An Important Message for NC Health Benefit Representatives
June 2018
NEW Qualifying Life Event Reason in Benefitfocus for Term Life
 
What's changed in the Term Life certificate to trigger this:
Prior to 2018, the NCFlex Term Life product required an EOI for employees enrolling or making a change due to a QLE. Starting in 2018 Voya updated their Term Life Insurance certificate with NCFlex to include Guaranteed Issue (up to $200,000 for employees and up to $50,000 for spouse) for qualifying life events. These life events include marriage, birth, adoption, return from LOA (only if the employee had a break in coverage for more than 30 days), and loss of other coverage.
 
What qualifies as "loss of other coverage" to receive GI:
For the qualifying life event, loss of other coverage, Voya only allows GI when coverage is lost from a spouse's employer sponsored plan. Therefore, Benefitfocus created a new life event called "loss of other coverage (dependent)" which will only show up for the Life Insurance product on the enrollment platform, and it was designed to try and distinguish who is actually eligible for GI.
 
HBR Responsibility:
It will be important for you as an HBR to make sure employees' life events are valid. If an employee uses a life event that is not valid to receive GI on the term life, they may be denied for a benefit later.
 
Please contact us with any questions. 
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Protect yourself this summer!

Think you have to be at the pool, or the beach, or even on vacation to get too much sun? Think again! You just have to be outside to be at risk of harmful exposure. Find out how and why to protect yourself from the sun’s harmful rays, even on a cloudy day, HERE .

And don't forget to use your Health Care FSA $ for Sunscreen SPF 15+ and/or bug spray!
June is Safety Awareness Month!
 
Every week has a theme and the National Safety Council provides free materials to help employers communicate useful information to their employees.
 
Week 1: Emergency Preparedness
Week 2: Wellness
Week 3: Falls
Week 4: Driving

TRICARE Supplement Q&A Videos

Have employees with questions about the TRICARE Supplement? Share these videos which dive deep into how the plan can help them save and answer questions such as

  • What are the benefits of having a supplement plan? 
  • How do TRICARE and TRICARE Supplement work together? 
  • Can my dependent children be covered under the supplement? 
  • How do prescription claims work? 
  • How much will I pay out of pocket if I have TRICARE and a TRICARE Supplement?  
As an HR Professional you can access additional plan information here . 
Selman & Company new HBR contact
 
Our TRICARE Supplement Plan has a new HBR contact which can be found in the HBR Manual on the HBR portion of our website . Starting on page 10 of the manual you can find HBR contacts for all of our plans.
 
As an additional resource for the TRICARE Supplement Plan take a look at their handbook. Some of the information may not apply to your employees, but you may find something useful:
Sensible Savings Sessions
 
We've mentioned in recent emails that SSS are starting back up. We still have seats available for our meeting in Asheboro and have also added a another webinar in August.
 
Please share with your employees these links to enroll:
 
The 2018 Wellness & Safety Expo will be presented from 9 a.m. to 3 p.m. Wednesday, Aug. 1, in the Jim Graham Building at the North Carolina State Fairgrounds. The event is free and open to all current and retired state employees as part of OSHR’s Statewide Wellness Program. With advance approval from their supervisor, active state employees may take up to two hours (not counting travel) to experience the demonstrations, health screenings and 150-plus exhibitors.  
Know an HBR who would like to receive these emails? Send them the following link:

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