AFLAC
1-973-652-8272

AFLAC pays cash benefits directly to you, not the doctor or hospital. The benefits can be used to pay co-pays, deductibles and other out of pocket expenses. The benefits are designed to pay everyday living expenses like rent or mortgage, groceries, utilities, car payments and more. The plans are guaranteed renewable, meaning they will never cancel on you. The AFLAC policies are portable. Even if you change jobs, you can take it with you. AFLAC has never had a rate increase, so you know the cost in the future. AFLAC pays 92% of claims in 4 days, so you get the money when you need it most. AFLAC policies can be extended to cover the whole family. Policies offered include: Personal Accident Indemnity, Cancer Protection, Hospital Indemnity, Specified Health Event, Short Term Disability, Life Insurance.

If you are interested in learning more or have any questions, please contact Beth Frederickson, AFLAC Special Project Coordinator at bethfredericksonaflac@gmail.com or 1-973-652-8272.

• AFLAC Flyer

AMERIFLEX (Flexible Spending Accounts)
1-888-868-3539

Flexible Spending Accounts (FSAs) are provisions of the Section 125 tax law that allow you to deposit a portion of your gross income into a spending account tax-free. The Flexible Spending Account program allows you to participate in three different accounts.

The Health Care Flexible Spending Account can be used to reimburse medical, prescription, dental and vision expenses that qualify as federal income tax deductions under Section 213 of the tax code. You may contribute no more than $3,200 per year for 2024. You may carry over a maximum of $640 of your unused funds to the next plan year.

A Dependent Care Flexible Spending Account is also available, which can be used to reimburse daycare or dependent care expenses each plan year. To participate in the account, both you and your spouse must be working. Qualifying dependents are children under age 13, a disabled spouse or other dependents who are physically or mentally incapable of self-care. You may contribute no more than $5,000 per year.

A Commuter Reimbursement Account allows you to set aside pre-tax dollars to pay for eligible transportation and parking expenses such as mass transit expenses, commuter highway vehicle expenses (i.e., vanpool), parking expenses at a location from which you commute to work by mass transit, commuter highway vehicle, or carpool, and parking expenses at or near your employer. For 2024, the maximum amount you may contribute is $315/month for transit passes and commuter highway vehicle expenses (combined), and $315/month for parking expenses.

Important Information about FSAs:
Your FSA elections will be in effect from January 1st through December 31st. Claims for reimbursement must be submitted by March 31st of the following year. Please plan your contributions carefully. Any money remaining in your account after March 31st will be forfeited. This is known as the “use it or lose it” rule and it is governed by IRS regulations.* Note that FSA elections do not automatically continue from year to year; you must actively enroll each year.

The Advantage of an FSA:
With an FSA, the money you contribute is never taxed – not when you put it in the account, not when you are reimbursed with the funds from your account, and not when you file your income tax return at the end of the year.

Remember, you will need to determine what expenses you expect to have for the upcoming year. Always use a conservative figure since you will forfeit any unused funds at the end of the plan year.* Remember, you are estimating costs from January 1st through December 31st of the calendar year.

*Please note that Centenary offers to its employees an FSA Rollover which allows you to carry up to $640 of unused health care FSA funds forward to the following plan year.

Flexible Spending Account Program At A Glance  

Ameriflex Summary Plan Description

GENWORTH (Long-Term Care Coverage)
1-800-416-3624

The phrase "long-term care" refers to the help that people with chronic illnesses, disabilities or other conditions need on a daily basis over an extended period of time. The type of help needed can range from assistance with simple activities (such as bathing, dressing and eating) to skilled care that's provided by nurses, therapists or other professionals. Employer-based health coverage will not pay for daily, extended care services. Medicare will cover a short stay in a nursing home, or a limited amount of at-home care, but only under very strict conditions. To help cover potential long-term care expenses, some people choose to buy long-term care insurance. Policies offer many different coverage options. Since you can't predict what your future long-term care needs will be, you may want to buy a policy with flexible options. Depending on the policy options you select, long-term care insurance can help you pay for the care you need, whether you are living at home or in an assisted living facility or nursing home. The insurance might also pay expenses for adult day care, care coordination and other services. Some policies will even help pay costs associated with modifying your home so you can keep living in it safely.

Contact information: Genworth Customer Service at 1-800-416-3624 or Amy Ewbank at amy@affinityltc.com or 1-717-737-3060 x301.

• Genworth Flyer

NJ MANUFACTURERS INSURANCE COMPANY (Automobile & Homeowner’s Insurance)
1-800-232-6600

Centenary University is a member of NJBIA, the New Jersey Business and Industry Association. As part of that membership, employees of Centenary University are eligible to apply for personal automobile insurance coverage and homeowner’s insurance coverage directly through NJM, New Jersey Manufacturers Insurance Company.

New Jersey Manufacturers Insurance Company is a personal and commercial lines property-casualty insurer operating in New Jersey and eastern Pennsylvania. The financial benefit of NJM's stewardship of policyholder resources has been shared directly with customers by returning dividends to them every year since 1918. Please note that all applicants for new coverage must meet NJM underwriting requirements. There are eligibility requirements to request quotes by regular mail for NJM personal auto or homeowner’s coverage. Centenary makes this available to employees with the understanding that transactions between the employee and NJM are the sole responsibility of the employee.

Contact information: 1-800-232-6600 or website http://www.njm.com/ and http://www.njbia.org/

Centenary’s membership number in NJBIA is: 83325.

UNUM

Employee Assistance Program (EAP):

The EAP can assist you with issues such as:

• Stress, depression, anxiety
• Relationship problems, divorce
• Job stress
• Family and parenting problems
• Anger, grief and loss
• Child care, elder care
• Legal questions
• Financial services, debt management, credit report issues
• Reducing medical bills
• Identity theft

The EAP can be accessed 24/7 by calling 1-800-854-1446 or by visiting www.unum.com/lifebalance.

UNUM

Life and Accidental Death & Dismemberment (AD&D) Insurance:

Life insurance is an important part of your financial security, especially if others depend on you for support. Accidental Death & Dismemberment (AD&D) insurance is designed to provide a benefit in the event of accidental death or dismemberment. The University provides Basic Life and AD&D Insurance to all eligible employees at no cost to you. This benefit includes:

• One times annual earnings, up to a maximum benefit of $75,000
• Portability included

Benefits reduce by 33% at age 65 and 50% at age 70.

Supplemental Life and AD&D Insurance:

In addition to the University-provided Basic Life and AD&D insurance coverage, Centenary employees also have the option to purchase Supplemental Life and AD&D coverage for yourself, your spouse and your dependent child(ren). Employees must enroll in Supplemental Life Insurance for yourself in order to purchase coverage for your spouse and/or your dependent(s). The cost for this coverage is based on the amount you elect. Premiums are payroll deducted.

Supplemental Life and AD&D Insurance Plan Description
Supplemental Life and AD&D Insurance Rates
Supplemental Life and AD&D Insurance Enrollment Form

Contact Centenary’s Human Resources Department for more information.

Disability Insurance:

The goal of the University's disability insurance plans is to provide you with income replacement should you become disabled and unable to work due to a non-work-related illness or injury. The University provides eligible employees with disability income benefits at no cost to you.

New Jersey Temporary Disability Benefits (NJTDB) / Short-Term Disability (STD):

• Covers 85% of your weekly earnings - up to a $1,055 weekly maximum (2024).
• Benefits begin on the eighth day of injury or illness and continue to the earlier of recovery or 26 weeks.

Long-Term Disability (LTD):

• Covers 60% of your weekly pre-disability earnings - up to a $6,000 monthly maximum
• Benefits begin after 6 months of disability or illness and continue to the earlier of age 65 or Social Security Normal Retirement Age

UNUM

Travel Assistance (Assist America):

Unum provides employees access to a travel assistance program through Assist America. Assist America will help you locate hospitals, embassies, and other important services 24 hours a day while traveling anywhere in the world.

You can contact Assist America by calling 1-800-872-1414 (within the U.S.) or U.S. access code+609-986-1234 (outside the U.S.) or by email at medservices@assistamerica.com. You can also download the Assist America mobile app.

Centenary’s reference number for Assist America is 01-AA-UN-762490.

VISIONS FEDERAL CREDIT UNION
1-888-391-7991

Centenary University is a member of Visions Federal Credit Union. Visions Federal Credit Union has offices in Warren, Sussex and Morris Counties and offers a variety of services including: direct deposit, regular savings account, checking account, money market savings, club accounts, Certificates of Deposit, IRA’s, financial planning, 24-hour loan center, telephone banking/internet banking, first mortgages, home equity loans as well as other services.

Contact information: 1-888-391-7991 or website at www.visionsfcu.org.

VPI/Nationwide (Pet Insurance)
1-877-738-7874

A policy purchased by the owner of a pet will lessen the overall costs if expensive medical bills are incurred by that pet. This is similar to health insurance policies except that it relates specifically to pets and will cover, either fully or in part, the often expensive fees that are incurred during veterinary procedures. Many animal medical procedures, such as surgeries and sickness, are very expensive to treat. To help with these costs, a pet owner can buy a policy that will save out-of-pocket expenses by paying a yearly or monthly fee (the premium). The cost and coverage changes depending on which policy you get and for what type of animal you're insuring. For instance, it costs more for an outdoor cat than an indoor, and premiums are higher for the percentage of coverage you wish to buy.

Contact information: 1-877-Pets-VPI or website www.PetsVPI.com.

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