2009 Benelect Guide - After Tax Benefits
The purpose of this guide (print pdf version) is to provide you with an overview of Benelect, the flexible benefits program at Case. This is not intended to be a comprehensive description of the benefit plans. Details of individual benefit plans are provided in legal plan documents and contracts that govern the operation of the program. Specific coverage information is contained in the individual summary plan descriptions available from the medical insurance carrier or Benefits Administration.
Optional After-Tax Benefits
Internal Revenue Service rules require you to use after-tax dollars to pay for any of these optional benefits. After-tax benefits are available through payroll deduction. Voluntary benefits begin January 1 and will remain in effect for the whole calendar year (except group auto and home).
Group Auto and Home
MetLife Home and Auto underwrites MetPay group auto and home program. MetPay offers employees a wide range of quality coverage including automobile, home, boat, umbrella, and other personal property and liability insurance at special rates and discounts. Cost of coverage is based on an individual basis. Inquire by phone 1-800-438-6388 for your policy. Coverage begins and ends according to your individual policy.
Prepaid Legal
Hyatt Legal Plans offers representation for many personal legal services through the prepaid Legal Plan. Covered services include wills and estates, debt matters, injury and insurance, traffic, criminal, and real estate. In addition, you may receive telephone advice and office consultations for virtually any personal legal matter. This gives you the opportunity to discuss with an attorney any personal legal problems that are not specifically excluded matters, even if the matter is not fully covered.
- In Network: All covered services are paid in full and no claim forms.
- Out of Network: You may choose a non-plan attorney and be reimbursed according to a set fee schedule.
- Legal summary plan description (pdf).
Long-term Care
Case offers you the opportunity to supplement your employee benefits package by purchasing coverage under the MetLife Long-term care insurance plan. Long-term care is the type of care you would need if you required assistance with everyday activities, such as eating, dressing or bathing. Long-term care is not just for the elderly, disabling accidents and illnesses can happen to anyone. Long-term care insurance can help protect your financial assets from the substantial costs of long-term care expenses. For more information visit www.metlife.com/mybenefits >> [enter company name = Case Western Reserve University] or inquire by phone 1-800-438-6388. Coverage begins and ends according to your individual policy.
Dependent Life
Dependent life insurance is a benefit that will be paid to you if your spouse (equivalent) and/or child dies. Assurant quotes the same price tag for covering just a spouse (equivalent) or an entire family because it is more cost effective. You can choose from two levels of coverage:
- $5,000 spouse/$1,000 each child
- $10,000 spouse/$2,000 each child
No person may be covered both as a Case employee and as a dependent of an employee; and no person may be covered as a dependent of more than one employee. If you and your spouse both work for the university, you may not elect the spousal life insurance and only one of you may elect dependent life insurance for your children. Coverage for spouse ends when they reach age 85, please notify Benefits Administration to stop deductions for Dependent Life.
