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World Changers Church International
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YOUR BENEFITS
2016 Benefits Enrollment - What’s New
and Changing?
If you choose not to CHANGE your benefits this Annual
Benefits Enrollment period, you will continue in your
existing medical and vision benefit elections with NO
interruption of coverage. However, you will need to review
your other benefit options such as dental and voluntary
benefits because we are changing insurance carriers for
the 2016 plan year.
Medical
WCCI received a rate increase from Kaiser for 2016
which includes fees for Health Care Reform. WCCI’s
medical rates will be increasing starting February 1, 2016.
You will continue to have three medical plan options to
choose from: high HMO, low HMO and Multi-Choice.
Make sure you choose the right medical plan option for
your needs:
• The High HMO option only pays benefits when you visit
a Kaiser in-network physician or facility and you must
designate a Primary Care Physician (PCP)
• The Low HMO is similar to the HMO option but has
higher deductible and out of pocket maximums but lower
office visit copays
• The Multi-Choice option provides more flexibility. You
have the option to access benefits from three tiers of
providers: Kaiser network, PHCS network and any out-
of-network provider but the out of pocket costs varies
between the three tiers
A Gap Medical Plan through Assurant and AFLAC will
continue for 2016 with no change in premiums.
Dental
The Guardian has been chosen to be our dental provider
in 2016. There is a slight increase in premiums, but the
benefits no longer include a Missing Tooth Exclusion and
has improved network providers. If you were not previously
enrolled in the dental plan, you can enroll this year without
any waiting periods.
Vision
The vision plan will be offered through EyeMed. Private
practitioners will still be covered, but now you will have
benefits at major retail chains to include Pearl Vision,
LensCrafters, Target Optical and other regional retail
chains.
Basic Life/AD&D, Voluntary Life/
AD&D, Long Term Disability, Short Term
Disability, EAP, Travel Assistance and
Identity Theft
These plans will now be offered through Aetna Healthcare.
If you wish to increase your voluntary Life/AD&D benefit
amounts above the guarantee issue amount of $50,000,
you will be required to answer medical questions with your
application.
AFLAC
AFLAC plans will continue to be offered in 2016.
403(b) Savings Plan
There are no changes to the 403(b) plan. The maximum
contribution amount for 2016 will remain $18,000.
2016 Annual Benefits Enrollment
Checklist – What To Do
Use this checklist to help you make your benefit choices
for the 2016 plan year. The Annual Benefits Enrollment
period is December 29, 2015 through January 7, 2016.
Changes are effective February 1, 2016.
•
Review your 2016 Benefits Enrollment Statement
•
Review the 2016 Annual Benefits Enrollment Guide.
•
Decide what benefits you want to enroll in or change for
2016.
•
Confirm your dependents. Be sure to check your
dependent coverages and remove any ineligible
dependents from your coverages.
•
Questions about your benefit options? Schedule a
meeting with the Human Resources Benefits Team
•
If you wish to enroll in Voluntary Long-Term Disability or
enroll in or increase your Voluntary Life, you must
complete an evidence of insurability form and you must
answer medical questions.