Benefits Enrollment Frequently Asked Questions
Q: How do I enroll?
A: All benefits eligible employees (full-time, part-time, pay partial) complete Online Enrollment by logging on to Employee Self Service (ESS). Most team members will be able to enroll from home by logging on to http://employees.riversideonline.com and entering the password at the login page. If you don't know the password, please call the HelpDesk at (757) 534-7104. You can also log on to ESS from the Riverside Intranet main page link. Your have thirty (30) days from your hire date to enroll.
Q: What steps do I need to take to prepare for and complete online enrollment?
A: Please review the following:
- Update to a strong network password, if needed, before November 1st.
- Review the Benefit Plan Descriptions online.
- Ask questions as needed.
- Complete the Benefits Checklist.
- Login to Employee Self Service (ESS).
- Select the Benefits parent bookmark on the left.
- Add and/or update your dependent information as needed.
- Click on New Hire Enrollment
- Print and review your Enrollment Confirmation.
Q: Where can I find details on the various benefits selections?
A: You can find details on the Riverside Intranet Total Rewards site and on www.riversideonline.com/employees/enrollment.
Q: What is the password for the Employees link located at the top of each website page at www.riversideonline.com?
A: Please contact the HelpDesk at (757) 534-7104 if you need the password for the For Employees site.
Q: Who do I contact if I have questions about my benefit selections?
A: Your manager or Human Resources representative can answer many of your questions. The Total Rewards/Benefits staff is also available for questions at (757) 534-5544. You can also find contact information on the Riverside Intranet or www.riversideonline.com/employees/enrollment for the benefits providers.
A: The spousal surcharge is an additional premium that will apply when your spouse works full-time and has access to group health coverage from his/her employer but elects to decline that coverage, using Riverside Health System's health plan for primary coverage instead. The 2013 spousal surcharge will remain $100 per month or approximately $46.15 per pay period.
Q: If my spouse chooses Riverside Health System's health insurance because his/her company doesn't offer insurance, or my spouse is self-employed, would the surcharge apply?
Q: What if my spouse quits/loses his/her job but has access to COBRA, does COBRA constitute employer-sponsored coverage?
A: No. The spousal surcharge applies to those who are employed full-time and have access to employer-sponsored health care. COBRA coverage would not qualify as employer-sponsored health care. Medicare would not qualify as employer-sponsored health care, either.
Q: My spouse is unemployed. Do I have to pay the surcharge?
Q: My spouse is retired and has coverage based on his/her retirement. Do I have to pay the surcharge?
A: No. That is why the spousal surcharge is often called the working spousal surcharge.
Q: If my spouse does not have a job during Riverside's annual enrollment but starts working after I have elected to cover him/her under Riverside, do I have to pay the surcharge?
A: Yes, you will need to notify Total Rewards (Benefits Services) of this change. Please note that if your spouse becomes employed after the plan year begins, this is a qualifying event that will allow you to make new elections under Riverside's health plan. For example, you could choose to terminate your spouse's coverage under Riverside's plan and he/she could become covered under his/her employer's plan.
Q: My spouse works full- time and wants to elect Riverside's benefits as his/her primary coverage, even though his/her employer also offers health care coverage. Do I have to pay the surcharge to use Riverside as his/her primary benefits provider?
A: Yes, you will have to pay a surcharge for benefits under the Riverside health care benefit plans.
Q: If my spouse is covered by Medicare, a Medicare individual policy, or Medicaid, will the surcharge apply?
Q: What happens if my spouse picks-up coverage at his/her employer and sends in notification of their other coverage at a later time?
A: Upon receipt of a letter from the other employer showing the effective date of the group health insurance coverage, the spousal surcharge will be discontinued the first of the month following the receipt of the documentation. The documentation must be submitted within 30 days of the effective date of other coverage. No refund of health insurance premiums at the higher rate will be made.
Q: Is the spousal surcharge deducted before or after income tax?
A: The spousal surcharge will be included with the health care premium, so it is deducted before income taxes.