ENROLLMENT http://icubabenefits.org How do I enroll into my benefit plans? Benefit Enrollment elections are made on-line. Enrollment instructions can be found find on the OHR Website: http://www.nova.edu/hr/benefits/index.html. You will see a box that says Benefits Information, click on Benefits Overview Presentation and look for the document section called “How to Enroll”. Then, go to the ICUBA website which can be found by following this link: icubabenefits.org and log in. The company key is “ICUBA”. Where do I find information about the benefit plans? You will find information on the OHR Website: http://www.nova.edu/hr/benefits/index.html, you will see a box that says Benefits Information, click on Benefits Overview Presentation and you will find all of the benefit information that you need to make your benefit elections. Who is an eligible dependent? Eligible dependents include spouse, domestic partner, unmarried child up to the age of 26, disabled adult children who are your IRS tax dependent, a step-child for whom you provide support and who resides with you, or a child for whom you have legal guardianship. If I decide not to enroll now, will I be able to add coverage back on in the future? Yes, you will be able to add coverage for yourself and your dependents during Open Enrollment next year. I know I missed my enrollment period, but why can’t I enroll now? At NSU employee benefit premiums made pre-tax through an IRS Code Section 125 plan. The 125 plan rules allow employees to enroll 1) during their initial enrollment period or 2) during the annual open enrollment period. There are very limited exceptions for making coverage changes outside of these enrollment windows but you can make a change when you experience a qualifying event. A Qualifying Event occurs when you gain or loose a dependent (marriage, birth, divorce) or when a dependent looses or gains coverage (they get a new job with medical coverage, loose a job with medical coverage or loose coverage through a state funded program such as Kids Care) So, if you have experienced a Qualifying Event, go to ICUBAbenefits.org within 31 days of the event and make your change; this change will be placed into a pending status. Then provide proof of the Qualifying Event (marriage license, a birth certificate, adoption papers, etc…) by emailing a copy of the document(s) to HR4U@nova.edu. Once we review and verify your documents, we can approve and submit your change. Why can’t I change my benefit elections during the plan year? The IRS Code Section 125 plan rules allow employees to make benefit premium contributions on a pre-tax basis. However, in order to do this, employers are required by the IRS rules to allow employees to enter the benefit plans during their initial enrollment period (the first 31 days of employment) and/or during the annual Open Enrollment period. The rules aren’t University rules, they are IRS rules and the consequences for not complying with the rules are onerous. Failure to comply means our Section 125 plan could be disqualified and employees would no longer be allowed to make premium contributions on a pre-tax basis. When can I make a change to my benefit election during the plan year? IRS Code Section 125 plan rules do allow for changes to be made in outside of the enrollment period when an employee experiences a Qualifying Event. A Qualifying Event would include life changes such as the addition or loss of a dependent (through birth, placement for adoption/foster care, marriage, divorce or death) or a change in the work schedule of an employee or dependent that results in a loss/gain of benefit coverage. So, if you have experienced a Qualifying Event, go to ICUBAbenefits.org within 31 days of the event and make your change; this change will be placed into a pending status. Then provide proof of the Qualifying Event (marriage license, a birth certificate, adoption papers, etc…) by emailing a copy of the document(s) to HR4U@nova.edu. Once we review and verify your documents, we can approve and submit your change. How can I make a Qualifying Event coverage Change? Go to ICUBAbenefits.org within 31 days of the event and make your change; this change will be placed into a pending status. Then provide proof of the Qualifying Event (marriage license, a birth certificate, adoption papers, etc…) by emailing a copy of the document(s) to HR4U@nova.edu. Once we review and verify your documents, we can approve and submit your change. COBRA Who can I speak to about COBRA questions? Please contact ICUBA at 1-877-547-6257 COBRA Administration PO Box 1517 Des Moines, IA 50305 Overnight mail: COBRA Administration 1025 Ashworth Rd. Ste. 403 West Des Moines, IA 50265 MEDICAL / Blue Cross Blue Shield of Florida www.bcbsfl.com 800-664-5295 How can I find a BCBS doctor? 1. You can search for a physician on line by clicking the following link: http://myportal.bcbsflcom/wps/portal/opd. Once you get to the portal select the tab, “provider directory”. 2. Select your plan network, a) PPO 70 and PPO Risk and Reward are in the network called “BlueOptions(Network Blue). b) Select network BlueChoice (PPO) when you search for doctors out of state. 3. 4. 5. 6. Then Select your Region, Click on Create Directory (PDF) Download Directory Once you save the directory you can do a quick search by typing “Control, F”. Are the doctors practicing in the NSU Clinics in the BCBS network? All of our doctors who practice in the Health Clinics are in-network providers for all plans. I enrolled but have not received my BlueCross/Blue Shield of Florida plan identification card. What do I need to do to obtain one? Call member services at 1-800-664-5295 if you need to request another card. I don’t have an ID card yet, how do I pay for Dr.’s office visits? If you need to see a doctor now, you can pay for the service and submit a paper claim for reimbursement. How do I file a paper claim? Go to the BSBS FL website: http://www.bcbsfl.com/. Click on Member Forms, print out a claim form, complete it and sent it to: Blue Cross And Blue Shield Of Florida, Inc. P.O. Box 1798 - 532 Riverside Avenue Jacksonville, Florida 32231-0014 Health Risk Assessment How do I take the Health Risk Assessment to get my $25 incentive? Before you start have the following items ready: Your BCBSFL contract/member number [found on your insurance card] Your biometric screening results if you have them [i.e., blood pressure, cholesterol, and glucose/blood sugar] A computer with internet access, a connected printer and Adobe Acrobat Reader 4.0 [or greater] Follow link to BCBSFL website http://www.bcbsfl.com This will open to the BCBSFL portal Log in If you never logged in before, set up a new ID and password ____________________________________________________________________ Select the Living Healthy tab Select Personal Health Assessment If you get the message below about pop up blockers just click on the first link as shown below ************ This screen below will appear Click on Take Personal Health Assessment now indicated by the arrow Proceed to the end of the assessment. It takes 15-20 minutes. You are eligible to receive the $25.00 HRA credit once per year however you can repeat the assessment as often as you like. What is a Pre-Existing Condition and why does it matter to me? Most insurance companies, including Blue Cross/Blue Shield, have a preexisting condition clause. If you or a family member have been without coverage for the 12 months leading up to your enrollment or experienced a break in coverage of greater than 63 days, then the clause will exclude coverage for pre-existing conditions for 12 months. If you or a family member had continuous coverage during the 12 months before enrolling, then you will receive credit for this previous coverage, you will need to provide a certificate of prior coverage from the previous insurance provider. If there was coverage for a portion of the 12 months, credit will be given for that covered period - a certificate would also be needed. How do I obtain a Certificate of Group Health Plan Coverage? Call your prior carrier; they will forward this certificate to you. You will then need to forward the certificate to Blue Cross Blue Shield at 904-475-7379, mark the cover page -- Attn: EM&B ICUBA along with your contact information in case there are questions about your form. Where do I send my Certificate of Group Health Plan Coverage? 904-475-7379, mark the cover page --- Attn: EM&B ICUBA along with your contact information in case there are questions about your form. How can I obtain a Certificate of Group Health Coverage from BCBS? You can request a certificate from BlueCross BlueShield that lists the date your coverage was effective, to do so please call 1-800-664-5295. BEHAVIORAL HEALTH AND EMPLOYEE ASSISTANCE PROGRAM / MHNet http://www.mhnet.com 1-877-398-5816 How do I find a MHNet provider? Go to the website at http://www.mhnet.com Click on “Members “ Click on “Find Provider” link Fill in User Name: ICUBA And password: 8773985816 Check “I agree” box Fill in the provider information and Search INTERNATIONAL TRAVEL I am planning to travel out of the country, what coverage do I have? Employees covered by the university medical policy and who are traveling internationally should identify in-network providers and facilities according to their itinerary in advance of their trip and keep the list with them during their travels. Follow this link to search: http://www.bcbs.com/coverage/bluecard/bluecard-worldwide.html The university life and disability carrier provides employees accidental death and dismemberment coverage equal to $350,000 or the basic annual earnings, which ever is less. Travel assistance is also available through this policy that that provides medical evacuation services, and other emergency services detailed in this brochure: http://www.nova.edu/hr/benefits/travel-assistance.html PRESCRIPTION DRUG / Walgreens Health Initiatives (WHI) www.mywhi.com 800-207-2568 I need to fill a prescription and do not have my WHI ID card, what should I do? 1. You can print a temporary ID card and take the temporary ID card with you to your pharmacist. You can get a temporary card on the WHI website at www.mywhi.com. Or you can go to ICUBA site at icubabenefits.org click on reference center, then open ICUBA Employee Benefit News and Information where you will find: ICUBA Employee Benefit News and Information Walgreen's Temporary ID Card Prior to receiving your pharmacy ID card you may present the attached temporary ID card to your local pharmacist. If you have questions or need to locate a nearby participating pharmacy, please contact the WHI Customer Care Center at 1-800-2072568. 2. Give your pharmacist the following information which will assist them in locating you in the WHI system: Rxbin # 603286 RxPCN# 01410000 RX GRP 3 516458 THE SUBSCRIBERS SSN 3. Member services, 1-800-207-2568, can also assist you by requesting new ID cards and verifying eligibility. Where can I find information about the Preferred Medications List? Go to icubabenefits.org go to the reference center to ICUBA Employee Benefit News and Information and click on: Walgreen's Prescription Drug Information 90-Day Prescription Advantage Online Preferred Medical Listing You may log in to mywhi.com using this link. You find many communication materials available including an on line copy of the Preferred Medical Listing (PML). Preferred Medical List - Alpha Order Preferred Medical List - Category Order Preferred Medical List – January 2012 Prescription Drug Claim Reimbursement Form Prescription Drug Mail Service Specialty Pharmacy Information What is this other Walgreen’s card I received? Walgreen’s discount cards are reward cards provided to participants in the prescription drug coverage automatically. It can be used by swiping your Walgreens Discount Card® and you receive a 5% cash reward for each purchase of a Walgreens Brand Product at a Walgreens retail store or online at www.walgreens.com . 5% of the pre-tax cost is instantly credited to your Walgreens Discount Card® for use on future eligible purchases. To receive your 5% cash reward on your next purchase, swipe your Walgreens Discount Card® and the cash value on your Walgreens Discount Card® will instantly be deducted from the cost of your purchase. I never received a Walgreen’s discount card. Walgreen’s discount card replacements can be requested by calling 866-WCARD-12 (866-922-7312). Balances can also be checked by calling this customer service number. The last time I tried to use the Walgreen’s discount card, I had difficulty at checkout. Please follow these steps to ensure the cashier rings you out correctly. Cashier Instructions: Use this procedure to tender a sale when the Walgreens Card is used as tender. The same steps should be used for earning and redeeming rebates on the Walgreens Card. 1. Scan all items in the sale and press Total. 2. Press the Credit Card key. 3. Press option 5=WCARD and press Enter. 4. Swipe the card through the register's card reader. 5. Give the customer the receipt. The customer receipt prints with the card's remaining balance. Note: Customers can also swipe their card at the pinpad any time before payment to earn/redeem the rebate. Upon swiping the card at the time of tender, the register will automatically deduct any existing dollars on the rebate card and apply it towards the customer's purchase. At the same time, any rebates earned on the same purchase will be loaded onto the card. The rebates are earned on Walgreens brand purchases and put onto the card balance for the next purchase. The balance can be used towards any thing, Walgreens brand or not. Concerns about cost of a drug that is now on a more expensive tier Our RX plan is designed to save the plan money (this will help offset future premium increases). So if there are generic alternatives to a drug, the drug will move to the top tier. I suggest you send your physician a copy of the formulary to see if there are any drugs which you can use at a lower copayment. I believe there are even asthma medications on the $5.00 copayment tier. If there is not another drug option, then we suggest you refill using the mail order program, where you can get a 90 day supply for only two copayments. You can also order a 90 day supply at retail, but mail order is less expensive. DENTAL / Humana Dental www.humanadental.com DHMO Dental Plan 800-979-4760 PPO Dental Plans 800-233-4013 How do I find a dentist? Here is a link to the website: http://www.humanadental.com. Click on Find a Dentist, enter your zip code, and select the HD DHMO/Prepaid 250 (if you want the dental HMO) or the PPO/Traditional Preferred (if you want a PPO plan). Enter an address or select search by state and county, agree to the Terms of Use and click Go. Enter Search Criteria or Specific Dentist name and click search. Find your dentist and enter the ID number when you enroll. If you decide to select a PPO plan, you won’t need an ID number. Humana Traditional Preferred Plans (PPO Low/High) Services for orthodontic treatment received prior to your effective date, or prior to exhaustion of the orthodontic waiting period, are not covered services. Benefits are available only for the portion of the treatment after: 1. Your effective date under this plan; and 2. Exhaustion of any orthodontic waiting period. Benefits will be prorated to account for the portion of treatment completed prior to orthodontic eligibility. Additionally, if you had orthodontic coverage under your prior dental plan, any benefits paid by your prior plan, will be applied to the Orthodontic Lifetime Maximum Benefit of this plan. Humana DHMO enrollees will be provided an "Ortho Treatment in Progress Form" by Humana. The form will need to be completed by the orthodontist. The member is still responsible for applicable plan co-pays, etc. according to the contract at the time of banding. An OTPF will be provided to our office for distribution soon and also found on the ICUBA website for employees to access. How many cleanings per year are covered? The DHMO CS250 plan includes routine cleanings once every 6 months at no additional charge. The PPO Traditional Preferred Plans includes two cleanings per plan year. NOTE: All other limitations are detailed in the Humana dental booklets referenced online at NSU Benefits website and again in the ICUBA website. If additional questions, contact Humana customer service 800-207-4760. I need to see the dentist and I don’t have an ID card/ I need another dental ID card It takes 7 to 10 days to produce a card from the day Humana received your information. You can print a temporary card from the website, www.humanadental.com or call Humana Dental customer service, 800-207-4760, to order a new card. I am enrolled in the Dental PPO plan, is there a waiting period before I can access services? For initial and timely add-ons, there is a 12-month waiting period for major services and orthodontics, if applicable, and no waiting periods for preventive or basic services. However, waiting periods can be waived if the member is replacing existing coverage that has been in place for a minimum of 12 consecutive months. For late applicants, there is a 12-month waiting period for basic, major and orthodontics, if applicable, and no waiting period for preventive services. How can I file a dental claim? You can obtain a claim form from the Humana website, www.humanadental.com , complete the form, attach the dental invoice and mail it to the address on the form. Is the NSU faculty practice in the Humana Dental Network? Yes, the faculty practice is participating in both of the Traditional PPO Plans. They will not be providing services in the DHMO plan. Vision / Advantica Eyecare www.advanticaeyecare.com 866-425-2323 Will I receive an ID card? Yes, two cards are sent out to every member’s home. How can I contact Customer Service? Call 866-425-2323 between 8:30 – 6 Mon – Fri and from 10-4 on Saturday, use the ID Code, ICUBA08 I need to see the optometrist and I don’t have a card what should I do? Call customer service in order to get ID number / Temporary Card, 866-425-2323. Advantica’s Customer Service Department is available from 8:30 am to 6:00 pm eastern time Monday through Friday and from 10:00 am to 4:00 pm on Saturdays. Independent doctors also have the ability to check member eligibility and claim status via our website at anytime. In addition, our Integrated Voice Response (IVR) system gives all of our providers and members the ability to check benefit information and eligibility 24 hours a day, 365 days a year. Prior authorization is another option for a provider seeking eligibility verification after hours or on Sunday. How can I find a participating provider? Search the website, www.advanticaeyecare.com or call 866-425-2323. How can I file a vision claim? Submit the claim with a reimbursement request form to Advantica. The form and instructions can be found on the website www.advanticaeyecare.com. How can I get another ID card? Email info@advanticaeyecare.com , request the card through the FAQ’s section on the website, www.advanticaeyecare.com , or call 866-425-2323. HCFSA/ DCFSA/HRA /ICUBA Benefits Mastercard http://icubabenefits.org 866-377-5102 I need a new ICUBA card To request a new card, email benefitsadministration@icuba.org What is the Plan Year for Medical and Dependent Care Flexible Spending Accounts? The plan year for the Medical Care Flexible Spending Account and Dependent Care Flexible Spending Account runs from April 1, to March 31. For the Medical Care Flexible Spending Account you can incur claims until June 15th and can file them until June 30th. For the Dependent Care Flexible Spending Account claims must be incurred by March 31st and can be filed until June 30th. How do I file a claim for my FSA or HRA? Forms can be obtained on-line at icubabenefits.org. Click on ICUBA Employee benefit News and Information, FSA and HRA Reimbursement Form. Where can I find information about my account balance, charges and how to order another ICUBA card? Log into icubabenefits.org. Once you are logged in, on the right of the page you will see the heading, “Metavante – Benefit Payment Services, to access your ICUBA Benefits Card account on-line click HERE!” Click and you will access your account information and find forms. Pension www.nova.edu/nsuretirementmanager What does employer basic contribution and employer matching contribution mean? Employees may elect to contribute from 1% to 4% to the matching plan upon completing one year of service and are immediately 100% vested. The employer basic contribution is 2% of your salary. You do not need to make any contribution to receive the 2% and you are 100% vested in the 2% after 3 years. The employer Safe Harbor matching contribution will match your election contribution and you are immediately 100% vested The employer matching contribution requires you to make a contribution first and then the university will match your contribution. So if you contribute 1% the university will make a matching contribution of 1%, with the 2% basic contribution, the 1% Safe Harbor matching contribution, and the employer matching contribution, the total employer contribution is 4%. 401(k) Contribution Levels NSU 401(k) Retirement Savings Plan Contributions after one year of service Employer Basic Employer Safe Harbor Matching Employer Matching Employer Total Employer & Employee Total 0% 2% 0% 0% 2% 2% 1% 2% 1% 1% 4% 5% 2% 2% 2% 2% 6% 8% 3% 2% 3% 3% 8% 11% 4% 2% 4% 4% 10% 14% 100% Vested Immediately 3 yr Vesting 100% Vested Immediately 3 yr Vesting Employee Enroll and make changes to the NSU Retirement accounts by visiting https://www.myretirementmanager.com Retirement Manager All enrollments and changes to the pension plan contributions are made by the participant on the NSU retirement website, Retirement Manager. Follow this link to see an overview of the process, http://www.nova.edu/hr/benefits/retirement-plans.html .The instructions are very complete and we strongly recommend that you review them. Then follow this link to the actual Retirement Manager website, https://www.myretirementmanager.com/?nsu. Your election will automatically be uploaded into the payroll system. The payroll system will end your payroll deductions when you reach the IRS annual limit, so you don't need to be too precise when you make your % election. How can I estimate what percent of my salary to put into my retirement account? This link will direct you to a java calculator that will help you: http://www.onlineconversion.com/percentcalc.htm Where can I find plan rules for the Retirement plans? The NSU 401(K) plan rules are found in the Plan Document on the NSU Retirement Manager Website https://www.myretirementmanager.com/?nsu. Retirement Manager log-in instructions can be found at: http://www.nova.edu/hr/benefits/retirement-plans.html.Once you are logged into the site you can click on Enroll/Make Changes, and the plan you want to see. The first paragraph contains a link that says, for more information click here. This link will take you to the plan document. I need my loan immediately; can you please sign it and get it back to me immediately? Thank you for your email. Before we can sign our authorization to a loan document, we are required to perform due diligence to determine if participants have an outstanding loan from the matching plan (only one outstanding loan is permitted from the matching plan) and to ensure any outstanding loan balances a participant may have (at TIAA CREF and/or VALIC) do not exceed $50,000. The process isn’t always quick and can sometimes take a couple of days. Why won’t you authorize my loan? We are required to do a bit of due diligence before we can sign my authorization to a loan application. We must ensure that participant loans do not exceed the IRS limits and we also must ensure that participants have only one loan outstanding from the Matching Plan. I do this by emailing our vendors which can take a little time, so thank you for your patience. The response I received from TIAA CREF/VALIC was that you already have an outstanding loan from the Matching Plan. Because this is so, I am unable to sign my authorization for this loan application. Please let me know if you have any questions. How does an employee enroll into TIAA CREF/ VALIC Employees may go on-line at TIAA CREF: http://www.tiaa-cref.org/nsu/index.html or call the participant services line, 1-877-518-9161. They can make an appointment to meet with an on-sight representative by calling Sharon Mohan at 561- 338-0785 or Richard Chandres at 561-393-1308 Employees may go on-line at VALIC: http:// www.my.valic.com/online or call the client care services line, 1-800-448-2542. They can make an appointment to meet with an onsight representative by call Tammy Kotaska at 954-494-0314 or Steve Proffitt at 954-6846306. What do I need to know about taking a hardship distribution from my account? Before you are allowed a hardship withdrawal from your 401 (k) account you first required to take a loan to satisfy your need. If you have already taken a loan, then a hardship distribution can be made for the following reasons: 1) To pay for medical expenses (that are tax deductible) incurred by the employee, spouse or dependents 2) For the employee to purchase a principle residence 3) To make payment for the next 12 months of post-secondary tuition and related educational fees, including books for the employee, spouse or dependents 4) To preventing evection from the employee’s principal residence or foreclosure of a mortgage of a principal residence 5) To make payment for burial or funeral expenses for the employees parent, spouse, child or dependent 6) To pay for an expense incurred as a result of a certain casualty damage to the employees principle residence Please request the hardship form from TIAA CREF, 1-800 -842-2252 or VALIC, (800) 448-2542. The hardship request must be made to “meet the financial burden of the hardship”, so please submit paperwork to support the dollar amount of your withdrawal request with the vendor form for our signature. Retiree Medical Coverage / ICUBA What are Eligibility Requirements for Retiree Benefits? To be eligible for Retiree Benefits an employee must be a participant of the plan during the three month period immediately prior to retirement, must be actively at work on the day prior to retirement, and must be at least 55 years of age with 10 years of service or be at least 60 years of age with at least 5 years of service. Retiree coverage is expensive, why would someone want to elect this coverage? We offer both the The ICUBA plan and the Monumental to give some options because of the cost issue. The ICUBA over 65 rates are expensive because they are self insured rates that are actuarially determined and reflect the cost of covering this population. The ICUBA Plans are not a supplemental plan although they do coordinate with Medicare and will pay as if someone is enrolled in Part A & B (even if they are not). The Monumental Plan is a true supplement and does require that the member enroll in Medicare. It is a fully insured product that is rated competitively. Obviously the reasons people decide to enroll into one of the plans are as varied as our retirees are. Some retirees like the ICUBA plans and want to keep them; others have dependents that still need coverage. Both the ICUBA plan and the Monumental plan also provide good drug coverage which means a retiree who may have high RX expenses will not need to deal with the Medicare Part D doughnut hole. The choices are good, but we don’t offer the cheapest option. Fortunately in South Florida we have many, many competetive Medicare Supplemental plans to choose from, so take a look at all of your options before you decide. EMPLOYEE DISCOUNT PROGRAM/Abenity http://www.abenity.com/nova How do I join the university discount program? Nova Southeastern University provides employees with an elite collection of local and national discounts from thousands of hotels, restaurants, movie theaters, retailers, florists, car dealers, theme parks, national attractions, concerts, and events through Abenity. Abenity offers access to over 60,000 discounts and more than $2,000 in annual savings from vendors including Costco, Sprint, Firestone, DirecTV, T-Mobile, Dell, Target.com, AT&T Wireless, PODS, LifeLock, Verizon Wireless, Overstock.com, Brooks Brothers, and Philips Consumer Electronics. Offers are also available from over 150 national attractions and theme parks including the Walt Disney World® Resort, Universal Studios®, SeaWorld, Cirque du Soleil, and Six Flags! Discount offers are redeemable in-store through printable and mobile coupons, online, and over the phone. Login & registration Go to http://www.abenity.com/nova to register and login. Offers are added and updated weekly. Program tips 1) Learn how to get the most out of your discount program by watching the Welcome Video, http://www.abenity.com/video/welcome 2) Subscribe to the Tuesday Feature to receive an email featuring a new discount each week, http://www.abenity.com/join/tf 3) If you have forgotten your username or password or need assistance, visit http://www.abenity.com/supportJoin. I am an established campus vendor/new vendor, how can we provide a discount program through the university discount program? University affiliated vendors are not required to pay the annual Abenity fee (this runs about $600.00 a year). Registeration can be made at this link: http://www.abenity.com/nova/vendorregistration There is a separate registration site for non-university affiliated vendors who are cold calling with offers; they are also required to pay an annual fee. Registration for these vendors can be made at this link: abenity.com/vendor/register OPTIONAL LIFE INSURANCE / SUN LIFE How do I Enroll into Optional Life Insurance? Go to the NSU enrollment site at Businessolver, http://icubabenefits.org Once you’ve logged into http://icubabenefits.org , you will need to click the button to the right hand side of the screen titled “Change my Benefits”. A drop down menu will be available and you’ll want to select “Optional Life Enrollment – Nova”. I’ve included screens shots below to assist you with navigating the website. If you have any questions or concerns once logged in, please don’t hesitate to call me at extension 27872 and I’ll be happy to walk you through the process. When do I need to complete an Evidence of Insurability Application? If you haven’t previously elected Optional Life Insurance or if you are increasing the amount of your Optional Life Insurance coverage you are required to submit an Evidence of Insurability Application. How do I complete an Evidence of Insurability Application? Please follow these steps: 1. Gather your information beforehand a. Your group policy number is 63824 b. Determine the amount of coverage you are requesting or the amount of your coverage increase c. Height d. Weight e. Your recent medical history 2. Go to https://www.sunlife-usa.net/eoi/ 3. 4. 5. 6. 7. 8. 9. Enter Group Policy Number and your Social Security Number Select Employee (Self) Click Continue Next to your name, select Start Complete Applicant Information Under Coverage Information item 1, select Yes Under Coverage Information item 2, select Optional Life and enter the existing amount of your coverage (if you already have coverage); enter requested amount 10. Complete Health History 11. Complete Activities, click Continue 12. Review your information 13. Sign your application electronically 14. Submit your application to Sun Life Where can I find information about travel benefits? The travel benefits can be found here: http://www.nova.edu/hr/benefits/travel-assistance.html Scroll down to: Travel Assistance BlueCross BlueShield Doctor and Hospital Finder Travel Assistance Compliments of Sun Life