Important Information for New Physicians with a Start Date
on or After June 26, 2016:

MAPMG is transitioning from EBenefits to a new Onboarding and Benefits Enrollment process effective June 26, 2016.  Your Physician Human Resources Consultant will be sending you a Welcome Letter (via an email from “MAPMG Onboarding”) about 10 days before your start date with information about completing your new hire paperwork online, as well as instructions for enrolling in your benefits starting on your first day of employment (start date).   You will be enrolling in your benefits through our HR Self Service tool, rather than through EBenefits.

If you have any questions about your benefits before your start date, please contact MAPMG Benefits at 301.816.7192 or email MAPMG-Benefits@kp.org.



Benefit Plan Information for New Physicians

MAPMG's benefits for new physicians are summarized below.

You may start the enrollment process at EBenefits no sooner than 30 days before your hire date. Benefits shown with an asterisk mean that a decision about enrollment is needed within 30 days from your hire date.

Costs for benefits are displayed at MAPMG EBenefits.

Enroll online through MAPMG EBenefits.

Health Insurance *

MAPMG provides  Kaiser Permanente Signature HMO at no cost to you and your eligible dependents. Your eligible dependents are your spouse/domestic partner and children under age 26. Coverage is effective on your date of hire. This coverage includes medical, prescription drug and  vision benefits.   A summary of benefits is outlined in the HMO Summary of Benefits and Coverage (SBC) and a complete description of covered services may be found in the Evidence of Coverage (EOC) document issued annually from Kaiser Foundation Health Plan.

Supplemental Medical Insurance

MAPMG offers Supplemental Medical Insurance that covers certain medical expenses that are excluded by your HMO coverage, or that exceed plan benefit limits. A summary of benefits is outlined in the Supplemental Medical Plan SBC and a plan summary may be found here.

Health Insurance for Parents and In-laws

Your parents and in-laws may enroll in Kaiser Foundation Health Plan coverage provided they meet all of the requirements listed below. If enrolled, you will pay the required premiums through post –tax monthly payroll deductions. The requirements are:

  • Must have a permanent address in any KP service area: Mid-Atlantic States, Northern or Southern California, Hawaii, Northwest, Colorado, or Georgia
  • Must remain enrolled for the full calendar year
  • If over age 65, must be enrolled in Medicare Parts A and B

» MAS Parent Plan Summary of Benefits and Coverage (SBC)
» Northern California Parent Plan Summary
» Southern California Parent Plan Summary
» MAS - Parent 65+ Plan Summary
» Northern California - Parent 65+ Plan Summary
» Southern California - Parent 65+ Plan Summary

Dental Insurance *

MAPMG provides  Delta Dental PPO insurance at no cost to you and your eligible dependents. Your eligible dependents are your spouse/domestic partner, and children under age 26.

You may see dentists within or outside the Delta PPO Premiere network. However, if you use a non participating Delta provider, you are responsible for any charges that exceed Reasonable and Customary, as shown in the plan highlights. If elected, coverage is effective on the first day of the month following your date of hire.

Already have dental coverage through a former employer or spouse? You can be enrolled in both plans. Learn how combining benefits from both plans can help you save.

» How to find a Delta Dental dentist
» Delta Dental Summary Plan Description

Medical and Dependent Care Flexible Spending Accounts *

MAPMG offers pre-tax Medical and Dependent Care spending accounts that allow you to reduce federal and state taxes and receive reimbursements for qualifying medical and dependent care expenses. You may contribute up to $2,550 annually to the Health Care account and up to $5,000 annually to the Dependent Care account.
Flexible Spending Accounts – Frequently Asked Questions

Medical FSA

  • Learn more about a Medical Care FSA .
  • With FSA Rollover, you may roll over up to $500 of unused Medical Flexible Spending Account funds at the end of the plan year, reducing your risk of forfeiting unused money you have contributed.
  • Other plan features include: A mobile app that allows you to submit receipts immediately after you use your Benny Debit card or incur an eligible out-of-pocket expense.
  • Plan participation automatically ends each December 31. You must reenroll during open enrollment each November to continue participation in the next year.

Dependent Care FSA

  • Learn more about a Dependent Care account.
  • No-Wait Dependent Care FSA, allows you to submit ONE claim for a year’s worth of childcare expenses.
  • Dependent Care accounts are for your children under the age of 13 enrolled in day care, summer camp, or elder care.
  • Health care expenses for your dependents should be included in your Health Care Flexible Account.
  • Any Dependent Care monies not claimed by the end of the calendar year are forfeited ('use it or lose it" rule). FSA Rollover does not apply to Dependent Care.
  • Plan participation automatically ends each December 31. You must reenroll during open enrollment each November to continue participation in the next year.

Qualified Transportation Accounts

You may elect to pay for your mass transit expenses (e.g. Metro, Marc, VRE) and parking on a pretax basis, up to IRS limits. The 2016 limits are $255/month for transit passes and $255/month for qualified parking expenses. Your elections may be revoked or changed throughout the year.  

The amount you elect each month will be loaded on a Benny Debit card.  Use the Benny card as you would your own personal credit card to pay for your monthly commuter expenses.  If you enroll in a Medical Care FSA, the same Benny card will be loaded with both your FSA and your Qualified Transportation Benefits.

QTE FAQ                        QTE Guide

Life and Accidental Death & Dismemberment Insurance *

Life insurance benefits are paid when a death is due to any cause. Accidental Death benefits are paid when a death is a result of an accident. Accidental Death benefits are paid in addition to any life insurance benefits payable.

MAPMG provides you with $250,000 of Basic Life insurance and $250,000 of Basic AD&D insurance at no cost to you. Coverage is effective on your date of hire.

In addition to Basic benefits, you may also purchase Supplemental and Dependent Life/AD&D insurance as shown in this table.
Learn more about Life/AD&D insurance and Travel Assistance Benefits
Additional details may be found in the Life/AD&D Insurance Summary Plan Description.

Business Travel Accident Insurance *

MAPMG provides a benefit to your designated beneficiary equal to 4 times your based salary up to $250,000 if your death occurs while on company business. This benefit is MAPMG paid and is effective on your date of hire.

Short Term Disability Insurance

Short Term Disability for Shareholder Track Physicians is paid as salary continuation at 50% of biweekly salary after the first 60 days of disability. The maximum period of coverage is 120 days. Coverage in this plan is automatic and is effective on your date of hire.

» Short Term Disability Plan Summary

Long Term Disability Insurance *

If elected, Long Term Disability begins after the first 180 days of disability. MAPMG offers a choice of two Long Term Disability plans through The Hartford which you pay for on an after-tax basis. Benefits received during periods of disability are tax-free.

Option A provides a monthly benefit of 60% of your monthly base salary, up to $20,000, if you cannot perform in your own specialty. Benefits are also subject to a 3% cost of living adjustment every year.

As an alternative and at a lower cost, Option B provides a monthly benefit of 60% of your monthly base salary, up to $20,000, if you cannot perform in your own specialty, for the first 36 months of disability. After 36 months, you will continue to be considered disabled only if you cannot perform the material duties of any occupation you are suited to perform based on your training, education and experience. There is no cost of living adjustment.

» Learn more about LTD and Options A and B

» Long Term Disability Summary Plan Description

Long Term Care Insurance *

Long Term Care is the type of care received, either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing, due to an accident, illness or advancing age. Long Term Care Insurance, through Unum, provides a facility monthly benefit of $3,000 - $8,000 (in increments of $1,000) for up to 5 years. Benefits are subject to a 90 day elimination period. Inflation protection, accelerated benefits and a non-forfeiture provision are also included. You pay for Long Term Care Insurance on an after-tax basis so any benefits received are not taxable. Evidence of good health is required for elections over $5,000.00 per month.

Your spouse (or domestic partner) and certain family members (see Unum specifications for details) may also apply for Long Term Care Insurance. If your spouse elects this coverage, it is paid for through your payroll deductions. Other qualifying family members are billed directly by Unum. Evidence of good health is required for all levels of coverage.

Plan details and rates, including enrollment applications and health questionnaires (for family members) may be found at w3.Unum.com/enroll/mapmg.

Legal Insurance *

MAPMG offers a comprehensive legal services benefit sponsored by Legal Resources. Your spouse and children are covered at no additional cost - plus if you enroll, your parents automatically qualify for a 25% discount on all services. Just a few examples of these services are:

Advice and legal counsel; will preparation (including Contingent Trust for Minors, Living Will, Medical Durable; Power of Attorney, and Advance Directive; attorney fees for house closing; traffic violations; credit issues/warranty disputes; family law (including Uncontested Divorce and Adoption) and identity theft services.

Attorney fees not covered in full (i.e. pre-existing, contested family matters, bankruptcy etc.) are provided at a 25% discount. Other legal services covered under the Expanded Coverage rider include Complex Trusts, Small Business Matters and Immigration Law.

Legal Resources’ exclusive network is made up of highly qualified local law firms. You choose the law firm you want to work with and call them directly with your legal need. There are no co-payments, no deductibles and no restrictions on use. If you enroll, your parents automatically qualify for a 25% discount on all services. Your plan will provide coverage for your entire family. Your enrollment carries over year to year, and the plan is 100% portable. For more information, please refer to this brochure, or call Legal Resources directly at: 301-654-9490.

Employee Assistance Plan (EAP)

Optum Health Behavioral Solutions is MAPMG's EAP and alternate behavioral health provider.

The EAP is available to help you with the short term need for advice and counseling, often associated with life's changes or challenges, such as relationships, time management, marriage, pregnancy, adoption, divorce, death, etc. You and your eligible family members may receive up to 5 visits per year at no cost with providers available through the Optum Health network.

For more extensive counseling, you and/or your dependents enrolled in MAPMG's health insurance can choose to obtain care by using your Kaiser HMO benefits, or by using Optum's behavioral health plan benefits by paying the applicable co-payments.

Additional plan information about our EAP and Behavioral Health Benefits may be found at www.mapmgliveandworkwell.com. Or, you may contact Optum Health directly at 800-622-7276.

Professional Expenses

License and Hospital Dues Reimbursements

Kaiser Foundation Health Plan of the Mid-Atlantic States reimburses you 100% for all required licenses and hospital dues. Within 7-10 days after your start date, you can submit your receipts electronically at www.mymapmgbenefits.com.

CME Reimbursement Benefits

MAPMG provides an annual reimbursement benefit of $2,000 (prorated to hire date) for eligible professional expenses such as medical textbooks and software, dues to professional societies and conferences that earn CME credits. Expenses incurred towards initial board certification are also reimbursed from this benefit. Reimbursements are processed through our PEP system at www.mymapmgbenefits.com.

» Professional Expense Reimbursement Policy

Board Recertification Reimbursement Benefits

MAPMG provides 100% reimbursement for eligible expenses related to board recertification. Board recertification expenses are not subject to an annual maximum. Reimbursements are processed through our PEP system at www.mymapmgbenefits.com.

» Board Recertification Reimbursement Policy

Facilitated Enrollment in Local or State Medical Society

To support and encourage your participation in health care legislative issues, local and state medical society dues are paid by MAPMG directly as follows:

  • District of Columbia: local dues are paid by MAPMG.
  • State of Maryland: Both local and state medical society dues are paid by MAPMG.
  • Commonwealth of Virginia: Commonwealth and Arlington County dues are paid by MAPMG; local dues are reimbursed through PEP funds.

Vacation

Your paid vacation  benefits are based on your years of service.

Years of Service

Annual Vacation  Benefit

1-3

4 weeks

4-10

5 weeks

11+

6 weeks

Vacation  benefits are prorated if you work less than full time. Balances may be carried over from year to year, up to 12 weeks. Accrued leave beyond 480 hours cannot be carried over and are paid to you.

Sick Leave

You will be credited with  40 hours  of sick leave upon your hire date, and will accrue an additional week during your first year of employment. Starting with your second year of employment, you accrue two weeks of sick leave. You can accrue up to eight weeks of sick leave. Sick Leave benefits are prorated if you work less than full time.

Paid Holidays

Our paid holidays are:

  • New Year's Day
  • Martin Luther King Day
  • Presidents' Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Thanksgiving Day
  • Christmas Day
  • Either Christmas Eve Day or New Year's Eve Day

A full description of all Leave Benefits may be found in the Physician Leave Policy.

Retirement Benefits

401(k) Plan

401(k) Plan – Your Contributions

Fidelity Investments administers MAPMG's 401(k) plan. The plan currently offers a wide variety of mutual funds, Target Date Retirement funds and a self directed brokerage option.

The maximum annual deferral for 2016 is $18,000, plus an additional $6,000 catch-up contribution for those age 50 or older. Contributions may be made on a pre or post tax (Roth) basis. Shortly after receiving your first paycheck, Fidelity will send you a package of plan information with instructions for enrollment. Beneficiary designations are made online at www.401k.com.

» MAPMG 401(k) Summary Plan Description

401(k) Plan – MAPMG’s Contributions

MAPMG contributes 5% of your base and incentive compensation to your 401(k) plan on a biweekly basis, up to the annual IRS limit ($265,000 for 2016). Once you have earned $265,000, MAPMG's contributions to your 401(k) plan must stop. You become vested in MAPMG's contributions, and earnings on those contributions, according to the following schedule:

Years of Service

Vested Percentage

Less than 1

0

1

10

2

30

3

50

4

70

5 or more

100%

401(k) Excess Contribution Plan

In addition, physicians whose base and incentive pay exceed annual IRS limits receive a 5% cash payment each January for all amounts of eligible compensation in excess of plan limits from the previous year. The Excess Contribution Plan payment is taxable upon receipt and therefore, may not be rolled into a qualified tax deferred vehicle, such as an IRA.

Pension Plan

MAPMG funds a pension benefit on your behalf which is generally equal to:

2% times your highest consecutive 36 months average compensation (subject to IRS limits) of the last 120 months worked times your years of Credited Service up to 20 years; plus

1% times your highest consecutive 36 months average compensation (subject to IRS limits) of the last 120 months worked times your years of Credited Service for years over 20 years.
You become 100% vested in the Pension Plan after 5 years of vesting service.  Shortly after your hire date, you may view plan details and run pension estimates at www.ibenefitcenter.com/kp.

Normal Retirement age is 65.

Supplemental Retirement Plans (SERP)

You may be eligible for one, two or three Supplemental Retirement Plans, depending on your highest average pay and years of service at retirement or separation from service from MAPMG. All SERP plans are non – qualified plans and therefore are fully taxable upon receipt and cannot be rolled into a qualified tax deferred vehicle, such as an IRA.

SERP - Full and Early Retirement

Full and Early Retirement allows you retire between the ages of 60 and 64 with at least 20 years of service. Under Full and Early, a subsidy is provided that eliminates the actuarial reduction in benefits which would otherwise occur when retiring before age 65.

SERP – Part II

Benefits under this plan are payable to you upon separation from service if you are vested on your separation from service date (at least 5 years of Service) and your Highest Average Compensation exceeds the IRS compensation limits.
Note: SERP Part II and SERP Full and Early benefits are paid immediately upon separation from service, regardless of when you decide to commence your qualified pension benefits.

Post-Retirement Benefits – Medical

MAPMG provides paid retiree medical insurance for you and your eligible dependents if you retire at age 65 with at least 10 years of service. MAPMG also provides paid retiree medical insurance if you retire between the ages of 60 and 64 having completed at least 20 years of service (Full and Early), provided at least  one year notice of retirement is given.

Post Retirement Benefits – Life Insurance

If you retire at age 65 or older with at least 10 years of service, or between ages 60 and 65 with at least 20 years of service (Full and Early), MAPMG will provide you with $50,000 of retiree life insurance.

Timing of Payroll Deductions

(where applicable)

1st Paycheck of Month

2nd Paycheck of Month

Every Paycheck

 

Long Term Care

401(k)

 

Legal Resources

Health Care FSA

Supplemental Life/AD&D

Parent Health

Dependent Care FSA

Long Term Disability

 

Qualified Transportation Accounts

Benefits and Payroll Contact Information

Genie Thompson, Sr. Benefits Administrator
301.321.5205 or genie.m.thompson@kp.org
Primary contact for benefits, new hire orientation and benefits administration

Patrick Ritter, Benefits Assistant
301.816.6529 or patrick.d.ritter@kp.org
Professional Expense Reimbursement processing, Long Term Care,  Legal Resources and Workers' Compensation.

Indrani Sengupta, HRIS  Assistant
301.816-6101 or indrani.sengupta@kp.org
Employment Verifications

Joe Shenego, Payroll Administrator
301.816.6611 or joseph.a.shenego@kp.org
Paycheck questions

Tracy Seibert , Payroll Administrator
301.816-6528 or tracy.a.seibert@kp.org
Paycheck questions