My Benefits 2024
Your Medical Benefits
Eligibility
Employees who work a minimum of 20 hours per week are eligible to participate as of their date of hire.
Benefit Details
World Learning offers three medical plans through Cigna. Below you will find a plan comparison chart that can help assist you in choosing the plan that best suits your needs.
Bi-Weekly Contributions
Telehealth Services
Employees can access telehealth services to treat minor medical conditions like colds, flus, sore throats, allergies and more. Cigna’s telehealth services allow employees to connect with a board-certified doctor via video or phone. Telehealth is included in both medical plans. Appointments have no copay for members. For more information or to register for telehealth services go to www.mdliveforcigna.com
Contact Information
Cigna: Medical Insurance
Customer Service: 800-244-6224
Website: https://my.cigna.com/web/public/guest
Click here for the Cigna Provider Directory
Plan Documents
Summary Plan Description
Medical Riders
Transparency in Coverage
By clicking on the button below, you will be led to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.
Additional Plan Information
You can also access Cigna’s most current Prescription Drug List by clicking on the link below, selecting “Drug Lists for Employer Plans,” then selecting “4 Tier (all specialty medications covered on tier 4) [PDF]” from the drop-down.
Your Health Reimbursement Account Benefits
Eligibility
Only employees enrolled in the Gold Health plan are eligible for a Health Reimbursement Account (HRA).
Health Reimbursement Account Information
A Health Reimbursement Account is a funding arrangement provided by your employer to help offset expenses for members enrolled in the Gold Plan. HRA funding is $1,000 (single) and $2,000 (two person or family). These funds will be applied toward eligible out of pocket expenses.
The HRA is 100% employer paid.
Contact Information
Cigna: Medical Insurance
Customer Service: 800-244-6224
Website: https://my.cigna.com/web/public/guest
Your Health Savings Account Benefits
Eligibility
Only employees enrolled in the Bronze Health plan are eligible for a Health Savings Account (HSA).
Health Savings Account Information
What is a Health Savings Account?
A Health Savings Account or HSA is a tax-advantaged savings account owned by an individual that can be used to pay for qualified medical expenses for the owner and their dependents. An HSA, which must be paired with an HSA-qualified health plan (the Bronze Plan), allows employees to make pre-tax contributions into a federally insured account.
- World Learning offers an employee funded Health Savings Account (HSA) in conjunction with the Bronze Plan. The HSA is administered by Cigna in conjunction with HSABank.
- Employees can make pre-tax contributions to an HSA if they are enrolled in the Bronze Plan.
- In 2024, the maximum HSA contribution limits are $4,150 (single) or $8,300 (two person/family). There is a $1,000 catch-up contribution for age 55+.
- HSA funds can be used to pay for qualified medical expenses and/or certain dental & vision expenses that are not covered by the medical plan.
- Funds in an HSA rollover from one year to the next and can be taken with you when employment ends.
- Visit www.mycigna.com to learn more about your medical plan, track claims & account balances, and manage your healthcare finances.
Contact Information
Cigna: Medical Insurance
Customer Service: 800-244-6224
Website: https://my.cigna.com/web/public/guest
Additional Information
Your Flexible Spending Account & Dependent Care Account Benefits
World Learning offers two different types of flexible spending accounts to employees. Employees may contribute pre-tax dollars into these accounts to help offset eligible medical expenses or dependent care expenses. The plans are administered by Cigna.
Health Care Flexible Spending Account (FSA)
- Funds from a health care FSA can be used for qualified expenses including medical, dental, vision, deductible, co-payments and coinsurance. With an FSA, the entire elected amount is available on the first day of the health plan year. The maximum amount you may contribute to the health care FSA is $3,200. In 2024, the FSA includes a rollover provision that allows employees to rollover $640 of unused funds into the next plan year. Employees who elect the Bronze Plan with a Health Savings Account may only contribute to a Limited Purpose FSA which can only be used for dental and/or vision expenses.
Dependent Care Reimbursement Account (DCA)
A dependent care FSA allows employees to set aside pre-tax dollars to pay for qualified dependent care expenses. Funds can be used to pay for day care, preschool, or elderly care. In 2024, the maximum amount you may contribute to the dependent care FSA is $5,000 (if single or married & filing jointly) or $2,500 (if married & filing separately).
For a list of eligible FSA/DCA expenses please visit: http://www.cigna.com
Contact Information
Cigna: Medical Insurance
Customer Service: 800-244-6224
Website: https://my.cigna.com/web/public/guest
Your FSA/HSA Store
World Learning has entered into a partnership with Health-E Commerce, also known as the FSA/HSA Store. This gives you access to hundreds of products that have been pre-vetted & approved for use with your Flexible Spending or Health Savings Accounts.
Did you know you could use your FSA/HSA to save money on everyday health essentials like baby health items, health trackers, pain relief products and more?
Here are just a few benefits of using the FSA/HSA Store:
- No Receipts Needed
- 2,500+ FSA Eligible Products
- 100% Eligibility Guaranteed
- Skip the claims process when you use your FSA/HSA card
This partnership also allows access to their Caring Mill products. Caring Mill is a line of premium healthcare products that support a healthy lifestyle and on average is priced 30% less than branded equivalent products.
With every Caring Mill purchase, a donation is made to Children’s Health Fund, providing necessary treatments to thousands of children in need, throughout the United States.
Curious what your FSA/HSA dollars can cover? Simply enter the product you are looking for in the eligibility list below.
To access the FSA Store please visit: https://fsastore.com
To access the HSA Store please visit: https://hsastore.com
Additional Information
Your Dental Benefits
Eligibility
Employees who work a minimum of 20 hours per week are eligible to participate as of their date of hire.
Benefit Details
Bi-Weekly Contributions
Additional Plan Information
Health Through Oral Wellness (HOW)
A healthy mouth is part of a healthy life, and Northeast Delta Dental’s innovative HOW works with your dental benefits to help you achieve and maintain better oral wellness. HOW is all about you because it’s based on your specific oral health risk and needs. Best of all, it’s secure and confidential. Here’s how to get started:
1. Register
Go to www.healththroughoralwellness.com and click on “Register Now”.
2. Know Your Score
After you register, please take the free oral health risk assessment by clicking on “Free Assessment” in the Know Your Score section of the website.
3. Share Your Score With Your Dentist
The next step is to share your results with your dentist at your next dental visit. Your dentist can discuss your results with you and perform a clinical version of the risk assessment.
EYE MED
This vision discount program is available free to all Northeast Delta Dental subscribers and their dependents.
GREAT SAVINGS – UP TO 35% OFF EYEWEAR
Choose from any available frame including quality name-brand products such as Brooks Brothers®, Ann Klein®, Vogue® and more at provider locations.
With EyeMed Vision Care, Northeast Delta Dental members have access to over 71,000 vision care providers nationwide at 27,000 locations including optometrists, ophthalmologists, opticians, and the nation’s leading optical retailers
It’s easy! To request your discount, simply present your Delta Dental member ID card or the flyer you can find on the EBC when you arrive at the provider office or location. Your EyeMed provider will take care of the rest!
To learn more about the EyeMed Vision Care Discount Plan, please visit our website at NortheastDeltaDental.com.
Vision & Hearing Programs from Delta Dental
Contact Information
(800) 832-5700
Plan Documents
Additional Information
Helpful Videos from Delta Dental
Your Vision Benefits
Eligibility
Employees who work a minimum of 20 hours per week are eligible to participate as of their date of hire.
Benefit Details
Bi-Weekly Contributions
VSP Additional Programs
VSP Laser Vision Care
Do you know what is covered under your vision plan?
- Treatment for eye pain, or conditions like pink eye are covered.
- Tests to diagnose sudden vision changes
- Pictures of your eyes to detect and track eye conditions
- Exams to monitor cataracts
- Retinal Screenings
Find out if laser surgery is right for you. Your VSP coverage can save you an average of 15% off the regular price.
1.Visit www.vsp.com to get details about the program, learn what to expect during surgery, and to locate a VSP Laser VisionCare doctor.
2.Confirm your eligibility before scheduling an appointment by calling 800-877-7195
3.Call you VSP Laser VisionCare doctor to verify that they participate in the program
4.Schedule a complimentary screening.
TruHearing
TruHearing® is making hearing aids affordable by providing exclusive savings to all VSP® Vision Care members. You can save up to $2,400 on a pair of hearing aids with TruHearing pricing. What’s more, your dependents and even extended family members are eligible, too.
Here’s how it works:
1.Call TruHearing at 877-372-4040. You must mention VSP
2.Schedule exam with a local provider through TruHearing
3.Attend Appointment
Best of all, if you already have a hearing aid benefit from your health plan or employer, you can combine it with this program to maximize the benefit and reduce your out-of-pocket expense.
Learn more about this VSP Exclusive Member Extra at https://www.truhearing.com/vsp/?mid=121
Eyeconic
Your vision and wellness come first with VSP. Your benefit includes Eyeconic, an eyewear store for VSP members.
More Bang for Your Buck at www.eyeconic.com
If you shop online for glasses and contacts, you’ll get more value on Eyeconic like
- Lowest match price guarantee
- Average savings of $220
- Up to $120 savings on an annual contact lens supply
- 20% of additional pairs of glasses or sunglasses
- HSA & FSA accepted
Plan Documents
Additional Plan Information
Your Group & Optional Life Benefits
Eligibility
Employees who work a minimum of 20 hours per week are eligible to participate as of their date of hire.
Benefit Details
Group Employee Life Insurance and Accidental Death & Dismemberment (AD&D)
World Learning provides Group Life and AD&D insurance through Unum. The benefit is provided at no cost to eligible employees.
- This benefit is 100% Employer Paid
- Coverage is 2x your annual earnings to a maximum of $500,000
- AD&D Benefit is equal to the Life Benefit
- The benefit amount is payable to family or beneficiary
- Benefit reduces to 65% at age 70, and 50% at age 75
- Accelerated Benefit – receive up to 75% of benefit to maximum of $500K if diagnosed with terminal illness
- Conversion – you can convert your group Life policy to an individual policy if you leave your job for any reason.
Supplemental Term Life (Employee, Spouse & Child) & AD&D.
- 100% Employee Paid.
- Can elect employee coverage in $10,000 increments to maximum $500K (or 5x annual salary cap).
- Can elect spouse coverage – $5,000 increments to max $500K; Child coverage – $2,500 increments to max $10K.
- Guarantee issue amounts are $200,000 for employee supplemental life coverage; $30,000 for spouse supplemental life coverage.
- Any amount elected over guarantee issue is subject to Evidence of Insurability (EOI).
Your Long & Short Term Disability Benefits
Eligibility
Employees who work a minimum of 20 hours per week are eligible to participate as of their date of hire.
Benefit Details
Short Term Disability
World Learning provides Short Term Disability insurance through Unum. The benefit is provided at no cost to eligible employees.
- 100% Employer Paid.
- Benefit is 60% of weekly earnings to maximum of $1,000 per week.
- Waiting period: 10 days for injury/10 days for sickness.
- Coverage is available for up to 26 weeks if employee is benefits eligible.
- If paid leave is exhausted prior to the 10 workday eligibility waiting period, employees may borrow up to 10 days of sick leave.
Long Term Disability
World Learning provides Long Term Disability insurance through Unum. The benefit is provided at no cost to eligible employees.
- 100% Employer Paid.
- Provides partial income replacement when you are unable to work due to sickness or injury.
- Benefit is 60% of monthly earnings to maximum of $12,000.
- 180-day elimination period.
- Benefit level will be based on salary in effect prior to date of disability.
Your Voluntary Benefits
Eligibility
Employees who work a minimum of 20 hours per week are eligible to participate as of their date of hire.
Benefit Details
Accident
World Learning provides voluntary Accident insurance through Unum. The benefit is paid by the employee.
- 100% Employee Paid
- Pays a set amount for accidental injuries on and off the job
- Payments are made directly to employee
- Can be used to cover health insurance deductible, emergency room co-pays, or other unexpected costs of an unforeseen injury
- Can file claims for multiple covered incidents
- No Evidence of Insurability (EOI) needed
- Includes $50 Be Well benefit when employee completes a covered health screening, annual exam, or immunization
What it Covers (including but not limited to):
- Broken bones
- Burns
- Knee ligament
- Dislocations
- Emergency dental
- Physical therapy
Critical Illness
World Learning provides voluntary Critical Illness insurance through Unum. The benefit is paid by the employee.
- 100% Employee Paid
- Pays a lump sum when diagnosed with a covered condition
- Payments are made directly to employee, to use however you choose
- Helps pay for out-of-pocket costs – like co-pays and deductibles – that health insurance does not cover when you face a serious illness
- Benefit payable for each condition
- Includes Be Well benefit ($50, $75, or $100, tied to coverage amount)
What it Covers (including but not limited to):
- Coronary artery disease (major 50%, minor 10%)
- End-stage renal failure
- Heart attack
- Major organ failure requiring transplant
- Stroke
- Invasive cancer (including breast cancer)
- Noninvasive cancer (25%)
Hospital Indemnity
World Learning provides voluntary Hospital Indemnity insurance through Unum. The benefit is paid by the employee.
- 100% Employee Paid
- Pays a set amount when you are admitted to the hospital due to accident, sickness, or childbirth
- Payments are made directly to employee, to use however you choose
- 24/7 coverage with no geographical limits on covered injuries and treatments
- Family coverage option available
- No Evidence of Insurability (EOI) needed
- Includes $50 Be Well benefit
What it Covers:
- Hospital admission – $1,500 once per insured calendar year
- Daily hospital confinement – $100 per day for up to 365 days per calendar year
- ICU admission – $1,500 per insured, paid once per calendar year
- ICU daily stay – $100 per day to a maximum of 30 days per calendar year
Your Employee Assistance Program (EAP)
Eligibility:
All employees and their immediate family members are eligible to participate.
- An EAP is offered to all World Learning employees & immediate family members through ComPsych Guidance Resources EAP.
- This is a completely confidential counseling program that covers issues such as marital & family concerns, depression, substance abuse, grief & loss, child & elder care referrals, legal consultations, and financial assistance.
- Employees and their family members can receive up to 5 free counseling sessions per occurrence per year.
- For more information, go to www.guidanceresources.com and click Register. You will be required to enter your Organization Web ID “World Learning” before proceeding with the registration process.
Contact Information
Your Pet Insurance Benefits
Eligibility:
Employees who work a minimum of 20 hours per week are eligible to participate as of their date of hire.
Benefit eligible employees have the option of enrolling in Pet Insurance through Nationwide Pet. Employees may purchase coverage on dogs, cats, and birds. All policies are individually written, and monthly rates are determined by breed, age, species, type of plan selected and state of residence.
Employees who wish to enroll can access the Nationwide Pet enrollment website link at https://www.petinsurance.com/employee-benefits/company-search/. Premiums can be paid through payroll deductions (26 pay periods per year). For more information, contact Nationwide Pet at 877-738-7874.
Contact Information
Plan Information
Your Parking & Transit Benefits
Eligibility
Please contact Human Resources for more information.
Benefit Details
World Learning offers commuter benefits to eligible employees. This is a pre-tax benefit account that is used to pay for public transit and qualified parking as part of your daily commute to work.
As of the date of this publication, the maximum contribution amount is $300 per month for parking and/or transit.
Signing Up for a Commuter Account
Employees who wish to sign up for the Parking & Transit benefit must reach out to Human Resources at hr@worldlearning.org, then register & place their order via the Wage Works participant website: www.wageworks.com/employees/commuter-benefit-accounts/
Your Travel Insurance Benefits
World Learning partners with Cigna Global Envoy for your travel insurance benefit. This is a voluntary benefit and the cost is 100% paid by the employee.
Eligibility: Full-time employees, part-time employees and designated consultants under age 72, as determined by employer.
Type of Coverage: Business Travel & Sojourn Coverage
For more details please contact Human Resources
Contact Information
Your Employee Discounts
World Learning offers employee discounts through LifeMart.
Go to https://lm.lifemart.com/group/lifemart/home for deals and discounts or access the link through the ADP homepage.
Below is a list of participating vendors.
Contact Information
Medicare Resource: SmartConnect
The Richards Group has partnered with SmartConnect™, an exclusive, no-cost program created specifically to connect Medicare-eligible working adults to the world of Medicare benefits. Whether an employee plans to continue working or is transitioning to retirement, we tailor solutions designed around their needs. Our agents provide an unfiltered view of the entire range of options and prices available to the employee.
SmartConnect Contact Information
For more information or to get started, please click on the following link: https://gps.smartmatch.com/therichardsgroup
Additional Information
Recording of a SmartConnect Medicare Webinar
Enrollment Changes & Eligibility
Changing Elections
Benefit elections you make when you become newly eligible for benefits or at open enrollment remain in effect through December 31 of the plan year, unless you experience a qualifying life event.
You may make changes to your medical, dental, vision, health care reimbursement account and dependent care reimbursement acount elections if you experience a qualifying event such as:
- Marital status change
- Dependent status change
- Employment status change affecting eligibility or cost
- Address change that changes eligibility for benefits
- Eligibility change related to Medicare, Medicaid or state Child Health Insurance Plan (CHIP)
Any changes you make must be “due to and consistent with” your qualifying event, and the consistency requirements vary depending on the type of qualifying event. Human Resources will determine whether a requested change is due to and consistent with a qualified change in status. Contact HR for more information regarding qualfiying events and what changes can be made for each event.
To make changes, please see HR as soon as possible as you only have 30 days of the qualifying event (or 60 days if the event is an eligibility change related to Medicaid or CHIP as described in “Special Enrollment Rights” below.
Special Enrollment Rights
Certain qualifying events come with legal rights known as Special Enrollment Rights and those rights are described below.
If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance coverage (or if the employer stops contributing towards your or your dependents’ other coverage), you may in the future be able to enroll yourself or your dependents in the medical plan, provided that you request enrollment within 30 days after your other coverage ends. In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents, provided that you request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.
If you and/ or your dependents are covered under Medicaid or a state Child Health insurance Program (CHIP) and lose eligibility for such coverage, you may be able to enroll yourself or your dependents in the medical plan, provided that you request enrollment within 60 days after the loss of coverage. Likewise, if you and/ or your dependents become eligible for Medicaid or CHIP premium assistance, you may be able to enroll yourself or your dependents in a health insurance program, provided that you request enrollment within 60 days after the date you are determined to be eligible for premium assistance.
Changes to HSA Elections
You do not need a qualifying event to change your HSA contribution amount. You may make changes to your HSA at any time during the plan year. HSA changes will typically take effect in the pay period following receipt of your request in HR.