WELCOME TO YOUR PLASMA TESTING LAB (PLT) BENEFITS WEBSITE!!!
Open Enrollment is from November 7th to December 3rd.
Enroll on Employee Navigator starting on November 7th. View enrollment instructions at the bottom of this page.
At Creative Testing Solutions, we are invested in you. That’s why we’ve designed a benefits package that helps to support your total wellbeing — physically, emotionally, and financially.
Use this site as a tool to help you make the best benefits decisions for you and your family for the 2023 plan year (January 1–December 31, 2023). The information inside this guide can help you review your health coverage options, tax savings opportunities, and voluntary benefits options.
Eligibility
We determine your benefits eligibility by the hours you are scheduled to work each week. Refer to the table below for details.
Dependent Eligibility
As you become eligible for benefits, so do your eligible dependents, which generally include:
- Your legal spouse.
- Your children to age 26, regardless of student, marital, or tax-dependent status (including a stepchild, legally-adopted child, a child placed with you for adoption, or a child for whom you are the legal guardian) as well as children of any age who are physically or mentally unable to care for themselves.
Enrollment
You can only sign up for or change your benefits at the following times:
- Within 30 days of joining Creative Testing Solutions as a new employee.
- During the annual benefits enrollment period.
- Within 30 days of a qualifying life event.
The choices you make at this time will remain in place through December 31, 2023, unless you experience a qualifying life event as described on page 4. If you do not sign up for benefits during your initial eligibility period, you will not be able to elect coverage until the next open enrollment period.
How to Enroll
To enroll in benefits, log into Workday from work or home and visit https://www.myworkday.com/wday/authgwy/mycts/login.htmld
Changing Your Benefits
Due to IRS regulations, once you make your elections for 2023, you cannot change your benefits until the next annual open enrollment period. The only exception is if you experience a qualifying life event. Election changes must be consistent with your life event.
Qualifying life events include, but are not limited to:
- Birth or adoption of an eligible child.
- Marriage, divorce, or legal separation.
- Spouse’s work status change affecting their benefits.
- Death of your spouse or covered child.
- Child’s benefits eligibility change.
- Qualified Medical Child Support Order.
To request a benefits change, notify Human Resources within 30 days of the qualifying life event. Change requests submitted after 30 days cannot be accepted.
You will be required to provide proof of the event, such as a marriage license or birth certificate.
Key Terms To Know
Take the first step to understanding your benefits by learning these four common terms.
Copay
A fixed dollar amount you may pay for certain covered services. Typically, your copay is due at the time of service.
Deductible
The amount you must pay each year for certain covered health services before your insurance plan will begin to pay.
Coinsurance
After you meet your deductible, you may pay coinsurance, which is your share of the costs of a covered service.
Out-of-Pocket Maximum
This includes copays, deductibles, and coinsurance. Once you meet this amount, the plan pays 100% of covered services for the rest of the year.
DURING OPEN ENROLLMENT (11/7-12/3) YOU HAVE THREE WAYS TO ENROLL:
- Call 833-557-0382 to speak to a professional benefits counselor.
- Schedule an appointment below with a benefits counselor during the enrollment period.
- Enroll for benefits online at employeenavigator.com/benefits/account/login. Look for the Enroll Now! menu item. If you are a new user, register at employeenavigator.com/benefits/account/register
Your Company Identifier is: CreTestSol