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Benefit Information

Lourdes Health System (LHS) offers a comprehensive benefits package that reflects our commitment to our associates and the contributions they make to our mission of serving all with reverence, compassion, and integrity in a simple, joyful and hospitable manner.  Associates budgeted to work 20 or more hours per week are eligible for benefits.  Benefits begin the first of the month following hire date or status change date to a benefit-eligible position; unless hire date or status change date is first of the month, then they begin the first of the month (with the exception of Long-Term Disability which begins the first of the month following 90 days of hire or status change date).

Have a question about your benefits?  Call the Lourdes Benefits Center at 855-Ben-YES1 (855-236-9371) or email at BenYes1@lourdesnet.org.

2014 Lourdes Benefit Guide

2014 Newly Eligible Benefits Guide

2014 LHS Benefits Summary

2014 LMA Benefits Summary

2014 Associates Benefits Contact List

2014 Benefit Information

Health Benefit Information
LHS offers a Consumer Driven Health Plan (CDHP), through Aetna.  It offers a Health Reimbursement Account (HRA), which is designed to help you pay for your covered medical expenses and work toward meeting your deductible. Associate Contributions vary by a number of factors such as the number of family members you cover, whether you are full or part time, and your rate of pay.

2014 Health Plan Summary

2014 Health Plan Contributions and HRA Fund Amounts

2014 Aetna Tools & Programs for Lourdes Associates

2014 Aetna Medical Claim Form

2014 Aetna Preventive Care Service Recommendations

2014 Aetna Personal Health Record

2014 Aetna Health Risk Assessment Information

2014 Aetna Hearing Discount Flyer

2014 Aetna Beginning Right Maternity Program

2014 Aetna Healthy Lifestyle Coaching

2014 Aetna Discount Program

Vision Care                                                                                                                                                                                           Vision care coverage is included when you sign up for health benefits. The plan covers one routine (preventive) vision exam, per member, every 24 months at 100% – when you go to the eye doctor, present them with your Aetna medical ID card, and kindly ask them to send the claim to Aetna for processing.  You are also eligible for discounts through the Aetna Vision Discount Program – call them at 800-793-7616 for details of where you can go for discounted services.

There is a $100.00 reimbursement benefit (once every 24 months, per member), for a combination of eyeglass frames, lenses and contacts (see the Vision Claim form below for details).

Corrective lenses for pediatrics (ages 18 and under) are covered at 100% (once every 24 months).  To take advantage of this benefit, pay for your child’s corrective lenses and submit the Aetna Vision Claim form for reimbursement.  Please note: this does not include the cost of frames, just the corrective lenses.

2014 Aetna Vision Claim Form

2014 Aetna Vision Discounts

Dental Plan Information
LHS offers two dental plans, The Premier and the Basic plans, both with Cigna. LHS and the associates share the cost of the plan.

2014 Dental Plan Comparison and Contributions

2014 Basic Dental Plan Summary

2014 Premier Dental Plan Summary

Prescription Benefits
Prescription drug coverage, administered by Caremark, is included when you enroll in the Lourdes Plan.

2014 CVS Caremark Prescription Drug Plan Information

2014 CVS Caremark Rx Plan Summary

2014 CVS Caremark Rx Reimbursement Claim Form

2014 CVS Caremark – Using Retail Pharmacy Information

2014 CVS Caremark Mail Order Brochure

CVS Caremark July 2014 Performance Drug List

Fitness Club Reimbursement
Benefit-eligible full-time and part-time associates (enrolled in the Lourdes Health Plan) who have completed 90 days of employment, or one of their covered dependents (at least 18 years of age or older), may request a one-time reimbursement up to $300.00 within the benefit plan year (1-1-2014 through 12-31-2014) for eligible reimbursable fitness items / fees that may lead to measurable health improvements. Only one reimbursement per family will be issued each benefit plan year.  See form below for details.

2014 Fitness Center Reimbursement Form

Flexible Spending Accounts (FSA)
Flexible Spending Accounts (FSAs) allow associates to put aside money on a pre-tax basis each pay period to cover costs you pay out of your pocket for: a) eligible healthcare expenses (coinsurance for medical and dental expenses and copayments for prescriptions); and/or b) dependent (daycare) child-care expenses.

WageWorks Health Care FSA Claim Form

WageWorks Dependent Care FSA Claim Form

WageWorks Health Care FSA – Eligible Dependents

WageWorks – Orthodontia Payment Guidelines (FSA)

WageWorks – Over-the-Counter Drugs and Medicines Fact Sheet

WageWorks – 2014 Employee Guide

Life Insurance
The LHS Core Life Insurance Program provides coverage equal to one times your base salary and is completely company paid. You may purchase supplemental life insurance for yourself, your spouse, and/or your children through payroll deductions. If you enroll when you are first eligible, you may obtain specified amounts of coverage without answering qualifying medical questions.  Administered by Prudential.

2014 Life Insurance and AD&D Summary

Prudential Evidence of Insurability (EOI) Form 2014

Paid Personal Leave (PPL)
Most staff level associates accrue PPL each pay period. PPL is used for vacations, holidays, short-term illnesses or personal reasons. There is a three-month waiting period before you can use PPL time. The amount of PPL time you earn each pay is based upon your position and length of service. (Not applicable to some leadership positions.)

Extended Sick Leave (ESL)
Most staff level associates budgeted a minimum of 35 hours per week accrue one weeks of ESL per year. You may use ESL for your own illness/injury after you are absent for one week. (Not applicable to some leadership positions.)

Family and Medical Leaves
Our leave programs enable our associates to take time off for their own serious medical condition or to care for a family member. Associates should discuss their need for a leave of absence with their manager so the appropriate steps may be completed.

Family Leave Insurance (NJ FLI)
New Jersey Law provides up to six (6) weeks of Family Leave Insurance benefits. Benefits are payable to covered employees from either the New Jersey State Plan or an approved employer-provided private plan to bond with a child or to care for a family member with a serious health condition. For more information please go to www.nj.gov/labor.

Short-Term Disability(STD)
Associates who are disabled due to a non-work related illness or injury, may collect a weekly State benefit. The benefit pays a specified maximum for a period of up to 26 weeks. You must qualify under the terms of the State plan. Go to www.lwd.state.nj.us/labor/tdi for more information.

Long-Term Disability (LTD)
If you remain disabled due to a non-work related illness/injury for more than 26 weeks, you may be eligible to collect 50% of your base salary through the LTD plan. LHS pays the full cost of the base LTD plan. You may increase coverage to 60% at your cost.

Retirement
The LHS Retirement Plan is a 403(b) tax deferred savings plan with an employer match which gives you the opportunity to save for retirement on a pre-tax basis. Associates are eligible to join the plan immediately upon employment.

The plan uses financial products and customer services of Lincoln Financial and offers a number of high quality investment vehicles. You may select Lincoln or non-Lincoln funds in which to invest your contributions.

After one year of credited service, LHS makes a contribution equal to 2% of your pay if you work 1,000 hours in the calendar year. LHS will contribute this amount even if you do not make contributions. LHS also matches $0.50 for every dollar you contribute, up to 4% of pay. You are 100% vested in your own contributions and vest in the LHS contributions after working 1,000 hours per year for three years.

Lincoln Financial provides associate services for the plan, including a web site with personal account information and helpful retirement information. You may contact Lincoln at 800-234-3500 to sign up, secure a personal identification number (PIN) for the website, and make changes to your elections.

OTHER BENEFITS
CHE Plus Benefits
Benefit eligible colleagues are eligible for CHE Plus Benefits. CHE Plus Benefits is a program designed exclusively for colleagues of CHE and CHE affiliated facilities. These benefits are designed to supplement the core benefit package you receive as an associate of CHE.

Educational Assistance
Full-time associates are eligible for up to $5,000 of tuition costs for approved college courses each calendar year. Part-time reimbursement is pro-rated.

Credit Union
Our Lady of Lourdes Medical Center is a member of the South J ersey Federal Credit Union. Lourdes Medical Center of Burlington County is a member of the Rancocas Federal Credit Union. All associates and immediate family members are eligible to become a member of either credit union. These memberships offer participants various financial services via payroll deduction.

Referral Bonuses
This incentive can range from $50-$2,500 depending on the position; your referral partner must identify you as the referrer when s/he applies on-line.

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