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2022 EMPLOYEE BENEFITS GUIDE - desert financial credit union maricopa az


2022 EMPLOYEE BENEFITS GUIDE-desert financial credit union maricopa az

2022 EMPLOYEE BENEFITS GUIDE
TABLE OF CONTENTS
4 How to Enroll
5 Employee Eligibility
7 Benefit Costs
8 Medical Plans
10 Health Savings Account (HSA)
12 Alliance Network PPO
14 Dental Plan
15 Vision Plan
16 Flexible Spending Accounts (FSAs)
18 Life and Accidental Death & Dismemberment (AD&D) Insurance
19 Disability Insurance
20 Planning for Retirement
21 Additional Benefits
25 Cost of Coverage
26 Important Contacts
2
WELCOME
This guide provides a summary of the benefit options available for Desert Financial Credit Union employees. Please
review it carefully so you can choose the coverage that is right for you and your family.
As a new hire, your benefits will become effective the first of the month following 30 days of employment. Changes to
the medical, dental, or vision plans or to the Health Care or Dependent Care Flexible Spending Accounts, Supplemental
Life, Critical Illness, Accident insurance and Hospital Indemnity are only allowed at other times if you have a Qualified
Life Event (birth, marriage, divorce, adoption, etc.).
To get the best value from your health care plan, please take the time to evaluate your coverage options and determine
which plans best meet your health care and financial requirements. By being a wise consumer, you can support your
health and maximize your health care dollars.
3

Can you use Zelle with Desert Financial Credit Union? Desert Financial is not a part of Zelle’s partner network and at least one party is required to be enrolled with a Zelle partner bank or credit union. You will need to download the app and enter your Desert Financial debit card information. Zelle does not charge a fee to make instant same-day transfers.