{"id":1131,"date":"2022-06-08T15:56:46","date_gmt":"2022-06-08T19:56:46","guid":{"rendered":"https:\/\/inside.wooster.edu\/hr\/?page_id=1131"},"modified":"2025-02-19T12:11:22","modified_gmt":"2025-02-19T17:11:22","slug":"benefits-quick-reference","status":"publish","type":"page","link":"https:\/\/inside.wooster.edu\/hr\/benefits\/benefits-quick-reference\/","title":{"rendered":"Frequently Asked Questions – Benefits"},"content":{"rendered":"\n

Top of Page<\/p>\n\n\n\n

Table of Contents<\/div><\/div><\/div>
  1. General Questions<\/a>
    1. What Are The College’s Core Benefits?<\/a><\/li>
    2. Who is eligible for benefits?<\/a><\/li>
    3. Want to make changes to your benefits?<\/a><\/li>
    4. What qualifies as events to change my benefits?<\/a><\/li>
    5. Which benefits have waiting periods?<\/a><\/li>
    6. Who are my 2025 Benefits Providers?<\/a><\/li>
    7. What is a Qualified Life Event (QLE)?<\/a><\/li>
    8. What are the options for Gender-Affirming Care at The College of Wooster?<\/a><\/li><\/ol><\/li>
    9. Form 1095-C Questions<\/a>
      1. What is the Form 1095?<\/a><\/li>
      2. When will I receive a Form 1095?<\/a><\/li>
      3. Do I need the Form 1095 to file my federal taxes?<\/a><\/li>
      4. Is the Individual Mandate still in effect regarding Form 1095?<\/a><\/li>
      5. My Form 1095 information is incorrect. Who do I contact?<\/a><\/li>
      6. How do I request a copy of my Form 1095-C?<\/a><\/li><\/ol><\/li><\/ol><\/div><\/div><\/div><\/section>\n\n\n\n

        General Questions<\/h2>\n\n\n\n

        What Are The College’s Core Benefits?<\/h3>\n\n\n\n

        Medical:<\/strong>\u00a0Anthem
        Dental:<\/strong>\u00a0Anthem
        Vision:<\/strong>\u00a0Anthem
        Prescription:<\/strong>\u00a0Express Scripts
        Telehealth:\u00a0<\/strong>Anthem\/ Live Health Online
        Health Saving Account:<\/strong>\u00a0PNC Bank
        Flexible Spending Account:<\/strong>\u00a0Anthem
        Life and AD&D, Voluntary Life:<\/strong>\u00a0Lincoln Financial Group
        Long-term Disability:<\/strong>\u00a0Lincoln Financial Group
        Voluntary Accident Insurance:<\/strong>\u00a0New York Life
        Employee Assistance Program:\u00a0<\/strong>Chrysalis Family Solutions, BHS, and Lincoln Financial Group

        Scroll to Top<\/a><\/p>\n\n\n\n

        Who is eligible for benefits?<\/strong><\/strong><\/h3>\n\n\n\n

        Employees that work 1,000 or more hours annually are eligible for various benefits. Any questions about eligibility should be directed to the Office of Human Resources.

        Scroll to Top<\/a><\/p>\n\n\n\n

        Want to make changes to your benefits?<\/h3>\n\n\n\n

        Special Enrollment Rights<\/em>
        Open Enrollment occurs once each year. You may change your benefit elections during the open enrollment period. Once you have made your selection, you may not change benefit elections until the next open enrollment unless you have a qualifying event in employment or family status.

        Scroll to Top<\/a><\/p>\n\n\n\n

        What qualifies as events to change my benefits?<\/strong><\/h3>\n\n\n\n

        \u2013 Marriage, divorce or legal separation (state specific)
        \u2013 Dependent child through birth, adoption or court-ordered custody
        \u2013 Death of a spouse or child
        \u2013 Your work schedule changes (i.e. reduction or increase in hours which affects eligibility) \u2013 You change your permanent address outside of your plan\u2019s service area
        \u2013 Your dependent loses or gains eligibility for coverage
        \u2013 You or your dependent become eligible for Medicare
        \u2013 You and\/or your spouse and dependents become eligible for COBRA
        \u2013 You and\/or your spouse and dependents gain or lose Medicaid coverage
        \u2013 You received a Qualified Medical Child Support Order (QMCSO)

        If you experience one of these qualifying events, you have 30 days from the date of the event to notify the Human Resources Department and make any desired benefit changes. Otherwise, elections you make during open enrollment will remain in effect for the entire plan year. Also, if you or your eligible dependents are covered under Medicaid or a State Children\u2019s Health Insurance Program (CHIP) and that coverage ends, you may be able to enroll yourself and any affected dependent in this plan\u2019s medical coverage. You must request enrollment within 60 days after the Medicaid or CHIP coverage ends. If you or your eligible dependent becomes eligible, under Medicaid or a State CHIP plan for financial assistance to pay for health coverage under this plan, you may be able to enroll yourself and any affected dependent in this plan. You must request enrollment within 60 days after the date a government agency determines that you are eligible for that financial assistance.

        Scroll to Top<\/a><\/p>\n\n\n\n

        Which benefits have waiting periods?<\/strong><\/h3>\n\n\n\n

        Health, Vision, and Dental<\/strong>
        \u2022 Coverage begins day 1. No waiting period.
        Life\/AD&D<\/strong>
        \u2022 Hourly Staff \u2013 6 months
        \u2022 Salaried Staff \u2013 Day 1
        Long Term Disability<\/strong>
        \u2022 1 Year
        Retirement Contributions and Matching<\/strong>
        \u2022 Staff \u2013 1 Year
        \u2022 Faculty \u2013 2 Years
        Tuition Benefits<\/strong>
        \u2022 3 Years
        If you have previous higher education experience, and participated in their benefits, you may be eligible for service credit to waive some or all of these waiting periods. If you may qualify, send the\u00a0        Verification of Previous Benefits\u00a0<\/a>to your previous employer\u2019s HR department to have them fill and return to benefits@wooster.edu.

        Scroll to Top<\/a><\/p>\n\n\n\n

        Who are my 2025 Benefits Providers?<\/strong><\/h3>\n\n\n\n

        Anthem<\/strong>:
        \u2022 Health
        \u2022 Vison
        \u2022 Dental
        \u2022 FSA

        Prescriptions<\/strong>
        \u2022 RxBenefits, administered through Express Scripts

        Retirement<\/strong>
        \u2022<\/strong>\u00a0TIAA

        Lincoln Financial Group<\/strong>
        \u2022 Basic Life and Accidental Death & Dismemberment
        \u2022 Voluntary Life
        \u2022\u00a0<\/strong>Short Term Disability
        \u2022 Long Term Disability

        New York Life<\/strong>
        \u2022<\/strong>\u00a0Voluntary Accident

        Scroll to Top<\/a><\/p>\n\n\n\n

        What is a Qualified Life Event (QLE)?<\/strong><\/h3>\n\n\n\n

        Qualified Life Events give employees the opportunity to change existing health insurance plans outside of the Open Enrollment Period.

        QLEs generally include, but not limited to:
        \u2022 Marriage
        \u2022 Divorce
        \u2022 Birth or Adoption
        \u2022 Death of insured individual in the family
        \u2022 Losing health insurance coverage due to job loss
        \u2022 Turning 26 and losing coverage from parent\u2019s health insurance plan
        \u2022 Moving to a different zip code or country that changes your health plan area

        If you have experienced any of the above, or believe that you have, reach out to the Benefits Team at benefits@wooster.edu so we can assess your options

        Scroll to Top<\/a><\/p>\n\n\n\n

        What are the options for Gender-Affirming Care at The College of Wooster?<\/strong><\/h3>\n\n\n\n

        The Benefits Team at The College has created this\u00a0flyer\u00a0<\/a>with access to resources for gender-affirming care options through The College of Wooster\u2019s current health plan. If you have more specific questions about gender-affirming care and resources through The College of Wooster\u2019s health plan, please reach out to the benefits team at benefits@wooster.edu to be connected with a benefits staff member.

        In addition to resources listed in the flyer, check out the Sexuality & Gender Inclusion\u2019s Resources\u00a0        page\u00a0<\/a>for more information.

        Scroll to Top<\/a><\/p>\n\n\n\n

        Form 1095-C Questions<\/h2>\n\n\n\n

        What is the Form 1095?<\/strong><\/h3>\n\n\n\n

        Form 1095 is a federal tax form. There are 3 types of these forms:
        \u2013 The Form 1095-A shows that you received health coverage through the health insurance marketplace.
        \u2013 The Form 1095-B shows that you received minimum essential coverage provided by an insurer or other
        entity.
        \u2013 The Form 1095-C shows whether your employer offered health coverage in 2020, and whether that offer
        of coverage met minimum value standards and was affordable. The Form 1095-C might also show whether
        you were covered by minimum essential coverage offered by your employer.

        If you have questions about how your Form 1095 relates to your tax return, please consult your tax professional.<\/em>

        Scroll to Top<\/a><\/p>\n\n\n\n

        When will I receive a Form 1095?<\/strong><\/h3>\n\n\n\n

        If you received health coverage through the marketplace, you\u2019ll receive a Form 1095-A by early
        February for last year.

        If you are entitled to a Form 1095-B, you\u2019ll receive it by early March. Alternatively, the insurer or
        entity who provided your health coverage during the previous year may choose to make the Form 1095-B available
        only upon request. If you want a copy of your Form 1095-B, contact the insurer or entity who provided your
        health coverage.

        If you were employed by an employer who employed 50 or more employees, you\u2019ll receive a
        Form 1095-C in early March.

        Scroll to Top<\/a><\/p>\n\n\n\n

        Do I need the Form 1095 to file my federal taxes?<\/strong><\/h3>\n\n\n\n

        No. You do not need the Form 1095 to file your federal taxes. You should keep the document for your records.

        Scroll to Top<\/a><\/p>\n\n\n\n

        Is the Individual Mandate still in effect regarding Form 1095?<\/strong><\/h3>\n\n\n\n

        The Affordable Care Act\u2019s requirement for individuals to maintain minimum essential coverage, or pay a tax
        penalty, is no longer in effect.

        However, some states impose a requirement for residents to maintain minimum essential coverage, or be subject
        to a state tax penalty. States currently imposing an individual mandate are California, District of Columbia,
        Massachusetts, New Jersey, Rhode Island and Vermont. If you live in one of these states, contact your state
        tax department for information about your obligations. If you live in one of these states and are subject to the
        requirement to maintain health coverage, the Form 1095 that you receive may be useful in proving that you had
        health coverage.

        Scroll to Top<\/a><\/p>\n\n\n\n

        My Form 1095 information is incorrect. Who do I contact?<\/strong><\/h3>\n\n\n\n

        If information on your Form 1095-A is incorrect, contact the marketplace from where you received coverage. Contact the insurance company if information on the Form 1095-B is incorrect. Contact your HR or benefits department if information on the 1095-C is incorrect.

        Examples of information that could be incorrect are your name, address or Social Security Number.

        Scroll to Top<\/a><\/p>\n\n\n\n

        How do I request a copy of my Form 1095-C?<\/h3>\n\n\n\n

        Directions on how to request a copy of your Form 1095-C are listed here<\/a>.

        Scroll to Top<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

        Top of Page General Questions What Are The College’s Core Benefits? Medical:\u00a0AnthemDental:\u00a0AnthemVision:\u00a0AnthemPrescription:\u00a0Express ScriptsTelehealth:\u00a0Anthem\/ Live Health OnlineHealth Saving Account:\u00a0PNC BankFlexible Spending Account:\u00a0AnthemLife and AD&D, Voluntary Life:\u00a0Lincoln Financial GroupLong-term Disability:\u00a0Lincoln Financial GroupVoluntary Accident Insurance:\u00a0New York LifeEmployee Assistance Program:\u00a0Chrysalis Family Solutions, BHS, and Lincoln Financial Group Scroll to Top Who is eligible for benefits? Employees that work 1,000 […]<\/p>\n","protected":false},"author":270,"featured_media":0,"parent":173,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1131","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/inside.wooster.edu\/hr\/wp-json\/wp\/v2\/pages\/1131","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/inside.wooster.edu\/hr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/inside.wooster.edu\/hr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/inside.wooster.edu\/hr\/wp-json\/wp\/v2\/users\/270"}],"replies":[{"embeddable":true,"href":"https:\/\/inside.wooster.edu\/hr\/wp-json\/wp\/v2\/comments?post=1131"}],"version-history":[{"count":46,"href":"https:\/\/inside.wooster.edu\/hr\/wp-json\/wp\/v2\/pages\/1131\/revisions"}],"predecessor-version":[{"id":5811,"href":"https:\/\/inside.wooster.edu\/hr\/wp-json\/wp\/v2\/pages\/1131\/revisions\/5811"}],"up":[{"embeddable":true,"href":"https:\/\/inside.wooster.edu\/hr\/wp-json\/wp\/v2\/pages\/173"}],"wp:attachment":[{"href":"https:\/\/inside.wooster.edu\/hr\/wp-json\/wp\/v2\/media?parent=1131"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}