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Charlotte Voluntary Benefits

For Greater Charlotte Teammates

Voluntary Benefits

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 Voluntary Benefits. Pair these Voluntary 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.

Your Atrium Health Benefits coverage details are now available in CORE Connect. In CORE Connect, start on the Me screen then click the Benefits tile.

Health & Well-Being Voluntary Benefits

CORE Connect

Questions 

704-631-1500, choose Option 1

Metlife

866-729-9201

Income Protection Voluntary Benefits

BenExtend Insurance

  • Carrier: Aflac 
  • BenExtend Summary  
  • BenExtend Brochure
  • BenExtend FAQs
  • Aflac Enrollment Language
  • Eligibility: Teammates with 16 or more standard hours per week 
  • Enrollment: Teammates may enroll when newly eligible, during the Annual Enrollment period or due to a qualifying life event 
  • Cancellation: Teammates may cancel their policy at any time 
  • Policy Highlights: 
    • Features benefits from accident, critical illness and hospital indemnity plans, bundled in one simple plan 
    • The benefit can help manage out-of-pocket expenses, deductibles and other health care costs 
    • No waiting period 
    • Guaranteed issue (no medical questions) 
    • Includes a $50 Annual Wellness Benefit 
  • Examples of coverage:  
    • Accident: Initial treatment, ambulance, lacerations and fractures 
    • Critical Illness: Cancer (internal or invasive), heart attack, stroke, kidney failure, major organ transplant and coronary artery bypass surgery 
    • Hospital Indemnity: Hospital admission and hospital confinement 
  Bi-Weekly Premium  Monthly Premium
Teammate Only $13.80
 $29.90
Teammate + Spouse $27.12 $58.75
Teammate + Child $21.01 $45.52
Teammate, Spouse + Children
 $34.32 $74.37

Hospital Admission

  • Carrier: MetLife
  • Hospital Plan Summary
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the Annual Enrollment period or due to a qualifying life event
  • Cancellation: Teammates may cancel their policy at any time
  • Policy Highlights:
    • No waiting period
    • No lifetime maximum
    • $1,500 one-time payment for hospitalization (once per year)
    • $100 each day an insured person is admitted to a hospital (but not an emergency room, outpatient stay or stay in an observation unit) as a result of a covered accident or sickness (maximum benefit of 31 days per calendar year)
    • $200 each day an insured person is admitted to an intensive care unit as the result of a covered accident or sickness (maximum benefit of 10 days per calendar year)
    • Insurance is portable. You can take the benefit with you if your eligibility or employment ends
  Bi-Weekly Premium  Monthly Premium
Teammate Only $11.02
 $23.88
Teammate + Spouse $19.44  $42.12
Teammate + Child $16.35  $35.41
Teammate, Spouse + Children
 $24.76
  $53.65

 

Accident

Provides a benefit for injuries and accident-related expenses.

  • Carrier: MetLife
  • Accident Plan Summary
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the Annual Enrollment period or due to a qualifying life event
  • Cancellation: Teammates may cancel their policy at any time
  • Examples of Covered Injuries from Accidents:
    • Fractures
    • Concussions
    • Dislocations
    •  Burns
    • Paralysis
  • Policy Highlights:
    • No waiting period
    • Individual and family options available
    • Guaranteed Issue, no Evidence of Insurability is required to qualify for insurance
    • Insurance is portable, you can take the benefit with you if your eligibility or employment ends

Annual Wellness Benefit: You may receive a maximum of $50 for teammate and insured spouse screening during a routine preventive care appointment with your doctor. Covered health screening tests include: mammography, colonoscopy, PAP smear, chest X-ray, bone marrow testing, fasting blood glucose test and blood test for triglycerides.

 
  Bi-Weekly Premium  Monthly Premium
Teammate Only $3.70
 $8.01
Teammate + Spouse $7.39  $16.01
Teammate + Child $8.69  $18.83
Teammate, Spouse + Children
 $10.59
  $22.94

 

Critical Illness

Provides a lump sum directly to you if you are diagnosed with a covered illness.

  • Carrier: MetLife
  • Critical Illness Plan Summary 
  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible, during the Annual Enrollment period, or due to a qualifying life event*
  • Cancellation: Teammates may cancel their policy at any time
  • Examples of Covered Illnesses:
    • COVID-19 
    • Heart attack
    • Severe stroke
    • Alzheimer’s disease
    • Blindness
    • Cancer
    • Major Organ Transplant
    • Coronary Artery Bypass Surgery
    • Occupational HIV/Hepatitis?
  • Policy Highlights:
    • No waiting period
    • No lifetime maximum
    • Benefits payable for each covered critical illness
    • Individual and family options available

Annual Wellness Benefit: This benefit can help pay the costs for a screening for early signs of disease and lead to earlier intervention. The annual benefit is $100 for completing an eligible health test and is available to each insured person. Some examples are biopsy, chest X-ray, stress test and fasting blood glucose test

*Critical Illness rates are based on age and elected amount

(Rates shown are for Teammate Only Coverage):

  $15,000 Coverage
  Bi-Weekly Premium  Monthly Premium
Teammate Age 25 $2.28
 $4.95
Teammate Age 35 $3.81  $8.25
Teammate Age 45 $8.03  $17.40
Teammate Age 55
 $16.13
 $34.95
Teammate Age 70 $31.85 $69.00
  $30,000 Coverage
  Bi-Weekly Premium  Monthly Premium
Teammate Age 25 $4.57
 $9.90
Teammate Age 35 $7.62  $16.50
Teammate Age 45 $16.06  $34.80
Teammate Age 55
 $32.26
 $69.90
Teammate Age 70 $63.69 $138.00

 

Healthcare Power of Attorney and Living Will Educational Opportunity

Advance Directives tell your doctors and your loved ones what you want them to do if something happens to you and you are unable to speak for yourself. With this free educational opportunity you will:

  • Learn how Advance Directives, like Healthcare Power of Attorney or Living Will, can help you stay in control of your medical care
  • Have the opportunity to make an Advance Directive
  • Learn what to do with your completed Advance Directives
  • Classes are held monthly at a variety of Atrium Health facilities. 

Visit the Advanced Directives page to learn more.

Credit Union

As an Atrium Health teammate, you are eligible to become a member of Skyla Credit Union (formerly Charlotte Metro Credit Union). Products available include checking accounts, savings accounts, direct deposit, credit cards, loans, financial counseling and more.  

Visit your local Skyla Credit Union or call 704-375-0183. 

  •  Eligibility: All teammates 

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

Atrium Health provides, at no cost to the teammate, financial support with Basic Life Insurance and AD&D to be paid to the teammate's designated beneficiary, if applicable.

  • Carrier: MetLife
  • Eligibility: All teammates with 30 or more standard hours per pay week.
  • Benefit Details
    • Basic life insurance is equal to one times the teammate’s annual base salary, up to a maximum benefit of $1,000,000
    • Basic AD&D insurance is equal to one times the teammates annual base salary, up to a maximum benefit of $1,000,0000 
    • 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 and AD&D Insurance Policy on the Summary Plan Documents page for more details i.e. rounding, age reductions
    • Plan varies for monthly paid teammates
Teammates enrolled in the company-provided Basic Life Insurance Plan as of 12/31/2022 will have the following grandfathered coverage: The grandfathered Basic Life Insurance plan is closed to new enrollments/re-enrollments as of 1/1/2023. 
  • Carrier: MetLife  
  • Eligibility: Full-Time Teammates with at least 30 standard hours per 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 $1,000,000 (effective 1/1/2023). This is an increase in the maximum benefit, up from $500,000  
    • Please see the full Basic Life and AD&D Insurance Plan on the Summary Plan Documents page for more details (i.e., rounding, age reductions, etc.)
  • Plan varies for monthly paid teammates

    Please note:
    A status change effective 1/1/2023 or later may have an impact on eligibility for the grandfathered Basic Life Insurance Plan. For example, if the teammate experiences a status change which results in standard hours falling below 30, the teammate will lose company-provided Basic Life Insurance coverage.

    Once the teammate’s grandfathered company-provided Basic Life Insurance coverage of one and one-half (1.5 ) times their annual base salary ends, the teammate will not regain eligibility into this grandfathered plan if they experience, at a later date, a status change back to 30 or more standard hours per week. Instead, they would be eligible for the company-provided Basic Life Insurance coverage at one (1) times their annual base salary, up to a maximum benefit of $1,000,000. 

Short-Term Disability

For teammates experiencing an unfortunate illness and/or injury that lasts beyond 14 days, Atrium Health provides access to voluntary 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 or 30 days.

  • Carrier: MetLife
  • Eligibility:
    • Full-time and part-time teammates with at least 16 standard hours per pay week
    • Teammates who have reached the first day of the month following 90 days of service in the benefits-eligible status 
  • 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 benefit on the Summary Plan Documents page for more details.  Medical residents do not have a waiting period
    • Plan varies for monthly-paid teammates
Teammates enrolled in the following Short-Term Disability Plans as of 12/31/2022 have grandfathered coverage.   These grandfathered Short-Term Disability Plans are closed to new enrollments/re-enrollments as of 1/1/2023.

Important Note for Grandfathered Short-Term Disability Plans:   
A status change effective 1/1/2023 or later may have an impact on eligibility for the grandfathered Short-Term Disability Plans. Please see the notes under each grandfathered plan for more information. 

  • Company-provided Short-Term Disability
    • Carrier: MetLife  
    • Eligibility: Full-Time Teammates with at least 30 standard hours per week  
    • Benefit Details:  
      • Elimination period is 14 days  
      • Teammates may be eligible to receive payments equal to 60% of their base salary up to $2,500 per week  
      • Please see the full grandfathered company-provided STD benefit. Medical residents do not have a waiting period  

Please note: 
If the teammate experiences a status change which results in standard hours falling below 30, the teammate will lose company-provided Short-Term Disability coverage.  

  • If the teammate’s standard hours are changed to between 16-29, the teammate will be eligible to elect the Voluntary Short-Term Disability Plan and can choose from either a 14-day or a 30-day waiting period option.  
  • If the teammate’s standard hours are changed to 15 or less, the teammate will not be eligible to elect the Voluntary Short-Term Disability Plan.

    • Once the teammate’s company-provided Short Term Disability coverage ends, the teammate will not regain eligibility into this grandfathered plan if the teammate experiences a status change back to 30 or more standard hours per week at a later date.   
  • Voluntary Short-Term Disability Buy-Up
    • Carrier: MetLife  
    • Eligibility: Full-Time Teammates with at least 30 standard hours per week who were also enrolled in the company-provided short-term disability plan as of 12/31/2022  
    • Benefit Details:  
      • Elimination period is 7 days (reduced from 14 days)  
      • Teammates may be eligible to receive payments equal to 60% of their base salary up to $2,500 per week  
      • Please see the full grandfathered STD Buy-Up benefit for more details 

Please note: 
If the teammate experiences a status change which results in standard hours falling below 30, the teammate will lose company-provided and Voluntary Buy Up Short-Term Disability coverage.  

  • If the teammate’s standard hours are changed to between 16-29, the teammate will be eligible to elect the Voluntary Short-Term Disability Plan and can choose from either a 14-day or a 30-day waiting period option.  
  • If the teammate’s standard hours are changed to 15 or less, the teammate will not be eligible to elect the Voluntary Short-Term Disability Plan.

Once the teammate’s company-provided and Voluntary Buy Up Short-Term Disability coverage ends, the teammate will not regain eligibility into this grandfathered plan if the teammate experiences a status change back to 30 or more standard hours per week at a later date.   

  • Voluntary Short-Term Disability for Part-Time Teammates  
    • Carrier: MetLife  
    • Eligibility: Part-Time Teammates with at least 16 standard hours per week  
    • Benefit Details:  

Please note: 
If the teammate experiences a status change which results in standard hours falling below 16, the teammate will lose Voluntary Short-Term Disability for Part-Time teammates coverage. 

  • The teammate will not be eligible to elect the Voluntary Short-Term Disability Plan.

    • Once the teammate’s Voluntary Short-Term Disability for Part-Time teammates coverage ends, the teammate will not regain eligibility into this grandfathered plan if the teammate experiences a status change back to 16 or more standard hours per week at a later date.   

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.

  • Carrier: MetLife
  • 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 service in the benefits-eligible status   
    • 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 benefit on the Summary Plan Documents page 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 Enrollment period or due to an applicable qualifying life event
  • Cancellation: Teammates can cancel during the Annual Enrollment period or due to an applicable qualifying life event
  • Plan Highlights:
    • Rates vary based on coverage and age
    • Coverage is portable; if you lose eligibility or employment ends

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

Supplemental Life Coverage

For teammates whose spouse also works for Atrium Health, please note: our plan permits teammates and eligible dependents to only be covered once. For example: if a teammate wants to enroll their child(ren), they will need to determine which parent will carry coverage. Similarly, the teammate's spouse would not be eligible for Supplemental Spouse Life insurance coverage if they hold their own basic life insurance coverage with Atrium Health.  

Teammate
Teammates can elect up to five times their annual base salary up to a maximum of $2 Million
Newly eligible teammates have a guarantee issue of coverage and can increase their coverage by one increment each Annual 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 $200,000 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 $20,000 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 Annual Enrollment or with a qualifying life event
Spouse
Teammates can elect coverage for their spouse up to $200,000 in increments of $10,000
Children*
Teammates can elect coverage for their child(ren) up to $20,000 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 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

Dependent Back-up Care

Atrium Health provides a Dependent Back-up Care benefit through LifeCare to connect you with reliable care providers for children and elder care when you suddenly find yourself in need of backup care due to an unexpected circumstance that disrupts regular care plans. All teammates with standard 16 or more standard hours, residents, and weekender positions are eligible for this benefit.  

Registration is FREE:

Provides care to a child or dependent adult when an emergency arises or when regular care plans are disrupted.

  • Carrier: LifeCare Dependent Back-up Care
  • Eligibility: Teammates with 16 or more standard hours per week — excludes temporary and PRN teammates
  • Enrollment: Teammates may register for 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:

    • Eligible teammates may use up to 15 visits, or calendar days, per year!

    • $25 in home use (per caregiver) co-pay

    • $25 per child in center co-pay

    • Discounted care expenses
    • Access to trained caregivers
    • Up to $60 per day reimbursement for the Friends and Family care model. Registration prior to scheduling care by a friend or family member, and proof of payment to the caregiver is necessary to be eligible for the reimbursement
    • View Dependent Backup Care FAQs

* 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. Teammates are encouraged to consult a qualified tax advisor with questions regarding tax implications.

 

Identity Theft

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

  • Carrier: Allstate Identity Protection, formerly referred to as InfoArmor. Learn more.
  • 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 $3.67 $7.95
Teammate + Family $6.44  $13.95

 

Legal Insurance

Provides comprehensive legal assistance to you and your eligible dependents.

Carrier: MetLaw FAQs and Overview for more information, or call 800-821-6400

  • Eligibility: Teammates with 16 or more standard hours per week
  • Enrollment: Teammates may enroll when newly eligible or during the Annual Enrollment period
  • Cancellation: Teammates may cancel their plan during the Annual Enrollment period. 
  • Examples of Services Included:
    • Living Wills
    • Personal Bankruptcy
    • Debt Collection Defense
    • Irrevocable & Revocable Living Trusts
    • Power of Attorney
    • IRS Audit Protection/Collection Defense
    • Sale/Purchase of Home
    • Sale/Purchase of Secondary Residence
    • Refinancing Home
    • Divorce
    • Prenuptial Agreement
    • Adoption
    • Guardianship/Conservatorship
    • Name Change
    • Traffic Matters
    • Personal Document Preparation and Review
    • Criminal Misdemeanor Defense
  • Plan Highlights:
    • Individually credentialed attorney network
    • 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 $6.60 $14.30

 

Auto, Home, and Other Personal Insurances

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

  • Carrier: Farmers GroupSelectSM  | Website | 800-438-6381
  • 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 Farmers GroupSelectSM 
  • Cancellation: Teammates may cancel their plan at any time by contacting Farmers GroupSelectSM 
  • 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 | Website | 877-738-7874
  • 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

Last Updated on 04/02/2024
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