Teammates

Income Protection

Atrium Health partners with you to take care of your physical, financial and personal health, including your unique individual and family needs. In addition to your core benefits (medical, dental, and vision), Atrium Health provides you with convenient access to cost-effective group rates on a wide range of Additional Benefits. Pair these Additional Benefits with your core benefits to supplement income in the case of an accident or emergency, protect you and your family’s financial future, and help balance the important areas of your life.

In This Section:


 

Basic Life Insurance

Atrium Health offers teammate’s family, friend(s) or designated organization(s) financial support equal to one and a half (1.5) times a teammate’s base salary.

  • Eligibility: All teammates with 30 or more standard hours per pay week.
  • Benefit Details
    • Basic life insurance is equal to one and one-half (1.5) times the teammate’s annual base salary, up to a maximum benefit of $500,000.00
    • Teammates with a minimum of 16 standard hours per week may also purchase supplemental life insurance and/or accidental death and dismemberment coverage for themselves, a spouse or children
    • Please see the full Basic Life Insurance Policy for more details i.e. rounding, age reductions
    • Plan varies for monthly paid teammates

 

Short-Term Disability

For teammates experiencing an unfortunate illness and/or injury that lasts beyond 14 days, Atrium Health provides short-term disability coverage which pays eligible teammates a benefit equal to 60% of their base salary after satisfying an elimination period of 14 days.

  • Eligibility:
    •  Full-time and part-time teammates with at least 30 standard hours per pay week
    • Teammates who have reached the first day of the month following 90 days of employment
  • Benefit Details:
    • Teammates may be eligible to receive payments equal to 60% of their base salary up to $2,500 per week
    • Please see the full STD Policy for more details Medical residents do not have a waiting period
    • Plan varies for monthly-paid teammates

 

Long-Term Disability

For teammates experiencing an unfortunate illness and/or injury that has lasted beyond 180 days, Atrium Health provides long-term disability coverage which pays eligible teammates a benefit equal to 60% of their base salary up to $10,000 a month.

  • Eligibility:
    • Full-time and part-time teammates with standard work hours of at least 30 hours per pay week
    • Teammates who have reached the first day of the month following 90 days of employment
    • Teammates who have had at least 180 calendar days of continuous illness or injury that has prevented the teammate from working
    • Plan varies for monthly paid teammates
  • Benefit Details: 
    • Teammates may be eligible to receive payments equal to 60% of their base salary up to $10,000 month
    • Please see the full LTD Policy for more details
    • Benefits received are considered taxable income

 

Supplemental Life and Accidental Death and Dismemberment*

Provides additional benefit to you or your loved ones in the event of death or accidental death and dismemberment.

  • Carrier: MetLife
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the annual Open Enrollment period or due to an applicable qualifying life event
  • Cancellation: Teammates can cancel during the annual Open Enrollment period or due to an applicable qualifying life event
  • Plan Highlights:
    • Rates vary based on coverage and age
    • Coverage is convertible; if you lose eligibility or employment ends

* Benefit can be increased annually by one increment without Evidence of Insurability.

Supplemental Life Coverage

Teammate
Teammates can elect up to five times their annual base salary up to a maximum of $1 Million
Newly eligible teammates have a guarantee issue of coverage and can increase their coverage by one increment each Open Enrollment period without completing Evidence of Insurability (EOI)
If teammates choose to increase their benefit by more than one time their annual salary, Evidence of Insurability will be required
Spouse
Teammates can elect coverage for their spouse up to $100,000 in increments of $10,000. Any election over $50,000 will require Evidence of Insurability
Newly eligible teammates have guarantee issue of spouse coverage of $50,000, and can increase or enroll by $10,000, up to $50,000, each annual enrollment period without completing evidence of insurability. If teammates who choose to enroll or increase their spouse benefit by more than $10,000, or if coverage exceeds $50,000, Evidence of Insurability will be required.
Children*
Teammates can elect coverage for their child(ren) up to $10,000 in increments of $2,000
Coverage available to unmarried children from birth to age 26

* Each eligible child is enrolled for the amount elected by the teammate and one premium covers all children.

Accidental Death & Dismemberment

Teammate
Teammates can elect up to five times their annual base salary up to a maximum of $1 Million
Teammates can enroll or increase their benefit by any amount during open enrollment or with a qualifying life event
Spouse
Teammates can elect coverage for their spouse up to $100,000 in increments of $10,000
Children*
Teammates can elect coverage for their child(ren) up to $10,000 in increments of $2,000
Coverage available to unmarried children from birth to age 26

* Each eligible child is enrolled for the amount elected by the teammate and one premium covers all children.

 

Universal Life Insurance

Provides individual life insurance policies that grant a lump sum payment to your beneficiaries upon your death or may help close the financial gap for you and your family due to a chronic or terminal illness.

  • Carrier: TransAmerica
  • Eligibility: Teammates with 16 or more standard hours per week.
  • Enrollment: Teammates may enroll when newly eligible or during the annual Open Enrollment period
  • Cancellation: Teammates may cancel their policy at any time
  • Policy Highlights:
    • Accumulates cash value
    • Guaranteed tax-deferred interest rate of 3%
    • Withdrawal or loan options
    • You may insure your eligible spouse and children
    • Coverage is portable, you can take the benefit with you if your eligibility or employment ends
  Benefit
Teammate (ages 16-80) $25,000-150,000, not to exceed 5x base salary
Spouse or equivalent by law (ages 16-65) $15,000
Children under Optional Child Term Rider (ages 15 days-25 years) $10,000

 

Short-Term Disability Buy-Up*

Teammates have the opportunity to shorten the waiting period for Short-Term Disability from 14 to 7 days.

  • Carrier: MetLife
  • Eligibility: Teammates with 30 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the annual Open Enrollment period or due to a qualifying life event
  • Cancellation: Teammates may cancel during Open Enrollment or due to a qualifying life event
  • Policy Highlights:
    • Provides a reduction of the normal waiting period from 14 to 7 days
    • Coverage is 60% of base salary during the buy-up week
    • Teammates who enroll in the Buy-Up option when they are newly eligible will not have to complete Evidence of Insurability
    • Premiums are calculated on base salary

*Not available for monthly-paid teammates.

 

Voluntary Short-Term Disability

This benefit is offered to part-time teammates who are not eligible for Short-Term Disability provided by Atrium Health. Provides income replacement for injuries or illnesses that prevent you from working.

  • Carrier: MetLife
  • Eligibility: Part-time Teammates with 16 - 29 standard hours per week or physicians with 16 - 19 standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the Open Enrollment period or due to a qualifying life event
  • Cancellation: Teammates may cancel their plan during Open Enrollment or due to a qualifying life event
  • Plan Highlights:
    • Rates vary by age
    • Benefit level is 60% of your base salary
    • Maximum weekly benefit is $2,500
    • Benefits received are considered non-taxable income (Please see the full Voluntary Part-time STD policy for more details)

 

Dependent Back-up Care

Provides care to a child or dependent adult when an emergency arises or when regular care plans are not available.

  • Carrier: LifeCare
  • Eligibility: Teammates (Full-time and Part-time) – excludes temporary and PRN teammates
  • Enrollment: Teammates may enroll in this benefit at any time
  • Cancellation: Teammates may cancel this plan at any time
  • Care Includes:
    • Center-based care
    • Caregiver vacations
    • Evening and weekend in-home care
    • School holidays or inclement weather
    • Business travel
    • In-home care after minor surgery weather emergencies
  • Plan Highlights:
    • Up to 15 days of care annually
    • Center-based care is $25 per day
    • Discounted care expenses
    • In-home care is $25 per day up to 4 children
    • Access to trained caregivers
    • $75 per day reimbursement for Friends and Family

* The IRS limits apply to a combination of Dependent Care Flexible Spending Account and Dependent Care Back Up. Usage in excess of IRS limits will be taxable

 

Identity Theft

Provides protection for members against identity fraud using comprehensive, advanced, proactive technology.

  • Carrier: InfoArmor
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll in this benefit at any time
  • Cancellation: Teammates may cancel this plan at any time
  • Services Include:
    • Identity monitoring
    • Digital identity protection
    • WalletArmor
    • Credit identity monitoring
    • Credit scores and reports
    • Social media reputation monitoring
  • Plan Highlights:
    • Coverage protects teammates and eligible dependents
    • Coverage is portable. You can take the benefit with you if your eligibility or employment ends
  Bi-Weekly Premium  Monthly Premium
Teammate + Spouse $3.67 $7.95

 

Legal Insurance

Provides comprehensive legal assistance to you and your eligible dependents.

  • Carrier: ARAG
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible or during the annual
  • Open Enrollment Period Cancellation: Teammates may cancel their plan at any time
  • Examples of Services Included:
    • Civil damage claims
    • Consumer protection matters
    • Criminal matters
    • Family law
    • Real estate matters
    • Debt-related matters
    • Tax matters
    • Wills and estate planning
  • Plan Highlights:
    • Individually credentialed attorney network
    • Mobile-ready/user-friendly website
    • Attorney fees are 100% paid-in-full when using a Network Attorney
    • Legal Hotline
    • Coverage is portable; you can take the benefit with you if your eligibility or employment ends
  Bi-Weekly Premium  Monthly Premium
Teammate + Dependents $7.20 $15.60

 

Teammate Emergency Care Fund

The Atrium Health Teammate Emergency Care Fund has been established to provide our teammates with financial assistance when they have suffered a hardship caused by catastrophic events beyond their control. The fund assists teammates in meeting basic needs when all other resources have been exhausted.

 

Auto, Home, and Other Personal Insurances

As an Atrium Health teammate, you are eligible to receive group discounts for personal lines of insurance.

  • Carrier: MetLife
  • Eligibility: All teammates are eligible for discounts. Teammates with 16 or more standard hours per week qualify for payroll deduction
  • Enrollment: Teammates may request information and enroll in this benefit at any time. Rate quotes and enrollment confirmation provided by MetLife
  • Cancellation: Teammates may cancel their plan at any time by contacting MetLife
  • Plans Cover: Auto, Home, Boat, Motorcycle
  • Plan Highlights: Premiums paid through payroll deduction. Discounted rates available for Atrium Health teammates

 

Pet Insurance

Provides reimbursements for eligible veterinary expenses related to accidents, injuries and illnesses for dogs, cats, birds and exotic pets. Optional wellness benefit is available for routine preventive care.

  • Carrier: Nationwide
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll in this benefit at any time. Enrollment confirmation provided by Nationwide
  • Cancellation: Teammates may cancel their plan at any time
  • Plan Highlights:
    • 24/7 access to veterinary helpline
    • You can use your preferred veterinarian
    • Rates based on breed, species and age of the pet

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