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Insurance
benefits information |
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The 3-level
Pan American Life Insurance Cash Plan
an Employee Group Benefit Program
about the program:
This Electrical Staffing, Inc. insurance program has been designed as an enhancement to
your association and employment with our firm. Our intention is to provide real and usable
group benefits to you at no cost. By participating in, and providing this assistance,
Electrical Staffing, Inc. hopes to demonstrate our genuine concern for you and your
family’s welfare, and at the same time offering our appreciation for your valuable
contribution.
The provider under this plan is PAN-AMERICAN LIFE Insurance Company. They were selected,
at least in part, because of their sensitive, courteous and professional claims and
customer servicing record. We expect that they will provide Electrical Staffing, Inc.
employees with prompt, efficient and friendly help when using these benefits.
Electrical Staffing, Inc. management invites employees to take advantage of this program,
because it has been developed for you, our family of valued staffing associates.
questions
and answers:
How does the Electrical Staffing, Inc. 3-level plan work?
Your coverage in a given month will be determined by the number of hours worked the
immediately preceding fiscal month. For instance, if you worked less than 91 hours in May,
you will be eligible to utilize the benefits included in Level I in June. If you were to
work between 91 and 130 hours in June, you may utilize Level II benefits in July, and more
than 130 hours in July would make you eligible for full Level III benefits in August.
Should your service hours fluctuate up or down, your benefit level may be affected up or
down from month to month, but you will always qualify for one of these levels if you
perform any hours at all. Below is the schedule of benefits for each level.
|
LEVEL I (1-90 hours) |
LEVEL II (91-130 hours) |
LEVEL III (131 + hours) |
| $5,000 Life Insurance Benefit |
$5,000 Life Insurance Benefit |
$5,000 Life Insurance Benefit |
| Standard Dependent Life Benefit |
Standard Dependent Life Benefit |
Standard Dependent Life Benefit |
| $200/$400 Daily Hospital Indemnity |
$300/$600 Daily Hospital Indemnity |
$300/$600 Daily Hospital Indemnity |
Level I Accident Benefit
($300 per occurrence max) |
Level I Accident Benefit ($300 per occurrence
max) |
Level I Accident Benefit ($300 per occurrence
max) |
| Survivor Benefit |
Doctor’s Office Visit Indemnity Benefit
($35/visit) |
Doctor’s Office Visit Indemnity Benefit
($35/visit) |
|
Outpatient Diagnostic X-ray and Lab (DXL)
Benefit ($35/visit) |
Outpatient Diagnostic X-ray and Lab (DXL)
Benefit ($45/visit) |
|
HMG 24-Hour Nurseline |
Vision Care Benefit |
|
Survivor Benefit |
HMG 24-Hour Nurseline |
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Survivor Benefit |
What is the cost to
the employee ?
Upon your assignment to a project, Electrical Staffing, Inc. will pay the entire cost of
your premium, and Electrical Staffing, Inc. will cover your eligible dependents, as well,
at Electrical Staffing, Inc.’s expense, (except for disability, which covers
employees only).
How do I access my benefits?
Fringe Insurance Benefits, Inc. is the customer service administrator for the insurer. Any
employee may call Fringe Insurance Benefits, Inc. at any time to determine their coverage
status, make general inquiries, request claim forms, or discuss claims issues. The phone
number for this is (1-866-668-6299). Except for emergencies, try not to make inquiries the
1st week of each month, so as to allow Electrical Staffing, Inc. and the administrator
several days to deliver and receive premium. Please refer to Electrical Staffing, Inc.,
plus your name and social security number, when making inquiries about your benefits.
Covered employees will be eligible to utilize their appropriate level of benefits on the
first of the month following their initial month of employment or eligibility. Coverage
will extend from the 1st day of the month through the last day. Coverage the following
month will again commence on the 1st day of the new month, but the benefit level for each
and every month will be determined by hours worked the previous fiscal month.
What type of coverage will I and my dependents have?
This plan includes the above supplemental health and welfare coverages. None have
deductibles, and most have no co-pays. You may utilize any legitimate care giver you wish.
All covered employees will (in approximately 6 weeks) receive summary plan booklets and
medical cards after their effective date. In the meanwhile, you may access your coverage
by contacting the administrator with claim detail and information using the same phone
number above. While these coverages are not catastrophic or unlimited in nature, they will
provide you and your family with useful and valuable benefits on a day-to-day basis.
How do I file a claim?
You may present your medical card to any physician for claims processing. Should you
encounter a care giver who does not recognize or wish to process your medical claim for
you, you may file your claim directly with the administrator. Payment would then be
tendered directly to you. You may utilize this plan, even though you may have coverage on
another existing medical plan. Your medical card and summary plan booklet will contain
information on proper claims procedure, or you may contact Fringe Insurance Benefits, Inc.
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