Navajo Nation Employee Benefits Program Overview
"Learn about the Employee Benefits Program provided for Navajo Nation Chapter Officials, including Group Term Life Insurance coverage and oversight committees. Coverage includes basic and accidental death benefits, with additional accidental benefits offered. Find out more about the program details and benefits available."
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Presentation Transcript
NAVAJO NATION EMPLOYEE BENEFITS PROGRAM
Purpose The Employee Benefits Program is hereby providing an overview of the Group Term Life insurance offered to Chapter Officials as identified inthe: Navajo Nation Code Title 26 Navajo Nation Local GovernanceAct President Vice-President Secretary/Treasurer GrazingOfficial/Land Board Farm Board
Plan Employees and Employers fund thePlan by contribution of premiums to thePool Information Fully insured group life benefit plan for Regular Status employees who workmore than 20 hours per week on a regular basis, with an added Life insurance policy for Chapter Officials
Oversight Committees In accordance with the Insurance Services Department s Plan of OperationBFN-34-17 approved November2017: Budget and FinanceCommittee and Navajo Nation Insurance Commission Vacant, Chairperson (Term Continuous) Raymond Smith, Vice-Chairperson(Enterprise) Linda Youvella, Member (Legislative Branch) Bennie Francisco, Member (Judicial Branch) Rhonda Joe, Alternate forEnterprise Charlotte Bigthumb, Member (ExecutiveBranch) Arita Yazzie, NNDOJ LegislativeCounsel Sean McCabe, Financial Advisor/OOC Helen Brown, Acting Auditor General
Coverage Basic Term Life -$10,000 may be payable in the event of theinsured s passing from any cause of loss of life while insured under thispolicy and Accidental Death &Dismemberment Term Life - $10,000 may be payable for an accidental injurywhich results in loss of life, limb, or eyesight, including loss resulting from an occupational accident (limitations and exclusionsapply)
Coverage StandardAdditional AccidentalBenefits (continued) Air BagBenefit Seat Belt Benefit Common CarrierBenefit Child Care Center Benefit Child Education Benefit Spouse EducationBenefit HospitalizationBenefit
Age Age of Employee Percentage 70 but less than75 50% Reduction Schedule 75 but less than80 30% 80 andolder 20% Examples: Age73 $10,000 x 50% = $5,000 Age75 $10,000 x 20% = $2,000
Group Life Insurance ChapterOfficials PROCEDURE
Election of Coverage Chapter Official must complete,sign and date: EnrollmentApplication Beneficiary Designationform (Ineligiblefor Group Health orDisability Benefits or DependentCoverage) Chapter Official must submit to Employee Benefits Programfor review: Determine if Chapter Official isa regular status employee with Navajo Nation or any Enterprise/Chapter (Ineligibleif an active Employee underthe Employee BenefitsPlan)
Election of Coverage Chapter administration is responsibleto maintain status of all Chapter Officials to ensure coverage remains updated (continued) Allnewly elected Chapter Officials should be provided enrollment information and immediately upon resignation, removal or expiration of the term of office, notification should be provided to Employee Benefits Programoffice Forms ofnotification: Fax (928) 871-6408 Telephone (928) 871-6300 Electronic Submission: benefitsdocs@navajo-nsn.gov
Filing a Claim Loss ofLife Family or Chapter Representative will notify ouroffice Chapter Meeting sign-in sheets for the month of loss must be provided to show proof Chapter Official was stillActive Beneficiary (ies) information must be kept CONFIDENTIAL Written notice and forms will be sent to the Beneficiary(ies) At discretion of Beneficiary (ies), Assignment of Insurance may be contracted with the mortuary to assist with burialexpenses Claim Form is available online or canbe mailed
Filing a Claim Accelerated BenefitOption Diagnosed with Terminal Illness withless than 12 months oflife (continued) May apply for up to 80% of coveragevalue Claim Form is available online or can be mailed AccidentalDismemberment Accidental Loss of Limb, Hearing,Speech, Site, orComa Table of Loss determinespercentage Claim Form is available online or canbe mailed
Group Life Insurance ChapterOfficials PREMIUM RATE
Cost of Coverage Group Benefit Fund pays 100% duringthe Chapter Official sTerm No Stipendpayment No Chapter budgetpayment $0.3746/$1,000 of coverage $0.3746x 10= $3.75/member/month Approximately $8,595per annum Total enrolled as of March 2024 191Enrollees
Group Life Insurance ChapterOfficials LOSS OF COVERAGE
Conversion Once the Employee Benefits Program receives notification of aChapter Official leaving their position, a Termination form is completed and notification is sent to Enrollment for further handling Conversion of the Group Term Life insurance benefit to an Individual Whole Life insurance policy may be elected due to loss of coverage resulting from retirement, termination, or a change in employee class within 31 days
Administration Building One, Second Floor 2559 Indian Route 100 PO Box 1360 Window Rock, AZ Office: (928) 871-6300 Fax: (928) -871-6408 Website: www.benefits.navajo-nsn.gov Submit scanned copy via electronic submission to: benefitsdocs@navajo-nsn.gov
