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Confidential
Forsyth County
Schools
2020 Open
Enrollment
ShawHankins Acquired by NFP
• ShawHankins, was recently acquired by NFP. NFP is an
insurance industry leader with more than 5,000 employees and
250+ offices across the United States. As one of the largest
benefits brokers in the nation, NFP provides their clients with
best-in-class products and services.
• With this acquisition, the ShawHankins name officially changed to
NFP in August 2019. You will see this new name and branding
on your benefit materials.
• While the company name will change, exceptional service
remains the priority for the ShawHankins/NFP team. The service
team, enrollment portal, contact numbers and office locations will
not change. However, they will now have even greater ability to
effectively serve you.
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NFP
• Service Center can answer questions on all benefits
• Available 8:30am – 5:00pm during open enrollment
• NFP Service Center can be reached at 800-994-7429
• Benefit Resource Center – visit https://www.forsyth.k12.ga.us/
and under Staff Resources, select Benefits
• All elections will be made using the NFP bswift enrollment portal
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Changes for 2020
• Life, Voluntary Life, Long Term and Short Term Disability moving to
MetLife
• No change to benefit schedule or rates
• Voluntary Life Modified Open Enrollment
• All eligible employees can enroll without prior coverage or
Evidence of Insurability (EOI) up to $100,000
• Employees can continue to elect up to $30,000 of Spouse
Voluntary Life without Employee benefit election
• Health Flexible Spending Account Change
• The Healthcare FSA Limit is now $2,700
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Open Enrollment
• Open Enrollment is October 21 – November 8, 2019
• Enrollment Assistance will be available between October, 25 –
November 7, 2019
• NFP will be available to answer questions and assist with
enrollments
• A translator will be on site
• Schedule your appointment at https://47kyzgpymm.timetap.com
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Date Time Location
Friday October 25th 8:00am – 5:30pm Drive Lab #1
Tuesday October 29th 8:00am – 5:00pm Drive Lab #1
Wednesday October 30th 8:00am – 5:30pm Drive Lab #1
Monday November 4th 8:00am – 5:00pm Room #380
November 7th 8:00am – 4:30pm Room #350
Employee’s Responsibility
• Read Open Enrollment Materials
• Update your personal information and check beneficiaries
• Complete your enrollment by going online, meeting with an
enrollment counselor, or calling into the NFP Service Center by
11:59pm on November 8, 2019. NO EXCEPTIONS!!
• Check your January payroll deductions to ensure accuracy
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Enrollment Guidelines
5
• Open Enrollment is your opportunity to make elections for 2020
• To add someone to your benefits you have to provide the
following documentation:
• Marriage Certificate
• Birth Certificate
• Date of Birth
• Social Security Numbers
• The only other time you can make a change to those elections
is if you experience a Qualifying Life Event.
Qualifying Life Event
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• Marriage
• Divorce
• Birth of Child
• Loss of other coverage
• Loss of dependent status
You have 31 days from the date of the Qualifying Life Event to notify
Human Resources of the change and provide them with appropriate
documentation.
Bswift Online Enrollment
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• Make all elections through Bswift enrollment portal: www.forsyth.bswift.com
• Username: last name, and last 4 digits of your ss#
• Example: Smith4567
• Password: Last 4 digits of your ss#
• If you do not make elections through the enrollment portal, your coverage will roll over for the 2020 plan year. The only exception is Flexible Spending. You must enroll in Flexible Spending in order to participate in the plan for 2020.
• You will not be permitted to make changes after the open enrollment period ends, unless you experience a qualifying event.
Enrollment Portal
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11/08/2019
Completing Enrollment
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Enrollment Complete
Dental Coverage
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Plan Provisions Buy-Up Plan
Calendar Year Deductible
Single
Family Max
$50
$150
Annual Benefit Max $1,750 calendar year
Diagnostic/Preventive Services
Periodic oral evaluation,
Prophylaxis (cleanings), Bitewing
X-rays
100% coverage
No Deductible
Basic Treatment (Type B)
Fillings, periodontics, endodontics,
oral surgery, simple extractions
80% coverage (subject
to deductible)
Major Treatment
Dentures, bridges, crowns,
Implants
50% coverage (subject
to deductible)
Orthodontia (Child Only)
Child(ren) only up to
age 19
50% coverage; $1,500
lifetime maximum
• Dental coverage is offered through MetLife. For the best benefits, make sure
you utilize an In-Network provider.
• To locate a provider log on to metlife.com and go to I Want To Find a MetLife
Dentist. Enter your zip code and select the PDP Plus network. Enter your
search criteria and click on the SUBMIT button.
Plan Provisions Buy-Up Plan
Calendar Year Deductible
Single
Family Max
$50
$150
Annual Benefit Max $1,720 calendar year
Diagnostic/Preventive Services
Periodic oral evaluation,
Prophylaxis (cleanings), Bitewing
X-rays
100% coverage
No Deductible
Basic Treatment (Type B)
Fillings, periodontics, endodontics,
oral surgery, simple extractions
50% coverage (subject
to deductible)
Major Treatment
Dentures, bridges, crowns,
Implants
Not Covered
Orthodontia (Child Only)
Child(ren) only up to
age 19
Not Covered
Vision Coverage
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Benefit In-Network Out-of-Network Frequency
Vision Exam $10 copay Up to $52 allowanceOnce every 12
months
Contact Lenses Allowance Max Amount
Once every 12 monthsElective
Medically NecessaryUp to $150 allowance
Covered in fullUp to $130 allowanceUp to $250 allowance
Contacts FittingStandardPremium Member cost up to $40
10% off retail price
Not coveredOnce every 12
months
Standard Plastic Lenses Copayment Max Amount
Once every 12 monthsSingle Vision
BifocalTrifocal
Covered in full after a $20 copay
Up to $55 allowanceUp to $75 allowanceUp to $95 allowance
FramesUp to $150 allowance; 20% off additional cost
Up to $45 allowanceOnce every 24
months
• Vision coverage is offered through EyeMed. For the best benefits, make sure
you elect an In-Network provider.
• For a complete list of providers near you use our Provider Locator on
www.eyemed.com and choose the INSIGHT network or call 1-866-804-0982.
• For Lasik providers call 1-877-5LASER5 or visit eyemedlasik.com.
Flexible Spending Accounts
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• Will continue to be administered by TASC for 2020
• Two separate accounts- Healthcare Spending Account and
Dependent Care Spending Account
• Allows you to set aside pre-tax dollars to spend on qualified
expenses, reducing your taxable income
• Must make new elections for 2020- via bswift
• Healthcare Maximum is now $2,700
Flexible Spending Accounts
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• Medical Spending Account
• Maximum contribution of $2,700
• Some eligible expenses- Deductibles, copayments, dental expense,
vision services and materials
• Dependent Care Spending Account
• $5,000 for married couple filing joint income tax returns, $2,500 if
unmarried or married and filing separate income taxes
• Some eligible expenses- any care of a dependent that allows you and your
spouse to work: day care, after school program, in-home care, camps
• May rollover up to $500 left in the Medical Spending Account at the
end of the year. Any other unused funds will be forfeited.
Basic Life & AD&D and Voluntary Life & AD&D
• Forsyth County Schools provides a Basic Life and AD&D benefit of $30,000 at no cost to you
• Provided through Met Life
• Forsyth County Schools provides a Voluntary Life and AD&D benefit up to $500,000 for Employees, $100,000 for Spouses and $10,000 for Child(ren) at additional cost
• Provided through Met Life
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Voluntary Life Insurance
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Benefit Coverage
Employee Voluntary Life/AD&D You can purchase coverage in increments of $10,000 up to a maximum of $500,000 not to exceed 5 x your annual salary.
New Hires: You will have a guarantee issue (GI) amount of $350,000 (not to exceed 5 x your annual salary). Employee elections over GI will require Evidence of Insurability.
Spouse Voluntary Life/AD&D (eligible spouses up to age 70)
You can purchase coverage in increments of $5,000 to a maximum of $100,000. You can elect up to $30,000 of spouse coverage without electing coverage for yourself.
New Hires: You will have a guarantee issue amount of $50,000 not to exceed $30,000 if the employee is not covered.
Child(ren) Voluntary Life/AD&D(dependent children up to age 26)
You can purchase coverage in increments of $2,000 to a maximum of $10,000.
New Hires: You will have a guarantee issue amount of $10,000.
Please note: Since your insurance will be provided by a new carrier, this open
enrollment all employees without prior coverage can enroll in Voluntary Life up
to a maximum of $100,000 without answering evidence of insurability (EOI).
Those with existing coverage can increase to $100,000 without EOI.
Employees can also elect/increase Spousal Voluntary Life up to $25,000
without EOI.
Short Term Disability
• Provided through Met Life
• Pays after you are disabled for 14 days
• Covers 60% of your salary, up to $1,500 per week
• Pays for up to 17 weeks of disability
• Enroll through bswift
If you are not currently enrolled in Short Term Disability, you must
complete an Evidence of Insurability and be approved for
coverage.
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Long Term Disability
• Provided through Met Life
• Pays after you are disabled for 120 days
• Covers 60% of your salary, up to $7,000 per month
• Continues to pay until you can return to work or reach
SSNRA
• Enroll through bswift
If you are not currently enrolled in Short Term Disability, you must
complete an Evidence of Insurability and be approved for
coverage.
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Accident
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Covered Injuries Benefit Amount
FracturesOpenClosedChips
Up to $7,500Up to $3,750
25% of closed amount
DislocationsOpenClosed
Up to $6,000Up to $3,000
Concussion $150
Coma $10,000
Ruptured Disc $800
Dental Work, EmergencyExtractionCrown
$100$300
Emergency and Hospitalization Benefits
Benefit Amount
Ambulance (group, once per incident)Air Ambulance
$400
$1,500
Emergency Room Treatment $150
Hospital Admission $750
Hospital Confinement $200
Medical Imaging Test $100
Outpatient Surgery Facility Service (once per incident)
$50
Accident Coverage is available through UNUM. In addition to the
coverages listed below, you also are eligible to receive a $50.00
Wellness Benefit just for having the Accident coverage. Simply have
your annual physical each year (including one of the qualified tests) and
receive $50 directly from Unum.
Long Term Care
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Long Term Care is available through UNUM. As an employee you are
eligible for benefit amounts on a Guarantee Issue basis of up to and
including $6,000 and a Facility Benefit Duration of 3 or 6 years.
Benefit Duration 3 Years 6 Years Unlimited Duration
Facility Benefit Amount Per $1,000 increments$1,000 to
$8,000
$1,000 to
$8,000
$1,000 to
$8,000
Assisted Living Facility Percent 60% 60% 60%
Lifetime MaximumPer $1,000 Increments
$36,000 $72,000 Unlimited
Professional Home Care 50% 50% 50%
Inflation Protection* - OptionCompound
Uncapped
Compound
Uncapped
Compound
Uncapped
Ancillary AFLAC Benefits
• Cancer Policy
AFLAC provides cash benefit directly to you, unless assigned , to pay
expenses such as out-of-pocket medical expenses , deductible, co-
payments, mortgage or rent, childcare expenses, or other daily living
expenses.
• Universal Life
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LONG TERM CAREProvides up to 25 months of benefits for home healthcare, assisted living, adult day care and nursing home care
EXTENSION OF LTC Extends LTC benefits up to an additional 25 months
BENEFIT RESTORATION Restores the benefits paid out by LTC
FAMILY COVERAGECoverage is available for employees (ages 18-75), spouses (ages 18-70), children (up to age 23), and grandchildren (up to age 19)
DIRECT PAYMENT Benefits paid directly to the policyholder enabling choices in care
STREAMLINED UNDERWRITING
Simple and efficient underwriting process
EZ VALUE OPTIONAutomatically increases benefits to keep pace with an employee’s growing needs, without additional underwriting
TERMINAL ILLNESS BENEFIT
Accelerates up to 75% of the benefit if a doctor determines the policyholder’s life expectancy is 24 months or less
Telemedicine
Telemedicine is administered through New Benefits. This is a discount
benefits program offering significant savings from thousands of providers
across the nation. All of the benefits include the employee and his/her
immediate family.
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Packages Benefits *Cost
NFP Advantage
• Teladoc• Health Advocacy• Medical Bill Saver
• Nurseline• Doctors Online• Pharmacy
$8.93
NFP Advantage Plus
• Teladoc• Health Advocacy• Medical Bill Saver• Nurseline• Doctors Online• Vision
• Dental• Pharmacy• Pet Care• Lab Testing• MRI & CT Scans• Hearing Aids
$12.23
NFP Premier
• Teladoc• Health Advocacy• Medical Bill Saver• Nurseline• Doctor’s Online• Vision • Dental• Pharmacy
• Pet Care• Lab Testing• MRI & CT Scans• Hearing Aids• Legal Care Direct• ID Sanctuary Enhanced
(family)• Roadside Assistance
$18.96
Benefit Resource Center
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• Visit https://www.forsyth.k12.ga.us/
under Staff Resources, select Benefits
• This site contains benefit information, informative videos on
each benefit offering, links to important documents and
forms, and contact information.
Questions?
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NFP.com