for preventative mammograms on the State PPO Plan (HMO plans do not have deductibles.)
Requires the use of mail order benefit for maintenance medications (State PPO only.)
Requires limited coverage for smoking cessation drugs.
NEW – myMRA Debit Card
Employees enrolled in a Medical Reimbursement Account will receive a Debit Card to pay for eligible health care expenses such as prescription drugs and copayments for medical, dental or vision services.
Colonial Cancer Insurance
The current Colonial Cancer plans will no longer be offered. Employees currently enrolled in a Colonial Cancer plan may remain enrolled in the old plan, but may not make any changes to the plan.
The new Colonial Cancer plans will be offered on a guaranteed issue basis.
Optional Life Insurance Plan
The current $500,000 maximum benefit has been increased to $1 million.
The maximum tier level has been increased from 5 times salary to 7 times salary.
Any election to 6 or 7 times salary will require medical underwriting.
Any tier change (1 - 7) that results in a policy value greater than $500,000 will require medical underwriting.
Employees who are not currently enrolled in optional life insurance will be able to enroll in 1 times salary tier during the Open Enrollment period without being subject to medical underwriting. Employees who apply to enroll in a multiple greater than one will receive guaranteed issue for tier 1 and will have to clear medical underwriting for the additional requested coverage.
Employees currently enrolled in optional life insurance that wish to increase their coverage by more than 1 tier, will receive guaranteed issue for one additional tier but will have to clear medical underwriting for the additional requested coverage.
The following dental plans will have a premium increase effective January 1, 2011. Please review your Open Enrollment materials carefully for changes in premium information.
- Ameritas Indemnity Dental
- Assurant Freedom Advance Indemnity Dental
- CompBenefits Network Plan PrepaidDental
- CompBenefits Preferred Plus Indemnity Dental
- Alta Hospitalization Plan
Vendor Name Change
Philadelphia America Life Insurance Company (PALIC) will now be known as “New Era”, an affiliate of PALIC.
New Program Requirements Lead to Upcoming Audits
Per SB 2374, the State is required to conduct an eligibility audit of all dependents covered under a State sponsored plan.
Pursuant to Section III of Medicare, Medicaid and SCHIP Extension Act of 2007, social security numbers, or the federal tax ID equivalent for legal immigrants, must be accurate for all covered health plan members.
Additional information regarding how these upcoming audits may impact employees will be provided as more information becomes available.