Healthy Times

LFCHD Employee Newsletter

Archive for the category “Human Resources”

Need help understanding your Kentucky Retirement Benefits?

This comparison chart will show you the main differences between the three tiers of coverage:

Frequently asked questions_Page_1

To find the answers to all of your retirement questions visit the new more user-friendly KRS Self Service website at MyRetirement.ky.gov. To register, all you need is your Social Security number, date of birth, and PIN number. If you don’t have a PIN, please contact the membership support division at 800-928–4646 or 502-696-8578. The PIN will be mailed to your address on file with KRS the following business day.

These are just a few of the many benefits of logging on to Self Service:

  • Keep Contact Information Current
  • Review Beneficiary
  • View Account History and Balance
  • Download Forms

Delta Dental Insurance benefits

Do you participate in one of the LFCHD sponsored dental plans through Delta Dental? If so, read below for some important reminders.

More than 120 signs and symptoms of non-dental diseases can be detected through a routine oral exam. These are a few of the health problems with oral signs and symptoms:

  • Anemia: Burning, fiery red tongue, swelling of the corner of mouth or pale gums
  • Anorexia nervosa and bulimia: Erosion of tooth enamel, fillings raised above the eroded tooth surfaces, sensitive teeth, enlarged parotid glands and sweet breath aroma
  • Deficient immune system (HIV positive): Thrush mouth, unexplained sores, non-removable white areas on the sides of the tongue
  • Diabetes: Dry mouth, distinctive breath odor, burning tongue, high rate of tooth decay, inflammation and infections in the mouth
  • Heart disease: Pain radiating to the jaw
  • Kidney failure: Retarded tooth development in children, dry mouth, odor, metallic taste and ulcers on the tongue and gums

Don’t forget to schedule your annual exams. For a list of participating dentists, call customer service at 800-955-2030 or go to their website at www.DeltaDentalKY.com

Delta Dental also offers discounts on hearing test and hearing aids through the Amplifon Program. Call 1-888-832-1867 to schedule your hearing appointment. This program offers these great feature to Delta Dental members:

  • 60-day trial period-100% money-back guarantee on hearing aids
  • 1-year free follow-up care for hearing aids
  • Free batteries for hearing aids
  • Average hearing aid savings of 25% off

Baptist Health Medical plan features

For those of you who participate in the Baptist Health Medical plans, there are features you may not know…

Baptist Health offers numerous additional services to members enrolled in their health care plans. These are just a few of the additional services:

  • Nurse First: Baptist Health provides access to a registered nurse to answer health care concerns and questions for members 24 hours a day, 7 days a week. The number is 1-800-391-6861.
  • Tobacco Cessation Coverage: Prescription and generic over-the-counter tobacco cessation products that are fully covered as part of the health care reform law when prescribed by a health care provider:
    • Prescription drugs covered: Bupropion SR, Chantix, Nicotrol inhaler, Nicotrol NS
    • Generic over-the-counter products covered: Generic Nicotine Gum, Generic Nicotine Lozenge, Generic Nicotine Transdermal Patch
  • Vitals SmartShopper: If your doctor has referred you for a medical service or diagnostic test, you can take advantage of the benefits of SmartShopper. If you have a choice of where the services are preformed visit vitalsmartshopper.com or call 855-869-2133 at least 24 hours before the test or procedure. After you choose a cost-effective facility with SmartShopper, they will mail your rewards check to your home within 60 days after your claim is paid (HMO Plans are not eligible for this service).

Take advantage of the Employee Assistance Program

Take advantage of the Employee Assistance Program that is provided free of charge from the Lexington-Fayette County Health Department.

The services provided by Access Wellness Group are completely confidential and covered under HIPAA regulations. We provide up to 8 individual EAP sessions per employee per year, with additional sessions available to members of your immediate household, up to a maximum of 16 sessions. This service is a prepaid benefit, so when you use your EAP service there is no co-pay or other additional charge for the service.

Access Wellness Group is a team of experienced highly respected professionals who provide all types of counseling and resources for mental health concerns.

The clinical staff at Access Wellness Group includes Psychologists, Licensed Clinical Social Workers, Licensed Marriage and Family Therapist and Advanced Practice Registered Nurses who specialize in mental health. They incorporate a wide variety of therapeutic approaches that are focused on helping clients achieve greater wellness.

Other EAP Services:

Legal Consultation: If you are considering legal action or just have questions about common legal issues, an attorney is available to provide you with two hours of free legal consultation.

Financial Counseling: Need help putting together a budget? Use your EAP counseling sessions to meet with a financial counselor to help reach your savings goals, deal with creditors, or simply help you set a budget.

Elder Care Consultation: Use your EAP sessions for guidance from an eldercare professional. They can help with issues associated with caring for an aging family member and assure that you are making the most of all community resources available.

You can visit their website www.accesswellnessgroup.com for more information. It is easy to set up an appointment just call 859-309-0309 or 877-834-7836.

Why is vision care important?

Annual eye exams can detect early signs of these health conditions:

  • High blood pressure-retina changes caused by high blood pressure is known as hypertensive retinopathy.
  • Glaucoma-caused by increased fluid pressure in the eye that damages the optic nerve and retina.
  • Thyroid eye disease-also known as Graves’ eye disease, is the manifestation of hyperthyroidism  on and around the structures of  the eyes.
  • Heart conditions-signs of serious heart conditions can show up earlier in the eye due to unobstructed views of blood vessels.
  • Diabetic Retinopathy-symptoms are usually unnoticeable until it’s too late. When your eye doctor dilates your eyes your blood vessels can be checked for early diagnosis.

Eye Med offers discounts for hearing exams and hearing aids through Amplifon Hearing Health Care.

  • One in nine Americans have hearing loss.
  • Hearing and vision loss go hand in hand.
  • 95% of hearing loss can be treated with hearing aids.

Get the most out of life and stay on top of your health and vision care by getting an annual eye exam. All benefit eligible employees have the option to choose supplemental vision insurance through Eye Med during open enrollment. You can use this supplemental vision insurance along with your Baptist Health Plan vision coverage. When you use both vision insurance plans together, all you need to do is decide which plan you want to be primary and then use the secondary process as out of network.

Kentucky Deferred Compensation offers more than you think

Did you know that Kentucky Deferred Compensation (KDC) offers more than 401K accounts?  See below the list of accounts you can choose from and the four different ways you can invest through KDC:

Account Choices

401K – Contributions are pre-taxed payroll deductions. You can transfer funds from another qualified plan to your KDC account. The minimum deposit is $30 monthly with a maximum annual contribution of $18,000. If you are age 50 and above you can deposit a catch-up amount of $6,000 annually.  The funds are available to you upon severance from employment, retirement, or in the year age 59 ½. You can receive a loan against the funds and this account does allow for Emergency/Hardship Withdrawals.

457(b) – This account mirrors the 401K account except for two important differences. This account is available to you upon severance from employment, regardless of your age. Withdrawals are taxed as ordinary income but are not subject to the IRS 10% early withdrawal penalty.

Roth 401K – Contributions to this account are after tax deductions. The minimum and maximum contributions are the same as the traditional 401K. You can only roll over funds from another Roth 401K or Deemed Roth IRA account. Qualified distributions are not subject to federal income tax. If you withdrawal funds before owning the account for 5 years and reaching 59 ½, the investment earnings will be subject to ordinary tax and possibly a 10% early withdrawal penalty tax. This account does not allow loans against the funds or Emergency Hardship Withdrawals.

Deemed Roth IRA – After tax annual maximum contribution is $5,500 with a $1,000 catch-up allowed if you are age 50 and above. You may deposit funds into this account through payroll deductions or direct payments as long as you are actively working for a participating employer. You can directly rollover funds from another Roth IRA or Roth 41K. Contributions and earnings can be withdrawn at any time. However, earnings may be subject to federal taxes or penalties if the money has not been maintained in the account for 5 years and the owner has not reached 59 ½.

Deemed Traditional IRA – After tax, annual maximum contribution is $5,500 with a $1,000 catch-up allowed if you are age 50 and above. You may deposit funds into this account through payroll deductions or direct payments until the year you reach 70 ½, and are actively working for a participating employer. You can directly rollover funds from another Traditional IRA account or another qualified retirement plan (e.g. 401K) but not a Roth IRA. Withdrawals may be subject to regular income tax. Withdrawals taken before age 59 ½ may be subject to a 10% early withdrawal penalty.

Investment Options

Nationwide Pro Account – For a small asset management fee, you contract with Nationwide Investment Advisors to manage your KDC account in accordance with information that you provide.

Investment Advice from NIA – This free online tool allows you to use research and educational tools to help choose funds. You must initiate any actions you with to take.

Select a Managed Target Fund – You select professionally managed target retirement funds closest to your retirement age.

Do It Yourself – Selecting from a diversified set of over 30 investment options designed for long-term retirement savings.

Please contact our Kentucky Deferred Compensation Representative if you would like to sign up for an account or make changes to an existing account. Please feel free to contact him to answer any of your questions about the accounts or investment options.

jamie

Life insurance, travel insurance, and estate planning 

Please view the important benefit information below provided by Human Resources. Look for an email from Teresa McCarty for more information.

Did you know that your Lincoln Financial Group (LFG) insurance policy offers more than just life insurance?  See below for a list of the additional features available in your life insurance policy provided by the Lexington-Fayette County Health Department and LFG at no cost to you:

Life Keys:  Online will and testament preparation service, identity theft resources, and beneficiary assistance.

Travel Connect:  Provides travel, medical, and safety-related services for employees and eligible dependents while traveling more than 100 miles from home.

Accelerated Death Benefit:  Provides an option to withdraw a percentage of your life insurance coverage when diagnosed as terminally ill.

Accidental Death & Dismemberment (AD&D):  Provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (e.g., the loss of a hand or foot). If death occurs from a covered accident, both the life and the AD&D benefit would be payable.

Conversion:  If you terminate your employment or become ineligible for this coverage, you have the option to convert all or part of the amount of coverage in force to an individual life policy. Conversion election must be made within 31 days of your termination date.

HR Hotspot: 2015 tax information

Our Human Resources department has launched a new Healthy Times feature to provide updates on information employees can use on various HR issues. Be sure to watch for “HR Hotspot” on here!

• 2015 W2s

It’s that time of year! We have all began in one way or another to prepare in filing 2015 taxes. HR has been expeditiously working to wrap up on year end reports in preparation to deliver W2s to employees. We anticipate W2s to arrive at LFCHD and be delivered to department supervisors by the end of this week. They should also be available on ECI, under the Compensation tab, by then as well.

• 1095-C

1. What is this Form 1095?
The 1095 is a new tax form that is sent to you by your company that includes information about your healthcare insurance coverage. Almost all employees will get this. It serves as a “proof of insurance statement” that shows the IRS that you have health insurance coverage through your company. You’ll take information from it to use in your tax filing, similar to how you take information from your W-2 form and transfer it to your tax forms.

You can see what the 1095-C (there are three versions: A, B and C. C is used by companies with 50 or more employees) looks like here!

2. Why am I even getting a 1095 form?
You’re getting it because it’s required that you receive it as part of the new healthcare law, the Affordable Care Act.

3. When will I be getting my 1095?
You should receive your 1095 form by the end of February.

4. What do I do with it?
As mentioned in the previous question, your 1095 will contain information that you will transfer to your 1040, 1040A or 1040EZ tax form. You do not need to submit the 1095 form with your 1040. In fact, most people will only have to check a box on their 1040s stating that they (and their dependents if applicable) were covered by their company for the year.

5. Where can I get more information about the 1095?
You can find more 1095 information here on the IRS website.

New stress management class session added; now with CEU eligibility


Human Resources has now added an additional session of the $3 Birdfeeder: Managing Personal Stress training opportunity (please see image above for updated information). Per KBN #4-0113-7-16-013, 1.2 CEUs awarded for nursing attendance; however, all staff are welcome to attend. Don’t forget, if enrolled in the Worksite Wellness Incentive Plan, you are eligible to earn 25 wellness points for attending.

Click thru to register for one of the sessions…
Read more…

Recognize signs of stress; don’t let it fly under the radar


Sign up for a session by using the form below and filling out all information completely. Then, hit “Submit.”

25 WELLNESS POINTS

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