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You or a Family Member Needs Mental Health or Chemical Dependency Care
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You or a Family Member Needs Mental Health or Chemical Dependency Care
If you or a family member needs mental health or chemical dependency care, you should review your benefits before your receive care.
Things to Do
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Call the Employee Assistance Program (EAP) at 1-800-544-8320 for confidential, free counseling, and for guidance on whether a referral for more intensive care is appropriate. The EAP is available to every employee, whether or not you are enrolled for medical coverage.
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Review your medical plan option summary to understand how mental health and chemical dependency care are covered and to find out about requirements for precertification, referrals and any limits on visits or days of inpatient care.
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Submit claims to the Healthcare FSA for any expenses not covered by your plan.
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If you are unable to work because of your condition, you may qualify for disability benefits. Call the Corporation's disability insurance carrier, Liberty Mutual at 1-800-853-7109, to report your illness and to see if you qualify for short-term disability salary replacement benefits.
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If you need to take time because of your own serious health condition but you are not disabled, you may be eligible for an FMLA or Optional Leave, as described in the Human Resources Guide to Working at The McGraw-Hill Companies. You also may be able to take FMLA or Optional Leave to care for a family member with a serious health condition.
How This Event Affects…
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If you are covered under another plan, in addition to your Corporation medical coverage, review the coordination of benefits features of each plan to see if you can submit your medical expenses to more than one plan for payment.
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If you participate in the 401(k) savings plan and you have substantial medical expenses that are not paid by insurance or any other employer-provided benefit plan, you may be able to request a hardship withdrawal or hardship loan.
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If you, your spouse's, or your domestic partner's income changes due to a disability, you may want to adjust your 401(k) savings contribution rate.
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