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 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.
Class 3 – 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.
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
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
My FSA Benefits
What is a Flexible Spending Account? Flexible Spending Accounts provide you with an important tax advantage that can help you pay healthcare and dependent care expenses on a pre-tax basis.
Annual Maximum & Utilization: The annual maximum amount you may contribute to this FSA is determined by the IRS each calendar year. This program allows employees to use pre-tax dollars for certain IRS-approved expenses. By anticipating your family’s healthcare and dependent care costs for the next year and setting aside money, you can lower your taxable income. Any unused FSA dollars up to the IRS maximum may be rolled over into the following plan year to use for eligible expenses only. Remaining funds in the account above what is allowed to be rolled over per the IRS will be forfeited.
Limited Purpose FSA
Employees who enroll in the HSA Medical Plan and also elect to contribute to a Health Savings Account (HSA) may still elect a medical FSA but will only be able to use funds for dental & vision expenses. This type of FSA is called a Limited Purpose FSA. Any unused FSA dollars up to the IRS maximum may be rolled over into the following plan year to use for eligible expenses. Remaining funds in the account above what is allowed to be rolled over per the IRS will be forfeited.
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.
What is a Dependent Care Account? A Dependent Care flexible spending account allows you to reimburse yourself with pre-tax dollars for daycare expenses for your children under age 13 and other qualified dependents. You can contribute up to $5,000 per year; $2,500 if you and your spouse file your taxes separately.
Eligible Day Care Expenses:
- Childcare/Adult Care by a licensed childcare facility for children under age 13 who qualify as dependents on your federal income tax return
- Childcare/Adult Care for children or adult of any age who are physically or mentally unable to care for themselves and who qualify as dependents
Contact Information
888-678-3457
Homepage | EBPA (wealthcareportal.com)
Employer ID – CBA10886
Employee ID – SSN (no dashes)
Need an additional debit card? Complete the following form:
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.
FSA/HSA Store
Did you know you could use your FSA/HSA to save money on everyday health essentials like baby health items, health trackers, pain relief products and more?
Here are just a few benefits of using the FSA/HSA Store:
- No Receipts Needed
- 2,500+ FSA Eligible Products
- 100% Eligibility Guaranteed
- Skip the claims process when you use your FSA/HSA card
With every Caring Mill purchase, a donation is made to Children’s Health Fund, providing necessary treatments to thousands of children in need, throughout the United States.
Curious what your FSA/HSA dollars can cover? Simply enter the product you are looking for in the eligibility list below.
To access the FSA Store please visit: https://fsastore.com
To access the HSA Store please visit: https://hsastore.com
Additional Information
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
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:
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.
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.
LegalEase Attorney Matching Portal (LAMP):
The LAMP program is on the Legal Corner website (https://legalcorner.legaleaseplan.com/) and allows members to find an attorney by filling out their information online, selecting the type of attorney they’d like to work with and be matched with an attorney without having to call our member services department. The LAMP program can be accessed 24/7!
For more information or instructions on how to use the portal, please click on the button below.
Contributions:
Voluntary Legal Insurance is 100% employee funded.
The Northwestern Medical Center tuition assistance program is designed to help NMC employees pay back student loan debt and improve their financial well-being.