Review Benefit Programs

Review or Enroll in Coverage
Review or make new coverage elections in ADP.
Changes will be effective January 1, 2022.
No Changes to Benefits?
NO ACTION is needed.
However, if you use an FSA, you must re-enroll in ADP.
Deadline for Changes
Wednesday, November 17, 2021.
If you need an extension, please contact Alison Spring.

 

Medical

2022 Medical Premiums

All NGE medical premiums will have a small increase for the 2022 plan year. Our premiums are calculated based on the number and cost of NGE claims in the previous year ( also called our claims experience) and the trend (expected inflation and projected future claims). 

Review your 2022 medical premiums in ADP or in CollaborateYou will receive an email with a link to view your 2022 personalized materials (premiums, medical plan scenarios, etc.) at the start of open enrollment.

Available Medical Plans

Choose the best plan for you

Choosing a medical plan is a personal decision, and there is not always a “right” choice.  The right medical plan for one person or family may be totally different for another. We've prepared some hypothetical scenarios and guidance for selecting the right plan.  You can also contact Alison Spring if you would like help determining which plan is right for you.

ID cards

New BlueCross ID cards will be issued to everyone enrolled in coverage. Cards will be mailed to your home address at the end of December. To request a new ID card or print a temporary one, log into BCBS. You may also download the BCBSIL app and show your card to your provider.

Dental

What is dental insurance?

A form of health insurance that pays for costs associated with dental care for teeth and gums, including preventative care and cleanings.  Not all procedures are covered, for example, cosmetic procedures such as whitening. The plan pays a portion of the cost for services such as fillings, root canal, crown, and orthodontics for children.  Cost varies by plan.

Available dental plans

We offer a PPO and a DHMO plan. For additional detail about the plans, review the PPO and DHMO plan highlights.

Dental Networks:

Delta Dental of Illinois

Delta Dental PPO Network

AND

Delta Dental Premier Network

Can you see any provider?

YES.

If you choose a PPO Network provider you will receive the lowest out-of-pocket costs.

If you choose a Premier Network provider, your services will be covered, however, your out-of-pocket costs may be higher than the PPO Network, but lower than non-network providers.

If you choose an out-of-network provider, the services will be covered, but at a lower percentage. You may have the highest out-of-pocket costs.

Dental HMO (DHMO)

Dental Networks:

Delta Dental of Illinois

DeltaCareNetwork

Can you see any provider?

NO.

For services to be covered, you must select a provider in the DeltaCare network.

If you need to see a specialist, the primary dentist will need to give you a referral.

If you choose a provider that is not your current DHMO primary dentist (or referred specialist), the services will not be covered.

Which plan is right for you?

The right dental plan for one person or family may be totally different for another. We've prepared some hypothetical scenarios and guidance for selecting the right plan. You can also contact Alison Spring if you would like help determining which plan is right for you.

ID cards

Log in to Delta Dental to request a duplicate card, print a copy from the site, or download the Delta Dental app and show your card to your provider. If you have DHMO coverage, you will receive a new card each time you select a new dentist.  Call Delta Dental at 800-942-3772 if you are changing providers. If you are electing coverage for the first time, new cards will be mailed to you at the end of December.

Vision

What is vision coverage?

Vision insurance covers routine preventative eye exams and glasses or contacts lenses once every 12 months for each covered member. Co-pays and discounts apply to most services to reduce the cost.

Our provider and network

EyeMed Vision provides coverage on the Insight Network. For additional detail about the plan please review the EyeMed plan highlights.

Utilizing benefits

When you are ready to get an eye exam or glasses/contacts, confirm your provider accepts EyeMed to get the maximum benefit.  No preauthorization is required and there are no forms to fill out.  The provider will submit the information directly to EyeMed.  You only pay your portion of the bill.  If you choose a provider that is not in-network, some benefits are still available.

ID cards

Log into EyeMed to request a duplicate card, print a copy of your card, or download the EyeMed app and show your card to your provider. If you are electing coverage for the first time, new cards will be mailed to you at the end of December.

 

Health Savings Account (HSA)

What is a Health Savings Account (HSA)?

Health Savings Accounts (HSAs) are like personal savings accounts, except the money is used to pay for health care expenses.  You own and control the money in your HSA (and not your employer or insurance company). Additionally, the money you deposit/contribute is not taxed. 

What’s changing?

Beginning January 1, 2022, the firm will offer pre-tax deductions for contributions made to an HSA administered by Health Equity, the firm's new administrator. Partners will also be able to have contributions sent directly to Health Equity on a post-tax basis. 

  • If you currently have an HSA with Health Equity:
    Your account will become part of the NGE plan and you will be able to contribute directly from your paycheck.  Select a contribution amount in ADP during open enrollment, or any time during 2022, to start contributions from your check.
  • If you have an HSA with a different administrator than Health Equity:
    You may open a Health Equity account and make pre-tax contributions directly from your paycheck OR you can continue contributing to your HSA and take a tax credit when you file your taxes the following year. 
  • If you don't currently have an HSA:
    You may elect to open an HSA account during open enrollment or anytime during 2022 by making an election in ADP.  After your enrollment, an account will be set up with Health Equity and payroll deductions will be taken on a pre-tax basis and deposited into your HSA account. 

If you currently contribute to your HSA by direct deposit from your NGE paycheck, you will need to stop your direct deposit either in ADP or with Karen Estes. You will be responsible for ensuring that you are eligible to contribute to an HSA plan and that the contribution you elect to make is the appropriate amount. 

2022 HSA contribution limits are increasing $50 for self only and $100 for family coverage.

2022 contribution limit:

  • $3,650 for self only
  • $7,300 for family coverage
  • Additional $1,000 catch-up contribution for participants age 55 or older.

In order to be eligible to open and contribute to an HSA, you must be enrolled in a high deductible health plan. 

Benefits of a Health Savings Account (HSA)

Triple tax advantage:

  • All contributions are tax-free.  Reduce your taxable income by contributing.
  • Income earned is tax-free.  Interest and earnings in your account accumulate tax-free.
  • The money you spend is tax-free.  As long as you use the HSA funds for qualified medical expenses, you will not owe taxes on any withdrawals.

The firm allows you to select the financial institution that works best for you.  As mentioned above, in 2022 you can select Health Equity as your administrator.  Once selected, you have flexibility in determining when and how much your HSA contribution will be.  Change your deduction as often as you wish or make a lump sum contribution any time.  Any unused money at the end of the year stays in your account and is yours indefinitely.

Making your HSA contributions

Select a contribution method that works for you, and have the flexibility to change it as often as you with.

  • *NEW* Set up a pre-tax recurring contribution. Make contributions directly from your paycheck by electing the HSA administered by Health Equity in ADP. Deductions can be started, stopped and changed throughout the year in ADP. Partners can take advantage of convenient recurring contributions from your paycheck. Tax benefits will occur when taxes are filed.  
  • Make a one-time annual or additional contribution. You can make deposits (after-tax) at any time directly with Health Equity (or  your own administrator) at any time. You will be able to get the tax benefit when you file your taxes. 

Questions about setting up contributions can be directed to Alison Spring

Who can participate in a Health Savings Account (HSA)?

You must be enrolled in NGE’s HD 1500 or HD 3000 medical plan (or another qualified high deductible health plan (HDHP)).

Important:  You may not contribute to an HSA if:

  • You are covered by another health plan that is not a high deductible health plan.
  • You are enrolled in Medicare Part A, B, and/or D.  Being eligible for Medicare does not change your eligibility to contribute to an HSA.
  • You are claimed as a dependent on another person’s tax return.

For more information about HSA plans, please refer to IRS publication 969 Health Savings Accounts.

Health Care Flexible Spending Account (FSA)

What is a Health Care Flexible Spending Account (FSA)?

Set aside a portion of your paycheck in a separate account before taxes for eligible out-of-pocket healthcare expenses.

Health Care FSA contribution limit

You may elect any amount up to the 2022 FSA annual contribution limit, $2,750.

What is the benefit of using an FSA account?

As an FSA account holder, you are able to pay for many of your medical, dental and vision expenses with pre-tax funds.  You will have access to your funds at the start of the year. 

Calculate your tax savings here.

When can you change your election?

Once you make your 2022 Healthcare FSA election, it can’t be changed during the year unless you experience a qualifying life event. 

What can you spend your FSA funds on?

A variety of items like medical, dental, and vision co-pays, deductible, co-insurance you pay to providers (doctors, lab tests, hospital stay).  Review a detailed list of eligible expenses.

Who can participate in an FSA?

You must be enrolled in the NGE PPO 1200 medical plan OR covered by a plan outside of NGE in order to participate in the NGE Health Care FSA.

Dependent Care Flexible Spending Account (DCFSA)

What is a Dependent Care Flexible Spending Account (DCFSA)?

A flexible spending account that allows you to put aside a portion of your paycheck into a separate account before taxes for eligible dependent care expenses each year.

How much you can contribute?

The Dependent Care FSA contribution limit is $5,000 per household; $2,500 per person (if married and filing separately).

Benefits of using a Dependent Care FSA account

You are able to pay for eligible dependent care expenses with pre-tax funds.

What type of expenses are eligible?

The list includes things like childcare centers, babysitters, summer day camps, and eldercare.  Review a detailed list of eligible expenses here.

Who can participate in a Dependent Care FSA?

All benefit-eligible employees and non-partner attorneys can participate.  Partners are not eligible.

When can you change your election?

Once you make your 2022 Dependent Care FSA election, it can’t be changed during the year unless you experience a qualifying life event.

 

401(k)

Contributions

You can contribute to your 401(k) pre-tax or after-tax (Roth) up to the IRS annual contribution limits. Changes to your contributions can be made at any time at Schwab.

401(k) Maximum Contribution limits:

  • 2021 $19,500 ($26,000 with catch up)
  • 2022 $20,500 ($27,000 with catch up)

An additional catch-up contribution of up to $6,500 is allowed for participants 50+ years old.

Automatic savings increase

Each January 1st, the 401(k) plan will automatically increase your contributions by 1% until you reach a 15% contribution to help you save for retirement. Studies have shown that savings rates need to be much higher than the traditional 3%. When you save 15% or more, up to the IRS annual contribution limits, you are more likely to reach your retirement saving goals.

In November you will receive communication from Schwab reflecting your upcoming contribution increase. You may change your contribution to any amount prior to January 1, 2022. Even if you have previously declined the contribution change, you need to actively make the election each year. If you do not take action, your contribution will be increased starting with the first check of 2022. You may opt-out of these increases at any time.

  • If your contribution is 1–2% or you are not currently contributing:  Your contribution will be increased to 3%.
  • If your contribution is 3–14%:  Your contribution will be increased by 1% each year until you reach 15%.
  • If your contribution is 15% or higher:  Your contribution will not change.
  • If you are contributing a flat dollar amount:  Your contribution will not change.
  • If you already have auto-escalation set up to increase your contribution each year:  Your contribution will not increase in January (unless you elect to change the timing of your auto increase to January).

Flat dollar contributions do not increase annually. If you wish to maximize your contribution, change your election to a percentage or increase your flat dollar contribution at the start of 2022. Question about 401(k) contributions can be directed to Alison Spring or Karen Estes.

 

Life Insurance

Basic Life Insurance

(Partners have a separate life insurance policy.  Please contact Alison Spring with questions.)

What is life insurance?

Life insurance pays a death benefit if you die from natural causes or an accident. *some exclusions may apply. The firm provides two (2) times your salary in life insurance up to a maximum of $700,000 of coverage.  The cost is shared by you (20%) and the firm (80%). Any additional life insurance coverage you elect for yourself or your family is voluntary and you will pay the cost of that coverage. Your 2022 premiums will increase slightly based on our recent renewal with the carrier. Review the rate change in ADP.

Designating beneficiaries

Your beneficiaries receive the proceeds if you die. You may select or change your beneficiary elections in 2 ways. 

1.  Submit a beneficiary designation form at any time.  Completed forms should be returned to the Benefits Department

OR

2.  Enter or change your beneficiary election in ADP.

In the case of death, the most recent election on file is used. 

Short & Long Term Disability Coverage

What is disability coverage?

Disability insurance (short-term disability and long-term disability) are insurance policies that provide income replacement for covered individuals if they become unable to work due to an illness.

Short term disability

Short-term disability is income replacement for short-term illness or injuries, typically longer than a week. Short-term disability coverage at NGE lasts for up to 180 days (6 months).  Common reasons for a short-term disability leave include the birth of a child, hospitalization, or recovery from an injury. An administrator will make a determination by looking at your medical provider statement and medical records to approve your time off.  NGE will pay you once your leave has been approved.

NGE’s short-term disability (STD) is automatically provided to benefit eligible employees and attorneys. There is no premium paid by employees or attorneys for this plan.  Salary replacement income is paid by NGE.  Medical determinations are made by our administrator, UNUM.

Long term disability

Long-term disability is income replacement for longer-term illness, lasting more than 180 days.  Common reasons include stroke, cancer treatment and long-term health conditions that leave the person unable to work. Long-term disability payments are 60% of regular earnings. Long-term disability payments generally end when you recover, reach the normal social security retirement age, or death.

NGE’s long-term disability (LTD) coverage is automatically provided to benefit eligible employees and attorneys.  If you have an LTD claim, the benefits paid are tax-free.  Enrollment in the LTD policy is not optional.  UNUM is the insurance provider for this coverage.

Accidental Death & Dismemberment (AD&D) Insurance

What is accidental death and dismemberment AD&D?

Accidental Death & Dismemberment is insurance.  Payments from this policy are made if you die from an accident or a smaller scheduled amount for accidental dismemberment. 

How much AD&D do you have?

The firm provides two (2) times your salary in AD&D insurance up to a maximum of $700,000 of coverage.  The cost is shared by you (20%) and the firm (80%).  Any additional AD&D insurance coverage you elect for yourself or your family is voluntary and you will pay for the cost of that coverage.

Designating beneficiaries

Your beneficiaries receive the proceeds if you die. You may select or change your beneficiary elections in 2 ways.  In the case of a death, we use the most recent election.

1.  Submit a beneficiary designation form at any time.  Completed forms should be returned to the Benefits Department. >

OR

2.  Enter or change your beneficiary election in ADP.

Voluntary Life Insurance

(Partners have a separate life insurance policy.  Please contact Alison Spring with questions.)

What is voluntary life insurance?

In addition to the basic life insurance provided by the firm, you may elect to add additional life insurance for you and your family. 

How much life insurance coverage you can elect?

  • Voluntary Employee Life Insurance:  Elect up to 5 times your base salary up to a maximum of $1,000,000. Coverage can be elected in increments of $10,000.* 
  • Voluntary Spouse Life Insurance:  Elect up to $500,000 of coverage in increments of $10,000.*
  • Voluntary Child Life Insurance:  Elect up to $16,000 of coverage in increments of $2,000. 

*Any increase in voluntary life insurance will require evidence of insurability before an increase in coverage is approved.

You must have voluntary employee life insurance for at least the same amount or more than the coverage you elect for your spouse or child(ren).  For example, if you elect $50,000 of spouse life insurance you must have $50,000 or more of employee voluntary life insurance.  Employee basic life insurance does not count toward this requirement. 

When can you elect or change your voluntary life insurance coverage?

Voluntary life insurance can only be increased, decreased and new coverage requested during open enrollment.  If you experience a qualifying life event during the year (such as marriage, birth) you can make a change consistent with the event.

*Any increase in voluntary life insurance will require evidence of insurability before an increase in coverage is approved. Click here to view the evidence of insurability form.

How much does it cost?

Voluntary life insurance for yourself and your spouse/domestic partner is based on age and the amount of coverage elected.  Review the cost of coverage in ADP. If either you or your spouse/domestic partner have moved into a new rate band, your rate will increase for the 2022 plan year.

Designating beneficiaries

Your beneficiaries receive the proceeds if you die.  You may select or change your beneficiary elections in 2 ways: 

1.  Submit a beneficiary designation form at any time.  Completed forms should be returned to the Benefits Department

OR

2.  Enter or change your beneficiary election in ADP.

In the case of death, the most recent election on file is used. 

Voluntary AD&D Insurance

(Coverage for employee, spouse, and children)

What is voluntary Accidental death & dismemberment insurance?

In addition to the basic AD&D insurance provided by the firm, you may elect to add additional AD&D insurance for you and your family.

How much AD&D coverage you can elect

  • Voluntary Employee AD&D Insurance:  Elect up to 10 times your base salary up to a maximum of $1,000,000. Coverage can be elected in increments of $10,000. 
  • Voluntary Spouse AD&D Insurance:  Elect up to $500,000 of coverage in increments of $10,000.
  • Voluntary Child AD&D Insurance:  Elect up to $16,000 of coverage in increments of $2,000.

AD&D coverage does not require evidence of insurability.

You must have voluntary employee AD&D insurance for at least the same amount or more than the coverage you elect for your spouse or child(ren).  For example, if you elect $50,000 of spouse AD&D insurance you must have $50,000 or more of employee voluntary AD&D insurance.  Employee basic AD&D insurance does not count toward this requirement.

When you can elect or change your voluntary coverage?

Voluntary AD&D insurance can be increased, decreased or new coverage requested only during open enrollment.  If you experience a qualifying life event during the year (such as marriage, birth) you can make a change consistent with the event.  Changes are not allowed during the year.

What you can change during open enrollment?

You can add, increase/decrease, or remove coverage for yourself, your spouse and/or children. 

No medical questions are required to add or increase coverage.

How much does it cost?

Voluntary AD&D insurance is based on the amount of coverage you elect.  Review the cost of coverage in ADP.

Designating beneficiaries

Your beneficiaries receive the proceeds if you die.  You may select or change your beneficiary elections in 2 ways.  In the case of a death, we use the most recent election. 

1.  Submit a beneficiary designation form at any time.  Completed forms should be returned to the Benefits Department

OR

2.  Enter or change your beneficiary election in ADP.

In the case of death, the most recent election on file is used. 

 

Voluntary Protection Policies

The firm is now offering 3 voluntary policies, issued by UNUM, effective January 1, 2022.

1.  Accident Insurance

Accident insurance can provide benefits of set dollar amounts for covered accidents that occur off the job. The benefits vary based on the type and severity of the accident. Coverage can be selected for yourself or add your spouse and/or child(ren). Premiums are based on the level of coverage elected and paid on an after-tax basis. This type of coverage is often considered a supplement to your existing medical benefits, to give you money to help pay your unexpected medical expenses.

For additional details, review the Accident Insurance Highlights.

2.  Critical Illness Insurance

Critical Illness insurance is available to help participants cover the out-of-pocket expenses associated with a critical illness. You may elect coverage for yourself in lump sum increments of $10,000, $20,000 or $30,000.  Spouse and/or child(ren) coverage can be elected and will be 50% of the employee elected coverage automatically. Premiums are based on the level of coverage and age of the employee and paid on an after-tax basis. This type of coverage is often considered a supplement to your existing medical benefits, to give you money to help pay your unexpected medical expenses related to a set of defined critical illnesses.

For additional details, review the Critical Illness Insurance Highlights.

3.  Hospital Indemnity Insurance

Hospital indemnity insurance is designed to help provide financial protection for covered individuals by paying a benefit due to hospitalization following a surgery, maternity, etc.  In some cases, it would cover treatment received for an accident or sickness, even if that treatment occurs outside the hospital. Coverage can be selected for yourself or add your spouse and/or child(ren).

Premiums are based on the level of coverage elected and paid on an after-tax basis. This type of coverage is often considered a supplement to your existing medical benefits, to give you money to help pay your medical expenses related to a set of defined hospitalization.

For additional details, review the Hospital Indemnity Insurance Highlights.

 

 

Transit / Parking

*New – Change your transit and parking election changes in ADP. You can start, stop and change your transit elections in ADP – no form required. Deadlines remain the same: election changes must be entered by the 5th of the month. Reminder: Transit and parking account balances roll over automatically into the new plan year (2022).

What is the transit and parking program?

Elect to have your commuting cost deducted on a pre-tax basis and save an average of 30% on your commuter cost. Transit and parking accounts are separate and funds do not cross between plans. If you are planning to drive, you need to elect the parking program. If you are planning to use funds for public transportation, you will elect the transit program. You can elect both programs if you drive to a train station and then take public transit or if you switch between driving and public transportation. Funds cannot be transferred between transit and parking plans.

How the pre-tax transit and parking program works:

  • When you first enroll, a debit card will be mailed to your home. You can set up your online account at www.discoverybenefits.com or by downloading their app. From the website/app you can view your account balance and submit claims.
  • Deductions are taken from your paycheck once a month. The funds are then credited to your transit and/or parking account at WEX (formerly Discovery Benefits).
  • When you are ready to purchase a ticket, reload your Ventra card, or pay for commuter parking, you can use your WEX (formerly Discovery Benefits) debit card to pay for the purchase. If your card is not available, you can submit a claim to reimburse yourself.

How long can the funds stay in your transit/parking account?

Your funds can stay in your account(s) for as long as you are employed at NGE. They roll over year to year.

How long do you have to submit a claim?

Claims for expenses must be submitted within 180 days of the expense being incurred.

Who manages the transit and parking program?

WEX (formerly Discovery Benefits) is the transit and parking program administrator.

How to change your election?

Pre-tax transit & parking elections can be started, stopped or changed monthly. Election changes can be made in ADP. Go to Myself > Benefits > Benefit Enrollments and select Year Round Enrollment. Choose Transit and make the appropriate change. Changes submitted prior to the 5th of the month will be included in deduction/enrollment changes the same month.

Financial Resources

Financial Security is an important piece of your well-being. We provide several resources and services to help you keep your finances on track and secure.

Norton LifeLock Identity Protection

What is the benefit?

The Firm pays for individual identity protection coverage provided by LifeLock to all benefit-eligible attorneys and staff. Coverage can be extended to your family members (in the same household) for $11.49/month. Upgrade your coverage in ADP.  Additional information about the program can be found here.

How to access your benefit:

Access your Norton LifeLock account at my.norton.com. For pre-enrollment questions, call 866-917-2555 or email EB_Service@symantec.com.

Health Advocate

What is the benefit?

Health Advocate is offered by the firm at no additional cost to you. The services are available for all employees, spouses, domestic partners, dependent children, parents, and parents-in-law.

Services include:

  • Finding the right doctor (and helping you make the appointment)
  • Transfer medical records (and coordinate the transfer of x-rays and lab results)
  • Work with insurance companies on your behalf to get any necessary approvals and coordinate benefits.
  • Resolve claims and billing issues
  • Answer benefit questions (understand how your benefits work and find options for non-covered services)
  • Clarify tests and treatments (understand medical conditions, test results and treatment options)
  • Help with eldercare (find adult daycare, home health care, and other support services)

Additional information about the program can be found here

How to sign up:

Go to www.healthadvocate.com, click "Member Login" and search for Neal Gerber Eisenberg. From the website you can get help with billing issues, finding a doctor and sending a message to an advocate.

Caring for your family

Caring for your family is top of mind. These resources can help you care for your family.

Bright Horizons

What is the benefit?

As part of the Firm’s benefits program, you have access to Back-Up Care with Bright Horizons. You can use the service at a daycare center or have someone come to your home for a very reasonable rate. Your benefit includes up to 10 days of care per year. Click here for more information.

Additional programs and discounts include:

  • Access Nanny Placement Services: Bright Horizons connects you to personalized help from a local nanny agency for recruiting, vetting, and selecting a nanny to match your family’s specific needs. Take advantage of $300 savings on the placement fee and a 10% discount on the hourly rates for a nanny you select.
  • Search for Sitters, Nannies, and Housekeepers: Through the firm’s Bright Horizons Back-Up Care, you have free access to Sittercity’s database of sitters, nannies, and housekeepers.
  • Find Discounted Online Tutoring: Access online tutoring options through Revolution Prep with discounts for Bright Horizons families.
  • Varsity Tutors Online Tutoring: Discounts are available for large or small group tutoring and enrichment activities.
  • Family Resources: Includes articles, videos and webinars on various topics, including, school readiness, child development and parenting strategies.

How to sign up:

Register anytime at www.careadvantage.com/nge or contact Bright Horizons customer service at 877-242-2737. You can also download the Bright Horizons app.

Homethrive

What is the benefit?

Homethrive is designed for employees who may have questions or concerns about aging parents or loved ones. Whether you are already caring for an aging loved one, seeking more options for how to support them, or wondering if you should start thinking about how to support someone in the future, they can offer you guidance. This benefit is paid by the firm.

For a quick question or access to major topics of interest Dari by Homethrive offers on-demand support and guidance through articles, podcasts, videos and more – all customized to your needs and interests.

Topics of interest include:

  • Alzheimer’s and dementia
  • Safely returning home from the hospital and rehab
  • Understanding long term care options
  • Understanding Medicare
  • Reducing fall risk and improving home safety

If you are looking for more support with your aging parent or loved one, sign up to be assigned to a Care Guide to work with you and your family (no cost to you).

How to sign up:

Sign up on Homethrive's website (www.homethrive.com). Enter your contact information, including your work email (to verify you are eligible). Let them know the best phone number to reach you. Set up a user name and password. You will be asked a few questions about your loved one (name, relationship and type of needs). They will NOT reach out to your loved ones until you give them permission. This information helps them assign a care navigator.

You will be assigned a Care Guide who will reach out to you. The guide will introduce themselves and discuss how they can be helpful to you and your family. If you have any questions before then, please call Homethrive at 888-777-2199.

Note that you can use the Homethrive service without ever including your loved one in the conversation. Click here for more information.

Pet Insurance

What is pet insurance?

We know how much you love your furry family members at home. We also know how expensive veterinary care can be. My Pet Protection from Nationwide helps you provide your pets with the best care possible. The plan reimburses 90% on vet bills including accidents, illnesses, and hereditary conditions. *Some exclusions may apply. Certain coverages may be subject to pre-existing exclusion. See policy documents for a complete list of exclusions.

Click here for more information.

How to enroll:

Enroll online or call 877-738-7874 and mention you are an employee of Neal Gerber Eisenberg to receive preferred pricing.

Mental Wellness

Your mental wellness is important. The Firm offers a variety of programs to support you.

Employee Assistance Plan (EAP)

Your EAP benefit

Perspectives provides you and your family with support in a variety of ways. Connect with Perspectives staff to get help (including short-term counseling). Your contact with Perspectives is confidential. Access the website or Spark app to get information on a variety of topics and take confidential assessments.

  • Call: The professional staff at Perspectives will either schedule you at a local office for assessment, referral and short-term counseling services or provide it to you directly through supportive phone counseling.
  • Referral: After the assessment, the EAP counselor will refer you to a program or therapist that has been evaluated by the EAP as an expert in your issue. This eliminates the guesswork in finding a good provider.
  • EAP Short-Term Counseling: Sometimes the problem identified in the assessment is caught early enough that it can be addressed by a few more sessions with your EAP Counselor.
  • Website: You may want to research a topic or take a short skill builder. Topics range from personal growth, achieving goals, diversity, relationships, resilience, and assessments to check in with your health physically and mentally. Link: www.perspectivesltd.com

Headspace

What is Headspace?

Headspace is a meditation program that focuses on mindfulness, meditation, reducing stress and anxiety, improving sleep, focus and fitness. Headspace is primarily accessed by using their app, but you can also access it via their website.

  • Do you want to improve your focus? Try focus music (Sebastian Tellier is one of our favorites these days). Or try a quick focus reset exercise.
  • Improve your sleep with meditation, sleep music, or try out a sleepcast (there are also sleep programs for kids)
  • Need to get moving? Try out a quick move session
  • Want to learn about meditation? Try one of the many options. How about a 10 minute guided meditation or a course on balance.

Who is eligible to enroll?

All NGE employees may enroll in a free Headspace membership.

How to enroll:

  1. Go to the Neal, Gerber & Eisenberg Headspace landing page: https://work.headspace.com/nealgerbereisenberg/join
  2. Enter your NGE email address
  3. If you previously created a Headspace account, choose “Link My Account” and enter your existing log-in information
  4. If you are new to Headspace, click on “Create New Account,” where you will be asked for information to set up your account