2020 OPEN ENROLLMENT
Welcome to EPC Benefit Resources, Inc. We hope the information you find here will be helpful as you continue in—or want to become enrolled in—the EPC Benefit Plans for the 2020 calendar year. We encourage you to bookmark this page and check back frequently for updates.
NEW FOR 2020: Enhancements to our Life and Disability Insurance offerings.
• Supplemental Life Insurance. Participants covered under our current group Life Insurance benefit through The Hartford can purchase additional coverage of up to $150,000 (in increments of $10,000), as well as coverage for their spouse and dependents.
• Short-Term Disability. Our current Long-Term Disability (LTD) insurance can be augmented with Short-Term Disability insurance, which would pay a percentage of an employee’s salary for up to 90 days (beginning as soon as the 8th day after the date of a disability), after which LTD payments take effect.
These optional coverages are voluntary. Churches can choose to offer them to their staff and have the premiums paid by the church, or by the employee through payroll deductions. Adding the supplemental Life Insurance coverage for an employee, spouse, or dependent(s) will not require a physical exam or any medical screening questions if the coverage is added during Open Enrollment. For more information, click the Supplemental Life, AD&D, and Short-Term Disability Coverage quicklink below.
The 2020 Open Enrollment period for our Plans begins November 1, 2019, and ends November 30, 2019. The elections made during this annual open enrollment period become effective on January 1, 2020. Please work with your staff for a timely submission of benefit selections for 2020, as this is the only window where employees can make changes to their benefit selections, unless they experience a qualifying life event at another time during the program year. Please refer to the Medical Plan document for information on qualifying life event changes.
If there are no changes to your staff plan coverage selections for 2020, no action is required.
For enrolling new employees, or to make changes to your employees’ plan selections, follow the instructions below.
Church administrators can enroll and manage employee benefit coverage options through the EPC Benefits Portal. Administrators should contact the EPC Admin office at 877-578-8707 or EPC@cdsadmin.com to set up their user ID and password and for additional information. The EPC Benefits Portal is used to enroll and make changes to the plan options for eligible employees in the:
• Medical Plans.
• Dental Plans.
• Vision Plan.
• Life/AD&D/Long-Term Disability (LTD) Bundled Benefit Plan.
If your church does not have computer access (or you prefer to fill out paper forms), use these forms:
Benefit Plans Enrollment and/or Change Form
Participants should use this form to enroll or make changes to their coverage.
The Hartford Life/Disability Beneficiary Designation Form
This form must be submitted to the Admin Office for employees who enroll in the Life/Disability bundled benefit.
Church Benefit Election Form
This form must be completed by churches enrolling in EPC Benefits for the first time, or that are changing their employee offerings for 2020.
These forms are fillable PDF documents. You must download to your computer (when the document opens in your browser, right-click and “Save As” to your computer) and fill them out in Adobe Acrobat or the information will not be saved. When complete and signed, scan and email these two paper forms to the EPC Administration Office at EPC@cdsadmin.com; fax to 412-224-4465, or mail to:
EPC Administration Office
60 Boulevard of the Allies, 5th Floor
Pittsburgh, PA 15222
This Open Enrollment period is for our insurance benefits only. Enrollment and changes to the Retirement Plan investment selections can be made at any time. For information on how to enroll in the EPC Retirement Plan, see the 403(b)(9) Retirement Plan section below.
The 2020 Benefits Guide provides a high-level overview of the plans, including eligibility requirements, five medical plan options, two dental options, vision benefits, life and disability benefits, retirement plan, telephonic medical care, and more.
2020 Benefits Guide
2020 PREMIUM RATES CALCULATOR
The monthly premium rates for the 2020 Medical, Dental, Vision, Life and AD&D, and Long-Term Disability (LTD) plans are available at www.epc.org/benefits/2020premiumrates. This online calculator is a great tool for budgeting and for choosing a plan that fits within your budget.
Also included are premium rates for our Missionary Gold Plan.
2020 MEDICAL PLAN
All of our medical plan benefit levels remain unchanged for 2020, with the exception of $5 reductions to Teledoc and Retail Clinic co-pays, and a co-pay increase to $175 for Emergency Room visits for all our PPO plans. The ER co-pay remains below national averages.
Benefit Resources, Inc., provides medical insurance coverage through Highmark Blue Cross Blue Shield. EPC Medical Plan participants have access to more than 96 percent of hospitals and 95 percent of doctors and specialists nationwide contracted through the Blue Cross Network. We offer three PPO plans and two high-deductible medical plan options for you to choose from. When you enroll in the Medical Plan, you will also be enrolled in the Prescription Drug Plan.
The handy side-by-side comparison chart available below shows the deductibles, co-pays, out-of-pocket limits, and other costs for each of the Medical and Prescription Drug plans (Bronze HDHP, Silver, Gold, Gold HDHP, and Platinum), including the differences between in-network and out-of-network providers.
Side-by-Side Comparison Chart
For more information on coverage levels, see the Summary of Benefits documents below.
Summary of Benefits
Summary of Benefits
Summary of Benefits
Summary of Benefits
Summary of Benefits
2020 PRESCRIPTION DRUG PLAN
The BRI Prescription Drug Plan is administered by Express Scripts.
Prescriptions dispensed for acute care (short-term) medications and initial fills of maintenance (long-term) medications may be obtained through any retail pharmacy for up to a 30-day supply. Short-term drugs include antibiotics and other medications that you take for short periods of time. Long-term drugs, also called maintenance medications, are those you take on an ongoing basis, such as drugs that treat high blood pressure, cholesterol or chronic diseases. Maintenance medications are only available under the Smart90 program.
For those using Specialty Medications that require focused care and monitoring to maximize effectiveness of treatment, BRI has contracted with Accredo, an Express Scripts specialty pharmacy with more than 25 years of experience in the field. Accredo provides comprehensive local clinical services and 24/7 personalized support and education to patients navigating complex health issues through pharmaceutical therapy.
For more information, see Appendix 8 (page 108) of the Medical/Prescription Drug Plan Document below.
2020 DENTAL PLAN
BRI offers two dental plans through Delta Dental, and rates for both the Low Plan and High Plan are reduced from 2019 levels.
The Low Plan provides a lower benefit level for a lower monthly premium. The High Plan provides more comprehensive coverage with a higher annual maximum benefit. Participants can visit any licensed dentist, but using a Delta Dental PPO provider will result in the greatest out-of-pocket savings.
Delta Dental’s coverage includes:
• Access to one of the largest networks of dentists nationwide, with more than 150,000 practicing dentists and 330,000 locations.
• No-cost for preventive care.
• Low Plan annual maximum of $500 (the total amount per person the plan will pay toward the cost of dental care each year).
• High Plan annual maximum of $1,500 (the total amount per person the plan will pay toward the cost of dental care each year).
• SmileWay, which provides enhanced coverage for participants who have been diagnosed with diabetes, heart disease, HIV/AIDS, rheumatoid arthritis, or stroke. Opting into this program provides added benefits of 100% coverage for periodontal scaling, prophylaxis, or periodontal maintenance procedures. To learn more, see www.deltadentalins.com/individuals/guidance/smileway-wellness-benefits.html
Note that unless a current participant drops their Dental coverage during Open Enrollment, those who are enrolled in the EPC dental plan in 2019 will automatically be enrolled in the dental plan for 2020. New Delta Dental ID cards will be distributed in December, and also will be available to print online.
For more information on the two dental plans, please see the Coverage Comparison Table below.
2020 VISION PLAN
BRI offers a Vision Plan through the EyeMed network of providers. The vision plan covers an exam and lenses every 12 months, and covers eyeglass frames every 24 months.
For the greatest benefits, visit a doctor in the EyeMed network—you can search for a doctor online at www.eyemedvisioncare.com. EyeMed has several networks, so be sure to select the EyeMed “Access” network when searching.
For more information on the Vision Plan benefit, see the Vision Plan Highlights below.
2020 BASIC LIFE, AD&D, AND LONG-TERM DISABILITY INSURANCE
BRI offers Life, Accidental Death & Dismemberment (AD&D), and Long-Term Disability (LTD) insurance through The Hartford. Rates and coverages are unchanged from 2019.
Life insurance coverage offers eligible employees a $50,000 Term Life Insurance policy (decreases after the age of 65). Should your death be due to an accident, your beneficiaries would receive an additional AD&D benefit equal to the amount of the life insurance benefit.
LTD insurance provides partial income replacement should you become disabled and unable to work. If you experience a disability that lasts 90 days or more, the LTD plan will replace 60% of your monthly pre-disability salary up to the plan maximum.
For more information on Life, AD&D, and LTD insurance through The Hartford, please refer to the documents below. Please note that the LTD Plans are different for individuals who are Full-Time Salaried, Management Staff, Ordained Staff, and Full-Time Salaried earning more than $80,000 annually.
BASIC LIFE AND AD&D PLAN BENEFITS
LTD PLAN BENEFITS
SUPPLEMENTAL LIFE, AD&D, AND SHORT-TERM DISABILITY INSURANCE
New for 2020! Elective Supplemental Life/AD&D and Short-Term Disability Benefits.
These supplemental coverage options are available only to employees who are currently enrolled—or will be enrolled—in the EPC’s Life/AD&D/LTD Insurance bundled benefit in 2020.
SUPPLEMENTAL LIFE/AD&D INSURANCE
Employees may elect to supplement their basic Life and Accidental Death & Dismemberment (AD&D) coverage with additional coverage through The Hartford. Employees may purchase—and are guaranteed to receive—Life and AD&D insurance coverage of up to five times their annual earnings, to a maximum of $150,000 coverage. Those enrolling during Open Enrollment and newly eligible employees will not need to undergo a medical exam or submit evidence of insurability to receive this coverage.
In addition to acquiring their own supplemental Life/AD&D coverage, our new benefit allows employees to purchase coverage for their spouse and dependent(s) under our group rates. As with the employee coverage, a medical exam and evidence of insurability will not be required if enrollment takes place during Open Enrollment, or if a new employee is enrolling for the first time.
Benefit reductions start at age 65; consult the Plan Highlights documents below for more information.
|Supplmental Life and AD&D Amounts||
Employee: A maximum of $150,000 or 5x earnings, in increments of $10,000
Spouse: Up to 50% of the employee’s voluntary life amount in increments of $5,000 (to a maximum of $75,000)
SHORT-TERM DISABILITY INSURANCE
Should you become disabled due to accident or illness, disability insurance is designed to pay a portion of your salary during the time you are unable to work. Long-Term Disability (LTD) insurance does not begin paying benefits until 90 days after you become disabled, so for 2020 we are making Short-Term Disability insurance (DisabilityFLEX) available. This coverage is designed to provide supplemental income to you as soon a one week after you become disabled and will contine until LTD payment commence. It provides:
• A percentage of your income every week, depending on how much protection you have.
• Help to pay the bills without relying on loans or financial support from friends and family.
• Support that you may need to help you get back on your feet and back to work safely.
Should you become disabled, DisabilityFLEX provides 60% of your pre-disability salary, up to $1,000 per week. Short-Term Disability benefits are available on the 8th day or 15th day after your date of disability. Benefit reductions start at age 65; consult the Plan Highlights documents for more information.
|Benefit Amount||60% of weekly pre-disability earnings|
|Maximum Benefit||$1,000 per week|
|Benefit Commences||8th day or 15th day after disability occurs|
|Benefit Duration||13 weeks|
HEARING AID DISCOUNT PROGRAM
Participants enrolled in the EPC Benefit Plans—including the Retirement Plan—can take advantage of the Amplifon hearing aid discount program. This program provides discounted hearing aids through more than 5,000 audiologists throughout the country. There are other benefits provided when working through this network.
This benefit is available to EPC employees working 20 hours or more per week.
Click here for more information.
VOLUNTARY LIFE, ACCIDENT, AND SHORT-TERM DISABILITY
The EPC has negotiated with Colonial Life to make Life, Accident, Critical Illness, and Short-Term Disability Insurances available to EPC employees who are not participating in the Life and Disability benefits available through The Hartford. Full and part-time employees working only 20 or more hours per week are eligible, even if not enrolled in any EPC Medical or other benefit plan.
These are great coverages for those working part-time, or not eligible to receive the EPC’s regular Life and Disability Insurance benefits. These policies are issued directly to the employee by Colonial Life, so staff members may pursue enrollment at any time and are not restricted to Open Enrollment time limitations.
For more information on coverages offered and rates, see the Colonial Life Voluntary Insurance Options fliers below, or contact Mellissa Koll at 970-262-0282 or Melissa.Koll@Coloniallifesales.com
Term Life Insurance
Disability Income Insurance
403(b)(9) RETIREMENT PLAN
The BRI 403(b)(9) Retirement Plan offers you an opportunity to save for retirement with both pre-tax and post-tax dollars. The Plan is managed by Fidelity Investments and offers more than 22 mutual fund investment options in the standard lineup. Additionally, Fidelity BrokerageLink® provides plan participants with the opportunity to select from thousands of mutual funds and other investment options beyond the standard lineup, such as stocks, Exchange-Traded Products (ETPs), CDs, and more.
Your church may contribute to your 403(b)(9) account to help your savings grow. Employer contributions are deposited to your traditional pretax 403(b)(9) plan. Any amount the church contributes to your account is fully vested and yours to keep. Individuals age 50 and older also may make additional “catch up” contributions. Check with your church administrator for more information.
The BRI 403(b)(9) retirement plan ID number is 89560.
Note that enrollment in the 403(b)(9) Retirement Plan—and changes to investment allocations—can occur any time, and is not limited to the Open Enrollment period.
For more information, to access your investment information, to check transactions, or to enroll, call 1-800-343-0860 or log on to your account at www.netbenefits.com/epc.
CHURCH BENEFIT ADMINISTRATOR HANDBOOK
Church administrators should refer to the Benefit Administrator Handbook for information on the benefits’ enrollment and modification process for your church offerings.
For information on completing your employees’ enrollments and changes online for 2020, contact our EPC Benefits Administration Office at 877-578-8707.
Information provided in this web site does not constitute legally binding advice. EPC benefits are subject to the provisions of the Medical Plan and Retirement Plan documents available on this web site or in print from EPC Benefit Resources, Inc. (BRI), 5850 T.G. Lee Blvd., Suite 510, Orlando FL 32822. For more information, contact BRI at email@example.com or 407-930-4492 (voice and fax).