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Employee Insurance

The benefit plan being utilized by Electrical Staffing is designed as an enhancement to your employment with this firm. It is structured to allow you access to health and welfare coverages at an affordable cost. Please be advised that there are no underwriting medical questions for admittance to this plan, so long as you sign up within 30 days from your hire date. The same applies for eligible dependents, now or at the time of acquiring new dependents. If, however, you refuse this offering at the initial open enrollment period, or should you drop the plan in a subsequent month, you may be required to prove insurability, i.e., answer medical questions with the possibility of rejection, before being admitted (or readmitted) into this plan. Below are the basic features of this plan and its administration.

ADMINISTRATION -- 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 January, you would be eligible to utilize the benefits included in Level I in February. If you were to work between 91 and 130 hours in February, you may utilize Level II benefits in March, and more than 130 hours in March would make you eligible for full Level III benefits in April. 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.
 
MISCELLANEOUS -- Coverage will extend from the 1st calendar day of the month through the last day. All covered employees will receive summary plan booklets and medical cards, usually within 4 weeks 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 as cited previously herein. Should you encounter a caregiver 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. Your summary plan booklet and a handout within this package will contain information on proper claims procedure, or you may contact Plan Benefit Services for same, at the number cited above.
 
FREQUENTLY ASKED QUESTIONS & ANSWERS
 
ABOUT THE PROGRAM -- This Electrical Staffing 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 a minimal cost. By participating in, and providing this assistance, Electrical Staffing 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 Nationwide 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 employees with prompt, efficient and friendly help when using these benefits. Electrical Staffing management invites employees to take advantage of this program, because it has been developed for you, our family of valued staffing associates.
 
HOW DOES THIS 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 January, you would be eligible to utilize the benefits included in Level I in February. If you were to work between 91 and 130 hours in February, you may utilize Level II benefits in March, and more than 130 hours in March would make you eligible for full Level III benefits in April. 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.
 
WHAT IS THE COST TO THE EMPLOYEE? -- Should you enroll and authorize the expense, Electrical Staffing will payroll deduct one of the following amounts depending on your coverage selection:
 
                PLAN                      COST TO EMPLOYEE                                            COVERED
                Option 1                   $.35 per hour worked                                             Employee and eligible dependents
                Option 2                   $.55 per hour worked                                             Employee and eligible dependents
 
The balance for the cost of your coverage will be paid for by Electrical Staffing.
 
WHAT TYPE OF COVERAGE WILL I AND MY DEPENDENTS HAVE? -- This plan includes the above supplemental health and welfare coverages. No medical components have deductibles or co-pays. You may utilize any legitimate care giver you wish. All covered employees will receive summary plan booklets and medical cards, usually within 4 weeks 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 and account number cited above. While these coverages are not catastrophic or unlimited in nature, they will provide you and your family with useful and very inexpensive benefits that should prove most useful and valuable on a day-to-day basis.