Optional dental insurance is available to all eligible ETSU employees and their dependents. You do not have to be enrolled in health coverage in order to enroll in optional dental coverage. You must pay 100% of the premium if you elect coverage. Two options are available - a Prepaid Plan and a Preferred Dentist Organization.
The Prepaid Plan provides dental services at predetermined co-payment amounts, which are reduced fees for dental treatments when members receive service from their selected participating general dentist or from any participating specialist. There are no deductibles to meet, no claims to file, no waiting periods for covered members, no annual dollar maximum and pre-existing conditions are covered.
Preferred Provider Organization (PPO)
The PPO Plan offers flexibility in that members may choose any dentist; however, members receive maximum benefits when visiting a PPO network provider. No referrals are required with the PPO option and you or your dentist will file claims for covered services. Some services require waiting periods and limitations and exclusions apply.
You can enroll in dental coverage as a new employee or during the annual enrollment transfer period. Detailed members handbooks may be obtained from The Office of Human Resources and your agency insurance preparer. For more information, visit: http://www.tn.gov/finance/ins/dental.shtml and http://www.assurantemployeebenefits.com/.
For customer service, contact Assurant Benefits at the following numbers:
Prepaid Dental Plan: 1-800-347-3331
Preferred Provider Organization (PPO): 1-800-223-3104
For those employees who elect health coverage, basic term life and special accident coverage is provided at no cost. Also available, on a contributory basis, is optional special accident insurance for employees and dependents (spouse and children) in addition to the basic special accident death coverage. Coverage is available at low group rates; no questions asked.
These programs are available on a contributory basis for all eligible employees and dependents (spouse and children) whether or not they participate in health coverage. For guaranteed-issue coverage, the employee must enroll during the first full month of employment with the state. If optional life coverage is not elected at that time, the employee may only enroll during the annual enrollment transfer period, and upon completion of a supplemental application.
The Optional Universal Life provides a death benefit, level premiums, a cash value account and policy loan provision. The Optional Term Life provides a lower cost pure death benefit product, but the premiums increase with age. Both optional life products offer advance benefit feature, which makes available part of the life insurance proceeds if an insured encounters a terminal illness.
Try to image life without a paycheck. It can happen to even the best employee -- and it does -- to thousands of people a year when a disability strikes. You insure your life, your home, your car and your health. But isn't protecting your salary equally important? Would you be willing to sell your home or car? Use up all your savings? Borrow from your family and friends?
The most inexpensive protection against the financial devastation of disability is clearly group long-term disability insurance. Participation provides a variety of choices for income protection with regular monthly cash benefits, protection for your retirement income, and other services such as Social Security assistance and rehabilitation.
ETSU offers a long-term disability plan to meet your needs. The choice is yours . . . because each person's financial situation during disability and retirement can vary so substantially, you need to evaluate your needs and choose the benefit level that is right for you.
Protection for you and those you love! Protecting your financial future is important. Why risk draining your assets and compromising your freedom? A long-term care insurance plan is a cost-effective way to fund the costly expense of long-term care while also helping to preserve your savings and assets.
If you want to remain independent and not have to burden your loved ones to provide care or finance your care, then consider long-term care insurance. Long-term care insurance provides coverage for home care, nursing facility or assisted living facility and community-based expenses, offering you a full range of long-term care options.
We invite you to view the Program Overview and Outline of Coverage at https://www.medamericaltc.com/groups/group/index.jsp?accessCode=url29zz to learn more details about the State of Tennessee Long-Term Care Insurance Plan.
If you have additional questions, please contact Customer Service at 1-866-615-5824 or visit https://www.medamericaltc.com/groups/group/index.jsp?accessCode=url29zz
ETSU may provide you with medical insurance benefits, but these benefitswill not cover such costs as deductibles, loss of earning power and other out-of-pocket expenses associated with an illness or accident. At the American Family Life Assurance Company of Columbus (AFLAC), the policies pay cash benefits directly to you, unless you choose otherwise. These cash benefits can be used to help fill the gaps in your primary health care plan.
With AFLAC insurance policies, you choose the types of coverage you want and pay for them through the convenience of payroll deduction. And because your premiums can be paid on a pre-tax basis, you may save tax dollars or even be able to add benefits without affecting your take-home pay. Moreover, the AFLAC policies pay benefits regardless of any other insurance you may have.
If you are interested in obtaining AFLAC coverage for you or your family, or are seeking information about AFLAC's policies and services, the office of Human Resources can assist you. Or for more information, visit http://www.aflac.com, or call the local AFLAC office at 423-913-0241.
The Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) is a federal law that allows eligible employees and/or dependents (spouse and children) who are losing their health or dental benefits to continue coverage in certain circumstances where coverage might otherwise end. Qualified beneficiaries may be eligible to continue coverage for a specific length of time following certain qualifying events. Through COBRA, individuals pay the entire monthly premium plus a two percent administrative fee, and may be able to remain insured with their health plan for up to 18, 29, or 36 months.
COBRA coverage is available to qualified beneficiaries. Qualified beneficiaries include an employee, the employee's eligible spouse and dependent children who were covered under the state group insurance program immediately prior to termination. The Division of Insurance will send a COBRA notification letter with an application to an employee's home address automatically within 30 days from the date insurance coverage terminates.
All COBRA benefit questions should be directed to the Division of Insurance Administration at 615-741-3590 or 1-800-253-9981, or to Human Resources at 423-439-6126.
For more information, you may call 615-741-8675 or 1-800-253-9981, or contact Human Resources at 439-6126.
The DEFERRED COMPENSATION PROGRAM offers a number of financial advantages. The program allows you to select from two approved plans: a 457 Plan and a 401(k) Plan, and also provides a variety of investment options. You may obtain prospectuses and fund profile sheets for the available investment options from the program's Internet site at http://www.treasury.state.tn.us/dc.
The Tennessee Board of Regents offers Flexible Spending Accounts (FSAs) to help you save money on your eligible medical and dependent care expenses. A Flexible Spending Account (FSA) is an IRS-approved, tax-free account that saves you money on eligible medical and dependent care expenses. By enrolling in Flexible Spending Accounts, you authorize per-pay-period deposits to your FSA from your before-tax salary. Then, as you incur eligible expenses, you request tax-free withdrawals from your account to reimburse yourself. There are two kinds of FSAs: a Medical Expense FSA and a Dependent Care FSA. If you incur both types of expenses, you can establish both accounts. You never have to pay federal or state income and Social Security taxes on the money you contribute to your FSA. Since you pay less in taxes, you have more spendable income.
If you have questions, call Fringe Benefits Management Company at 1-800-342-8017. You may also email Customer Service at http://www.myfbmc.com.
For more information, call 423-439-6126.