Human Resources Department
2009 Group Benefits Program
Charlotte County provides all full-time employees with a Group Plan of Life, Health, Dental and Vision benefits. The following is a brief summary of your plan of benefits. Refer to it when you have any questions. You will find a more detailed explanation on health benefits in the Employee Health Benefit Plan handbook. Please call the Insurance/Risk Management Office if you have any questions about your benefits.
BASIC LIFE INSURANCE AND
ACCIDENTAL DEATH AND DISMEMBERMENT PLAN
The County covers all
full-time employees with Life Insurance and Accidental Death and
Dismemberment. All employees under age 65 will have Life
Insurance and Accidental Death and Dismemberment coverage equal
to two times their basic annual salary, rounded to the next
lower $1,000 subject to a maximum benefit of $50,000. Be sure to
keep your beneficiary current at all times. Forms are available
in the Insurance/Risk Management Office if you need to make a
change in your beneficiary.
STATUS
CHANGES
There are
certain circumstances that are referred to as status changes.
When one of these status changes occur, you can add dependents
to your coverage at the time of the change. You would not have
to wait until open enrollment, however all status changes need to be done within 30 days of the event.
Some examples of status changes
are:
A Marriage - a new spouse is eligible for coverage on the date
of marriage.
New baby or an adoption - A newborn is covered from the moment of birth, but you must sign them up within 30 days of birth. An adopted child is eligible for coverage the date the child is placed in an employee's home in anticipation of legal adoption.
Termination of other insurance coverage - If a spouse terminates employment where he/she had health insurance coverage and is without insurance, he/she could be added to your coverage at that time and not wait for open enrollment.
Top of PageEMPLOYEE
ASSISTANCE PROGRAM (EAP)
Effective
1/1/2003 The Employee Assistance Program is a free benefit
available to all employees and members of their immediate
family. It is administered by CIGNA HealthCare who guarantee total confidentiality. You may call them at any
time.
The program is intended for those who wish to avail themselves of outside and objective help in addressing problems affecting their work and personal lives. There is no cost to you for the first three counseling sessions.
Services Include: When a member contacts the EAP for services they are given the options for:
- Telephonic consultation with a trained counselor
- Referral to a licensed provider within their community at no charge for up to 3 visits (per incident/illness)
Work/Live Services
Child Care:
|
Adoption:
|
Parenting & Child Development
|
Adult/Elder
Dependent Assistance:
|
Pet
Care
|
Legal
Resources (Free telephonic consultations and reduced-rate
local referrals, excluding employment law)
|
Financial
Resources
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Life@Work
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Healthy
Rewards
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Additional
On-Line Services
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DENTAL
PLAN
The Dental plan is administered by CIGNA, the following outlines the benefits: View Schedule
NON-OCCUPATIONAL SHORT
TERM DISABILITY PLAN
The Charlotte County Non-Occupational Short Term
Disability Plan is available to all new full time employees at
the time of employment and to all full time employees during the
open enrollment period which is held once a year during the
month of October for a January 1 effective date.
The Short Term Disability Plan is an employee payroll deductible plan which costs .028 per $10.0 of weekly benefit.
Samples:
SHORT TERM DISABILITY - 2009 RATES |
||||||||
| ANNUAL SALARY | Weekly | BENEFIT | Monthly Premium |
|||||
| ( / 52) = | Salary | X 60% | per Week | X.028 | ||||
| $15,000 | $ 288.46 | $173.08 | $4.85 | |||||
| $20,000 | $ 384.62 | $230.77 | $6.46 | |||||
| $25,000 | $ 480.77 | $288.46 | $8.08 | |||||
| $30,000 | $ 576.92 | $346.15 | $9.69 | |||||
| $35,000 | $ 673.08 | $403.85 | $11.31 | |||||
| $40,000 | $ 769.23 | $461.54 | $12.92 | |||||
| $45,000 | $ 865.38 | $519.23 | $14.54 | |||||
| $50,000 | $ 961.54 | $576.92 | $16.15 | |||||
| $55,000 | $1,057.69 | $634.61 | $17.77 | |||||
| $60,000 | $1,153.85 | $692.31 | $19.38 | |||||
| $65,000 | $1,250.00 | $750.00 | $21.00 | |||||
| $70,000 | $1,346.15 | $807.69 | $22.62 | |||||
| $75,000 | $1,442.31 | $865.39 | $24.23 | |||||
| $80,000 | $1,538.46 | $923.08 | $25.85 | |||||
| The maximum weekly benefit is $1,000, so anyone earning
more than $86,666 will be rated as if they only earn $86,666. The maximum monthly premium is $27.99. |
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Employees must
have an authorized Family Medical Leave (FMLA) and eliminate 160
work hours. During the 160-hour elimination period, sick and/or
vacation time may be utilized to compensate the employee's
salary.
When the 160-hour elimination period has been reached, the qualified employee will begin receiving benefit payments, which are mailed directly to their home address on a biweekly basis which will coincide with their normal biweekly pay-periods.
If the employee has additional sick and/or vacation time which exceeds the 160-hour elimination period, he or she may elect to use this time to compensate for the remaining 40% or 24 hours of biweekly pay.
Any payroll deductions, (i.e., medical premiums, STD premium, LTD premiums, etc.), will be the responsibility of the employee if and when he or she has no sick and/or vacation time to supplement their salary.
For additional information or questions pertaining to the Non-Occupational Short Term Disability Plan, please contact the Risk Management Office.
LONG
TERM DISABILITY PLAN
The Charlotte County's Long Term Disability Plan is
administered by Hartford Insurance Company and is available
to all new full time employees who work at least forty (40)
hours a week.
Premiums are determined by calculating an employee's gross monthly salary and then multiplying $.36 x each $100 of monthly salary. Premiums are paid by the employee through payroll deductions on a biweekly basis. The maximum monthly premium is $21.00.
The benefit received by an approved employee is 60% of the employee's gross monthly salary to a maximum of $5,833.00 a month. Benefits may be affected but will never be less than 60% of gross monthly salary combined with any or all of the following:
1. Social Security
Disability
2. Retirement Disability
3. Retirement Benefits
2009 LONG TERM DISABILITY RATES |
||||||
| ANNUAL SALARY |
( / 12) = | Monthly Salary |
X .0036 | Monthly Premium |
BENEFIT per MONTH |
|
| $15,000 | $1,250.00 | $4.50 |
$750.00 | |||
| $20,000 | $1,666.67 | $6.00 |
$1,000.00 | |||
| $25,000 | $2,083.33 | $7.50 |
$1,250.00 | |||
| $30,000 | $2,500.00 | $9.00 |
$1,500.00 | |||
| $35,000 | $2,916.67 | $10.50 |
$1,750.00 | |||
| $40,000 | $3,333.33 | $12.00 |
$2,000.00 | |||
| $45,000 | $3,750.00 | $13.50 |
$2,250.00 | |||
| $50,000 | $4,166.67 | $15.00 |
$2,500.00 | |||
| $55,000 | $4,583.33 | $16.50 |
$2,750.00 | |||
| $60,000 | $5,000.00 | $18.00 |
$3,000.00 | |||
| $65,000 | $5,416.67 | $19.50 |
$3,250.00 | |||
| $70,000 | $5,833.33 | $21.00 |
$3,500.00 | |||
| The maximum monthly benefit is $3,500 so anyone earning more than $70,000 will be rated as if they only earn $70,000. The maximum monthly premium is $21.00. | ||||||
When an employee has been approved for long term disability benefits, that employee is guaranteed to receive no less than $100 a month or 10% of their gross monthly salary, whichever is more.
Benefits are payable as follows:
1. Disabled at 60 years or
less - paid to age 65 but not less than five (5) years
2. Disabled at 60-64 years - payment duration is five (5)
years
3. Disabled at 65-69 years - payment duration to age 70
years but not less than one (1) year
4. Disabled at 70 and older - benefits are paid for one
(1) year.
The Hartford Insurance Company has attached a limitation on disabilities due to Mental Illness of a twenty-four (24) month duration. Also, there is a pre-existing clause of twelve (12) month eligibility from an insured's effective date of coverage.
When an employee is approved for Long Term Disability Benefits, the monthly premium is waived and no longer required unless that employee returns to work at a later date at which time premiums would again resume.
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