Select “NEW USER? CREATE ACCOUNT” Enter your registration pass code: caravanfm-4321 Click the NEXT button and follow on-screen instructions. If having trouble logging in, contact the HR Generalist at 989-484-9784

Click “FORGOT YOUR USER ID?” at the bottom, and follow the instructions. If having trouble logging in, contact the HR Generalist at 989-484-9784

After entering your USER ID, click “FORGOT YOUR PASSWORD?” Then, follow the prompts. If you have trouble logging in, contact the HR Generalist at 989-484-9784.

Spouse, child, stepchild, adopted child, and child for whom you have guardianship

Non-married partner Girlfriend / boyfriend Child of non-married partner (if you are not listed on the birth certificate or paying child support on) Parent Siblings **Anyone other than spouse, child, stepchild, adopted child, child for whom you have guardianship

This is a required field, so it is best to save your benefit changes without confirming. Gather the required SSN and enter it into the system. Once the SSN is entered, complete the enrollment, and confirm the changes. Benefit coverage is reported to the IRS on the 1095C form. It is important that the SSN be correct. DO NOT ENTER AN INCORRECT SSN and DO NOT ENTER THE SAME SSN FOR ALL OF YOUR DEPENDENTS.

Supplemental Child life coverage ends at age 19, unless the child is a full-time student and financially dependent upon you. If this box is not checked, and the child is 19 or older, you will not be able to enroll the child in Supplemental Child Life Coverage. (Please note that the Insurance company will require proof of financial dependency before paying any claims.)

Caravan uses a Dependent Verification System. You will be prompted to upload proof that the dependent is your dependent.

A copy of your marriage license or a copy of your Federal 1040 that shows your spouse as a dependent

A copy of the child’s birth certificate showing you or your spouse as the parent, legal adoption documentation, child support order (must come direct from the court) or legal guardianship documents

You will have to upload documents through one of the following means: 1. After confirming benefits, the option to Upload now will pop up through the system. 2. You will receive additional instructions by mail. 3. Fax documents Benefits to 989-484-9025 4. Scan and email documents to benefits@caravanfm.com 5. Call the benefits office: 989-484-9789

Be sure that... 1. You have primary beneficiary(ies) that equal 100%. 2. Each benefit tile has been reviewed and confirmed. Go back and select the first tile (Medical) and confirm Continue to review/confirm each item.

Yes, if the change is made before 3/7/2021. You will need to confirm each benefit tile again and get another confirmation number.

Your benefits will remain the same. Caravan still recommends reviewing your current benefits and reviewing your beneficiary on file.

Note: The enrollment period opens 2/15/21 and closes 3/7/2021. If you are unable to update your benefits within the Annual enrollment dates of 2/15/21-3/7/21, please call the benefits office at 989-484-9789.

The rule is due to regulatory compliance for group health plans. Therefore, you can only make changes once a year, unless you have a Qualifying Life event such as marriage, divorce, birth or adoption of a child, loss of other coverage, or gain of other coverage. (Go to myadp.com -> Benefits -> Report Qualifying Change).

Go to myadp.com -> Benefits -> Report Qualifying Change. Please note proof of the qualifying change will be required. You will be prompted to upload the documentation.

Deductions begin with the pay period that includes 4/1/2021. Bi-weekly pay group = 4/23/2021 Weekly pay group= 4/9/2021

This is a company paid benefit and eligible employees are automatically enrolled.

This is a company paid benefit and eligible employees are automatically enrolled and the amount is based on your union contract or non-union policy. You can add additional coverage by enrolling in the Supplemental Coverage.

This means you have not updated or reviewed your beneficiary in the last 4 years, please add a beneficiary.

A beneficiary is required to complete your enrollment. You can list a charity (example: local Church), a trust, an estate, or any person you choose (example: neighbor, friend, pastor).

If all the family members are already listed as dependents, select Update Allocations and each dependent will pop up. Under the primary beneficiary column, enter the percentage for each person to receive. Please note it must equal 100%. For example, if you wish to have fifty percent of the life insurance go to your spouse and the remaining fifty percent divided among your 2 children, it will look like this: SPOUSE = 50%, CHILD A = 25% AND CHILD B = 25% TOTAL ALLOCATION= 100%

Yes, however you will be required to complete an Evidence of Insurability form (EOI) that will be emailed to you from benfits@caravanfm.com. PLEASE NOTE: Your coverage will NOT be in effect until the form is completed, turned into SunLife, and approved.

Answer 1--if you are already enrolled and approved for coverage, you can increase the employee supplemental life coverage by $10,000 (up to $150,000 as long as it's less than 5x your income) at Annual Enrollment, and you do not have to complete an Evidence of Insurability Form (EOI). Answer 2--if you increase coverage by more than $10,000 (up to $150,000 as long as it's less than 5x your income), you will be required to complete an Evidence of Insurability form (EOI), that will be emailed to you form benfits@caravanfm.com. Your coverage increase will NOT be in effect until the form is completed, turned into SunLife, and approved. PLEASE NOTE THE AMOUNT YOU WERE PREVIOUSLY APPROVED FOR WILL REMAIN IN PLACE.

Your Supplemental coverage is a separate policy and requires a separate beneficiary designation. Your beneficiary for the Supplemental coverage does not have to be the same as the BASIC LIFE & ADD.

The primary beneficiary is first in line to get the life insurance, if that person is deceased at the time of your death then (and only then) does the secondary beneficiary receive the life insurance funds.

Your spouse is not listed as a dependent OR You have not enrolled in Employee Supplemental Life coverage. Employee Supplemental Life must be equal to or more than the Spousal coverage amount.

Yes. You will be required to complete an Evidence of Insurability form (EOI) for the Employee coverage. The form will be emailed to you. PLEASE NOTE: Both Employee & Spouse coverage will NOT be in effect until the form is completed, turned into SunLife, and approved.

Yes, you can enroll for an amount equal to or less than the Employee Supplemental Life Coverage amount up to $25,000. However, your spouse will be required to complete an Evidence of Insurability form (EOI); the form will be emailed to you. PLEASE NOTE: Spouse coverage will NOT be in effect until the form is completed, turned into SunLife, and approved.

Answer 1---Yes, if you are already enrolled and approved for coverage, you can increase the employee supplemental life coverage by $5,000 (up to $25,000) at Annual Enrollment and you do not have to complete an Evidence of Insurability Form (EOI). PLEASE NOTE: Coverage increase will not take effect until 4/1/2021. OR Answer 2---Yes, however if you increase coverage by more than $5,000 (up to $25,000) you will be however you will be required to complete an Evidence of Insurability form (EOI) that will be emailed to you form benfits@caravanfm.com. Your coverage increase will NOT be in effect until the form is completed, turned into SunLife, and approved. PLEASE NOTE THE AMOUNT YOU WERE PREVIOUSLY APPROVED FOR WILL REMAIN IN PLACE.

The employee is automatically the beneficiary for Spouse Supplemental Coverage; this cannot be changed.

Your child is not listed as a dependent OR You have not enrolled in Employee Supplemental Life coverage. Employee Supplemental Life must be equal to or more than the $10,000.

No, the Child Supplemental Coverage is set at $10,000.

The Child Supplemental Coverage will cover all dependent children under 19 that you have listed as dependents. The rate does not increase/decrease.

Yes, coverage will show pending until after Annual Enrollment is complete.

Yes, however you will be required to complete an Evidence of Insurability form (EOI) for the Employee coverage. The form will be emailed to you. PLEASE NOTE: Both Employee & Child coverage will NOT be in effect until the form is completed, turned into SunLife, and approved.

The employee is automatically the beneficiary for Child Supplemental Coverage; this cannot be changed.

There are 5 options: 1. After confirming benefits, the option to Upload Now will pop up. 2. You will receive additional instructions by mail. 3. Fax documents Benefits to 989-484-9025 4. Scan and email documents to benefits@caravanfm.com 5. Call the benefits office 989-484-9789