The Fond du Lac Insurance benefits include Medical, Dental, Prescription and Life Insurance for eligible employees.
Who is eligible?
You are eligible if you are a full-time employee working 32 hours or more per week. Your eligible dependents include your spouse and dependent children to age 19 to 26 years.
How do you join?
Complete and return the enrollment forms within 90 days of full time employment to guarantee coverage. Failure to enroll in this timeframe will be deemed waiver of participation and future coverage will not be available until the next open enrollment period.
When is coverage effective?
You are covered after 90 days of employment if you are actively at work, eligible, and all enrollment forms have been completed. Coverage begins the day following completion of the 90 day period.
Are pre-existing conditions covered?
If you are over the age of 19, any illness or injury for which you received any medical care, treatment or medication within 90 days prior to becoming covered under this Plan is a pre-existing condition. Benefits will be paid for these conditions after you are free of treatment for 6 months, or after you have been covered for 12 months.
What type of Life Insurance benefits are available?
Fond du Lac Reservation provides you with $25,000 of Group Term Life Insurance and an equal amount of Accidental Death and Dismemberment Insurance. You have the option of purchasing additional life insurance for yourself and your dependants. Look in the Plan Documents section below to see the complete schedule of benefits.
How can I check on an insurance claim?
To check on a claim status, you can call or Email the Medical Benefits Clerk listed below, or use the following UMR web link to check your claim information online.
UMR Member Portal
Flexible Benefits Plan
Through the FDL Flexible Benefit Plan, the employee has an opportunity to increase take home pay by reducing their taxes, while covering expenses such as daycare and unreimbursed medical expenses. Under the Flexible Benefits Plan, family medical and dental premiums are automatically deducted from the employee's paycheck on a pre-tax basis. This election is subject to the "use it or lose it" rule. Look in the Plan Documents section below to see the complete Flex Plan document.
Flex Plan Information Website
Compensation Consultants Ltd.
PO Box 720
Cloquet, MN 55720
phone 800/447-1690 or 218/879-6725
FDL Pharmacy Benefit Plan
Fond du Lac provides it's staff with a pharmacy benefit plan.
FDL Mgmt, Inc. Employees Disability Plan
Fond du Lac provides a short-term disability plan for the Management Inc. staff. For details, look in the Plan Documents section below.
For more information about the Disability Plan contact:
Employee Assistance Program
The Employee Assistance Program (EAP) is a benefit provided by FDL for you and your family. Every one of us experiences tough times in life when personal or work problems or a crisis affects our functioning. An EAP is designed to make free and confidential professional assistance available to help with life's stressors. Look below for the full information document.
NuVantage Employee Resource
For claim information or other questions or comments contact:
Medical Benefits Clerk