Symphony

Your 2023 Benefit Options

Symphony Care Network is pleased to offer a comprehensive benefits program, that offers you choice and flexibility, so you can take charge of your physical, financial and emotional well-being. 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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Available to Full-time & UFCW | Medical/Pharmacy ▼

Administered by UMR

Medical coverage provides you with benefits that help keep you healthy, like preventive care screenings and access to urgent care. It also provides important financial protection if you have a serious medical condition. When you enroll, you are provided with medical coverage through UMR.

We offer 3 medical plans which include preventive care fully covered if obtained in network. Your costs for other services will depend on which plan you choose. Review the network provider information and out of pocket costs such as deductible, coinsurance and prescription drugs so you can choose the best fit for your health concerns and budget.
 
SEIU members are not eligible for medical coverage.
 
 Summary Of Benefits and Coverage (SBC)
  • Gold Plan - (Available to Full-time & UFCW) Coming soon!
  • Silver Plan - (Available to Full-time & UFCW) Coming soon!
  • Bronze Plan (Available to Full-time & UFCW) Coming soon!
Summary Plan Description (SPD)
  • Gold Plan (Available to Full-time & UFCW) Coming soon!
  • Silver Plan (Available to Full-time & UFCW) Coming soon!
  • Bronze Plan (Available to Full-time & UFCW) Coming soon!
Contact Information:
  • UMR (United Healthcare network) (800) 826-9781
  • www.umr.com
 Legal Notices:
Transition of care allows the In-Network benefit level to an Out-of-Network provider to continue for a reasonable period of time to ensure continuity of care for certain medical conditions already under active treatment based on the following circumstances:
  • The member was in an active treatment plan with a physician who was a member of their previous PPO network at the time of the group’s switch to UMR coverage
  • Physician is not a member of the new PPO network under UMR coverage
Transition of Care Request Form
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Utilize Your Coverage Wisely ▼

WHEN TO USE THE ER

The emergency room shouldn't be your first choice unless there's a true emergency—a serious or life-threatening condition that requires immediate attention or treatment that is only available at a hospital.
 
WHEN TO USE URGENT CARE
Urgent care is for serious symptoms, pain, or conditions that require immediate medical attention but are not severe or life-threatening and do not require use of a hospital or ER. Urgent care conditions include but are not limited to: earache, sore throat, rashes, sprains, flu, and fever up to 104°.
 
PREVENTIVE OR DIAGNOSTIC?
Preventive care is intended to prevent or detect illness before you notice any symptoms. Diagnostic care treats or diagnoses a problem after you have had symptoms.
 
Be sure to ask your doctor why a test or service is ordered. Many preventive services are covered at no out-of-pocket cost to you. The same test or service can be preventive, diagnostic, or routine care for a chronic health condition. Depending on why it's done, your share of the cost may change. Whatever the reason, it's important to keep up with recommended health screenings to avoid more serious and costly health problems down the road.
 
WHEN TO USE TELEMEDICINE
For certain types of illnesses, you can be seen remotely using technology. Healthcare providers can often complete an exam, make a diagnosis, and even write a prescription for you, all from the comfort of your home. Telemedicine is often used to treat patients with chronic diseases like high blood pressure, urgent care visits for coughs and colds, and to connect primary care physicians with medical specialists.
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Dental ▼

Administered by UnitedHealthcare

Regular visits to your dentists can protect more than your smile; they can help protect your health. Recent studies have linked gum disease to damage elsewhere in the body and dentists are able to screen for oral symptoms of many other diseases including cancer, diabetes, and heart disease. When you enroll, you are provided with dental coverage through UnitedHealthcare Insurance Company.

When it comes to choosing a dental plan for you and your family, Symphony employees have two options. For detailed information on both plans, click on links below:
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Vision ▼

Administered by Vision Service Plan (VSP)

Routine vision exams can not only correct vision, but also detect more serious health conditions. When you enroll, you are provided vision coverage through Vision Service Plan (VSP). Our Vision Plan provides you with coverage for eye exams, lenses and frames—vision care for the whole family. This coverage is offered to you on a voluntary basis.

Follow the links below for detailed descriptions of both vision plans:
Contact Information:
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Disability ▼

You and your family rely on your income. But what would happen if you became ill or suffered a serious accident and were unable to work? Who would pay the bills? You may never even think that you could be laid up for an extended period of time. But what if you had a stroke or some other injury that kept you from working? How many months could you continue your standard of living from your savings? The chances of becoming disabled prior to age 65 are 1 in 3, yet the chances of your house burning down are 1 in 1,000.
 
In helping you prepare to meet financial obligations should you face a period of disability, Symphony offers both Short-Term Disability (STD) insurance and Long-Term Disability (LTD) insurance.

 

Voluntary Short-Term Disability
Administered by Allstate

Short-Term Disability (STD) coverage pays you a benefit if you temporarily can't work because of an injury, illness, or maternity leave. Benefits may be reduced by income from other income sources such as paid time off. Your doctor and the insurance company will work together to determine how long benefits are payable, based on your condition.

Plan Features:
Employee Coverage
Maximum monthly benefit: $5,000
Benefits begin: After 7 days of disability due to accident or 7 days due to sickness
Maximum payment period*: 6 month

 

Click here for the Allstate Disability Brochure for more detailed information.

MyBenefits: 24/7 Access
 
An easy-to-use website that offers 24/7 access to important information about your benefits. Plus, you can submit and check your claims (including claim history), request your cash benefit to be direct deposited, make changes to personal information, and more.
 
 
Voluntary Long-Term Disability

Administered by Reliance Standard

Long-Term Disability (LTD) coverage pays you a certain percentage of your income if you can't work because an injury or illness prevents you from performing any of your job functions over a long time. It's important to know that benefits are reduced by income from other benefits you might receive while disabled, like workers' compensation and Social Security. If you qualify, long-term disability benefits begin after short-term disability benefits end.

Plan Features:
Employee Coverage
Monthly benefit: The monthly benefit is an amount equal to 60% of covered earnings, up to a maximum benefit of $10,000 per month.
Benefits begin: 180 consecutive days of total disability.


*The age at which the disability begins may affect the duration of the benefits.

Click here for the Long Term Disability Brochure for more detailed information.

 
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Life Insurance ▼

Administered by Allstate

Voluntary Term Life Insurance allows you to purchase additional life insurance to protect your family's financial security with no cash value available. AD&D Insurance allows you to purchase additional accidental death and dismemberment insurance to protect your family's financial security in case you suffer from loss of a limb, speech, sight or hearing or if you die in an accident. During your new hire enrollment period only, you can elect coverage without answering medical questions!

  Benefit Amount* Guaranteed Issue
Employee Coverage A choice of $10,000, $25,000, $50,000, $75,000, $100,000, $150,000 $150,000
Spouse Coverage Increments of $5,000 (not to exceed employee’s coverage) $30,000
Child Coverage Birth to age 26 years: $10,000 $10,000

Contact Information: 

Term Life Brochure

Voluntary Universal Life Insurance allows you to purchase additional life insurance to protect your family's financial security with cash value available. AD&D Insurance allows you to purchase additional accidental death and dismemberment insurance to protect your family's financial security in case you suffer from loss of a limb, speech, sight, or hearing or if you die in an accident. During your new hire enrollment period only, you can elect coverage without answering medical questions!

  Benefit Amount* Guaranteed Issue
Employee Coverage Increments of $10,000 up to $500,000 $150,000
Spouse Coverage Increments of $5,000 (not to exceed employee’s coverage) $20,000
Child Coverage Birth to age 26 years: Increments of $5,000 (not to exceed employee’s coverage) $20,000

Contact Information: 

Universal Life Brochure

Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefit. It's important to know that many states require that a spouse be named as the beneficiary, unless they sign a waiver.

Evidence of Insurability: If you select a coverage amount above a certain limit, you will need to submit an Evidence of Insurability form with additional information about your health in order for the insurance company to approve this higher amount of coverage.

Taxes: A life insurance benefit of $50,000 or more is a taxable benefit. You will see the value of the benefit included in your taxable income on your paycheck and W-2.

*Benefits begin to reduce at age 65. Refer to your plan document for details.
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Special Programs for Symphony Employees ▼

See all the discount programs you are eligible for working for Symphony Care Network.

Working Advantage

What is Working Advantage? Working Advantage is a unique benefit offered to companies and their employees which includes convenient access to hundreds of offers and shopping discounts. 

Register now, and you'll have access to exclusive savings on movie tickets, theme parks, hotels, Broadway and Vegas shows, shopping partners & more.  Be sure to visit often as new products and discounts are constantly being added!

How do I sign up?

  1. Go to www.workingadvantage.com  
  2. Click on "Register" at the top of the page
  3. You will then be prompted to create an account with your email address and company.
    COMPANY CODE:  SYMPHONY

Contact Information:

  • Customer Service: (800) 565-3712

 

AT&T Employee Discounts

Symphony employees receive a 8% family discount on phone services through AT&T. 
Information needed when contacting AT&T regarding the SPAN employee discount:
  • NUCARE SERVICES CORP
  • FAN 3628351
  • SERVICE DISCOUNT 8%

 

Verizon Wireless Discounts

Symphony Care Network employees qualify for monthly discounts on their personal Verizon Wireless accounts. Below we’ve detailed options to register for this discount.   
     
To Complete Registration or Validation via Work Email Address:      

  • Go to the Verizon Discount Portal 
  • Choose Existing Verizon Customers
  • Enter either an existing  mobile telephone number or My Verizon login ID
  • Choose Login and Validate
  • Once logged in, select Validate by Email Address
  • Enter the work email address (twice) and select Validate by Email Address
  • A confirmation email will be sent to the work email address provided
  • Click on the link enclosed in the email within 72 hours to complete validation
  •  If not validated within 72 hours, begin the process over and resubmit the request

    
To Register or Validate by Paystub:      

  • Go to the Verizon Discount Portal 
  • Choose Existing Verizon Customers
  • Enter either an existing mobile telephone number or My Verizon login ID
  • Choose Log in and Validate
  • Once logged in, select Validate by Paystub
  • Complete the customer and employer information on the Employment Validation Form and select Continue
  • Select Choose File to pick a paystub or other proof of employment or affiliation
    • The paystub must be issued within the last 60 days
    • Please blackout any sensitive personal information
  • Choose Upload My Paystub
  • After review, a status notification will be emailed

If you need assistance with the process, please call the Verizon Wireless Employment Validation Center directly at 1.800.890.8007 or go to Discounts and Employment Validation FAQs. 

 

Corporate America Family Credit Union

As a Symphony employee, you and your family are automatically eligible to become CAFCU members!  No matter your financial situation, there's always room to improve and make for a better tomorrow.

Corporate America Family Credit Union (CAFCU)  provides all the products and services of a traditional bank plus the added benefits of FREE unbiased financial coaching and education, as well as member discounts, rewards, and other perks!  CAFCU is dedicated to educating and empowering your financial success.  

Start your path to financial success today!

 

Symphony Care Network & Rasmussen College

Making it possible to ADVANCE YOUR EDUCATION with a 15% GRANT.

Rasmusssen College offers more than 50 quality, challenging programs across seven schools of study in a variety of convenient learning options. Because not every student learns the same way or has the same schedule, these learning options help make education more attainable. Group them with affordable tuition rates, scholarship opportunities and seamless transfer policies, and suddenly higher education becomes an exciting, viable reality.

Prepare to advance your education at RasmussenCollege with a degree from the one of the following:

  • School of Nursing
  • School of Health Sciences
  • School of Business
  • School of Technology
  • School of Design
  • School of Education
  • School of Justice Studies

Rasmussen College is a regionally accredited private college dedicated to changing lives through in-demand, flexible educational programs. Since 1900, the College has been committed to academic innovation and providing access to a high standard of learning. Rasmussen College offers Certificate and Diploma programs as well as Associate’s, Bachelor’s and Master’s degree programs online and across its 23 Midwest and Florida campuses.

Next steps:

  1. Text DEGREE15 to 99000 or visit rasmussen.co/dw  
  2. Click “Request Info”
  3. Complete the form
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Accident Insurance ▼

Administered by Reliance Standard

Voluntary accident insurance provides a range of fixed, lump‐sum benefits for injuries resulting from a covered accident, or for accidental death and dismemberment (if included). These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and childcare.

Features:

  • Portability
  • FMLA/MSLA Continuation
  • 24-Hour Coverage
  • 24-Hour Travel Assistance Services

Eligibility
All Active Full-Time Employees working 16 hours or more per week, except for any person working on a temporary or seasonal basis.

  • Dependents: You must be insured for your Dependents to be covered. Dependents are: Your legal spouse or domestic partner. Spouse must be under age 70 at date of application.
  • Your unmarried child(ren), including adoptive, foster and stepchildren who are financially dependent upon you for support and (1) under age 26 years or (2) under age 30 if the Dependent is an Illinois resident, served as a member of the active or reserve components of any of the branches of the Armed Forces of the United States, and has received a release or discharge other than a dishonorable discharge.
  • A person may not have coverage as both an Employee and Dependent.

Click here for the Reliance Standard Accident Plan brochure.
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Critical Illness Insurance ▼

Administered by Reliance Standard

Voluntary group critical illness insurance provides a fixed, lump- sum benefit upon diagnosis of a critical illness, which can include heart attack, stroke, paralysis and more. These benefits are paid directly to the insured and may be used for any reason, from deductibles and
prescriptions to transportation and child care.

Click here for the Reliance Standard Critical Illness brochure.
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Hospital Indemnity Insurance ▼

Administered by Reliance Standard

Voluntary hospital indemnity insurance provides a range of fixed, lump-sum daily benefits to help cover costs associated with a hospital
admission, including room and board costs. These benefits are paid directly to the insured following a hospitalization that meets the criteria for benefit payment.

Plan Features:

  • Guaranteed issue; no medical questions
  • No pre-existing conditions exclusions
  • Mental & Nervous and Substance Abuse treated same as any other hospital admission
  • No deductibles
  • Eligible for continuation of coverage
  • HIPAA privacy compliant
  • Overlying Major Medical Plan NOT Required*
  • Coverage Offered on a Voluntary Basis
*Overlying major medical plan is required for all California residents.

Click here for the Reliance Standard Hospital Indemnity brochure.
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Pet Insurance ▼

Administered by Pet Benefit Solutions

Established in 1995, Pet Assure is America’s Veterinary Discount Plan. As an alternative or addition to pet insurance, Pet Assure helps pet owners like you save on veterinary care. Pet Assure members save 25% at participating veterinarians on all in-house medical services, including:

  • Office Visits
  • Vaccinations
  • Dental Work
  • Spay & Neuter
  • Surgeries
  • Hospitalization
  • X-Rays
  • Emergency Visits

It’s as simple as that: since Pet Assure is not insurance, there are no forms to fill out, no waiting for reimbursements and no denials of coverage – even pets with pre-existing conditions are accepted. Pet Assure has participating veterinarians in all 50 states and Puerto Rico. Search for a veterinarian at www.petbenefits.com/search.

There are no exclusions based on type, breed, age or health of your pets. All pets are eligible for Pet Assure, and even pre-existing and hereditary conditions are covered. Pet Assure can be used as an alternative or complement to pet insurance. Pet Assure also includes a 24/7 Lost Pet Recovery Service.
 
Start saving on your pets’ veterinary care with Pet Assure!
 
Click here to view the Pet Assure Brochure.
 
Contact Information:
Useful Links:

 
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Employee Assistance Program (EAP) ▼

Life can throw a lot at you, from small worries to big concerns. If you find yourself focusing too much on relationship, work or other issues, your EAP benefit offers confidential help and support to help you take control. A specialist will listen to your needs and connect you to the appropriate resources. Clinicians, counselors, mediators, lawyers and financial advisors are ready to help you with:

  • Stress, anxiety and depression
  • Marriage and parenting issues
  • Workplace conflicts
  • Sleeping problems
  • Financial or legal questions
  • Substance abuse or other addictions

24-hour online access is also available at liveandworkwell.com.

Your Employee Assistance Program

Click here for a detailed informational flyer.
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Purchasing Power ▼

Experience a better way to buy with Purchasing Power, a benefit offered by Symphony Care Network. With our program, you can get the items you need now and pay overtime right through your paycheck. No credit check. Fixed payments. No hidden fees. With our online store, you can buy brand-name goods and services and pay for them over time right from your paycheck.

 
How is Purchasing Power a benefit?
With Purchasing Power, you can pay for purchases over time with a fixed, regular payment. We don’t charge interest, and we let you know how much you’ll pay right up front. Because the payments are automatically deducted, you don’t have to worry about scheduling them each month.
 
Who can participate?
  • If you are/have been an active employee of Symphony for at least 18 months.
  • You must be at least 18 years of age.
  • You must earn at least $20,000 a year.
  • You must have a bank account or credit card (to be used in case of non-payment via payroll deduction)
  • To register you will your ID. Your ID is your Social Security Number.
Contact Information:
Useful Links:
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Access Perks New! ▼

Administered by Access Perks

Introducing Access Perks! We are excited to announce a new discount program for all eligible employees. Save up to 50% at restaurants, retailers, hotels, grocery stores and more!

Access Perks helps you get the most bang from your benefits by saving you money on your everyday purchases. No other employee discount program comes close to delivering more savings. You’ll have access to over 1MM participating merchant locations in virtually every neighborhood nationwide, and it’s all available at no cost to you!

Download the “Access Perks” app today & start saving!

 

 
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Carrier Contact ▼

Click here to view the carrier contact sheet.