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FAQs

Answers to Frequently Asked Questions About Open Enrollment and Your Benefit Options at Unity Health System

Click on the categories below for answers to commonly asked questions about your benefit options and the enrollment process. If you don’t see your question listed here, or would like to speak with a member of our Benefits team, please call the Benefits Hotline at 368-3211 or email hrbenefits@unityhealth.org

What’s New for 2012
Open Enrollment
Health Insurance
Medical Services Discount
Domestic Partner Benefits
Dental Insurance
EyeMed Voluntary Vision Plan
Flexible Spending Accounts (FSAs)
Life Insurance
Accidental Death and Dismemberment
Short Term Disability
Long Term Disability
PTO Sell
Other Benefits
Medicare Part D Prescription Coverage

What’s New in 2012?
We’re introducing a few enhancements to Benefits in 2012:

  • We’ve increased the amount of our Lifestyle Allowance (previously called a “Wellness Benefit”) and expanded the programs it applies to. You can now apply for reimbursement of up to $250 (under the Unity Basic Health Plan) or $500 (under the Unity Enhanced Health Plan) for a wide range of fitness and nutrition classes, weight management programs, and the purchase of hearing aids and orthotics—in addition to gym memberships, swim and fitness activities for toddlers and older children, Lasik surgery, and teeth whitening. Click here for details.
  • Both the Unity Basic and the Unity Enhanced Health Plans now provide 100% coverage of diabetes medication and supplies, regardless of where you purchase them.
  • We’ve increased the value of the Medical Services Discount for employees covered by the Unity Basic Health Plan and made it easier for everyone to use. You’ll pay even less in deductibles and co-insurance for Unity doctors and services than you have in the past. And you’ll pay the reduced amounts from the start, instead of having to apply for reimbursement. Click here to see the new amounts.
  • Both Unity Basic and Unity Enhanced Dental Plans will now cover children up to age 23, regardless of whether or not they are full-time students. In addition, we’ve raised coverage limits under the Enhanced Plan: both the annual maximum and the orthodontia lifetime limit are now $1,500.
  • This year, we’ve made it even easier to participate in a Medical or Dependent Care Flexible Spending Account (FSA): you’ll be able to pay for eligible expenses using a specially-issued debit card. This will save you from having to pay out-of-pocket, complete claim forms, and wait for reimbursement.
  • You can now enroll in the Legal Services Plan during Open Enrollment, instead of waiting until The Farmington Company’s next voluntary benefits enrollment period. The Legal Services Plan, introduced last spring, provides access to a network of attorneys for help with a range of practical legal matters such as real estate, wills and elder-care. Click here to see what’s covered under the plan.

Open Enrollment

What is Open Enrollment?
Open Enrollment” refers to the two-week period each fall when you can review and make changes to your health care insurance and other benefits for the upcoming calendar year.

I’m happy with my current benefits. Do I need to do participate in Open Enrollment?
We strongly encourage you to review your benefit options each year. There have been a few small changes to pricing and coverage (see above). In addition, you may find that a different option is more appropriate for your personal or family needs.

If you choose not to make any changes to your benefits, most will automatically roll over. If your dental lock-in period ended this year, you will be enrolled in the same dental option you had for 2011 and will begin a new two-enrollment period lock-in. However, even if you choose not to make any changes, each year you must re-enroll in order to participate in two options: PTO Sell and Flexible Spending Accounts

When is Open Enrollment this year?
This year’s Open Enrollment period is from October 20 through November 4, 2011.

Will I receive an Open Enrollment packet this year?
Yes, your department leader will give you a small packet with customized information about your current benefits along with a few other reference documents. The rest of the information you will need is now available online, at http://www.unityhealth.org/OpenEnrollment

How do I make changes to my benefits or enroll in new ones?
To make enrollment easier and more efficient this year, all employees must enroll online. Once you have reviewed the customized benefit information you received from your department leader and reviewed  the information on this Open Enrollment website, Click here to make changes to your benefits or enroll in new ones.

How do I access online enrollment?

It is important that you spend some time reviewing your benefit options in advance. You can do this by clicking here. However, if you are ready to enroll, you can do so by clicking here.

The log in asks for a username and password. I don’t know mine. 
If you’ve never logged into the Benefits Enrollment website (known as “UltiPro”) before, you’ll find a username and temporary password in the packet you received from your department leader. Once you log on, you’ll be prompted to create your own password, which must be 8-15 characters long and include at least 1 upper case letter, 1 lower case letter and 1 number.

If you’ve logged into UltiPro in the past, either during past Benefit Enrollment periods or when using Employee Self-Service, login using the same username and password you used before. If you’ve forgotten them, you’ll find your username in the benefits enrollment materials you received from your department leader. Login with it and then click on the “forgot your password?” link. You’ll be prompted to answer three security questions you set up in the past.

What if my password doesn’t work?
If your password doesn’t work, call the I.T. Helpdesk at 368-3375 and select option three for assistance.

What if I don’t have computer access at work or home? Or if I’m not comfortable using computers and would like some help enrolling?
If you don’t have access to a computer, talk with your department leader. There are also computers available to use 24 hours/day during Open Enrollment at these locations:

  • Unity Hospital: in the old Switchboard Office, first floor by the patient elevators. Staff will be onsite to help you Mondays, Wednesdays, and Fridays, 7:30-10:30 a.m. and Tuesdays and Thursdays, noon-4 p.m.
  • Unity St. Mary’s Campus: in Human Resources 8 a.m.-4:30 p.m. and in the lobby nights and weekends. Staff will be onsite to help you Monday through Friday from 8 a.m.-4:30 p.m.

If you need to make arrangements for assistance at an alternate time, please contact the Benefits Hotline at 368-3211.

How can I confirm the elections I made online?
Click on Compare Current to New in the upper right hand corner of the Choose Benefits page. You’ll see a table of your 2011 and 2012 benefits selections—click on the printer icon on the bottom right corner of the page and then select Print. (Note that 2011 information on this print-out will be incomplete. For complete information about your 2011 benefits coverage, refer to the benefits enrollment packet you received from your department leader. )

You will also receive a confirmation letter with complete 2012 coverage amounts and costs from Human Resources by the end of November.

Will I receive a written confirmation of my benefit elections?
Yes. After Open Enrollment is complete,  Human Resources will mail a written confirmation to your home. It will list the benefits you selected, complete coverage amounts, and costs. Be sure to check your confirmation form carefully—it is your responsibility to make sure your benefit elections are correct. It is especially important to review the benefit coverage selected for each dependent. “Y” below the benefit heading means “yes this dependent will have coverage;” “N” means “no, this dependent will not have coverage.”

Can I change my benefit elections after the Open Enrollment period ends?
No. As of November 5, Open Enrollment will be closed and in most cases you will not be able to make any changes to your benefits until the next Open Enrollment period, in the fall of 2012. (Certain changes in your personal situation or job status may allow you to make changes during the year. Click here for more information on qualifying events.

What if my spouse’s Open Enrollment takes place after Unity’s has ended? Will I be able to make further changes to my benefits?
Yes, a spouse’s Open Enrollment is treated as a qualifying event. Be sure to contact the Benefits team within 30 days of your spouse’s Open Enrollment to make the necessary changes to your benefits.

When will my selected benefits and deductions begin?
Benefit elections will be effective January 1, 2012. Deductions will begin in your January 12 paycheck. It is extremely important that you review your paycheck for accuracy and notify Human Resources immediately with any corrections by calling 368-3139.

I’m not sure what some of the abbreviations on my paycheck refer to. Can you explain them?
Below is a list of payroll deductions you may see on your paycheck, and what they refer to:

Deductions Listed on Paycheck

Description

Social Security Employee

Social Security

Employee Medicare

Medicare

Federal Income Tax

Federal Income Tax

NY State Income Tax

New York State Tax

NY Disability Employee

State Disability Insurance

Basic Health

Unity Basic Health Plan

Enhanced Health

Unity Enhanced Health Plan

DP Subsidy Med

Domestic Partner Subsidy (Medical)

DP Subsidy Dent

Domestic Partner Subsidy (Dental)

Basic Hlth Post

Unity Basic Health Plan for a Domestic Partner (post-tax)

Enhanced Hlth Post

Unity Enhanced Health Plan for a Domestic Partner (post-tax)

Dental Basic

Unity Basic Dental Plan

Dental Enhanced

Unity Enhanced Dental Plan

LTD

Long-Term Disability Insurance

STD BuyUp

Short-Term Disability Buy-Up

FSA Depend Care

Dependent Care Flexible Spending Account

FSA Medical

Medical/Dental FSA

AD&D

Accidental Death and Dismemberment Insurance

Life Additional

Supplemental Employee Life Insurance

Life Spouse

Dependent Life Insurance (for spouse)

Life Child

Dependent Life Insurance (for child)

If I have questions about benefits, where can I get help?
Help is available through the following sources:

  • Review the overview information on this website about each benefit. Click on Benefits in the navigation bar on the left side of these pages, then click on the benefit you’re interested in learning more about.
  • Call the Benefits Hotline at 368-3211, or email hrbenefits@unityhealth.org. A member of the Benefits team will get back to you within 24 hours.
  • Attend Vendor Days. Benefit vendors will be present along with members of the Unity benefits team to answer your questions. Vendor Days are at the following times and locations:

Date

Time

Site

Location

 

 

 

 

Thursday 10/27/11

7:30 am - 3:00 pm

Unity Hospital

Hallway outside Ed Center

 

 

 

 

Friday 10/28/11

9:30 am – 11:00 am

95 Canal Landing   (located in the Canal Ponds Business Park)

Conference Room A

 

12:30 – 2:00 pm

Evelyn Brandon

2nd Floor Conference Room

 

 

 

 

Monday 10/31/11

7:30 am - 3:00 pm

Unity St. Mary’s

Hallways outside cafeteria

 

 

 

 

Tuesday 11/1/11

12:00 - 1:30 pm

Edna Tina Wilson Living Center

Village Square

 

2:30 - 4:30 pm

ACM Medical Lab Elmgrove Road

Cafeteria

Where can I find more information about Unity’s benefits?
This Open Enrollment website should give you a good overview of your benefit options. In addition, most topics on the website include links to documents that include more detailed information.

Health Insurance

What are my health insurance options this year?
In 2012, you continue to have a choice between two health plans—Unity Basic and Unity Enhanced Health Plans. It’s important to review the plans to make sure you’re enrolled in the one that provides you and your family with the best value and coverage.

I’ve heard about another Unity Health Plan that involves Unity doctors. What is this?
This is a common misconception. Unity offers a choice between only two health plans: Unity Basic and Unity Enhanced. The rumor that there is a third health plan probably stems from confusion about the Medical Services Discount, which provides all Unity employees with extra savings when they use Unity doctors or services—regardless of whether they are covered by Unity Basic, Unity Enhanced, or neither. Click here for more information.

What is the difference between the Unity Basic Health Plan and the Unity Enhanced Health Plan?
There are small differences between the plans in pricing for co-pays, etc. In addition, services under the Unity Basic Plan are divided into two categories. Some services, such as physician office visits and emergency room visits, require only a co-pay. Others, such as diagnostic x-rays and outpatient surgery, require you to reach a deductible before the services are covered; after that, you are responsible for paying a percentage of the remaining cost (co-insurance). Under the Unity Enhanced Plan there are no deductibles or co-insurance. You pay a co-pay for nearly all services. (One exception is if you use a doctor or facility that is not part of the BlueCross BlueShield PPO network, but the vast majority of local doctors and services are part of this network.) Note that neither plan is “better” than the other—depending on your circumstances, either plan might provide the best coverage and value for you and your family. Click here for more information about selecting your plan.

Have any changes been made to the health plans this year?
The two Unity Health Plans are primarily the same this year; with some important enhancements:

  • The amount you can receive in reimbursement for certain lifestyle activities and services (formerly called the “wellness benefit”) has increased from $100 to $250 under the Unity Basic Plan and from $300 to $500 under the Unity Enhanced Plan. The range of activities and services it covers has expanded to include an array of fitness and nutrition classes and weight management programs. You can also now use the reimbursement toward the purchase of hearing aids and orthotics. Click here for more information.
  • Both the Unity Basic and the Unity Enhanced Health Plans now provide 100% coverage of diabetes medication and supplies, regardless of where they are purchased.
  • In addition, there have been some enhancements to the Medical Services Discount, which provides discounts for all employees using Unity-employed doctors and services. If you participate in Unity’s Basic Health Plan, you’ll pay even less in deductibles and co-insurance for Unity doctors and services than you have in the past. And you’ll pay the reduced co-insurance costs from the start, instead of having to apply for reimbursement. Click here for more information.

Will my health insurance cost the same?
You will see only a modest increase in bi-weekly premiums—about 5%. Click here for costs and coverage information.

Who can I cover on my health insurance?
You may insure yourself, your legal spouse or domestic partner, children up to age 26 and disabled adult dependent children. Eligible children can include your children by birth, adoption and legal guardianship, stepchildren, foster children, and children of your domestic partners. Special rules apply to enrollment of domestic partners and the children. Click here for more information.

Do I have to submit eligibility documentation for my dependents?
Yes, if you are enrolling them for the first time. Click here for more information. If your dependent is already enrolled, there is no need to submit additional documents.

What happens to my health coverage if I don’t submit my benefit elections?
If you do not submit benefit elections, you will continue to be enrolled in the same health plan you are enrolled in now.

What doctors can I see with Unity’s health plans? 
You can see any doctor you would like, although you’ll save money if you see a doctor who is employed by Unity. The costs for doctor visits and other services that are listed in the Health Plan Comparison Chart refer to doctors and services within the BlueCross BlueShield PPO Network. Almost all doctors and services in our local area  are part of this network, and many others throughout the United States are also part of this network. (If you want to make sure a local doctor is part of the Blue Cross Blue Shield PPO Network, click here. Click on “Upstate New York Provider Network” and choose Excellus BluePPO Network from the drop-down menu.)

You may occasionally want or need to see a doctor that is not part of the BlueCross BlueShield PPO Network, in which case you will pay a higher cost for services. Click here for more information about costs for seeing out-of-network doctors. 

What do ‘in-network’ and ‘out-of-network’ mean?
In-network refers to those providers and facilities that have agreed to be part of the BlueCross BlueShield PPO network—the vast majority of doctors in our local area and many throughout  the United States. Out-of-network refers to those providers and facilities that are not part of the BlueCross BlueShield Blue PPO network. The service costs listed in our Health Plan Comparison Chart refer to in-network doctors and services. You will pay more for services provided by out-of-network doctors and facilities.

I have some old materials that refer to The Unity Network. What is that?
We no longer use the term “Unity Network.” We used to use that term for Unity-employed physicians and services.

What is the difference between a “co-pay,” “co-insurance,” “deductibles” and “premiums?”
Health insurance plans typically require participants to pay for medical services either through co-payments or through co-insurance and deductibles.

A co-payment (or co-pay) is the flat dollar amount you pay at the time you receive a service; for example, the amount you are required to pay when you have an office visit with your primary care physician. A co-pay is a fixed amount, such as $40. Unity’s Enhanced Health Plan primarily requires co-pays for services.

A deductible is the annual amount you must pay out-of-pocket for services before the plan begins to cover a portion of the costs. Co-insurance  refers to the portion of a bill you are asked to pay for services once the deductible has been met. Co-insurance is expressed in terms of percentages, such as 20%. Many services under Unity’s Basic Health Plan require you to first meet a deductible and then pay co-insurance.

Premiums
are the amount deducted from your paycheck to pay for insurance coverage. For more definitions, click here.

I’m unsure of how deductibles and co-insurance work. Can you show me an example?
The following examples show how a deductible and coinsurance work using a Unity facility and a non-Unity facility. The example assumes you are covered under the Unity Basic Health Plan.

 

Care at a Non-Unity Facility

Care at a Unity Facility

Procedure #1: Inpatient Hospitalization

 

$5,100

 

$5,100

Deductible (you pay)

 

$300

 

$200

Balance after deductible

 

$4,800

 

$4,900

Co-insurance (percentage you pay, up to the out-of-pocket maximum)

20%=$960

 

10%=$490

 

Individual out-of-pocket maximum

$900

 

$600

 

Amount you pay in addition to deductible

 

$600

 

$400

Total paid by Unity Health Plan

 

$4,200

 

$4,500

Total paid by you for Procedure #1

 

$900

 

$600

 

 

 

 

 

Procedure #2: Physical Rehabilitation

 

$225

 

$225

Deductible

Has been met

$0

Has been met

$0

Co-insurance

Normally 20%, but you’ve reached out-of-pocket maximum

$0

Normally 10%,  but you’ve reached out-of-pocket maximum

$0

Total Paid by Unity Health Plan

 

$225

 

$225

Total paid by you for Procedure #2

 

$0

 

$0

 

 

 

 

 

Total paid by you for both Procedures

 

$900.00

 

$600.00

Click here for more information about deductibles, co-insurance, and out-of-pocket maximums under the Unity Basic Health Plan.

If I have family coverage, how do the individual and family deductibles work?
If you decide to cover your family under the Unity Basic Health Plan, you will be required to meet a deductible before the plan will contribute to the cost of certain services. The deductible for each individual family member is $300. However, there is also a total family deductible of $900; once this has been met, additional family members are not required to meet an individual deductible. Plus, if you use Unity services, the deductibles are even lower: $200 for each individual and $600 for the family.

I only need to cover myself and one other person in my family. Does the family deductible apply?
The family deductible does not apply to two-person contracts. Each of you must meet your own individual deductible before the Plan will begin paying its portion for services where a deductible applies.

Is there a limit to how much I will have to pay for services if I choose the Unity Basic Health Plan?
Yes, this plan has an annual out-of-pocket maximum of $900 for individuals and $2,700 for families. The amount you pay toward your deductible and any co-insurance you pay count toward this out-of-pocket maximum. Once any individual in your family has reached the individual out-of-pocket maximum, or any combination of individuals in your family have reached the family out-of-pocket maximum, the Plan will pay 100% of all remaining covered services for the rest of the year—except for any required co-pays. You must still pay co-pays, even after you have met your out-of-pocket maximum.

How do I choose the best plan for me?
Having a good understanding of your 2011 medical expenses can help you plan for 2012. Review the expenses you’ve had so far this year to help predict your needs for the coming year. Compare the costs for these services within each plan to the bi-weekly premium you would pay each pay period. The following tools will assist you with this process:

  • Unity Health Plans: A Comparison: a side by side comparison of premiums and many of the services available in our health plans.
  • Choosing a Health Care Plan: walks you through some different examples of how to choose a plan.
  • Excellus Plan brochure: outlines coverage details for the services offered in both health plans.
  • Healthcare Advisor: an online tool that provides information on health conditions and treatment options and compares costs of procedures and medications. (To reach the tool, click on “Get Started Now” and log in or register. You’ll need your insurance ID number to register for the first time.) 

Are there any other options available for health coverage?
If you are unable to afford health insurance through Unity’s plans, you may meet the eligibility requirements for the New York State sponsored health plans, Child or Family Health Plus. For more information, call Unity’s Assisted Enrollment Department at 368-4401.

What’s the relationship between individual and family deductible and individual and family out-of-pocket maximums?
If you enroll in the Unity Basic Health Plan for yourself and at least two other dependents, you’ll each have an individual deductible and a combined family deductible, as well as individual and family out-of-pocket maximums that apply to certain services. Any one individual in your family will begin to receive 80% coverage for these services once he or she meets the individual deductible. However, once the first three covered family members’ combined use of these services meets the family deductible, additional family members will begin to receive 80% coverage for services without meeting their own individual deductibles.

Similarly, when an individual reaches his or her annual out-of-pocket maximum ($900 for non-Unity doctors), services for that individual are covered at 100% for the remainder of the calendar year. Once three individuals in the family have each reached their individual out-of-pocket maximum, the family out-of-pocket maximum will have been reached ($2,700 for non-Unity doctors), and services for all family members will be covered at 100% for the remainder of the calendar year. Remember, out-of-pocket maximums apply to services that require co-insurance and deductibles; they do not apply to services that require co-pays.

Medical Services Discount

What is the Medical Services Discount?
The Medical Services Discount is the discount you and your eligible dependents receive when you use Unity services and Unity-employed doctors—no matter what your health insurance plan.

Who is eligible to get the Medical Services Discount?
Anyone eligible for one of the Unity Health Plans is eligible for the Medical Services Discount, regardless of whether they are actually enrolled in one of the Health Plans. Click here for more information on eligibility.

How can I find out if a doctor is employed by Unity?
Click here for a list of Unity-employed doctors and Unity Health System Services.

How much can I save with the Medical Services Discount?
The Health Plan Comparison Chart shows you costs associated with the two Unity Health Plans and shows you what additional savings you’ll receive by using Unity doctors and services.

Have any changes been made to the Medical Services Discount?
Yes. We’re always working to make the discount easier to understand and use. Beginning in 2012:

  • We’ve changed the way your Medical Services Discount is calculated for deductible-based services under the Unity Basic Health Plan. It’s now quite simple: Unity services that would normally require you to pay a $300 deductible and 20% co-insurance will now require only a $200 deductible and 10% co-insurance.
  • In addition, this enhanced co-insurance for Unity doctors will be factored directly into your bill—no more need to file a claim for reimbursement. If you’re covered by another insurance plan, in many cases you’ll also be able to pay the discounted price upfront, without requesting reimbursement.
     

I see that under the Medical Services Discount, if I’m covered by a Unity Health Plan I can visit a Unity-employed doctor without paying any co-pay at all. How does this work if I get my health insurance elsewhere, and am not covered by a Unity Health Plan?
If you’re covered by any health plan other than one of the two Unity Health Plan and you go to a Unity-employed doctor or use another Unity Health service, the amount you must pay will be reduced by the standard co-pay amount available under the Unity Enhanced Health Plan. In addition, if you’re a full-time or part-time employee you’re eligible for an annual credit of $250-1,000 toward the remaining cost of these services. (The amount of the credit is based on your years of service) For more information, see Getting the Most Out of Your Health Care Benefits

How do I make sure my dependents are able to take advantage of the Medical Services Discount?
If your dependents are not insured by the Unity Health, Dental, or Vision Plan, their names must be on file with Human Resources to receive a Medical Services Discount. You’ll have the opportunity to provide this information during the online Benefits Enrollment process.

Domestic Benefits                                                                                 

Can I cover my domestic partner under Unity’s health and dental plans?
Yes. You can cover a same sex or opposite sex domestic partner, as well as his or her eligible dependents, in Unity’s health, dental, and vision plans. 

How do I enroll my domestic partner in benefits?

If you’ve enrolled your domestic partner before, you can simply enroll him or her through online enrollment as you would any other dependent. The first time you enroll a domestic partner, you’ll need to file an Acknowledgement of Domestic Partnership Information, which explains the rules surrounding domestic partner coverage, as well as an Affidavit of Domestic Partnership demonstrating that you and your partner meet the eligibility criteria. Click here for information and forms.  

What is the eligibility criteria we must meet to file an Affidavit of Domestic Partnership?

The Affidavit of Domestic Partnership states that you and your domestic partner meet the following criteria:

  • You have an exclusive mutual commitment, similar to that of marriage;
  • You are each other’s sole domestic partner and intend to remain so indefinitely;
  • Neither of you are married to anyone nor has either one of you had a different domestic partner within the most recent 12-month period (except where a prior domestic partner died during that 12-month period);
  • You are not related by blood to a degree of closeness which would prohibit legal marriage in New York;
  • You are at least (18) years of age and are legally competent to contract;
  • You currently reside together and have resided together in a common household for at least 12 months
  • You are committed to the physical, emotional, and financial care and support of each other and share with each other the common necessities and tasks of one household and are financially interdependent.

How do I enroll my same-sex spouse in benefits?
You may enroll your spouse through online enrollment; however, as with any other newly added dependent, you must also submit your marriage certificate to Human Resources along with the “Request to Enroll a New Dependent” form. You will only need to submit these documents the first time you enroll your spouse. In addition, you must also review and submit an acknowledgement confirming that you understand the tax treatment of health, dental, and vision premiums paid for your spouse. Even though New York State recognizes same sex marriage, the Federal government still requires the premiums paid for your spouse’s coverage to be deducted from your taxable income. Also, the dollar amount Unity contributes towards your spouse’s coverage must be treated as taxable or “imputed” income. See below for more information. 

I heard benefits for domestic partners and same-sex spouses are treated differently for tax purposes. Can you explain?

The IRS considers the amount Unity pays toward the cost of domestic partner and same-sex spouse benefits to be a taxable part of an employee’s compensation. This means that if you enroll your domestic partner or same-sex spouse in benefits, you’ll be taxed on the amount Unity pays for those benefits. In addition, unlike with other coverage options, the premiums you pay for domestic partner benefits are taken from your pay after taxes. 

What do “DP Subsidy Med” and “DP Subsidy Dent” on my paycheck refer to?

The Domestic Partner Subsidy is the amount Unity pays toward the cost of benefits for your domestic partner. (“DP Subsidy Med” refers to health care benefits; “DP Subsidy Dent” refers to dental benefits.) This amount, considered part of your taxable income, appears on your paycheck both as an earning and as a deduction. This is done simply for tax purposes. The only effect it has on your take home pay is to adjust the amount of your tax withholdings. For a chart of premium and subsidy amounts for Unity Plans, call the Benefits Hotline at 368-3211.

Does the Domestic Partner Subsidy mean I’m paying Unity’s share of the premium for my domestic partner’s health plan, in addition to my part?
No! Unity covers most of the cost of health insurance for your domestic partner, just as it does for you. The difference is, the federal government doesn’t tax you on the amount Unity spends on your health insurance, but it does tax you on the amount Unity spends on your domestic partner’s. The actual tax amount will depend on your tax bracket.

Is my partner eligible for the Medical Service Discount?
Yes, qualified domestic partners are eligible for the Medical Services discount, even if they are not enrolled in a Unity Health Plan, as long as you file an Affidavit of Domestic Partnership with Human Resources. 

If my partner is currently enrolled in Unity’s health coverage, do I need to file an Affidavit of Domestic Partnership?

No. You only have to file the Affidavit once.

Dental Insurance 

What are my dental plan options next year?

You can choose between two options: Unity Basic Dental and Unity Enhanced Dental.

Why do I see only two coverage options for dental options—“employee” and “employee and family”?
The Unity Dental Plans provide you with two coverage options. Choose “employee and family” to include your spouse or domestic partner, one child, more than one child, or any combination.

How do the two dental plans work?
Both plans offer 100% coverage for preventive and diagnostic services—you do not need to pay a deductible before you this coverage begins. You’ll need to pay a small deductible each year before coverage for basic and major restorative procedures (such as fillings and oral surgery) begins; after you have reached the deductible, you’ll pay a percentage of the costs of the service. These deductibles and co-insurance costs vary, depending on the plan.

Are braces (orthodontia) covered under the dental plan?
Orthodontia coverage is in the Enhanced Plan only and provides 50% coverage for children under age 19. For 2012, the lifetime maximum for this benefit has been increased to $1,500 (per child).

I was told I won’t be able to change my dental plan until the year after next. Why is that?
If you changed your plan or enrolled for the first time  this year, you won’t be able to change your plan or cancel enrollment until the end of next year. Unlike with your other benefits, once you enroll in dental coverage you are “locked in” to your choice for two enrollment periods. However, if you elected not to enroll in dental coverage last year, you can enroll this year—there is not a two year “lock-out” period.

How do I know if I am in a lock-in period?
If you are in a lock-in period, the online enrollment page will only show you your current dental plan, with no other option. If you see this, you’ll know you can cannot make changes or cancel your dental insurance until next year’s Open Enrollment.

I’m getting married next spring. Do I still have to wait for next year to elect dental coverage for my spouse?
No. As with most benefits, you can add coverage during the year for yourself and/or your spouse, or cancel coverage if you have a qualifying event, such as marriage. However, even if you experience a qualifying event, you cannot change your own coverage option (i.e., switch plans) in the middle of the two-year lock-in period. 

Why do I have to wait two years to change or cancel my dental coverage?
The lock-in period is a standard precaution used by most employers to ensure employees don’t change dental plans as their dental needs change. Allowing such changes would mean companies couldn’t collect enough in premiums to cover insurance claims. We encourage you to think carefully about your and your family’s potential needs over the next two years, and then choose the best plan you can.

Will the cost of dental insurance go up in 2012?
Yes, premiums are increasing slightly—mainly for those who participate in the Enhanced Plan, for which coverage is increasing.

Who can I cover on my dental insurance?
You may insure yourself, your legal spouse, your domestic partner, and your legal dependents up to age 23. In 2012 coverage includes all children up to age 23, regardless of whether or not they are students. Remember, if you wish to cover any dependents for the first time, you must submit documentation verifying their eligibility along with a New Dependent Enrollment Request form. Click here for information on what documentation is required.

How do I enroll my domestic partner in dental insurance?
Just as with medical insurance, if you have never enrolled your partner in any Unity benefits, you must first file an Affidavit of Domestic Partnership with human resources. (If you have already covered your domestic partner under another Unity benefit, you don’t have to file a new Affidavit.) Then simply enroll your domestic partner using the same online enrollment  process you use to enroll yourself. As with medical coverage, most dental plan premiums are taken from your paycheck before it is taxed, however, the IRS requires premiums for coverage of domestic partners and their children to be taken from your taxable income. You will also need to pay taxes on the amount of money Unity contributes towards the cost of your partner’s coverage. 

How can I find out how much is covered for a specific dental procedure?
It’s best to get an estimate before the procedure is performed. Your dentist can request a “Pre-Determination of Benefits” from Excellus. You will receive a statement detailing the dollar amount the plan will pay.

Where can I find additional coverage information for the dental plans?
Click here for information about the two plans and how they compare.

EyeMed Voluntary Vision Plan

What does the EyeMed Vision Plan cover?
The vision insurance plan provides coverage for eye exams, glasses, and contact lenses for you and your family.

I thought vision coverage was included in my Unity Health Plan.
Both Unity Health Plans do include some coverage for vision-related services. The EyeMed Vision Plan provides you with an option to purchase additional coverage.

Who can I enroll in vision insurance?
You can enroll yourself, your legal spouse or domestic partner, and your children up to age 26.

How can I find out if my eye doctor is a participating provider?
EyeMed has several networks of providers. Unity’s Plan provides in-network coverage for those providers that participate in the EyeMed’s “Insight Network.” Participating providers include several retail chains such as LensCrafters and Pearle Vision, in addition to local private practitioners. Click here for a recent list of participating providers. To view the most up-to-date list of participating providers, visit EyeMed’s website : www.eyemedvisioncare.com. Under “Locate a Provider” select the “Insight” network and type in your zip code. Or call 866-939-3633.

If my provider does not participate in EyeMed’s Insight Network, can I receive out-of-network benefits?
Yes, you may submit your receipts along with an out-of-network claim form to receive reimbursement for a portion of your expense, as the  benefit is lower than coverage for Insight network providers. Click here for a chart of the out-of-network reimbursement amounts.

Flexible Spending Accounts (FSA)

What are Flexible Spending Accounts?
Flexible Spending Accounts (FSAs) allow you to pay for certain health and/or dependent care expenses with money that is not taxed. Depending on your situation, participating in an FSA can save you hundreds of dollars. 

How does an FSA work?
You decide how much you want to set aside for the upcoming year’s health and/or dependent care expenses. A portion of this amount is deducted from each paycheck before your income is taxed and deposited into your FSA.  After you pay for an eligible service, you can request reimbursement from that account. In 2012, you also have the option of paying for eligible services with a special debit card, which withdraws funds directly from your FSA account.

What is the benefit of participating in an FSA?
You save federal, state, and FICA taxes on the money you contribute to your FSA accounts. The following chart illustrates the potential savings from using FSAs to pay for medical and dependent care expenses:

 

Participating in FSA

Not Participating in FSA

Annual salary before taxes

$24,000

$24,000

Contribution to Medical FSA

($1,500)

$0

Contribution to Dependent Care FSA

($4,000)

$0

Taxable Income

$18,500

$24,000

Estimated taxes

($4,625)

($6,000)

Net Bring Home Pay

$13,875

$18,000

Health Care Costs

$1,500 in health care expenses covered by the FSA

($1,500)

Dependent Care Costs

$4,000 in dependent care expenses covered by the FSA.

($4,000)

Available Income

$13,875

$12,500

Total Savings

$1,375

 

The chart above is only an example. To see how you can save from participating in an FSA, gather your anticipated expenses for next year and try the expense calculator: Click here.

What kinds of expenses can I pay for using my FSA?
You can use the Medical FSA to pay for expenses such as health and dental co-pays, deductibles, co-insurance, eyeglasses, hearing aids, and contact lenses. Your bi-weekly health and dental premiums are not reimbursable expenses since they are already taken from your paycheck before taxes.

You can use the Dependent Care FSA to pay for child or elder day care that is needed so you can work. Examples of eligible expenses include  child care at a center, before-and-after school child care,  a regular babysitter who is paying taxes on his or her income, or costs associated with day care for an elderly parent. Living Center or Nursing Home costs are not eligible for reimbursement. For more details about what expenses are eligible to be paid for using your FSA, click here.

Can I submit expenses for over-the-counter (OTC) drugs?
“Over-the-counter” items classified as “drugs and medicine” (e.g. allergy and sinus medicine, cold and flu products, pain relief remedies) are no longer eligible for reimbursement under medical FSAs without a prescription from a physician. Over-the-counter items considered “not drugs and medicine” (e.g. Band-Aids, contact lens solution and first aid supplies) will remain eligible for reimbursement under a medical FSA.

Are expenses incurred by my adult children eligible for reimbursement?
Medical and dental expenses incurred by children up to age 26 are eligible for reimbursement through your medical FSA.

How do I decide how much money to put into an account?
For a medical FSA, think about what expenses you and your family can reasonably expect to have during the year: consider visits to doctors, dentists and specialists, prescription medicines, eyeglasses, etc. Then calculate your out-of-pocket costs for these services (including co-pays, deductibles, and co-insurance) and total the amounts to obtain your annual out-of-pocket expenses. Divide this figure by 26 pay periods to arrive at your bi-weekly contribution amount. 

For a dependent care FSA, think about what your family’s costs will be for covered expenses like child care. Divide this figure by 26 pay periods to arrive at your bi-weekly contribution amount.

But be careful. Although you will have until April 30, 2013 to submit claims for reimbursement, you must have received the services by the end of 2012. According to IRS guidelines, any set-aside money that is not used during 2012 will be forfeited.

Is there a limit to how much money I can put into an FSA?
Yes, the Medical FSA has a maximum contribution of $3,500 per year and the Dependent Care FSA has a maximum contribution of $5,000 per year ($2,500 per parent if you file your taxes separately or each contribute to a Dependent Care FSA). 

How do I collect money from my FSA accounts?

Medical FSA:
You have  two options for paying for services with your Medical FSA funds:

  • Beginning in 2012 you can pay for services using the special debit card you’ll be issued as an FSA participant. The “EBS One Card” will withdraw money directly from your FSA to pay for services. Since this payment process is automated, the IRS requires purchases to be verified as eligible expenses. EBS-RMSCO, Inc. will periodically audit your use of the card to verify that it is being used correctly, so be sure to use your card only for eligible expenses and save your receipts. Click here for further information about how the debit card works. 
  • You still have the option to simply pay for services and submit a claim for reimbursement (with receipts) either by mail or on-line.

Dependent Care FSA: You have two options for paying for care with your Dependent Care FSA funds:

  • Beginning in 2012, you can pay for care using the special debit card you’ll be issued as an FSA participant. The card will withdraw money directly from your FSA to pay for care.
  • Alternatively, you can simply pay for care and submit a claim for reimbursement (with receipts) either by mail or on-line.

    Note: Unlike with the medical FSA, IRS rules governing the dependent care FSA do not allow you to be reimbursed for more than actually exists in your FSA account at any given time. For example, if you have set aside $3,000 for the year in your medical FSA, and you submit a claim for $2,500 in expenses at the end of June, you will be reimbursed the full amount, even though you will have contributed only about $1,500 from your paychecks so far. If you have set aside $3,000 for the year in a dependent care FSA, and you submit a claim for $2,500 in expenses at the end of June, you will be reimbursed only the approximately $1,500 you have contributed so far. You will have to wait for the remaining reimbursement until the money has been set aside in future paychecks.

Why is Automatic Claims Transfer (ACT) no longer available?
We are no longer able to participate in Automatic Claims Transfer (automatic transfer of medical or dental expenses to an FSA for reimbursement) because the debit card and the ACT feature cannot be utilized at the same time.  
 

What if I forget to use my debit card or I just don’t want to use it?
If you forget to use your debit card for a purchase or you prefer not to use it at all, you may still submit a claim form with your receipts to EBS-RMSCO, Inc. for reimbursement. 

What happens if I don’t use all the money I put in my FSA?
The IRS requires any money remaining in your FSA after all your annual expenses are claimed to be forfeited. So while FSAs can save you a lot of money, it is recommended that you estimate your annual expenses conservatively.

If I have any money left over in my medical FSA, can I use it to pay for dependent care?
No. Your medical FSA and dependent care FSA are completely separate. You cannot use funds from your medical account to pay for dependent care expenses, and vice versa—nor can you transfer money from one fund to the other.

Is there a deadline to submit expenses?
For both the Medical and Dependent Care FSAs, you have until April 30, 2013, to submit claims for expenses incurred during the plan year (January 1, 2012 through December 31, 2012).

Can I have my reimbursements deposited directly into my bank account?
Yes. You just need to complete a Direct Deposit Form.

Can I change my FSA deduction at any time?
No. As with all your benefits, you can change your FSA deduction only during Open Enrollment or at the time of certain Qualifying Events. For more information call the Benefits Hotline at 368-3211 or email hrbenefits@unityhealth.org.
It’s also important to note that your FSA elections do not automatically roll-over to the next year. You must enroll in FSAs each year in order to participate.

Life Insurance

Does Unity offer a life insurance benefit?
Unity provides free, basic term life insurance to employees in an amount equal to your annual salary. The minimum amount of coverage is $15,000 and the maximum is $500,000.

Can I borrow against the policy?

No. Term life insurance does not build up a cash value, and you cannot borrow against it. Term insurance pays out to your named beneficiaries should you die while employed with Unity.

I thought I had an option to buy life insurance that had a cash value?
Last spring, Unity introduced some “voluntary benefits” that employees have the option to purchase—including Whole Life Insurance, which does build up a cash value. These benefits continue to be available to you, but they are not part of the annual benefits package. If you missed the opportunity to enroll in the spring, you may apply for coverage at any time by contacting The Farmington Company’s Client Services Center at 800-621-0067. You will be required to provide medical information, which will be reviewed by the insurance carrier (Unum Provident Life) to determine whether or not coverage will be granted. Click here for more information about voluntary benefits.

How is the amount of my free life insurance determined?
Insurance is issued in the amount of your base salary as of October, 2011.

Can I buy more coverage?
Yes. You have the option to purchase additional coverage for yourself in the amounts of 1, 2 or 3 times your salary. You also have the option of purchasing term insurance for your spouse and children. Depending upon your selection, you may be required to complete a Personal Health Application, which will be sent to you automatically from our insurer, The Hartford.

Some life insurance policies have a reduced benefit once you reach a certain age. Is that true of Unity’s life insurance benefit?
Yes. Per the terms of our contract with The Hartford, there is an automatic 50% reduction in the amount of coverage for employees who are 70 years of age or older. 

How are life insurance premiums calculated?
Employee life insurance premiums are calculated based on your age, salary, and the rates we receive from our insurance carrier. Spouse life insurance premiums are also calculated based on your age and the rate we receive from our insurance carrier. Child life insurance premiums are a set rate charged by our carrier.

Are child life insurance levels changing this year?
No, levels of coverage for children remain at $5,000 and $10,000 this year.

Does the premium for child life insurance listed on the customized benefits information cover all of my children?
Yes, one premium covers all your children up to age 19, or up to age 23 if they are full-time students. 

Are there restrictions to purchasing spouse life insurance?
Yes, in New York State employees may not carry more life insurance coverage on their spouse than they have on themselves. For example, if you, yourself are covered for $25,000, you may elect the $15,000 or $25,000 level for your spouse, but not the $50,000 or $100,000 level.

My spouse and I both work full or part-time at Unity. Can we each purchase spouse life insurance?
You and your spouse are both automatically covered by Unity’s Individual Life Insurance plan in an amount equal to your salary. But our contract prohibits employees from being covered by supplemental insurance both as an employee and as a spouse. So if your spouse opts to purchase supplemental life insurance for him or herself, you cannot purchase spouse life insurance. Conversely, if you wish to purchase spouse life insurance, your spouse must elect to waive the option of purchasing supplemental coverage.

What is “Evidence of Insurability”?
Evidence of Insurability refers to the underwriting process our carrier, The Hartford, uses to determine if it can insure you for the coverage you have requested.  If Evidence of Insurability is required, you will be asked to complete a Personal Health Application, a form that assesses your medical status.

What are the circumstances that would require me to complete a Personal Health Application?
The Hartford will require you to submit a Personal Health Application in the cases shown below:

Life Insurance Coverage

Requests that Require Approval

Employee Supplemental Life

 

Increase coverage by more than one level (e.g, going from no coverage to 2x Annual Salary

Request the 3 x Annual Salary option for the first time

Spouse Life

Request coverage for the first time

Request $100,000 option for the first time

Increase coverage by more than one level (e.g., going from $15,000 to $50,000)

Where do I get the Personal Health Application (PHA)?
If your life insurance elections require you to submit a PHA, The Hartford will mail information to your home after Open Enrollment closes. While your application is being reviewed by The Hartford, we will place you in the highest level of insurance permitted without evidence of insurability. Therefore, if the life insurance option you selected requires the completion of a PHA, you will not see the request reflected on your Open Enrollment confirmation form. If your request is approved, we will increase your coverage at that time.

Accidental Death and Dismemberment (AD&D)

What is Accidental Death and Dismemberment Insurance?
AD&D coverage is an optional benefit that provides coverage for accidents that result in death or dismemberment. Full payment is made to your beneficiaries in the event of your accidental death; a portion is payable to you upon accidental dismemberment.

How does AD&D differ from life insurance?
AD&D provides either a benefit to you, if you are involved in an accident that causes dismemberment, or to your beneficiary/beneficiaries should you die as a result of an accident (such as a car accident). Life insurance provides a benefit to your beneficiary or beneficiaries if you die for almost any reason (there is a suicide exclusion in some cases.)

Does an accident have to be work-related to collect from AD&D?
No, injuries or deaths do not have to be a result of work. 

Where do I indicate my AD&D beneficiary?
You indicate beneficiaries for both life insurance and AD&D during online enrollment. Click here.

Can I change my beneficiaries after I elect them?

Yes, you can change beneficiaries at any time throughout the year by contacting the Benefits staff.

Short Term Disability (STD) Insurance

What is Short Term Disability (STD)?
Short-Term Disability Insurance provides you with partial income protection for up to 26 weeks, in the event you are unable to work for medical reasons. All STD insurance begins on the 8th day, after you have been unable to work for seven consecutive calendar days due to a medical condition.

What is the difference between Statutory, Basic and Optional Buy-Up STD Insurance?
All employees, even those not eligible for other benefits (such as per diems) are automatically enrolled in Unity’s Statutory Short Term Disability (STD) Plan. It provides you with 50% of your weekly salary, to a maximum of $170/week. All employees who are eligible for benefits and earn more than $17,680 are also automatically enrolled in the Basic STD Plan. Basic STD provides you with 50% of your salary up to a total maximum of $340/week.

There is no cost to you for the Basic STD Plan and almost no cost to you for the Statutory Plan, as Unity pays for this coverage. However, in accordance with state law, Statutory STD is paid for, in part, by a small tax that is taken from your paycheck—for most employees, this tax amounts to 60 cents per week or $1.20 per paycheck.

All employees also have the option of purchasing additional STD through the Optional Buy-Up Plan. The Buy-Up Plan provides you with a benefit of 60% of your salary, up to a maximum of $750/week.

How do the three plans work together
?

Coverage under the three disability plans is cumulative. In other words, once the disability period begins, you will be paid each week up to the allotted limit under the Statutory STD Plan. If you are eligible for benefits, you will also receive weekly payment under the Basic STD plan—but the total of the two payments will not be more than 50% of your salary and $340/week. Finally, if you have purchased the Optional STD Buy-Up Plan, you will receive a third weekly payment, but the total of all three payments will not exceed 60% of your salary or $750/week.

Short Term Disability Example – Employee with Weekly Gross Salary of $800

Statutory Short-Term Disability Benefit:
50% of weekly salary up to $170

 

Basic Short Term Disability Benefit:
50% of weekly salary up to $340

 

Optional Buy-up
(employee must select and purchase) Benefit:  60% of weekly salary up to $750

 

Weekly Salary $800 x 50%

$400

Weekly Salary $800 x 50% =

$400

Weekly Salary $800 x 60% =

$480

Maximum Statutory STD Benefit

$170

Maximum Basic STD Benefit

$340

 

 

Weekly Statutory STD Benefit

$170

 

 

 

 

 

 

Less Statutory STD Benefit

($170)

 

 

 

 

Weekly Basic STD Benefit

$170

 

 

 

 

 

 

Less (Statutory Plus Basic STD Benefits)

($340)

 

 

 

 

Additional $ from Buy-up

$140

 

 

 

 

Weekly Disability Benefit ($170 +$170 +$140) 

$480

When does the Short Term Disability coverage begin, and how long can I collect it?
Your STD benefit starts after you have been disabled for seven consecutive calendar days with a non-work-related medical condition. Benefits continue up to 26 weeks, should your doctor deem you disabled that long.

I’ve never enrolled in the STD Buy-Up plan. Can I elect it during Open Enrollment?
Yes, but our carrier, The Hartford, requires you to complete a Personal Health Application the first time you choose the Optional STD Buy-Up Plan. Once you make your election online, The Hartford will mail you information about completing a Personal Health Application.

I went to the Benefits Enrollment site and didn’t see the Buy-Up option. Why?
The Buy-up option is not available to employees under two circumstances: if your annual salary is $17,680 or less or if you are a director, physician, or administrator.

If I’m on disability, do I have to use my PTO time?
Yes. Your STD benefit, whether Statutory, Basic or Buy-Up, will be supplemented with hours from your Extended Illness Bank (EIB), if you have one, and then your PTO bank. (Only employees who were hired prior to December 31, 1997 will have an EIB.) The idea is to keep you “whole” in salary for as long as you have a balance available in your EIB/PTO banks. Once these banks are depleted, you will receive disability benefits only. Note that you don’t accrue PTO during any period of disability or leave of absence.

When can I enroll in the Short Term Disability Buy-Up Plan?
You can enroll as a new hire and during Open Enrollment. However, if you elect the benefit at any time other than as a new hire, you will be required to complete a Personal Health Application (PHA). The PHA form asks medical questions that our carrier, The Hartford, uses to determine approval or denial of the coverage.

Long Term Disability (LTD) Insurance

What is LTD Insurance?

LTD insurance provides you with partial income protection if you are disabled longer than the 26 weeks you are covered by STD Insurance. Long-term disability insurance coverage is not automatic. If you enroll in it, you are eligible to begin receiving 50% of your earnings, up to a maximum of $5,000/month, after you have been unable to work for more than 26 weeks.

What is the difference between Short Term Disability (STD) Insurance and LTD Insurance?
In general, STD provides partial pay for up to 26 weeks while you are disabled. After 26 weeks, If you continue to be disabled, LTD insurance provides partial pay—assuming you were enrolled in the optional LTD Insurance Plan at the onset of your disability. LTD Insurance continues to provide partial pay until you are no longer disabled or until you reach normal retirement age. Click here for more information.

I don’t get sick very often. Why would I need to elect LTD Insurance?
In the event something unexpected occurs and you become ill or suffer an injury, it helps to have some source of income. While Unity does provide you with some short-term disability coverage, this coverage ends at 26 weeks. If you are still disabled at this time, you will not have any source of income from your benefits with Unity unless you are enrolled in LTD. Keep in mind that it’s best to obtain LTD insurance coverage while you are relatively healthy, as insurance carriers are much less likely to approve requests for coverage if you are experiencing a serious illness or other medical condition.

Why are LTD premiums taken on a post-tax basis?

Taking these premiums from your income after taxes means you won’t have to pay taxes on LTD benefits, should you need to receive them.

What is the pre-existing condition exclusion for LTD?
The pre-existing condition clause states that if you become disabled within the first 12 months of LTD coverage due to an injury or illness you knew about or had treated in the three months prior to your effective coverage date, you will not be eligible for LTD coverage related to this injury or illness for the first 12 months of long-term disability.

PTO Sell

What is PTO Sell?
PTO Sell is a benefit that allows you to sell your PTO time back to Unity, and have the cash value added to your paychecks during the plan year.

How much can I sell, and how often?
You can only sell PTO time during Open Enrollment. You can sell time in eight hour increments, up to 120 hours, but you must leave at least 40 hours remaining in your PTO bank.

How is the value of my PTO Sell calculated?
The value of your PTO Sell is based on your hourly rate as of October, 2011. The numbers of hours you want to sell is multiplied by your hourly rate, then divided by 26 pay periods, which gives you your bi-weekly earnings amount. The value of your PTO Sell is indicated in the Open Enrollment packet you received from your department leader.

When will I see the PTO Sell in my paycheck? 
The cash value of your sell will be calculated and added to each of your 26 paychecks in 2012. On or about January 1st, your PTO bank will be reduced by the number of hours you sold.

Is my PTO Sell considered taxable income?
Yes, the cash you receive from selling PTO becomes part of your taxable income.

I sold some PTO last year. If I make no changes, will I automatically sell the same amount of PTO this year?
No. You must actively select a PTO Sell each year in order to participate.

What happens to the PTO Sell amount I have elected if I leave Unity?
Your PTO Sell is forfeited if you changed to non-benefited status, or if you leave Unity (except if you leave due to an involuntary reduction in force).

Other Benefits

I remember Unity introducing some other benefits in the middle of last year. Why don’t I see these mentioned in the Open Enrollment information?
Earlier in 2011, Unity introduced three new “voluntary benefits:” a Legal Services plan, a Whole Life Insurance Plan and a Cancer Insurance Plan. You are free to enroll in Whole Life Insurance or Cancer Insurance at any time, so there is no need to include them in the annual Open Enrollment. However, we have added the Legal Services plan as an enrollment option during this Open Enrollment. As with your other benefits, if you choose not to enroll in Legal Services now you will not be able to enroll until the next Open Enrollment period, in the fall of 2012.

What is the Legal Services Plan?
The Legal Services Plan, introduced during 2011, provides access to a network of attorneys for help with a range of practical legal matters such as real estate, wills and elder care. Click here to see what’s covered under the Plan.

I already enrolled in the Legal Services Plan when it was first offered. Do I have to re-enroll now?
If you are already enrolled in the Legal Services Plan and do nothing during this Open Enrollment period, you will remain enrolled. However, if you decline coverage during Open Enrollment, your coverage will be cancelled. To be sure you are still covered under the Legal Services Plan, it is recommended that you select coverage in the Plan during the current enrollment process.

How do I find out more about Whole Life and Cancer Insurance and how do I enroll in them?
Click here for information about these voluntary benefits and how to enroll in them if you haven’t already. Keep in mind that you can enroll in them at any time.

Medicare Part D Prescription Coverage

Do the Medicare Part D prescription plans affect me as a Unity employee?

This legislation only affects employees, or their dependents, that are eligible for Medicare. Consequently, very few people need to respond to Medicare Part D.
If you are eligible for Medicare and you delayed enrolling in Medicare Part D when it was first available to you, it is important for you to know whether your current prescription coverage is considered to be “creditable.”  Click here for more information

Are Unity’s plans “creditable” under Medicare Part D?
Yes, both the Basic Plan and the Enhanced Plan are considered creditable coverage.