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2027 Benefits

All union employees at the North Shore Estates

Plan Year: January 1 – December 31, 2027
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How to Enroll

Enroll with the Guidance of a Professional Benefit Counselor!
To ensure you understand the benefit options, we work with EOI Service Company, a professional enrollment firm. Professional EOI benefit counselors will speak one-on-one by phone to help you enroll.

During your one-on-one appointment, the benefit counselor will:

  • Answer your questions
  • Provide detailed information
  • Help you enroll in your benefits

Schedule an Appointment

 

Qualifying Life Event Enrollment
Click here to enroll online via UKG. Once logged into UKG, click on the blue “Life Change Event” box, located in the “My Benefits” tile of the home screen, or navigate to My Information -> My Benefits.ts.

Helpful Resources

Benefits Guide ▼

View Your Benefit Guide

Notices & Disclosures ▼

 

MetLife Outline of Coverage Disclosures: 

Eligibility ▼

  • You are eligible to participate in the Monarch Healthcare benefit programs on the first of the month following 60 days after your date of hire if you are an active full-time employee. Spouses (opposite- and same-sex) and children (up to age 26) are eligible for most benefits.
  • The benefit elections you make during your initial or annual enrollment remain in effect for the entire plan year due to IRS regulations. You are, however, allowed to modify your elections in certain situations, called “qualifying life events.” If you experience a qualifying life event such as marriage, divorce, death, birth, or loss of coverage, you may make changes to your benefits within 30 days of the event. 

Your 2027 Benefits

Monarch Healthcare is 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.

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Short Term Disability ▼

Administered by Voya

Monarch Healthcare Management provides Voluntary Disability Insurance through Voya to all benefit-eligible employees who work at least 30 hours per week. If you’re unable to work due to a sickness or injury, disability insurance can help you meet expenses and maintain your standard of living. It can help you pay bills like your mortgage, tuition, and car payments, and help cover expenses for food, clothing, and utilities. By replacing a portion of your income, disability insurance can help you provide financial security until you get back on your feet and return to work.

  • Weekly Benefit: You may elect in increments of $100 from a minimum of $100
  • Maximum Weekly Benefit: $1,200, not to exceed 60% of your weekly salary
  • Elimination Period: 14 days sickness, 14 days injury
  • Benefit Duration: 6 months
  • Definition of Disability: Partial and total disability
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Long Term Disability ▼

Administered by MetLife

Long Term Disability Insurance provides protection if an unexpected illness or injury keeps you from working. If you become disabled and can’t work, you may face a gap between your income and expenses. Long Term Disability Insurance can help fill this gap by paying you a monthly benefit until you are able to return to work. Voluntary Long Term Disability coverage is offered to benefit eligible employees working at least 30 hours per week. Employees pay the full cost of this insurance.

  • Benefit: 60% of your pre-disability earnings, up to a maximum monthly benefit of $6,000
  • Elimination period: 180 days
  • Benefit duration: Social Security Normal Retirement Age
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Hospital Indemnity ▼

Administered by MetLife

Monarch Healthcare Management provides Voluntary Hospital Indemnity insurance through MetLife to all benefit eligible employees who work at least 30 hours per week.

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. You have two plans from which to choose. Enroll without answering medical questions!

How does it work?
With Hospital Indemnity Insurance, you’ll receive a fixed daily benefit if you have a covered stay in a hospital that occurs on or after your coverage effective date. Benefit amounts are listed below and depend on the type of facility and number of days of confinement. Any combination of facility confinement and admission benefits payable includes a limit, please see your certificate for further confirmation. And for a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.

Learn More

Plan Details  Standard Plan  High Plan
First Day Hospital Confinement  $500  $1,000
Daily Hospital Confinement  $100/day for up to 31 days  $200/day for up to 31 days
Daily ICU Confinement $200/day for up to 31 days  $400/day for up to 31 days

 

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Life with Long-Term Care ▼

Administered by Voya

Life with Long-Term Care through Voya offers Monarch Healthcare Management employees working a minimum of 30 hours per week flexible financial protection. 

The program features premiums guaranteed for life and coverage for qualified long-term care expenses like a nursing home, assisted living, or home care. Living benefits for long-term care protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses.

During this enrollment period, you will have the opportunity to elect coverage without answering medical questions. Please see a benefit counselor for more information.

Plan Features: 

  • Coverage: Insurance up to $125,000.
  • Guaranteed Issue: up to $125,000 (available when first eligible to enroll).
  • Accelerated Death Benefit: An advance of up to 75% of the death benefit is paid when the employee is diagnosed as terminally ill.
  • Spouse coverage: Choose $5,000 to $75,000 in $5,000 increments through age 65. Employee coverage is required, and spouse coverage cannot exceed the employee amount.
  • Children Coverage: Choose $5,000, $10,000, $15,000, $20,000, or $25,000. One premium covers all eligible children through age 26. Employee coverage is required.
Monarch_Vision

Vision ▼

Administered by EyeMed

Monarch Healthcare Management offers a vision plan administered by EyeMed. This coverage is a voluntary benefit that features coverage for prescription glasses and contact lenses, as well as other vision-related items.

As with the dental plan, you have the freedom to receive services from any provider. You will, however, receive a greater level of benefit if you use a provider who participates in the EyeMed Select network. By using a network provider, you may also receive discounts for services not otherwise covered by the vision plan (i.e., sunglasses and laser vision correction).

Please note: this plan provides coverage for materials and hardware only. Coverage for routine annual vision exams are provided through your Medica medical plan as a preventive appointment as long as you use an in-network provider.

EyeMed Vision Plan Summary

EyeMed Vision FAQ Flyer

EyeMed Provider Directory

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Accident Insurance ▼

Administered by MetLife

Monarch Healthcare Management provides Voluntary Accident insurance through MetLife to all benefit-eligible employees who work at least 30 hours per week.

Accidents can happen at any time, to anyone, and when you least expect them – and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Having the financial support you may need when the time comes means less worry for you and your family.

Benefit: 24-hour coverage on-and-off-job
Portability: you can continue your group coverage up to the employee age of 70 at the same rates if you leave your employer

And every year that you complete a qualified health screening, you and your covered dependents are eligible for a $50 Health Screening Benefit.*  Dental exams and cholesterol tests, as well as many other preventative tests, qualify for this health screening benefit.

Learn More

*The Wellness (Health Screening) Benefit pays the amount shown on the Plan Description for one (1) health screening test performed during a twelve (12) month period for each insured.

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Critical Illness Insurance ▼

Administered by MetLife

Monarch Healthcare Management provides Voluntary Critical Illness Insurance through MetLife to all benefit eligible employees who work at least 30 hours per week.

No one can be completely prepared when a 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 lumpsum 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 and your covered dependents are eligible for a $50 Health Screening Benefit.* Dental exams and cholesterol tests, as well as many other preventative tests, qualify for this health screening benefit.

Learn More

*The Wellness (Health Screening) Benefit pays the amount shown on the Plan Description for one (1) health screening test performed during a twelve (12) month period for each insured.

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Identity Theft Protection ▼

Administered by Allstate Identity Protection

Identity theft protection services from Allstate Identity Protection (formerly known as InfoArmor) help assess your risk, deter theft attempts, detect fraud and manage the restoration process in the event of an identity theft. If Allstate Identity Protection detects suspicious activity, a certified privacy advocate can act as a dedicated case manager on your behalf and resolve the issue.
Once enrolled, you must take action to activate your account. A welcome email and letter will be sent to you from Allstate Identity Protection (formerly known as InfoArmor). You must:

  1. Complete your profile in the member portal
  2. Activate credit monitoring to take full advantage of the product
  3. If you enrolled in the family plan, add your dependents to your account

Plan Features:

  • Identity and Credit Monitoring
  • Dark Web Monitoring
  • High-Risk Transaction Monitoring
  • Financial Activity Monitoring
  • Social Media Monitoring
  • IP Address Monitoring
  • Lost Wallet Protection
  • Credit Monitoring and Alerts

Don't Miss Out!

This enrollment period is the only opportunity to enroll in benefits until the next annual enrollment period unless you experience a qualifying life event and request a change to your benefits within 30 days of the life event.

What is a qualifying life event? ▼

Certain coverages allow limited changes to your benefit elections during the year. These benefits include the Medical, Dental, Vision, Life, Disability and Flexible Spending Accounts. 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:

  • Change in legal marital status, including marriage, divorce, death of a spouse, legal separation, or annulment
  • Change in number of children, including birth, adoption, placement of adoption, or death of a child
  • Change in employment status of employee, spouse, or dependent, including termination or commencement of employment, commencement or return from unpaid leave of absence
  • Change in dependent eligibility status, including attainment of age, student status, or any similar circumstance

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 and provide supporting documentation to HR. 

Qualifying Life Event Instructions