Insurance - HL 255 (2)

The Conference Call  is over but wanted you to know there may still be time to signup:

From: Cone Retiree Healthcare Group - Benistar - Blue Cross Insurance

Date: 6/8/2016 1:39:26 PM

To: marksztanyo

Subject: Ready for July 01 Roll-out of the 27.5% HCTC Monthly Payment Process

 Join Us for a Conference Call June 9th 10:00 am - 11:30 am

Join US for a Conference Call and Webinar Date:  Thursday, June 9 Time:  10:00 - 11:30 am EDT Providing Details about the 27.5% Monthly Premium  Payment Process beginning July 01, 2016  Click Here to: Join WebEx meeting  Password is HCTC  (you cannot join the meeting until 15 minutes prior to the start of the meeting) To Dial in by Phone Toll-Free: 1-800-462-5837   (password: 264355) You can Call Our Call Center Today for More Info! 1-800-236-4782 New website address   www.HCTCPlans.com    Enrollment in the HCTC Monthly Program begins June 7! You Must Complete 2 Forms and provide the below mentioned documentation to enroll in the 27.5% Monthly Payment Process.  All forms can be found on the www.HCTCPlans.com website.  Here is what you will need to enroll: 1) IRS Form 13441-A (HCTC Registration Form) Health Coverage Tax Credit Enrollment & Update Form You can find Samples to complete your forms @ www.HCTCPlans.com  2) Blue Cross Blue Shield Michigan Nationwide Plan 2016 Pre-65 Insurance Enrollment Form  (Steel, Airline and Auto Industries have separate insurance forms) 3) Proof of Eligibility  (IRS form 1099-R, PBGC Confirmation Letter Copy of a PBGC Deposit Receipt with Company Name 4) The Electronic Funds Transfer Form (EFT)  (highly recommended) (a copy of a voided check must be included with this form) A one time 2 X  27.5% premium payment is required at enrollment in order to satisfy the prepayment of medical benefits to BCBSM prior to the month you will use the benefit, regardless of the month you decide to enroll,  Example: July 1 Start Gold Plan 27.5% Premium  July Payment Due      $486.74 August Payment Due $486.74                                 Total cost for July & August $486.74                                                                             September Payment Due  July 28                          1 Payment @ 27,5% Due July 28th $486.74 July 01, August 01 or September 01 This is a Life Event when you become Eligible  HCTC Monthly Program, you can Enroll Today! Effective July 01, 2016      Your September insurance premium will be due by July 28th.   Please insure your payment is received by Benistar no later than the 28th of each month going forward or you will have to pay 100% of the cost of your healthcare premium for the months it is not received on time. If you intend to take advantage of the EFT process, the form is available on the www.HCTCPlans.com website.  Email the completed form along with a copy of a voided check to Benistar   By using the EFT process, your payments will be posted on the first of each month.   The other acceptable forms of payment are (1) Check payable to Benistar Service Center or (2) Money Order.  If you use either of these forms of payment, you will need to complete the enrollment forms online so the plan administrator can upload that data to their system electronically in order to speed up the process. The plan administrator will need to have your account set up prior to receiving your check or money order.                          Current plan participants will need to Re-Enroll in the Insurance Plans, even if you are keeping the same plan.  Both required forms are fillable online and can be saved and emailed to he above address.  This will also allow us to capture any changes for current enrollees from January 2016 to your contact information and family members being added or becoming ineligible.  Go our Website for Complete Details on the Program   HCTCPlans.com Cone Retiree Healthcare Group Represents the Airline, Auto and Steel Industry Trusts Insurance Plans.  Go to our Website for Complete Details!  www.HCTCPlans.com  Airline Auto and Steel Trust Group Plans | Call Center:  Benistar  Service Center|  1-800-236-4782 | cathy@coneretireebenefits.com |www.HCTCPlans.com

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From: Delta

Date: 6/10/2016 10:01:03 AM

To: MARKSZTANYO

Subject: Summary Annual Report

To view this email as a web page, go here.

TO:                   Eligible Plan Participants

DATE:             June 15, 2016

SUBJECT:     Summary Annual Report

The Employee Retirement Income Security Act of 1974 (ERISA) requires that certain information be provided to government agencies. Among other things, the Annual Report for each Plan must be filed with the Internal Revenue Service. A summary of that report, called a Summary Annual Report must be furnished to each participant of the Plan. Summary Annual Reports deal primarily with financial aspects of the Plan. 
Below are the Summary Annual Reports for the Plan year of July 1, 2014 to June 30, 2015 for the following plans: 

• Delta Pilots Disability & Survivorship Plan
• Delta Pilots Medical Plan
• Delta Family-Care Medical Plan
• Delta Account-Based Healthcare Plan 

You are being provided this Summary Annual Report because you are an eligible Plan participant in one or more of the plans listed above. We hope that these reports will provide you a better understanding of the financial aspects of these valuable benefit Plans. If you have questions about these reports or would like to request a copy of the full report, please contact the Employee Service Center at 1-800-MYDELTA between 8 AM and 5 PM Eastern time.
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Regards,

Greg Tahvonen
Vice President
Total Rewards & Global HR

Summary Annual Report
The Delta Pilots Disability and Survivorship Plan

This is a summary of the annual report for the Delta Pilots Disability and Survivorship Plan (the "Plan") (Employer Identification Number 58-0218548, Plan No. 504) for the period of July 1, 2014 to June 30, 2015.  The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Delta Air Lines, Inc. has committed itself to pay certain disability and survivorship claims incurred under the terms of the Plan and, until January 1, 2013, the Plan provided sick and vacation pay benefits.  

Insurance Information

The Plan has a contract with MetLife Insurance Company to pay all basic life insurance claims incurred under the terms of the Plan. The total premiums paid for the policy year beginning January 1, 2014 and ending December 31, 2014 were $5,817,281.

Basic Financial Statement

The value of the Plan assets, after subtracting liabilities of the Plan, was $973,303,687 as of June 30, 2015, compared to $1,032,078,873 as of July 1, 2014. During the plan year, the Plan experienced a decrease in its net assets of $58,775,186. This decrease included unrealized appreciation or depreciation in the value of the Plan's assets; that is, the difference between the value of the Plan's assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. During the plan year, the Plan had total income of $92,445,150 including employer contributions of $77,294,166, gains from investments of $149,172, and realized gains of $15,001,812 from the sale of assets. Plan expenses were $151,220,336. These expenses included $2,722,004 in administrative expenses, and $148,498,332 in benefits paid to participants and beneficiaries and payments to insurance carriers.

Your Rights to Additional Information

You have the right to receive a copy of the full annual report, or any part thereof, on request.  The items listed below are included in that report: 

• An accountant's report
• Assets held for investment
• Transactions in excess of 5% of plan assets
• Insurance information, including sales and commissions paid by insurance carriers
• Financial information and information on payments to service providers
• Loans or other obligations in default or classified as uncollectible
• Information regarding any common or collective trusts, pooled separate accounts, master trusts, or 103-12 investment entities in which the plan participates 

To obtain a copy of the full annual report, or any part thereof, write or call the Plan Administrator, Health and Welfare Benefits, Delta Employee Service Center, Post Office Box 52045, Phoenix, AZ 85072. The telephone number is 1-800-MY-DELTA. A copy will be provided at no charge.

You also have the right to receive from the Plan Administrator, on request and at no charge, a statement of the assets and liabilities of the Plan and accompanying notes, or a statement of income and expenses of the Plan and accompanying notes, or both.  If you request a copy of the full annual report from the Plan Administrator, these two statements and accompanying notes will be included as part of that report.

You also have the legally protected right to examine the annual report at the main office of the Plan, Delta Air Lines, Inc., Human Resources, 1030 Delta Boulevard, Atlanta, GA  30354, and at the U.S. Department of Labor in Washington, D.C. or to obtain a copy from the U.S. Department of Labor upon payment of copying costs.

Requests should be addressed to:

U.S. Department of Labor
Employee Benefits Security Administration
Public Disclosure Room, N-1513
200 Constitution Avenue, N.W.
Washington, D.C. 20210 

Summary Annual Report
The Delta Pilots Medical Plan

This is a summary of the annual report of the Delta Pilots Medical Plan (the "Plan") (Employer Identification Number 58-0218548, Plan No. 503) for the period of July 1, 2014 to June 30, 2015. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Delta Air Lines, Inc. has committed itself to pay all medical, mental health, prescription drug and dental claims incurred under the terms of the Plan.

Basic Financial Statement 

The value of the Plan assets, after subtracting liabilities of the Plan, was $3,067,687 as of June 30, 2015, compared to ($418,659) as of July 1, 2014. During the plan year, the Plan experienced an increase in its net assets of $3,486,346. During the plan year, the Plan had total income of $48,667,468 including employer contributions of $32,921,771, employee contributions of $15,742,946, and earnings from investments of $2,751.  Plan expenses were $45,181,122. These expenses included $1,838,346 in administrative expenses and $43,342,776 in benefits paid to participants and beneficiaries.

Your Rights to Additional Information

You have the right to receive a copy of the full annual report, or any part thereof, on request.  The items listed below are included in that report.

• An accountant's report
• Assets held for investment
• Transactions in excess of 5% of plan assets
• Financial information and information on payments to service providers

To obtain a copy of the full annual report, or any part thereof, write or call the Plan Administrator, Health and Welfare Benefits, Delta Employee Service Center, Post Office Box 52045, Phoenix, AZ 85072. The telephone number is 1-800-MY-DELTA. A copy will be provided at no charge.

You also have the right to receive from the Plan Administrator, on request and at no charge, a statement of the assets and liabilities of the Plan and accompanying notes, or a statement of income and expenses of the Plan and accompanying notes, or both. If you request a copy of the full annual report from the Plan Administrator, these two statements and accompanying notes will be included as part of that report. 

You also have the legally protected right to examine the annual report at the main office of the Plan, Delta Air Lines, Inc., Human Resources, 1030 Delta Boulevard, Atlanta, GA 30354, and at the U.S. Department of Labor in Washington, D.C. or to obtain a copy from the U.S. Department of Labor upon payment of copying costs.

Requests should be addressed to:

U.S. Department of Labor
Employee Benefits Security Administration
Public Disclosure Room, N-1513
200 Constitution Avenue, N.W.
Washington, D.C. 20210 
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Summary Annual Report
The Delta Family-Care Medical Plan 

This is a summary of the annual report of the Delta Family-Care Medical Plan (the "Plan") (Employer Identification Number 58-0218548, Plan No. 501) for the period of July 1, 2014 to June 30, 2015. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Delta Air Lines, Inc. has committed itself to pay certain medical, mental health, prescription drug and dental claims incurred under the terms of the Plan.

Insurance Information

The Plan has contracts with Blue Cross Blue Shield of Hawaii and Humana Health Plans of Puerto Rico, Inc. to pay certain medical, mental health, prescription drug and dental claims incurred under the terms of the Plan.  The total "non-experience rated" contract premiums paid for the policy year beginning January 1, 2014 and ending December 31, 2014 were $157,029.   

Because the contract with Humana Health Plans of Puerto Rico, Inc. is a so-called "experience rated" contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the policy year ended December 31, 2014, the premiums paid under this "experience-rated" contract were $26,481 and the total of all benefit claims paid under this "experience-rated" contract during the year was $22,855. 

Basic Financial Statement

The value of the Plan assets, after subtracting the liabilities of the Plan, was $911,535 as of June 30, 2015, compared to ($336,484) as of July 1, 2014. During the plan year, the Plan experienced an increase in its net assets of $1,248,019. During the plan year, the Plan had a total income of $34,475,718 including employer contributions of $17,985,214, employee contributions of $16,489,361, and earnings from investments of $1,143.  Plan expenses were $33,227,699. These expenses included $2,378,098 in administrative expenses and $30,849,601 in benefits paid to participants and beneficiaries and premiums paid to insurance carriers.

Your Rights to Additional Information

You have the right to receive a copy of the full annual report, or any part thereof, on request.  The items listed below are included in that report.

• An accountant's report
• Assets held for investment
• Transactions in excess of 5% of plan assets
• Insurance information, including sales and commissions paid by insurance carriers
• Financial information and information on payments to service providers

To obtain a copy of the full annual report, or any part thereof, write or call the Plan Administrator, Health and Welfare Benefits, Delta Employee Service Center, Post Office Box 52045, Phoenix, AZ 85072. The telephone number is 1-800-MY-DELTA. A copy will be provided at no charge.

You also have the right to receive from the Plan Administrator, on request and at no charge, a statement of the assets and liabilities of the Plan and accompanying notes, or a statement of income and expenses of the Plan and accompanying notes, or both. If you request a copy of the full annual report from the Plan Administrator, these two statements and accompanying notes will be included as part of that report.

You also have the legally protected right to examine the annual report at the main office of the Plan, Delta Air Lines, Inc., Human Resources, 1030 Delta Boulevard, Atlanta, GA 30354, and at the U.S. Department of Labor in Washington, D.C. or to obtain a copy from the U.S. Department of Labor upon payment of copying costs.

Requests should be addressed to:

U.S. Department of Labor
Employee Benefits Security Administration
Public Disclosure Room, N-1513
200 Constitution Avenue, N.W.
Washington, D.C. 20210 

Summary Annual Report
The Delta Account-Based Healthcare Plan

This is a summary of the annual report of the Delta Account-Based Healthcare Plan (the "Plan") (Employer Identification Number 58-0218548, Plan No. 544) for the period of July 1, 2014 to June 30, 2015. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Delta Air Lines, Inc. has committed itself to pay certain medical, mental health, prescription drug and dental claims incurred under the terms of the Plan.

Insurance Information

The Plan has contracts with Blue Cross Blue Shield of Hawaii and Humana Health Plans of Puerto Rico, Inc. to pay certain medical, mental health, prescription drug and dental claims incurred under the terms of the Plan.  The total "non-experience rated" contract premiums paid for the policy year beginning January 1, 2014 and ending December 31, 2014 were $3,754,318.

Because the contract with Humana Health Plans of Puerto Rico, Inc. is a so-called "experience rated" contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the policy year ended December 31, 2014, the premiums paid under this "experience-rated" contract were $590,791 and the total of all benefit claims paid under this "experience-rated" contract during the year was $509,906. 

Basic Financial Statement

The value of the Plan assets, after subtracting the liabilities of the Plan, was ($30,077,788) as of June 30, 2015 compared to a liability of ($40,683,502) as of July 1, 2014. During the plan year, the Plan experienced an increase in its net assets of $10,605,714. During the plan year, the Plan had a total income of $728,171,989 including employer contributions of $577,600,713, employee contributions of $150,568,889, and earnings from investments of $2,387. Plan expenses were $717,566,275. These expenses included $35,492,788 in administrative expenses and $682,073,487 in benefits paid to participants and beneficiaries and premiums paid to insurance carriers.  

Your Rights to Additional Information

You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report.

Your Rights to Additional Information

You have the right to receive a copy of the full annual report, or any part thereof, on request.  The items listed below are included in that report.

• An accountant's report
• Assets held for investment
• Transactions in excess of 5% of plan assets
• Insurance information, including sales and commissions paid by insurance carriers
• Financial information and information on payments to service providers

To obtain a copy of the full annual report, or any part thereof, write or call the Plan Administrator, Health and Welfare Benefits, Delta Employee Service Center, Post Office Box 52045, Phoenix, AZ 85072. The telephone number is 1-800-MY-DELTA. A copy will be provided at no charge.

You also have the right to receive from the Plan Administrator, on request and at no charge, a statement of the assets and liabilities of the Plan and accompanying notes, or a statement of income and expenses of the Plan and accompanying notes, or both. If you request a copy of the full annual report from the Plan Administrator, these two statements and accompanying notes will be included as part of that report. 

You also have the legally protected right to examine the annual report at the main office of the Plan, Delta Air Lines, Inc., Human Resources, 1030 Delta Boulevard, Atlanta, GA 30354, and at the U.S. Department of Labor in Washington, D.C. or to obtain a copy from the U.S. Department of Labor upon payment of copying costs.

Requests should be addressed to:

U.S. Department of Labor
Employee Benefits Security Administration
Public Disclosure Room, N-1513
200 Constitution Avenue,
N.W.Washington, D.C. 20210

 


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