Benefits Corner
This month, we're featuring stories on IRS form 1095-C, the MetLife benefits app and a UnitedHealthcare health tip on nutrition. Also featured are the 10 year anniversary employees.
Internal Revenue Service Form 1095-C
The Affordable Care Act (ACA) requires nearly all Americans to have health insurance or face a tax penalty. As part of its administration of the individual mandate as well as the employer shared responsibility provisions of the ACA, the Internal Revenue Service (IRS) requires employers such as Saia to satisfy certain new reporting obligations — one of which is the issuance of Form 1095-C to certain employees.
The deadline for issuance of Form 1095-C generally corresponds with the deadline applicable for W-2s, which for the 2020 tax year is January 31, 2021. However, the IRS recently announced an automatic extension of the deadline for issuing Form 1095-C for the 2020 tax year to March 31, 2021.
Generally, employees would use Form 1095-C to confirm their period of coverage under the Saia medical plan, if applicable.
In accordance with the IRS requirements, Saia has mailed Form 1095-C on or before the March 31, 2021 deadline to the following Saia employees:
- Employees who were enrolled in the Saia medical plan at any time during 2020; and
- Employees who were considered to be full-time for 2020 under the ACA.
If you do not receive Form 1095-C by March 31, but believe that you should have, please contact the Benefits Department at empben@saia.com immediately.
Learn More About Your MetLife Benefits
MetLife benefits information right from your desktop
The MyBenefits website is a quick and easy way for you to get the information you need about your MetLife benefits — all in one place. Log in at metlife.com/mybenefits to see how we’ve taken personalization and integration to a new level.
Personalized homepage to all your MetLife benefits
Get more information on your MetLife benefits, where you can link to detailed coverage information and can perform tasks, such as:
Dental Plans — Easily find a participating dentist or view your benefits, copay or coinsurance amount, and claims1 online. Plus, you will have access to our extensive Oral Health Library to research important dental topics.
Dental ID cards are available online for you to download and print at your convenience.1 Cards contain your name, employer’s name and group number. Also included are MetLife’s claims submission address,1 website address, customer service telephone number and a service number for International Dental Travel Assistance.3
Additional MyBenefits features include:
- Planning tools that you can use to help you make informed decisions regarding your retirement, benefits coverage as well as other useful information for a variety of everyday topics.
- Forms and documents that you may need are located in the “Tools & Resources” area at the bottom of the MyBenefits home page for you to download.
- In the “News & Updates” section you’ll find information from MetLife and your employer such as enrollment dates and new product offerings.
- Online claims tracking and email notifications called eAlerts, which will provide information regarding status changes to your claims for certain benefits.1
metlife.com/mybenefits
The MetLife Mobile App is available on the iTunes® App Store and Google Play. Download the app, and use it to find a participating dentist, view your claims1 and to see your ID card.2
- This feature is not available for members with a MetLife Dental HMO/Managed care plan.
- To use the MetLife mobile app, employees can choose to register at metlife.com/mybenefits from a computer or directly through the app. Certain features of the MetLife Mobile App are not available for all MetLife Dental Plans.
- AXA Assistance USA, Inc. provides Dental referral services only. AXA Assistance is not affiliated with MetLife, and the services and benefits they provide are separate and apart from the insurance provided by MetLife. Referral services are not available in all locations.
Like most group benefit programs, benefit programs offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife group representative for complete details.
Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166
L1019519314[exp0421][All States] © 2019 MetLife Services and Solutions, LLC
Health Tip: Everyday Nutrition
A person’s diet is an essential component of their current and future state of wellness. Healthy
eating has many benefits. Eating a healthier diet may decrease the risk of getting diabetes, increase
energy levels, improve heart health and help with weight management.1
Healthy eating tips
Although there are countless “diets” and differing food philosophies, most will agree on
some basic healthy eating habits. Some healthy eating tips include:
- Eating at regular intervals
- Eating a variety of foods
- Aiming for balanced meals
- Drinking water regularly and abundantly
- Including a lot of vegetables and moderate amounts of fruits in many colors
A healthier diet should provide adequate nutrients, including micronutrients and macronutrients. Micronutrients include vitamins and minerals that the body requires in smaller amounts and must be acquired from one’s diet. Macronutrients are large and visible to the eye and are needed in larger quantities. Macronutrients include fats,
proteins and carbohydrates, and are responsible for creating energy and building up the body’s cells.
The quality of the nutrients is important.
Examples of high quality carbohydrates include vegetables such as yams, sweet potatoes, winter squash, beans and legumes. Also, whole grains. High quality protein sources include grass-fed meat (sparingly), skinless poultry, wild caught fish and seafood, eggs, tofu, tempeh, cottage cheese and yogurt. When it comes to fats, they are not created equal. Certain fats are beneficial and important to health such as olive oil, avocados, nuts and seeds, fatty fish and coconut. Other fats may be harmful to your health and should be limited. These include highly processed vegetable oils, soybean and corn oil, margarine, shortening and saturated animal fats.
Understanding portion sizes
Eating healthier is the goal; however, the portions of healthier foods are also important, especially for weight loss and maintenance. Calorie counting may be tedious and is not an exact science. A better strategy may be to use visual representations to ensure proper portions. Examples include:
- Fist = 1 cup, use for vegetables
- Deck of cards or computer mouse = 3 to 4 ounces, use for protein
- Tennis ball = 1/2 cup, use for grains such as rice or starchy carbohydrates such as potatoes
- Cupped handful = 1 ounce, use for nuts
- Tip of thumb = 1 tablespoon fat, use for butter or oil
Using smaller serving dishes may also help ensure proper portion sizes. Eating from a salad plate instead of a larger plate will help manage your portion sizes. Another area to consider when eating healthier is to ensure you are eating a balanced diet. Load your plate with a lean protein source, a complex carbohydrate and a healthy fat source; additionally, load up on colorful fruits and veggies. When considering fruits and vegetables, more is always better. Fruits and veggies are powerful allies in maintaining health. Consumption of fruits and veggies may help to prevent cancer, decrease oxidative stress, maintain a healthy heart and promote a healthier weight.2
A healthier diet does not occur overnight. Focus on making better choices bite by bite, day by day, and you may be on your way to a healthier diet and lifestyle.
The importance of water
Although not categorized as a micronutrient or macronutrient, water is vital for the body to function properly. Our bodies are made up of 50% to 60% water and states of dehydration, and even suboptimal hydration, may lead to symptoms such as fatigue, constipation, dry skin and brain fog.
A person’s hydration needs vary depending on many factors; however, a good rule of thumb is to drink ½ your body weight in ounces. For example, if you weigh 150 lbs., you should aim to consume 75 ounces of water or more each day.
Sources:
- National Institute of Diabetes and Digestive and Kidney Diseases, Diabetes Diet, Eating, & Physical Activity, https://www.niddk.nih.gov/health-information/diabetes/overview/diet-eating-physical-activity, accessed February 2020.
- USDA, Increased vegetable and fruit consumption during weight loss effort correlates with increased weight and fat loss, https://naldc.nal.usda.gov/download/56679/PDF, assessed February 2020.
This information is for general informational purposes only and is not intended nor should be construed as medical advice. Individuals should consult an appropriate medical professional to determine what may be right for them.
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M57233-T 2/20 ©2020 United HealthCare Services, Inc.
Congratulations 10th Anniversary Employees!
Congratulations to the following Saia employees on their 10-year anniversary! Having reached this wonderful milestone, they are now eligible to receive company-paid medical, prescription, and vision coverage with no premiums!
ATL
AUS
BGO
BRG
CGO
CHS
CIN
CLV
CTN
DAY
DEN
ELP
FON
Johnathan Thompson
Eduardo Robles
Heather Chavez
Carissa Davis
Colin Dunn
Timothy Jacobson
Erika Solis
Matthew Notariano
Roger Lawrence
Patrick Oliver
Carlos Frutos
Michael Mullins
Wayne Potter
Curtis Richardson
Cleveland Stroder
Joseph Lunn
William McDaniel
Jeffrey Rush
Rafael Vazquez
Cesar Sanchez
John Ingram
Gabriela Aguirre
Ronald Montoya
FTW
IND
LAF
LAX
LBH
LUB
MAN
MKE
OKC
ORL
PDX
PHX
SAN
SLC
TAL
WPB
Douglas Stanfield
Elias Perez, Jr.
Brian Northcutt
Garrett Andrus
Juan Figueroa
Salvador Mora
Juan Ulloa Agreoano
Robert Mendez
Kevin Karl
Brian Braatz
Deandre Skanes
Tony Widener
Alexander Strocsher
Ryan Thomas
Curtis Alexander
Javier Lopez
Emory Meadows
Gordon Jones
David Schild
Paul Paul
Carl Boigris