Benefits Enrollment

                   

Login to Employee Online to make your 2017-18 benefits elections

What is Benefits Open Enrollment?

Open enrollment is a window of time when LPS allows you to change your insurance "elections." This means that you can choose to add or drop coverage (for example, you may have passed on vision insurance when you were hired, but later decide that you want that benefit). Here are some of the benefits you should consider during LPS’ open enrollment:

  • Add, drop, or change medical, dental or vision coverage for you and your dependents.
  • Enroll in a health savings account (HSA), which lets you defer money from your paycheck, pre-tax, to pay medical bills.
  • Re-enroll in the medical spending, limited dental/vision or dependent care spending accounts. Enrollment is required annually.

Ready to submit your benefit elections for 2017-18?

Human resources representatives and computers will be available at the open enrollment meetings to answer your questions and assist you with submitting your benefit elections for 2017-18 in Employee Online. 

What has changed this year? 

  • Cigna OAP Plan – no changes
  • Kaiser DHMO Plan – no changes
  • Cigna CDHP with HSA and Kaiser HDHP with HSA – preventative drugs covered at 100%
  • Vision – no changes
  • Dental – deductible and out-of-pocket maximum accumulators are changing from calendar year (January to December) to fiscal year (July to June)
  • Life Insurance – no changes

Pre-Tax vs. After-Tax Elections

You have the option of paying for your benefits with pre-tax or after-tax dollars. Pre-tax elections are deducted from your gross pay before tax is calculated on your earnings. This reduces your gross taxable wages and the tax withheld from your pay. After-tax elections are made with the money left in your paycheck after taxes are deducted. This is the amount available for your after-tax insurance premiums.

If you are within five years of retirement, you should consider enrolling in the after-tax option to maximize your future PERA retirement benefits. In order to maximize your PERA retirement benefit, you should not participate in any of the Section 125 plans. You may participate in a Health Savings Account, however.

HSA Qualified Plans Cover Preventative Drugs at 100%

Starting with the 2017-18 plan year, employees who choose the Cigna CDHP or Kaiser HDHP plan are eligible to receive preventative drug coverage at 100%! In addition to this benefit, these HSA Qualified Plans also allow you to save money on a compounded basis for healthcare expenses. An HSA account will not expire and your account goes with you if you ever leave the district.

Employee Online - Your LPS Online Employee Portal is Accessible 24/7

Employee Online is for the exclusive use of current and former employees of LPS. Employee Online is accessible on any computer at home or work and will allow you to access information and records regarding your employment. 

  • Personal Information – add and change your home address, phone number, and family information.
  • Payroll Information – view your direct deposit, 401(k), 403(b), 457(b), check stubs, tax information, and W-2 information.
  • Insurance Benefits – medical, dental, vision, dependent life plans, coverage and cost to you.
  • Job Assignment Information – position(s), dates of service, and salary.

Recommended browsers are Internet Explorer or Safari.

Human Resources is located on the second floor of the Education Services Center at 5776 S Crocker Street. Hours: 7:30 AM to 4:30 pm Monday through Friday.

Annual Re-enrollment Required

You MUST re-enroll to elect your 2017-18 contributions to the Flexible Spending Account for health care, limited dental/vision, and dependent care.

The 2017 IRS Annual Flexible Spending Account (FSA) benefit for health care and limited dental/ vision is up to a maximum of $2,600 and for dependent care, it is $5,000.


What if I don’t take action?

If you choose not to take action, coverage will “roll over” and you’ll be on the same plan for the next plan year. So take the time to review your options; otherwise, you will have to wait until the next Open Enrollment period unless you experience a qualified life event (such as getting married, having a baby, changing job status) to make changes.


Are you within Five Years of Retirement?

If you are within five years of retirement, in order to maximize your PERA retirement benefit, you should not participate in any of the Section 125 plans. You may participate in a Health Savings Account, however.

 

ENROLLMENT FAQs

 How long is the open enrollment period?

Benefits open enrollment is May 16, 2017 through May 31, 2017 for an effective date of July 1, 2017. You may make as many changes as you like during this period.


 What is my employee number?

Your employee number is a six-digit number that was assigned to you when you started working for LPS. You use this number to login to Employee Online and LARS, but your passwords may be different for each program. If you have any trouble logging in to Employee Online, call Jerusalen Barrios, Records Technician, at (303) 347-3364 or by email to jbarrios[at]lps.k12.co[dot]us.

Please note, changes made after midnight on May 31, 2017 will not be accepted. Human Resources is open from 7:30 AM to 4:30 PM, Monday through Friday.


 Do I have to make my benefits elections online?

Employees must make their benefit elections online through Employee Online. If you have any trouble logging in to Employee Online, call Jerusalen Barrios, Records Technician, at (303) 347-3364 or by email to jbarrios[at]lps.k12.co[dot]us.


 Can I use Chrome when accessing Employee Online?

The information is best displayed in Internet Explorer. While you might see most of the information in Chrome, you might lose some of the functionality of the system. For best results, please use Internet Explorer to make your benefits elections.


 How do I make sure that my family members are covered?

First, you will add your family members on Employee Online. When you make your benefits elections, you'll check the box next to the family members that you'll be covering.


 I want my HSA, FSA Health, and/or FSA DENTAL/VISION elections to be the same as last year. The system is giving me a message that says, "Nothing saved because no changes have been made." How do I make my elections and make sure the system has accepted them?

After you have entered your HSA or FSA contribution amount, the system requires some type of change. We suggest you type something in the notes field on the FSA election screens like, "Same as last year." Once you do that, your elections will save.


 I'm planning on retiring soon. Is there anything special I need to do?

If you are within 5 years of retirement, you should consider:

  1. Dropping participation in the Section 125 Plan Premium Only Plan (POP) by electing the after-tax option for the medical, dental and/or vision plans to maximize your future PERA retirement benefits.
  2. Not enrolling in the Section 125 Plan general purpose health flexible spending, limited health flexible spending account (dental/vision only) and dependent care flexible spending account to maximize your future PERA retirement benefits.
  3. PLEASE NOTE: Health Savings Accounts (HSA), 401(k), 403(b), and 457(b) contributions do not affect your future PERA retirement benefits. It is not necessary to stop those enrollments prior to retirement to maximize your future PERA retirement benefits.

 I don't have ANY changes to my benefits elections. What do I need to do?

If you have FSA Health and/or FSA DENTAL/VISION you must login and enter your contribution amounts (see above for a helpful tip).

If you do not have any FSA elections, and you have absolutely no other changes to your benefits elections, you don't need to do anything. That's right, you don't need to do a thing. Human Resources will roll your prior year benefits elections to the corresponding next year benefit plans.

For additional information, please refer to the Newsletter and Orange Flyer that was distributed to each employee. You may also reference emails sent from HR and the Benefits Open Enrollment Instructions located on the Employee Intranet - Inside LPS.


 How do I know that my benefits elections have been accepted and that I'm enrolled in the plans I want?

After you have made your benefits elections, you will receive an email notification for each request submitted. After open enrollment closes, you will receive a second email notification when each request is approved or denied. Additionally, your election choices are visible in the Open Enrollment Summary View screen that loads automatically after each benefit election is made. All elections made will show "Request Pending" in the Enrollment status column.


 What happens if I don't take any action?

If you do not have any FSA elections, and you have absolutely no other changes to your benefits elections, you don't need to do anything. That's right, you don't need to do a thing. Human Resources will roll your prior year benefits elections to the corresponding next year benefit plans.

For additional information, please refer to the Newsletter and Orange Flyer that was distributed to each employee. You may also reference emails sent from HR and the Benefits Open Enrollment Instructions located on the Employee Intranet - Inside LPS.

After the open enrollment period ends on May 31, 2017, Human Resources will get to work approving requests and submitting your information to the appropriate carriers. On July 1, 2017 you may log in to Employee Online and view your benefits options by clicking on "Insurance" under the Benefits section from the menu that runs down your screen on the left.

Your current benefit plans will be viewable in the Insurance Benefits screen. You can still get detailed information on your plan by going to www.littletonpublicschools.net, For Staff, Benefits.