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How To EnrollCulpeper County: 2024-2025Benefits MicrositeWelcome to your New Hire Benefits Enrollment! Your physical, emotional, and financial health are important. Nowis the time to review your benefit options and choose what worksbest for you and your family. Learn about the resources availableto help you enroll.Click here to learn about Benefits EnrollmentGood Health Starts With Great Benefits
Benefits OfferedCulpeper County provides a full range of benefits that address your needs now and in the future. Your 2024- 2025 plan year benefits include: Medical Insurance, Health Savings Account, Dental Insurance, VisionInsurance, Life Insurance, Disability Insurance, Flexible Spending Accounts, and more! Review your benefitsguide to learn more.2024 - 2025 Culpeper County Benefits GuideCulpeper County offers excellent health plan options. However, no plan covers all the costs of a seriousillness or injury. If a major health event occurs, deductibles and coinsurance can add up to thousands ofdollars.We are excited to be offering voluntary benefits that allow you to greatly reduce this financial exposureand help bridge the gaps when the unexpected occurs. 2024 - 2025 Benefits
Anthem MedicalPlan OptionsCore BenefitsLearn MoreHealth SavingsAccount (HSA)Learn MoreVoluntary Lifeand AD&DAmeritas DentalPlan OptionsLearn MoreFlexible SpendingAccount (FSA)Learn MoreDisabilityInsuranceLearn MoreOptional VisionPlanLearn MoreLife and AD&DLearn MoreVoluntary ShortTerm DisabilityAnthemHealthKeepersAnthem Keycare HSAHigh Dental PlanPPO Dental PlanLow Dental Plan
Learn More Preferred Plan Learn MoreLearn More Learn More Learn MoreAccident InsuranceAccident Insurance pays benefitsdirectly to you if you suffer acovered injury.Critical IllnessCritical Illness pays a lump-sumbenefit in the event you arediagnosed with a covered criticalillness of specified disease.Hospital IndemnityHospital Indemnity coverage pays youa cash benefit if you or a coveredfamily member has a covered stay ina hospital, critical care unit orrehabilitation facility.Cancer AssistanceCancer Insurance pays you a cashbenefit to help cover expenses thattraditional insurance may notcover.Legal ResourcesGain peace of mind knowing help iswithin reach when you need legalhelp.Whole Life InsuranceSimilar to the Voluntary Term LifeInsurance, Voluntary Whole LifeInsurance provides a death benefitto your beneficiaries. Additional BenefitsPremier Plan
401(k) RetirementSet your future self up for financial stability with a 401(k) through Virginia Retirement Systems and Nationwide. Virginia Retirement SystemsAll full-time employees are enrolled in the VRS retirement savings program as a condition of employment. VRS is a defined benefit retirementplan. This means that once you retire with VRS you will receive a monthly benefit for life. Your monthly benefit is calculated on your age atretirement, your average final compensation and your years of service. To be eligible to retire with VRS you must be vested with at least 5years of service with the program, and meet the minimum age requirement. 5% of the employee’s basic monthly compensation will becontributed to his or her account each month. The 5% member contribution is contributed on a pre-tax basis. Please see plan details to learnmore about coverage and plan options.457 Deferred Compensation PlanAll full-time employees and part-time employees who consistently work 20 hours or more per week are eligible to enroll in Nationwide’s 457Deferred Compensation Plan. This retirement plan allows public employees like you to set aside money for retirement from every paycheck. Adeferred compensation plan helps you invest more because contributions are pre-tax. Generally, your taxable income in reduced by the amountyou defer. Your investments also potentially grow tax-deferred, meaning you don’t pay taxes until you start to make withdrawals, typically inretirement. Retirement BenefitsLearn MoreLearn More
Understanding COBRA: Continuation of Health CoverageFBA Flexible Spending AccountsIf you have a positive balance (payroll deductions are greater than the amount you have received in reimbursement) in your Health Care Spending Account at the time ofyour termination, you may continue participation in the Plan for the remainder of the Plan year. If you want to remain in the Plan, you can do so by selecting one of theCOBRA options. If you prefer to terminate your participation and contribution to the Plan, any balance in your account on the date of termination will be forfeited ifexpenses were not incurred prior to the date of termination. For more detailed information, please contact Human Resources at 540.727.3422 or Flexible BenefitAdministrators at 1.800.437.3539.Health and Dental PlansUnder the Health and Dental Plans, you and your covered dependents are eligible to continue coverage through COBRA according to the “qualifying events”.If you and your dependents are enrolled in the dental or health plans, you will be eligible to continue coverage through COBRA after you leave your employment for aspecified period. In addition, while covered under the plan, if you should die, become divorced or legally separated, or become eligible for Medicare, your covereddependents may be eligible to continue dental coverage through COBRA. Also, while you are covered under the plan, you covered children who no longer qualify as aneligible dependent may continue coverage through COBRA. Examples of an ineligible dependent would be when your child reaches the age of not being eligible fordependent coverage. You will receive notification with premium and continuation options shortly following your termination of employment. Should you have any questionsyou may contact Human Resources at 540.727.3422.Colonial LifeYou may continue your Colonial policies for yourself and eligible dependents who are covered when you terminate employment. For more information, contact Colonial Lifeat 1.800.325.4368.Securian National LifeYou no longer have life insurance if you (1) terminate employment with Culpeper County Schools and (2) do not meet the minimum age and service requirements to receivea retirement benefit with VRS at the time of separation. If you retire through VRS or meet the minimum age and service requirements at the time of separation, your basicgroup life benefit remains in effect at no cost to you. However, the amount of Basic retiree insurance is reduced.Continuation of Benefits
How to EnrollAt Culpeper County, we utilize Employee Navigator to support your enrollment needs.You must enroll in benefits within 30 days of your hire date. Once submitted, your planchoices are locked in for the entire plan year unless you experience a Qualifying Life Event.Questions?If you have any questions or need assistance, reach out to your HR Team or the ART Team.Culpeper CountyMadison Harmonmharmon@culpepercounty.govEnroll NowEnroll YourselfOnlineThe Employee Navigator onlineenrollment system is available 24/7during Open Enrollment.How to EnrollART Team1.866.802.6311art@onedigital.comMonday - Friday, 8am-5pm EST
Access HereAccess HereContact CardAll-inclusive contact card includingcarrier contact details, groupnumbers, and more for each benefitoffered.2024 - 2025Benefits GuideComprehensive guide summarizingeach benefit offered.Resource CenterThe Breakroom is a one stop shopto find a variety of educationalmaterials on benefits, wellnessand other important topics.Benefit Plan SummariesMedical Plan SummaryAnthem HealthKeepersAnthem Keycare HSAImportant ResourcesDental Plan SummaryAmeritas Low Dental PlanAmeritas PPO DentalAmeritas High Dental PlanVision Plan SummaryAmeritas Vision PlanLife & AD&D SummariesColonial Life Basic Life and AD&D InsuranceColonial Life Voluntary Life and AD&D InsuranceAnthem Disability InsuranceVoluntary Benefit SummariesColonial Life Voluntary Short Term DisabilityColonial Life Whole Life InsuranceColonial Life Accident Insurance - P re fe rr ed &Pr em ie rColonial Life Critical Illness InsuranceColonial Life Hospital IndemnityColonial Life Cancer InsuranceLegal ResourcesThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, planselection, and eligibility criteria. Please refer to the plan document, contract, and other notices contained in this document, applications, and other corresponding communications for additional information.Culpeper County Benefits Guide
The following forms may be useful to you when using your benefits. Pleasecarefully review, complete, and follow the instructions on the form to submitthem to the appropriate carriers.MedicalAnthem Medical Claim FormAnthem Prescription Claim FormImportant FormsThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final rates are dependent on actual enrollment, insurance carrier or plan rules, planselection, and eligibility criteria. Please refer to the plan document, contract, and other notices contained in this document, applications, and other corresponding communications for additional information.DentalAmeritas Dental Claim FormVisionAmeritas Vision Claim FormCritical IllnessColonial Life Critical Illness Claim FormCancerColonial Life Cancer Claim FormDisabilityColonial Life Disability Claim FormColonial Life BenefitsUniversal Claim Form