Benefits Overview

Important Points

Open Enrollment is Time Sensitive

No action is required if you are making NO changes to your coverage (medical or dental or the dependents you cover and if you DO NOT wish to participate or re-enroll in a Flexible Spending Plan for 2021.

Action IS required if you wish to make change to your coverage (medical or dental) or the dependents you cover or if you DO wish to participate or re-enroll in a Flexible Spending Plan.

Keep your contact information up to date

Please keep your address and phone number up-to-date by completing the address change form Address Change Form.

Labor Management Healthcare Fund (LMHF)

LMHF is a coalition of local municipal management and union leaders that have combined their efforts to create a team with a collaborative approach and shared responsibility between labor and management to produce and administer a plan of benefits that offers choice, flexibility and manageable costs for the members.

What can they do for you?

Assist you through any unresolved issues regarding your member ID cards, unpaid claims, etc. and answer any questions you have regarding your medical, Rx and dental benefits.

  • Education – surrounding the plan components, design and history
  • Customer Service – Specific to plan understanding, enrollment, and member ID card issues.
  • Wellness Initiatives – Provide ongoing wellness activities, seminars, and communication materials to educate and inform membership
  • Communication – Provide members with information relative to their plan, any upcoming changes (as determined by the LMHC with the exception of formulary changes and/or any NYS mandated changes), and other health related items.

Feel free to contact them through their website at https://lmhf.net/ or by calling them at (716) 601-7980. Office hours are Monday through Friday 8am-4pm.

Eligible Dependents

Eligible dependents include:

  • Legal spouse of employee
  • Child of Employee
  • Stepchild of Employee
  • Legally adopted child of an employee or spouse
  • Legal guardianship of a child awarded to employee or spouse
  • Child for whom health care coverage is required through a ‘Qualified Medical Support Order’

Required Dependent Documentation

It is required that any dependent covered by your insurance plan be verified within 60 days of the benefit start date. Failure to provide requested documentation within the timeframe will result in unverified dependents being removed from your coverage.

Labor-Management Healthcare Fund (LMHF) has retained a third-party administrator, Verifi1, to manage dependent verification and eligibility.

Either you can submit your documentation directly to Verifi1 or we can fax in your documentation. If you choose the later, please provide copies of dependent verification documents to HR with your enrollment forms.
LMHF Dependent Audit List of Documents
LMHF Dependent Audit-Verifi1

Life Qualifying Events (LQE)

Certain LQEs allow you to change your benefits before the next annual Open Enrollment period. You have 30 days from the Life Qualifying Event to make changes to your benefits.

Life Event Effective Date of Coverage Required Documentation
Marriage Date of Marriage Marriage License AND the current years federal or state tax return *see pdf for alternative documents
Birth Date of Birth Birth Certificate
Adoption/Legal Guardianship Date of Court Document Court Documents
Other Coverage Cancelled the day before New Coverage Begins Documentation indicating the date the new coverage begins
Loss of Other Coverage The day immediately following the date other coverage ends Documentation indicating the date the other coverage ended AND documentation if enrolling dependents
Divorce/legal Separation Date of Court Document Court approved divorce decree
Death of an employee or dependent Coverage ends on the date of death Death Certificate

Additional Benefits:

ECMC is proud to offer additional support to our employees. As a part of the ECMC family your overall health and well-being is important to us. We hope that you find these additional benefits valuable.

Employee Assistance Program (EAP)

The Employee Assistance Program provides cost-free professional consultation and referral services for ECMC employees who are experiencing work and personal related difficulties. EAP offers confidential support for everyday challenges and is available 24 days 7 days a week.

  • Alcohol/Drug Use
  • Anxiety
  • Depression
  • Family Relationships
  • Self-Esteem Issues
  • Stress Management
  • Grief

EAP Information

Website: www.evicore.com/eap
Login: EAP
For more information, please call eviCore EAP at (716) 712-2777

Wellness

ECMC’s Wellness program is designed to create a culture of well-being for our employees. Wellness is a lifestyle that is incorporated into every facet of daily life: physical activity, nutrition, emotional, and financial health. Cultivating a culture of wellness to reach your personal goals transforms something you need to do into something you want to do.

  • Monthly Wellness Wednesday events
  • Lunch and Learn
  • Yoga
  • Weight Loss and Fitness Challenges
  • And more – check out the HR page on the intranet to stay up to date on current wellness events. ECMC HR Intranet

*You must be enrolled into an ECMC BCBS of WNY plan to receive Wellness dollars for completing wellness actions.

Verification paperwork for part 1 and 2 is provided in the Wellness packet which can be obtained outside of the HR Office door. The employee and/or spouse can complete the wellness actions to receive your health spending debit card. If both parts one and two are completed, money will be loaded onto the same health spending debit card.

Part 1 Wellness Credit:

  • Complete Annual Physical
  • Complete “Employee Verification” section
  • Have physician complete “Annual Physical Verification”
  • Submit completed form to LMHF via hand delivery or mail
  • Receive $50 health spending card

Part 2 Wellness Credit:

  • Participate twelve (12) wellness activities
  • Complete Wellness Activity Redemption form with events and dates attended
  • Healthcare providers must complete and sign the Preventative Screening Verification form(s) or vaccination certification(s)
  • Completion of part 1 is required in order to receive credit for Part 2
  • Part 2 funds will be loaded onto the same card that you received for Part 1

https://lmhf.net/active

Voluntary Benefits

Sometimes called supplemental insurance or employee-paid benefits, voluntary benefits are offered by the employer through the workplace where employees can choose to buy the plans which are not offered as employer paid benefits, but they receive a group discount.

Voluntary benefits are insurance products that employees may choose to purchase with premiums paid through a pre or post-tax deductions from the employee’s biweekly paycheck.

  • All employees are eligible to enroll in voluntary benefits

Voluntary Benefits

(supplemental insurance or employee-paid benefits)
Union Company Type Offered
CSEA
AFSCME
PEARL, CARROLL & ASSOCIATES
1-585-610-3669
Representative: Jeff Braaten
Email: jeff.braaten@pearlinsurance.com
Disability, Life, Auto, Homeowners,Cancer, Accident
AFSCME
CSEA
MC
NYSNA
L & M AGENCY, INC.
Representative: Matt Newman
Cell: 716-308-3375
Email: mnewman@lmfs.net
AFLAC services, Disability,Hospital, Life, Cancer, Accident
AFSCME
CSEA
MC
NYSNA
C. J. SELLERS CO., INC.
Representative: Any
Athol Springs, NY 14010
716-627-5400
insurance@sellersinsurance.com
Disability, Life, Auto, Homeowners, Long Term Care
AFSCME
MC
AFLAC
Case Manager: Jill Spira
Phone: 716-341-6247
jill_spira@us.aflac.com
Fax: 716-692-0438
Disability, Life, Critical Illness
MC
NYSNA
FIRST UNUM
Representative: Karl Hamberger
37 Franklin St. Suite #600
Buffalo, NY 14202
Office: 716-843-3155
Cell: 716-604-4679
kehamberger@financialguide.com
Short & Long Term Disability
AFSCME
CSEA
MC
NYSNA
VALIC/AIG
Michael Williams, Financial Advisor
Cell: 716-388-8932
Michael.Williams2@aig.com
Shawn Barnum, Financial Advisor
Cell: 716-361-6250
Shawn.Barnum@aig.com
Ben Kopp, Financial Advisor
Cell: 716-255-4906
Benjamin.Kopp@aig.com
Deferred Compensation (457b)

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