This video provides an overview of benefits available to you in 2020.
A comprehensive, all-in-one guide to your 2020 benefits.
File for a medical claim here.
Use this form to enroll in our wellness incentive program and earn $50!
What this plan covers and what it costs.
What this plan covers and what it costs.
Use this form to cancel any or all of your Unum policies.
Company paid life insurance beneficiary form
Reference guide to your Unum Life Insurance benefits.
Reference guide to your Unum Short Term Disability benefits.
A summary of company-paid employee assistance program benefits.
Learn more about the tools available on Wellspring EAP's website.
Log in to access valuable assistance services.
Username: Oak Harbor Freight Lines
This document gives detailed information about how the FSA plan works.
Use this form to manually get reimbursed for qualifying medical expenses.
Learn about our 401k plan.
Reference guide to your 401k benefits.
When am I eligible for benefits?
Full Time Employees are eligible for benefits on the 1st of the month after 60 days of employment. For example; you are hired on June 15th, you will complete 60 days on August 15th and will be eligible for benefits beginning September 1st.
I am a new Employee, how do I enroll in medical benefits?
Upon hire; you were given access to enroll in benefits online through the Dayforce portal. You can begin enrolling in benefits on your first day of hire and will have 60 days to complete your enrollment. You must be fully enrolled in benefits before the first of the month that your benefits are scheduled to begin. If you do not enroll prior to this timeframe, you will not be allowed to enroll and will have to wait for open enrollment. Information on what benefits are available and the details for each policy are found on this site.
I was a Part Time Employee that just moved to a Full Time position, what benefits can I enroll in?
Congratulations on your promotion to a Full Time position. You are now eligible to enroll in Medical, Dental, Vision, Prescription insurance through Regence Group Administrators as well as Flexible Spending Account through Navia. You can log on to your employee portal on Dayforce to complete this ‘work event’ change and enroll in those benefits.
I have additional questions about my enrollment, who can I contact?
Please contact the HR Department at email@example.com or call us at 800-858-8815.
I would like to decline medical/dental/vision coverage, what do I do?
There is a ‘waive’ option in the benefit section of the online Dayforce portal. By clicking on that option, you will waive the coverage for each benefit you wish to decline.
I haven’t received my medical card yet, what do I do?
If you know your member ID number, you can log in to the insurance website www.accessrga.com using your information and print a temporary card. Alternatively, you can call RGA Customer Service at 866-738-3924 to ensure they have your correct address and you can request another card at that time. To update your address, please do so through the Dayforce portal.
I received a bill from my medical provider and I do not believe I should have? Or the bill is incorrect?
This is where the Benefit Resource Center 866-468-7272 is very helpful. They will work on your behalf with the Provider’s office and RGA to either correct the bill or clarify whether you were billed correctly.
How much do I pay for my coverage?
For individual medical coverage; the cost is 1% of your gross earnings per pay period. For family coverage it is 2% of your gross earnings per pay period. You will pay 2% for family coverage regardless of how many dependents you add.
Who is our dental coverage through?
Your dental coverage is with RGA (Regence Group Administrators). This is the same company that manages your medical claims. The card you were issued is what you need to provide to your dental office.
Who is our vision coverage through?
Your vision coverage is with RGA (Regence Group Administrators). This is the same company that manages your medical and dental claims. The card you were issued is what you need to provide to your eye doctor’s office.
How can I find out what benefits I am currently enrolled in?
Please log on to your Dayforce portal; there you will be able to view all benefits you are enrolled in and see the cost you are being deducted for.
How can I find out whether a specific item (medical procedure, prescription, etc...) will be covered by insurance?
You can call the Benefit Resource Center at 866-468-7272 or RGA at 866-738-3924 to find out about specific coverage.
Does the company have a Wellness Benefit?
Yes. Employees and Spouses are eligible for an annual Wellness Benefit of $50 each. If you, and your Spouse, are covered by the company’s health plan and you have a physical that includes full blood panel testing, you are eligible to receive this benefit. Simply print the Wellness Form from the benefit site www.oakharborbenefits.com, take it to your provider for a signature and then turn it in to Payroll via email at firstname.lastname@example.org or fax 253-288-8310. Wellness benefits are paid on the following paycheck after they are received.
Does Oak Harbor offer an Employee Assistance Program?
Yes, Employees are invited to contact Wellspring EAP at 800-553-7798 or visit www.wellspringeap.org for more information. This benefit is open to you and your family members. You will receive 3 free visits per year for assistance of all types.
I am at my provider’s office or pharmacy and they are saying I do not have coverage?
First, confirm with the person you are speaking with that they are calling the eligibility phone number on the back of your card. Some offices have a speed dial phone number set up and it is usually the incorrect phone number. If they call the number on the back of your benefit card and are still being told you do not have coverage, you will need to call the Customer Service number for RGA 866-738-3924 or the Benefit Resource Center 866-468-7272.
How do I sign up for mail order?
EnvisionPharmacies processes the mail order prescriptions for OHFL. To use this benefit, you must first register an account with EnvisionRX. You can enroll by calling 866-909-5170, visiting https://www.envisionpharmacies.com/mail and clicking on Enroll Now or you can print off the enrollment form and mail it to the address on the form.
Am I required to sign up for mail order prescriptions?
Our plan requires members to use the mail order program through EnvisionPharmacies for maintenance medications. If you have some special circumstances in which mail order is not the best option for you, please contact the Benefit Resource Center 866-468-7272 to see if you could be allowed to continue using your store-front pharmacy.
Why is my prescription not covered?
If you are told that a prescription is not covered, it is recommended you call the Benefit Resource Center 866-468-7272 to get their assistance why it is not covered. It is possible that this particular medicine is not covered, but an alternative may be covered. If this is a maintenance medication, taken on a regular basis, our plan requires Employees to use the mail order system after filling the prescription 3 times at a store-front pharmacy.
I just got married and/or had a new baby (or adopted), how do I add them to my coverage?
When you have a “life event” you have 30-60 days from the event to add any new dependents on to your medical plan. You will be able to log into your Dayforce account and enroll your new baby, spouse or step children to your plan electronically. You’ll be required to upload back up documentation as well. Back up documentation typically includes a marriage certificate and/or birth certificate if adding children.
How long can I keep my children on my insurance?
Children can be covered under your medical plan (through RGA) until age 26, regardless of student or marital status. They will be automatically dropped the end of the month they turn 26 yrs of age. If you have an adult, disabled child that you care for, coverage can continue past the age of 26, but special documentation is needed. If you need to request this extended coverage, please contact the HR Department at email@example.com.
Children can be covered under your Unum supplemental benefits until their 19th birthday, or until their 26th birthday if they are a full time student. NOTE: they are not automatically dropped from your plan, you are responsible for dropping your child(ren)’s coverage when they age out.
Can I add my girl/boyfriend, Domestic Partner or their children to my plan?
Registered Domestic Partners can be added to your plan. A Boyfriend/Girlfriend would not be eligible for coverage under our plan. Children of your new Spouse or registered domestic partner can be added to our plan, when the required documentation is provided.
I would like to drop my spouse or children from my medical plan or supplemental policies, how can I do that?
In some instances, you may be able to remove dependents from your medical plans outside of open enrollment. Please contact firstname.lastname@example.org or call 800-858-8300 and ask for an HR Team Member to assist you in this process. We will advise if you can make changes now, or will have to wait for open enrollment.
I heard the company pays for Life Insurance for Employees, is that correct?
Yes, that is correct. Each Full Time Employee has a $15,000 life insurance policy paid for by Oak Harbor. This is a free policy, at no cost to you. We just need your beneficiary information on file.
If I don’t use my Flexible Spending Account money, can I roll it over to the next calendar year?
Flexible Spending Account money must be used each calendar year or it is “surrendered” to the plan. It is important to carefully select the amount you sign up for each year, know what exactly is covered, and keep proper documentation of your receipts for proof that is required by Navia Benefits.
I am a new Employee, when can I sign up for Unum supplemental benefits
Supplemental Life, AD&D, Accident, Hospital, Critical Care and Short Term Disability benefits through UNUM are available to new Employees when they are hired. You are eligible to enroll after 60 days of employment. You will be able to enroll starting your first day of work and will have up until the first of the month they begin to complete your enrollment packet. This is all completed online through the Dayforce portal. If you are not enrolled prior to the first day of the month they are scheduled to begin, you will have to wait for open enrollment to sign up. All policies, except Short Term Disability, are available for yourself, spouse and children.
Does the company offer other supplemental insurance?
Yes, the company offers a Supplemental Life & AD&D, Short Term Disability, Accident, Hospital and Critical Care insurance through UNUM. All policies, except Short Term Disability, are available for yourself, spouse and children.
If I should leave Oak Harbor, am I able to continue with my Unum benefits?
Yes, some of the Unum policies are portable. You will receive information from the Human Resources Department on how to port those policies to pay individually through Unum.
When can I enroll in the 401k plan and am I eligible to enroll?
All Employees are eligible to enroll in the Company 401k plan. The only requirement is that you at least 21 years old at the time you sign up. Employees can enroll online through the Dayforce portal when they are hired or any time during the year. The Company match will begin after the completion of 90 days of employment.
How do I make a change to my 401k contributions? 401k contribution changes can be made at any time during the year and can be done online through the Dayforce portal.
My online 401k account (Ascensus website) does not reflect the correct vesting percentage, who do I call?
Please contact Paradigm Financial at 800-527-4560 to ensure that your account correctly reflects your vesting percentage.
I need to be off work for more than 3 days due to a medical reason, or to care for a family member, who do I report this to and how are my benefits affected?
Please contact your Manager as soon as you know you will be off of work for more than 3 days for any reason. Your Manager will contact the Human Resources Department to begin the process of your request for leave. You can also call the Human Resources Department at 800-858-8815 and ask to speak with a member of the team regarding the types of leave available.
If I qualify for FMLA, does that pay for my wages while I am off work?
FMLA is a law that protects your position and pay for up to 12 weeks every 12 months. There are specific requirements that must be met to be approved for FMLA. If you are approved for FMLA, you will be required to use any paid time off benefits you may have in your bank. If you work in a state that offers State Disability, you will need to contact your state’s disability department to apply for paid benefits.
What if I don’t qualify for FMLA and still need to be off work?
If you do not qualify for FMLA; you may be eligible for additional medical, personal leave or protected state leave. Please contact your Manager or the HR Department for more information.
How do I sign up for direct deposit?
Please log on to your employee portal in Dayforce to sign up for direct deposit. If you have questions, please email email@example.com or call 800-858-8815.
I don’t have a checking account, but would like to receive my paychecks electronically, do I have any options?
Yes, we are linked with Dayforce Comdata pay cards that act as debit cards and can be used anywhere. Please contact the firstname.lastname@example.org or 800-858-8815-and we will discuss this with you and make sure you get the proper forms to complete.
I don’t think I’m being deducted correctly for my benefits, what can I do?
It’s very important to review your paystubs every payroll to make sure you are being deducted correctly. If you find an error, please email email@example.com or call 800-858-8300 and ask to speak to the Human Resources Department.
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Our Mission at Oak Harbor Freight Lines is to be the premier transportation services company. We are committed to providing timely, accurate and reliable service, remaining profitable to ensure stability, being recognized for integrity, and generating complete internal and external customer loyalty.
We believe our services change the world. We also believe that if we take care of our people they will take care of our customers. Employees empowered to take care of the customer and doing work that is meaningful is what moves us forward.
Please use the form provided or the contact information below. We strive to answer all emails within 24 hours of receiving them.