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The Fond du Lac Insurance benefits include Medical, Dental,
Prescription and Life
Insurance for eligible employees.
Plan Documents
The plan documents linked
below are in an Adobe Acrobat™ format and require the associated
reader. Click the icon below to download this software if needed.
Medical/Dental Plan Document
FDL Flex Plan Document
FDL
Disability Plan
Employee Assistance Program Document
Who is eligible?
You are eligible if you are a full-time employee working 32
hours or more per week. Your eligible dependents include your spouse
and dependent children to age 19 years, or to age 25 years if they are
full-time students, wholly dependent on you for support, or if they
qualify as an IRS tax qualified dependant.
How do you join?
Complete and return the enrollment forms within 90 days of
full time employment to guarantee coverage. Failure to enroll in this
timeframe will be deemed waiver of participation and future coverage
will not be available.
When is coverage effective?
You are covered after 3 months of employment if you are
actively at work, eligible, and all enrollment forms have been
completed. Coverage begins the day following completion of the
3-month period.
Are pre-existing conditions
covered?
Any illness or injury for which you received any medical care,
treatment or medication within 90 days prior to becoming covered under
this Plan is a pre-existing condition. Benefits will be paid for these
conditions after you are free of treatment for 6 months, or after
you have been covered for 12 months.
What type of Life Insurance
benefits are available?
Fond du Lac Reservation provides you with $25,000 of Group
Term Life Insurance and an equal amount of Accidental Death and
Dismemberment Insurance. Look in the Plan Documents section below to
see the complete schedule of benefits.
How can I check on an insurance
claim?
To check on a claim status, you can call or Email the Medical
Benefits Clerk listed below, or use the following web link to check
your claim information online.
http://www.hch-online.com
Contact Information:
phone 866/679-0842
Flexible Benefits Plan
Through the FDL Flexible Benefit Plan,
the employee has an opportunity to increase take home pay by reducing
their taxes, while covering expenses such as daycare, chiropractic
services, eyewear costs, etc. Under the Flexible Benefits Plan, family
medical and dental premiums are automatically deducted from the
employee's paycheck on a pre-tax basis. This election is subject to
the "use it or lose it" rule. Look in the Plan Documents
section below to see the complete Flex Plan document.
Flex Plan
Information Website
Contact Information:
Compensation Consultants Ltd.
PO Box 720
Cloquet, MN 55720
phone 800/447-1690 or 218/879-6725
FDL Prescription Plan
Fond du Lac provides it's staff with a prescription services
plan through the Walgreen's Health Initiative (WHI).
Prescription
Plan Website
Contact Information:
phone 800/207-2568
FDL Mgmt, Inc. Employees Disability Plan
Fond du Lac provides a short-term disability plan for it's
staff. For details, look in the Plan Documents section below. For more
information about the Disability Plan, contact Dannell Kettelhut at
878-2667, or through email at
dannellkettelhut@fdlrez.com
Employee Assistance Program
The Employee Assistance Program (EAP)
is a benefit provided by FDL for you and your family. Every one of us
experiences tough times in life when personal or work problems or a
crisis affects our functioning. An EAP is designed to make free and
confidential professional assistance available to help with life's
stressors. Look below for the full information document.
St.
Lukes EAP Brochure (pdf)
Contact Information:
St. Lukes EAP
phone 218/249-7077 or
888/355-8495
For claim information or other
questions or comments contact:
Judy Birnstihl
Medical Benefits Clerk
(218) 878-2648
Email Link
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