2024 Special Voluntary Benefits Enrollment

We want to make sure you’re getting the most out of your benefits. Please see below to learn more about your voluntary benefit plans and the opportunities that come with each policy. You have the opportunity to speak with a benefit counselor over-the-phone to ask questions about your 2024 voluntary benefit options. Schedule your appointment below!

February 5 - 13, 2024

How to Enroll

Self-enroll in your voluntary benefits online between February 5 - 13. You can enroll online in two ways!

Via PayCor on a computer
- Click on Company, then Manage Benefits, or Me – Benefits – Open Enrollment; use your Paycor username and password to log in
Via bswift using a mobile device or computer
- Visit oaklandmanagement.bswift.com
- Username: First Initial + Last Name
  e.g. John Smith = jsmith
- Password: Last Four Digits of the Employee’s Social Security Number

Have questions or need help? Benefit counselors will be available by phone for individual appointments from February 5 - 13, 2024. You can ask questions and learn more about your voluntary benefit options.

If you do not take action during this special enrollment period, your current benefits will not change and will remain in-force.

What is Accident Insurance? ▼

When you suffer an accident such as a burn or broken bone on or off the job, Accident Insurance through Lincoln Financial Group provides a lump sum cash benefit based on your injury 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. Enroll without answering medical questions!

Example Benefits*
Ambulance (ground)	$425 Ground $1,750 Air
Emergency Treatment	$250
Initial Care Visit (physician office or urgent care visit)	$125
Leg Fracture	Up to $2,400
Hospital Confinement	$200/day, up to 365 days
ICU Confinement	$400/day, up to 15 days

*This is not a comprehensive list of covered injuries and treatments. Speak to a benefit counselor for a complete list of covered events. Limitations may apply.

What is Critical Illness Insurance? ▼

No one can be completely prepared when a critical Illness strikes such as cancer, stroke, or heart attack*. Critical Illness Insurance through Lincoln Financial Group 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.

During this special enrollment period only, you can elect coverage without answering medical questions!

Employee: up to $20,000
Spouse: up to $20,000, not to exceed 100% of employee's elected amount
Child(ren): up to $10,000, not to exceed 25% of of employee's elected amount

*This is not a comprehensive list of covered conditions. Speak to a benefit counselor for a complete list of covered events. Limitations may apply.

What is Hospital Indemnity Insurance? ▼

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 through Lincoln Financial Group 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. Enroll without answering medical questions!

Example Benefits*
Hospital Admission Benefit	$1,000
ICU Admission Benefits	$2,000
Daily Hospital Confinement	$200/day, up to 30 days
Daily ICU Confinement	$400/day, up to 30 days

*This is not a comprehensive list of covered injuries and treatments. Speak to a benefit counselor for a complete list of covered events. Limitations may apply.

What is Short-Term Disability Insurance? ▼

Short-Term Disability Insurance (STD) through Lincoln Financial Group provides a weekly benefit for expenses incurred if you cannot work several weeks due to an illness or injury unrelated to work.

Hourly Employees: You have the opportunity to elect Voluntary STD through Lincoln Financial Group. You choose what benefit amount you wish to purchase in $50 increments with a minimum of $100 and a maximum of $800 per week benefit, not to exceed 60% of your weekly salary. Pre-existing conditions apply.* You have two coverage options to choose from:

14-day waiting period with weekly benefits lasting up to 11 weeks
7-day waiting period with weekly benefits lasting up to 12 weeks

Salaried Employees: The company will pay the premiums for the Short Term Disability coverage. This coverage pays you a benefit of up to 60% of your weekly earnings, up to $1,200 per week. The plan begins paying these benefits on the 1st day for accidents and the 8th day for sickness (includes pregnancy). The plan will pay for up to 13 weeks of disability (less the 7-day waiting period for sicknesses) per disability. Short-Term Disability benefits are not included in the Special Voluntary Benefits Open Enrollment, as eligible employees are auto-enrolled. View current coverage under Benefits – Benefit Summary.

*Voluntary STD is subject to a 12-month pre-existing condition waiting period. A pre-existing condition is an injury or sickness for which you received medical treatment or advice (including diagnostic testing) or had drugs or medicines prescribed or taken in the 3 months prior to the day your STD coverage began. Benefits will not be paid for any disability that begins in the first 12 months you are covered by the STD plan if that disability is due to or results from a pre-existing condition. Pregnancy is considered a pre-existing condition.

What is Long-Term Disability Insurance? ▼

Long-Term Disability Insurance (LTD) through Lincoln Financial Group provides a monthly benefit for expenses incurred if you cannot work several months due to an illness or injury unrelated to work.

Hourly Employees: You have the opportunity to elect Voluntary LTD through Lincoln Financial Group. You choose what benefit amount you wish to purchase in $100 increments with a minimum of $400 and a maximum of $5,000 per week benefit, not to exceed 60% of your base salary. Benefits are typically payable up to the later of age 65 or your Social Security Normal Retirement Age. There is a 24 month benefit limitation for Mental/Nervous and Substance Abuse conditions.

Salaried Employees: The company will pay the premiums for the Long-Term Disability coverage. This coverage pays you a benefit of up to 60% of your monthly earnings, up to $7,500 per month. The plan begins paying these benefits on the 91st day. The plan will pay for up to up to the later of age 65 or your Social Security Normal Retirement Age. There is a 24 month benefit limitation for Mental/Nervous and Substance Abuse conditions. Long-Term Disability benefits are not included in the Special Voluntary Benefits Open Enrollment, as eligible employees are auto-enrolled. View current coverage under Benefits – Benefit Summary.

What is Voluntary Life and AD&D Insurance?

Voluntary Life and AD&D Insurance are available in addition to your Oakland Management-provided Basic Life and AD&D. You may purchase life and AD&D insurance for your spouse and dependents only if you purchase coverage for yourself. You may purchase coverage up to five (5) times your base pay! The maximum coverage available is $500,000.

During this enrollment period only, you can elect up to the guaranteed issue amount of $200,000 for yourself and up to $30,000 for your spouse. If you choose to enroll in coverage later or elect coverage greater than the guaranteed issue amounts listed above, you must complete an Evidence of Insurability (EOI) form.