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INSURANCE BENEFITS FOR EMPLOYEES OF
MISSISSIPPI BAND OF CHOCTAW INDIANS
TRIBAL GOVERNMENT SERVICES DIVISION


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Vehicle Safety Policy (Effective January 1, 2017)
vehicle safety policy




All benefits offered by the Tribe are not extended to all employees. Please refer to the below information for each benefit to determine if you are eligible.

Major Medical Insurance

FEHB: Federal Employees Health Benefits

www.opm.gov

Regular full time and part time employees (working at least 16 hours per week) are eligible to enroll in FEHB. For 2020 employees have 18 different options. Please read the information carefully to determine what plan best fits your needs. There is a question and answer tool located on the OPM website that can assist you in determining which plan best fits your individual need. Refer to the rate sheet included with this information when you review, as the rates outlined for “Federal employees” is slightly different. The Mississippi Band of Choctaw Indians contributes more of the premium than the federal share indicated on the website. Your FEHB enrollment will be effective the 1st of the month after your date of hire, unless otherwise specified.

Example: hired on May 5, your effective date is June 1. You can review all the plans and different eligibility rules at www.opm.gov. (see the enclosed rate sheet with this packet)

Also, the Tribal FEHB handbook for Indian Tribal Governments is located on this website. Please review this handbook for full details of the FEHB program. All plans offered through FEHB meet ACA standards.

MBCI does participate in premium conversion. The plan you elect cannot be changed or canceled throughout the year unless you have a Qualifying Life Event (QLE) such as birth, death, marriage, divorce, adoption or loss of other coverage). If you do have a QLE, please notify the benefits office no later than 60 days after the event. Please refer to the FEHB handbook version dated 07/26/13 for full details.




Dental Insurance
Always Care
888.400.9304

www.alwaysassist.com

Providers may call to verify eligibilty or benefits by calling: 488-900-4304

Regular full time and part time employees are eligible

Dental insurance is effective the first of the month following your date of hire.

Example: You are hired May 5-- your effective date is June 1. The dental premium is a pre-tax payroll deduction.

Traditional Single Dental Coverage: $11.88 per pay period.

Traditional Family Dental Coverage: $18.79 per pay period.

Enhanced Single Dental Coverage: $18.70 per pay period.

Enhanced Family Dental Coverage: $33.25 per pay period.

Specific plan information is attached for the Traditional and the Enhanced Dental Plan options.

Dental coverage cannot be canceled or changed during the year unless you have a QLE (qualifying life event), such as birth, death, marriage, divorce, adoption or loss of other coverage) see the benefits office for complete details. If you do have a QLE the change must be made within 60 days.






Vision Insurance
Always Care
888.400.9304

Benefits: An employee is eligible to participate in the Vision Insurance after 90-days probationary period.All regular full time and part time employees are eligible to receive this benefit. This is a primary vision care benefit and is intended to cover only eye examinations and corrective eyewear. Medical or surgical treatment of eye disease or injury is not provided under this plan. Plan features include frame benefit, eyeglass lens benefit, and contact lens benefit. There’s a $10 co-pay for eye exams and $25 co-pay for materials.






Life Insurance Benefits Provided at no cost to the Employee:
UNUM

800.445.0402

Benefits: All regular full time and part time employees are eligible to receive a Life and Accidental Death & Dismemberment Insurance policy of $100,000. This is a term life policy; it does not accumulate any cash value. Your benefits could double if death results from an accident. At age 70, your amount of life insurance and accidental death and dismemberment benefits will be reduced by 50%. This policy will be effective on the first day of the month following the completion of the employee’s 90-day probationary period. The employee has the option of the purchasing additional coverage after the probationary period. (Up to $200,000 with no underwriting) The life policy has a conversion option upon termination. All premiums are fees associated are determined by UNUM.






Employer Paid Short Term Disability Insurance-Provided at no cost to the employee
UNUM

888.673.9940


Benefits: This short-term disability policy will provide the regular full time and regular part time employee with disability payments for a maximum of 6 months per sickness or accident. The weekly benefit is $150.00 less taxes (net pay $138.52). The employee must be medically disabled from working their full schedule, under a physician’s care and off work to file a disability claim. A one-week waiting period is required to be served on all illnesses; however, no waiting period is required on an accident disability claim. This benefit is only for non-work-related illness or injury. On a routine normal pregnancy and delivery, the maximum benefits paid up to six weeks. This policy will be effective on the first day of the month following the completion of the employee’s 90-day probationary period.




Long Term DisabilityUNUM
888.673.9940

Premiums: The employer will pay for a $500 per month benefit for each employee. The employee can elect an optional buy up of 60 % of their annual salary.

Benefits: This long-term disability policy will provide the regular full time and part time employee with an amount of $500.00 per month. This policy will be effective on the first day of the month following the completion of the employee’ 90-day probationary period. The employee must be completely disabled for a period of 6 months before a claim can be filed. This maximum benefit is payable for a period of five years or age 65 or whichever is greater. Benefits will be coordinated with Social Security benefits. Additional coverage may be purchased up to 60% of the employee’s annual salary. The additional premium will be payroll deducted bi-monthly.



401(k) Retirement Plan – Transamerica
Phone: 800.401.8726
www.ta-retirement.com


Benefits:

An employee is eligible to make Elective Contributions as of the first quarter following the date of hire and the attainment of age 18. An employee will be eligible for the Employer-Matching and non-matching contributions, if any, as of the first of the quarter following the completion of one Year of Service, in which you worked 1,000 hours or more, and the attainment of age 18.

**Employees have the opportunity to enroll/make changes in the plan each quarter. A notice will be distributed via e-mail, as well as through your supervisor, noting the deadlines for enrollments, changes, etc.

The employee may contribute from 1% to 25% of their gross pay up to an annual maximum, currently $19,500 for 2020 before Federal and State taxes withheld. The Mississippi Band of Choctaw Indians will match the employee’s contribution up to 8%. If the employee chooses not to contribute to their retirement account (and you are not a highly compensated employee), MBCI will contribute 3% of your gross pay to your account. To receive this 3% benefit the employee must complete an enrollment form.

For employees who are 50 and older would be eligible for catch up contributions if elected, with a maximum contribution for catch-up for 2020 at $6,500.00. Employees who elect the catch-up option must complete a new enrollment form each year.

Supplemental Insurance - UNUM

Supplemental benefits such as life, accident, disability, cancer, critical illness are optional. An enrollment for participation in supplemental benefits will be offered annually. Enrollment normally takes place in the Spring, Annually- effective October 1.

Deferred Compensation

Deferred Compensation is administered by the Tribal Finance office. Employees who are interested in Deferred Compensation may contact the Finance Office directly at 601-650-7445 or 601-650-1622 to receive further information.

Worker’s Compensation & Workplace Safety

The Mississippi Band of Choctaw Indians follows the rules of the Mississippi Workers’ Compensation Commission. It is your responsibility to report any injury received on the job, regardless of how minor, to your supervisor immediately. Ask your supervisor to document the details of the accident completely on the Supervisor’s Accident Report and First Report of Injury forms and contact the Risk Management / Insurance office immediately. Be a careful worker and develop good work habits.

Safety is top priority. Please report any unsafe condition to your supervisor and by telephone 601-663-7561/601-663-7555 or e-mail to riskman@choctaw.org Safety training is required for employees. Please contact your direct supervisor to coordinate with the Safety Office.

Employees operating Tribal Vehicles and Personal Vehicles for Tribal Business:

Any employee who is to drive a tribal vehicle at any time must read and understand the Vehicle Safety Policy adopted by Tribal Council Resolution CHO-16-076 effective January 1, 2017. This policy replaces the policy adopted by Tribal Council Resolution CHO-167-93 (1992) The employee must complete the required forms in this policy and be approved to drive a Motor Vehicle before operating a tribally owned vehicle or also in the event a personal vehicle is used for tribal business.




Payroll Deductions: Employees of the Mississippi Band of Choctaw Indians, Tribal Government Division are responsible for the payment of the premiums for FEHB dependent coverage and any other benefit that is payroll deducted, including the supplemental insurance deductions while on any leave of absence, including FMLA. Your failure to remit any monthly premium due within 30-days from your first day of absence will result in loss of coverage.

Risk Management Contact Information

Please inform us if you employed within the past 5 years at any of these companies and if so, when:

  • Chahta Enterprise
  • Choctaw Development Enterprise
  • Choctaw Electronics Enterprise
  • Choctaw Residential Center
  • Choctaw Manufacturing Enterprise
  • American Greetings
  • First American Plastics and Molding
  • First American Printing
  • Choctaw Resort Development Enterprise
  • Silver Star Hotel & Casino
  • Dancing Rabbit Golf Club
  • Golden Moon Hotel & Casino
  • Choctaw Shopping Center
  • Geyser Falls Water Theme Park
  • Choctaw Hospitality Institute
  • Choctaw Geo Resources Enterprise
  • Choctaw Geo Imaging
  • Applied Geo Technologies
  • IKBI
  • Ikona
  • Choctaw Holding Group
  • Frontier Ford- Choctaw Automobile Enterprise

Please notify the Risk Management / Insurance Office of any of the following changes immediately:

  • Name
  • Changes
  • Family Status Changes
  • Address Changes
  • Job Status Change (Full time, Part Time)
  • Department Location Change




If you need assistance please contact our staff at the numbers below.

EMPLOYEE BENEFITS
Pam WinnDirector
601.663.7503pwinn@choctaw.org
Mary Clark 601.663.7024 mary.clark@choctaw.org
Jenny Deon 601.650.1531 jenny.deon@choctaw.org
Lane Denson 601.650.1672 lalania.denson@choctaw.org
Shandra Hundley 601.650.1579 mary.clark@choctaw.org
Sandra Nickey 601.650.7562 sandra.nickey@choctaw.org
Tracy Shoemake 601.650.7481 tshoemake@choctaw.org
Kristi Willis 601.650.1544 kristi.willis@choctaw.org

SAFETY
Gary LillySafety Officer
601.663.7561glilly@choctaw.org
Robert GarciaSafety Trainer
601.663.7555robert.garcia@choctaw.org



different insurance logos


Insurance & Risk Management
PO Box 6086 ~ Choctaw, MS 39350
601.650.1579