Benefits for New Hires

New Hire Benefits Informational Sheet

FY25 Employee Benefits Checklist

FY24 Employee Benefits Checklist

Table of Contents:

1. Benefit Deduction Corrections
2. Health
   1. Health Plans
   2. Health Insurance Incentive Waiver (HIIW)
3. Dental
4. Accident
5. Vision
6. Life
7. SMART Plan
8. Flexible Spending Accounts

Benefit Deduction Corrections

If a benefit deduction was missed, we’ll apply corrections to upcoming payroll(s) to make sure the missed amounts are caught up.

• Our benefits (a new policy or a renewal) aren’t approved by the carrier until after coverage has already started.
• An employee is skipped on payroll.
• Qualifying life events that result in a benefit being back-dated (example: a baby is born but benefits aren’t added until several weeks later).
• Unintentional processing errors and/or incorrect rates being used.
• A newly hired employee enrolls in benefits after the date coverage started.

Missed Health/Dental/Life/Optional Life/Vision Benefits Deductions (premiums are paid one month in advance of coverage).  

If an employee’s health/dental/life/optional life/vision benefits deductions were missed, we’ll apply 2x the normal deduction amount to upcoming payrolls until the missed amount is captured.

• For example, if two (2) deductions were missed that are normally $100 per paycheck, the next two payrolls will have $200 deducted. Once the full amount is captured, only the regular deduction amount will be applied moving forward.

Health

• HIRD Form
  • If for any reason you are not enrolling in Town offered health insurance, you MUST complete and return the HIRD Form to the Benefits Office no later than thirty (30) days from your Date of Hire.
• Diabetes Care Rewards Program
• WSHG CanaRx Flyer
• Mass Health Assistance
• COBRA - Continuation Coverage Rights Under COBRA
• Mass Health Connector Flyer

Health Rates & Comparisons

• FY24 Health Insurance Rates
• FY24 Health Insurance Comparisons - PPO - Benchmark - HDHP's
• FY25 Health Insurance Rates
• FY25 Health Insurance Comparisons - PPO - Benchmark - HDHP's

Health Plans

• Benchmark Health Plans
  • Blue Cross Blue Shield Network Blue of NE
    • Summary of Benefits & Coverage (SBC)
    • BCBS Enrollment Form
  • Blue Cross Blue Shield Network Blue of NE - Select
    • Summary of Benefits & Coverage (SBC)
    • BCBS Enrollment Form
  • ​​​Harvard Pilgrim Choicenet Best Buy HMO
    • Summary of Benefits & Coverage (SBC)
    • Harvard Pilgrim Enrollment Form
  • Tufts
    • Tufts Enrollment Form
• High Deductible Health Plans
  • 2024 HSA Employee Payroll Deduction Form
  • Harness the Power of an HSA 2024
  • HSA Flyer - 2024 Limits
  • HSA vs FSA Benefit 2024
  • Blue Cross Blue Shield - Access Blue NE Saver
    • Summary of Benefits & Coverage (SBC)
    • BCBS Enrollment Form
  • Blue Cross Blue Shield - Network Blue Select Saver
    • Summary of Benefits & Coverage (SBC)
    • BCBS Enrollment Form
  • Harvard Pilgrim Best Buy HSA HMO
    • Summary of Benefits & Coverage (SBC)
    • Harvard Pilgrim Enrollment Form
  • Tufts Navigator EPO Saver
    • Tufts Enrollment Form
• PPO Health Plan
  • Harvard Pilgrim PPO
    • Summary of Benefits & Coverage (SBC)
    • Harvard Pigrim PPO Enrollment Form

Health Insurance Incentive Waiver (HIIW)

• FY25 HIIW Rates
• HIIW Program Guidelines Eff 07/01/22

Dental

• Altus Dental
  • Preventitive Rewards Program
  • FY24 Altus Dental - Rates
  • FY25 Altus Dental - Rates
  • Altus Dental - Enrollment Form
• Plans
  • Altus Dental "High Plan Option" Benefits Summary
  • Altus Dental "Low Plan Option" Benefits Summary

Accident

• Boston Mutual Group Accident Coverage
  • Summary of Benefits & Coverage
  • FY25 Boston Mutual Accident Coverage Rates
  • Accident Coverage - Enrollment Form
  • Payroll Authorization Form

Vision

• EyeMed
  • Summary of Benefits
  • FY25 EyeMed Vision - Rates
  • EyeMed - Enrollment/Change Form

Life

• Boston Mutual Basic & Voluntary Life
  • FY25 Boston Mutual Basic Life - Rates
  • Boston Mutual New Voluntary Life Insurance Benefit Summary
  • Boston Mutual Life and Voluntary Life Insurance
  • FY25 Optional/Voluntary Life Insurance - Rates
  • Boston Mutual - Enrollment Form
• Boston Mutual Long Term Disability
  • VLTD Calculation Sheet for Enrollment
  • Boston Mutual VLTD Rate Grid - 90 Days
  • Boston Mutual VLTD Rate Grid - 180 Days
  • Payroll Authorization Form for LTD Enrollment

• Boston Mutual Whole/Permanent Life Brochure
• Boston Mutual Whole/Permanent Weekly - Rates
• Boston Mutual Whole/Permanent Application
• Payroll Authorization Form for Whole/Permanent Enrollment

SMART Plan

• SMART Plan Representative Contact Information

Flexible Spending Accounts

• Sentinel FlexChoice Reimbursement Account Overview
  • FY25 Online Enrollment Instructions

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