2026 AtlantiCare Benefits Booklet

DISABILITY INSURANCE

WELCOME....................................2 WHAT’S NEW..............................3 HOW TO ENROLL......................4 HEALTHCARE TRANSFORMATION CONSORTIUM (HTC)...............6 GETTING TO KNOW YOUR PLAN.................................7 MEDICAL......................................8 PRESCRIPTION DRUG.......... 17 FQHC........................................... 19 ADDITIONAL MEDICAL PLAN RESOURCES................. 20 WELLNESS PROGRAM......... 21 DENTAL...................................... 23 VISION........................................ 25 LIFE INSURANCE.................... 28 DISABILITY............................... 30 VOLUNTARY OFFERINGS... 31 EDUCATIONAL SUPPORT & CAREER DEVELOPMENT...................... 31 FINANCIAL WELL-BEING.... 32 HEALTH &WELLNESS.......... 33 SAVINGS.................................... 34 VOLUNTARY BENEFITS....... 35 SPENDING ACCOUNTS............................... 38 RETIREMENT BENEFITS................................... 39 CONTACTS................................ 41 LEGAL NOTICES....................... 43 WELLNESS CHECKLIST........ 45

Short-TermDisability Benefits Short-TermDisability Benefits-AtlantiCare Private Plan (REPLACES NEW JERSEY STATE DISABILITY BENEFITS)

New Jersey is one of only six states to have a statutory temporary disability program. This program is often called short-term disability benefits (STDB) or temporary disability insurance (TDI). AtlantiCare self-administers an approved private disability plan for its eligible team members. AtlantiCare’s plan replaces the State’s plan for STDB or TDI. This plan provides protection against wage loss due to short-term, non-work-related disabilities. If you are eligible, benefits are calculated using a statutory formula equal to the State plan. The Leave of Absence Unit will assist you with filing a claim for STDB. Teammembers who have been disabled fromwork by a provider for more than seven calendar days must submit an electronic Leave of Absence Request on The Starfish. Teammembers may also email LOA@atlanticare.org or call 1-609-677-7766 for assistance. Long-TermDisability Benefits Long-Term Disability (LTD) protects full-time teammembers (who have been actively employed for at least one year) from lost earnings when illness or injury causes total disability. AtlantiCare teammembers are automatically enrolled in this benefit at no cost after 1 year of full-time service. Teammembers can elect higher coverage with an optional upgrade. LTD begins after you have been disabled for six months. • Included Benefit: You will be paid 50% of your monthly earnings up to a maximum of $2,500 per month >OR< • Optional Upgrade: You can elect the higher option of 66 2/3% of your monthly earnings up to $5,000. You will pay the cost of this higher coverage. If you did not enroll into the optional upgraded coverage at your one-year date of eligibility, Evidence of Insurability (EOI) is required to elect coverage.

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