115 Sixth Street NW, Suite E
Cass Lake, MN 56633

Joy Lawrence, Benefits Manager
(218) 335-3613

***OPEN ENROLLMENT***

Changes to your medical and/or dental policies can be made during the month of December 2009 and will become effective January 1, 2010.

Medical & Dental Coverage Change Forms can be picked up at the Facility Center Human Resources Dept. Benefits Office.  If you will be declining coverage, a HIPAA form will also need to be signed.

Remember changes to your policies can only be made during “open enrollment” or throughout the year with a “qualifying event”.  A summary of the qualifying events can be found in the Leech Lake Band of Ojibwe – Premium Only Plan Summary document.  This can be located on the Acordia Benefits website at www.BenefitsSpace.com then enter User ID:  LLBORTC and Password:  LLBO

***NOTICE***

The Leech Lake Band of Ojibwe (LLBO) Is requesting proposals from qualified firms to provide strategic direction, price analysis, cost-containment, and competitive employee benefit plans for LLBO’s medical, dental, life, supplemental life, disability, voluntary and wellness programs.
The intent of this RFP is to award a contract to the responsible bidder whose bid proposal, conforming to this RFP, is most advantageous to the LLBO Price and other Factors considered. Proposals due no later than 2:oo pm CST, November 13, 2009

To request RFP Packet #10-00026 for Employee Benefit Services, Consultant/Broker please contact: Darold Madigan, Purchasing Manager-LLBO at 218-335-3608 or email daroldm@llbo.org

Questions about Benefits?

1. Go to: www.myaccordiabenefits.com
2. Input your User ID: LLBORTC
   Input your Password: LLBO
3. Hit "Enter" to view your benfit package

COMMON BENEFITS QUESTIONS

1. What are the qualifying events for changing my insurance coverage? 
   
   Change in Status (see pages 5-6 of the Summary Plan Description for a complete list) such as (not all are listed);

1. Spouse/dependent’s lose their benefits
2. Divorce, separation, child support order
3. Death
4. Childbirth, adoption, stepchildren
5. Marriage
6. Spouse/dependent becomes eligible for Medicare/Medicaid
   
   A LL OF THESE ARE SUBJECT TO THE 31 DAYS PERIOD OR EMPLOYEE MAY BE SUBJECT TO “OPEN ENROLLMENT” RULES.

2. What does level of coverage mean? 
   
   If you have Single coverage, you can ONLY Change in Status within the 31 days of the qualifying event.  If you wait beyond the 31 days-even if it is a “qualifying event”-you will have to wait for open enrollment, December 1-31 to be effective January 1.
   
   If you have Family coverage, you can make change (except going to Single coverage) after the 31 day period, but changes will be effective the month following receipt of the Change Form (example: newborn coverage not going back to DOB)

3. What if I have Single medical/dental and I have a baby, is the baby automatically covered on my insurance? 
   
   NO, you must complete a change form for medical/dental to cover your baby.  We cannot make any changes to your policy without your written permission. 

4. How does “open enrollment” affect newborns? 
   
   If you do not add the baby within 31 days from birth—you may not be able to add baby until December 1-31 for coverage effective January 1.  Reasons are as follows:
   
   **Adding baby within 31 days, baby is covered from date of birth. You can go from SINGLE to FAMILY within the 31 days from qualifying event. 
   
   **If you wait beyond 31 days you will be able to add baby effect the 1st of following month ONLY if you already have FAMILY COVERAGE!!!
   
   **If you currently have SINGLE COVERAGE and you do not add baby within the 31 days from birth—you will not be eligible to add baby until “open enrollment” December 1-31 to be effect January 1.
   
   **If you do not have any coverage and have a baby, you can get FAMILY coverage within 31 days.

5. What if I have Single coverage and I get married, but forget to complete a Change Form until 2 months after the wedding, can I add my new spouse? 
   
   Not until December 1-31 to be effective January 1.  Be sure and turn in a Change Form in December!! No Single to Family unless within the 31 day qualifying event period.
   
   **If you do not have any coverage and you get married, you have 31 days to apply for FAMILY coverage.

6. Can I get a benefits manual?
   
   You can view the CCStpa benefits manual online at www.myacordiabenefits.com 
   
   Input your User ID:  LLBORTC 
   Password:  LLBO 
   then hit “Enter”. 
   Please refer to this for accurate information.

7. What date does my insurance stop if I term out?
   
   We (LLBO) covers the employee through the rest of the month at full cost. i.e.;  If an EE terms out on January 3, LLG continues to pay CCStpa until January 31.  If you, as the manager, know you are going to terminate someone’s employment on the 28th of the month, please complete the paperwork and term them so as not to cause this extra expense to the company.