WELCOME
It is time for Open Enrollment. The following pages offer a highlight of National
Community Reinvestment Coalition (NCRC) 2016 benefit programs. We are excited
to announce these programs which will continue to provide you and your family
access to high-quality healthcare and an array of additional benefits. It is important
that you take the time to review all of the plan options available to you. Consider
each benefit and the associated cost carefully and choose the benefits package that
will best meet your and your family’s needs throughout the year.
The benefit plans described in this brochure will be in place October 1, 2016 through September 30, 2017.
NCRC encourages you to take the time to read and understand the full array of
benefits offered so that you may take full advantage of all of these programs.
Inside this issue:
Medical & Rx
Benefits
3
Dental Benefits
5
Vision Benefits
6
Flexible Spending
Accounts
7
Disability
8
Life and AD&D
8
Employee Assistance
Program
8
Travel Assistance
9
Medical Plan
Definitions
9
Compliance Notices
10-
15
Contact Information 16
BENEFITS
PLAN
OVERVIEW
2016-2017
Pre-Tax Benefit Contributions
Some benefit deductions may be made on a pre-tax basis. This means that you do not
pay state, federal, and social security taxes on eligible premiums paid using a payroll de-
duction. Bottom-line, this means more money in your pocket. Your payroll deductions
for medical, vision, dental, flexible spending accounts (FSA), parking, transit and 401(k)
benefits will be made on a pre-tax basis where applicable. Please contact Human Re-
sources if you do not wish to pay your premiums with pre-tax income.