2023
Benefits at a Glance
The Agency offers 2 medical plans from CBA Blue. The plans are called Silver and Gold. The Silver plan is paired with the Accident Plan at no cost to the employee. The Agency contributes a portion to all plans. Medical Contributions are displayed below for the various hourly classes. For more information please contact Human Resources.
Summary of Benefits & Coverages (SBC)
Contributions
Eligibility
Employees working a minimum of 30 hours per week are eligible to enroll on the first of the month following/coincident with one month of eligible employment. After initial enrollment, this benefit will need to be elected every year during Open Enrollment.
Contact Information
www.cbabluevt.com
(888) 222-9206
CBA Information
CBA Blue LIVE Telemedicine
CBA Blue LIVE provides members with convenient, quality medical consultations via telephone, secure video, and secure email. Health care professionals can evaluate and diagnose many common conditions and recommend treatment plans, including a prescription called into the pharmacy of choice. There are numerous benefits to telemedicine: immediate access to care, no time spent in a waiting room, no transportation time, less time away from work, and privacy assurance.
Pharmacy Information
The Agency offers two contributory dental plans. The two plans are a low plan, and a high plan.
Northeast Delta Dental Videos
Contributions
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 1 month of employment.
Children are covered to age 26 (coverage expires the last day of birth month).
The Agency offers their employees a voluntary vision benefit.
Contributions
Eligibility
All full-time employees who work at least thirty (30) hours per week are eligible for coverage the first of the month following 1 month of employment
Children are covered to age 26 (coverage expires the last day of birth month).
Flexible Spending and Dependent Care Accounts
All employees are eligible to enroll for the first of the month following 1 month of employment.
General Medical Reimbursement Account
An FSA is an annual election that can be deducted from your pay pre-tax in equal increments throughout the year. FSA Dollars are available immediately at the start of the plan year (January 1st). The annual election amount is chosen by the employee up to a maximum of the IRS limit per year. You have until March 31st of each year to submit for reimbursement claims from the previous year.
You will have until March 15 of the following calendar year to incur expenses to use your FSA balance. All reimbursement requests must be received by March 31st.
You may use your contributions to pay for unreimbursed/uncovered medical, dental and vision expenses. Maximum contribution amount is up to the IRS limit.
Dependent Care Account
FSA Dependent Care Funds can only be reimbursed as they are taken from your paycheck. The annual election amount is chosen by the employee up to a maximum of the IRS limit dependent on your tax filing status.
You may use these contributions to pay for expenses associated with providing care to children under age 13. Any unused dollars will be forfeited.
Please Note: Over the Counter (OTC) medications (Tylenol, Advil etc.) are not reimbursable through the FSA without a prescription. All claims for OTC medications, with a prescription, must be submitted manually. You will not be able to purchase these items with your card. You may still purchase Over the Counter supplies (Saline contact solution, bandages, etc.) without a prescription and you may use your card for these items.
Limited-Purpose FSA
Employees may pair an LPFSA with their HSA. The LPFSA allows you to make contributions on a pre-tax basis. This allows you to maximize your pre-tax HSA contributions and contribute additional dollars.
The maximum contribution is $1,000. This can be used for dental and vision expenses only.
Health Reimbursement & Health Savings Accounts
All employees are eligible to enroll for the first of the month following date of hire.
Health Reimbursement Account
HRA funds are funds that may only be spent on the Deductible and Coinsurance of your CCN Medical plan. You will not be reimbursed for pharmacy or office visit co-pays. Claims for reimbursement must be submitted by March 30 of the following calendar year.
The HRA is paired with the Gold plan.
Gold Plan Benefit: CCN provides employees with $2,500/$5,000 (individual/family) on January 1st, 2023 for eligible expenses.
Health Savings Account
An HSA is available with only the Silver Plan, for a list of qualified expenses please visit here. CCN provides employees $40 per paycheck for single coverage and $80 per paycheck for any other tier of coverage. Employees may also make a maximum contribution of $3,850/$7,750 (depending on tier). If you are over the age of 55 you may make an additional contribution of $1,000.
The HSA is owned by the employee. Existing accounts can be transferred to HealthEquity using these instructions.
Choosing an HSA is only the first step. See the power of an HSA in action. We’ll share three strategies for how to spend less on healthcare and invest even more for the future.
Your HSA is like a second 401(k). It’s a powerful invest tool. Find out how to invest your HSA and build the ultimate retirement nest egg.
Take control of your health and grow your money. Discover how to use a Health Savings Account (HSA) to save on healthcare premiums and build long-term health savings.
The Agency offers employees Group Term Life and Accidental Death & Dismemberment coverage. The benefit is 1.5 times your annual earnings plus $10,000 to a maximum of $350,000.
Contributions
This is 100% paid for by Community Care Network.
Eligibility
Class I – Psychiatrists working 24 plus hours per week who are actively at work and have completed the Waiting Period are eligible for insurance.
Class 2 – All other full time employees who regularly work a minimum of 30 hours per week who are actively at work and have completed the Waiting Period are eligible for insurance.
Waiting Period: First of the month following/coinciding with 1 month of continuous employment.
The Agency offers employees Short Term Disability coverage.
Elimination Period:
14 Calendar Days for Injury / 14 Calendar Days for Accident
Benefit Amount:
60% of Basic Weekly Earnings not to exceed a weekly benefit of $2,500 – see certificate for additional details
Maximum Benefit Period due to Injury or Accident:
- the end of the disability
- the end of the 12th week of Disability for which a benefit is payable
Contributions
This is 100% paid for by Community Care Network.
Eligibility
Class I – Psychiatrists working 24 plus hours per week who are actively at work and have completed the Waiting Period are eligible for insurance.
Class 2 – All full-time Head Start Employees scheduled to support the function of a traditional school year, as determined by the employer.
Class 3 – All other full time employees who regularly work a minimum of 30 hours per week who are actively at work and have completed the Waiting Period are eligible for insurance.
Eligible employees are eligible for this coverage on the first of the month following/coincident with 1 month of employment.
The Agency offers employees Long Term Disability coverage.
Elimination Period:
The greater of:
- the end of your STD Benefits; or
- 90 days
Benefit Amount:
60% of Basic Monthly Earnings not to exceed a Maximum Monthly Benefit of $11,000 – see certificate for additional details
Contributions
This is 100% paid for by Community Care Network.
Eligibility
Class I – Psychiatrists working 24 plus hours per week who are actively at work and have completed the Waiting Period are eligible for insurance.
Class 2 – All full-time Head Start Employees scheduled to support the function of a traditional school year, as determined by the employer.
Class 3 – All other full time employees who regularly work a minimum of 30 hours per week who are actively at work and have completed the Waiting Period are eligible for insurance.
Eligible employees are eligible for this coverage on the first of the month following/coincident with 1 month of employment.
The Agency offers Voluntary Life and Accidental Death & Dismemberment to employees through Guardian.
Employees can elect a benefit amount for voluntary life and/or voluntary accidental death and dismemberment in $10,000 increments to a maximum of 5x your annual earnings up to $500,000. Any amounts over $150,000 will be subject to Evidence of Insurability.
Employees can elect voluntary life and/or voluntary accidental death and dismemberment on their spouse in $5,000 increments. The benefit must be the lesser of 100% of the Employee’s Voluntary Life benefit or $500,000. Any amounts over $25,000 will be subject to Evidence of Insurability.
Employee can elect voluntary life and/or voluntary accidental death and dismemberment on their child.
- Birth to 14 days: $1,000
- 14 days to 6 months: $1,000
- 6 months to 19 years (26 years if Full-Time Student): $2,000 increments up to $10,000.
Contributions
This is 100% Employee funded.
Eligibility
Employees working a minimum of 30 hours per week are eligible to enroll on the first of the month following/coinciding with one month of eligible employment.
The Agency offers Employees Voluntary Accident and Critical Illness coverage to employees working a minimum of 30 hours per week.
Voluntary Accident
Group Accident insurance is designed to help covered employees meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Indemnity lump sum benefits are paid directly to the employee based on the amount of coverage listed in the schedule of benefits. The accident base plan is guaranteed issue, so no health questions are required.
Voluntary Critical Illness
Critical Illness insurance is designed to help employees offset the financial effects of a catastrophic illness with a lump sum benefit if an insured is diagnosed with a covered critical illness.
Contributions
This is 100% Employee funded.
Eligibility
Employees working a minimum of 30 hours per week are eligible to enroll on the first of the month following/coinciding with one month of eligible employment.
ESI
The Agency provides all employees with an Employee Assistance Program (EAP) through ESI Employee Group, an independent, industry-leading company that specializes in total care management. EAP is a voluntary, confidential service that provides professional counseling and referral services designed to help with personal, job or family related problems.
EAP consultants are available 24 hours a day, 7 days a week, 365 days a year. Any services provided by the EAP counselors are at no charge to you or your family members.
In addition to phone-based help, a lot of information can be found online, such as self-assessment tools, interactive databases, health and wellness calculators, webinars and podcasts.
Licensed professionals provide confidential support and guidance related to:
- Family, relationship and parenting issues
- Basic child and elder care needs
- Emotional and stress-related issues
- Conflicts at work or home
- Alcohol and drug dependencies
- Personal development and general wellness issues
- Financial issues
- Legal issues
- They can also refer you for in-person counciling
The Agency’s EAP through ESI Employee Group is a confidential service. No one will know if you use the EAP-not your supervisor, the Agency, or your family members. Any information you provide to Invest EAP is confidential and cannot be shared without your explicit consent.
Contributions
This is 100% paid for by Community Care Network.
Eligibility
All employees and their household members are eligible.
While nothing can replace you, having individual life insurance can protect your loved ones financially. The Richards Group is please to offer a simplified, 100% online solution to get individual life insurance coverage.
- No in-person medical exam necessary
- Just answer a few easy questions about your current health
- View options that fit your needs and budget
- Our AI-powered recommendation engine pulls options from trusted insurance agencies tailored to you and your family’s unique situation needs.
- Select and purchase a plan
- Get qualified instantly, or schedule an online consultation to determine the best fit. No need to wait for open enrollment – your plan is active in just 1-3 weeks from initial selection.
CCN’s 401(k) plan allows you to invest in your future by saving for your retirement through convenient payroll deductions. This is one of the best ways to save for retirement because both your contributions and earnings are tax-deferred. You can choose the funds in which to invest your savings.
Contributions
Eligibility
Employees may contribute to their own tax-deferred plan through Fidelity. Upon hire, full-time employees (over the age of 21) are eligible to contribute. CCN’s employer match begins after 1 full year of active employment and contributes a dollar for every dollar deferred by the employee, up to the first 2%% of their pay, then 50 cents for every dollar of the next 4%. The maximum employer match is 4% of an employees annual salary, if they contribute 6%.
Once you are eligible you can enroll with Fidelity at www.401k.com
* For employees who are not yet 21 or those who want to save for retirement during their first year of employment, you can enroll in the 403(b) plan. Please use the attached 403(b) enrollment form.
Contact Information
Plan Provider
Phone: (800)-343-3548
** Community Care Network does not have a specific adviser for 401(k) or 403(b) services.
SmartConnect - Medicare Resource
The Richards Group has partnered with SmartConnect™, an exclusive, no-cost program created specifically to connect Medicare-eligible working adults to the world of Medicare benefits. Whether an employee plans to continue working or is transitioning to retirement, we tailor solutions designed around their needs. Our agents provide an unfiltered view of the entire range of options and prices available to the employee.
SmartConnect Contact Information
For more information or to get started, please click on the following link:
http://gps.smartmatch.com/pareto
(855) 248-1648 TTY: 711
Additional Information
The Community Care Network tuition assistance program is designed to help employees pay back student loan debt and improve their financial well-being.
Utilizing Community Care Network’s relationship with The Richards Group, consultation services provided through GradFin are provided free of charge. GradFin is a new employee benefit program that is revolutionizing the way employees can reduce their student loan debt.
GradFIN will provide
- One-on-one education consultations with GradFin Consultation Experts to review your current loan status and discuss personalized payoff options to save on your loans.
- GradFin will offer a competitive interest rate reduction when you refinance your loans.
- GradFin will offer the lowest interest rates in the industry through their lending platform which is made up of ten lenders to maximize the chances that you will be approved for a new loan.
For more information or to schedule a one-on-one consultation visit: https://gradfin.com/platform/trg/
Contact Information
GradFIN
For more information or to schedule a 15-minute appointment with a GradFin Consultation Expert click HERE!
Phone: (844) GRADFIN
Plan Information
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