Employee Benefits

Employee Benefits

Benefits

Our benefit providers include: UMR, Blue Cross/Blue Shield of Illinois, MetLife, Guardian (First Commonwealth Dental), Superior Vision, and CIGNA.

 

We are proud of the benefits package we offer our employees at Little Company.Our staff has a variety of choices to suit their individual needs. Employees enjoy many benefits and rewards, such as:

 

Medical Coverage

Dental Coverage

Flexible Spending Accounts

Vision Coverage

Life/Accidental Death & Dismemberment Insurance

Disability Coverage

Employee Assistance Program

Retirement Program

Tuition Reimbursement

Employee Referral Program

Vacation/Sick/Bonus Time Off

Adoption Assistance

Other Benefits

Employee Health Plans Notice of Privacy Practices

 

Medical Coverage

Little Company is committed to offering its employees quality health care plans at a reasonable rate.

 

Blue Cross/Blue Shield of Illinois

The hospital offers the Blue Cross/Blue Shield Preferred Provider Plan (PPO). There are two levels of coverage, depending on whether you choose to receive care in-network or out-of-network. You decide at the time you receive care. You receive higher benefits if you receive your medical care at Little Company of Mary Hospital. When you choose participating providers, you receive maximum benefits and reduce your out-of-pocket costs. When using non-participating provider, your benefits are paid at a lower percentage. You must meet an individual deductible for covered medial expenses each calendar year. The deductibles and co-insurances are available in Human Resources.

 

Dental Coverage

Regular full-time and part-time employees also are eligible for dental coverage. Little Company offers two choices: CIGNA PPO and First Commonwealth DMO.

 

Cigna PPO
The dental PPO plan works the same way as a medical PPO, with two levels of coverage after meeting your $25 individual calendar year deductible.   At the time you need services, you can choose to receive care in-network or out-of-network.  When you choose participating providers, you receive maximum benefits and reduce your out-of-pocket costs.  When you use a non-participating provider, you may have higher out-of-pocket costs.  If you enroll in the CIGNA plan you are able to access a secure website, myCIGNA.com which will provide you the tools to review plan information, provider information and Explanation of Benefits.

 

First Commonwealth

When you enroll in the Guardian (First Commonwealth Dental) plan with First Commonwealth, you choose a provider dentist from the First Commonwealth directory.  When you use that dentist, you would receive benefits according to the plan schedule.

 

Flexible Spending Account

Regular full-time or part-time employees budgeted a minimum of 40 hours per pay period may enroll in the flexible spending account with UMR, effective each January.  A flexible spending account is available to fund for any unreimbursed medical or dental expenses, as well as dependent care expenses you may incur.  Your specified amount would be deducted from each paycheck on a pre-tax basis, giving you a tax-effective way to pay for these expenses.

 

Vision Coverage

Little Company of Mary Hospital offers vision coverage to full-time or part-time employees budgeted to work a minimum of 40 hours per pay period. This PPO plan is offered through Superior Vision. Benefits are provided for your eye screening, as well as glasses and contacts. If you use a participating provider, your out-of-pocket costs will be less than if you go out-of-network.

 

Life/Accidental Death & Dismemberment Coverage

If you are a full-time or part-time employee budgeted to work a minimum of 40 hours per pay period, you will be eligible for life insurance the first of the month following 90 days of employment.  This coverage is administered by Reliance Life Insurance, Customer Service 1-800-644-1103.

 

Basic Term Life/AD&D

The hospital provides basic term life and AD&D insurance in the amount of one times your annual salary.  Little Company pays the entire cost for this coverage.

 

Supplemental Term Life Insurance

You may elect to purchase additional supplemental term life insurance on yourself in the amount of one, two or three times your annual salary.  Premiums are based on your age and coverage amount and are provided at discounted group rates.

 

Disability Coverage

Little Company also provides both short term and long term disability coverage at no cost.

 

Short Term Disability

Full-time or part-time employees who are budgeted to work a minimum of 40 hours per pay period are eligible for short term disability coverage after completing the 90-day provisional period as a new hire.  The plan would pay 60% of your salary, if you were unable to work due to a disability, from day 31 to day 180 that you were out.   This coverage is administered by Matrix Absence Management, Inc. Customer Service 1-877-202-0055.

 

Long Term Disability

Full-time or part-time employees who are budgeted to work a minimum of 64 hours per pay period are eligible for long term disability coverage after working for one year budgeted for 64 hours per pay period. The plan would pay 60% of your salary, if you were unable to work due to a disability, from day 181. This coverage is administered by Matrix Absence Management, Inc. Customer Service 1-877-202-0055

 

Employee Assistance Program

Little Company provides an Employee Assistance Program (EAP) to all its employees and family members. The program provides confidential help in the form of support, counselling and referrals for a variety of issues in daily living. Support is available in the areas of:  relationships, parenting, children/adolescents, domestic violence, alcohol/drug use or dependency, grief and bereavement, anxiety or depression, stress, coping with change, and legal or financial matters. To access our EAP online, go to www.perspectivesltd.com.

 

Retirement Program - Little Company of Mary 401(k)Plan

The Hospital provides automatic enrollment into the Little Company of Mary 401(k) Plan. This contributory plan provides for growth on pretax monies being invested for retirement purposes. Please see the packet of information for more detail or visit the investment company's website at https://www.divinvest.com/

 

Tuition Reimbursement

Once you have worked at Little Company as a regular status employee for six months, you are eligible to receive reimbursement for college tuition expenses.  Full-time employees meeting the requirements may be eligible for reimbursement of up to $4000 per fiscal year.  Part-time employees meeting the requirements may be eligible for reimbursement of up to $2000 per fiscal year.

 

Employee Referral Program

If you are a regular status staff employee, you are eligible to receive a $500 bonus for referring an applicant who is then successfully hired into a regular status position by Little Company.

 

Time Off

Employees are eligible to take paid time off after six months? employment.

 

Vacation Time

During the first two years of employment, staff accrue two weeks of vacation each year. As length of service increases, earned vacation time also increases. Eligible part-time employees will have hours prorated based on hours worked.

 

Sick Time

Sick leave is provided to enable regular status employees to receive pay while unable to work scheduled days due to personal illness or injury. Full-time employees accrue sick time at the rate of four hours per month, to a maximum of 30 days. Part-time employees budgeted to work a minimum of 40 hours per week earn two hours per month, to a maximum of 15 days.

 

Bonus Time

After 90 days of employment, regular status employees are entitled to bonus days off with pay.  Full-time employees are eligible to take three bonus days with pay per calendar year. Part-time employees accrue bonus days, up to a maximum of three days per calendar year.

 

Adoption Assistance

The adoption assistance program is designed to provide employees with financial assistance related to adoption. Regular status employees budgeted to work a minimum of 40 hours per pay period are eligible for adoption assistance after one year of employment. The benefit pays up to $3000 per adoption.

 

The Hospital also provides the following benefits:

Credit Union

Direct Deposit

 

Employee Health Plans notice of Privacy Practices

Effective Date:  September 23, 2013

 

General Information About This Notice

 

This Notice applies to LCMH employees, former employees, and dependents who participate in any of the following benefit programs under the Plan (“Health Plans”):

  • Medical benefits
  • Dental benefits
  • Vision benefits
  • Health care spending account program

In this Notice, the terms “we,” “us,” and “our” refer to the Health Plans (listed above), all LCMH employees involved in the administration of the Health Plans, and all third parties who perform services for the Health Plans. Actions by or obligations of the Health Plans include these LCMH employees and third parties. However, LCMH employees perform only limited Health Plan functions – most Health Plan administrative functions are performed by third party service providers.
Please note:

  • This Notice does not apply to insured benefits including benefits provided through an insured HMO or DMO. If you are enrolled in an insured benefit, you will receive a separate notice from the insurance company or HMO provider.
  • Your personal information is also protected by other LCMH privacy and confidentiality policies described in your Employee Handbook.

What is Protected?

Federal law requires the Health Plans to have a special policy for safeguarding a category of medical information received or created in the course of administering the LCMH Health Plans, called “protected health information,” or “PHI”. PHI is health information (including genetic information) that can be used to identify you and that relates to:

  • your physical or mental health condition,
  • the provision of health care to you, or
  • payment for your health care.

Your medical and dental records, your claims for medical and dental benefits, and the explanation of benefits (“EOB’s”) sent in connection with payment of your claims are all examples of PHI.

 

If LCMH obtains your health information in another way – for example, if you are hurt in a work accident or if you provide medical records with your request for Family and Medical Leave Act (FMLA) absence--then LCMH will safeguard that information in accordance with the terms of the leave policy and applicable laws, but such information is not subject to this Notice. Similarly, health information obtained by a non-health-related benefits program, such as the long-term disability program is not protected under this Notice. This Notice does not apply in those types of situations because the health information is not received or created in connection with a LCMH Health Plan.
The remainder of this Notice generally describes our rules with respect to your PHI received or created by the Health Plans.

Uses and Disclosures of Your PHI

To protect the privacy of your PHI, the Health Plans not only guard the physical security of your PHI, but we also limit the way your PHI is used or disclosed to others. We may use or disclose your PHI in certain permissible ways described below. To the extent required by the Privacy Rules, we will limit the use and disclosure of your PHI to the minimum amount necessary to accomplish the intended purpose or task.

  • Treatment. We may disclose your PHI to facilitate medical treatment or services by providers. We may disclose medical information about you to providers, including doctors, nurses, technicians, medical students, or other hospital personnel who are involved in taking care of you. For example, we might disclose information about your prior prescriptions to a pharmacist to determine if prior prescriptions contraindicate a pending prescription.
  • Payment. We may use or disclose your PHI for Plan payment purposes, including the collection of premiums or determination of coverage and benefits. For example, we may use your PHI to reimburse you or your doctors or health care providers for covered treatments and services. We may also disclose PHI to another group health plan or health care provider for their payment purposes. For example, we may exchange your PHI with your spouse’s health plan for coordination of benefits purposes.
  • Health Care Operations. We may use and disclose your PHI for Plan operations. These uses and disclosures are necessary to run the Plan. We may use medical information in connection with conducting quality assessment and improvement activities; enrollment, premium rating, and other activities relating to Plan coverage; submitting claims for stop-loss (or excess-loss) coverage; conducting or arranging for medical review, legal services, audit services, and fraud & abuse detection programs; business planning and development such as cost management; and business management and general Plan administrative activities. For example, we may use your claims data to alert you to an available case management program if you become pregnant or are diagnosed with diabetes or liver failure. We may also disclose your PHI to another health plan or health care provider who has a relationship with you for their operations activities if the disclosure is for quality assessment and improvement activities, to review the qualifications of health care professionals who provide care to you, or for fraud and abuse detection and prevention purposes.
  • Family and Friends. We may disclose PHI to a family member, friend, or other person involved in your health care if you are present and you do not object to the sharing of your PHI, or, if you are not present, in the event of an emergency.
  • As Required by Law. We will disclose your PHI when required to do so by federal, state or local law. For example, we may disclose your PHI when required by national security laws or public health disclosure laws.
  • Workers’ Compensation. We may release your PHI for workers’ compensation or similar programs. These programs provide benefits for work-related injuries or illness.
  • Public Health Reasons. We may disclose your PHI for public health actions, including
  1. to a public health authority for the prevention or control of disease, injury or disability;
  2. to a proper government or health authority to report child abuse or neglect;
  3. to report reactions to medications or problems with products regulated by the Food and Drug Administration;
  4. to notify individuals of recalls of medication or products they may be using;
  5. to notify a person who may have been exposed to a communicable disease or who may be at risk for contracting or spreading a disease or condition; or
  6. to report a suspected case of abuse, neglect or domestic violence, as permitted or required by applicable law.
  • Health Oversight Activities. We may disclose your PHI to a health oversight agency for activities authorized by law. These oversight activities include, for example, audits, investigations, inspections, and licensure. These activities are necessary for the government to monitor the health care system, government programs, and compliance with civil rights laws.
  • Government Audits. We are required to disclose your PHI to the Secretary of the United States Department of Health and Human Services when the Secretary is investigating or determining our compliance with the Privacy Rules.
  • Lawsuits and Disputes. If you are involved in a lawsuit or a dispute, we may disclose your PHI in response to a court or administrative order. We may also disclose your PHI in response to a subpoena, discovery request, or other lawful process by someone else involved in the dispute, but only if efforts have been made to tell you about the request or to obtain an order protecting the information requested.
  • Law Enforcement. We may disclose your PHI if asked to do so by a law enforcement official
  1. in response to a court order, subpoena, warrant, summons or similar process;
  2. to identify or locate a suspect, fugitive, material witness, or missing person;
  3. about the victim of a crime if, under certain limited circumstances, we are unable to obtain the victim’s agreement;
  4. about a death that we believe may be the result of criminal conduct; and
  5. about criminal conduct.
  • Coroners, Medical Examiners and Funeral Directors. We may release PHI to a coroner or medical examiner. This may be necessary, for example, to identify a deceased person or determine the cause of death. We may also release medical information to funeral directors as necessary to carry out their duties.
  • Military and Veterans. If you are a member of the armed forces, we may release your PHI as required by military command authorities. We may also release PHI about foreign military personnel to the appropriate foreign military authority.
  • To Plan Sponsor. For the purpose of administering the Health Plan, we may disclose PHI to certain employees of LCMH. However, those employees will only use or disclose that information as described above, unless you have authorized further disclosures. Your PHI cannot be used for employment purposes without your specific authorization.
  • Business Associates. We may enter into agreements with entities or individuals to provide services (for example, claims processing services) to one or more of the Health Plans.  These service providers, called "business asociates," may create, receive, have access to, use, and/or disclose (including to other business associates) PHI in conjunction with the services they probide to the Health Plan(s), provided that We have obtained satisfactory weitten assurances that the business assocites will comply with all applicable Privacy Rules with respect to such Health Plan(s).
  • Research Purposes. We may use or disclose a “limited data set” of your PHI for certain research purposes.

In no event will we use or disclose PHI that is genetic information for underwriting purposes. In addition to rating and pricing a group insurance policy, this means the Health Plans may not use genetic information (including that requested or collected in a health risk assessment or wellness program) for setting deductibles or other cost sharing mechanisms, determining premiums or other contribution amounts, or applying preexisting condition exclusions.

 

State law may further limit the permissible ways the Health Plans use or disclose your PHI. If an applicable state law imposes stricter restrictions on the Health Plans, we will comply with that state law.

Other Disclosures

Personal Representatives. We will disclose your PHI to individuals authorized by you, or to an individual designated as your personal representative, attorney-in-fact, etc., so long as you provide us with a written notice/authorization and any supporting documents (i.e., power of attorney). Note: Under the HIPAA privacy rule, we do not have to disclose information to a personal representative if we have a reasonable belief that:

  1. you have been, or may be, subjected to domestic violence, abuse or neglect by such person; or
  2. treating such person as your personal representative could endanger you; andin the exercise of professional judgment, it is not in your best interest to treat the person as your personal representative.

Spouses and Other Family Members. With only limited exceptions, we will send all mail to the employee. This includes mail relating to the employee’s spouse and other family members who are covered under the Plan, and includes mail with information on the use of Plan benefits by the employee’s spouse and other family members and information on the denial of any Plan benefits to the employee’s spouse and other family members. If a person covered under the Plan has requested Restrictions or Confidential Communications (see below under “Your Rights”), and if we have agreed to the request, we will send mail as provided by the request for Restrictions or Confidential Communications.

 

Authorizations. Other uses or disclosures of your PHI not described above will only be made with your written authorization. This includes disclosures of PHI containing psychotherapy notes (except as necessary for the Health Plans’ treatment, payment and healthcare operating purposes), for many marketing purposes and for any sale of your PHI, each as defined under HIPAA regulations. If you have given an authorization, you may revoke written authorization at any time, so long as the revocation is in writing. Once we receive your written revocation, it will only be effective for future uses and disclosures. It will not be effective for any information that may have been used or disclosed in reliance upon the written authorization and prior to receiving your written revocation.

 

Your Rights

 

Federal law provides you with certain rights regarding your PHI.  Parents of minor children and other individuals with legal authority to make health decisions for a Health Plan participant may exercise these rights on behalf of the participant, consistent with state law.


Right to request restrictions: You have the right to request a restriction or limitation on the Health Plans’ use or disclosure of your PHI. For example, you may ask us to limit the scope of your PHI disclosures to a case manager who is assigned to you for monitoring a chronic condition. Because we use your PHI only as necessary to pay Health Plan benefits, to administer the Health Plans, and to comply with the law, it may not be possible to agree to your request. The law does not require the Health Plans to agree to your request for restriction. However, if we do agree to your requested restriction or limitation, we will honor the restriction until you agree to terminate the restriction or until we notify you that we are terminating the restriction on a going-forward basis.

 

Restriction request forms are available from the Privacy Officer. You may make a request for restriction on the use and disclosure of your PHI to the Privacy Officer. Contact information for the Privacy Officer is listed on the front of this Notice. When making such a request, you must specify:

  1. the PHI you want to limit;
  2. how you want the Health Plans to limit the use, disclosure, or both of that PHI; and
  3. to whom you want the restrictions to apply.

Right to receive confidential communications: You have the right to request that the Health Plans communicate with you about your PHI at an alternative address or by alternative means if you believe that communication through normal business practices could endanger you. For example, you may request that the Health Plans contact you only at work and not at home.

 

You may request confidential communication of your PHI by completing and appropriate form available from the Privacy Officer. You should send your written request for confidential communication to the Privacy Officer at the address listed at the bottom of this Notice. We will accommodate all reasonable requests if you clearly state that you are requesting the confidential communication because you feel that disclosure in another way could endanger your safety. You must make sure your request specifies how or where you wish to be contacted.

 

Right to inspect and copy your PHI: You have the right to inspect and copy your PHI that is contained in records that the Health Plans maintain for enrollment, payment, claims determination, or case or medical management activities, or that we use to make enrollment, coverage, or payment decisions about you. If PHI is maintained in an electronic health record, you shall have the right to obtain a copy of such PHI in an electronic format and may direct the Health Plan to transmit such copy directly to an entity or person, provided that you clearly and conspicuously communicate your instructions.

 

However, we will not give you access to PHI records created in anticipation of a civil, criminal, or administrative action or proceeding. We will also deny your request to inspect and copy your PHI if a licensed health care professional hired by the Health Plans has determined that giving you the requested access is reasonably likely to endanger the life or physical safety of you or another individual or to cause substantial harm to you or another individual, or that the record makes references to another person (other than a health care provider), and that the requested access would likely cause substantial harm to the other person.

 

In the unlikely event that your request to inspect or copy your PHI is denied, you may have that decision reviewed. A different licensed health care professional chosen by the Health Plans will review the request and denial, and we will comply with the health care professional’s decision.

 

You may request to inspect or copy your PHI by completing the appropriate form available from the Privacy Officer. Your written request should be sent to the Privacy Officer at the address listed at the bottom of this Notice. We may charge you a fee to cover the costs of copying, mailing or other supplies directly associated with your request, although if a copy is in electronic form, the fee shall not be greater than the Plan’s labor costs involved in responding to your request. You will be notified of any costs before you incur any expenses.

 

Right to amend your PHI: You have the right to request an amendment of your PHI if you believe the information the Health Plans have about you is incorrect or incomplete. You have this right as long as your PHI is maintained by the Health Plans. We will correct any mistakes if we created the PHI or if the person or entity that originally created the PHI is no longer available to make the amendment.

 

You may request amendments of your PHI by completing the appropriate form available from the Privacy Officer. Your written request to amend your PHI should be sent to the Privacy Officer at the address listed on the front of this Notice. Be sure to include evidence to support your request because we cannot amend PHI that we believe to be accurate and complete.

 

Right to receive an accounting of disclosures of PHI: You have the right to request a list of certain disclosures of your PHI by the Health Plans. The accounting will not include

  1. disclosures necessary for treatment, to determine proper payment of benefits or to operate the Health Plans,
  2. disclosures we make to you,
  3. disclosures permitted by your authorization,
  4. disclosures to friends or family members made in your presence or because of an emergency,
  5. disclosures for national security purposes or law enforcement, or
  6. as part of a limited data set.

Your first request for an accounting within a 12-month period will be free. We may charge you for costs associated with providing you additional accountings. We will notify you of the costs involved, and you may choose to withdraw or modify your request before you incur any expenses.

 

Accounting request forms are available from the Privacy Officer. You may request an accounting of disclosures of your PHI from the Privacy Officer. Contact information for the Privacy Officer is listed at the bottom of this Notice. When making such a request, you must specify the time period for the accounting, which may not be longer than six (6) years prior to the date of the request, and the form (e.g., electronic, paper) in which you would like the accounting.

 

Right to receive notification of breaches. The Plan must notify you within 60 days of discovery of a breach. A breach occurs if unsecured PHI is acquired, used or disclosed in a manner that is impermissible under the Privacy Rules, unless there is a low probability that the PHI has been compromised.

 

Right to file a complaint: If you believe your rights have been violated, you should let us know immediately. We will take steps to remedy any violations of the Health Plans’ privacy policy or of this Notice.

 

You may file a formal complaint with our Privacy Officer and/or with the United States Department of Health and Human Services at the addresses below. You should attach any documents or evidence that supports your belief that your privacy rights have been violated. We take your complaints very seriously. LCMH prohibits retaliation against any person for filing such a complaint.

 

Complaints should be sent to:

Little Company of Mary Hospital Health Plans

Attn: Health Plan Privacy Officer

Human Resources Department

2800 West 95th Street

Evergreen Park, Illinois 60805

(708) 229-5055

 

U.S. Department of Health and Human Services

Office for Civil Rights

200 Independence Avenue, S.W.

Washington, D.C.  20201

 

Additional Information About This Notice

 

Changes to this Notice: We reserve the right to change the Health Plans’ privacy practices as described in this Notice. Any change may affect the use and disclosure of your PHI already maintained by the LCMH Health Plans, as well as any of your PHI that the Health Plans may receive or create in the future. If there is a material change to the terms of this Notice, you will automatically receive a revised Notice.

 

How to obtain a copy of this Notice: You can obtain a copy of the current Notice from this website by clicking on the "Employee Login" link to the left, entering your user ID and password, and downloading the document "E_LCMH Health Plans HIPAA Privacy Notice"  or by requesting, in writing, a current copy of the Notice from the Privacy Officer at the address listed below.


No guarantee of employment: This Notice does not create any right to employment for any individual, nor does it change LCMH’s right to discipline or discharge any of its employees at any time, with or without cause.


No change to Health Plan benefits: This Notice explains your privacy rights as a current or former participant in LCMH Health Plans. The Health Plans are bound by the terms of this Notice as they relate to the privacy of your PHI. However, this Notice does not change any other rights or obligations you may have under the Health Plans. You should refer to the Health Plan documents for additional information regarding your Health Plan benefits.

 

Contact Information

If you have any questions regarding this Notice, to obtain a paper copy of this Notice, or to file a complaint with the Health Plans, please contact:

 

Little Company of Mary Hospital Health Plans

ATTN:  Health Plan Privacy Officer

Human Resources Department

2800 West 95th Street

Evergreen Park, Illinois  60805

Phone:  (708) 229-5055

Other protections: Your personal information is also protected by other LCMH privacy and confidentiality policies described in your Employee Handbook.
 



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