ERMCO
Beginning in 1962 as a small electrical maintenance company with a staff of three, ERMCO, Inc. has grown to be one of the top electrical, systems and automation contractors in the United States. Employees of ERMCO, Inc. are dedicated to the business of building relationships including being actively involved in multiple associations and organizations throughout the construction industry. They develop innovative solutions that enable efficient design, installation, integration and management of power, systems, and controls resources.
Case Specifics
| Phone #: | 866-446-2085 | Plan Year: | January 1st – December 31st |
| Call Center Hours: | 8:30am – 8:00pm (EST) | Self-Service URL: | myermcobenefits.com |
| System: | HRally | Portal Login: | 2-Factor Authentication |
| TLC Link: | ERMCO Docs |
Call Reminders
Standard Greeting – “Thank you for calling the ERMCO Benefits Center, my name is __________, how may I provide great service today?”
- Client Identifier (used to pull up Employee) – EEID Number
- HIPAA Verification – Date of Birth and Address
Standard Closing – Recap the enrollment and confirm approval. Always ask if the Employee has any additional questions or needs help with anything else. “Please stay on the line to answer a brief 4 question survey. Thank you and have a great day!”
Need the Details? Click to View – Training Presentation
Helping an Employee with portal login? Click to View – 2-Factor Troubleshooting
Need a Translator? Click to View – Language Line
Enrolling in Voluntary Benefits? Click to View – Voice Recording Process
Hot Topics & Trending Issues
All 2025 plans are now in effect. For further details regarding the 2025 Open Enrollment highlights and changes, click to view the 2025 Training Presentation
Workflows
Important: Special workflow for New Hires Not Yet in the System: If a call is received from an EE, who is not yet in HRally, the Counselor should create an issue for Lauren Megill to confirm eligibility. Lauren will then confirm with ERMCO. The Counselor will then receive a ticket back to do outreach.
Eligibility
Click to View the Guidebook: Non-Union Employees / Union Employees
All active Full-Time Employees are eligible to enroll in benefits. When electing coverage for themselves, they may also cover their eligible dependents.
Eligible dependents include:
- Legal Spouse, unless you are legally separated or divorced
- Natural Children, Step-Children, Legally Adopted Children, and any other children for whom the Employee has legal guardianship
Important Dates:
New Hires
- Enrollment Period: 30 Days from their Date of Hire
- Effective Date of Coverage: 1st Day of Employment
- Dependent Verification: Documents are required to be submitted within 15 days of enrollment.
Qualifying Life Events: Benefits elected or waived during a new hire event, or during annual open enrollment will remain in effect through the full calendar year unless there is a qualifying event as defined by the IRS.
- Must be Reported: Within 30 days of the Date of the Event
- Coverage will Begin: The Date of the Event
- Verification: Due Within 30 Days of the Event
Coverage Termination:
- Terminated Employees: Coverage will end the Date of Termination
- Dependent Age-Out: End of the Month following the 26th Birthday
Spousal Surcharge
Spousal Surcharge: Applies if a Spouse declines Employer group coverage to be on ERMCO’s plan.
- Non-Union Employees: A Spousal Surcharge of 1.5x the monthly premium applies if the non-Union Employee’s Spouse declines their Employer Group Coverage to be on ERMCO’s plan.
- Union Employees: A Spousal Surcharge of $25 per week applies if the Union Employee’s Spouse declines their Employer Group Coverage to be on ERMCO’s plan.
Union Employees
There are some slight differences we need to be aware of regarding the Union population.
Opt-Out Credits
- All Union Employees who waive the ERMCO Health Plans will receive an Opt-Out credit of $50 per week, provided they attest on the portal that they have coverage elsewhere, and not from the marketplace.
Dental Rates
- Union Employees will see slightly different Dental Rates.
Dependent Verification
Upload – www.myermcobenefits.com
Fax – 732-722-5008
Email – myermcodocs@winstonbenefits.com
Life Event Cover Sheet / Dependent Verification Cover Sheet
Carriers, Contacts & Plans
| Plan | Contact Information | Click Link to View Details |
| Medical: Cigna - 2025 |
888-806-5042 |
|
| Dental: Cigna |
888-806-5042 |
|
| Vision: Cigna |
888-806-5042 |
Vision Summary |
| HSA/FSA: WEX Benefits |
866-451-3399 |
|
| Life and AD&D/Disability: Unum |
866-679-3054 |
|
| Voluntary Benefits (Accident, Hospital Indemnity, Critical Illness): Aflac Benefits |
901-756-6801 |
|
| Pet Insurance: Nationwide |
877-738-7874 |
|
| Cigna One Guide |
888-806-5042 |
Cigna One Guide Flyer |
| EAP: SupportLinc |
888-881-5462 |
SupportLinc Flyer |
| 401(k): Principal |
800-986-3343 |
|
| COBRA |
866-451-3399 |
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