Page 2 - 2013-14 NCACU Benefits & Notices
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North Central Area CU 2013-14
Table of Contents
Introduction ........................................................................................................................................ 3
Changing Your Benefits ....................................................................................................................... 3
Newborns’ & Mothers’ Health Protection ............................................................................................ 4
Women’s Health & Cancer Rights Act (WHCRA) ................................................................................... 4
Protecting Your Privacy ....................................................................................................................... 4
Michelle’s Law .................................................................................................................................... 4
New Health Insurance Marketplace Coverage Options and Your Health Coverage................................ 5
Medical Coverage ............................................................................................................................... 8
Waiver of Medical Coverage – Opt Out Option .................................................................................... 8
Dental Coverage ............................................................................................................................... 10
Vision Coverage ................................................................................................................................ 11
Health Reimbursement Arrangement (HRA) ...................................................................................... 12
Basic Life/AD&D Coverage ................................................................................................................ 13
Short Term Disability (STD) Coverage ................................................................................................ 13
Long Term Disability (LTD) Coverage ................................................................................................. 14
Employee Contributions .................................................................................................................... 15
For More Information About Our Coverage ....................................................................................... 15
Notice of Creditable Coverage for Medicare Rx .................................................................................. 16
Under Medicaid and the Children’s Health Insurance Program (CHIP) Premium Assistance ................. 18
Summary of Benefits Coverage – Active Employee Plan ..................................................................... 21
Summary of Benefits Coverage – Retiree Plan .................................................................................... 29
Notes ................................................................................................................................................ 37
Information about Medicare
If you have Medicare or will become eligible for Medicare within the next 12 months, a new Federal law
gives you more choices about your prescription drug coverage. Please see pages 16-17 for details.
Important Note
This Benefits Enrollment Guide is only a brief summary of your benefits. It is not intended to provide a complete description of each plan.
Please refer to the Summary Plan Description and any other official documents for complete information about each benefit. We have tried to
ensure its accuracy but if there is any discrepancy between the benefits discussed in the guide and the official plan documents, the official plan
documents will rule. The company reserves the right to amend or terminate the Plan at any time and for any reason. The information in the
guide and accompanying materials applies to the NCACU Employee Benefit Plan, Plan Number 501, and meets the requirements for a
Summary of Material Modification as required by the Employee Retirement Income Security Act (ERISA).
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