lee county sheriff's office lcso benefits highlight booklet.pdf · lee county sheriff’s...

LEE COUNTY SHERIFF'S OFFICE

2018 Employee Benefit Highlights

Lee County Sheriff’s Office | Employee Benefit Highlights | 2018

Contact Information

Personnel Services Division

Dawn HeikkilaDirector

Phone: (239) 258-3271Email: [email protected]

Heidi BaerBenefits Manager


Denise McKennaBenefits Coordinator


Doreen SalvagnoRetirement Coordinator


Employee Health Clinic Star Care

14311 Metropolis Ave, Suite 102 Fort Myers, FL 33912Phone: (239) 768-0127 | Fax: (239) 768-0671Email: [email protected]

Medical Insurance Cigna Customer Service: (800) 244-6224www.cigna.com

Prescription Drug Coverage Mail-Order Program Cigna Home Delivery Customer Service: (800) 835-3784

www.mycigna.com

Dental Insurance Cigna Customer Service: (800) 244-6224www.cigna.com

Vision Insurance Cigna Customer Service: (877) 478-7557www.cigna.com

Employee Assistance Program Synergy EAP Solutions Customer Service: (239) 278-7435

Basic Life and AD&D Insurance Symetra Customer Service: (800) 796-3872www.symetra.com

Public Safety Statutory Benefit The Hartford Customer Service: (888) 747-8819www.thehartford.com

Supplemental Life Insurance New York Life Insurance Company Agent: Adam M. Rollins Office: (352) 573-1519 | Email: [email protected]

Supplemental InsuranceAflac

Agent: Sandra Cook DillonPhone: (239) 910-2518 | Email: [email protected] Agent: Chad JacobsenPhone: (561) 891-0585 | Email: [email protected]

Colonial Life Agent: Lee BoyettePhone: (941) 780-5886

Supplemental Legal Insurance

LegalShieldAgent: Rebecca Smith or Kenn TerryOffice: (800) 729-7998 | Email: [email protected]

U.S. Legal ServicesAgent: Dixie Kuehn Office: (321) 799-2986 Mobile: (321) 403-0156 | Email: [email protected]

Retirement Plan Florida Retirement System MyFRS Financial Guidance Line: (866) 446-9377, Option 1 www.myfrs.com

Supplemental Retirement Plans

AXA

Agent: Colin KellyPhone: (937) 269-9331 | Email: [email protected] Agent: Jim ReddingtonPhone: (239) 560-4618 | Email: [email protected]

Mass Mutual Agent: Stephen ThomasPhone: (239) 303-3782 | Email: [email protected]

NationwideAgent: Erika SpeightPhone: (239) 778-4382 | Email: [email protected]

Valic Agent: John DonnellyPhone: (763) 438-3135 | Email: [email protected]


Table of Contents

Introduction 1

Group Insurance Eligibility 1

Qualifying Events and IRS Code Section 125 2

Medical Insurance 3

Telehealth 3

Cigna Open Access Plus Plan At-A-Glance 4

Dental Insurance 5

Cigna Dental PPO Plan At-A-Glance 6

Vision Insurance 7

Cigna Vision Plan At-A-Glance 7

Other Available Plan Resources 8

Star Care Clinic 9

Employee Assistance Program 10

Basic Life and AD&D Insurance 10

Public Safety Statutory Benefit 11

Supplemental Life Insurance 11

Supplemental Insurance 11

Supplemental Legal Insurance 12

Florida Retirement System 13-14

Supplemental Retirement Plans 15

Notes 15-16

This booklet is merely a summary of benefits. For a full description, refer to the plan document. Where conflict exists between this summary and the plan document, the plan document controls. Lee County Sheriff’s Office reserves the right to amend, modify or terminate the plan at any time. This booklet should not be construed as a guarantee of employment.

1


IntroductionThe Lee County Sheriff’s Office provides a comprehensive compensation package including group insurance benefits, Star Care employee health clinic and numerous other services. The Employee Benefit Highlights Booklet provides a general summary of these benefit options as a convenient reference. Please refer to the Sheriff’s Office Personnel Policies and/or Certificates of Coverage for detailed descriptions of all available employee benefit programs and stipulations therein. If you require further explanation or need assistance regarding claims processing, please refer to the customer service phone numbers under each benefit description heading or contact the Personnel Services Division for further information.

Group Insurance EligibilityThe Sheriff's Office group insurance plan year is January 1 through December 31.

Employee EligibilityEmployees are eligible to participate in the Sheriff’s Office insurance plans if they are full-time employees working a minimum of 25 hours per week. Coverage will be effective the first of the month following 60 days of employment. For example, if an employee is hired on April 11, then the effective date of coverage will be July 1.

TerminationIf an employee separates employment from the Sheriff’s Office, insurance coverage will terminate on the date in which the separation occurred. COBRA continuation of coverage is available as applicable by law.

Dependent EligibilityA dependent is defined as the legal spouse and/or dependent child(ren) of the participant or the spouse. The term “child” includes any of the following:

• A natural child• A stepchild• A legally adopted child• A newborn (up to age 18 months) of a covered dependent (Florida)• A child for whom legal guardianship has been awarded to the

participant or the participant’s spouse

Taxable Dependents Employees covering adult children under the medical, dental and vision insurance plans will be required to pay applicable premiums. Contact the Personnel Services Division for further details.

Dependent Age RequirementsMedical Coverage: A dependent child may be covered through the end of the month in which the child turns age 26. An over-age dependent may continue to be covered on the medical plan to the end of the month in which the child reaches age 30, if the dependent meets the following requirements:

• Unmarried with no dependents; and• A Florida resident, or full-time or part-time student; and• Otherwise uninsured; and• Not entitled to Medicare benefits under Title XVIII of the

Social Security Act, unless the child is disabled.

Dental Coverage: A dependent child may be covered through the end of the month in which the child turns age 30.

Vision Coverage: A dependent child may be covered through the end of the month in which the child turns age 30.

Please see Taxable Dependents if covering eligible over-age dependents over age 26.

Disabled DependentsCoverage for an unmarried dependent child may be continued beyond age 26 if:

• The dependent is physically or mentally disabled and incapable of self-sustaining employment (prior to age 26); and

• The dependent is otherwise eligible for coverage under the group medical plan; and

• Primarily dependent upon the employee for support; and• The dependent has been continuously insured; and• Coverage began prior to the age of 26.

Proof of disability will be required upon request. Please contact the Personnel Services Division if further clarification is required.

JANUARY

01

2


Qualifying Events and IRS Code Section 125IRS Code Section 125Premiums for certain supplemental insurance policies such as Aflac (excluding Life insurance), Colonial (excluding Life insurance) and the Deferred Compensation plans are deducted through a Cafeteria Plan established under Section 125 of the Internal Revenue Service (IRS) Code and are pre-tax to the extent permitted. Under Section 125, changes to employee's pre-tax benefits can be made ONLY during the Open Enrollment period unless employee or qualified dependent(s) experience a qualifying event and the request to make a change is made within 60 days of the qualifying event.

Under certain circumstances, employee may be allowed to make changes to benefit elections during the plan year, if the event affects employee, spouse, or dependent(s) coverage eligibility. An “eligible” qualifying event is determined by the Internal Revenue Service (IRS) Code, Section 125. Any requested changes must be consistent with and due to the qualifying event.

Examples of Qualifying Events:

• Employee gets married or divorced• Birth of a child• Employee gains legal custody or adopts a child• Employee's spouse and/or other dependent(s) die(s)• Employee, employee's spouse or dependent(s) terminate or start

employment• An increase or decrease in employee's work hours causes eligibility

or ineligibility• A covered dependent no longer meets eligibility criteria for coverage• A child gains or loses coverage with an ex-spouse• Change of coverage under an employer’s plan• Gain or loss of Medicare coverage• Losing eligibility for coverage under a State Medicaid or CHIP

(including Florida Kid Care) program (60 day notification period)• Becoming eligible for State premium assistance under Medicaid or

CHIP (60 day notification period)• Enrollment in a qualified health plan offered through an Exchange

during a special enrollment period

IMPORTANT NOTES

Employee who experiences a qualifying event must contact the Personnel Services Division within 60 days to make the appropriate changes to coverage. Beyond 60 days, requests will be denied and the employee may be responsible, both legally and financially, for any claim and/or expense incurred as a result of the employee or dependent who continues to be enrolled but no longer meets eligibility requirements. If approved, changes are effective on the first of the month following the qualifying event. Newborns are effective on the date of birth and marriage is effective on the date of occurrence. Cancellations will be processed on the date in which separation occurred. In the event of death, coverage will terminate the date following the death. Employee will be required to furnish valid documentation supporting a change in status or “Qualifying Event.”

3


Medical InsuranceThe Sheriff's Office provides medical insurance through Cigna at no cost to benefit-eligible employees and dependent(s). A brief summary of benefits is provided on the following page. For more detailed information about the medical plan, please refer to Cigna’s Summary of Benefits and Coverage (SBC) document or contact Cigna’s customer service.

Cigna | Customer Service: (800) 244-6224 | www.cigna.com

Summary of Benefits and CoverageA Summary of Benefits & Coverage (SBC) for the medical plan is provided as a supplement to this booklet being distributed to new hires and existing employees. The summary is an important item in understanding the benefit options. A free paper copy of the SBC document may be requested or is available as follows:

From: Personnel Services Division

Address: 1039 SE 9th Place Cape Coral, FL 33990

Phone: (239) 258-3270

Email: [email protected]

Access on: Employee Intranet under the Personnel Services tab

The SBC is only a summary of the plan’s coverage. A copy of the plan document, policy, or certificate of coverage should be consulted to determine the governing contractual provisions of the coverage. A copy of the group certificate of coverage can be reviewed and obtained on the Employee Intranet under the Personnel Services tab.

If there are questions about the plan offerings or coverage options, please contact the Personnel Services Division.

TelehealthCigna provides access to two telehealth services as part of the medical plan – AmWell and MDLIVE. Telehealth is a convenient phone and video consultation company that provides immediate medical assistance for many conditions.

This benefit is provided to all enrolled members subject to an applicable copay. This program allows members 24/7 on-demand access to affordable medical care via phone and online video consultations when needing immediate care for non-emergent medical issues. Telehealth should be considered when your primary care doctor is unavailable, after-hours or on holidays for non-emergency needs. Many urgent care ailments can be treated with Telehealth, such as:

99 Sore Throat

99 Headache

99 Stomachache

99 Fever

99 Cold and Flu

99 Allergies

99 Rash

99 Acne

99 UTIs And More

Telehealth doctors do not replace your primary care physician but may be a convenient alternative for urgent care and ER visits. For further information please contact the Personnel Services Division or contact Cigna.

Cigna AmWell | Customer Service: (855) 667-9722 | www.AmWellforCigna.com MDLIVE | Customer Service: (888) 726-3171 | www.MDLIVEforCigna.com

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Locate a ProviderTo search for a participating provider, contact Cigna’s customer service or www.cigna.com. After completing the necessary search criteria, select Open Access Plus network.

Plan References*Out-Of-Network Balance Billing: For information regarding out-of-network balance billing that may be charged by an out-of-network provider for services rendered, please refer to the Out-of-Network Benefits section on the Summary of Benefits and Coverage (SBC).

**Quest Diagnostics and LabCorp are the preferred labs for bloodwork through Cigna. When using a lab other than Quest or LabCorp, please confirm they are contracted with Cigna’s Open Access Plus Network prior to receiving services.

Cigna Open Access Plus Plan At-A-GlanceNetwork Open Access Plus

Calendar Year Deductible (CYD) In-Network Out-of-Network*Single $600 $600

Family $1,200 $1,200

CoinsuranceMember Responsibility 20% 50%

Calendar Year Out-of-Pocket LimitSingle $3,000 $6,000

Family $6,000 $12,000

What Applies to the Out-of-Pocket Limit? Deductible, Coinsurance and Rx Copays

Physician ServicesPrimary Care Physician (PCP) Office Visit 20% After CYD 50% After CYD

Specialist Office Visit 20% After CYD 50% After CYD

Telehealth Services 20% After CYD Not Covered

Non-Hospital Services; Freestanding Facility Clinical Lab (Blood Work) at Quest or Labcorp** 20% After CYD 50% After CYD

X-rays 20% After CYD 50% After CYD

Advanced Imaging (MRI, PET, CT) 20% After CYD 50% After CYD

Outpatient Surgery in Surgical Center 20% After CYD 50% After CYD

Physician Services at Surgical Center 20% After CYD 50% After CYD

Urgent Care Center (Per Visit) 20% After CYD 20% After CYD

Hospital ServicesInpatient Hospital (Per Admission) 20% After CYD 50% After CYD

Physician Services at Hospital 20% After CYD 50% After CYD

Emergency Room (Per Visit; Waived if Admitted) 20% After CYD 20% After CYD

Mental Health/Alcohol & Substance AbuseInpatient (Prior Authorization Required) 20% After CYD 50% After CYD

Outpatient (Prior Authorization Required) 20% After CYD 50% After CYD

Prescription Drugs (Rx) Generic $10 Copay Not Covered

Preferred Brand Name $25 Copay Not Covered

Non-Preferred Brand Name $50 Copay Not Covered

Mail Order Drug (90 Day Supply) 2x Retail Copay Not Covered

5


Dental InsuranceCigna Dental PPO PlanThe Sheriff's Office provides dental insurance through Cigna at no cost to benefit-eligible employees and dependent(s). A brief summary of benefits is provided on the following page. For more detailed information about the dental plan, please refer to Cigna’s summary plan document or contact Cigna’s customer service.

In-Network BenefitsThe PPO plan provides benefits for services received from in-network and out-of-network providers. It is also an open access plan which allows for services to be received from any dental provider without having to select a Primary Dental Provider (PDP) or obtain a referral to a specialist. The network of participating dental providers can be found in Cigna’s Total DPPO network. These participating dental providers have contractually agreed to accept Cigna’s contracted fee or “allowed amount”. This fee is the maximum amount a Cigna dental provider can charge a member for a service. The member is responsible for a Calendar Year Deductible (CYD) and then coinsurance based on the plan’s charge limitations.

Please Note: Members have the option to utilize a dentist that participates in Cigna’s Total DPPO Network. However, members who use the Cigna Advantage Network will see additional cost savings from the added discount that is allowed for using an Advantage network provider. Members are responsible for verifying whether the treating dentist is an Advantage Dentist or a DPPO Dentist.

Out-of-Network Benefits Out-of-network benefits are used when members receive services by a non-participating Cigna provider. Cigna reimburses out-of-network services based on what it determines is the Maximum Reimbursable Charge (MRC). The MRC is defined as the most common charge for a particular dental procedure performed in a specific geographic area. If services are received from an out-of-network dentist, the member will pay the out-of-network benefit plus the difference between the amount that Cigna reimburses (MRC) for such services and the amount charged by the dentist. This is known as balance billing. Balance billing is in addition to any applicable plan deductible or coinsurance responsibility.

Calendar Year DeductibleThe Cigna DPPO plan requires a $50 individual or a $150 family deductible to be met for in-network or out-of-network services before most benefits will begin. The deductible is waived for diagnostic, preventive and orthodontic services.

Calendar Year Benefit MaximumThe maximum benefit (coinsurance) the dental PPO plan will pay for each covered member is $3,000 for in-network or out-of-network services combined. Diagnostic and preventive services accumulate towards the benefit maximum.

IMPORTANT NOTES

• Each covered family member may receive up to two (2) routine cleanings per calendar year.

• Waiting periods and age limitations may apply for certain services.

• Teeth missing prior to coverage effective date are not covered.

This benefits summary has been provided as a convenient reference. For details regarding all the plan’s coverages, exclusions, and stipulations, contact Cigna's customer service.


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Cigna Dental PPO Plan At-A-GlanceNetwork Total Cigna DPPO

Calendar Year Deductible (CYD) In-Network Out-of-Network*Per Member $50 $50

Per Family $150 $150

Waived for Class I Services? Yes Yes

Calendar Year Benefit MaximumPer Member (Includes Class I Services) $3,000 $3,000

Class I Services: Diagnostic & Preventive CareRoutine Oral Exam (2 Per Calendar Year)

Plan Pays: 100%Deductible Waived

Plan Pays: 100% Deductible Waived

(Subject to Balance Billing)

Routine Cleanings (2 Per Calendar Year)

Bitewing X-rays (2 Per Calendar Year)

Complete X-rays (1 Every 36 Months)

Sealants (Under Age 14)

Class II Services: Basic Restorative CareFillings (Amalgam or Composite)

Plan Pays: 90% After CYD Plan Pays: 90% After CYD(Subject to Balance Billing)

Periodontal Services

Endodontics

Oral Surgery

Anesthetics

Class III Services: Major Restorative CareCrowns

Plan Pays: 60% After CYD Plan Pays: 60% After CYD(Subject to Balance Billing)

Dentures

Bridges

Surgical Implants

Class IV Services: OrthodontiaLifetime Maximum $2,000 $2,000

Benefit (Dependent Children Up to Age 19) Plan Pays: 100% Plan Pays: 100%(Subject to Balance Billing)

Locate a ProviderTo search for a participating provider, contact Cigna’s customer service or visit www.cigna.com. After completing the necessary search criteria, select Cigna's Total DPPO network.

Plan References*Out-Of-Network Balance Billing: For information regarding out-of-network balance billing that may be charged by an out-of-network provider, please refer to the Out-of-Network Benefits section on the previous page.

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Cigna Vision PlanThe Sheriff's Office provides vision insurance through Cigna at no cost to benefit-eligible employees and dependent(s). For more information about the vision plan, including exclusions and stipulations, please refer to the carrier’s benefit summary or contact Cigna’s customer service.

In-Network BenefitsThe vision plan offers employee and covered dependent(s) coverage for routine eye exams. To schedule an appointment, covered employee and dependent(s) can select any network provider who participates in the Cigna Vision network. At the time of service, routine vision examinations will be covered as shown on the plan’s schedule of benefits.

Out-of-Network BenefitsEmployee and covered dependent(s) may also choose to receive services from vision providers who do not participate in the Cigna Vision Plan. When going out of network, the provider will require payment at the time of appointment. Cigna will then reimburse based on the plan’s out-of-network reimbursement schedule upon receipt of proof of services rendered.

Calendar Year Deductible There is no calendar year deductible.

Calendar Year Out-of-Pocket MaximumThere is no out-of-pocket maximum. However, there are benefit reimbursement maximums.

Healthy Rewards® – Vision Network Savings ProgramWhen employee visits a Cigna Vision Network Eye Care Professional, employee can save 20% (or more) on additional frames and/or lenses, including lens options with valid prescription. This savings does not apply to contact lens materials. Please contact Cigna's customer service for additional information.


Vision InsuranceCigna Vision Plan At-A-Glance

Network Cigna Vision

Services In-Network Out-of-Network

Eye Exam $10 Copay Up to $45 Reimbursement

Frequency of Services

Examination 12 Months

Locate a ProviderTo search for a participating provider, contact Cigna customer service or visit www.cigna.com. When completing the necessary search criteria, select Cigna Vision network.

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Other Available Plan ResourcesCigna offers all enrolled employees and dependents additional services and discounts through value added programs. For more details regarding other available plan resources, please refer to the Summary of Benefits and Coverage (SBC) document, contact Cigna’s customer service at (800) 244-6224, or visit www.cigna.com.

24 Hour Help Information Hotline (800) CIGNA-24The Cigna 24-Hour Health Information Line provides access to helpful, reliable information and assistance from qualified health information nurses on a wide range of health topics 24 hours a day, any day of the year. Not sure what to do when a child has a fever in the middle of the night? Not sure if treatment from a doctor is necessary for an injury? There are over 1,000 topics in the Health Information Library that include free audio, video and printed information on aging, women’s health, nutrition, surgery and specific medical conditions to help weigh the risks and advantages of treatment options. The call is free and is strictly confidential.

Healthy Rewards (800) 870-3470Cigna’s Healthy Rewards is provided automatically at no additional cost and offers access to discounted health and wellness programs at participating providers. Members may log on to www.mycigna.com and select Healthy Rewards to learn more about these programs or call (800) 870-3470.

99 Vision Care

99 Lasik Vision Correction Services

99 Fitness Club Discounts

99 Nutrition Discounts

99 Hearing Care

99 Tobacco Cessation

99 Alternative Medicine

The myCigna Mobile AppThe myCigna mobile app is an easy way to organize and access important health information. Anytime. Anywhere. Download it today from the App StoreSM or Google Play™. With the myCigna mobile app, members can:

• Find a doctor, dentist or health care facility• Access maps for instant driving directions• View ID cards for the entire family• Review deductibles, account balances and claims• Compare prescription drug costs• Speed-dial Cigna Home Delivery Pharmacy™• Store and organize all important contact info for doctors, hospitals,

and pharmacies• Add health care professionals to contact list right from a claim or

directory search• And, much more!


9


Star Care ClinicStar Care services are available to eligible Sheriff's Office employees, retirees and dependents ages 2 & up who are active/insured on the Sheriff's Office health plan.

Star Care services are FREE. Some examples of services offered are listed below:

Primary Care and Urgent Care• Services are limited for children ages 2 and up and include only

acute care and school/sports physicals.• Services are also limited for all Medicare recipients. Care provided

within Star Care is not billed to Medicare; therefore, any services that will need to be billed to Medicare require the use of an outside Medicare Provider/PCP.

Medications Dispensed On Site• Providers may prescribe 6-12 months of non-controlled

maintenance medications for stable conditions.

Wellness and Health Maintenance

Chronic Disease Management

Physicals:• Annual Adult• Well woman• DOT physicals• Preoperative physicals

On-Site Services:• X-rays• Laboratory blood draws

› Please note – there may be some specialty lab draws that must be drawn at an actual lab-draw station.

› All outside orders must be provided to the health center to determine the capability of drawing such specimens.

• 12-lead EKG• IV fluids.

Star Care does allow walk-in patients, however, you will have a longer than normal wait time as they accommodate you between already scheduled patients, and only for an illness. It is ALWAYS best to schedule an appointment when possible; there are same day sick appointments held open in the schedule; once those are taken it is possible a next day appointment will need to be made. If Star Care is your medical home you can still receive medical care outside of the clinic, however, it will be subject to the health plan schedule of benefits.

Star Care has a 10 minute late policy. Your time is important and anyone 10 minutes or more late will be rescheduled. This is to avoid making others wait.

Star Care is staffed by a Board Certified Physician, Experienced Nurse Practitioners, and a Skilled Team of Medical Assistants.

Star Care Clinic Hours of Operation

Monday 7:00 am - 6:00 pm

Tuesday 7:00 am - 3:30 pm

Wednesday 7:00 am - 6:00 pm

Thursday 7:00 am - 6:00 pm

Friday 7:00 am - 3:30 pm

Saturday 9:00 am - 1:00 pm

Star Care Clinic 14311 Metropolis Ave., Suite 102, Fort Myers, FL 33912

Phone: (239) 768-0127 | Fax: (239) 768-0671 Email: [email protected]

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Employee Assistance ProgramThe Sheriff's Office provides at no cost a comprehensive Employee Assistance Program (EAP) available through Synergy EAP Solutions. Synergy EAP Solutions offers access to licensed mental health professionals through a confidential program protected by state and federal laws. The EAP program is available to help employee gain a better understanding of problems that affect them, locate the best professional help for a particular problem, and decide upon a plan of action. The Sheriff's Office employees are entitled to three (3) free counseling sessions. All EAP counselors are professionally trained and certified and licensed in their fields. Master-level counselors are available 24 hours a day, 7 days a week.

What is an Employee Assistance Program?An Employee Assistance Program (EAP) offers covered employee and family member(s) free and convenient access to a range of confidential and professional services to help them address a variety of problems that can negatively affect their well-being such as:

99 Anxiety

99 Financial concerns

99 Depression

99 Life improvement

99 Family and/or marriage problems

99 Stress

99 Grief and bereavement

99 Substance abuse

99 Crisis planning

What is Dynamic Worklife Solutions?The Sheriff's Office recognizes that employees’ personal responsibilities may, at times, spill over into the workplace. To help ensure employee is able to address these concerns with minimal disruption, the program provides employee and family member(s) assistance for a variety of concerns – including child care, elder care, daily-living issues, and other issues they may encounter.

Are Services Confidential?Yes. Receipt of EAP services is completely confidential. If, however, participation in the EAP is the direct result of a Management Referral (a referral initiated by a supervisor or manager), we will ask permission to communicate certain aspects of the employee’s care (attendance at sessions, adherence to treatment plans, etc.) to the referring supervisor/manager. The referring supervisor will not, however, receive specific information regarding the referred employee’s case. The supervisor will only receive reports on whether the referred employee is complying with the prescribed treatment plan.

Synergy EAP Solutions | Customer Service: (239) 278-7435

Basic Life and AD&D InsuranceThe Sheriff's Office provides all benefit-eligible employees a Basic Term Life Insurance benefit through Symetra, at no cost to the employee. The coverage amount will be determined by the employee's annual base salary, excluding overtime, as illustrated in the benefit table below.

Class Benefit Description

Class 1: Certified ExecutivesBenefit amount equals to two times annual salary up to a maximum benefit of $200,000.

Class 2: Non-Certified ExecutivesBenefit amount equals to two times annual salary up to a maximum benefit of $200,000.

Class 3: Certified Regular EmployeesBenefit amount equals to one times annual salary up to a maximum benefit of $200,000.

Class 4: Non-Certified Regular Employees

Benefit amount equals to one times annual salary up to a maximum benefit of $200,000.

Class 5: Retirees $5,000

Accidental Death & DismembermentAlso at no cost to employee, the Sheriff's Office provides Accidental Death & Dismemberment Insurance (AD&D) through Symetra. AD&D pays in addition to the Basic Term Life benefit when death occurs as a result of an accident. The AD&D benefit amount equals the Basic Term Life benefit, based on employee classification, partial benefits may also be payable.

Always remember to keep beneficiary forms updated. Beneficiary forms may be updated through the Personnel Services Division.

Symetra | Customer Service: (800) 796-3872 | www.symetra.com

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Public Safety Statutory BenefitPublic Safety employees are also covered, per Florida Statutes through The Hartford Insurance Company, if death occurs as a result of the following hazards:

Hazard Department Benefit PayoutAs of 7/1/2017*

Unlawful and Intentional Death Police & Fire $198,670.00

In Line of Duty Police & Fire $67,901.00

Fresh Pursuit Police Only $67,901.00

*Please contact the Personnel Services Division for up-to-date benefit amounts.

The Hartford | Customer Service: (888) 747-8819 | www.thehartford.com

Supplemental Life InsuranceNew York Life Insurance CompanyNew York Life Insurance Company offers life insurance policies that may be purchased separately on a voluntary basis with premiums paid by payroll deductions. Life insurance policies can be purchased as a supplement to the basic life insurance coverage provided by the Sheriff's Office. The policies are portable, even when you change jobs or retire, as long as employee pay the necessary premium employee may continue the policy.

Available plans include:

99 Whole Life

99 Term Life

99 Universal Life

To learn more about the New York Life policies, contact New York Life's customer service.

New York Life Insurance Company Agent: Adam M. Rollins | Office: (352) 573-1519


Supplemental InsuranceAflac Aflac offers a variety of voluntary supplemental insurance plans that may be purchased separately on a voluntary basis and premiums paid by payroll deduction. Payroll deductions will be taken on a pre-tax basis for all plans. Aflac pays money directly to you, in as little as 24 hours with their “One Day Pay” claims process, regardless of what other insurance plans you may have. Certain levels of Short Term Disability, Hospital & Accident plans are Guaranteed Issue. See your Aflac representative for more details.

99 Cancer Care Plan / Classic

99 Accident Advantage

99 Hospital Advantage

99 Critical Care

99 Short Term Disability

99 Whole and Term Life up to $500K

Aflac | Customer Service: (800) 433-3036 | www.aflac.com

Agent: Sandra Cook Dillon | Phone: (239) 910-2518 Email: [email protected]

Agent: Chad Jacobsen | Phone: (561) 891-0585 Email: [email protected]

Colonial LifeColonial Life Insurance offers a variety of voluntary supplemental insurance plans that may be purchased separately on a voluntary basis and premiums paid by payroll deduction. Payroll deductions will be taken on a pre-tax basis for all plans. Colonial pays money directly to member, regardless of what other insurance plans member may have. To learn more about these Colonial plans and/or to schedule a personal appointment, contact your local Colonial agent. Details regarding available Colonial plans and services are also available online at www.coloniallife.com.

Available plans include:

99 Accident Insurance

99 Critical Illness

99 Life Insurance

99 Gun Shot Wound

99 Cancer Insurance

99 Short Term Disability

Colonial Life Insurance | www.coloniallife.com Agent: Lee Boyette | Phone: (941) 780-5886

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Supplemental Legal InsuranceLegalShieldThe Sheriff's Office offers employees the opportunity to participate in a voluntary legal insurance program provided by LegalShield. The LegalShield Membership Includes:

• Legal Advice – personal and business legal issues• Letters/calls made on your behalf• Contracts and documents reviewed (up to 10 pages)• Lawyers prepare your Will, your Living Will and your Health Care

Power of Attorney• Moving Traffic Violations (available 15 days after enrollment) • IRS Audit Assistance • Trail Defense (if named defendant/respondent in a covered civil

action suit)• 25% preferred Member Discount (Bankruptcy, Criminal Charges,

DUI, Other Matters, etc.)• 24/7 Emergency Access for covered situations

IDShieldThe IDShield Membership Includes:

Privacy Monitoring: Monitoring your name, SSN, date of birth, email address (up to 10), phone numbers (up to 10), driver license & passport numbers, and medical ID numbers (up to 10) providers you with comprehensive identity protection service that leaves nothing to chance.

Security Monitoring: SSN, credit cards (up to 10), and bank account (up to 10) monitoring, sex offender search, financial activity alerts and quarterly credit score tracking keep you secure from every angle. With the family plan, Minor Identity Protection is included and provides monitoring for up to 8 children under the age of 18.

Consultation: Your identity protection plan includes 24/7/365 live support for covered emergencies, unlimited counseling, identity alerts, data breach notifications and lost wallet protection.

Full Service Restoration: Complete identity recovery services by Kroll Licensed Private Investigators and our $5 million service guarantee ensure that if your identity is stolen, it will be restored to its pre-theft status.

Coverage Employee Cost(Per Pay Period Deduction)

LegalShield Plan $6.90

IDShield $11.49

LegalShield | www.legalshield.com Agent: Rebecca Smith or Kenn Terry | Office: (800) 729-7998

Email: [email protected] | www.8007297998.com

U.S. Legal ServicesThe Sheriff's Office offers employees the opportunity to participate in a voluntary legal insurance program provided by U.S. Legal Services. By enrolling in the plan, participants will have direct access to attorneys who will provide services for a variety of situations that include:

99 Divorce

99 Child Custody & Support

99 Adoption

99 Civil Litigation

99 Bankruptcy

99 Name Changes

99 Criminal Defense

99 Traffic Tickets

99 Wills & Living Trusts

99 Real Estate

99 Contract Review

The cost to the employee to participate in this legal plan is $18.75 per month. This includes coverage for the employee, spouse and dependent children to age 26, if enrolled in an accredited college or university full-time. Plan benefits include phone and face-to-face consultations with the attorney, and much more.

To learn about the plan, please contact the Sheriff's Office U.S. Legal Services’ representative, Dixie Kuehn, using the contact information provided below.

U.S. Legal Services | www.uslegalservices.net Agent: Dixie Kuehn | Office: (321) 799-2986 | Mobile: (321) 403-0156


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Florida Retirement SystemEmployees have a choice of two FRS retirement plans: the FRS Investment Plan and the FRS Pension Plan. Each Plan offers different benefits. Both plans require employee to contribute 3% of salary, beginning with employee’s first paycheck. Employee cannot change the amount contributed. The Sheriff’s Office also contributes a fixed percentage of employee’s gross salary to the plan elected. Contribution rates are set by the Florida Legislature. For complete plan details, refer to the Summary Plan Descriptions on MyFRS.com.

Investment Plan Pension PlanThis is a … 401(k)-type investment plan.

It is designed primarily for employees who want greater control over their retirement plan and who want flexibility in how their benefit is paid at retirement.

Traditional retirement pension plan.It is designed for employees who are not comfortable with choosing investments and managing their own portfolio, and who want a guaranteed monthly retirement benefit.

Employee qualify for a benefit after … 1 year of service.Once employee completes one (1) year of service, employee owns all contributions and earnings in their account. If employee leaves FRS employment sooner, employee owns contributions and any earnings on their contributions.

8 years of service.Once employee completes eight (8) years of service, employee qualifies for a benefit which is payable when employee reaches retirement age as defined by the plan. If employee leaves FRS employment sooner, employee owns contributions.

Plan investment choices are made by … You.You are responsible for choosing investments from a diversified set of funds and for managing your account.

The State.The State is responsible for managing the Pension Plan Trust Fund.

Your benefit is … Based on your account balance. Your account balance is based on your and your employer’s contributions, the performance of your investments, and account fees and expenses.

Based on a formula. Your benefit is guaranteed and is based on a formula using your salary, years of service, FRS membership class, and age.

When you retire, your benefit can be paid to you as …

A lump sum, a rollover, an annuity, a customized payment schedule,or any combination of these.

Monthly payments for your lifetime. You will have options that provide continuing payments to your qualified beneficiary after your death.

Who contributes to the plan? Both plans require you to contribute 3% of your salary, beginning with your first paycheck. You cannot change the amount you contribute. Your employer also contributes a fixed percentage of your gross salary to the plan you choose. Contribution rates are set by the Florida Legislature.

What happens if I work long enough to qualify for a benefit, but leave and go to work for …

… another FRS-participating employer?You remain enrolled and contributions will continue to be made to your account.

You remain enrolled and your benefit will continue to grow.

… an employer that doesn’t participate in the FRS?You will have the option of leaving your money in the plan or taking a distribution.

Your benefit will be frozen until you either begin receiving monthly retirement benefits or return to an FRS-participating employer.

Is there a survivor benefit if I die in the line of duty? Yes. Yes.

Will my benefit payments be adjusted to reflect increases in the cost of living?

Only if you purchase a fixed annuity that offers it. No.

Would I be eligible to participate in the Deferred Retirement Option Program (DROP)?

No. Yes, as of your normal retirement date.

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Florida Retirement System (Continued)

Investment Plan Pension PlanWould I receive the Health Insurance Subsidy (HIS) to help me pay for health insurance in retirement?

Yes, if you satisfy the service requirements. Yes, if you satisfy the service requirements.

Are there any benefits if I become permanently disabled?

Yes. Yes.

Once I’m enrolled in one plan, can I switch to the other?While you are actively working for an FRS-participating employer, regardless of the plan you choose, you may switch plans once by using your 2nd Election. Reemployed retirees in the Investment Plan as of July 1, 2017 or after are not eligible to use a 2nd Election.

Yes. If you are actively working, earning salary and service credit, you can switch from the Investment Plan to the Pension Plan. You will have to buy into the Pension Plan, using the money in your Investment Plan account. If your balance doesn’t cover the cost, you will have to make up the difference out of your own pocket.

Yes. If you are actively working, earning salary and service credit, you can switch from the Pension Plan to the Investment Plan. You may either leave your Pension Plan benefit in place (if you have at least 8 years of service) or transfer it into the Investment Plan. Transferred amount is subject to the Pension Plan’s vesting requirements.

This publication is a summary of the retirement options available to new FRS-covered employees and is written in non-technical terms. It is not intended to include every program detail. Complete details can be found in Chapter 121, Florida Statutes, the rules of the State Board of Administration of Florida in Title 19, and the Department of Management Services in Title 60, Florida Administrative Code. In case of a conflict between the information in this publication and the statutes and rules, the provisions of the statutes and rules will control. Before you make an election or select any investment funds, you should review the Fund Profiles, the Investment Fund Summary, and the Annual Fee Disclosure Statement posted in the “Investment Funds” section on MyFRS.com.

If a retirement plan choice is not received by the choice deadline, the member will default as follows:

Date Initially Enrolled in the FRS Membership Class Plan DefaultPrior to January 1, 2018 All Classes Pension Plan

On or After January 1, 2018 Special Risk Class Pension Plan

On or After January 1, 2018 All Classes Except Special Risk Class Investment Plan

MyFRS Financial Guidance Line(866) 446-9377 (TRS 711), toll-free 9:00 a.m. to 8:00 p.m. ET, Monday through Friday, except holidays (Division of Retirement available 8:00 a.m. to 5:00 p.m. ET)

• Option 1: Speak with experienced EY financial planners about making an initial or 2nd Election, or get assistance with your MyFRS.com PIN or with other information available on MyFRS.com.

• Option 2: Speak with experienced EY financial planners about any issue employee think is important to your financial future. These planners work for employee.

• Option 3: Speak with the Division of Retirement about your Pension Plan account. • Option 4: Speak with the Investment Plan Administrator about your Investment Plan account.

FRS | MyFRS Financial Guidance Line: (866) 446-9377, Option 1 (TRS 711) | www.myfrs.com

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Supplemental Retirement Plans Deferred Compensation Retirement PlansDeferred compensation retirement plans are governed by Section 457 of the Internal Revenue Service (IRS) Code. Sheriff's Office employees have the option of selecting a wide variety of market-responsive investment options for retirement planning and asset allocation strategizing. Employees may contribute 100% of salary up to $18,000 (participants 50 years of age or older may contribute an additional $6,000). Choice of programs to select from include AXA, Mass Mutual, Nationwide and Valic.

AXA Agent: Colin Kelly | Phone: (937) 269-9331

Email: [email protected] Agent: Jim Reddington | Phone: (239) 560-4618


Mass Mutual Agent: Stephen Thomas | Phone: (239) 303-3782


Nationwide Agent: Erika Speight | Phone: (239) 778-4382

Email: [email protected] www.nrsforu.com

Valic Agent: John Donnelly | Phone: (763) 438-3135


NotesUse this section to make notes regarding personal benefit plans or to keep track of important information such as doctor’s names and addresses or prescription medications.

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NotesUse this section to make notes regarding personal benefit plans or to keep track of important information such as doctor’s names and addresses or prescription medications.

FINAL Last Modified: November 30, 2017 10:25 AM

4200 Northcorp Parkway, Suite 185Palm Beach Gardens, Florida 33410

Toll Free: (800) 244-3696 | Fax: (561) 626-6970www.gehringgroup.com

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