2019 Benefits Annual Enrollment Now Open

Dear LSS Benefit Eligible Employees:

The Annual Enrollment period allows you to make new elections and/or changes to your benefits. All Annual Enrollment elections and/or changes will become effective January 1, 2019, and must be completed online through Workday between November 14 and November 30, 2018.

In addition to reviewing the important news for our 2019 benefit plans below, I highly recommend you visit our LSS benefits website to view our brand new “video series” for this year’s Annual Enrollment (www.LSSLiving.org/Benefits).

In past years, we’ve shared information about your LSS benefits and what was changing for the new year in townhall-style meetings.  Based upon feedback that it was difficult for staff to be present for these in-person meetings, we’ve taken a new approach this year and created a series of short videos that you can watch at your convenience where ever and whenever is best for you.  These videos can be watched on any computer with internet access including your smart phone, and there is a total of 9 videos, each focused on a different topic and lasting about 5-10 minutes each.  Most of us may only want or need to watch Video #1, which explains all the changes you’ll see in your 2019 benefits in about 14 minutes.  If you want to learn more about individual benefits though, you can in the other 8 videos that are even shorter.

Inside these videos are links to helpful resources that you can view and/or print.  These are the materials that would be shared with you as hand-outs if we were still hosting in-person meetings.  And as always, your HR team at your Community or Program are available and happy to help answer any questions you may haveafter watching these videos.  Do not hesitate to contact them with any and all questions.

For this year’s Annual Enrollment, there are several changes and updates to share with you about our 2019 benefits:

  1. Salary threshold for higher Medical premiums increased to $45/hour – In 2019, staff paid between $35-45/hour will now pay the lower bracket of medical premiums.  Staff paid $45.01/hour or more will be in the higher premium bracket.
  2. Lower deductible (w/ higher out-of-pocket maximums) for our Gold PPO Medical Plan – The in-network deductibles will decrease to $1,200/$2,400 (and the out-of-pocket maximums will increase).
  3. Employee medical premiums – No increases to the Bronze PPO plan’s premiums for employees/spouses who earned 100 wellness points; Employees enrolled in the Gold PPO will see increased premiums of about 6% and employees enrolled in the Consumer-Driven Health Plan will see increases of about 1%
  4. Increased orthodontia benefits (Dental) – We were excited to add a 2nddental plan in 2018, and now in 2019 we are excited to announce that the orthodontia benefits in that Enhanced Plan will offer $1,500 in orthodontia benefits (for both adults & children) instead of $1,000.  Employees enrolled in this Enhanced Plan will see premium increases of anywhere between $0.40 up to $1.51 per pay period, while employees enrolled in the Basic Plan will see no increases to their premiums.
  5. Increased frame allowance for EyeMed vision insurance – With no premium increases, employees carrying vision coverage will now have a $160 frame allowance (instead of $130).
  6. New vendor and prices for Life & Disability benefits – Unum will now be our insurer for Life and AD&D benefits, as well as our Long Term Disability (LTD) benefits, and you will see lower costs for supplemental life insurance for yourself and spouse.
  7. New vendor, benefits, prices and enrollment process for Voluntary Benefits – Voya will now be our insurer for Accident, Critical Illness and Hospital benefits.  These benefits provide income protection and can now be enrolled in within Workday.
  8. Annual Enrollment Video Series – Designed and produced for you based on feedback that you preferred quicker, easier, more convenient ways to learn about next year’s benefits, these brief videos (that can be viewed from any computer/phone with an internet connection) share important information you need to know for deciding your 2019 benefit elections.
  9. Alex is back – To help you choose which medical plan might be right for you, please “talk to Alex”, an easy-to-use interactive website available at https://www.myalex.com/lss/2019.
  10. New Wellness Partner – We partnered with a new wellness vendor beginning in September of 2018, and now all LSS staff are invited to participate in all aspects of our wellness programming!  If you haven’t checked out our new online wellness portal, please be sure to register to participate in LSS challenges, programs and contests.

All new elections, changes and/or renewals for your 2019 benefits must be completed in Workday no later than Friday, November 30.

*Some important reminders:

-If you do not want to make any changes to your current medical, HSA, vision, and/or life insurance elections, you do not need to do anything as these elections will automatically carry over in to next year.

-However, you must actively re-elect your Flexible Spending Accounts (FSA) and/or Insurance Alternative elections if you wish for them to continue into next year.

-To review your current elections and coverage, please log in to your Workday account to “View Benefit Elections”.

Your loyalty and commitment make our Christian mission of “Older Adults Living Life to the Fullest” possible. Our benefits package is one of the ways we invest in you, our most valuable resource.

Denis Thien
Director of Benefits & Compensation
LSS Human Resources