2019 Benefits Overview
WHO IS ELIGIBLE?
Full-time employees (30 or more hours per week) are eligible to participate with their eligible family
members in the benefits offered by Leiters.
- Spouse or Domestic Partner
- Dependent Children
- Adult Children up to age 26
WHEN DO I ENROLL?
Full-time employees are eligible to enroll with coverage effective the1st of the month following the date of full-time employment. Human Resources will provide instructions as to the enrollment procedure. If you do not enroll yourself and/or your eligible dependents during your initial eligibility period, you will have to wait until the next open enrollment to enroll -- unless you and/or your eligible dependents experience a “qualifying event,” for example, loss of other coverage.
HOW DO I ENROLL?
Human Resources will provide you with instruction on how to Enroll through this website. Please keep in mind that it is not necessary for you and/or your dependents to participate in all benefit plans offered. You will be given the opportunity to choose whether or not to participate in each plan for yourself and your eligible dependents. Also, please note that you must enroll yourself and your eligible dependents within a designated time frame that will be provided by Human Resources.
CHANGES IN STATUS
If you or your eligible dependents experience a “qualifying event” (birth, death, marriage, divorce, loss of coverage, etc.), please contact Human Resources immediately so that any required/requested changes can be made within 30 days of the occurrence.
Medical Plans
Leiters offers you a choice of seven (7) medical plans. The following charts show what you would pay for selected benefit features on the 7 plans offered. You will see that the $20 Kaiser Co-Pay HMO plan benefits have not changed, the Kaiser Gold HMO has minor changes (e.g. office co-pay change from $25 to $30, etc.), and the United Healthcare HMO and PPO plans, as well as the Colorado Kaiser HMO, have changes for 2019 that are reflected in the charts. For more complete descriptions (including out-of-network benefits), please refer to the Summaries of Plan Benefits.
Please note: PPO plans are available inside and outside California. HMO plans (with the exception of the Colorado Kaiser plan) are available to California residents only. The Kaiser Colorado plan is available to residents of select Colorado counties only.
PPO PLANS (CALIFORNIA ONLY)
Benefit Features
Anthem
Kaiser $20 Copay HMO
UnitedHealthcare Silver 2250 HMO
PPO PLANS (ALL STATES)
Benefit Features
UnitedHealthcare
Platinum PPO $250 Deductible
UnitedHealthcare
Gold PPO $750 Deductible
UnitedHealthcare Silver PPO $1,500 Deductible
COLORADO HMO PLAN (COLORADO RESIDENTS ONLY)
Benefit Features
Kaiser Colorado Platinum 0/20 HMO
YOUR 2019 MEDICAL PLAN MONTHLY PREMIUM CONTRIBUTIONS
Dental Plan
Group Dental insurance is provided for you and your dependents by Principal Employee Benefits. With the Principal dental plan, you are free to use the dentist of your choice. However, if you choose a dentist within Principal's network you may save money. To find a dentist in your area, please visit Principal. Costs of services rendered by out-of-network dentists are based on Usual, Customary, and Reasonable (UCR) limits. For a more complete description of coverage please refer to the Summary of Plan Benefits.
YOUR 2019 DENTAL PLAN MONTHLY PREMIUM CONTRIBUTIONS
You will pay $12.54 per month for Employee Only Coverage, deducted from payroll every 2 weeks on a pre-tax basis. Leiters contributes to the dependent cost which is factored into the following rates:
Employee Only
Employee + 1 Dependent
Employee + 2 or more Dependents
$12.54
$56.40
$100.09
Vision Care
Leiters provides you with vision care through VSP. Please refer to the Summary of Plan Benefits for a more complete description of coverage.
YOUR 2019 VISION PLAN MONTHLY PREMIUM CONTRIBUTIONS
You will pay $1.57 per month for Employee Only Coverage, deducted from payroll every 2 weeks on a pre-tax basis. Leiters contributes to the dependent cost, which is factored into the following rates:
Employee
Employee + Spouse
Employee + Child(ren)
Family
$1.57
$4.39
$4.55
$9.33
Life Insurance / AD&D
Leiters provides eligible employees group life insurance which is paid 100% by Leiter's up to the amounts shown on the chart below.
Please note benefit age reduction: 35% reduction at age 70 and an additional 20% reduction at age 75.
Increase Your Life Insurance Protection: You can increase the amount of your life insurance protection through Principal with their Voluntary Term Life Benefit. You may access a complete description of the Principal Voluntary Term Life Benefit here. For rates, click here for employee only and here for dependent rates.
Voluntary Long Term Disability
Leiters provides employees the opportunity to secure long term disability coverage that, in the event you become disabled, will cover 60% of your pre-disability earnings up to $10,000 per month. There is a 90-day elimination (waiting) period before LTD benefits start. Please refer here for a complete description of this benefit, and here for costs.
Employee Assistance Program
When you participate in the Voluntary Long Term Disability Program, you will have access to the Magellan Employee Assistance Program (EAP). With an EAP, you and your family will have access to a number of free, confidential resources designed to promote personal well-being. Please refer here for more information on your EAP benefit.
Flexible Spending Account (FSA)
An FSA is a payroll deduction plan that allows you to put aside a portion of your earnings to pay
for HealthCare and/or Dependent care on a pre-tax basis.
You may elect up to $2,700 per year for healthcare and up to $5,000 per year for dependent care. Please refer here for more information. Please refer to a Sample of Eligible Expenses for the HealthCare FSA here.
Legal Service Plan and Identity Theft Plans
By enrolling in and becoming a member of LegalShield, you will be able to access legal counsel and advice from qualified lawyers simply by calling a toll-free number. Please refer here for more information and to subscribe directly to LegalShield.
Contact Information
xxxxx
xxxxx
VSP
Principal
(800) 4xxx
(866) xxx
(800) 877-7195
(800) 986-3343
Questions on Benefit Plans or Changes?
Please contact our broker, Vincent Baxter, at (408) 249-5678 or at lcrx@baxter95128.com.