2022-2023 Benefits Showcase

Welcome to Asset Living!

Our people are our greatest asset at Asset Living. We're a company dedicated to growing communities and that starts with the family we've created at Asset Living. As a family of diverse backgrounds, unique ideas, and distinct personalities, together there are no limits to what we can accomplish.

As our greatest asset, we want to ensure you and your family and well cared for with flexible health benefits, including vision and dental. We created this site to help our valued employees understand the extensive benefits package Asset Living offers. Hand selected by the Asset Living Human Resources team, we are proud to present these benefits to you. This site will always be available for your reference, so we encourage you to save it as a bookmark in your preferred browser. Please feel free to visit this site whenever you or your family members need additional information regarding your benefits.

How to Navigate

Use the navigation bar at the top of this webpage to learn more about each benefits category. Information will be available from each carrier in the form of videos, various documents, and links. Please browse all of the content and reach out to our benefits team at NFP at the contact information at the bottom of each page for any questions.

We are so happy you've decided to join our team.

Leading with unrivaled passion, our mission is to foster community and drive a positive impact that reflects our belief that everyone deserves a place to call home. As a company, our vision is to serve our industry, communities, and partners as the most trusted partner in real estate.  

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2022-2023 Benefits Showcase

2022-2023 New-Hire Benefits Enrollment

All employees who work at least 30 hours per week and their eligible, dependents, are eligible for the benefits outlined in this showcase website.  

New Hires:

Your coverage begins on the first of the month following 60 days of employment. After your initial enrollment, you will have the opportunity to enroll again during open enrollment each year.

If you were hired through a property acquisition or company acquisition, your benefits generally will begin on the first of the month following your acquisition or hire date into the Asset HR platform.

Your coverage begins on the first of the month following 60 days of employment. After your initial enrollment, you will have the opportunity to enroll again during open enrollment each year.

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2022-2023 Benefits Showcase

Aetna Whole Health

Aetna offers a unique type of plan called Aetna Whole Health, which is an Accountable Care Organization (ACO). These plans are designed to improve the quality of your care, provide a better experience for you and your family and save you money. 

You may only enroll in this type of plan if you live in one of the counties/zip codes within each ACO. The tabs below will take you to each website so you may check to see if your provider participates in this special network.

Employee only cost of just $5.00 per month!

• Houston (select Aetna Whole Health - Memorial Hermann Accountable Care Network - Open Access Managed Choice POS - TX) 
• Dallas (select tab below)
• Arizona (select tab below)
• Atlanta (select Aetna Whole Health - Emory Healthcare Network and Northside Hospital System Plans - Aetna Health Network Only - GA)  
• Oklahoma City (select Aetna Whole Health - Integris Health Partners Network - Managed Choice/Choice POS II

Aetna Core Plans

Don’t worry if the Aetna Whole Health Network doesn’t work for your home zip code. Asset Living continues to offer our three core plans with Aetna with a very large network. It's important to utilize an in-network Open Access Managed Choice POS provider to take advantage of the negotiated discounts. A link is provided below for easy access. Aetna offers many special programs to members. We encourage you to spend time exploring the many resources and programs to help select the best health plan for you. Plan highlights are as follows:

Base $5,500 Copay Plan - Lowest Premium, Office Visit Copays and Highest  Deductible

HDHP $3,500 HSA Plan - Mid-Range Premium, Employer HSA Match, No Copays (All Ded/Coins)

Buy-Up $1,500 Plan - Highest Premium, Office Visit Copays and Smallest Deductible

Denver Division Healthcare Plans

Asset Living’s Denver division offers four United Healthcare plans.  Please make sure to go to an in-network United Choice Plus provider by searching www.myuhc.com. A link is provided below for easy access. United Choice Plus offers many special programs to members. We encourage you to spend time exploring the many resources and programs to help select the best health plan for you. Plan highlights are as follows:

HSA $5,000 Plan - $5,000 Deductible / $6,250 Limit

PPO $3,000 Plan - $3,000 Deductible / $6,250 Limit with copays for doctor visits and pharmacy 

PPO $2,000 Plan - $2,000 Deductible / $6,250 Limit with copays for doctor visits and pharmacy

PPO $1,000 Plan - $1,000 Deductible / $4,000 Limit with copays for doctor visits and pharmacy

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2022-2023 Benefits Showcase

Dental Insurance

Taking good care of your teeth and mouth is an important part of a healthy lifestyle. Practicing proper dental hygiene daily – brushing, flossing, and avoiding sugary foods and drinks – is only part of the oral health equation. It's also very important to schedule a visit with a dentist twice a year.  

As an active employee of Asset Living, dental insurance is offered through Mutual of Omaha. There are three plans to choose from, and all plans cover preventive care at 100%.

Dental Low Plan - Annual Benefit $750

Dental Medium Plan - Annual Benefit $1,500

Dental High Plan - Annual Benefit $2,250; Ortho Benefit $1,500

Vision Insurance

Enroll in VSP® Vision Care to get personalized care from a VSP network doctor at low out-of-pocket costs.

VALUE AND SAVINGS YOU’LL LOVE Save on eyewear and eye care when you see a VSP network doctor. Plus, take advantage of Exclusive Member Extras for additional savings. 

QUALITY VISION CARE YOU NEED You’ll get great care from a VSP network doctor, including a Well Vision Exam® — a  comprehensive exam designed to detect eye and health conditions.

Exam Copay:   $10 per year

Material Copay:  $10 per year 

Frame Allowance:  $220 | Contacts Allowance:  $130

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2022-2023 Benefits Showcase

Group Term Life and Accidental Death and Dismemberment

As an active employee of Asset Living, you have access to an Employer-Paid Term Life and Accidental Death and Dismemberment insurance policy from Mutual of Omaha. It replaces the income you would have provided, and helps pay funeral costs, manage debt and cover ongoing  expenses. 

When determining how much life insurance you need, think about the expenses you may encounter now and through every stage of your life.

Property Level employees are eligible for 1x annual salary to a max of $200,000 and participation in one of the medical plans is required.

Community managers/corporate employees (non-execs) are eligible for 1.5x annual salary to a max of $300,000; participation in a medical plan is NOT required. A beneficiary is required during enrollment.

Voluntary Life and AD&D

Voluntary Life and Accidental Death and Dismemberment (AD&D) provides a way to purchase additional life insurance for yourself, your spouse and/or your children at a very low cost. To be eligible for coverage, your dependents must be able to perform normal activities, and not be confined (at home, in a hospital, or in any other care facility), and any child(ren) must be under the age of 25. In order for your spouse and/or children to be eligible for coverage, you must elect coverage for yourself. 

As an employee, you can purchase $10,000 or up to five times your salary to a maximum of $500,000. Your guaranteed issue amount is $10,000 or up to five times your salary (up to $250,000). This means Mutual of Omaha must issue this policy regardless of any current medical conditions and the employee must be actively at work in order to be eligible.

Your spouse is eligible for $5,000 to 100% of your benefit to a maximum of $250,000. Guarantee Issue for your spouse is $50,000.

Your child(ren) are eligible for $2,500 to 100% of your benefit to a maximum of $10,000. Guarantee Issue for your child(ren) is $10,000.

Rates are based on five-year age bands and the amount you elect. As you go through the SWBC online enrollment system, you can toggle between different amounts to determine what best fits your financial needs. Check out the tab below to see your options.

Voluntary Short-Term Disability

This insurance offers financial protection by paying a cash benefit if you're disabled because of an injury or illness, a  significant change in your mental or functional abilities has occurred, for which you are prevented from performing at least one of the material duties of your regular job and are unable to generate current earnings which exceed 99% of your weekly earnings from your regular job.  

If you become disabled, there is an elimination period before benefits are payable. Your benefits begin on the eighth day of your disabling injury or illness. Your benefit is equivalent to 60% of your before-tax weekly earnings up to $750 per week for 25 weeks.  

Voluntary Long-Term Disability 

This insurance offers financial protection by paying a cash benefit if you're disabled because of an injury or illness, a  significant change in your mental or functional abilities has occurred, for which you are prevented from performing at least one of the material duties of your regular job and are unable to generate current earnings which exceed 99% of your weekly earnings from your regular job. You can be totally or partially disabled during the elimination period.

You must be injured or ill and unable to return to work for 180 days before this benefit begins paying 50% of your earnings to a maximum of $5,000 per month. Depending on the age of disability, this benefit could pay until you reach your Social Security retirement age.

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2022-2023 Benefits Showcase

Employee Assistance Program

Life isn’t always easy. Sometimes a personal or professional issue can affect your work, health and general well-being. During these tough times, it’s important to have someone to talk with to let you know you’re not alone. With Mutual of Omaha’s Employee Assistance Program, you can get the help you need so you spend less time worrying about the challenges in your life and can get back to being the productive worker your employer counts on to get the job done. Here are some of the key features:

• An in-house team of Master's level EAP professionals who are available 24/7/365 to provide individual assessments.
• Outstanding customer service from a team dedicated to ongoing training and education in employee assistance matters
• Access to subject matter experts in the field of EAP service delivery
• Three sessions per year (per issue) conducted by either face-to-face counseling or video telehealth via a secure, HIPAA-compliant portal National network of more than 10,000 licensed clinical providers 

Learn more about the Employee Assistance Program services available to you.

Call Mutual of Omaha: 800.316.2796

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2022-2023 Benefits Showcase

Accident Insurance

Don’t let an accident catch you off guard. Protect your family’s finances with Accident Insurance from United of Omaha Life Insurance Company.  

An accident insurance policy supplements your medical coverage and provides a cash benefit for injuries you or an insured family member sustain from an accident. This benefit can be used to pay out-of-pocket medical expenses, help supplement your daily living expenses and cover unpaid time off work.  

As an active employee of Asset Living, you may purchase this coverage for yourself and your family members, and premiums can be deducted from your paycheck. It’s a simple and affordable way for your family to receive added financial protection. Coverage guidelines and benefits are outlined below. 

There are two options to choose from, low and high. Check out the link for more information.

Critical Illness Insurance

As an active employee of Asset Living, you can give your family the extra security they need to lessen the financial impact of a serious illness by purchasing Critical Illness insurance through United of Omaha Life Insurance Company. 

A critical illness insurance policy provides a lump-sum cash benefit upon diagnosis of a critical illness like a heart attack, stroke or cancer. The benefit can be used to pay out-of-pocket expenses or to supplement your daily cost of living.

How much insurance is enough? Even if you have the best health insurance plan, it will not cover 100 percent of medical expenses. You also need to consider other expenses associated with the recovery process – time off work, travel to treatment centers, home modifications – that may quickly deplete your savings.

Employee: $5,000, $10,000, $15,000 (Guarantee Issue), $20,000

Spouse:  $5,000, 100% of Employee's CI Lump Sum, up to $10,000, $10,000 (Guarantee Issue)

Child(ren):  25% of Employees CI Principal Sum up to $5,000 (Guarantee Issue)

Hospital Indemnity Plan 

A lot of people worry about the expense of a hospital stay. Out-of-pocket costs can add up fast. This insurance plan sends you a lump-sum payment and a per-day payment for a hospital stay.

This is in addition to the other medical insurance coverage you may have. While medical plans typically cover a hospital stay, they don’t cover everything. The Aetna Hospital Plan can help you.

Lump Sum Benefit: $1,000 for the initial day of one inpatient hospital stay plus

Daily Benefit:  $100 per day for inpatient stay for up to 11 days

LifeLock

Everyday things like online shopping, banking and even browsing can expose your employees’ personal information and make them more vulnerable to cybercrime. Since cybercrime has evolved, we’ve evolved, too. LifeLock, a leader in identity theft protection and Norton, a pioneer in consumer cybersecurity, are now one company. 

Our innovative employee benefit plans will help protect an employee’s identity, personal information and connected devices from the myriad of threats they may face in their digitally connected homes and workplaces.

If you’re looking to offer your employees protection for today’s connected world, you’ll find the Norton LifeLock advantage is what you need.

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2022-2023 Benefits Showcase

How to Enroll

Welcome to the Online Enrollment System through SWBC. Once in the system, you'll navigate through the dashboard to make all of your elections. Make sure to have dependent information available, such as date of birth, social security information and all life insurance policies require beneficiary information.

Just follow the prompts and either make an election or waive each benefit. Once you've made all of your elections, you will need to "Submit" and "Complete Enrollment." If either of these steps are omitted, you will not be enrolled in your benefits for April 1, 2022.

Ready to go? Select the Enroll Now button below or review the helpful information in the sections below.

Your Dashboard

Click on the helpful link to Enroll Now! Enter your username and password.  

On the left side, below the company logo, is a list of all the various menu options available. You can process your benefit enrollment by clicking on the “Benefits” menu item. Sub-menu items will open. Click on the “Benefits Enrollment” link. This will take you directly to the benefits-enrollment page where you can select your benefits.

Once you have selected the “Benefit Enrollment” link, a new page will open. You'll see the different menu items to the left of the page indicating what step of the enrollment process you are in. You'll want to begin with the Dependents section to add any eligible dependents/beneficiaries you may want to enroll or assign.

Making and Submitting Your Selections

Be sure to select each benefit plan and make your elections before continuing to the next benefit. 

A few items to note:

• A green or gray checkmark next to the benefit indicates that you've selected or have waived coverage for that plan.
• You will see a “Running Total” of the benefits elected on the top right-hand corner.
• To enroll yourself and/or dependents, simply select a plan option and select the dependents you wish to cover.
• To view plan information, select “View.”
• If more than one plan option is available, you can “Compare” multiple plans. 
• You can continue to the next benefit by selecting “Next” on the bottom of the screen.

Submitting Your Selections

Once you've made all your selections, you'll have the option to review your “Benefit Summary” and “Submit” your selections. If any sections are missing a green checkmark, you will not be allowed to submit.

Completing Enrollment 

Once you've submitted, you'll want to check the acknowledgment box, enter your full name as it appears in payroll, and select “Complete Enrollment.” You'll then be able to print and/or download a copy of your summary page.

For Benefits Enrollment Site Technical Support, please reach out to the SWBC team by email linked below or call directly at 1-800-980-1200.

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