docOpen Enrollment for International Expats and Third Country National Staff 2014 www.rti.org
download 
Report Transcription
Open Enrollment for International Expats and Third Country National Staff 2014 www.rti.org
RTI International Open Enrollment for International Expats and Third Country National Staff 2014 RTI International is a trade name of Research Triangle Institute. www.rti.org RTI International Agenda What’s Changing for 2014 Enrolling in Benefits Cigna International Benefits Visit www.rti.org/OpenEnrollment2014 or staffnet.rti.services/benefits/international_2014cfm to learn more about RTI’s benefits. RTI International 2014 Open Enrollment November 4 – November 17 Begins: Monday, November 4 Ends: Sunday, November 17 at midnight US, EST RTI International 2014 Open Enrollment Each year during open enrollment you have an opportunity to enroll in new benefits or change your benefit elections for the new year. During open enrollment, you may change your medical/vision or dental plan options, add or drop dependents, and US Taxpayers can enroll or reenroll in the health care or dependent care Flexible Spending Accounts (FSAs). Benefit elections you make during open enrollment are effective on January 1, 2014, and continue through December 31, 2014. In this presentation, we will review what’s changing for 2014, look at the benefits you may change during open enrollment, and review the steps you will need to take to enroll in benefits. We encourage you to visit the open enrollment section on RTI’s external website at www.rti.org/OpenEnrollment2014 and on StaffNet at http://staffnet.rti.org/services/benefits/international.cfm RTI International What’s Changing in 2014? RTI International Changes in 2014 This year, there will be no changes to employee premiums for active staff members covered under the medical, dental, short-term and long-term disability, and life insurance plans. RTI International Changes for 2014 Effective January 1, 2014, there will be no pre-existing conditions limitations for the medical plan, regardless of the member’s age. During open enrollment, as part of the online enrollment process, we will ask all participants enrolling a spouse under RTI’s benefit plans (whether the spouse is of the same sex or opposite sex) to verify that the individual is the participant’s lawful spouse. For this purpose, a spouse is defined as an individual who is legally recognized as the spouse of a participant under the laws of the state or foreign jurisdiction in which the marriage took place and under the IRS Code. The term “spouse” includes a domestic partner if the domestic partner is legally recognized as the spouse of the participant as described in the previous sentence. RTI International Health Care Flexible Spending Accounts (FSAs) (For US Taxpayers Only) FSAs allows US Taxpayers to set aside a portion of your earnings, pre-tax, into reimbursement accounts. When you request reimbursements for qualified expenses from these accounts, no taxes are applied to the reimbursement payment. So in effect, FSAs allow you to pay for eligible expenses with untaxed dollars. Dependent care FSAs allow you to set aside pre-tax dollars for reimbursement of eligible dependent care expenses (nursery care, after-school programs, and elder care). Use a health care FSA to get reimbursed for qualified medical expenses for your spouse or child. IRS rules stipulate that dependent care FSAs may be used to get reimbursed for qualified dependent care expenses necessary because you (or if you are married, you and your spouse) work. Review the rules carefully and notify us to stop your contributions if your spouse stops working during the year. For 2014, the maximum annual employee contribution for the health care FSA is $2,500 per employee. Annual contribution limits for dependent care FSAs are $5,000. Per IRS regulations, if you don’t use the funds in the FSA accounts, you will lose the funds. Plan carefully! RTI International Health Care Flexible Spending Accounts (FSAs) (For US Taxpayers) Administered by Flores & Associates The medical FSA will remain at $2,500 per employee The dependent care FSA will remain at $5,000 Flores & Associates Contact Information: – (800) 532-3327 Monday through Friday, 8:30AM to 5:00PM Eastern Time – www.flores247.com RTI International RTI Benefits Team Medical/Vision, Dental and Long-Term Disability Carrier – HR Help – – – First point of contact for claims questions Answers enrollment and eligibility questions regarding RTI health and welfare benefit programs 919.541.1200 or 1.800.334.8571, ext. 21200 [email protected] RTI Benefits Team – – Answers all other questions regarding RTI health and welfare benefit programs Advocate for staff in the resolution of issues with the insurance carriers RTI International Claims Questions? Information regarding all RTI benefit plans can be found on StaffNet: www.staffnet.rti.org/services/benefits/international.cfm Take the time to educate yourself by reviewing your benefits information before you begin your claims inquiry. For claims questions, you should contact the carriers first. (A listing of carrier/provider contacts is also posted on StaffNet.) For medical and dental claims questions, get a copy of your Explanation of Benefits (EOB). Then call CIGNA International and ask them to explain why the claim was processed and paid as it was. With the EOB in front of you, you should be able to provide CIGNA with enough information for them to provide a reasonable response. If after your discussion with CIGNA you still feel your claim was not paid correctly, please contact HR Help. HR Help staff will assist with your concern or forward it to the correct Benefits staff. RTI International Resources to Assist You CIGNA International Benefits International Service Center* 1.800.441.2668 Direct Telephone Number……………………………………………….001.302.797.3100 Secure Website……………………………………………………. www.cignaenvoy.com Toll-Free TDD Telephone Number for Hearing Impaired*……………1.800.558.3604 Toll-Free Facsimile Number*…………………………………………….1.800.243.6998 *If dialing international, use your country's AT&T USADirect access number. RTI International Enrolling in Benefits RTI International Enrolling in Benefits Make your elections online After submitting your final elections: – Wait 48 hours (to allow your elections to populate into your open enrollment summary) – Log back into GEMS Self Service and print your open enrollment summary Print a copy of the summary for your records Your elections are effective on January 1, 2014 RTI International Enrolling in Benefits What Happens if I Forget to Enroll? If you forget to make your benefit elections by the November 17, 2014, deadline, your 2013 elections will roll over automatically, with the exception of Flexible Spending Accounts. Because Flexible Spending Accounts require that you enroll each year, you will not have coverage for 2014 unless you enroll. So if you wish to participate in these accounts, you must make a new election during the open enrollment period. The coverage that you elect will remain in place for the entire 2014 calendar year, unless you have a life status change. RTI International Important Things to Remember Enroll in benefits no later than midnight EST on Sunday, November 17, 2013 You can change your elections as often as you like until midnight EST on November 17 Print and review the open enrollment summary for accuracy (available 48 hours after you submit your elections) Keep copies for your records RTI International Reminders Enroll online by 11:59 pm US EST, Sunday, November 17, 2013 If you are enrolling your spouse or domestic partner in medical/vision coverage, you must access GEMS Self Service and certify your spouse’s or domestic partner’s eligibility for other coverage. If your spouse or domestic partner is eligible for coverage under another group health plan, you may enroll him/her; however, a $40 spousal surcharge per month will apply. Any employee who enrolls a spouse/domestic partner and does not complete the dependent certification process will incur the $40 surcharge per month. (For US Taxpayers) Enroll in the dependent care FSA only if you have a qualified dependent child; use the health care FSA for dependent medical expenses RTI International Reminders Irrevocable Elections. The pre-tax benefit elections you make during open enrollment remain in effect for the entire calendar year. You may not change those elections unless you incur an IRS-approved “change-in-status." Prospective Enrollment for Change-in-Status. The IRS only permits employers to allow retroactive coverage changes for “special enrollment rights”—birth, adoption, or placement for adoption. All other requested benefit changes must be prospective; the earliest effective date is the day after your completed election change form is received by HR Help. RTI International Questions? Call HR Help Interoffice mail ext. 21200 (919.541.1200), or 1.800.334.8571, ext. 21200 HR Help Building 1, RTP E-mail External mail [email protected] RTI International Human Resources Help Desk 3040 East Cornwallis Road, Building 1 Research Triangle Park, NC 27709-2194
