2024
Benefits
New team members who are eligible to enroll in benefits will have access to several exciting benefit plans during their enrollment period. New team members have 30 days from their hire date to enroll in benefits.
How to Enroll
We are committed to offering a portfolio of benefits that give you peace of mind in knowing that the most important things in life are protected - your family, your finances, and your future. For detailed information about each of the benefits plans and programs available to you and your family, please click on the down arrow for each benefit listed below.
Administered by Aetna
Because there is nothing more important than your health, ALIYA offers medical coverage through Aetna. You have your choice of the following plans:
Key Features
Administered by Aetna
ALIYA offers a choice of two dental plans administered by Aetna:
When you enroll in either plan, you will log on to the Aetna website to retrieve your Aetna dental ID card for you and each enrolled dependent. Because Aetna dental network providers have agreed to discount services for plan members, your dollars will go further by using a contracted dentist.
A list of Aetna contracted dentists can be found at aetna.com.
Administered By Aetna
ALIYA offers vision coverage through Aetna to ensure the best coverage and a wide selection of providers. Click here to learn more.
To search for in-network providers, log on to aetna.com.
Administered by Flex Facts
The Flexible Spending Account allows employees to take advantage of the provisions in Section 125 of the Internal Revenue Code. This Code section provides that payroll deductions for health insurance, dental insurance, life insurance, and child care will be taken on a before-tax basis. This plan must always comply with the latest requirements of the IRS code and therefore changes may occur without notice.
Flexible Spending Account (FSA) – Medical:
During your enrollment period, you set amounts for the upcoming year based on an estimated amount of medical expenses for the upcoming year. The amount is divided by the number of pay periods in the year and then redirected from each paycheck – before taxes – into your account. The Flexible Spending Account is provided by Flex Facts. You receive a debit card for most expenses, or you can submit your receipts and a claim form as found on the Forms section of the intranet. Either way, the account reimburses you in tax-free money. The maximum contribution in 2024 is $3,200 and the minimum is $650.
Dependent Care FSA (DCFSA) – Dependents:
This plan works much like the Flexible Spending Account mentioned above. At the beginning of each year, you decide the amount needed to cover dependent care costs over the course of the year. When you incur eligible dependent care expenses from any allowable provider, the account reimburses you in tax-free money. This covers most of the expenses related to the care of an eligible dependent so that you can work full time. If you are married, both you and your spouse must work full time, or your spouse must be disabled or a full-time student, to qualify for this account. The maximum contribution in 2024 is $5,000.
How does it work?
Additional Resources:
Administered by Flex Facts
Telehealth expenses are also newly eligible expenses under an HSA. For HSA purposes, these expenses are covered without requiring that the HDHP deductible be met. Click here for thousands of HSA-eligible items!
All the money in the account is yours to keep, even if you leave or retire. At the end of the year, any money in the HSA rolls over to the next year—you never lose it! The 2024 annual maximum contribution is $4,150 for an individual or $8,300 for a family.
Additional Resources:
Investing your HSA Funds:
Limited Purpose Flexible Spending Account:
If you enroll in an HSA, you can also enroll in a Limited Purpose Flexible Spending Account (LPFSA) in 2024. LPFSAs are tax-advantaged savings accounts that allow you to deposit a portion of your pre-tax income into a spending account. However, an LPFSA only covers eligible dental and vision expenses not medical expenses. This account is for people who want to contribute to an HSA, but also have expected dental and vision expenses. The IRS limits how much you can contribute to your LPFSA every year. You can contribute up to the 2024 IRS maximum of $3,200 to your LPFSA.
Administered by Chubb
Life Insurance with Long Term Care Enrollment through Chubb includes living benefits that provide financial support to cover the cost of long-term care such as nursing home care or assisted living facilities that you might need as a result of an accident, illness, or aging. Like life insurance, the program also protects your family with money that can be used any way they choose like your mortgage or rent, education for children, retirement, and final expenses. During your new hire enrollment period only, you can elect coverage without answering medical questions!
Additional Resources:
Administered by Chubb
If you’re hurt or sick and can’t work, Short-Term Disability insurance policies pay cash benefits directly to you, unless assigned otherwise, to help with out-of-pocket expenses such as medical-related travel, food, utilities, and rent or the mortgage on your home. What’s more, benefits are paid regardless of any other insurance you have.
Limited Time Offer: During your new hire enrollment period only, you can elect coverage for yourself without answering any medical questions.
Administered by Chubb
When you suffer an accident (on and off-the-job) such as a burn or broken bone, Accident Insurance provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers, and can be used at your own discretion. Elect coverage without answering medical questions!
Program features:
Additional Resources:
Administered by Chubb
No one can be completely prepared for when critical illness strikes, but if you or a loved one is diagnosed with a covered condition such as cancer, stroke, or heart attack, Critical Illness Insurance provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. And every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. During your new hire enrollment period only, enroll without answering medical questions!
Mortgage and Rent Helper
Chubb will pay you $250 per month for up to 6 months if a covered participant misses five or more days a month due to a covered illness.
Covered Conditions:
Additional Resources:
Administered by Chubb
Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare. And with two plan options so you can be sure you have the level of protection you need. Every year that you complete a qualified health screening, you are eligible for a $50 Wellness Benefit. Enroll without answering medical questions!
| Cash Benefit | |
| Hospital Admission | $1,000 once per year |
| Hospital Confinement | $150 per day, up to 30 days per year |
| ICU Confinement | $300 per day, up to 10 days per year |
| Newborn Nursery Benefit | $75 per day, up to 2 days per year* |
| Observation Unit Benefit | $75 per day, up to twice per year |
| Wellness Benefit | $50, once per year |
Additional Resources:
*Up to 2 days per year for normal delivery and up to 4 days per year for cesarean section.
This enrollment period is the only opportunity to enroll in benefits until the next annual enrollment period unless you experience a qualifying life event.
Certain coverages allow limited changes to your benefit elections during the year. These benefits include the Medical, Dental, Vision, Life, and Disability. For these benefits, you may only make changes to your elections during the year if you have a qualifying life event.
Qualifying life events include:
The change to your benefit elections must be consistent with the qualifying life event. You have 30 days from the qualifying life event to request your enrollment change.