Important Legal Notices
- Important Legal Notices Affecting your Health Plan Coverage including:
- The Women's Health Cancer Rights Act of 1998
- Newborns Act Disclosure
- Notice of Special Enrollment Rights
- Statement of ERISA Rights
- 2020 Medicare Creditable Coverage Notice
- 2021 Medicare Creditable Coverage Notice
- Premium Assistance under Medicaid and the Children's Health Insurance Program (CHIP)
- Health Insurance Marketplace: Notice of Coverage Options
HIPAA Notice of Privacy Rights
Summary Annual Reports (SAR's)
The Employee Retirement Income Security Act of 1974 (ERISA) requires employers to furnish summary Annual Reports (SAR's) for covered benefit plans. These summaries contain certain financial information of the benefit plans sponsored by employers in a given plan year. As required, these SAR's are being made available to all employees and will be distributed on an annual basis.
Summary of Benefits and Coverage (SBC)
Health insurance issuers and group health plans are required to provide participants with an easy-to-understand summary about a health plan's benefits and coverage. The new form must include a short, plain language summary of benefits and coverage; a uniform glossary of terms commonly used in health insurance coverage, such as "deductible" and "co-payment"; and coverage examples allowing participants to compare between plans using two common medical situations. All insurance companies and group health plans must use the same standard SBC format to help participants compare between health plans.
Summary of Material Modifications (SMM's)
- FSA - Modification to definition of Eligibility due to COVID-19
- FSA - Modification to carryover amount
- TIAA - Modification to terms of 403(b) Hardship Distribution
Summary Plan Descriptions (SPD's)
- Health & Welfare Plans
- The H&W SPD is comprised of the Benefit Booklets for the self-insured benefits (Medical, Dental, Vision); the Insurance Certificates for the insured benefits (Life, AD&D, LTD, Business Travel) the Flexible Benefit Plan document (FSA & pre-tax premium pay option), and the Wittenberg Welfare Benefit Plans Wrap document.
- Flexible Spending Accounts
- TIAA - 403(b) Plan
TIAA-CREF- Automatic Enrollment and Qualified Default Investment Alternative (QDIA) Notice
Notification of the TIAA-CREF automatic enrollment provision is required to be sent on an annual basis to participants in the plan. In addition, all new employees who are eligible to participate in the defined contribution plan account under the plan will also be notified of the automatic enrollment provision upon first becoming eligible.
TIAA-CREF - Fee Disclosure Notices
Under the Department of Labor (DOL) Section 404(a) regulation, qualified retirement plan sponsors must provide disclosures to participants on plan-related information and investment-related fees and information. Additionally, a quarterly report (statement) that includes fees deducted from participant accounts must be provided. These regulations require that participants be provided with sufficient information regarding the plan and the designated investment alternatives offered under it to make informed investment decisions.