Eligibility & Enrollment Welcome to Open Enrollment 2020 NCIA strives to provide the best and most flexible plan offerings to its employees and plan members. Employees are our greatest asset and we consider the investment we make in our benefit offerings as an investment in the health and wellbeing of our employees and their eligible dependents. Please take the time to review this guide in its entirety to see the array of benefits available to you and your dependents.
What’s Changing for 2020-2021? ✓
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NCIA will now offer a Health Savings Account (HSA) with employer funding of $250 for individuals and $500 for families enrolled in the account. Effective October 1, 2020, NCIA will offer two consolidated dental plans through Dominion National – an Upgraded PPO and an Elite Plus ePPO. NCIA is now offering enhancements to your vision plan – including increased frame and contact lens allowances. Discovery Benefits will be your administrator for your HRA, HSA, FSA, and COBRA plans. Learn more about Discovery here: www.discoverybenefits.com
Who is Eligible? All eligible full-time employees who work at least 30 hours per week, and their eligible dependents as described below, are eligible for the benefits outlined in this benefit guide.
When Coverage Begins For New Employees Your coverage begins the first of the month following sixty (60) days of employment for regular full-time employees. You will need to complete your benefit elections within 60 days of your effective date.
When Coverage Ends If your employment ends, your medical, dental and vision coverage will end on the last day of the month of your separation. Depending upon the circumstances of your termination, you may be able to continue coverage under COBRA. Other circumstances which may result in termination of you or your dependents coverage include: •
Reduction in your regular hours
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Divorce or legal separation
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Dependent children who reach age 26
Eligible Dependents •
Your spouse (unless you are legally separated) or Domestic Partner
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Your unmarried or married dependent children up to age 26 (Medical, Dental, and Vision)
Qualifying Events •
Change in marital status (divorce, marriage, death, legal separation)
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Change in number of dependents (birth, death, adoption, child support order or eligibility status)
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Change in employment status (termination, part-time, full-time status)
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Spouse’s open enrollment
2020 Benefits Guide
