AtlantiCare Benefits Book 2020

Voluntary Offerings

HOME TABL OF CONTENTS WELCOME.................2 WHAT’S NEW. ...........3 SERVICE CENTERS AND EBSITES...................4 HO TO ENROLL.......5 MEDICAL..............6-12 PRESCRIPTION DRUG. ................13-15 ADDITIONAL MEDICAL PLAN RESOURCES.........16-18 DENTAL...............19-21 VISION.....................22 LIFECENTER..............23 LIFE INSURANCE. .....24 LONG TERM DISABILITY...............25 VOLUNTARY OFFERINGS. ........26-29 SPENDING ACCOU TS. ............30 RETIREMENT B NEFITS..................31 WELLNESS. .........32-36 LEGAL NOTICES..37-39 CONTACTS.........40-41 GLOSSARY..........42-43 FAQs...................44-46 FORMS................47-56 WHAT’S NEW SERVICE CENTERS AND WEBSITES HOW TO ENROLL MEDICAL PRESCRIPTION DRUG ADDITIONAL MEDICAL PLAN RESOURCES DENTAL VISION LIFE INSURANCE LONG TERM DISABILITY VOLUNTARY OFFERINGS SPENDING ACCOUNTS RETIREMENT BENEFITS WELLNESS LEGAL NOTICES CONTACTS GLOSSARY

You have access to a variety of voluntary benefits, including: • Accident Insurance* • Critical Illness Insurance* • Group Universal Life Insurance*

Short Term Disability Benefits Short Term Disability Benefits-AtlantiCare Private Plan (REPLACES NEW JERSEY STATE DISABILITY BENEFITS) New Jersey is one of only five states to have a statutory temporary disability program. This program is often referred to as short term disability benefits (STDB) or temporary disability insurance (TDI). AtlantiCare self-administers an approved private disability plan for its eligible employees. AtlantiCare’s plan replaces the State’s plan for STDB or TDI. The purpose of this plan is to provide for 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. Employees who are disabled for more than one week, should submit the Leave of Absence Request Form available from the Leave of Absence Unit using the contact information below:

• Legal Assistance Plan* • Veterinary Insurance* • Discount Shopping*

• NEW for 2020! Identity Theft Protection* • NEW for 2002! Student Loan Refinancing* • Supplemental Individual Short Term Disability* • Short Term Disability benefits • Auto and Homeowners Insurance • Home Buyers Program • Credit Union • 529 College Savings Plan

For each of these benefits, you enroll through AtlantiCare and pay for the coverage through payroll deductions, excluding Veterinary Insurance which is directly paid to the vendor. Allstate Accident Insurance Allstate Group Voluntary Accident Insurance pays a lump sum benefit for accidental on and off-the-job injuries, plus benefits associated with the treatment of the injury. Because accident insurance is supplemental, it pays in addition to other coverage. The coverage pays a benefit up to a specified amount for:

Leave of Absence Unit 2500 English Creek Avenue, Building 600, Suite 606 Egg Harbor Township, NJ 08234

Tel: (609) 677-7766 Fax: (609) 272-6344 LOA@atlanticare.org

• Accidental death • Dismemberment • Dislocation/fracture • Initial hospitalization confinement • Hospitalization confinement • Intensive care

Unum Supplemental Individual Short Term Disability As a supplement to the disability benefits described above, employees have the option to purchase additional disability protection. With this plan, you choose the amount of additional income protection you need, from as little as 10% to as much as 40% of your income (with a minimum benefit of $400 per month and maximum amount of $5,000 per month). Because you pay the premium for this plan with after-tax dollars, any benefit received from this plan is not taxable, which stretches the benefit. During your initial opportunity to enroll, you may elect coverage without having to answer health questions.

• Ambulance service • Medical expenses • And more

FORMS

*Voluntary Benefit Questions? Please contact Corestream, the AtlantiCare Voluntary Benefit vendor at 1-855-799-5400.

26