Benefit Information - Ancillary (Life, LTD, etc.)
Life Insurance, Short-term Disability (STD), Long-term Disability (LTD) 2023, AD&D - NY LIFE
The Town of Milford is transitioning from Cigna to NY Life effective 1/1/2023. NY Life documents will be added to the website as they are received.
BENEFIT APPLIES TO
| Employee instructions: | Employees have the option to enroll in Class 1 Life (1 x salary) and AD& D or Class 2 Life (2 x salary) and AD&D.
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| Start Date: | 1/1/2023 - 12/31/2024 |
| Eligibility: | Active, full-time Employees of the Town of Milford regularly working a minimum of 35 hours per week. Employees are eligible for benefits on the first of the month following the date of hire. |
COVERAGE INFORMATION
NEW HIRE FORMS
Item | Description |
| Enrollment Form | NYL - Town of Milford Enrollment Form |
| Evidence of Insurability (Only complete if selecting 3x coverage) | NYL - Evidence of Insurability Form |
| Beneficiary Form | NYL - Beneficiary Form |
| How to Apply for Short Term Disability (STD) | NYL - Disability Intake Flyer |
FORMS AT RESIGNATION
Item | Description | File |
Portability Application
| NYL - Portability of Voluntary Term Life Application - Employee Only Please find the portability application |
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Portability vs. Conversion Chart | NYL - Portability vs Conversion Chart The chart outlines the benefits available when porting or converting coverage. |
NYL GBS Portability vs Conversion Chart |
LINA - Portability Rate Chart | NYL - LINA Portability Rate Chart The following provides the LINA portability rates as outlined in your policy. |
NYL Standard Portability Rates |
Portability mailing address – LINA & NYLGICNY | If the employee has questions regarding porting or converting their coverage, they can contact the following: 800.423.1282 Monday through Friday, 8:00 AM to 4:30 PM CST |
AmWINS Group Benefits Inc. P.O. Box 152501 Irving, TX 75015-2501 |
Conversion Application |
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Conversion Life mailing address – LINA & NYLGICNY | NYL - AD&D Conversion Application - Group Accident to Individual Policy Fillable
If the employee has questions regarding converting their coverage, they can contact the following: 800.423.1282 Monday through Friday, 8:00 AM to 4:30 PM CST
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AmWINS Group Benefits, Inc. P.O. Box 152501 Irving, TX 75015-2501
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Conversion Accident - LINA & NYLGICNY & LTD | NYL - AD&D Conversion Application - Group Accident to Individual Policy Fillable If the employee has questions regarding converting their coverage, they can contact the following: 800.441.1832 Monday through Friday, 8:00 AM to 4:00 PM EST | Life Insurance Company of North America P.O. Box 786020 Philadelphia, PA 19178-6020 |
VALUE ADD PROGRAMS EFFECTIVE JANUARY 1, 2023
Program | Description |
Employee Assistance & Wellness Support | NYL - EAP Employee Assistance and Wellness Flyer This program offers counseling, legal and financial counseling, work-life assistance, well-being coaching, family care services, and crisis intervention services to covered employees and their household family members. |
Financial, Legal & Estate Support |
NYL - Financial, Legal and Estate Support Flyer Our Financial, Legal, and Estate Support program provides consultative experts to meet the needs of your business and employees.
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Survivor Assurance
| NYL - Survivor Assurance Flyer 1 NYL - Survivor Assurance Flyer 2 This program provides support for beneficiaries when they need it the most. |
Secure Travel
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Provides pre-trip planning, assistance while traveling, and unlimited medical evacuation and repatriation benefits when traveling 100 miles or more from home. |
| My Secure Advantage | 30-days’ pre-paid expert money-coaching for all types of financial planning and challenges; includes identity theft and fraud resolution services, and online tools for state-specific wills and other important legal documents. |
| LAP | Employee Assistance counseling and work/life support offers telephonic and up to 3 in person sessions to address many of life’s challenges, legal and financial consultations, and online articles, resources and videos for work/life issues. |
Tuition Reimbursement
Policy and Form(s): | |
| Eligibility: | Eligible employees include full-time, non-union employees who have successfully completed their probationary period. |
Retirement
NH Retirement System
| New Hampshire Retirement System (NHRS) 54 Regional DriveConcord, New Hampshire 03301 Phone: 603-410-3500 Email: info@nhrs.org Hours: M-F, 8am-4pm |
| Eligibility: | All full-time regular employees of the Town of Milford who work thirty-five (35) or more hours per week are required to be enrolled in the New Hampshire Retirement System (NHRS) immediately upon employment with the Town. Enrollment in the NHRS is mandated by State Law. Upon enrollment into the System, the employee will be provided with pertinent information regarding the NHRS. The appropriate share of the employee’s gross earnings is deducted bi-weekly from the employee’s paycheck and submitted monthly to the Retirement System. At the same time, the Town of Milford contributes a percentage towards each employee’s retirement fund.
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| New Hire Forms: | |
| Forms at Termination: | Cannot be submitted until 30 days after termination |
| Retirement Application Packet for Service/Vested Deferred Retirement:
| Group I - Employee and Teacher Application Packet Group II - Police and Fire Application Packet The forms listed below must be completed and submitted to NHRS to apply for retirement. All required forms/copies must be submitted at least 30, but not more than 90 days prior to the effective date of retirement, which is always the first of the month. |
Other
| Legal Shield | Julie Gershon Employee Benefits & Identity Theft Specialist 978-658-4235 (direct) 800-320-3220 |
AIG (FORMERLY VALIC) - 457 AIG Retirement Services
| Since the New Hampshire Retirement System does not allow for additional contributions other than those percentages permitted by law, the Town has contracted with another Section 457 Deferred Compensation Plan provider. At present, the Town offers plans through VALIC (The Variable Annuity Life Insurance Company).
All contributions into the foregoing fund is strictly voluntary with dollar limitations on deferrals governed by the Section 457 plan. Deductions are made with pre-tax dollars. Any employee interested in enrolling in any of the foregoing Section 457 plans should contact the Human Resource Department for further information.
Our current AIG Retirement Services (Formerly VALIC) representative is:
Financial Advisor 410 Amherst Street, Suite 310 Nashua NH 03063 Tel 603-566-9227 Office 603-594-8340
https://www.corebridgefinancial.com/rs
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| Verizon | How to Register Your Employee Discount Verizon - First Responder Discount
Any discount will depend on the end-users' plan and their role in the Town. A regular employee would get up to 15% off a non-Unlimited Plan. Unlimited plans don't qualify for any additional discounts. First Responders get either 15% off or a dollar amount depending on the number of lines they have, but they can get a discount on the Unlimited plans. |
