Announcement
2025 Employee Benefits Guide
November 11, 2024
Click HERE for the pretty PDF version of this guide.
Benefits at LVT
2025 Contacts
Medical
SelectHealth
(800) 538-5038
www.selecthealth.org
Health Savings Account
HealthEquity
(866) 346-5800
www.healthequity.com
Voluntary Accident, Critical Illness, Hospital
Voya
(877) 236-7564
https://presents.voya.com/EBRC/LiveView
For escalated claims and product questions:
GBS Voluntary Department
(801) 819-7744
vbcustomerservice@gbsbenefits.com
Dental
Beam
(800) 648-1179
www.beambenefits.com
Vision
Beam
(800) 648-1179
www.beambenefits.com
Life and AD&D
Disability
Mutual of Omaha
(800) 228-7104
www.mutualofomaha.com
401(k)
GBS Retire
(801) 819-7709
info@gbsretire.com
Human Resources
Paul Turner, HR Manager
(702) 772-6401
Paul.turner@lvt.com
Open Enrollment & Claims Support
Allison Miner, GBS Account Manager
(801) 819-77963
Allison.miner@gbsbenefits.com
Raquel Goodbeau, GBS AM Support
(801) 819-7789
Raquel.Goodbeau@gbsbenefits.com
This guide is designed to highlight your benefit options so that you can make the best possible decisions for you and your family. Use this guide as your go-to-resource when you’re enrolling for benefits and throughout the plan year. The choices you make will remain in effect during the plan year, unless you have a qualifying major life event. We are committed to providing our employees with quality benefits programs that are comprehensive, flexible and affordable. Giving our employees the best in benefit plans is one way we can show you that as an employee, YOU are our most important asset.
Table of Contents
- Benefits Overview
- Online Benefits Enrollment
- Medical
- Prescription Savings
- Health Savings Account
- Accident
- Critical Illness
- Hospital Indemnity
- Dental
- Vision
- Life and AD&D
- Disability
- 401(k)
- Cost of Coverage
Benefits Overview
Making wise decisions about your benefits requires planning. By selecting benefits that provide the best care and coverage, you can optimize their value and minimize the impact to your budget. The best thing you can do is “shop” for benefits carefully, using the same type of decision-making process you use for other major purchases.
1. Take advantage of the tools available to you. That includes this guide, access to plan information, provider directories, and enrollment materials.
2. Be a smart shopper. If you were buying a car or purchasing a home, you would do a lot of research beforehand. You should do the same for benefits because the wrong decision could be costly.
3. Don’t miss the deadline and keep record of your enrollment! Pay attention to the enrollment deadline and be sure to provide the Benefits Team with your benefit elections in a timely manner. It is important to review your paycheck to ensure the accuracy of payroll deductions. Notify the Benefits Team immediately if there are any discrepancies.
Who Is Eligible?
If you are hired as a full-time employee working 30 or more hours per week, coverage will begin on the first day of the month following day of hire of qualified employment. You may also enroll your eligible dependents in the same plans you choose for yourself. Eligible dependents include your legal spouse or domestic partner and your natural, adopted or step-child(ren). The dependent age limit for children on your medical plan is age 26, but may vary for other benefits offered.
When Do I Enroll?
You can enroll for coverage within 30 days of your date of hire, or during the annual open enrollment period. Outside of your open enrollment period, the only time you can change your coverage is within 30 days after you experience a qualifying event.
Making Changes During The Year
The IRS provides strict regulations about the changes to pre-tax elections during the plan year. Once you enroll in benefits, you will not be able to make any changes to your elections until the next annual open enrollment period, unless you experience a qualified life event. Qualified life events include, but are not limited to:
› Change in your legal marital status
› Change in number of dependents
› A dependent no longer meets the eligibility requirements
› You and/or your dependent becomes eligible or loses eligibility for Medicare, Medicaid or the Children’s Health Insurance Program (CHIP)
› Employee or dependents change in employment status resulting in loss or gain of eligibility for employer sponsored benefits
› A court or administrative order
It is your responsibility to notify the Benefits Team within 30 days after a qualified life event. Any benefit changes must be directly related to the qualified life event.
When Coverage Ends
For most benefits, coverage will end on the last day of the month in which:
› Your regular work schedule is reduced to fewer than 30 hours per week
› Your employment with Liveview Technology ends
Your dependent(s) coverage ends:
› When your coverage ends, or
› The last day of the month in which the dependent is no longer eligible
Health Care Reform and You
For the most up-to-date information regarding the ACA, please visit www.healthcare.gov.
In addition to the plan information in this Benefits Guide, you can also review a Summary of Benefits and Coverage for each medical plan. This requirement of the ACA standardizes health plan information so that you can better understand and compare plan features. We will automatically provide you a copy of the SBC and Uniform Glossary annually during open enrollment. Please contact the Benefits Team should you need an additional copy.
Online Benefits Enrollment
Employee Navigator
Please follow the steps below to elect or waive coverage for the current plan year.
Information Needed When Adding Dependents
› Name
› Social Security Number(s)
› Dates of Birth
› Home Address (if separate from yours)
Step 1: Getting Started
› Click the link below or in your web browser type www.employeenavigator.com
› Username – If you have misplaced your credentials, reach out to Human Resources.
› Reset Password – Employees can reset passwords on login screen.
› Click “New User Registration” (first time user)
› Two-Factor Authentication – You will be prompted to set up the authentication. Any authenticator app can be linked to successfully log into Employee Navigator and can be easily downloaded on your mobile device. Two of the most common authenticator apps are Google Authenticator and Microsoft Authenticator.
› Create Your Account:
• First Name
• Last Name
• Company Identifier LiveViewTech
• Last 4 Digits of SSN
• Birth Date
› On the home screen (once logged in) look for “Start Enrollment”.
Step 2: Verify Your Personal and Dependent Information
› Personal Information – Validate all information is accurate.
› Dependent Information:
• To update information, click “Edit”, upon completion click “Save”.
• Select “Add Dependent” if you currently do not see them listed.
› Once all your dependents have been added/updated, click “Save & Continue”.
› Please note: If your company offers supplemental life insurance you need to add your spouse and children as dependents in this screen.
Step 3: Making Your Open Enrollment Elections
› Complete all benefits through each step of the enrollment process (enroll or waive).
› Click “Save & Continue” at the end of each benefit screen.
Step 4: Confirm Your Elections
› Upon completion, please verify everything in the “Enrollment Summary Screen”.
› Click “Click To Sign” to complete your open enrollment elections.
Download the Full Plan Summary
Download the SelectHealth Flyer
Out of State Employees Provider Search Flyer
Download the Full Plan Summary
Download the SelectHealth Flyer
Out of State Employees Provider Search Flyer
Prescription Savings
Strategies to Save
The average American spends about $1,300 each year on prescription drugs. And with
drug prices on the rise, 1 in 4 Americans are paying more today than they were a year ago. Consider the following ways to help lower your bills for pills:
› Go generic or ask your doctor or pharmacist if there’s a similar drug with a generic version.
› Compare prices by using an app, like GoodRx, to find the least expensive option. Call stores and pharmacies as well.
› Order a 90-day supply and look into a mail- order program.
› Sign up for a drugstore or chain store reward program to receive coupons and accumulate points.
› Use a preferred pharmacy in your network. If you have prescription drug questions, talk to your pharmacist for additional cost-cutting tips and guidance.
GoodRx
Stop paying too much for your prescriptions! With the GoodRx Comparison Tool, you cancompare drug prices at over 70,000pharmacies, and discover free coupons and savings tips.
Isn’t health insurance all I need?
Your health insurance provides valuable prescription and other health benefits, but a smart consumer can save much more, especially for drugs that are not covered by health insurance (weight-loss medications, some antihistamines, etc.), drugs that have limited quantities, drugs that can be found for less than your copay, or drugs with a lower priced generic.
How can I find these savings?
The GoodRx Comparison Tool provides you with instant access to current prices on more than 6,000 drugs at virtually every pharmacy in America.
1. On the web: https://www.goodrx.com/ Instantly look up current drug prices at CVS, Walgreens, Walmart, Costco, and other local pharmacies.
2. On your phone: Available in the App Store or Google Play. Or, simply visit m.goodrx.com from your phone.
Please Note:
› Prescription drug pricing displayed on the GoodRx Comparison Tool may be more or less than your insurance drug card.
› Please be sure to compare all discount pricing options before you purchase.
› Check your insurance carrier’s pharmacy benefit before purchasing a 90-day supply.
Health Savings Account
HealthEquity
A Health Savings Account (HSA) paired with our qualified high deductible health plan helps you and your family plan, save and pay for qualified health care expenses. An HSA empowers you to build savings for health care expenses in a tax advantaged account.
Advantages of Health Savings Accounts
A Health Savings Account (HSA) is a tax advantaged savings account that you own and control. Here are some of the benefits:
› Funds roll over from year-to-year and never expire
› Portable when you move jobs or retire
› Triple tax advantage: you won’t pay taxes on contributions, distributions, or earnings
› Able to invest your funds to grow your money tax-free
› Contribution elections can be changed mid- year without a life event
Who Is Eligible?
You must be enrolled in our qualified high deductible health plan and meet the following requirements:
› Have no other health insurance coverage except what’s permitted by the IRS
› Not be enrolled in Medicare
› Not be claimed as a dependent on someone else’s tax return
How Much Can I Contribute To An HSA?
Each year the IRS establishes the maximum contribution limit. The chart below represents the limits for 2025. These limits are for the total funds contributed, including company contributions, your contributions and any other contributions. Please keep in mind you can change your HSA allocation at any time during the plan year.
Qualified Health Care Expenses
You can use money in your HSA to pay for any qualified health care expenses for you, your spouse and your tax dependents, even if they are not covered on your plan.
Qualified health care expenses are designated by the IRS (Publication 502). Examples of qualified health care expenses include: your insurance plan deductibles, copayments, and coinsurance; doctor’s office visits; prescriptions; dental treatments and x-rays; and eyeglasses and vision exams.
Important
Any funds you withdraw for non-qualified expenses will be taxed at your income tax rate plus a 20% tax penalty if you're under age 65. After age 65, you pay taxes but no penalty.
Documentation is Key
An HSA can be used for a wide range of health care services within the limits established by law. Be sure you understand what expenses are HSA qualified, and be able to produce receipts for those items or services that you purchase with your HSA. You must keep records sufficient to show that:
› The distributions were exclusively to pay or reimburse qualified medical expenses,
› The qualified expenses had not been previously paid or reimbursed from another source, and
› The qualified expense had not been taken as an itemized deduction in any year. Do not send these records with your tax return. Keep them with your tax records.
Qualified Medial Expenses
Accident
Voya
Accident insurance can help provide you with a cushion to help cover expenses and living costs when you get hurt. While you can count on health insurance to cover medical expenses, it doesn’t usually cover indirect costs that can arise with a serious or even not-so-serious injury. With accident insurance, the benefits you receive can help take care of these extra expenses and anything else that comes up.
With Voya Group Accident Insurance you can have peace of mind knowing:
› Coverage is guaranteed issue – no evidence of insurability required at initial enrollment.
› Benefits are paid directly to you unless assigned to someone else.
› Benefits are paid in addition to any othercoverage.
Critical Illness
Hospital Indemnity
An inpatient stay in the hospital is expensive, and there may be additional costs unrelated to your stay such as having a baby or missing work. Hospital Indemnity coverage pays a cash benefit when you are admitted for an inpatient stay for a minimum of 20 confinement hours. You can use the monies to pay for medical bills not covered by insurance, or in any way you see fit.
With Voya’s Group Hospital Indemnity Insurance:
› Benefits from a Hospital Indemnity plan can be used to assist you in paying deductibles, coinsurance, out-of-network costs, daily living expenses, etc.
› Benefits are paid regardless of other coverage and this plan is compatible with Health Savings Accounts.
Download the Full Plan Summary
Download the Full Plan Summary
Download the Full Plan Summary
Life and AD&D
Mutual of Omaha
Basic Life Insurance and Accidental Death and Dismemberment (AD&D)
Liveview Technologies provides all eligible employees with a basic group life insurance and accidental death and dismemberment coverage at no cost to you.
Voluntary Life Coverage
You also have the option to purchase additional life insurance coverage for yourself, your spouse / domestic partner and your dependent children to age 26. However, you may only elect coverage for your dependents if you elected additional coverage for yourself. You pay for the cost of additional coverage through payroll deductions on a post-tax basis.
Beneficiary Designation
We recommend you designate a beneficiary for your life insurance policy(ies). A beneficiary is the person (or people, estate, trust, etc.) to whom benefits will be paid to in the event of your death. You may change your beneficiary at any time during the plan year.
Disability
Mutual of Omaha
Employer Paid Short-Term Disability
Short-term disability provides a source of income should your qualified disability keep you from working for more than a week. Employer Paid Long-Term Disability Long-term disability provides an ongoing source of income if your disability is prolonged.
Definition of Disability
The definition of disability is used to determine an employee’s eligibility for benefits. An individual’s physical or mental inability to perform the major duties of his/her occupation because of illness or injury.
Download the Full Short-Term Disability Summary
Download the Full Long-Term Disability Summary
401(k)
GBS Retire
Employer Contributions
The Company will make a “Safe Harbor” matching contribution to the plan. This means the Company will make a contribution to the account equal to 100% of the first 3% and 50% on the next 2% of the pay you defer to the Plan.
Vesting Schedule
Vesting refers to the percentage of your account you are entitled to receive upon the occurrence of distributable events. The values of your contributions to the Plan and any earnings they generate are always 100% vested (including rollovers form previous employers).
› The employer discretionary match contribution is immediately 100% vested.
› The employer safe harbor match contribution is immediately 100% vested
› The employer profit-sharing contribution is immediately 100% vested.
Investment Choices
The contributions you make to the Plan are held in a Trust Account. The Plan Trustee(s) periodically review the financial advisors and investment options offered to Plan Participants. Please contract your HR representative for a current list of these investment options and education materials.
Investment Changes
You can switch between investment alternatives as often as is permitted under the chosen investment.
How to Join the Plan
Once you are eligible to participate in the Plan, you may enroll online with Transamerica. If your Plan allows, you may change your deferral amount or opt out via the web or by calling the Voice Response System.
Cost of Coverage
January 1, 2025 - December 31, 2025
Employee Cost Per Month
The benefits in this guide are effective January 1, 2025 – December 31, 2025. This benefit guide serves as a summary of material
modifications regarding certain plan provisions or costs for the 2025 plan year. This guide is an overview and does not provide a
complete description of all benefit provisions. For more detailed information, please refer to your plan benefit booklets or summary
plan descriptions (SPDs). The plan benefit booklets determine how all benefits are paid.
