Online Benefits System

FREQUENTLY ASKED QUESTIONS

Pre Enrollment

1. How secure is the application and why must I use my social security number?

The Online Benefits System uses social security numbers as a required field and as one piece of information for the purposes of self-registration. This is standard practice for benefit administration in that payroll deductions are based off the information provided. In the absence of another national unique identifier for individuals, benefit administrators must rely on SSN.

At a very high-level we take the following measures into account:

• We use Secure Socket Layers (SSL) - 128-bit encryption. This is a method for encrypting data between our computers and yours so that no one can intercept the transmission and "see" your information.
• All of our servers are located at a web hosting company of the highest rating. They ensure that no one has unauthorized physical access to the servers; they ensure that no malicious "worms" or "viruses" can be loaded to the servers. We ensure that no one but an authorized Choicelinx employee with the appropriate security rights can log into the servers.
• Our passwords requirements are designed according to the highest industry standards, requiring the use of characters, numbers and the optional use of symbols. The passwords are case-sensitive; this helps ensure that no one can guess or hack into your account.
• Our web sessions time-out after 10 minutes. This ensures that if you accidentally leave your computer on and logged into the application, no one can jump on.
• We disable the login for 10 minutes if there are too many unsuccessful login tries. This also prevents someone from hacking into your account by trying a series of combinations.
• Any information we send to the benefits carriers is in a HIPAA-compliant format and is encrypted so that it cannot be read by an unauthorized individual.

2. I can't access the application on my computer.

For security reasons we require 128 bit encryption on your browser. Older versions of internet browsers may not have 128 bit encryption automatically enabled. If you are using a version of Internet Explorer that is less than version 5.5, you will need to download an update.

3. I received a login error when I tried to access the system.

The application security feature has been designed to lock access to your Account for 10 minutes if more than five login attempts are made within a two-minute period. Check to ensure that you are using the correct Login ID and Password. Your password was created when you registered with the Online Benefits system. If you are still unable to login, please contact your Human Resources/Payroll Representative.

4. I accidentally logged out of the application.

You should be able to log back in using your Login ID and Password. You may begin again right where you left off.

5. How often does the Online Benefits System save my information?

The application saves all data previously entered with the exception of the last page you were on. Start from the beginning of the process, i.e., Birth Event and you will see the information that has been retained. You may navigate through each page by clicking the Next/Continue button. The Online Benefits System saves your data each time you click on a navigation item such as next, back or Exit Event. This allows you to leave the application and continue where you left off. When you log back into the application, choose one of the options available for your open event such as Continue or Edit.

6. I don't understand the pricing? Am I responsible for anything?

The prices that you see for each plan and each coverage level (i.e., employee only, family, etc.) are the amounts that your employer pays to CIGNA, Local Government Center (LGC) and Delta Dental to provide coverage for you and your dependents. The Online Benefits Systems also displays your contribution to your benefits, if applicable. The purpose for displaying this information is to provide you, as a consumer, with valuable information about benefit plan costs.

• · You will need to review your benefit plans through CIGNA, LGC and Delta Dental to determine whether any co-payment or coinsurance amounts are due when you seek medical or dental care or need to fill a prescription.

7. My dependent (spouse or child) has a different address, but you only list out one.

The Online Benefits System will retain the employee addresses, as confirmed by the employee during your last open enrollment period. If you require an alternate or secondary address, you must contact your Human Resources/Payroll Representative. They will update your secondary address with the respective vendor(s) to ensure that any correspondence/EOBs/mailings are sent to the appropriate address.

Post Enrollment

8. I accidentally logged out of the application.

You should be able to log back on using your Login ID and Password. The application saves all data previously entered with the exception of the last page you were on. If you start from the beginning of the process, i.e., Birth Event and you will be able to view all of the information that has been retained. You may navigate through each page by clicking the Next/Continue button.

9. How do I add my spouse?

Using your ID and Password, enter the application and select the appropriate event, Marriage. You will receive written prompts with instructions for adding your spouse. You will be required to enter an event date (your date of marriage) and select coverage for medical and dental for your spouse. You will be asked to review the changes to your coverage and confirm those changes. CIGNA, LGC and Northeast Delta Dental will receive this information and mail an ID card to your home address.

10. What do I do now that my student is graduating?

You should log onto the application and perform the event titled Dependent Loses Eligibility. You will be prompted for the Event date (graduation). Your dependent(s) will be covered until the end of the month in which they have graduated. If you have any questions, contact your Human Resources/Payroll Representative.