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RTI International
Open Enrollment for International Expats and
Third Country National Staff
2014
RTI International is a trade name of Research Triangle Institute.
www.rti.org
RTI International
Agenda

What’s Changing for 2014

Enrolling in Benefits

Cigna International Benefits
Visit
www.rti.org/OpenEnrollment2014
or
staffnet.rti.services/benefits/international_2014cfm
to learn more about RTI’s benefits.
RTI International
2014 Open Enrollment
November 4 – November 17
Begins: Monday, November 4
Ends: Sunday, November 17
at midnight US, EST
RTI International
2014 Open Enrollment
Each year during open enrollment you have an opportunity to enroll in new
benefits or change your benefit elections for the new year. During open
enrollment, you may change your medical/vision or dental plan options, add
or drop dependents, and US Taxpayers can enroll or reenroll in the health
care or dependent care Flexible Spending Accounts (FSAs).
Benefit elections you make during open enrollment are effective on January
1, 2014, and continue through December 31, 2014.
In this presentation, we will review what’s changing for 2014, look at the
benefits you may change during open enrollment, and review the steps you
will need to take to enroll in benefits.
We encourage you to visit the open enrollment section on RTI’s external
website at www.rti.org/OpenEnrollment2014 and on StaffNet at
http://staffnet.rti.org/services/benefits/international.cfm
RTI International
What’s Changing in 2014?
RTI International
Changes in 2014

This year, there will be no changes to employee
premiums for active staff members covered under the
medical, dental, short-term and long-term disability,
and life insurance plans.
RTI International
Changes for 2014

Effective January 1, 2014, there will be no pre-existing conditions
limitations for the medical plan, regardless of the member’s age.

During open enrollment, as part of the online enrollment process, we will
ask all participants enrolling a spouse under RTI’s benefit plans (whether
the spouse is of the same sex or opposite sex) to verify that the individual
is the participant’s lawful spouse. For this purpose, a spouse is defined as
an individual who is legally recognized as the spouse of a participant
under the laws of the state or foreign jurisdiction in which the marriage
took place and under the IRS Code. The term “spouse” includes a
domestic partner if the domestic partner is legally recognized as the
spouse of the participant as described in the previous sentence.
RTI International
Health Care Flexible Spending Accounts (FSAs)
(For US Taxpayers Only)
FSAs allows US Taxpayers to set aside a portion of your earnings, pre-tax, into reimbursement
accounts. When you request reimbursements for qualified expenses from these accounts, no taxes
are applied to the reimbursement payment. So in effect, FSAs allow you to pay for eligible expenses
with untaxed dollars.
Dependent care FSAs allow you to set aside pre-tax dollars for reimbursement of eligible dependent
care expenses (nursery care, after-school programs, and elder care). Use a health care FSA to get
reimbursed for qualified medical expenses for your spouse or child.
IRS rules stipulate that dependent care FSAs may be used to get reimbursed for qualified dependent
care expenses necessary because you (or if you are married, you and your spouse) work. Review the
rules carefully and notify us to stop your contributions if your spouse stops working during the year.
For 2014, the maximum annual employee contribution for the health care FSA is $2,500 per employee.
Annual contribution limits for dependent care FSAs are $5,000.
Per IRS regulations, if you don’t use the funds in the FSA accounts, you will lose the funds. Plan
carefully!
RTI International
Health Care Flexible Spending Accounts (FSAs)
(For US Taxpayers)
Administered by Flores & Associates

The medical FSA will remain at $2,500 per employee

The dependent care FSA will remain at $5,000

Flores & Associates Contact Information:
–
(800) 532-3327 Monday through Friday, 8:30AM to 5:00PM
Eastern Time
–
www.flores247.com
RTI International
RTI Benefits Team

Medical/Vision, Dental and Long-Term Disability Carrier
–

HR Help
–
–
–

First point of contact for claims questions
Answers enrollment and eligibility questions regarding RTI health
and welfare benefit programs
919.541.1200 or 1.800.334.8571, ext. 21200
[email protected]
RTI Benefits Team
–
–
Answers all other questions regarding RTI health and welfare
benefit programs
Advocate for staff in the resolution of issues with the insurance
carriers
RTI International
Claims Questions?

Information regarding all RTI benefit plans can be found on StaffNet:
www.staffnet.rti.org/services/benefits/international.cfm Take the time to
educate yourself by reviewing your benefits information before you begin
your claims inquiry.

For claims questions, you should contact the carriers first. (A listing of
carrier/provider contacts is also posted on StaffNet.) For medical and
dental claims questions, get a copy of your Explanation of Benefits (EOB).
Then call CIGNA International and ask them to explain why the claim was
processed and paid as it was. With the EOB in front of you, you should be
able to provide CIGNA with enough information for them to provide a
reasonable response.

If after your discussion with CIGNA you still feel your claim was not paid
correctly, please contact HR Help. HR Help staff will assist with your
concern or forward it to the correct Benefits staff.
RTI International
Resources to Assist You







CIGNA International Benefits
International Service Center*
1.800.441.2668
Direct Telephone
Number……………………………………………….001.302.797.3100
Secure Website…………………………………………………….
www.cignaenvoy.com
Toll-Free TDD Telephone Number for Hearing
Impaired*……………1.800.558.3604
Toll-Free Facsimile
Number*…………………………………………….1.800.243.6998
*If dialing international, use your country's AT&T USADirect access
number.
RTI International
Enrolling in Benefits
RTI International
Enrolling in Benefits

Make your elections online

After submitting your final elections:
–
Wait 48 hours (to allow your elections to populate into your open
enrollment summary)
–
Log back into GEMS Self Service and print your open enrollment
summary

Print a copy of the summary for your records

Your elections are effective on January 1, 2014
RTI International
Enrolling in Benefits
What Happens if I Forget to Enroll?

If you forget to make your benefit elections by the November
17, 2014, deadline, your 2013 elections will roll over
automatically, with the exception of Flexible Spending
Accounts.

Because Flexible Spending Accounts require that you enroll
each year, you will not have coverage for 2014 unless you
enroll. So if you wish to participate in these accounts, you
must make a new election during the open enrollment period.

The coverage that you elect will remain in place for the entire
2014 calendar year, unless you have a life status change.
RTI International
Important Things to Remember

Enroll in benefits no later than midnight EST on Sunday,
November 17, 2013

You can change your elections as often as you like until
midnight EST on November 17

Print and review the open enrollment summary for
accuracy (available 48 hours after you submit your
elections)

Keep copies for your records
RTI International
Reminders

Enroll online by 11:59 pm US EST, Sunday, November 17, 2013

If you are enrolling your spouse or domestic partner in
medical/vision coverage, you must access GEMS Self Service and
certify your spouse’s or domestic partner’s eligibility for other
coverage. If your spouse or domestic partner is eligible for coverage
under another group health plan, you may enroll him/her; however, a
$40 spousal surcharge per month will apply. Any employee who
enrolls a spouse/domestic partner and does not complete the
dependent certification process will incur the $40 surcharge per
month.

(For US Taxpayers) Enroll in the dependent care FSA only if you
have a qualified dependent child; use the health care FSA for
dependent medical expenses
RTI International
Reminders

Irrevocable Elections. The pre-tax benefit elections you make during
open enrollment remain in effect for the entire calendar year. You
may not change those elections unless you incur an IRS-approved
“change-in-status."

Prospective Enrollment for Change-in-Status. The IRS only permits
employers to allow retroactive coverage changes for “special
enrollment rights”—birth, adoption, or placement for adoption. All
other requested benefit changes must be prospective; the earliest
effective date is the day after your completed election change form
is received by HR Help.
RTI International
Questions?
Call HR Help
Interoffice mail
ext. 21200 (919.541.1200), or
1.800.334.8571, ext. 21200
HR Help
Building 1, RTP
E-mail
External mail
[email protected]
RTI International
Human Resources Help Desk
3040 East Cornwallis Road, Building 1
Research Triangle Park, NC 27709-2194