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Old Dominion University. The Department of Human Resources Presents BENEFITS 101. What is the purpose of Benefits 101?. Provide information on what benefits are available. Explain where to find your benefit information - PowerPoint PPT PresentationTRANSCRIPT
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Old Dominion Old Dominion University University The Department of Human The Department of Human
ResourcesResources
PresentsPresents
BENEFITS 101BENEFITS 101
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What is the purpose of Benefits What is the purpose of Benefits 101?101?
Provide information on what Provide information on what benefits are available.benefits are available.
Explain where to find your benefit Explain where to find your benefit informationinformation
Provide information on what to do Provide information on what to do if there is a problem; who to if there is a problem; who to contact.contact.
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Program ContentProgram Content What benefits are available?What benefits are available? What benefits are provided byWhat benefits are provided by
Old Dominion University to full Old Dominion University to full time employees?time employees?
How to find out what you have?How to find out what you have? How can you make changes?How can you make changes?
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What Benefits are What Benefits are Available?Available?
RetirementRetirement Life InsuranceLife Insurance COVA Health Care COVA Health Care Tax Sheltered AnnuitiesTax Sheltered Annuities Deferred CompensationDeferred Compensation Employer Cash MatchEmployer Cash Match Flexible Reimbursement AccountsFlexible Reimbursement Accounts
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What Benefits are Available What Benefits are Available (continued) (continued)
Long Term DisabilityLong Term Disability Accidental Death/DismembermentAccidental Death/Dismemberment Legal PlanLegal Plan Optional Life InsuranceOptional Life Insurance Long Term Care InsuranceLong Term Care Insurance
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What Benefits are Available? What Benefits are Available? (continued) (continued)
WorkersWorkers’’ Compensation Compensation Return to Work ProgramReturn to Work Program HolidaysHolidays Employee Assistance ProgramEmployee Assistance Program University I.D. CardUniversity I.D. Card Tuition AssistanceTuition Assistance Virginia Sickness and Disability Virginia Sickness and Disability Program (VSDP) Program (VSDP)
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What Benefits are Provided as What Benefits are Provided as a Condition of Employment?a Condition of Employment?
VRS Basic Life InsuranceVRS Basic Life Insurance
Retirement Plan MembershipRetirement Plan Membership
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Retirement PlansRetirement Plans Classified Employees: Classified Employees:
Virginia Retirement System (VRS)Virginia Retirement System (VRS)
Faculty/Faculty Administrators:Faculty/Faculty Administrators:
Virginia Retirement System (VRS)Virginia Retirement System (VRS)
- OR -- OR -
Optional Retirement Plan (ORP)Optional Retirement Plan (ORP)
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VVirginia Retirement irginia Retirement System (VRS) System (VRS)
defined benefit plan with a formula to defined benefit plan with a formula to calculate retirement benefits based on age, calculate retirement benefits based on age, years of service, salaryyears of service, salary VRS assumes all investment riskVRS assumes all investment risk vested after five years of servicevested after five years of service Member Benefit Profile Member Benefit Profile sent each Fall with sent each Fall with service, contributions, interest, life insurance, service, contributions, interest, life insurance,
projected retirement benefitsprojected retirement benefits Employees hired after 1/1/99 automatically Employees hired after 1/1/99 automatically enrolled in the Virginia Sickness and Disability enrolled in the Virginia Sickness and Disability Program (VSDPProgram (VSDP) () (faculty may elect or decline)faculty may elect or decline)
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Optional Retirement PlansOptional Retirement Plans
plans are portable (take with you if youplans are portable (take with you if you
leave ODU employmentleave ODU employment vested immediatelyvested immediately employee determines how contribution is employee determines how contribution is
invested and assumes all risks for invested and assumes all risks for investment optionsinvestment options
investment gains and losses affect investment gains and losses affect retirement benefitretirement benefit
defined contribution plandefined contribution plan irrevocable electionirrevocable election
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Life InsuranceLife Insurance Coverage is provided by ODU for Coverage is provided by ODU for
full time and part-time salaried full time and part-time salaried employees employees
Provider is Minnesota LifeProvider is Minnesota Life No medical examination requiredNo medical examination required Natural and Accidental death benefitNatural and Accidental death benefit Accidental death and dismemberment Accidental death and dismemberment
benefitbenefit
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Life Insurance Life Insurance (continued)(continued) Accelerated death benefit for Accelerated death benefit for
terminal medical conditionterminal medical condition Safety belt benefitSafety belt benefit Repatriation benefitRepatriation benefit Taxes on basic group life (if coverage Taxes on basic group life (if coverage
exceeds $50,000, the excess of exceeds $50,000, the excess of $50,000 may be considered imputed $50,000 may be considered imputed income and subject to taxesincome and subject to taxes))
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Life Insurance CoverageLife Insurance CoverageNatural Death: your annual salary Natural Death: your annual salary
rounded to the next highest thousand and rounded to the next highest thousand and doubleddoubled
($34,100 X 2 = $35,000 X 2 = $70,000)($34,100 X 2 = $35,000 X 2 = $70,000)
Accidental Death: four times your Accidental Death: four times your annual salaryannual salary
($34,100 X 4 = $35,000 X 4 = ($34,100 X 4 = $35,000 X 4 = $140,000)$140,000)
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BeneficiariesBeneficiaries Paid according to the order of precedence Paid according to the order of precedence
if no beneficiary is designated:if no beneficiary is designated: SpouseSpouse Child or childrenChild or children ParentsParents
If there are none of the above, executor or If there are none of the above, executor or
administrator of the estate or other designee.administrator of the estate or other designee.
Reminder: Keep your beneficiary Reminder: Keep your beneficiary
listing current.listing current.
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What Benefits do I Have?What Benefits do I Have? I have no idea what benefits I have. I have no idea what benefits I have.
How do I find out? Where is my How do I find out? Where is my benefits information available? benefits information available?
Listed on your LEO On-line Pay Listed on your LEO On-line Pay StubStub
Department of Human ResourcesDepartment of Human Resources
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When Can I Make When Can I Make Changes Changes to my Benefits? to my Benefits?
within 30 calendar days of hirewithin 30 calendar days of hire
during Open Enrollmentduring Open Enrollment
some types of exceptions allowedsome types of exceptions allowed
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LetLet’’s Talk about Health Cares Talk about Health Care Most ODU employees are enrolled in COVA ConnectMost ODU employees are enrolled in COVA Connect An Optima Health PlanAn Optima Health Plan Available options: Out-of-Network , Expanded Available options: Out-of-Network , Expanded
Dental, Vision/Hearing Dental, Vision/Hearing The employer pays a large portion of the health care The employer pays a large portion of the health care
premiumpremium Benefits are on a fiscal year basis (July – June)Benefits are on a fiscal year basis (July – June) Three types of membership – Employee, Employee Three types of membership – Employee, Employee
Plus One and Family coveragePlus One and Family coverage
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Health care premiums are deducted Health care premiums are deducted
from your paycheck from your paycheck before before
taxes are calculated.taxes are calculated.
Less taxes paid giving you more Less taxes paid giving you more
spendable income.spendable income.
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When Can I Make Health When Can I Make Health Care Changes? Care Changes? During Open Enrollment (usually held During Open Enrollment (usually held
April – May) Plan changes can be made April – May) Plan changes can be made at this time. Effective on July 1at this time. Effective on July 1stst..
Within 60 days of a Qualifying Mid-Year Within 60 days of a Qualifying Mid-Year Event. QMYE examples:Event. QMYE examples:• Change in employment of spouse/child Change in employment of spouse/child • Birth or adoption of childBirth or adoption of child• Marriage or DivorceMarriage or Divorce• Child no longer a dependentChild no longer a dependent
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How Do I Make Changes How Do I Make Changes to my Health Care Plan? to my Health Care Plan?
Visit: Visit: www.dhrm.virginia.gov At the Health Benefits Tab, click on:At the Health Benefits Tab, click on:
EmployeeDirect;EmployeeDirect; Log on with your personal Health I.D. and passcode Log on with your personal Health I.D. and passcode
(to get a passcode, if you do not have one, (to get a passcode, if you do not have one,
follow the EmployeeDirect instructions to have follow the EmployeeDirect instructions to have
one mailed to you).one mailed to you). Passcode is your confidential electronic Passcode is your confidential electronic
signaturesignature
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How Do I Make Changes to How Do I Make Changes to my Health Care Plan? (cont.)my Health Care Plan? (cont.)
Submit an Enrollment/Waiver Form Submit an Enrollment/Waiver Form (new employee enrollment, open (new employee enrollment, open enrollment, or qualifying mid-year enrollment, or qualifying mid-year event change)event change)
Forms are available at:Forms are available at:• www.dhrm.virginia.gov• Department of Human ResourcesDepartment of Human Resources
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When will my Health When will my Health Care Care Changes be Effective? Changes be Effective?
Effective the first of the month Effective the first of the month FOLLOWING submission of your FOLLOWING submission of your
request (except for birth, adoptionrequest (except for birth, adoption
or placement for adoption which or placement for adoption which are effective the first of the month are effective the first of the month in which the event occurs)in which the event occurs)
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Who Can Help me With Who Can Help me With my my Health Care Health Care Problem?Problem?
Read your health care Member Read your health care Member Handbook and understand your Handbook and understand your coveragecoverage
Review your Explanation of Benefits Review your Explanation of Benefits which is generated by the insurance which is generated by the insurance company, after your health care visitcompany, after your health care visit
If you need additional information, call If you need additional information, call Optima at 1-866-846-2682 or 687-6350Optima at 1-866-846-2682 or 687-6350
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Review your Health Care Review your Health Care Explanation of Benefits! Explanation of Benefits! If you are concerned about the explanation, If you are concerned about the explanation,
call Optima (687-6350) or Anthem (800-552-call Optima (687-6350) or Anthem (800-552-2682) and ask for an explanation. 2682) and ask for an explanation.
AND/ORAND/OR Discuss the billing with your Medical Discuss the billing with your Medical
providerprovider..
AAsk questions!sk questions!
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I DO NOT AGREE I DO NOT AGREE WITH THE BILL! WITH THE BILL!
Your health care is your Your health care is your responsibility. Review information responsibility. Review information when it is provided to you. when it is provided to you.
Use your Health Care Member Use your Health Care Member Handbook as a point of reference.Handbook as a point of reference.
Call Optima or Anthem and ask Call Optima or Anthem and ask how the bill was coded by the how the bill was coded by the provider.provider.
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How Can I File a How Can I File a Complaint or an Complaint or an Appeal?Appeal?
Follow the Complaint/Appeal Process Follow the Complaint/Appeal Process described in the COVA Member described in the COVA Member Handbook.Handbook.
When talking with a health care When talking with a health care representative, keep a record of the representative, keep a record of the name of the person and the date.name of the person and the date.
ALWAYS KEEP A COPY OF ANY ALWAYS KEEP A COPY OF ANY INFORMATION THAT YOU PROVIDEINFORMATION THAT YOU PROVIDE..
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Why Do Why Do II Have to File Have to File the the Complaint or the Complaint or the Appeal?Appeal?
2003 HIPAA Privacy regulations set forth 2003 HIPAA Privacy regulations set forth by the U.S. Department of Health and by the U.S. Department of Health and Human Services, Office for Civil Rights, Human Services, Office for Civil Rights, limit who can inquire about your limit who can inquire about your protected health information. protected health information.
Only you or an individual involved in Only you or an individual involved in your care, or payment of your care, can your care, or payment of your care, can ask directly about your protected health ask directly about your protected health information.information.
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ADDITIONALADDITIONAL
OPTIONAL BENEFITSOPTIONAL BENEFITS ((This is a partial list; additional info This is a partial list; additional info
is available on the Department of is available on the Department of Human Resources website)Human Resources website)
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Flexible Reimbursement Flexible Reimbursement AccountsAccounts
MEDICAL: you set aside pre-tax dollars for predictable MEDICAL: you set aside pre-tax dollars for predictable medical, dental, vision care, or other eligible expenses medical, dental, vision care, or other eligible expenses not covered by your health care plannot covered by your health care plan
DEPENDENT CARE: you set aside pre-tax dollars for DEPENDENT CARE: you set aside pre-tax dollars for predictable eligible dependent care expenses, such as predictable eligible dependent care expenses, such as childcare.childcare.
OPEN ENROLLMENT: Held in the Spring with annual OPEN ENROLLMENT: Held in the Spring with annual Health Open Enrollment. Health Open Enrollment. YOU MUST RE-ENROLL YOU MUST RE-ENROLL EVERY YEAR! RE-ENROLLMENT EVERY YEAR! RE-ENROLLMENT S NOT AS NOT AUTOMATIC!UTOMATIC!
Flexible Reimbursement Accts have $3.67 monthly Flexible Reimbursement Accts have $3.67 monthly administration fee.administration fee.
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Flexible Reimbursement Flexible Reimbursement AccountsAccounts
(continued) (continued)
Medical Reimbursement AccountMedical Reimbursement Account
$10 minimum per pay period $10 minimum per pay period $5,000 maximum allowable contribution$5,000 maximum allowable contribution payroll deducted pre-taxpayroll deducted pre-tax ““use it or loseuse it or lose”” it account; calculate only it account; calculate only
predictable expenses; there is no refundpredictable expenses; there is no refund of monies not usedof monies not used
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Flexible Reimbursement Flexible Reimbursement AccountsAccounts
(continued)(continued)
Dependent CareDependent Care AccountsAccounts Annual Maximum $5,000Annual Maximum $5,000 Minimum contribution (deduction) per Minimum contribution (deduction) per
pay period is $10pay period is $10 Covers dependent care expensesCovers dependent care expenses ““Use it or loseUse it or lose”” it account, for predictable it account, for predictable
expensesexpenses
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How do I Request How do I Request Reimbursement?Reimbursement?
Mail/Fax a completed Flexible Reimbursement Mail/Fax a completed Flexible Reimbursement Account Claim Form to:Account Claim Form to:
Contract AdministratorContract AdministratorFringe Benefits Management Co.Fringe Benefits Management Co.P. O. Box 1800P. O. Box 1800Tallahassee, FL 32302-1800Tallahassee, FL 32302-1800
-OR--OR-
1-850-425-4608 (fax number)1-850-425-4608 (fax number)
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Optional Life InsuranceOptional Life Insurance
Offered by the Virginia Retirement SystemOffered by the Virginia Retirement System May include coverage for spouse and May include coverage for spouse and
dependent childrendependent children Coverage available is 1X to 4X salary for Coverage available is 1X to 4X salary for
employee and reduced amounts for employee and reduced amounts for spouse and dependentsspouse and dependents
Evidence of good health may be requiredEvidence of good health may be required Underwriter is Minnesota LifeUnderwriter is Minnesota Life (1-800-441-2258) (1-800-441-2258)
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Long Term Care Long Term Care InsuranceInsurance
• Available to full-time employees, their Available to full-time employees, their spouses, parents, and parents-in-lawspouses, parents, and parents-in-law
• Medical Questionnaire may need to be Medical Questionnaire may need to be completedcompleted
• Provider: Aetna Life Insurance CompanyProvider: Aetna Life Insurance Company
(1-877-894-2470)(1-877-894-2470)• VSDP participants have an employer paid VSDP participants have an employer paid
$96 daily/2 year benefit amount$96 daily/2 year benefit amount
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CIGNA Long Term DisabilityCIGNA Long Term Disability Available for full time employees Available for full time employees
earning >$15,000earning >$15,000 Provides up to 60% of income after 180 Provides up to 60% of income after 180
days of disabilitydays of disability Employee pays full premium Employee pays full premium Disability income is non-taxableDisability income is non-taxable Provider: Cigna Group Insurance (Life Provider: Cigna Group Insurance (Life
Insurance Company of North America)Insurance Company of North America)
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Pre-Paid Pre-Paid LegalLegal Assistance Assistance PlanPlan
Covers a wide variety of legal services: Covers a wide variety of legal services: purchasing/selling a home, preparing purchasing/selling a home, preparing wills, traffic violations, divorce, and wills, traffic violations, divorce, and many other servicesmany other services
Provider: Legal Resources of VirginiaProvider: Legal Resources of Virginia
(757-498-1220)(757-498-1220) Open Enrollment in October/November Open Enrollment in October/November
in conjunction with the Benefits Fair in conjunction with the Benefits Fair
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What is a TSA (403b) or DCP What is a TSA (403b) or DCP (457)?(457)?
Voluntary tax deferred supplemental retirement Voluntary tax deferred supplemental retirement savings/investment plans (tax sheltered annuities or savings/investment plans (tax sheltered annuities or Deferred Compensation Plan)Deferred Compensation Plan)
Provider TSA companies are:Provider TSA companies are: American Express, Equitable, Fidelity Investments, American Express, Equitable, Fidelity Investments,
Lincoln, MetLife, TIAA/CREF $ VALIC Lincoln, MetLife, TIAA/CREF $ VALIC Provider DCP company is: INGProvider DCP company is: ING
Employer Cash Match may be an option.Employer Cash Match may be an option.
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What are the 2004 TSA(403b) What are the 2004 TSA(403b) and and DCP(457) Annual Limits? DCP(457) Annual Limits?
UNDER AGE 50:UNDER AGE 50: $16,500 $16,500
(can contribute to both a 403b and a 457)(can contribute to both a 403b and a 457)
AGE 50 AND ABOVE: $22,000AGE 50 AND ABOVE: $22,000
(can contribute to both a 403b and a 457)(can contribute to both a 403b and a 457)
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What is Cash Match?What is Cash Match?
ODU makes a contribution to your ODU makes a contribution to your TSA(403b) or DCP(457) - up to a $40TSA(403b) or DCP(457) - up to a $40 maximum contribution per month maximum contribution per month
Employee contributing at least $40 per Employee contributing at least $40 per pay period receive the maximum $20 pay period receive the maximum $20 per pay period match per pay period match
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You Can Enroll in a Tax You Can Enroll in a Tax Sheltered Annuity Sheltered Annuity (403b), Deferred (403b), Deferred Compensation (457) Compensation (457) and Cash Match at any and Cash Match at any time during the yeartime during the year..
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How do I Get Information on How do I Get Information on Supplemental Retirement Supplemental Retirement Plans?Plans?
TSA information is available on the HR web TSA information is available on the HR web page:page:
http:www.odu.edu/af/humanresources/http:www.odu.edu/af/humanresources/
DCP information is available on the VRS web DCP information is available on the VRS web page: page: www.varetire.org or 877-327-5261 or 877-327-5261
Call HR to request a list of each company and Call HR to request a list of each company and
the agent of recordsthe agent of records’’ telephone number telephone number
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VIRGINIA SICKNESS AND VIRGINIA SICKNESS AND DISABILITY PROGRAM (VSDP) DISABILITY PROGRAM (VSDP)
Provides eligible employees sick Provides eligible employees sick leave (8, 9 or 10 days annually)leave (8, 9 or 10 days annually)
Family and personal leave (4 or 5 Family and personal leave (4 or 5 days annually)days annually)
No carry-over from year to yearNo carry-over from year to year Provides short and long term Provides short and long term
disabilitydisability
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What are my What are my Responsibilities?Responsibilities?
Provide accurate, current informationProvide accurate, current information Notify HR of Address Changes or Name Notify HR of Address Changes or Name
Changes or Dependent ChangesChanges or Dependent Changes Read the information sent out about Read the information sent out about
benefits through e-mails, flyers, benefits through e-mails, flyers, newsletters, University Announcementsnewsletters, University Announcements
Remember that these are YOUR benefits Remember that these are YOUR benefits and you need to understand them. and you need to understand them.
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WORKERSWORKERS’’ COMPENSATION COMPENSATION
Job-related injuriesJob-related injuries Immediately report your injury to Immediately report your injury to
your supervisor, in writing, if your supervisor, in writing, if possiblepossible
Contact the Department of Human Contact the Department of Human Resources at ext. 3-4196Resources at ext. 3-4196
WorkersWorkers’’ Compensation will be Compensation will be coordinated with VSDP coverage, if coordinated with VSDP coverage, if applicableapplicable
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RETURN TO WORK RETURN TO WORK PROGRAMPROGRAM
Work and non-work related injuriesWork and non-work related injuries Whenever the doctor prescribes Whenever the doctor prescribes
restrictionsrestrictions Work is a therapy – transition back Work is a therapy – transition back
to workto work Part-time or light duty assignments Part-time or light duty assignments
are performed during recoveryare performed during recovery
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RETURN TO WORK RETURN TO WORK PROGRAMPROGRAM
Work and non-work related injuriesWork and non-work related injuries Whenever the doctor prescribes Whenever the doctor prescribes
restrictionsrestrictions Work is a therapy – transition back Work is a therapy – transition back
to workto work Part-time or light duty assignments Part-time or light duty assignments
are performed during recoveryare performed during recovery
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FOR MEDICAL, FOR MEDICAL, PRESCRIIPTION, BEHAVIORAL PRESCRIIPTION, BEHAVIORAL HEALTH & OPTIONAL HEALTH & OPTIONAL VISION/HEARING QUESTIONSVISION/HEARING QUESTIONS
CONTACT:CONTACT: Optima Health Optima Health 687-6350 687-6350
1-866-846-26821-866-846-2682
www.optimahealth.com/cova www.optimahealth.com/cova
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FOR DENTAL QUESTIONSFOR DENTAL QUESTIONS
CONTACTCONTACT
DELTA DENTAL 1-888-335-8296DELTA DENTAL 1-888-335-8296
www.deltadentalva.comwww.deltadentalva.com
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HOW DO I CONTACT VRS?HOW DO I CONTACT VRS?
Virginia Retirement SystemVirginia Retirement System
1200 East Main Street1200 East Main Street
P. O. Box 2500P. O. Box 2500
Richmond, VA 23218-2500Richmond, VA 23218-2500
1-888-827-38471-888-827-3847
www.varetire.orgwww.varetire.org
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OTHER HELPFULTELEPHONEOTHER HELPFULTELEPHONE NUMBERS AND ADDRESSES NUMBERS AND ADDRESSES
Minnesota Life 1-800-441-2258Minnesota Life 1-800-441-2258 P. O. Box 1193P. O. Box 1193
Richmond, VA 23218-1193Richmond, VA 23218-1193
Aetna Long Term Care 1-877-894-2470Aetna Long Term Care 1-877-894-2470
VSDPVSDP 1-800-652-5602 1-800-652-5602 ((Third Party Administrator is UnumThird Party Administrator is Unum)) 2211 Congress St. Portland, ME 041222211 Congress St. Portland, ME 04122