NMC offers employees Short Term Disability coverage through The Standard. This plan is designed to provide a continuation of benefits to you in the event of either sickness or injury.

ELIGIBILITY

New employees who start work with NMC become eligible for benefits on the first day of the month following date of hire. Full Time, Regular Part Time, and Part Time employees are eligible to enroll.

Current employees who transfer from a non-benefit-eligible position to a benefit-eligible position follow the New Employee guidelines above.

Employment Classification:

Full Time (FT)= 36 to 40 hours per pay week

Regular Part Time (RPT)= 30 to 35.5 hours per pay week

Part Time (PT)= 20 to 29.5 hours per pay week

Regular Per Diem (RPD)= at least 8 hours per pay period

Per Diem (PD)= as needed

Class 1 – Each Active Full Time Employee working 32 hours or more per week and Part Time Employee working 20 hours or more per week, except any person working on a temporary or seasonal basis.

Class 2 – Each Active Full‐Time & Part Time Employee (Leadership, Physician, Nurse Practitioner, Physicians Assistant) working 20 hours or more per week, except any person working on a temporary or seasonal basis.

Voluntary Short-Term Disability Insurance (100% Employee funded)

  • Employees may enroll within their initial eligibility period, during open enrollment, or during a qualifying life event
  • Benefit begins on the 8th day after the occurrence of a qualified disability
  • Benefit is 60% of current base rate of pay, including differentials, to a maximum of $600 per week
  • The maximum benefit period is 12 weeks per eligible disability
  • Partial benefits are available based on the percent of lost basic wages & other circumstances when returning to work after a qualified disability of at least 8 days.
Contact Information

The Standard
800-368-2859

http://www.standard.com

Policy # 170677

Other Forms and Resources:

Late enrollees will not be required to submit evidence of insurability. They will instead be subject to a 60-day benefit waiting period for sickness or pregnancy during their first 12 months in the plan.

My Supplemental Life Benefits

Employees are offered Voluntary Life Insurance and Accidental Death & Dismemberment (AD&D) Program in which employees can obtain additional term life insurance coverage for themselves and their dependents and AD&D coverage for themselves only.

Supplemental life insurance coverage can be elected in conjunction with the Basic Life coverage. If an employee elects life insurance after they are initially eligible, Evidence of Insurability will be required and the coverage will have to be approved. Full Time and Regular Part Time employees are eligible to enroll.

NMC offers employees Voluntary AD&D coverage also through The Standard. This plan is designed to provide coverage due to an accidental death or dismemberment of the insured. If elected the amount may be equal to or be less than the additional/voluntary life amount of the employee.

ELIGIBILITY

New employees who start work with NMC become eligible for benefits on the first day of the month following date of hire.

Current employees who transfer from a non-benefit-eligible position to a benefit-eligible position follow the New Employee guidelines above.

Employment Classification:

Full Time (FT)= 36 to 40 hours per pay week

Regular Part Time (RPT)= 30 to 35.5 hours per pay week

Part Time (PT)= 20 to 29.5 hours per pay week

Regular Per Diem (RPD)= at least 8 hours per pay period

Per Diem (PD)= as needed

Class 1 -Each Active Full-Time or Regular Part Time Employee, except any person working on a temporary or seasonal basis.

Supplemental Life Insurance (100% Employee Funded; age rated premiums)

  • Full Time and Regular Part Time employees may enroll during the initial eligibility waiting period, or during a qualifying life event
  • Employees may elect supplemental coverage in $10,000 increments up to a $500,000 maximum
  • Employees are required to give satisfactory evidence of insurability for supplemental life amounts over $250,000
  • Employees may elect spousal coverage in $10,000 increments up to a $40,000 maximum.
  • Employees may elect child(ren)coverage in $5,000 increments up to a $10,000 maximum
  • Benefits reduce by 35% upon reaching age 70; 50% upon reaching age 75
Other Forms and Resources:
If you need to complete Evidence of Insurability, you can access the link below. Choose Vermont as the state.
Contact Information

The Standard
800-628-8600

http://www.standard.com

My FSA Benefits

Flexible Spending Accounts (FSA) allow employees to set aside money on a pretax basis. 

  • Funds in a medical FSA may be used to reimburse you for expenses related to medical, prescription, dental, vision and limited over the counter expenses.
  • Employees may contribute up to $3,050 into a medical FSA.
  • Funds may be used to pay for eligible expenses incurred by any tax dependent.
  • Funds are available in their entirety on the effective date of the FSA.
  • With the exception of $610, any unused FSA balance is forfeited.

*Employees who choose the HSA Medical Plan and elect to contribute to a Health Savings Account (HSA) may elect a medical FSA, but may only use funds to reimburse dental and vision expenses.  This is considered a Limited Purpose FSA.

  • A Dependent Care Account (DCA) is an FSA that allows employees to put funds away on a pre-tax basis to pay for costs associated with day care and day camp expenses for their children under age 13.
  • DCA funds are available for distribution as they are deposited into the account.
  • Employees may elect up to $5,000 per household ($2,500 if married and filing separately).

Employees will receive an Allegiance Debit Card if they enroll in a Flexible Spending Account, FSA or DCA.

CLAIMS FILING PROCEDURE:

Written notice of the Participant’s or the Dependent’s claims (proof of claims) must be given to the Contract Administrator as soon as is reasonably possible but prior to the end of the Run-out Period, which is ninety (90) days after the end of the Plan Year.  Claims submitted after the Run-out Date will be denied.

Contact Information

Allegiance 

877-424-3570

Mon-Fri: 6:00 am -6:00 pm PST.

www.askallegiance.com/nmc

Forms and Resources:

Visit www.askallegiance.com/nmc and click Benefits for all forms and flyers.

My HSA Benefits

Full Time, Regular Part Time & Part Time employees are eligible to contribute to a Health Savings Account if enrolled in the HSA Medical Plan which is a Qualified High Deductible Health Plan.  All employee’s contributions can be deducted pre-tax & may be changed throughout the year as long as the total contribution does not exceed the Federal Maximums.

NMC will make a dollar for dollar contribution into your HSA in the amount of $20 individual and $40 family per pay period.
*Employees who elect the H.SA Medical Plan and the Health Savings Account may also elect a medical Flexible Spending Account, but funds from the FSA may only be used for dental and vision expenses.  This is considered a Limited Purpose FSA.
Contact Information

Health Equity
866-346-5800
www.healthequity.com

My Critical Illness and Accident Benefits

NMC offers employees Worksite Benefits through Reliance Standard. These plans are designed to provide a continuation of benefits to you in the event of either sickness or accident.

ELIGIBILITY:

Benefits eligible employees working 20 hours or more hours per week, except any person working on a temporary or seasonal basis.

This is a voluntary, employee paid benefit.

Accidental Forms and Resources:
Critical Illness Forms and Resources:
Contact Information

The Standard
866-851-5505

http://www.standard.com

My Pet Insurance Benefits

You may purchase voluntary pet insurance coverage on dogs, cats, and birds. Discounts are given for insuring more than one pet per owner. Premiums can be paid through payroll deductions. Employees opting for this coverage will be required to complete paperwork to provide directly to the insurer. To enroll click on the pet insurance link below.

Eligibility:

Full Time, Flexible Full Time, Regular Part Time or Part Time employees may enroll on the first of the month following one full month of employment. Employees have the ability to enroll with VPI by phone or online anytime throughout the year.
To enroll in Pet Insurance click here to get started.
Contributions:

Voluntary Pet Insurance is 100% employee funded.

Contact Information

Nationwide
(877) 738-7874

To enroll in Pet Insurance click here to get started.

Worldwide, collect 603-328-1966

My ID Theft Protection Benefits

Identity theft is the fastest growing crime in America that negatively impacts both your financial and personal well-being. In addition to the out-of-pocket expenses, 46% of workers who are financially stressed are less productive at work. In addition to worrying about recovering your stolen identity, you now may have to worry about maintaining your job. Only ID Watchdog delivers fully managed resolution services plus $1 million expense reimbursement in addition to ID monitoring others simply don’t. Don’t save pennies a day and risk thousands. Get ID Watchdog today.

ID Watchdog Identify Theft Protection Coverage Includes:

  • Proactive Monitoring of Billions of Data Points
  • Internet Black Market and Hacker Surveillance
  • Credit Monitoring, Reports and Scores
  • Credit Score Simulator and Credit Score Tracker
  • Password Manager
  • Social Network Alerts
  • Registered Sex Offender Reporting and Notifications
  • $1,000,000 Expense Reimbursement Coverage
  • 100% Resolution Guarantee

Identity Theft Facts:

  • An identity is stolen every 2 seconds
  • More than 13.1 million victims were affected in 2015 including more than 500,000 children
  • Average financial losses of more than $9,650
  • Victims spend hundreds of hours restoring their identity
  • 50% of victims have trouble getting loans or credit cards
  • 12% of victims have arrest warrants issued in their names for crimes committed by the identity thief
Contributions:

NMC pays for all benefits eligible employees working 20 hours or more hours per week, except any person working on a temporary or seasonal basis to be enrolled in the Essentials Employee only plan. Employees have the opportunity to buy-up to the Platinum Plus for themselves or add their family to either plan for an additional charge.

Contact Information

ID Watchdog
(800) 970-5182

www.idwatchdog.com/

My Legal Insurance Benefits

Voluntary Legal Insurance

NMC’s Legal Insurance Plan can ease the biggest stresses –  finding and paying for a better lawyer. LegalGUARD is a legal insurance plan underwritten by nationwide® Mutual Insurance that provides support and protection for unexpected personal legal issues.

WHAT YOU GET WITH A LEGALGUARD PLAN:
  • Access to a national network of attorneys with exceptional experience that are
  • matched to  meet your needs
  • In and out-of-network coverage
  • Concierge help navigating common individual or family legal  issues
LET LEGALGUARD HANDLE IT:

You deserve to feel prepared and confident when facing a legal matter. Through a strong partnership, Nationwide and LegalEASE are able to provide LegalGUARD, a robust product that protects you when it matters most.

 

CONCIERGE MATCHING SERVICE:

Let a LegaEase Advocate match you to an attorney that  best fits your needs. For more information on how to open a case, please click on the below flyer.

Contributions:

Voluntary Legal Insurance is 100% employee funded.

Contact Information

LegalEASE

1-800-248-9000

Mon-Fri 8am-8:30pm

www.legaleaseplan.com/nmc

Introducing the Legal Access LegalEASE Method

Why Do you Need Legal Coverage?

The Northwestern Medical Center tuition assistance program is designed to help NMC employees pay back student loan debt and improve their financial well-being.