Bickford Senior Living Benefits Guide Review

Bickford Senior Living Benefits Guide Summary

• The Benefits Guide provides plan highlights for Bickford Senior Living employees, but official plan documents govern actual benefits.

• Bickford Senior Living values its employees as family and prioritizes competitive, cost-effective benefits for them and their families.

• Full-time employees working 30 or more hours per week are eligible for all benefits, while part-time employees working 20 or more hours per week are eligible for select voluntary benefits.

• Open Enrollment for benefits takes place before July 1, 2023, and changes to benefits can only be made during a Qualifying Life Event.

• Two Major Medical plans are offered through BlueCross BlueShield of Kansas City, with varying deductibles, coinsurance, and out-of-pocket maximums.

• Telehealth services are available through BlueKC Virtual Care, with a $0 copay per visit for common medical issues.

• Preventive care services are covered at 100%, including physical exams, mammograms, and immunizations.

• A comprehensive PPO dental plan is offered through Delta Dental of Kansas, with varying coverage for preventive, basic, and major services.

• Vision coverage is offered through VSP Vision Care, with varying coverage for exams, lenses, frames, and contacts.

• Full-time employees working 30 or more hours per week receive Basic Life and AD&D insurance coverage through Unum, while part-time employees can purchase additional coverage.

• Short-term disability coverage is available through UNUM for employees working 20 or more hours per week.

• Rates for voluntary benefits vary based on age and require Evidence of Insurability (EOI) approval if not elected during initial enrollment.Bickford Senior Living Employee Benefit Plans Summary

• Disability Weekly Benefit is 60% of weekly earnings with a maximum benefit amount of $1,154 and a maximum benefit duration of up to 11 weeks.

• Pre-existing conditions are excluded from coverage for 12 months under the short-term disability plan.

• Long-term disability coverage is optional and provides a monthly benefit of 60% of monthly earnings with a maximum benefit amount of $6,000 and a benefit duration up to Social Security Normal Retirement Age.

• Accident insurance is optional and provides a lump-sum payment for certain covered expenses such as ambulance, burns, lacerations, and dislocations.

• Critical Illness insurance is optional and provides a lump-sum benefit for covered illnesses such as invasive cancer, benign brain tumor, and heart attack.

• Hospital Indemnity insurance is optional and provides benefits for hospital and ICU admission and confinement, daily hospital and ICU stays, and short stays.

• Pre-existing conditions are excluded from coverage for 12 months under the Hospital Indemnity plan.

• IdentityForce service provides identity theft protection, credit monitoring, and restoration services with various plan options and pricing.

• Financial wellness programs, such as DailyPay, student loan repayment, 529 plan, and 401(k) plan with a company match, are available to BFMs working 16 or more hours.

• BFMs can enroll in carrier websites to manage their benefits, view plan information, view Explanation of Benefit (EOB), view claim status, find providers and download ID cards.

• HR Branch Support can be contacted for assistance with employee benefits.

• Contact information for carriers, such as BCBS of KC, Delta Dental of KS, and VSP Vision Care, is provided for further inquiries.