1. Welcome to the NWTF 2019 Open Enrollment

2. In this video you will find:
A review of your benefits for this plan year
Additional resources to guide you through your benefit options
New enhanced benefit options for NWTF
Open Enrollment meeting details
New broker for our benefit plans

3. Open Enrollment
This is the time of year when you can make benefit changes. You can add or drop coverage, add or drop dependents, and make any other necessary changes. You will enroll through the EMS portal on CBIZ . Details are on the open enrollment webpage.
Vision

4. We still have 2 plans available: the base plan and the buy up plan.
Health Plan
We still have 2 plans available:
the base plan and the buy up plan.
Disability

5. Medical
Our health insurance will continue to be with Blue Cross Blue Shield.
We are increasing the deductible on the base plan by $500. Employees will not see a change because NWTF will reimburse this amount. More details on this prior to open enrollment.
On this plan our Health Incentive Account will also increase lowering your total exposure.
The buy up plan will see no changes.
Dental

6. New deduction rates are in the guide on the open enrollment site
Health Tiers
Network
Employee only
Employee + spouse
Employee + child(ren)
Employee + family
New deduction rates are in the guide on the open enrollment site
Nationwide:
Blue Cross Blue Shield
Personal Coverage

7. Dental
Blue Cross of SC will continue to be our carrier for Dental coverage
Dental is bundled with our medical coverage
Savings can vary from 5-25% by choosing an in network provider
Routine check ups do count towards one of two available HIA credits for employee or spouse
Life

8. Basic Life Insurance Sunlife Voluntary Term Life Sunlife
All employees are provided 1.5 times annual salary in life insurance and accidental death and dismemberment
Employees are eligible for up to a $500k or 7 times salary (lessor of). If electing at open enrollment, evidence of insurability is required
Disability Coverage

9. Long Term Disability Sunlife Vision Coverage EyeMed
NWTF provides employees with long term disability. Plan has a 90 day elimination and pays 60% of monthly salary up to 10k.
Employees can purchase coverage that covers exams, materials and contacts. See your guide for more information.
Disability Coverage

10. FLEX SPENDING
Any changes to FSA contributions need to be submitted during open enrollment for plan year 1/1/ /31/2019
The maximum contribution for employees in 2019 is $2,700
Maximum of $5000 for dependent care if filing jointly, $2500 if married and filing separately
Flex spending

11. See sign up details for each webinar on the Open Enrollment website
Benefits Webinar
Where to sign up
When:
November 6th , 2018
9:00 am EST
November 7th , 2018
10:00 am CST
November 8th , 2018
12 noon, PST
Go to Webinar
See sign up details for each webinar on the Open Enrollment website
Disability Coverage

12. Open Enrollment Timeline
Open Enrollment for benefits begins November 1st and ends on November 16th . These elections must be selected through EMS.
Open enrollment elections are to be entered on EMS at CBIZ. If you have any questions on enrollment (directions are on this website) please contact Shirley Mims in Human Resources or Laura Howell at Clarke & Company.
Open Enrollment Timeline

13. New Brokerage Firm
The NWTF has changed our benefits brokerage to Clarke & Company Benefits.
If you have issues with any of your benefits, have questions on how something is covered, or any general issues on benefits, please call Clarke & Company. Their contact info is included at the end of the video
The benefit website has many tools to assist you in understanding your current benefits and choices for this upcoming renewal
Open Enrollment Timeline

14. 2422 Devine St., Suite B, Columbia, SC www.clarkebenefits.com
Columbia: or
2422 Devine St., Suite B, Columbia, SC
Norman Clarke, Client Manager:
Laura Howell, Account Manager:
Alex Williams, Client Services:
Vision