Insurance Enrollment instruction for newly eligible employees:
Enrollment will be done over the internet.
There are 2 different web sites you will be going to when you are finished with the first one it will take you automatically to the second one. The first web site will allow you to enroll in Medical, Dental, Free Life and Additional Life. The second one will allow you to enroll in Short Term Disability, Long Term Disability, Accident Coverage, and the Flexible spending for Medical and Daycare.
YOU HAVE TO GO TO BOTH WEB SITES AND EITHER DECLINE OR ACCEPT ALL COVERAGES.
Medical, Dental, Free Life and Additional Life
You will need to go to http://www.seebenefits.com/fv/.
- Your USER ID is your 6 digit payroll number (example payroll #4069 you will enter 004069).
- Your PASSWORD will be your SS# (does not matter if you use dashes or not).
This will then bring up your personal information that you have to update. You will need to update your dependent (children) information first; this does not automatically cover them on insurance you will elect that after all personal information is updated.
After updating all personal information it will then take you to a screen that gives you info on the benefits that are available to you and the cost.
You will then proceed to accepting or declining coverage's. You will then be prompted to continue to the applications and beneficiary information at that time for the coverage's that you have chosen.
When you are finished and have printed what you have chosen you will then click on the final step and it will take you to the American Fidelity web site to finish.
You will need to print the American Fidelity instructions to help you with this web site.
Open Enrollment For Your Supplemental Benefits
Accessing the Enrollment Site: When you finish on "See Benefits" there will be a link to direct you to American Fidelity website to finish your enrollment. Or access the enrollment site at http://www.afedirect.com/. Click on the "Online Enrollment Services" link to access the secure enrollment site. On this page you will find:
In the Group Login box type in the group login name (case-sensitive) and click the "Continue" button to proceed on to the next screen. Contact your Regional or District Manager if you've forgotten the group login name.
First Time Access: If this is your first time to access this page click on the "Register Here" button.
- Register: On the next screen, complete all of the required fields. Then click the "Create Account" button. Carefully read the instructions on the next screen, you will need this information to successfully login to your new account.
- Login: The next step will be to login to your newly created account. Follow the instructions given on the next screens to gain access to the enrollment system.
Already Registered: If you have already registered, you will provide the following:
- Login: Enter your Social Security Number without any dashes or spaces. Then press the Tab Key.
- Password: Enter the password you created during the initial login procedure.
- After completing the required fields click on the "Enter" button to proceed.
For Personal Assistance: Please call: 1-888 229-0022
PAYCHECK PROTECTION PLAN
Think of it as insurance on your income. If you were injured or ill, how long could you maintain your standard of living? A week.. A month.. To age 65?
If you are injured and can't work, your ability to earn an income is greatly reduced; while your expenses are likely to increase. Think about that; you'll still be expected to buy food, pay bills, keep up with mortgage or rent, and make car payments - all without a paycheck. In order to help offset these expenses at a time when you're unable to earn an income, your best option may be to purchase Disability Income Insurance.
Appropriate coverage could help eliminate the risk of reducing your standard of living. With Disability Income protection, you'll receive an income for Total Disability due to a covered accident or illness.
Disability Income Protection Benefits Available:
Short Term Disability Benefits are Payable Beginning:
Long Term Disability Benefits are Payable Beginning:
ACCIDENT: On the 1st day of Total Disability due to a covered Accident
ILLNESS: On the 8th day of Total Disability due to a covered Illness
CONTINUES: for up to 366 Days
(Must be purchased with the Short-Term Plan)
ACCIDENT: On the 366th day of Total Disability due to a covered Accident
ILLNESS: On the 366th day of Total Disability due to a covered Illness
CONTINUES: until age 65 for an accident or up to 5 years for an Illness
This is only a brief summary of benefits. See the brochure for the product benefits, limitations, and exclusions. Brochure information is available during the online enrollment. G-101-195B MCH#4811, MCP# 47689
Disability Income Insurance costs just pennies a day and is paid for through simple payroll deduction. See the online brochure for the product benefits, limitations, and exclusions.
Some good news about taxes...
- Injury Facts, National Safety Council (2003 Edition) page 10;
- Karter MJ. Fire loss in the United States during 2002. Quincy (MA): National Fire Protection Association, Fire Analysis and Research Division; 2003;
- Injury Facts, National Safety Council (2003 Edition) page 86; 4Injury Facts, National Safety Council, 2003 Edition, page 2.
You don't often see the words "good news' and "taxes" in the same sentence. But Section 125 of the Tax Code allows your out-of-pocket medical expenses and dependent day care expenses to be paid for with pre-tax dollars through the Flexible Spending Accounts. That means that you are taxed on less income, so you take home more or you have more dollars available to purchase other benefits. That's good news!
Flexible Spending Accounts
A Flexible Spending Account is a great way to pay for out-of-pocket Medical Expenses and/or Daycare Costs. When you enroll in a Flexible Spending Account, you will be provided with a voucher packet. Each pay period, the amount you designated will be deducted from your paycheck and deposited into this account. To receive reimbursement, you will simply need to complete and submit a claims voucher from your packet.
Flexible Spending Accounts allow you to save money because deductions are made from your paycheck before taxes are held. And because you know your daycare expenses and out-of-pocket medical expenses, you determine the amount that you contribute to this account. However, any money remaining in your Flexible Spending Accounts at the end of the year will be forfeited, so it's important to carefully estimate your needs.
Medical Expense Reimbursement
You can contribute up to $5,000 per year to pay for eligible medical expenses.
Dependent Day Care Reimbursement
You can contribute up to $5,000 per year to pay for eligible dependent day care expenses. For more details about these two plans, login to the enrollment web site using the instructions provided above.
Accident Protection PlusTM
Accident Protection... For You And Your Loved Ones. Accident Insurance coverage provides protection for you and your family against the additional expenses associated with accidental injury. You can never plan for an accident to happen, but you can plan your protection against the high costs associated with accidental injury and death. This plan provides Accidental Death and Dismemberment and medical expense benefits due to injuries sustained in a Covered Accident. Benefits are payable from the 1st day of coverage and are paid regardless of any other coverage you might have.
- Accident Emergency Treatment Benefit
- Ambulance Benefit
- MRI / CT Scan Benefit
- Medical Expense Benefit
- Hospital Confinement Benefit
- Transportation Benefits
- Family Lodging & Meals Benefit
- Accidental Death or Dismemberment Benefit
- Accident Disability Rider
- Spousal Accident Disability Rider
See the brochure for complete rates, benefits, limitations, and exclusions. Brochure information is available during the online enrollment. This product is inappropriate for people who are eligible for Medicaid coverage. (IAO-96AGD)
Did you Know?
With American Fidelity's Accident Only Insurance Policy...
- 98,000 accident fatalities occurred in the U.S. during 2001*
- Over 20,400,00 disability injuries occurred in the U.S. during 2001*
- All benefits are paid directly to you
- All benefits are paid regardless of other policies
- No reductions in benefits if you change jobs
- Accident Only Policy Guaranteed Renewable for Life as long a premiums are paid.
*Source: Injury Facts, 2003 Edition, Published by National Safety Council
These benefits are available exclusively through the online enrollment web site. See the instructions further up the page for details.
Products underwritten by: American Fidelity Assurance Company, 2000 North Classen Boulevard, Oklahoma City, OK 73106