Air Force Nonappropriated (NAF) Benefits

(AFMAN 34-310, paragraphs 1.7., 3.12., Chapters 15 and 16)

These programs provide eligible employees with life, accidental death and dismemberment, and health insurance protection at a moderate cost to the employer and employee.

Eligibility:  To be eligible to participate, an employee MUST be a Regular civilian employee, and be employed by an AF NAFI in the U.S., or if employed outside the U.S., the employee MUST be a U.S. civilian (citizen, permanent resident, or non-citizen national of the U.S.) paid on the U.S. dollar payroll.  Regular off-duty enlisted U.S. military personnel may NOT participate in the group health plan.

·         Newly hired regular employees are eligible to enroll anytime during the first thirty days of employment.

·         If an employee does not enroll during the first 30 days of regular employment, they may request to enroll at a later date, by submitting evidence of insurability to the HR Office.

Health and Life Insurance 

·         Carrier = Aetna International

o   Medical Only

o   Medical and Dental

o   Stand Alone Dental

·         Post Tax – employee Health Deductions will be taken out of your paycheck AFTER Taxes have come out. Employee can cancel insurance at any time when enrolled as post tax.

·         Pre Tax – employee Health Deductions will be taken out of your paycheck BEFORE Taxes are taken. Employee MUST wait till open enrollment or a life altering/changing event (e.g. Marriage, birth of child, divorce) to make changes to their health or cancel.

·         For more information please come to the Human Resources Office

           (Ramstein Air Base, Building 2118, Room 139) or call 06371-47-2672.

Group Life Insurance:  MetLife – Amount of Life Insurance coverage is determined based on annual salary.

o   30 day waiting period beings at the date of hire to a regular position or the date of change of employment category (Flexible to Regular), only one waiting period is required if no break in service. Life Insurance would be effective 31^st day.

o   Basic Life and Accidental Death & Dismemberment Coverage

§  Covers active employees

§  Must be a Regular employee working at least 20 hours weekly

 

 

o   Family Member Life (FML) Coverage-Dependents:

§  Spouse

§  Unmarried children up to age 19

§  Unmarried children who are full time students will be covered up to age 23

§  Handicapped dependent child

Temporary Continuation of Group Health coverage (TCC)

·         Eligibility:  *NOTE: If you are Medicare eligible at the time of the qualifying event, you are not eligible for TCC coverage.

o   The employee’s termination of employment (includes retirement or layoff) or loss of eligibility due to reduction in hours.

o   The employee’s death.

o   The employee’s divorce or legal separation.

o   A dependent child has ceased to be an eligible dependent (e.g. has reached limiting eligibility age under the Group Health Policy).

o   Loss of employment due to disability.

·         For more information please come to the Human Resources Office (Ramstein Air Base, Building 2118, Room 139) or call 06371-47-2672.

401K – Wells Fargo - This Plan provides eligible employees with an employee and employer contributory retirement savings plan.

·         Eligibility:  An employee MUST be a Regular employee with 30 days of service as a Regular employee.

o   Vested after three years from the date you become a Regular employee.

o   PRE-TAX contributions reduces taxable income.

o   Employee can contribute from 1% - 92%.

o   Improves Financial Security.

o   Employer Gives You “Free” Money up to 3%.

·         For More information please come to the Human Resources Office (Ramstein Air Base, Building 2118, Room 139) or call 06371-47-2672.

AF NAF Retirement – Financial Benefits make it wise to participate.  Stable investment.  Not reliant on The Stock Market Values/Trends.

·         Eligibility:  MUST be a regular employee for one year.

o   Vested after five years from date the date you enroll in AF NAF Retirement.

o   Employee contributes one percent of Basic Pay.