Employee Assistance Program

Reasons To Use Your Employee Assistance Program

1. Your employer provides this benefit as part of your overall employee benefits package to assist you and your eligible dependents. There is no cost to you for our services.

2. Our EAP counselors are Masters level, licensed counselors with years of professional experience and training to assist you in finding answers to your problems.

3. Unless mandated by law, all contact between you and EAP is confidential. No information will be shared about you or your involvement with EAP without your written consent.

4. All EAP information is kept separate from any medical electronic or personnel files. It can be accessed only by EAP staff members on a need to know basis.

5. By the end of your first visit with your EAP counselor, suggestions and / or further recommendations will be made.  Depending on your own unique situation, this may include referrals to community resources, mental health services, or a plan to continue seeing the EAP counselor for short-term counseling.  (Please check with your HR representative or EAP if you have questions regarding the number of sessions your employer allows.)

6. EAP can assist you with a variety of concerns including:

• Emotional distress
  
• Marital conflicts
• Loss and grief
• Stress
• Work-related issues
• Life changes
• Abuse of alcohol, drugs or other substances / behaviors
• Someone close to you is abusing alcohol, drugs or other substances
• Caregiving for an elderly parent or loved one
• Legal / financial challenges
• Any other issue you feel it would be helpful to talk with a counselor about

7. This could be the first step in creating a more balanced, peaceful and rewarding life.

Through your employer’s agreement with CHI Health Employee Assistance Program, we are available to provide onsite crisis response and support services, upon management request. Times in which we might be called upon for onsite response:

• Company downsizing / loss of jobs
• Grief support following death of an employee
• Work-site accidents or incidents involving serious injuries or fatalities
• Robbery and acts of violence in the workplace
• Circumstances which are outside of the typical work environment which have heightened employee’s emotional reactions and may be impacting ability to function

Our EAP staff professionals are highly skilled in understanding corporate culture and our role when we are invited to provide onsite response. In partnership with your employer, we will help determine what the most effective and beneficial response services will be. CHI Health Employee Assistance Counselors have received specialized training in EAP Critical Incident Response 3 – A Multi-Systemic Resilience Approach. We promise to provide on-site response services which are compassionate, non-intrusive and individualized to meet each company’s unique needs.

If your workplace has experienced a situation in which you believe an EAP onsite response would be helpful, please discuss with your manager/ HR contact person. To schedule an EAP on-site response, please call us at (402) 398-5566 or 1 (888) 847-4975. 

CHI Health EAP's Financial program provides you and your eligible family members with financial referrals to top-rated financial professionals.

Benefits

Financial Consultations

Each member is entitled to no cost telephonic consultation with CLC’s staff model financial counselors. Typical matters include credit counseling, debt and budgeting assistance, tax planning, retirement and college planning questions. These services are provided by seasoned financial professionals and licensed CPA’s. Telephone consultations are generally limited to thirty-sixty minutes per issue. In the event a member wishes to retain their counselor for additional services, members may elect to continue working with their coach through MySecureAdvantage at a rate of $39.95 per month. This service provides the member with unlimited access to their financial coach and the member may continue on a month to month basis.

Tax Preparation and Consultation Component

Members are entitled to receive a 30-minute income tax planning related consultation per year on each separate tax issue they encounter. Preparation of all personal income tax documents are prepared by a CPA at a preferred rate reduction of 25% from the CPA’s normal fee.

Examples of the types of matters for which you may use this program include:

Developing a Spending Plan

This service provides analysis of member’s budget with a goal of developing a realistic spending plan that incorporates current and future financial goals. The analysis will include advice on maximizing income, reducing expenses, as well as managing the use of credit.

Rebuilding Your Credit

Credit Report Analysis provided (an analysis tool that gives an overview of credit report and credit score with tips on strategies to improve your credit score).

Getting Out of Debt

Service provides an analysis of member’s debt structure to ensure they are managing debt in the most effective way possible. Effective strategies for credit challenges including direct access to non-profit credit counseling services.

Garnishments

This service offers the member an opportunity to discuss either garnishment prevention or cash flow management in the event a garnishment has occurred. The member will be able to review their financial situation with a financial counselor, to better understand the ramifications of their choices, and alternatives, if available.

Tax Levy/Wage Garnishment Resolution Program

It is estimated that 2%-6% of the employee workforce have received or been threatened with a tax levy on wages. Through our Tax Levy Resolution Program members will receive a free 30 minute consultation with a Tax Levy Resolution Specialist who can review their current tax problem. Additional services such as negotiating with taxing authorities, stopping tax collections, interfacing with HR/Payroll, etc. will be provided to the member at a discounted fee.

Pre-Retirement Analysis

A hard copy financial planning report is provided that analyzes existing retirement investments to see if member is on track for their retirement income goals.

401(k) Review

Analysis tool to help the member choose the right mix of mutual funds in their 401(k) plan with regards to their investment goals and temperament.

Home Buying Strategies

This service provides advice and analysis of strategies for buying a home, as well as information on first time homebuyer programs. Provides direct access to a mortgage loan lender.

Mortgage Refinance Check-Up

Whether you want to lower your mortgage payments, eliminate private mortgage insurance, get cash out for a home improvement project or pay off high-interest rate credit card debt, refinancing could be your answer. But, you’ll likely have questions about whether it’s a smart decision right now. Use the Mortgage Refinance Check-Up service to find out answers to some of your toughest refinancing questions.

College Funding Analysis

Provides a hard copy financial planning report that analyzes member’s current investments for college in relation to costs for higher education in the future.

Income Tax Services

Direct access to discounted tax preparation/tax planning services. If tax preparation service is requested, members will receive a preferred discount of 25% off normal fees.

General Financial Coaching

General financial coaching is available on several different levels in our benefit package. Services range from individual consultations involving budgeting, credit matters, estate planning, retirement planning, and college funding, general investment subjects and tax issues. The following is a partial list of the many financial topics available to be discussed with a CLC Financial Coach:

• Budgeting Techniques
• Corporate Bonds
• Credit After Bankruptcy
• Credit Cards with Lower Interest Rates
• Credit Repair Scams
• Credit Reports
• Debt Counseling
• Divorce Planning
• Finding a Financial Advisor
• Insurance Buying Strategies
• Internet Stock Trading
• IRA Rollovers
• Medicaid
• Medicare
• Money Market Accounts
• Mortgages
• Mutual Funds
• Negotiating Late Rent/Utility Payments
• Renting vs. Buying a Home
• Retirement Planning
• Reverse Mortgages
• Saving For Financial Emergencies
• Social Security Benefits
• Small Business Financing
• Student Loans
• Tax Issues
• U.S. Savings Bond

Matters involving disputes or actions between members and their employer, CLC or its plan sponsors, agents or their officers, directors or employees are specifically excluded from eligibility of this plan. Also excluded are matters that, in the attorney’s opinion, lack merit. Court costs, filing fees and fines are the responsibility of the member. Program administered by CLC, Inc. 

The CHI Health Employee Assistance Program's legal services are administered by CLC, Incorporated.

Legal

Each member is entitled to one (1) initial thirty-minute office or telephone consultation per separate legal matter at no cost with a network attorney. In the event that you wish to retain a participating attorney after the initial consultation, you will be provided with a preferred rate reduction of 25% from the attorney's normal hourly rate. Virtually all types of legal matters are eligible for these services.

Mediation

Each member is entitled to one (1) initial thirty-minute office or telephone consultation per separate legal matter at no cost with a network mediator. In the event that the member wishes to retain a participating mediator after the initial consultation, they will be provided with a preferred rate reduction of 25% from the mediator’s normal hourly rate. Typical matters may include divorce & child custody, contractual & consumer disputes, real estate & landlord tenant, car accidents & insurance disputes, etc.

“Do It Yourself” Legal Forms Document Preparation

Our simple and inexpensive online/assisted (members will have access to telephonic document preparers) process will enable consumers to complete their own legal document preparation from the comfort of their home, without incurring the cost of an attorney, or dealing with lengthy completion and delivery periods. Member’s will receive a preferred discount of 10% off and the types of forms include, divorce, wills, living wills, power of attorneys, immigration and much more.

Website

Each member shall be provided with unlimited access to the CLC Premium Web Site and its services which include (but are not limited to) enhanced legal and financial forms (there are more than 5,000 and are updated regularly) more than 45 financial calculators, professionally written articles, FAQ’s and much more. Examples of the types of matters for which members may use this program include:

Civil / Consumer Issues

This category includes issues relating to retail transactions, warranty and other consumer products matters, issues relating to governmental entitlements and benefits, advice on small claims court and other general legal matters.

Personal / Family Legal Services

These services include adoption and guardianship, custody and support matters, divorce, separation and annulment issues, name changes as well as other domestic or family law issues.

Financial Matters

Members are entitled to bankruptcy representation and defense of lending related legal issues by appropriately qualified attorneys.

Real Estate

Real estate services include assistance in the acquisition or sale of real property, lease and rental agreements, property boundary disputes and other matters surrounding personal real property.

Criminal Matters

These services include the defense of both misdemeanor as well as felony criminal acts of all kinds. IRS Matters This service assists the member in their negotiation with the IRS, whether in an audit environment or to assist them with a lien or a balance due, in order to affect the most favorable outcome.

Estate Planning Law

CLC has secured relationships with estate planning law firms that have agreed to prepare the most popular of estate planning/asset preservation vehicles at prices as low as 25% off usual fees. These services include Wills, Revocable Living Trusts, Charitable Trusts, etc.

Immigration and Naturalization

This category of services include, green cards, U.S. citizenship, work and student visas, family based immigration, deportation and removal defense, INS and immigration court appeals, asylum and many immigration issues. Matters involving disputes or actions between members and their employer, CLC or its plan sponsors, agents or their officers, directors or employees are specifically excluded from eligibility of this plan. Also excluded are matters that, in the attorney’s opinion, lack merit. Court costs, filing fees and fines are the responsibility of the member.