Legal Notices

  • Mandated Health Plan Information

    According to Federal regulations all employers MUST provide information annually pertaining to certain rights covered under health plans.

    In order to protect your family’s rights, you should keep the Plan Administrator informed of any changes in the addresses of family members. You should also keep a copy, for your records, of any notices you send to the loanDepot Human Resources Department.

    If you have any questions regarding the below information, please contact your Benefits Department at 949-465-8414.

    HIPAA SPECIAL ENROLLMENT RIGHTS

    If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group health plan coverage, you may be able to enroll yourself or your dependents in this plan if you or your dependents lose eligibility for that other coverage (or if the employer stops contributing towards your or your dependents’ other coverage). However, you must request enrollment within 31 days after your or your dependents’ other coverage ends (or after the employer stops contributing toward the other coverage).

    If you have a new dependent as result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents. However, you must enroll within 31 days after the marriage, birth, adoption, or placement for adoption.

    Special enrollment rights also may exist in the following circumstances:

    If you or your dependents experience a loss of eligibility for Medicaid or a State Children’s Health Insurance Program (SCHIP) coverage and you request enrollment within 60 days after that coverage ends; or

    If you or your dependents become eligible for a state premium assistance subsidy through Medicaid or a SCHIP program with respect to coverage under this plan and you request enrollment within 60 days after the determination of eligibility for such assistance.

    Note: The 60-day period for requesting enrollment applies only in these last two listed circumstances relating to Medicaid and SCHIP. As described above, a 30-day period applies to most special enrollments.

    To request special enrollment or obtain more information, contact your Human Resources representative at the phone number provided above.

    HIPAA NOTICE OF AVAILABILITY OF NOTICE OF PRIVACY PRACTICES

    loanDepot’s Health Plan (the “Plan”) provides health benefits to eligible employees of loanDepot (the “Company”) and their eligible dependents as described in the summary plan description(s) for the Plan. The Plan creates, receives, uses, maintains and discloses health information about participating employees and dependents in the course of providing these health benefits. The Plan is required by law to provide notice to participants of the Plan’s duties and privacy practices with respect to covered individuals’ protected health information, and has done so by providing to Plan participants a Notice of Privacy Practices, which describes the ways that the Plan uses and discloses protected health information. To receive a copy of the Plan’s Notice of Privacy Practices you should contact your Benefits representative, who has been designated as the Plan’s contact person for all issues regarding the Plan’s privacy practices and covered individuals’ privacy rights. You can reach the Benefits Department at the phone number at the top of this page.

    WOMEN’S HEALTH AND CANCER RIGHTS ACT (WHCRA)

    If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient, for: All stages of reconstruction of the breast on which the mastectomy was performed; Surgery and reconstruction of the other breast to produce a symmetrical appearance; Prostheses; and Treatment of physical complications of the mastectomy, including lymphedema.

    If you would like more information on WHCRA benefits, call your Benefits Department at the phone number provided above.

    PATIENT PROTECTION DISCLOSURE

    The medical plan options offered under loanDepot’s Health Benefit Plan generally allow the designation of a primary care provider. You have the right to designate any primary care provider who participates in our network and who is available to accept you or your family members. For information on how to select a primary care provider, and for a list of the participating primary care providers, contact UnitedHealthcare at the number on your ID card.

    For children, you may designate a pediatrician as the primary care provider.

    NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT

    Group health plans and health insurance issuers generally may not, under federal law, restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section. However, federal law generally does not prohibit the mother's or newborn's attending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtain authorization from the plan or the issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).

    GENETIC INFORMATION NONDISCRIMINATION ACT (GINA)

    The Genetic Information Nondiscrimination Act of 2008 (GINA) prohibits employers and other entities covered by GINA from requesting or requiring genetic information of an individual or family member of the individual, except as specifically allowed by this law. To comply with this law, we are asking that you not provide any genetic information when completing your Health Risk Assessment. “Genetic information” as defined by GINA, includes an individual’s family medical history, the results of an individual’s or family member’s genetic tests, the fact that an individual or an individual’s family member sought or received genetic services, and genetic information of a fetus carried by an individual or an individual’s family member or an embryo lawfully held by an individual or family member receiving assistive reproductive services. Please do not include any family medical history or any information related to genetic testing, genetic services, genetic counseling or genetic diseases for which an individual may be at risk.

    REQUEST FOR SOCIAL SECURITY NUMBER

    A Mandatory Insurer Reporting Law (Section 111 of Public Law 110-173) requires group health plan insurers, third-party administrators (TPAs), and plan administrators or fiduciaries of self-insured/self-administered group health plans (GHPs) to report, as directed by the Secretary of the Department of Health and Human Services, information that the Secretary requires for purposes of coordination of benefits. The law also imposes this same requirement on liability insurers (including self-insurers), no- fault insurers, and workers’ compensation laws or plans. Two key elements that are required to be reported are HICNs (or SSNs) and EINs. In order for Medicare to properly coordinate Medicare payments with other insurance and/or workers’ compensation benefits, Medicare relies on the collection of both the HICN (or SSN) and the EIN, as applicable.

    As a subscriber (or spouse or family member of a subscriber) to a GHP arrangement, HTA will ask for proof of your Medicare program coverage by asking for your Medicare HICN (or your SSN) to meet the requirements of P.L. 110-173 if this information is not already on file with your insurer. Similarly, individuals who receive ongoing reimbursement for medical care through no-fault insurance or workers’ compensation or who receive a settlement, judgment, or award from liability insurance (including self-insurance), no-fault insurance, or workers’ compensation will be asked to furnish information concerning whether or not they (or the injured party if the settlement, judgment or award is based on an injury to someone else) are Medicare beneficiaries and, if so, to provide their HICNs or SSNs. Employers, insurers, TPAs, etc., will be asked for EINs. To confirm that this ALERT is an official government document and for further information on the mandatory reporting requirements under this law, please visit http://www.cms.gov/ on the CMS website.

  • Prescription Drug Coverage and Medicare

    Important Notice from loanDepot About Your Prescription Drug Coverage and Medicare

    Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with loanDepot and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.

    There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage:

      1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
      2. loanDepot has determined that the prescription drug coverage offered by loanDepot is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.

    WHEN CAN YOU JOIN A MEDICARE DRUG PLAN?

    You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th.

    However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.

    WHAT HAPPENS TO YOUR CURRENT COVERAGE IF YOU DECIDE TO JOIN A MEDICARE DRUG PLAN?

    If you decide to join a Medicare drug plan, your current loanDepot coverage will not be affected. You can keep the loanDepot coverage if you elect part D and the Plan will coordinate with Part D coverage; See pages 7- 9 of the CMS Disclosureof Creditable Coverage To Medicare Part D Eligible Individuals Guidance available at: http://www.cms.hhs.gov/CreditableCoverage/ which outlines the prescription drug plan provisions/options that Medicare eligible individuals may have available to them when they become eligible for Medicare Part D.

    If you do decide to join a Medicare drug plan and drop your current loanDepot coverage, be aware that you and your dependents will be able to get this coverage back.

    WHEN WILL YOU PAY A HIGHER PREMIUM (PENALTY) TO JOIN A MEDICARE DRUG PLAN?

    You should also know that if you drop or lose your current coverage with loanDepot and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later.

    If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join.

    FOR MORE INFORMATION ABOUT THIS NOTICE OR YOUR CURRENT PRESCRIPTION DRUG COVERAGE…

    Contact the person listed below for further information. NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through loanDepot changes. You also may request a copy of this notice at any time.

    FOR MORE INFORMATION ABOUT YOUR OPTIONS UNDER MEDICARE PRESCRIPTION DRUG COVERAGE…

    More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans.

    For more information about Medicare prescription drug coverage:

    • Visit http://www.medicare.gov/
    • Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help
    • Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877- 486-2048.
    • If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at http://www.socialsecurity.gov,/ or call them at 1-800-772-1213 (TTY 1-800-325-0778).

      Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty).

      Date:

      Name of Entity/Sender:loanDepot

      Contact Position/Office:Laura Hohl, Benefits Manager

      Address: 26642 Towne Centre Drive, Foothill Ranch, CA 92610

      Phone Number:(949) 465-8414

  • Medicaid and CHIP

    TBD Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)

    If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov/

    If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP office to find out if premium assistance is available.

    If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or www.insurekidsnow.gov/ to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums for an employer-sponsored plan.

    If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov/ or call 1-866-444-EBSA (3272).

    If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of states is current as of July 31, 2016. Contact your State for more information on eligibility.



    State Contact Information

    To see if any other states have added a premium assistance program since July 31, 2016, or for more information on special enrollment rights, contact either:

    U.S. Department of Labor
    Employee Benefits Security Administration
    www.dol.gov/ebsa
    1-866-444-EBSA (3272)
    U.S. Department of Health and Human Services
    Centers for Medicare & Medicaid Services
    www.cms.hhs.gov
    1-877-267-2323, Menu Option 4, Ext. 61565



    State - Program Contact Information
    ALABAMA – Medicaid Website: http://www.myalhipp.com/
    Phone: 1-855-692-5447
    ALASKA – Medicaid The AK Health Insurance Premium Payment Program
    Website: http://myakhipp.com/
    Phone: 1-866-251-4861
    Email: CustomerService@MyAKHIPP.com
    Medicaid Eligibility: http://dhss.alaska.gov/dpa/Pages/medicaid/default.aspx
    COLORADO — Medicaid Medicard Website: http://www.colorado.gov/hcpf
    Medicaid Customer Contact Center: 1-800-221.3943
    FLORIDA – Medicaid Website: http://flmedicaidtplrecovery.com/
    Phone: 1-877-357-3268
    GEORGIA – Medicaid Website: http://dch.georgia.gov/
    [Click on Programs, then Medicaid, then Health Insurance Premium Payment (HIPP)]
    Phone: 404.656.4507
    INDIANA – Medicaid Healthy Indiana Plan for low-income adults 19-64
    Website: http://www.hip.in.gov/
    Phone: 1-877-438-4479
    All other Medicaid
    Website: http://www.indianamedicaid.com/
    Phone 1-800-403-0864
    IOWA – Medicaid Website: www.dhs.state.ia.us/hipp/
    Phone: 1-888-346-9562
    KANSAS – Medicaid Website: http://www.kdheks.gov/hcf/
    Phone: 1-785-296-3512
    KENTUCKY – Medicaid Website: http://chfs.ky.gov/dms/default.htm
    Phone: 1-800-635-2570
    LOUISIANA – Medicaid Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331
    Phone: 1-888-695-2447
    MAINE – Medicaid Website: http://www.maine.gov/dhhs/ofi/public-assistance/index.html
    Phone: 1-800-442-6000
    MASSACHUSETTS – Medicaid and CHIP

    Medicaid & CHIP Website: http://mass.gov/MassHealth
    Medicaid & CHIP Phone: 1.800.462.1120

    MINNESOTA – Medicaid Website: http://mn.gov/dhs/ma/
    Phone: 1-800-657-3739
    MISSOURI – Medicaid Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm
    Phone: 1-573-751-2005
    MONTANA – Medicaid Website: http://medicaid.mt.gov/member
    Phone: 1-800-694-3084
    NEBRASKA – Medicaid Website: http://www.accessnebraska.ne.gov/
    Phone: 1-855-632-7633
    NEVADA – Medicaid Medicaid Website: http://dwss.nv.gov/
    Medicaid Phone: 1-800-992-0900
    NEW HAMPSHIRE – Medicaid Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf
    Phone: 603-271-5218
    NEW JERSEY – Medicaid and CHIP

    Medicaid Website: http://www.state.nj.us/humanservices/dmahs/clients/medicaid/
    Medicaid Phone: 609-631-2392
    CHIP Website: http://www.njfamilycare.org/index.html
    CHIP Phone: 1-800-701-0710
    NEW YORK – Medicaid Website: http://www.nyhealth.gov/health_care/medicaid/
    Phone: 1-800-541-2831
    OKLAHOMA – Medicaid and CHIP Website: http://www.insureoklahoma.org
    Phone: 1-888-365-3742
    OREGON – Medicaid Website: www.oregonhealthykids.gov/
    www.hijossaludablesoregon.gov/
    Phone: 1-800-699-9075
    PENNSYLVANIA – Medicaid Website: http://www.dhs.state.pa.us/hipp
    Phone: 1-800-692-7462
    RHODE ISLAND – Medicaid Website: http://www.eohhs.ri.gov/
    Phone: 401-462-5300
    SOUTH CAROLINA – Medicaid Website: http://www.scdhhs.gov
    Phone: 1-888-549-0820
    SOUTH DAKOTA – Medicaid Website: http://dss.sd.gov
    Phone: 1-888-828-0059
    TEXAS – Medicaid Website: http://gethipptexas.com/
    Phone: 1-800-440-0493
    UTAH – Medicaid and CHIP Medicaid: http://health.utah.gov/medicaid
    CHIP: http://health.utah.gov/chip
    Phone: 1-877-543-7669
    VERMONT – Medicaid Website: http://www.greenmountaincare.org/
    Phone: 1-800-250-8427
    VIRGINIA – Medicaid and CHIP Medicaid Website: http://www.coverva.org/programs_premium_assistance.cfm
    Medicaid Phone: 1-800-432-5924
    CHIP Website: http://www.coverva.org/programs_premium_assistance.cfm
    CHIP Phone: 1-855-242-8282
    WASHINGTON – Medicaid  Website: http://www.hca.wa.gov/medicaid/premiumpymt/pages/index.aspx
    Phone: 1-800-562-3022 ext. 15473
    WEST VIRGINIA – Medicaid Website: http://www.dhhr.wv.gov/bms/Medicaid Expansion/Pages/default.aspx
    Phone: 1-877-598-5820, HMS Third Party Liability
    WISCONSIN – Medicaid  Website: https://www.dhs.wisconsin.gov/publications/p1/p10095.pdf
    Phone: 1-800-362-3002
    WYOMING – Medicaid Website: https://wyequalitycare.acs-inc.com/
    Phone: 307-777-7531
  • Health Insurance Marketplace Coverage

    New Health Insurance Marketplace Coverage Options and Your Health Coverage

    PART A: General Information

    When key parts of the health care law took effect in 2014, there was a new way to buy health insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, this notice provides some basic information about the Marketplace and employment-based health coverage offered by your employer.

    What is the Health Insurance Marketplace?

    The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options. You may also be eligible for a tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins in November each year for coverage starting as early as the immediately following January 1.

    Can I Save Money on my Health Insurance Premiums in the Marketplace?

    You may qualify to save money and lower your monthly premium, but only if your employer does not offer coverage, or offers coverage that doesn’t meet certain standards. The savings on your premium that you’re eligible for depends on your household income.

    Does Employer Health Coverage Affect Eligibility for Premium Savings through the Marketplace?

    Yes. If you have an offer of health coverage from your employer that meets certain standards, you will not be eligible for a tax credit through the Marketplace and may wish to enroll in your employer’s health plan.

    However, you may be eligible for a tax credit that lowers your monthly premium, or a reduction in certain cost- sharing if your employer does not offer coverage to you at all or does not offer coverage that meets certain standards. If the cost of a plan from your employer that would cover you (and not any other members of your family) is more than 9.69% of your household income for the year, or if the coverage your employer provides does not meet the “minimum value” standard set by the Affordable Care Act, you may be eligible for a tax credit.

    Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered by your employer, then you may lose the employer contribution (if any) to the employer-offered coverage. Also, this employer contribution -as well as your employee contribution to employer-offered coverage- is often excluded from income for Federal and State income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis.

    How Can I Get More Information?

    For more information about your coverage offered by your employer, please check your summary plan description or contact the Benefits Department at 949-465-8414.

    The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area.