Open Enrollment 2008

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					Open Enrollment 2008

         Enrollment Presentation for 2008
            New Effective Date October 1st

            Open Enrollment Period Sept 1st – Sept 30th

            Allows an opportunity to consider whether your current
             benefit plan is the right choice for you and your family.

            Eligible employees can re-enroll previously waived
             medical coverage for themselves or their dependents.

            Eligible dependents not previously enrolled can be added
             without proof of previous coverage.

            Deadline for Enrollment Forms – Sept 25th
Open Enrollment 2008

         Enrollment Presentation for 2008

            BCBSTX HMO & PPO Medical Options

            Assurant Voluntary DMO Dental Plan

            UNUM Group Life & Voluntary Life Insurance

            UNUM Voluntary Short & Long Term Disability

            Section 125 - Cafeteria Plan
Open Enrollment 2008
     Employee Benefits Center
     •24 Hour Access to your Benefits, Forms and Cost
     • www.myfortworthelectricbenefits.com
Open Enrollment 2008

       Medical – PPO Base Plan
            Locate a Plan Provider   www.bcbstx.com


                   BCBSTX             In Network           Out of Network
             Annual Deductible
                                            $3,000 / $9,000 Combined
             Individual / Family

             Coinsurance               100% / 0 %             70% / 30%

             Out of Pocket
                                         $0 / $0           $10,000 per person
             Individual/Family

             Office Visits             $30 Copay             30% after DED

             Other Services
                                      $0 after DED /
             Inpatient Hospital /                            30% after DED
                                       $100 / $55
             ER / Urgent Care

             Pharmacy                 $20 / $40 / $60        $20 / $40 / $60
Open Enrollment 2008

       Medical – HMO Buy-Up Plan
            Locate a Plan Provider       www.bcbstx.com


                                            In Network
                   BCBSTX
             Annual Deductible
                                                 N/A
             Individual / Family

             Coinsurance                         N/A

             Out of Pocket
                                           $3,000/$6,000
             Individual/Family
             PCP / Specialist                 $25 / $45
             Other Copays
                                      $150 Per Visit/ $45 Copay
             ER / Urgent Care
             Hospital                     $1,000 Per Visit /
             Inpatient / Outpatient         $500 Copay

             Pharmacy                      $20 / $35 / $50
Open Enrollment 2008
     Blue Access for Members
     •Explanation of Benefits
     •Pharmacy Information
     •Provider Finder
     •Print ID Cards
     •www.bcbstx.com
Open Enrollment 2008

    Medical Weekly Deductions
               Medical     Base - PPO   Buy-Up HMO


            Employee
                             $3.76        $17.23
            Only


            Employee and
                             $87.84       $123.99
            Spouse


            Employee and
                             $51.14       $77.39
            Children

            Family          $135.22       $184.15
Open Enrollment 2008

     Prepaid DMO Dental Plan
             Locate a Plan Dentist
              www.assurantemployeebenefits.com

                          Assurant                         2008
                   (United Dental Care of TX )

                Deductible                                  N/A


                Annual Maximum                            Unlimited

                Preventive / Basic / Major
                                                 Refer to Copayment Schedule
                Services

                Orthodontia Services               25% Discount of Charges


                Waiting Periods / Referrals             None / None
Open Enrollment 2008

        Dental Weekly Rates

                  Assurant        DMO

          Employee Only           $2.79


          Employee + Spouse       $4.51



          Employee + Child(ren)   $6.09


          Employee + Family       $7.14
Open Enrollment 2008

        Group Life/AD&D Plan

                         UNUM                        2008

           Description                  All Full Time Active Employees


           Benefit                                 1 X Salary


           Maximum Benefit                          $100,000

                                        May elect to take coverage with
           Portability
                                             them at group rates
                                          Terminally Ill employees can
           Accelerated Death Benefit   access 100% of life benefit prior to
                                                      death
Open Enrollment 2008

        Voluntary Life/AD&D
                       UNUM                            2008
         Eligibility                       All Full Time Active Employees

         Employee Options            Up to 5 X Salary to a Maximum of $500,000

         Employee Guarantee Issue                     $50,000
                                                  Spouse - $25,000
         Spouse & Child Options
                                                  Child - $10,000
         Spouse & Child Guarantee                Spouse - $25,000
         Issue                                    Child - $10,000

                                    If you are currently enrolled and wish to
                                    increase – you do not need to answer
         Increasing Your Life       medical questions.
         Insurance
                                    Late applicants will have to answer medical
                                    questions.
Open Enrollment 2008

        Voluntary Short Term Disability

                        UNUM                2008

          Eligibility           All Full Time Active Employees

                                60% of monthly salary to max of
          Benefit
                                        $1,000/week

          Elimination Period               14 Days

          Benefit Duration                11 Weeks

                                  Program includes 3 visit
          Additional Benefits
                                Employee Assistance Program
Open Enrollment 2008

        Voluntary Long Term Disability

                         UNUM                               2008
          Eligibility                           All Full Time Active Employees
          1 Year Waiting Period for New Hires

                                                60% of monthly salary to max of
          Benefit
                                                        $5,000/month

          Elimination Period                               90 Days

          Benefit Duration                      Benefits are payable to age 65

                                                Employee Assistance & Travel
          Additional Benefits
                                                   Assistance Programs
Open Enrollment 2008

        Section 125 - Premium Only Plan
         •Allows pre-tax deductions for health, dental and vision premiums
         •Ability to reduce in your taxable income therefore increasing your
         take home amount in your paycheck.

				
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