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Health and Wellness

Philadelphia Housing Development Corporation (PHDC) is proud to provide our employees with a benefits program that offers choices designed to meet their individual needs and lifestyles. Each year, we review our benefit plan design to continually provide a comprehensive benefits package for our employees and their families.

August 2024 – July 2025 Benefits Guide  – Just about everything you need to know about our current benefit plans with clickable links to important benefits websites.

Medical & Prescription Drug – Independence Blue Cross: Keystone POS 1B or Personal Choice PPO 1B

• www.ibx.com or call 1-800-ASK-BLUE
• Telebehavioral Health Services: You also have the option to schedule a virtual visit with a behavioral health care professional (including psychiatrists, psychologist, and counselors) in the Magellan network. They can provide consultation, diagnosis, or treatment for your behavioral health concerns. Virtual visits are convenient, flexible, and completely confidential.
• 2021 MDLIVE and Magellan TeleBehavioral Health Member Flyer

Dental – MetLife Dental: All employees and retirees enrolling in Medical are automatically enrolled in Dental coverage at no cost

• Dental Coverage – administered by MetLife Dental: All employees and retirees enrolling in Medical are automatically enrolled in Dental coverage at no cost. https://www.metlife.com/mybenefits and select your organization ”Philadelphia Housing Development Corporation.” Use this guide: How to use your new plan

Vision – Vision Benefits of America: Employees have the option to waive this coverage

• http://www.vbaplans.com/ and fill in your zip code or call 1-800-432-4966
• VBA has partnered with Your Hearing Network to give covered members and their dependents access to exclusive hearing aid savings.

Wex Flexible Spending Accounts – Active employees only. Newly Hired employees must complete six (6) months of service before signing up for this benefit.
Administered by WEX Benefits

Health Care Flexible Spending Accounts: You may set aside an annual amount up to $3,050 on a pre-tax basis to use towards health care purchases. These purchases include medical copays, prescription drug copays, dental costs not covered by insurance, vision costs not covered by insurance as well as other items. Participants are able to rollover $640 of unused healthcare FSA funds at the end of the plan year. Your annual contribution is divided by your number of pay periods, and that amount will be deducted pre-tax each pay period. The amount you elect may not be changed or revoked during the plan year unless you experience a qualifying life event.

• Resources
  • Wex Benefits website

Dependent Care Flexible Spending Accounts: This spending account allows you to set aside a portion of your pay on a pre-tax basis to pay for eligible dependent expenses so that you and your spouse can work. Generally, expenses will qualify for reimbursement if they are the result of care for:

• Your children, under the age of 13, for whom you are entitled to a personal exemption on your federal income tax return.
• Your spouse or other dependent, including parents, who are physically or mentally incapable of self-care.
• You can set aside an annual amount up to $5,000 ($2,500 if married and filing separately). At the end of the plan year, any amount that is left over will be “forfeited.”

Transportation Benefit – Active employees only. Newly Hired employees must complete six (6) months of service before signing up for this benefit.

• PHDC provides a transit benefit, which allows you to set aside pre-tax dollars to pay for expenses related to commuting to and from work as well as work-related parking costs. This includes transit passes, tokens, vouchers, parking passes, vanpooling, and more. Once enrolled, you will get a debit card that you will use to pay for such expenses. The monthly contribution limit for transit and parking expenses is $315. You will not pay federal income or FICA taxes on these dollars. This benefit is provided to you through Discovery Benefits.

Aflac

Aflac provides supplemental insurance to help pay out-of-pocket expenses your major medical insurance doesn’t cover.

Product Information:

• Accident – Help ease the financial stress of covered injury.
• Cancer – Helps financially and emotionally after a cancer diagnosis.
• Dental – Helps protect oral and overall health with a variety of benefits.
• Disability – Helps relieve the financial stress of covered disability.
• Hospital – Helps with expenses health insurance doesn’t cover.
• Vision – Helps with expenses related to maintaining healthy eyesight.

If you would like to sign up for Aflac, please reach out to our Agent directly:

Alfred Sanford
215-495-4515
[email protected]

If you are an existing policyholder with Aflac, you can make changes to your current coverage during open enrollment,
Check out PHDC-Aflac Page to review and choose the Aflac benefit options that best fit you.

Life Insurance and Accidental Death & Dismemberment (AD&D)

• Basic Life and AD&D
  • PHDC employees, who are former PRA employees, have Life and AD&D insurance through The Standard at no cost for a benefit amount of one times annual earnings, rounded to the next highest $1,000 to a maximum $100,000 without evidence of insurability. Retirees receiving a PRA pension are covered by this benefit for 5 years from the date of retirement.
  • PHDC employees, who are enrolled in one of the City of Philadelphia’s pension plans, have Life & AD&D insurance through Securian/Minnesota Life at no cost for a benefit amount of $20,000. Retirees are eligible for $6,000 for their lifetime from the date of retirement.
• Voluntary Life and AD&D
  • Former PRA employees (not retirees) can purchase additional Voluntary Life coverage through the Standard. You will have to complete a health questionnaire if enrolling for the first time, and may need to complete a health questionnaire if increasing your coverage amounts. You can purchase coverage for yourself, spouse and children.
  • PHDC employees, who have pension benefits through the City of Philadelphia, can purchase additional Voluntary Life and AD&D coverage through Securian. You can purchase coverage for yourself, spouse and children.
• Cincinnati Life Insurance
  People are always looking for ways to achieve a more financially secure future for their family. As an employee, you can purchase life insurance for yourself, your spouse, dependents and grandchildren at the cost and amount of coverage you choose through our simple and flexible payroll deduction program. Additional life insurance ensures your loved ones will be provided for financially when you die.
  • • FAQs: Cincinnati Life – Understanding Your Life Insurance Benefit
    • Easy Access to Life Insurance: Cincinnati Life Easy Access to Life Insurance

  If you have any questions regarding this benefit, please reach out to our Benefits Counselor:

Al Sanford
215-495-4515
[email protected]

Long Term Disability – Active employees only. Newly Hired employees must complete six (6) months of service before signing up for this benefit.

• You may select a monthly benefit amount in $100 increments. The monthly benefit amount must not exceed 60% of your monthly earnings. The maximum monthly benefit is $6,000; the minimum benefit is $200. You may also elect a benefit waiting period, which is the period of time that you must be continuously disabled before benefits become payable. If you do not elect this benefit when you are first eligible, you will be able to elect or make changes during open enrollment, but you will be required to complete and submit a Medical History Statement prior to being approved. Cost will be paid by you and based on your benefit amount and waiting period elections.
  • 2024 LTD Coverage Highlights  (Minimum Monthly Coverage amount is $200)
  • 2024 LTD Cost Examples

The Current Benefit Plan Year is 8/1/2024 – 07/31/2025. Newly Hired Employees, you have thirty (30) days from your hire date to elect health benefits or waive coverage. Current Employees, per Internal Revenue Service (IRS) rules, employees enrolled in pre-tax benefit plans may only make elections or changes to their plans once per year (during open enrollment). However, you may make changes to your election if you experience one or more of the following special circumstances, which are known as “Qualifying Life Events (QLEs)”:

• Marriage or divorce
• Birth, adoption or placement for adoption of an eligible child
• Loss of spouse’s job or change in work status (when coverage is maintained through spouse’s plan)
• A significant change in your or your spouse’s health coverage that is attributable to your spouse’s employment
• Death of spouse or dependent
• Loss of dependent status
• Becoming eligible for Medicare or Medicaid during the year
• Receiving a Qualified Medical Child Support Order (QMCSO)

These QLEs allow you to make plan changes during the year. For any allowable changes, you must inform PHDC’s Human Resources Department within thirty (30) days of the event. Benefit changes that are requested due to a “change of mind’ cannot be allowed until the next Open enrollment Period (July, 2025). For additional information concerning plan changes, please contact Human Resources at [email protected].

Additional Benefits

1. AblePay_Employee_IBX_Flyer_2024  
2. HUSK_Promotional
3. Blue365_Member