EMPLOYEE BENEFITS GUIDE 2022 - Lockton Employee Connects
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EMPLOYEE
BENEFITS GUIDE
2022
Your Work Makes A Difference Choose Benefits That Work For You 2 | National Church Residences 2022 Benefits Guide
Discover Your Benefits
OUR COMMITMENT TO YOU
We’re working hard at National Church Residences to focus on the whole you—
physically, financially, spiritually, and emotionally. We know your benefits play an
important role in your being your best every day. We search out meaningful options,
so you can customize your benefits to fit your life, wherever you are in the journey.
Consider your options carefully.
This guide provides a general overview of all your benefits. Take time to read it.
Understand your options. Plan thoughtfully.
It’s important you understand the value of your benefits and get the most
out of them.
Care for your health Protect your future Find balance in your Other important
and wellbeing and finances work and life information
Medical and Life and Disability..........18 Wellbeing Eligibility and
Prescription................7–11 Program.................... 22–23 Enrollment.................... 4–5
Supplemental Life.........19
Health Savings Other Programs Talk with ALEX.................. 6
Accident Insurance.......19
Account.............................12 and Perks..........................24
Who to Contact
Hospital Indemnity.......20
Dental................................13 with Questions...............25
Critical Illness..................20
Vision.................................14
Retirement Savings
Value of Your Benefits..15
Plan.....................................21
Flexible Spending
Accounts...........................16
Budget for Your Care.....17
National Church Residences 2022 Benefits Guide | 3
Eligibility and
Enrollment
Who’s Eligible? When Can You Enroll or Make Changes?
Full-time employees As a new employee
F ull-time employees paid for 30+ hours per week Enroll within 45 days of your hire date. Coverage
O ther employees paid for an average of 30 hours starts the first day of the month after your 30th day
per week during the annual measurement period of employment.
(as defined in the Affordable Care Act)
During Open Enrollment
Dependent family members Enroll or make changes each fall. Your new coverage
– Legally married partner starts on January 1 the following year.
– Children up to age 26, or of any age if disabled When your life changes
before age 26 Make changes mid-year within 30 days after a
You are required to provide proof of eligibility for all qualifying life event. Your new coverage starts on
dependents being enrolled in coverage. The required the date of the event.
documents are provided within the enrollment Qualifying life events include:
process in Workday. You can also view the requirements
M arriage, divorce or legal separation
on the benefits portal at this web address:
employeeconnects.com/nationalchurchresidences B irth/adoption/guardianship/legal custody
C hange in dependent care arrangements
D eath of a dependent
D ependent under age 26 has become disabled
L oss or gain of coverage under Medicaid/CHIP or
Part-time and Contingent Employees
Medicare (you have 60 days to make this change)
If you are paid for 20–29 hours per week, you’re eligible
for supplemental life, accident insurance, critical illness, C hange in employment status
hospital indemnity, EAP, the wellbeing program, and L oss of other coverage
paid time off. O btained coverage elsewhere
C hange HSA contributions
If you’re Contingent and/or paid less than 20 hours
C hange beneficiaries
per week, you’re eligible for the EAP, the wellbeing
program, and paid time off. C ancel optional post-tax insurance coverage
For the Retirement Savings Plan, you are eligible All requests for benefit changes will be reviewed to
to contribute to the plan. As of January 1, 2022, all ensure they are consistent with the occurring life event.
eligible employees will receive company contributions. Medical underwriting may be required for certain
Learn more on page 21. elections. You will receive an email from The Hartford
and/or Guardian with instructions on how to complete
the Evidence of Insurability questionnaire.
National Church Residences reserves the right to make changes to or to terminate any of the National Church Residences employee benefit plans at any
time, without prior notice to or consent from any employee, former employee, or participant. If there is any inconsistency between this document and the
official plan documents and contracts governing the terms of the National Church Residences employee benefit plans, the official plan documents and
contracts will control.
The terms “you” and “your” as used in this document refer to a National Church Residences employee who meets all the eligibility and participation
requirements under the various plans and programs discussed in this document as the case may be. Receipt of this document does not guarantee that
the recipient is a participant under one or more of the National Church Residences employee benefit plans or otherwise eligible for benefits under one
or more of the National Church Residences employee benefit plans.
4 | National Church Residences 2022 Benefits Guide
How to Enroll
To enroll in your benefits, log into Workday and First Time Enrolling?
follow the steps below: If you have a National Church Residences
1) Need to add a dependent or beneficiary? Navigate email address:
to the Benefits app on the Home Page, click on Navigate to: https://ncr.okta.com.
Dependents and/or Beneficiaries under "Change",
Username = characters before the @ sign in
and enter the required information. Complete this
your email address (For example, email address
step before completing Open Enrollment.
jsmith2@nationalchurchresidences.org =
2) Navigate to your Inbox and find the Open username jsmith2)
Enrollment task. Click on "Let's Get Started".
Password = current password used to login to
3) Click on each "Card" within the enrollment to your email/computer
review your plan options, add/change dependents,
add/change beneficiaries, and make your elections. If you DO NOT have a National Church
4) Once you've made all your selections, click Residences email address:
"Review and Sign". Review the summary, then 1) Call the Prelude Service Desk at 800-579-1047.
scroll to the bottom, check "I Accept" and then
2) Navigate to: https://ncr.okta.com.
"Submit". Be sure to PRINT or SAVE your Confirmation
Statement for your records. 3) Enter your credentials and follow the steps
Navigate in Okta to the Workday Resource Site then Benefits tab to to complete your profile.
locate the Job Aid for Open Enrollment for help with enrolling.
When Do Your Benefits End?
The timing depends on the reason your coverage is ending.
REASON COVERAGE ENDS
Covered child ages out of eligibility End of the month in which your child turns age 26
Employment ends with the company End of the month in which you stop working (most
plans)
Hours worked fall below Affordable Care Act limit End of the year (December 31)
Missed premium payment for over 60 days Last pay date for which you made a payment
Make note! Benefits are voluntarily elected and by doing so, you are authorizing National Church Residences
to deduct premiums from your paycheck. If you miss a paycheck, we will deduct the missed premiums from
subsequent paychecks. After 60 days without a premium payment, you will need to make payment arrangements
or coverage may end.
Benefits Center
833-226-8355
QUESTIONS? Monday through Friday
9 a.m. to 5 p.m. EST
employeeconnects.com/nationalchurchresidences
National Church Residences 2022 Benefits Guide | 5TALK WITH ALEX
Meet ALEX at myalex.com/national-church-residences/2022.
ALEX makes it easy and fun to understand all of your benefits options, and
helps you choose the plans that make the most sense for you and your family.
You have
three How about Want to increase
medical plan vision your take-home pay?
options to insurance? Fund an HSA or FSA.
choose from.
Enrolled in Good news!
Talk with ALEX, National Church
your personal the HDHP?
National Church Want Residences
benefits counselor. dental provides basic
Residences will
contribute to insurance? life and AD&D
your HSA. insurance AT NO
COST.
National Church Protect yourself against
Residences provides the financial burden of an National Church
a wellbeing program, accident, illness, or hospital Residences provides
Wellness Your Way, stay. Optional insurance disability insurance
AT NO COST. coverage is available. AT NO COST.
National Church
Residences will The good news just keeps Protect your family.
contribute to coming! National Church Supplemental
your retirement Residences provides an life insurance is
based on your employee assistance program available.
years of service AT NO COST.
FINISH
Visit ALEX can help! Look for this icon
employeeconnects.com/ QUESTIONS? placed next to items that ALEX
nationalchurchresidences
to enroll. can explain in more detail.
QUESTIONS?
6 | National Church Residences 2022 Benefits GuideMedical and
TALK
WITH
ALEX
Prescription
You have three plan options and expert guidance from MyQHealth
Learn how the three options compare in costs and coverage. One of the options
includes a health savings account (HSA) which we contribute to. Learn more about
the HSA on page 11.
All Medical Options Feature Meet Your Problem Solvers,
1
00%-paid in-network preventive care Frustration Fighters:
D
octors and facilities from the same
MyQHealth
UnitedHealthcare Choice Plus network (when you MyQHealth is a team of nurses and benefit experts
choose a Premium Provider, you could save even devoted to fighting for your care so you don’t have to.
more money) As your primary contact for medical and prescriptions,
P rescription benefits through OptumRx they can:
E xpert guidance and advocacy from MyQHealth F ind the best doctor or specialist close
to you
Estimate the cost of an upcoming procedure
Find a Network Doctor, Facility, or
Retail Pharmacy Explain a medical bill or insurance statement
Search the UnitedHealthcare Choice Plus or OptumRx Send you a replacement ID card
networks on the MyQHealth app. Also, use the app to Wait there’s more!
look up lower cost alternatives for your medications
They can also:
even while at the doctor’s office.
Dispute a claim on your behalf
Research treatment options you didn’t know existed
Offer ideas for reducing unnecessary costs
They’re here for you... when your sweet angel
is newly diagnosed with diabetes and you don’t
know what to do first.
When you need to decide if you should go
through with a procedure and you have so many
questions, especially how much does it cost?
Or, if you simply need a replacement ID card.
Whatever you need.
MyQHealth can help.
Help is just a tap, click, or call away.
nationalchurchresidencesbenefits.com
877-498-1385
MyQHealth app
National Church Residences 2022 Benefits Guide | 7PREVENTIVE CARE
In-network preventive care is 100% free for medical plan What is preventive care?
members. Preventive health care is meant to detect issues
at an early stage when treatment is likely to work
You won’t have to pay anything out of your pocket when
you receive in-network preventive care. Practice preventive best and prevent future health problems.
care and reap the rewards of a healthier future. Why is preventive care important?
Some services are generally not considered preventive It’s important that you have a preventive health
if you get them as part of a visit to diagnose, monitor, or exam each year—even if you feel healthy and are
treat an illness or injury. Please be aware that you will be symptom free—to identify future health risks.
responsible for the cost of any non-preventive care
services you receive at your preventive care exam based on What’s covered?
your plan design. Covered preventive services vary by age and
gender. Talk with your provider to determine
Learn more about preventive care by reaching out to
which screenings, tests, and vaccines will be
MyQHealth.
covered and that are right for you.
TALK
KEY TERMS TO KNOW WITH
ALEX
Copay
A fixed dollar amount you may pay for certain covered services. Typically, your copay is due at the
time of service.
Deductible
The amount you must pay each year for certain covered health services before your insurance plan
will begin to pay.
Coinsurance
After you meet your deductible, you may pay coinsurance, which is your share of the costs of a
covered service.
Out-of-pocket maximum
This includes copays, deductibles, and coinsurance. Once you meet this amount, the plan pays
100% of covered services the rest of the year.
8 | National Church Residences 2022 Benefits GuideTALK
WITH
HOW THE PLANS WORK ALEX
KEY FUNCTIONS PPO EPO HDHP
Out-of-network benefits Yes. No. Yes.
Yes, you can fund a health
Pay for care with pre-tax Yes, you can fund a health care Yes, you can fund a health care
savings account (HSA) and/or
dollars and/or dependent care FSA. and/or dependent care FSA.
dependent care FSA.
Yes. National Church Residences
contributes to an HSA in January
National Church Residences
to help you pay for covered
contributes money into an
No. No. expenses. If you enroll mid-year
account to help you pay for
you should expect your prorated
out-of-pocket expenses
contribution within 30 days of
your coverage effective date.
You will pay the individual You will pay the individual You will pay the individual
deductible amount for each deductible amount for each deductible amount for each
family member but only up family member but only up family member but only up
to the Family deductible and to the Family deductible and to the Family deductible and
Individual deductible
Out-of-pocket max. If one Out-of-pocket max. If one Out-of-pocket max. If one
applies if you cover your
member reaches the family member reaches the family member reaches the family
family
deductible and/or out-of-pocket deductible and/or out-of-pocket deductible and/or out-of-pocket
max, then they are met and no max, then they are met and no max, then they are met and no
other individual must meet the other individual must meet the other individual must meet the
individual amounts. individual amounts. individual amounts.
You pay coinsurance
How you pay for physician You pay copays You pay copays
(a percentage of the total cost)
services (a set dollar amount). (a set dollar amount).
after you meet your deductible.
Are You Covering Your Spouse and/or Children?
If you elect employee + spouse, employee + child(ren), or family coverage, the individual deductible and out-of-pocket
maximum apply to each covered member of the family (capped at family amount).
OMADA
Omada is a digital lifestyle change program that inspires healthy habits that last. We combine the latest technology
with ongoing support so you can make the changes that matter most—whether that’s around eating, activity, sleep,
or stress. It’s an approach shown to help you lose weight and reduce the risks of type 2 diabetes, hypertension, heart
disease, and more.
Omada features include:
Interactive program to guide your journey. Professional health coach for added support.
Wireless smart scale to monitor your progress. Small peer group to keep you engaged.
Weekly online lessons to empower you.
If you are at risk and enrolled in a medical plan, Omada is available AT NO COST to you. Fees may apply if seeking
musculoskeletal resources.
National Church Residences 2022 Benefits Guide | 9COMPARE THE PLANS
This is a summary of in-network coverage. You will pay less for your care when you visit a Premium Designated Provider
(PDP). For details visit employeeconnects.com/nationalchurchresidences.
IN-NETWORK BENEFITS PPO EPO HDHP
$600 Single
HSA Company Contribution N/A N/A
$1,000 All other levels
Annual Deductible $2,500 Single $3,000 Single $4,000 Single
$5,000 Family $6,000 Family $8,000 Family
Out-of-Pocket Maximum $5,500 Single $6,000 Single $6,000 Single
$10,000 Family $12,000 Family $12,000 Family
Coinsurance 20% after ded. 20% after ded. 20% after the ded.
Preventive Care Plan pays 100% Plan pays 100% Plan pays 100%
(ded. waived) (ded. waived) (ded. waived)
Office Visits
Primary Care Provider (Including telemedicine visits) PDP: $10 copay PDP: $10 copay PDP: 0% after ded.
Non-PDP: $30 copay Non-PDP: $30 copay Non-PDP: 20% after ded.
Specialist (Including telemedicine visits) PDP: $20 copay PDP: $20 copay PDP: 0% after ded.
Non-PDP: $60 Non-PDP: $60 copay Non-PDP: 20% after ded.
Teladoc Plan pays 100% Plan pays 100% 0% after ded.
Hospital Services
Inpatient 20% after ded. 20% after ded. 20% after ded.
Outpatient 20% after ded. 20% after ded. 20% after ded.
Diagnostic Lab/X-ray 20% after ded. 20% after ded. 20% after ded.
High Tech Services (MRI, CT Scans, PET)
Free Standing Facility $150 copay $200 copay 0% after ded.
Hospital 20% after ded. 20% after ded. 20% after ded.
Emergency Room $400 copay $400 copay 20% after ded.
Urgent Care $30 copay $30 copay 20% after ded.
PRESCRIPTION DRUGS 1
Administered through OptumRx
31-day retail, 90-day Home Delivery, or Retail 90 (Medicare-creditable coverage)
Ded. then:
Tier 1 $10 copay $10 copay $10 copay
Tier 2 $35 copay $35 copay $35 copay
Tier 3 $70 copay $70 copay $70 copay
Tier 4 $300 copay $300 copay $300 copay
Mail Order (90 days) 2.5x retail copay 2.5x retail copay 2.5x retail copay
(1) If you take a maintenance medication, such as for cholesterol or blood pressure, you are allowed two fills at a local pharmacy. You then must switch to OptumRx
Home Delivery or a Retail 90 pharmacy. If you want to continue at your local pharmacy, call OptumRx first, otherwise you will pay 100% of the medication cost.
Save Money on Your Prescriptions Choose a Premium Designated
with Home Delivery or Retail 90 Provider for Your Care
Get a 90-day supply for 2½ copays. A Tier 1 drug When you choose a Premium Designated Provider
will cost you only $25 for a three-month supply. for your in-network care, you pay less and
OptumRx Home Delivery offers convenience with maximize your benefits.
auto refills so you'll never miss a dose. Find a Premium Designated Provider by reaching
Sign up for home delivery through the out to MyQHealth.
MyQHealth app.
10 | National Church Residences 2022 Benefits GuideMANAGING YOUR HEALTH CARE COSTS
When facing an unexpected medical condition, you may think of going to the emergency room first. But this may not
be your best choice. At the emergency room (ER), true emergencies are treated first, and other cases must wait—
sometimes for hours. And it will cost you more to get care at the ER than at your physician’s office or urgent care center.
If you are not sure where you should receive treatment, start by calling MyQHealth at 877-498-1385. In the case of a
true medical emergency, call 911.
MOST EXPENSIVE LEAST EXPENSIVE
Emergency Room Urgent Care1 PCP Office Visit Teladoc Services
In the case of a true Sometimes you may If it’s not urgent, it’s usually Employees enrolled in
medical emergency, need care fast. If your best to go to your primary the medical plans have
go to the ER or call 911 primary care physician care physician. He or she 24/7 access to licensed
immediately. is unavailable, try an can provide follow-up physicians through
Seek immediate in-network urgent care care and refer you to a Teladoc. Teladoc is an easy
attention at an ER for: center, which will be faster specialist, if needed. way to get care when your
Chest pain and less expensive than Visit your doctor for: doctor’s not in.
the ER. Preventive care The doctors can treat you
Sudden weakness or
trouble talking An urgent care center is Height and weight check right from your phone,
prepared to treat things tablet, or computer. It’s
Difficulty breathing Blood pressure check
like: more convenient than
Spinal injuries Annual flu shot and other urgent care—no driving
Sore throats
Severe head injury immunizations and no waiting.
Rashes
Major broken bones Non-emergency illnesses Schedule a visit for non-
Sprains
Major burns Coughs or the flu urgent matters such as:
Strains lasting more than a few
Sudden change in vision Cold and flu symptoms
Small cuts days
Heavy bleeding Allergies
Minor infections Minor cuts that may
Large open wounds Sinus infections
Minor broken bones need a few stitches
(e.g., finger) Bronchitis
Urinary tract infections
Diarrhea
Your cost: Your cost: Your cost: Your cost:
$$$ $$ $ FREE
2
(1) Know before you go: Please be sure to determine whether the facility you are visiting for your care is considered an Urgent Care center or
an Emergency Room (ER)—many freestanding facilities are now considered ERs and you will pay a much higher cost at these facilities. (2) The
amount HDHP members pay for Teladoc services is subject to deductible.
Please note: This list is a sample of services and is not intended to be all inclusive. Costs are not tied to specific conditions or treatments,
and out-of-pocket costs may vary.
National Church Residences 2022 Benefits Guide | 11Health Savings TALK
Account (HSA)
WITH
ALEX
Available with the high-deductible health plan (HDHP), administered by HSA Bank
An HSA is a savings account that you can use to pay out-of-pocket health care expenses with pre-tax dollars.
National Church Residences Contribution
If you enroll in the HDHP, National Church Residences will help you save by contributing to your account. And
new for 2022, these funds will be funded up front by the 2nd pay of 2022. For new hires who enroll mid-year, your
contribution will be pro-rated based on when your coverage is effective.
Employee-only: $600 All other coverage levels: $1,000
2022 IRS HSA Contribution Maximums
Contributions to an HSA, including those of National Church Residences, cannot exceed the IRS allowed annual
maximums.
Individuals: $3,650 All other coverage levels: $7,300
If you are age 55+ by December 31, 2022, you may contribute an additional $1,000.
HSA Eligibility
You are eligible to fund an HSA if:
You are enrolled in the HDHP.
You are NOT eligible to fund an HSA if:
You are covered by a non-HSA eligible medical plan, health care FSA, or health reimbursement arrangement.
You are eligible to be claimed as a dependent on someone else’s tax return.
You are enrolled in Medicare, TRICARE, or TRICARE for Life.
Refer to IRS Publication 969 for additional eligibility details. If you are over age 65, please contact Human Resources.
Save Receipts
Although you don't need to submit receipts for reimbursements because you control the money in your account, the
IRS may request proof of valid HSA spending. Be sure to keep your receipts for up to seven years.
HSA Bank
QUESTIONS? alexhsa.com
833-223-5601
12 | National Church Residences 2022 Benefits GuideDental
TALK
WITH
ALEX
Coverage administered by UMR
Regular, professional dental care is important for more than just good
health—it can also prevent serious, costly concerns. Our dental benefits
encourage early exams and prompt treatment through regular checkups.
BENEFITS COVERAGE
IN-NETWORK AND Find a Network
OUT-OF-NETWORK* Dentist
Annual Deductible $100 per person Via the MyQHealth
$300 max per family app or website, scroll
Annual Maximum (excluding orthodontia) $2,000 per person to Benefits and click
Diagnostic Services on "View Benefits",
Covered 100%
Periodic oral evaluations, labs, other diagnostic tests then click on the
Preventive Services link to UMR under
Cleaning, fluoride treatments (preventive), sealants, Covered 100% Dental. Once on
space maintainers the UMR site, click
Basic Services "Find a provider" in
Restorations, simple extractions, inlays, onlays, You pay 20% after the deductible the left-hand menu.
crowns, oral surgery, periodontics, endodontics Choose the dental
Major Services radio button. Outside
Dentures, removable prosthetics, fixed partial You pay 20% after the deductible of MyQHealth, go to
dentures (bridges), implants umr.com and search
Orthodontia Services the UnitedHealthcare
You pay 50% after the deductible
For adult and children Dental National
Orthodontia Lifetime Maximum $5,000 per person Options PPO 30
*The out-of-network percentage is based on the usual and customary fees in the geographic areas in network.
which the expenses are incurred.
Keep Your
Pearly Whites
White
The plan covers
two cleanings a year
at no cost to you.
If you’re pregnant,
go an extra time. You
get three cleanings.
UMR
QUESTIONS? umr.com
800-826-9781
National Church Residences 2022 Benefits Guide | 13Vision
TALK
WITH
ALEX
Coverage administered by VSP
With the National Church Residences plan, you can see any eye care professional,
but you’ll get the best value by visiting a VSP eye care provider. You’ll also get
discounts on additional services.
BENEFITS COVERAGE IN-NETWORK Find Network
Well Vision Exam (once a year) You pay $10 copay Eye Care
Prescription Glasses (instead of contacts) You pay $25 copay Search the VSP Choice
Eyeglass Frames (once a year)
network at vsp.com.
Wide selection of frames and featured frames Up to $225 allowance
Plus 20% savings over allowance
Walmart, Costco, and Sam’s Club frames Up to $95 allowance
Buy More,
Lenses (once a year)
Single vision, lined bifocal, lined trifocal, and Included with frames
Save More
polycarbonate for dependent children copay 2
0% off an additional
Lens Enhancements
pair of glasses
Polycarbonate lenses for adults, scratch-resistant Covered in full 2
0% off a pair of
coating, UV coating sunglasses
Progressive lenses $95 – $175 U
p to 15% off laser
Other enhancements Average 20 – 25% savings vision correction at
Contact Lens Exam (fitting and evaluation) You pay up to $50 copay contracted facilities
Contacts (instead of glasses) Up to $175 allowance
Diabetic Eyecare Plus Program You pay $20 copay Learn more at
for Covered Persons with Diabetes Limitations may apply vsp.com/specialoffers.
Services related to diabetic eye disease, glaucoma, Talk to your VSP doctor for details
and age-related macular degeneration
VSP
QUESTIONS? vsp.com
800-877-7195
14 | National Church Residences 2022 Benefits GuideValue of Your
Benefits
Your benefits at a glance
To keep health care coverage affordable, National Church Residences pays the majority of the medical, dental, and
vision premiums for you and your dependents. Your biweekly deductions per paycheck for medical, dental, and vision
coverage are shown in the table below:
EMPLOYEE EMPLOYEE + EMPLOYEE + EMPLOYEE +
ONLY SPOUSE CHILD(REN) FAMILY
BENEFIT PLANS
You Employer You Employer You Employer You Employer
pay Pays pay Pays pay Pays pay Pays
Medical
(Salary < $100,000)
PPO $105.00 $339.00 $317.00 $571.00 $258.00 $604.00 $513.00 $874.00
EPO $78.00 $340.00 $262.00 $574.00 $228.00 $584.00 $387.00 $920.00
HDHP $38.00 $377.00 $196.00 $634.00 $159.00 $648.00 $303.00 $995.00
Medical
(Salary > $100,000)
PPO $115.00 $328.00 $346.00 $541.00 $294.00 $568.00 $555.00 $832.00
EPO $88.00 $330.00 $280.00 $556.00 $243.00 $569.00 $431.00 $876.00
HDHP $43.00 $372.00 $219.00 $611.00 $178.00 $628.00 $341.00 $957.00
Dental $5.50 $10.00 $10.80 $20.20 $10.50 $19.73 $16.80 $31.26
Vision $1.00 $2.16 $2.25 $4.07 $2.00 $4.76 $3.00 $7.80
Tobacco User Surcharge
If you and/or your spouse use tobacco and enroll in a medical plan, a monthly surcharge of $50 per person will apply
to your medical premium. To avoid the surcharge, you must certify that you and/or your spouse have not used tobacco
in the past six (6) months or that you and/or your spouse are a tobacco user enrolled in a tobacco cessation program.
National Church Residences 2022 Benefits Guide | 15Flexible Spending Accounts (FSAs) Three plans administered by UMR While an HSA is a savings account, an FSA is a spending account. It’s an easy way to set aside pretax money to pay for health care or dependent care expenses—but you must use the money in your account each year. Estimate carefully. You decide the amount you’d like to set aside for the year, and the money is deducted (before taxes) from your paycheck each pay period. Plan your contributions carefully. These are “use it or lose it” accounts. Health Care FSA (not allowed if you fund an HSA) Pay for eligible out-of-pocket medical, dental, and vision expenses with pre-tax dollars. The health care FSA maximum contribution is $2,850 for the 2022 calendar year. Dependent Care FSA The dependent care FSA allows you to pay for eligible dependent day care expenses with pre-tax dollars. Eligible dependents are children under 13 years of age, or a spouse, child over 13, or elderly parent residing in your home who is physically or mentally unable to care for him or herself. You may contribute up to $5,000 to the dependent care FSA for the 2022 plan year if you are married and file a joint return or if you file a single or head of household return. If you are married and file separate returns, you can each elect $2,500 for the 2022 plan year. Parking/Transportation FSA The transportation FSA allows you to set aside money from your paycheck on a pre-tax basis to pay for expenses associated with commuting to work such as bus or train passes. Funds in your parking FSA and transportation FSA roll over from year to year as long as you remain an active employee with National Church Residences. You may change your contribution amount on a monthly basis. You may contribute up to $280 per month to your transportation FSA for the 2022 plan year. The minimum contribution is $600 per year. Note for reservists and active military: If you’re called to active duty, the “use it or lose it” rule does not apply to you. You may cash out your health care FSA that will be unusable. Taxes and time limits will apply. Contact MyQHealth for help. Save Receipts In most cases, UMR should be able to auto-verify your claims as eligible expenses. There may be instances when you’ll need to provide proof of purchase, such as if you use a smaller, non-chain pharmacy. It’s best to save all receipts when you use your FSA funds. 16 | National Church Residences 2022 Benefits Guide
TALK
WITH
ALEX
BUDGET FOR YOUR CARE
You have the option to fund an HSA or FSA to help pay for health care expenses. Compare each option below to fund
the account that’s best for you based on your needs.
HEALTH CARE DEPENDENT CARE TRANSPORTATION
HEALTH SAVINGS
FLEXIBLE FLEXIBLE SPENDING FLEXIBLE
ACCOUNT
SPENDING ACCOUNT ACCOUNT SPENDING ACCOUNT
Eligible plans HDHP All plans All plans All plans
Child care, elder care,
Medical, dental, and private day care, nannies,
Eligible expenses Medical, dental, and vision Commuter expenses only
vision licensed care for disabled
dependents
Minimum Contribution No minimum contribution $250 $250 $600
Company contribution
will be available following
Your election is
the 2nd pay in January No. Available after each No. Available after each
available on Yes
2022. Your election is payroll deposit payroll deposit
January 1, 2022
available after each
payroll deposit.
You can change your
election throughout Yes No No Yes
the year
You can take income
tax deductions for
Yes Yes Yes No
expenses you pay with
your account
Funds roll over from
Yes Up to $570 No Yes
one year to the next
Deadline to use your No deadline. Funds roll No deadline. Funds roll
March 15, 2023 December 31, 2022
2022 funds over year to year over year to year
Deadline to submit
No deadline April 30, 2023 April 30, 2023 No deadline
2022 receipts
For a list of eligible expenses, refer to IRS Publications 502 (health care FSA) and 503 (dependent care FSA) on irs.gov.
MyQHealth
QUESTIONS? nationalchurchresidencesbenfits.com
877-498-1385
MyQHealth app
National Church Residences 2022 Benefits Guide | 17Life and Disability
Insurance
Coverage administered by The Hartford and Reliance Standard
Basic Life and Accidental Death and
Dismemberment (AD&D) Insurance
Through The Hartford, we provide you with basic life and AD&D
insurance equal to one times your annualized salary, up to $250,000.
Coverage over $50,000 is taxable and will show as “Imputed Income
GTL” on your paycheck.
Basic Disability Coverage
We provide both short-term and long-term disability through
Reliance Standard/Matrix. If you’re unable to perform your job due to an
extended injury or sickness or if you need maternity leave, you may
be eligible for disability pay.
Short-Term Disability eekly benefit for up to 26 weeks
W
ays 60% of your basic weekly earnings*, up to $1,730
P
per week
PROTECT THE ONES
enefit starts immediately
B
YOU LOVE
Long-Term Disability onthly benefit starts after 180 days of disability
M Keep your beneficiary information
ays 60% of basic monthly earnings*, up to $7,500
P for your life insurance up to date
per month on Workday.
ayments end after two years if unable to perform
P
own occupation, or when you turn Social Security Consolatory Death Payment
retirement age if unable to perform any occupation In the event of your death,
*Salary and earnings are base salary only, as defined in your Summary Plan National Church Residences
Description. will pay your surviving spouse,
Note on Statutory Disability: New York is included in the Reliance Standard/Matrix legal guardian, or named
coverage. As of October 1, 2021, New Jersey is covered by Guardian. There is no beneficiary the equivalent of
need to file with the state.
one-month’s base pay to help
with immediate financial needs.
Leaves of Absence This payment is made separate
Sometimes life needs you much more than work. We understand that, from your final paycheck and
so we offer policies that allow you to take a leave of absence. accrued vacation time.
F amily Medical Leave (FMLA) M
edical issues
M ilitary obligations P
ersonal concerns
You can also purchase additional
insurance for you and your family.
The Hartford Matrix See page 19 for more information.
QUESTIONS? thehartford.com matrixabsence.com
800-454-7020 877-202-0055
18 | National Church Residences 2022 Benefits GuideFinancial
TALK
WITH
ALEX
Wellbeing
Optional coverage administered by The Hartford and Guardian
Whether you’re single or raising a family, think about your lifestyle and your loved ones, and decide the
level of protection you need. You’ll enroll in these plans through Workday.
Supplemental Life Insurance Accident Insurance
You may purchase supplemental life insurance with Accidents happen every day. This coverage from
The Hartford. Guardian can help relieve the financial stress of
covering medical and household expenses.
For Yourself Increments of $10,000, up to
$300,000 Premier Plan Option 60,000 employee coverage
$
A mounts over $150,000 require
medical information 30,000 spouse coverage
$
15,000 child coverage
$
For Your Spouse Increments of $5,000, up
Biweekly Payroll Employee Only: $6.04
to $150,000 or 50% of your
Deductions Employee + Spouse: $9.76
supplemental life amount
Employee + Children: $9.91
A mounts over $75,000 require Employee + Family: $13.63
medical information
Value Plan 30,000 employee coverage
$
For Your Children 10,000 for each child up to
$
age 26, regardless of 15,000 spouse coverage
$
student status 7,500 child coverage
$
o medical information
N Biweekly Payroll Employee Only: $4.05
required Deductions Employee + Spouse: $6.68
Employee + Children: $6.92
Employee + Family: $9.56
Biweekly Payroll Deductions: Rates are age-based
and can be seen in Workday. Wellness pays off, too. You can receive $50 per
Important! If you’re enrolling for the first time during covered person annually for having annual wellness
Open Enrollment or increasing your coverage level, exams (e.g., physical, pap smear, mammogram).
you’ll need to provide medical information.
The Hartford Guardian
QUESTIONS? thehartford.com guardiananytime.com
800-454-7020 888-600-1600
National Church Residences 2022 Benefits Guide | 19TALK
WITH
ALEX
FINANCIAL WELLBEING (continued)
Optional coverage administered by Guardian
Hospital Indemnity Insurance Critical Illness Insurance
With most hospital stays come unplanned expenses. It takes a lot to beat a serious illness. And it can cost
This coverage with Guardian will help you be prepared. a lot. This insurance from Guardian can help with
expenses medical insurance doesn’t cover.
The plan pays
$ C
hoose a lump sum benefit between $5,000 and
1,000 per hospital or ICU admission (limited
annually to one admission per covered person, $30,000 ($5,000 increments).
three admissions per family) C
overed conditions include cancer, heart attack,
$ other vascular events, organ or kidney failure, and
200 per day (limited annually to 15 days per
covered person) various other diseases including Parkinson’s and
multiple sclerosis.
Biweekly Payroll Deductions
Biweekly Payroll Deductions: You can see the
Employee Only $8.37 biweekly rates in Workday.
Employee + Spouse $15.92
Employee + Children $12.86
Employee + Family $20.41
Enroll in Accident or Hospital Indemnity Insurance, Earn $$ Toward College
College Tuition Rewards Program
Enrollment in these plans earns you $2,000 in rewards that can go toward the
tuition at a number of private colleges and universities. These rewards are yours
for your lifetime and can be given to children, grandchildren, nieces, nephews,
and godchildren.
Register at guardian.collegetuitionbenefit.com.
User ID: 00551352
Password: Guardian
20 | National Church Residences 2022 Benefits GuideRetirement
Savings Plan
403(b) and 401(a) plans administered by Lincoln Financial
All National Church Residences employees are automatically
enrolled in the 403(b) savings plan at 2% contribution after
30 days of employment, unless you opt out or choose a
different contribution rate. At the same time, employees are
automatically enrolled in the 401(a) plan, which is the company
matching and base contributions.
How much can you contribute?
U
p to 75% of your biweekly compensation pretax, up to the
IRS limit (for 2022, the limit is $20,500)
A
n additional $6,000 pretax “catch-up” contribution if you’re
50 years or older
How much does National Church Residences contribute?
National Church Residences will make contributions based on
your years of service. We call this the 3-4-5 or 401(a) Plan.
PROTECT THE ONES
0 - 5 years of service 3% base contribution + 3% match
YOU LOVE
6 - 10 years of service 4% base contribution + 4% match
>10 years of service 5% base contribution + 5% match Keep your beneficiary
information up to date on
Important to know: lfg.com.
Y
ou are always 100% vested in your own contributions.
Y
ou become 100% vested in the 3-4-5 Plan base + match
contributions after five years of service, which requires you to
work 1,000 hours each year to earn a year of vesting service.
Numerous investment options available.
We encourage you to review your funds at least annually at
lfg.com.
Lincoln Financial
QUESTIONS? lfg.com
800-234-3500
National Church Residences 2022 Benefits Guide | 21Wellbeing
Program (Open to ALL National Church Residences employees,
you do not need to be enrolled in a Medical Plan option.)
Wellness programs and resources for your total wellbeing
Wellness Your Way
National Church Residences is committed to your total wellbeing. The Wellness Your Way wellbeing program
allows you to choose how you participate in your wellness journey. Earn points when you complete online health
assessments, health screenings, and activities. For every 50 points you report via the Wellness Your Way portal, you will
earn $25, up to $300 total.
2022 Incentive details:
You must be an active employee at the time of payout.
Payouts are issued monthly by the end of the following month in which the incentive was earned.
All incentives are paid through payroll and are taxed as normal income, per IRS rules.
Track your incentives and point totals on the portal.
Log into assethealth.com/nationalchurchresidences or the Wellness Your Way app on Okta to access your Wellness
Your Way dashboard and learn more about how to earn points, or download the Asset Health mobile app.
Note: Incentive amount and activities subject to change for 2022
Tobacco-Free Me Program
Are you ready to take the first step in becoming tobacco-free? Complete a tobacco-free course or the coach-guided
program today. It's never too late to start!
TOBACCO-FREE ME—PREPARING TO QUIT TOBACCO-FREE ME—QUIT DAY AND BEYOND
This course will help motivate and assist you with This course is the second of a two-part series to help
quitting tobacco. You'll receive nicotine addiction motivate and assist those who want to stop using
education, a personalized plan to quit, and a defined tobacco. In addition to acquiring nicotine addiction
support system. You are guided through the steps education, developing a plan to quit, and setting up
leading to your quit date—your first day of freedom a support system, users are guided through their first
from tobacco. days and weeks of freedom from tobacco.
Reminder: If you are a tobacco user, you must complete the coach-guided program no later than July 1, 2022, to
receive a refund of the tobacco user surcharge.
Log into assethealth.com/nationalchurchresidences using your existing credentials or your Okta login information
to access the Wellness Your Way widget.
If you are signing into Wellness Your Way for the first time, use these default credentials:
Username: first initial of your first name + full last name + last four digits of your Social Security number
Password: date of birth (mmddyyyy)
Asset Health Support
QUESTIONS? support@assethealth.com
855-444-1255
22 | National Church Residences 2022 Benefits GuideWELLBEING PROGRAM (continued)
Healthy Cents
National Church Residences and Asset Health have teamed up to provide you with Healthy Cents—a financial wellness
program that includes online courses and resources to help you understand and improve your financial wellbeing.
GreenPath is a national nonprofit organization that has been helping Americans improve their financial health for
almost 60 years. More than 200,000 people work with GreenPath each year to build a healthy financial foundation to
achieve their goals.
With Healthy Cents, you have access to:
An online financial wellness quiz Smart goal setting and tracking
My Vision—a private online bulletin board Helpful action steps
Interactive online courses Counseling call with GreenPath Financial
Log in to assethealth.com/nationalchurchresidences using your existing credentials or your Okta login information
to access the Wellness Your Way widget.
Wondr Health
Wondr is a digital weight loss program that will help you be your healthiest self. With Wondr, you'll learn science-based
skills that help you to lose weight, sleep better, stress less, and much more.
Here's what Wondr can do for you:
Get motivated wherever you are with Wondr app.
Learn from an expert team of instructors and get results that last.
Participate in weekly master classes tailored to your goals and personalized support via text and health coaches.
Engage in the WondrLink online community for peer support.
Enjoy the Wondr Welcome Kit equipped with tools and encouragement to get you started.
Visit wondrhealth.com or download the Wondr mobile app to jump start your weight loss journey.
Real Appeal Weight Loss
With a holistic approach to losing weight, Real Appeal addresses diet, exercise, and behaviors. They provide the tools
you need to succeed.
Real results: Participants attending four or more sessions lost an average of 10 lbs.
Learn more at nationalchurchresidences.realappeal.com.
Lincoln Financial WellnessPATH
Your financial wellness is important to maintaining your total wellbeing. That's why you have access to WellnessPATH
through Lincoln Financial.
With WellnessPATH, you can:
Set financial goals, check your financial wellness score, and view your progress on managing spending, debt, and saving
all in one place from the dashboard.
Schedule a personal meeting with a Lincoln financial consultant for one-on-one retirement and financial planning help.
Access financial tools and resources to help you better understand your debt, money hacks, and tips to make informed
financial decisions.
National Church Residences 2022 Benefits Guide | 23Other Programs and Perks Additional benefits to help you find balance in your work and life Employee Assistance Program (EAP) Paid Time Off (PTO) Work interferes with life and life, at times, interferes Work is part of life, but we want you to enjoy the other with work. When it all becomes too much, you have parts, too! You receive PTO based on how long you’ve people who can help. worked with us, and the hours you work. Through the EAP, you and your family members each Full-time Employees (30+ hours per week): get eight confidential counseling sessions per Years of PTO Earned Per Hours Annual Max incident/situation. Service Paid (Per Pay Period) Accrual Accrual
Who to Contact
with Questions
For specific benefit questions, contact our plan administrators below.
For general assistance, speak with a benefits representative
Monday through Friday, 9 a.m. to 5 p.m. EST. Call 833-226-8355. Or visit employeeconnects.com/
nationalchurchresidences.
BENEFIT ADMINISTRATOR CONTACT INFORMATION
Accident Insurance Guardian guardiananytime.com
Critical Illness 888-600-1600
Hospital Indemnity
Guardian Tuition guardian.collegetuitionbenefit.com
Rewards Program User ID: 00551352
Password: Guardian
Consolatory Death Payment Benefits Center 833-226-8355
employeeconnects.com/nationalchurchresidences
Dental UMR umr.com
800-826-9781
Disability Reliance Standard/Matrix matrixabsence.com
877-202-0055
Employee Assistance Program Magellan Ascend magellanascend.com
800-523-5668
Flexible Spending Account UMR nationalchurchresidencesbenefits.com
877-498-1385
Health Savings Account HSA Bank alexhsa.com
833-223-5601
Leave of Absence and Matrix matrixabsence.com
Family Medical Leave 877-202-0055
Life and AD&D The Hartford Life thehartford.com
Supplemental Life Insurance Company 800-454-7020
Medical and Prescription UMR and nationalchurchresidencesbenefits.com
OptumRx 877-498-1385
MyQHealth app
Paid Time Off National Church Residences
Workday
Employee Information Guide
Real Appeal Weight Loss Real Appeal nationalchurchresidences.realappeal.com
Retirement Savings Plan Lincoln Financial lfg.com
800-234-3500
Tuition Assistance National Church Residences
Workday
Employee Information Guide
Vision VSP vsp.com
800-877-7195
Wellbeing Program Asset Health assethealth.com/nationalchurchresidences
855-444-1255
National Church Residences 2022 Benefits Guide | 25Notes 26 | National Church Residences 2022 Benefits Guide
Notes
National Church Residences 2022 Benefits Guide | 27National Church Residences 2022 Benefits Guide | 28
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