20xx Benefits Guide
What's InsideWho Is Eligible?...................................................................................................................3Enrolling in Your Benefits...................................................................................................3COBRA Coverage – If You Leave Your Job.......................................................................4Ready to Enroll?..................................................................................................................5Living a Healthy Life...........................................................................................................6Benefit Terms & Definitions................................................................................................9Medical Coverage – To Keep You Healthy......................................................................10Your Medical Plan Options...............................................................................................11Your Medical Plan Options 2............................................................................................12How the Health Savings Account (HSA) Works..............................................................13How the Health Reimbursement Account (HRA) Works................................................14Dental Coverage – Worth Smiling About.........................................................................15Vision Coverage – Protect Your Eyesight.......................................................................16Your Cost for Coverage ...................................................................................................17Flexible Spending Accounts (FSAs) – Save Money by Planning Ahead......................18Commuter Benefit Plan – Keeping You Moving.............................................................18Life and AD&D – Coverage for Peace of Mind................................................................19Disability Coverage – Prepare for the Unexpected........................................................21Business Travel Accident (BTA) Insurance – We’ve Got You Covered........................21401(k) Retirement Plan – Save Now for a Secure Future...............................................22Employee Stock Purchase Plan (ESPP) – A Wealth of Opportunity.............................23Long-Term Care Insurance – An Important Part of Retirement Planning....................24Identity Theft Coverage – Prevention and Protection....................................................25Legal Services – Professional Legal Support When You Need It.................................25Tuition Assistance – Keep Your Mind Sharp...................................................................26529 College Savings Plan – Plan for the Future.............................................................26Voluntary Pet Insurance – Take Care of Their Health Too.............................................26Voluntary Worksite Benefits –Complete Your Coverage...............................................27Your Benefits Contacts – Reach Out to the Experts......................................................28 2
Welcome to Your [ABC] Benefits! At [ABC], we consider our employees to be our most valuable asset. You work hard to support our company goals and we want to reward you for your commitment and dedication. To enhance your overall compensation, we are pleased to offer distinctive employee programs, competitive benefits, and valuable resources to help you live your best life. Your benefit needs change as your life changes. Whether you’re just out of college, have an active family, or are getting close to retirement, we offer plans that fit your stage of life. Taking the time to research your options will help you make the most of the benefits available to you and choose the right coverage for you and your family. We understand that information is key when it’s time to make choices about your health benefits. In this guide, you’ll find details about your benefit options. We encourage you to carefully review the plans and select the right coverage for your unique needs.Who Is Eligible?As an active, full-time [, or part-time] employee working at least x hours perweek, you are eligible to participate in the [ABC] benefits program on [the first ofthe month following x days of employment] [the first of the month following yourdate of hire] [your date of hire].You may enroll your eligible dependents in many of the same plans you choosefor yourself. Proof of dependent status may be required to enroll. Eligibledependents include: Your legal spouse or [registered] domestic partner Your natural, adopted, or stepchildren up to age 26 Your dependent children of any age, if disabled and incapable of self- support due to mental or physical disability (child must be disabled prior to reaching age 26).Enrolling in Your BenefitsThe choices you make when you first become eligible are in effect for theremainder of the plan year. It’s important to review your benefit options andchoose the best coverage for you and your family.You have three opportunities to enroll or make changes: 1. Within 30 days of your eligibility date 2. Within 30 days of a qualified change in family status. Examples include: a. Marital status change (marriage, divorce, or legal separation) b. Birth or adoption of a child c. Death of a dependent d. Loss or gain of other health coverage for you and/or dependents. e. Change in employment status f. Change in Medicaid/Medicare eligibility for you or a dependent g. Receipt of a Qualified Medical Child Support Order (or other court order) 3. During the annual enrollment period 3
COBRA Coverage – If You Leave Your JobYour [ABC] employer-sponsored benefits end on [your date of termination] [the last day of the month following yourtermination]. You may be eligible to continue coverage for certain benefits for yourself and your dependents as allowedunder the Consolidated Omnibus Budget Reconciliation Act (COBRA).The following benefits qualify for COBRA coverage: Medical and Prescription Drug Dental Vision [Flexible Spending Accounts (FSAs)] [Health Reimbursement Account (HRA)] Employee Assistance Program (EAP)If you participate in COBRA, you must enroll within 60 days of your notification date or coverage end date. You will beresponsible for making monthly payments for the full premium, plus a 2% administration fee. In most cases, COBRAcoverage is available for up to 18 months, though extensions may be available under qualifying circumstances. 4
Ready to Enroll?It’s important to review your needs and the needs of your family so you canmake the best choices from the options available to you. Follow these stepsto enroll in your benefits. 1. Evaluate Your Needs Be a smart health care shopper and ask yourself the following questions: Who should I cover? Evaluate your coverage options for all dependents who meet eligibility requirements. How much did I spend on health care this past year? Consider your past expenses to help you plan for the future. Will I need more or less health care coverage next year? Estimate the amount of health care you will require in the upcoming year. 2. Review Your Options Review this benefits guide to compare your options and evaluate plan costs and potential savings. 3. Enroll Online [Complete the Enrollment Forms] [Visit [Enrollment Website] to enroll.] [Enter your username and password.] [Follow the prompts to select or waive each of your benefit options.] If waiving coverage, follow the prompts online [check the box on the form] to signify you are waiving coverage. Submit your elections [enrollment forms to [Human Resources]]. 4. Confirm Your Elections After you submit your elections, review your confirmation statement carefully to make sure your benefits and dependent information are correct. Helpful Enrollment Tip Each year you wish to participate in a Flexible Spending Account, Health Savings Account, or Commuter Plan, you must designate the amount you want to contribute to each account from your paycheck up to annual IRS limits.5
Living a Healthy LifeLiving a healthy life is about finding balance. It means drinking more water, eating healthy, staying active, managingstress, maintaining healthy relationships, getting regular preventive screenings, and, of course, taking time for plentyof FUN.At [ABC], we’re all about helping you achieve that balance so you can live the healthiest life possible. That’s why wedesigned our benefits package to meet a wide range of employee needs to support physical, mental, emotional, andfinancial health. We hope you take advantage of the wonderful health and wellness programs available to you.[ABC] Wellness Program – Keep [ABC] Wellness Program – KeepYour Health on Track (Option 1) Your Health on Track (Option 2)At [ABC], we want to make reaching your wellness goals At [ABC], we want to make reaching your wellness goalseasy and attainable. To help you get the results you want, easy and attainable. To help you get the results you want,we are pleased to offer a wellness program to support your we are pleased to offer a wellness program to support yourefforts to develop and maintain a healthy lifestyle. efforts to develop and maintain a healthy lifestyle.Follow these steps to get started! Our wellness program can help you:Step1: [Enroll in the [ABC] Wellness Program] Develop healthy goalsStep2: [Complete the activities] Make positive lifestyle changesStep3: [Receive rewards] Increase productivity at work and at homeBy participating in [ABC’s] Wellness Program, you’re Manage and reduce health care coststaking key steps toward achieving and maintaining yourown health, all while [earning discounts toward your Lead a healthier lifemedical premiums for next year] [earning points towardsyour incentive options]. Take an active role in your health and improve your quality of life by participating in the [ABC] wellness programIf you are enrolled in one of our medical plans, you can throughout the year.earn incentives by completing health-related activitiesthroughout the year. You and your spouse or partner canenjoy a personalized, interactive experience while youbuild healthy habits benefiting all areas of your life.Explore wellness information, resources, and more at[Wellness Website]. 6
Fitness Reimbursement – Save Money TelemedicineWhile Getting Fit Care Whenever You Need ItWe support your efforts to lead an active and healthy lifestyle. The FitnessReimbursement program, through [Fitness Reimbursement Carrier], rewards [Medical Carrier 1]you [and your spouse or domestic partner] for visiting a participating gym. There $x copayis no cost for enrolling in this program, however you are responsible for paying Call [Medical Carrier 1 Phone]the cost of the gym membership. You must complete x visits in a x-month period Online at [Medical Carrier 1 Website]to qualify to receive up to $x. [Your spouse or domestic partner must complete xvisits in a x-month period to receive up to $x]. [Medical Carrier 2] $x copayContact [Fitness Reimbursement Carrier] at [Fitness Reimbursement Phone] or Call [Medical Carrier 2 Phone][Fitness Reimbursement Website] to enroll. Online at [Medical Carrier 2 Website][Wellness Carrier] Wellness Resources – MoreTools for Getting Healthy[Wellness Carrier] offers wellness resources to help you and your familymembers make informed choices to be your best self. The [Nurseline/Helpline] provides access to registered nurses who are trained to understand your health concerns and provide you with general health tips, as well as trusted guidance on possible urgent care situations. The [Maternity Program] offers expectant mothers and new mothers support and education during and after pregnancy. The [Weight Management] program can help you manage your weight and modify unhealthy habits. Personal coaching, online support tools, and resources are available to help you achieve your goals. The [Smoking Cessation] program offers support and resources to help you quit smoking for good.Explore [Wellness Carrier] wellness information, resources, and more at[Wellness Website].Telemedicine – 24/7 Care at Your ConvenienceSkip the waiting rooms and scheduling hassles. Telemedicine services through[Telemedicine Carrier] puts you in control of when and where you access care.For just a simple copay, you may speak with a licensed physician, psychologist,or psychiatrist 24/7/365 via phone or computer. These phone consultations andonline video visits give you direct access to a licensed medical professional whomay be able to: Define treatment of common medical conditions, such as colds, flu, bronchitis, allergies, rashes, depression, and more Provide specialist referrals Prescribe medicationTo schedule an appointment, call [Telemedicine Phone] or go online to[Telemedicine Website].7
Preventive Care Visits – See Your Employee Assistance ProgramDoctor At Least Once a Year (EAP) – Help is Just a Call AwayPreventive care visits are critical to your overall health. When you need help with work, home, personal or familyRoutine checkups and screenings can help you avoid issues, the Employee Assistance Program (EAP) offersserious health problems. Work as a team with your doctor value-added programs and services at no charge.to manage your overall health, and reach your health andwellness goals. [ABC] employees and their household family members can access this confidential service through [EAP Carrier] toPreventive care visits include screenings, exams, tests, help with many life challenges including elder care, illness,and immunizations to identify health problems early. This grief and loss, stress and depression, financial counseling,enables you to take action and keep treatable health family challenges, legal matters, and much more. Theseissues from becoming chronic conditions. The best part? services can help you overcome challenges while savingThese visits are covered in full by your health plan when you both time and money.you use an in-network provider. Set a calendar reminderand make it a priority to schedule your annual preventive The EAP gives you access to:care visit each year. Unlimited phone sessionsHealth Advocacy – A Helping Hand Up to x face-to-face sessions per incident per yearwith Your Health Care Child care and elder care assistance Financial services assistanceInsurance coverage can be complicated. [Health Advocacy Legal resourcesCarrier] is designed to provide support when you need it Identity theft recovery servicesmost. When you reach out to [Health Advocacy Carrier], Concierge servicesyou will be connected to a Personal Health Advocate Contact the EAP anytime, day or night, by calling [EAP(PHA) who will help you make informed health care Phone] or by visiting [EAP Website].decisions and save money. Contact the EAP for 24/7 SupportYour PHA can help you: [EAP Carrier] Locate providers Call [EAP Phone] Online at [EAP Website] Schedule appointments Username: x Uncover claims and billing errors Password: x Explain medical conditions and treatments Clarify Medicare, Medicaid, and Medicare Supplement plansIf you need help managing health care decisions, call[Health Advocacy Carrier] at [Health Advocacy Phone] orgo online to [Health Advocacy Website].Your Personal Health Advocate Call [Health Advocacy Phone] Online at [Health Advocacy Website] 8
Benefit Terms & DefinitionsTo better understand your coverage, it’s helpful to be familiar with benefits vocabulary. Take a moment to review theseterms, which may be referenced throughout this guide.Balance Bill – When a health Out-of-Network Care – Care Benefit Acronymscare provider bills a patient for the provided by a doctor or at a facilitydifference between what the patient’s outside of the plan’s network. Your AD&D = Accidental Death &health insurance chooses to reimburse out-of-pocket costs may increase Dismembermentand what the provider chooses to and services may be subject tocharge. balance billing. FSA = Flexible Spending AccountCopay – A fixed dollar amount you Out-of-Pocket Maximum – The HDHP = High Deductiblepay the provider at the time of service; maximum amount you pay per Health Planfor example, a $25 copay for an office year before the plan begins payingvisit or a $10 copay for a generic for covered expenses at 100%. HMO = Health Maintenanceprescription. This limit helps protect you from Organization unexpected catastrophic expenses.Coinsurance – The percentage paid HRA = Health Reimbursement Accountfor a covered service, shared by you Premium – The complete cost ofand the plan. Coinsurance can vary your plans. You share this cost HSA = Health Savings Accountby plan and provider network. Review with your employer and pay yourthe plans carefully to understand your portion through regular paycheck LTD = Long-Term Disabilityresponsibility. You are responsible for deductions.coinsurance until you reach your plan’s OOPM = Out-of-Pocket Maximumout-of-pocket maximum. Preventive Care – Routine health care including annual physicals PPO = Preferred Provider OrganizationDeductible – The amount you pay and screenings to preventeach calendar year before the plan disease, illness, and other health STD = Short-Term Disabilitybegins paying benefits. Not all covered complications. In-network preventiveservices are subject to the deductible; care is covered at 100%.for example, the deductible does notapply to preventive care services. Urgent Care – Urgent care is not the same as emergency care. VisitEmergency Room Care – Care urgent care for sudden illnesses orreceived at a hospital emergency room injuries that are not life-threatening.for life-threatening conditions. Urgent care centers are helpful when care is needed quickly toIn-Network Care – Care provided avoid developing more serious painby contracted doctors within the or problems.plan’s network of providers. Thisenables participants to receive careat a reduced rate compared to carereceived by out-of-network providers. 9
Prescription Medical Coverage – To KeepDrug Coverage You Healthy Prescription drug coverage is Is anything more important than your health? At [ABC], our goal is to inspire included in the medical plan you you to reach your highest potential and be the best version of you. This starts select. Regardless of which plan you with taking care of your overall health. choose, you’ll save the most money by using a participating pharmacy. Which Medical Plan Is Right for You? You can access a list of pharmacies through your plan’s website or by [ABC] is pleased to offer medical coverage through [Medical Carrier 1] calling member services. [Medical Carrier 2] [Medical Carrier 3]. When deciding which medical plan is the best fit for you and your family, it’s important to consider the total cost of High-Deductible Health Plans: If coverage. This includes what you pay in premiums out of your paycheck and you enroll in an HDHP, you will pay what you pay for services. the full cost for prescription drugs until you meet your deductible. Once While each medical plan covers preventive screenings in full, the medical you meet your plan’s deductible, you plans vary on annual deductibles, copays, and levels of coinsurance. This share the cost of prescription drugs means you may pay more out-of-pocket costs with one plan versus another. with the plan. The ideal medical plan should cover most of your health plan with out-of- pocket costs that meet your budget.How to Find a [MedicalCarrier 1] Provider Explanation of Medical Plan Options 1. Log on to [Medical Carrier 1 Health Maintenance Organization (HMO) Plan Website] With an HMO plan, you select a Primary Care Physician (PCP) who will 2. Select “Find a Doctor” coordinate your health care needs, including referrals to specialists. You typically pay a flat dollar amount (copay) for qualified health care services. 3. Enter your search criteria The HMO plan offers in-network coverage only. If you visit a provider outside of the plan’s network, you will be responsible for the full cost of services.How to Find a [MedicalCarrier 2] Provider Preferred Provider Option (PPO) Plan 1. Log on to [Medical Carrier 2 A PPO plan gives you the option to seek medical treatment from a contracted Website] medical provider, at negotiated rates, or from an out-of-network provider, at an additional cost. You may pay a copay for select services, with the exception 2. Select “Find a Doctor” of preventive care, which is covered in full. Other services may be subject to the annual deductible and coinsurance. Once you reach the out-of-pocket 3. Enter your search criteria maximum, the plan will pay 100% for all eligible expenses for the remainder of the plan year. While you can visit any doctor, you’ll save the most money by using in-network providers. High Deductible Health Plan (HDHP) with Health Savings Account (HSA) With the HDHP, you can receive medical services from in-network or out- of-network providers. You pay for all medical services until you reach the annual deductible, except for in-network preventive care which is covered in full. After your annual deductible is met, the plan pays for a percentage of covered services known as coinsurance. When you reach the out-of-pocket maximum, the plan will pay 100% for all eligible expenses for the remainder of the calendar year. When you enroll in the HDHP, you are eligible to open a Health Savings Account (HSA) to help pay for eligible health care expenses (deductibles, coinsurance, and prescriptions) with pre-tax dollars. See the How the Health Savings Account (HSA) Works section in this guide for more information. 10
Your Medical Plan Options [Medical Carrier 1] [Medical Carrier 2] PPO [Medical Carrier 3] HDHP HMOPlan Features In-Network Only In-Network Out-of-Network In-Network Out-of-NetworkCalendar Year None $x / $x $x / $x $x / $x $x / $xDeductible1Individual/FamilyCalendar Year None $x / $x $x / $x $x / $x $x / $xOut-of-PocketMaximum2, 3Individual/Family[ABC] Annual HSA N/A N/A $x / $x[HRA] ContributionIndividual/Family You pay: You pay: You pay:Preventive Covered Covered in full x% after deductible Covered in full x% after deductibleCare Visit in fullPrimary Care Visit $x copay $x copay x% after deductible x% after deductible x% after deductibleTelemedicine Visit $x copay $x copay Not covered $x copay Not coveredSpecialist Visit $x copay $x copay x% after deductible x% after deductible x% after deductibleLab & X-ray $x copay $x copay x% after deductible x% after deductible x% after deductibleUrgent Care $x copay $x copay x% after deductible x% after deductible x% after deductibleEmergency Room $x copay $x copay, x% after deductible(copay waived if then x% after deductibleadmitted)Outpatient Services $x copay $x copay x% after deductible x% after deductible x% after deductibleInpatient Services $x copay $x copay x% after deductible x% after deductible x% after deductibleChiropractic $x copay $x copay x% after deductible x% after deductible x% after deductible(x visits per year)Acupuncture $x copay $x copay x% after deductible x% after deductible x% after deductible(x visits per year)Prescription Drugs: Retail (up to a 30-day supply)Tier 1 $x copay $x copay x% after deductible x% after deductible x% after deductibleTier 2 $x copay $x copayTier 3 $x copay $x copayTier 4 $x copay $x copayPrescription Drugs: Mail Order (up to a 90-day supply)Tier 1 $x copay $x copayTier 2 $x copay $x copay x% after deductible x% after deductible x% after deductibleTier 3 $x copay $x copayTier 4 $x copay $x copay1PPO has an embedded deductible which means a member can satisfy his/her individual deductible for the coverage and coinsurance to apply.HDHP has a non-embedded deductible which means the family deductible must be met before anyone in the family receives benefits underthe coinsurance.2PPO has an embedded out-of-pocket maximum which means a member can meet his/her individual out-of-pocket maximum for coverage to beginat 100%.3HDHP has a non-embedded out-of-pocket maximum which means the family out-of-pocket maximum must be met for coverage to begin at 100%.This chart provides a brief overview of benefits and coverage. Refer to the detailed summary plan documents for questions about a specific procedure,service, or provider. In the event of a conflict, the official plan documents prevail. 11
Your Medical Plan Options 2 [Medical Carrier 1] [Medical Carrier 2] PPO [Medical Carrier 3] HDHP HMOPlan Features In-Network Only In-Network Out-of-Network In-Network Out-of-NetworkCalendar Year None $x / $x $x / $x $x / $x $x / $xDeductible1Individual/FamilyCalendar Year None $x / $x $x / $x $x / $x $x / $xOut-of-PocketMaximum2, 3Individual/Family[ABC] Annual HSA N/A N/A $x / $x[HRA] ContributionIndividual/Family You pay: You pay: You pay:Preventive Covered Covered in full x% after deductible Covered in full x% after deductibleCare Visit in fullPrimary Care Visit $x copay $x copay x% after deductible x% after deductible x% after deductibleTelemedicine Visit $x copay $x copay Not covered $x copay Not coveredSpecialist Visit $x copay $x copay x% after deductible x% after deductible x% after deductibleLab & X-ray $x copay $x copay x% after deductible x% after deductible x% after deductibleUrgent Care $x copay $x copay x% after deductible x% after deductible x% after deductibleEmergency Room $x copay $x copay, x% after deductible(copay waived if then x% after deductibleadmitted)Outpatient Services $x copay $x copay x% after deductible x% after deductible x% after deductibleInpatient Services $x copay $x copay x% after deductible x% after deductible x% after deductibleChiropractic $x copay $x copay x% after deductible x% after deductible x% after deductible(x visits per year)Acupuncture $x copay $x copay x% after deductible x% after deductible x% after deductible(x visits per year)Prescription Drugs: Retail (up to a 30-day supply)Tier 1 $x copay $x copay x% after deductible x% after deductible x% after deductibleTier 2 $x copay $x copayTier 3 $x copay $x copayTier 4 $x copay $x copayPrescription Drugs: Mail Order (up to a 90-day supply)Tier 1 $x copay $x copayTier 2 $x copay $x copay x% after deductible x% after deductible x% after deductibleTier 3 $x copay $x copayTier 4 $x copay $x copay1PPO has an embedded deductible which means a member can satisfy his/her individual deductible for the coverage and coinsurance to apply.HDHP has a non-embedded deductible which means the family deductible must be met before anyone in the family receives benefits underthe coinsurance.2PPO has an embedded out-of-pocket maximum which means a member can meet his/her individual out-of-pocket maximum for coverage to beginat 100%.3HDHP has a non-embedded out-of-pocket maximum which means the family out-of-pocket maximum must be met for coverage to begin at 100%.This chart provides a brief overview of benefits and coverage. Refer to the detailed summary plan documents for questions about a specific procedure,service, or provider. In the event of a conflict, the official plan documents prevail. 12
How the Health Savings Account (HSA) WorksIf you enroll in a High-Deductible Health Plan (HDHP), you may be eligible to open a Health Savings Account (HSA)through [HSA Carrier] to help pay for eligible health care expenses not covered under your medical, dental, or vision plan.An HSA makes it easy to pay for current health care costs and save for future health care needs now or into retirement.HDHP with Health Savings Account FAQ Access Your HSA on the GoWhat are the benefits of an HSA? [HSA Carrier]An HSA offers the opportunity for you to set aside tax-free* money to pay for out-of-pockethealth care expenses. Since the HSA is your bank account, the unused funds roll over Call [HSA Phone]year to year. If you leave the company, the account goes with you. HSAs are also a greatretirement savings account. You can contribute up to the annual IRS maximums Online at [HSA Website](including the age 55+ catch-up contributions) with pre-tax dollars to pay for health careafter you retire.How much can I contribute?Contributions cannot exceed the annual IRS maximums listed below:Coverage Type 20xx Maximum 20xx [ABC] HSA 20xx Maximum Employee Contribution Limit Contribution ContributionIndividual Coverage $x $xFamily Coverage $x $xAge 55+ Catch-up $xContribution $x Additional $1,000How do I get the employer contribution?You must first open an HSA to be eligible for employer contributions. [ABC] will automatically contribute to your HSA each[quarter], [month], [pay period]. Company contributions will be added and accrue over the course of the year. In 2018,[ABC] will deposit up to $x annually for individual coverage and up to $x annually for family coverage. [ABC] contributionsto the HSA are pro-rated based on your effective date on the HSA.How do I get reimbursed?When you enroll in an HSA, you will receive a [HSA Carrier] debit card to pay for eligible expenses. You can also submitclaims online through your own personal account at [HSA Website].Are HSAs really tax-free?Yes! HSAs give you a triple tax advantage: your contributions to the HSA are not taxed, payment of qualified expenses istax-free, and earnings are tax-free.*Keep in mind, there are a few important rules you need to follow. If you use your HSA funds for expenses the IRSconsiders eligible, the money remains tax-free.* If you use funds for ineligible expenses, you will pay applicable taxes andan excise tax penalty (currently 20%).What about the fine print? You must be enrolled in a qualified High Deductible Health Plan (HDHP). You cannot be covered under another non-qualified health plan, including your spouse’s Health Care Flexible Spending Account. You cannot be enrolled in Medicare or Tricare. You cannot be claimed as a dependent on someone else’s tax return.Questions? Refer to IRS Publication 969 for complete rules.*State taxes may still apply in CA, NJ, and AL. For detailed tax implications of an HSA, please contact your professional tax advisor. 13
Questions? How the Health Reimbursement Account (HRA) WorksRefer to IRS Publication 969for complete rules. When you enroll in the High-Deductible Health Plan (HDHP), [ABC] contributes to a Health Reimbursement Account (HRA) that you can use to pay for eligible health care expenses. Unlike other health care accounts, only your employer can put money in an HRA. Each time you visit the doctor or receive health care services, you can use tax-free funds in your HRA to pay for eligible medical expenses, such as prescription drugs and copays. HDHP with Health Reimbursement Account FAQ What are the benefits of an HRA? To help you pay for your annual deductible, [ABC] contributes up to $x (individual) and $x (family) toward the HRA. Contributions are effective [Effective Date], however the total contribution amount may be prorated. If you don’t use all the money in your HRA, it will roll over to the next year. Any remaining funds can help reduce your out-of-pocket expenses in the next plan year. How are contributions made to the HRA? Only your employer can put money into your HRA. [ABC] will automatically contribute to your HRA [each pay period] [monthly] [each quarter] [annually]. Company contributions will be added and accrue over the course of the year. In 2018, [ABC] will deposit up to $x annually for individual coverage and up to $x annually for family coverage. How do I get reimbursed? When you enroll in an HRA, you will receive a [HRA Carrier] debit card to pay for eligible expenses. You can also submit claims online through your own personal account at [HRA Website]. What about the fine print? Once you use all the funds in your HRA, you are responsible for meeting the deductible before the plan begins to pay benefits. Up to $x of unused funds can carry over at the end of each plan year. You cannot take the money with you if you leave your job. Unused funds are only carried over into the following plan year if you continue your enrollment in the HDHP. You have an option to contribute to a Health Care FSA to set aside your own pre-tax money in addition to the HRA funds you receive. [Please note: You are required to use your Health Care FSA funds before your HRA funds become available.] 14
Dental Coverage – Worth Smiling AboutGood dental care improves your overall health. Our dental plans help you maintain a healthy smile through regularpreventive dental care and offers coverage to fix problems as soon as they occur. When choosing a plan, consider youranticipated dental needs, as well as the network, deductibles, copays, and services each plan covers. Review your dentalplan options to determine which plan is best for you and your family. To find an in-network provider, visit [Dental Carrier 1Website] or [Dental Carrier 2 Website] or [Dental Carrier 3 Website].HMO Dental PlanWith the HMO dental plan, you select a primary dentist who will coordinate your dental care needs, including referrals tospecialists. You typically pay a copay for qualified dental services. The HMO plan offers in-network coverage only. If youvisit a provider outside of the plan’s network, you will be responsible for the full cost of services.PPO Dental PlanWith the PPO dental plan, you may visit any dentist of your choice. Keep in mind, you’ll receive the highest coveragewhen you use an in-network provider. If you visit an out-of-network provider, you will not benefit from discounted rates andwill pay more out-of-pocket for services. Many dentists outside the provider network will require you to pay for servicesupfront and submit forms for reimbursement from your plan.Indemnity Dental PlanWith the indemnity dental plan, you may visit any dentist of your choice. After you meet the annual deductible, both youand the plan pay a percentage toward your dental services.Plan Features [Dental Carrier 1] [Dental Carrier 2] [Dental Carrier 3] DHMO Plan PPO Plan Indemnity PlanCalendar Year Deductible Out-of-Network*(waived for Preventive Services) In-Network Only In-Network Out-of-Network* You pay:Calendar Year Benefit Maximum You pay:Diagnostic and Preventive Services None You pay: $x(e.g., x-rays, cleanings, exams) NoneBasic and Restorative Services $x copay $x Individual / $x Family $x(e.g., fillings, extractions, root canals)Major Services $x copay $x x%(e.g., dentures, crowns, bridges)Orthodontia $x copay x% x%Children to age [19] [26] and adultsChildren to age [19] [26] $x copay x% x% x%Adults $x copay $x copay x% x% x%Orthodontia Lifetime Maximum $x x% x% x% $x $x*For Out-of-Network services, members pay applicable coinsurance plus any amount that exceeds the usual, customary, and reasonable charge. 15
Vision Coverage – Protect Your EyesightKeep your vision clear and your eyes in good health with regular eye exams. [Vision Carrier] vision coverage offers anextensive network of optometrists and vision care specialists. You’ll save money by visiting [Vision Carrier] in-networkproviders. Find an in-network provider online at [Vision Website].Plan Features [Vision Carrier] [Vision Plan Name] In-Network You pay: Out-of-Network Plan reimburses you:Exam $x copayevery x months Up to $xFrames $x copay Up to $xevery x months $x allowance Up to $xLenses every x months Up to $x Up to $xSingle Vision $x copay Up to $xBifocal $x copay Up to $xTrifocal $x copay Up to $xLenticular $x copayContact Lenses (in lieu of lenses and frames) every x monthsElective $x copay $x allowanceMedically Necessary $x copay $x allowance 16
Your Cost for Coverage[While [ABC] pays the majority of the medical, dental, and vision premiums for you and your dependents, you alsocontribute to your health care premiums. You can select different coverage levels for medical, dental, and vision insurancebased on your individual needs.][While [ABC] pays the majority of the medical and dental premiums, you also contributeto your health care premiums. Please note, your medical enrollment includes vision coverage.]Your [per pay period] [bi-weekly (26)] [semi-monthly (24)] [monthly] payroll deductions for medical, dental, and visioncoverage are shown in the table below:Benefit Plan Employee Only Employee + Employee + Employee + Spouse Child(ren) FamilyMedical $x[Medical Carrier 1] HMO $x [/Domestic $x $x[Medical Carrier 2] PPO $x Partner] $x $x[Medical Carrier 3] HDHP $x $xDental $x $x[Dental Carrier 1] DHMO $x $x $x $x[Dental Carrier 2] PPO $x $x $xVision $x[Vision Carrier] PPO $x $x $x $x $x 17
Flexible Spending Accounts What’s in the fine print?(FSAs) – Save Money byPlanning Ahead FSAs offer sizable tax advantages, but are subject to IRS regulations:Flexible Spending Accounts (FSAs), administered by [FSACarrier], allow you to set aside pre-tax dollars to pay for All expenses for the Health Care and Dependent Careeligible health and dependent care expenses. As an eligible Flexible Spending Accounts must be incurred during theemployee, you may choose to enroll in one or both Flexible plan year: [FSA Start Month] 1 through [FSA End Month]Spending Accounts. Each year, you must elect the annual 31.amount you want to contribute to each account. Yourcontributions will be deducted pre-tax from your paycheck The IRS has a strict “Use-It or Lose-It” rule for FSAs.which can help reduce your taxable income. [At the end of the calendar year, participants cannot rollHealth Care FSA – IRS Annual over any unused health care funds. All unused funds willMaximum $x be forfeited.] [At the end of the calendar year, participants can rollYour Health Care FSA will reimburse you for eligible over up to $ of unused health care funds. Any remainingexpenses that you, your spouse[/domestic partner], and funds above this amount will be forfeited.]your children incur during the plan year. The entire annual [The Health Care FSA includes a 2.5 month graceamount you elect can be used at any time during the plan period which means you have until [FSA Grace Periodyear even though your contributions are deducted each End Month] 15 of the following year to incur expensespaycheck. When you incur an eligible expense, you can and use the remaining funds in your FSA. Any funds inuse your [FSA Carrier] debit card or pay out-of-pocket and the account after this date will be forfeited.]submit a reimbursement request with documentation. Once you enroll in the FSA, you can only change your contribution amount if you experience a qualified statusEligible expenses include copays, coinsurance, change.deductibles, orthodontia, glasses/contact lenses, and Each account functions separately. You cannot transfermuch more. For a complete list, refer to IRS Publication funds from one FSA to another.502: Medical and Dental Expenses, available atwww.irs.gov/publications. Commuter Benefit Plan – Keeping You Moving[Note: if you are enrolled in the HDHP with HSA, you arenot eligible to participate in the Health Care FSA.] The [Commuter Carrier] commuter benefits program allows employees who commute to and from work to set asideLimited Purpose FSA – IRS Annual pre-tax funds to pay for their work-related mass transitMaximum $x and parking expenses. Eligible expenses for the transit benefit include transit passes, fare cards, ticket books, andHDHP with HSA participants are eligible to participate vanpool expenses.in the Limited Purpose Health Care FSA to set asidepre-tax dollars for eligible dental and vision expenses only. You may deduct pre-tax money from your paycheck to pay[Once you have met your annual deductible, your Limited for commute-related expenses which reduces your taxablePurpose FSA funds can be used for eligible medical income. The maximum contribution is:expenses in addition to dental and vision expenses.] Transit: $x monthlyDependent Care FSA – IRS Annual Parking: $x monthlyMaximum $5,000Your Dependent Care (or daycare) FSA lets you use“before-tax” dollars to pay daycare expenses for childrenage 12 and under, or for elder dependents unable tocare for themselves. The care must be necessary foryou and your spouse to remain employed. Care may beprovided through live-in care, babysitters, or licenseddaycare centers. Unlike the Health Care FSA, you canbe reimbursed only up to the amount available in youraccount after your payroll contributions. 18
Life and AD&D – Coverage for Peace of MindLife and Accidental Death and Dismemberment (AD&D) insurance, through [Life Carrier], provides financial security to youand your family if you pass away or become seriously injured.Basic Life and AD&D InsuranceAs an eligible employee, you receive [both] Basic Life [and Basic AD&D] insurance equal to x times your annual earningsto a maximum of $x. [Coverage exceeding $50,000 is considered imputed income. This means any amount over $50,000must be included as income and will be subject to Social Security and Medicare taxes, which may be reflected in yourpaycheck.] The cost of Basic Life and AD&D coverage is sponsored by [ABC].Voluntary Life and AD&D InsuranceIn addition to Basic Life and AD&D, you may buy voluntary Life and AD&D coverage at discounted rates that you maynot be able to secure on your own. The chart below describes the amounts of coverage you can buy for yourself, yourspouse, and your child(ren). Voluntary Life and AD&D Options*Benefit Features Employee Spouse Dependent Child(ren) (under age x)Coverage OptionsMaximum Increments of $x Increments of $x $xGuaranteed Issue AmountGuaranteed Issue Period $x $x (cannot exceed employee $x coverage) $x $x Within 30 days of benefits eligibility or a qualifying life event*Evidence of Insurability (EOI) may be required. What Is EOI?Evidence of Insurability (EOI) is the process of providing health information to qualify for certain types of insurance coverage. If youelect voluntary Life and AD&D coverage above the guaranteed issue limit or outside of the guaranteed issue period, you will berequired to submit a health questionnaire (in some cases, a physical exam may be required). Your questionnaire will be reviewedby [Life Carrier] and you will be notified of their decision directly.How much voluntary Life and AD&D insurance should I buy?When deciding how much voluntary Life and AD&D coverage to buy, consider the following three factors: 1. How much will your dependents need to pay debts, such as a mortgage, car loan, or credit card balances? 2. How much do your dependents need to maintain their current standard of living? 3. What kind of future would you like to provide for your dependents or others who depend on you for financial support?Who should be my beneficiary?You may choose anyone to be the beneficiary of your Life and AD&D policy in the event of your death or serious injury.Once you select your beneficiary, your designation will remain unchanged until you submit a new beneficiary designationform. We encourage you to periodically review your beneficiary designations to ensure they are up to date and accurate.You may change your beneficiary as often as you wish [at [Life Website]] [by contacting Human Resources]. 19
Voluntary Life and AD&D Insurance Premiums Employee Voluntary Life Premiums Child(ren) Spouse/Domestic PartnerUnder age 30 $1,000 of coverage Under age 30 $x/ [categories] $x/ $1,000 of coverage $1,000 of coverage30-34 $x 30-34 $x $x35-39 $x 35-39 $x $x40-44 $x 40-44 $x $x45-49 $x 45-49 $x $x50-54 $x 50-54 $x $x55-59 $x 55-59 $x $x60-64 $x 60-64 $x $x65-69 $x 65-69 $x $x70-74 $x 70-74 $x $x75 and older $x 75 and older $x $x Employee Voluntary AD&D Premiums Child(ren)$x/$1,000 of coverage Spouse/Domestic Partner $x/$1,000 of coverage $x/$1,000 of coverage 20
Disability Coverage – Prepare for the UnexpectedHave you considered how you’d pay your mortgage or buy groceries if you are injured or ill and unable to work? If youexperience an injury or illness that prevents you from working, disability coverage provides partial income replacement toassist you financially.Short-Term Disability (STD)Short-Term Disability coverage, through [STD Carrier], provides you with a portion of income replacement if you areunable to work due to a non-occupational illness or injury. You are automatically enrolled in STD at no cost to you.[Paragraph option: The STD plan provides x% of your weekly salary, to a maximum of $x per week for the first x days of adisability (after a x-day waiting period).[Table option: Your STD coverage is listed in the table below:] Short-Term Disability (STD)Percent of Earnings Weekly Maximum Elimination Period Maximum Duration x% x weeks $x x daysSTD benefits may be offset by benefits you receive from the state-mandated disability plans in California, New Jersey,New York, Rhode Island or the Commonwealth of Puerto Rico.Long-Term Disability (LTD)Long-Term Disability coverage, through [LTD Carrier], pays you a portion of your earnings if you cannot work for anextended time due to a disabling illness or injury. You are automatically enrolled in LTD at no cost to you.[Paragraph option: LTD coverage replaces x% of your base salary to a monthly maximum of $x if you are disabled formore than x days and are unable to work. You will continue to receive benefits if you meet the definition of disability orreach your Social Security Normal Retirement Age.][Table option: Your LTD coverage is listed in the table below:] Long-Term Disability (LTD)Percent of Earnings Monthly Maximum Elimination Period Maximum Duration x% $x x days Up to Social Security Normal Retirement AgeBenefits are reduced by other sources of disability income you may qualify for such as Social Security andWorkers’ Compensation.Business Travel Accident (BTA) Insurance – We’ve GotYou CoveredIf you travel for business, you can have peace of mind knowing [ABC] offers Business Travel Accident insurance,through [BTA Carrier], to eligible employees. In the event of your death or dismemberment while on a business trip, yourbeneficiaries will receive $x.BTA coverage starts when you leave your home or work site, and ends when you return home or to your work site,whichever comes first. Please note, your regular commute to and from work is not covered by this plan.For more information, call [BTA Phone] visit [BTA Website]. 21
401(k) Retirement Plan – Save Nowfor a Secure FutureRetirement readiness is an important part of overall financial wellness. The[ABC] Company 401(k) Plan administered by [401(k) Carrier] offers a varietyof investment options. [ABC] generously matches up to [$x] of employee401(k) contributions to help grow your retirement savings.EligibilityYou are eligible to participate in the 401(k) plan [on your first day ofemployment] [after x days of employment] at [ABC]. When eligible, you mayenroll in the 401(k) plan, designate beneficiaries, and allocate your assetdistribution at any time. You do not need to wait for annual enrollment tomake changes.Personal contributions are pre-tax (or post-tax if enrolling in a Roth 401(k))and are added to your account conveniently through payroll deductions.Company 401(k) ContributionsThe key to a successful retirement is to start saving now! [ABC] will matchemployee contributions dollar-for-dollar up to x%. [Your personal funds andcontributions made by the company are immediately vested. This means thefunds in your account are 100% yours.] [Company contributions are vestedaccording to the following vesting schedule:]Years of Service Vested Percentage 401(k) Fast Facts1-x years x%x-x years x% §§ You are eligible to participate inx-x years x% the 401(k) plan on [date].x-x years x% §§ In 20xx, you may contribute upAdvantages of a Roth 401(k) to x% of your compensation up to the IRS maximum of $x.Traditional 401(k) contributions are pre-tax, so you don’t pay taxes until youwithdraw the money in retirement. Roth 401(k) distributions are post-tax, so §§ If you are age 50 or over,you pay taxes during the year when you make contributions, but you don’t pay you can make “catch-up”taxes when you withdraw the funds in retirement. Funds grow tax-free in a contributions up to $6,000.Roth account. §§ [ABC] will match x% of eachWhile you may elect to make contributions to both a traditional 401(k) and a dollar you contribute up to theRoth 401(k), you may only contribute a combined total of $x per year. If you’re first x% of your annual salary.age 50 or older, you can make “catch up” contributions up to $x per year. Youdon’t need to make a separate election to contribute additional “catch up” Keep Track offunds. Your contributions will simply continue until you meet the annual “catch Your 401(k)up” limit. [401(k) Carrier] Call [401(k) Phone] Online at [401(k) Website] 22
Helpful Tips on Saving for Retirement§§ Start saving as soon as possible to grow your retirement account.§§ Begin with small contributions, if necessary, and increase contributions over time.§§ Make setting aside money for retirement a habit.§§ Understand investment returns may fluctuate.§§ Let it sit. Avoid penalties by leaving funds in your 401(k) until retirement.§§ If you change jobs, you can roll over your retirement account.Employee Stock Purchase Plan (ESPP) – A Wealthof OpportunityThe [ABC] Employee Share Purchase Plan (ESPP) gives eligible employees the opportunity to buy [ABC] common shareson a [monthly] [quarterly] [annual] basis. You may elect to contribute x%-x% of your annual base salary at a discountedrate through convenient payroll deductions. As your contributions accumulate, company stock will be purchased usingthese funds.Offering Period Purchase Period 1 Purchase Period 2 Begins: [Date] Begins: [Date] Begins: [Date] Ends: [Date] Ends: [Date] Ends: [Date]Before you invest in the ESPP, do your homework. Research the company stock, consider the tax advantages, anddetermine the amount you are comfortable investing. 23
Long-Term Care Insurance – An Important Part ofRetirement Planning[ABC] offers Long-Term Care (LTC) insurance through [LTC Carrier] to help pay for long-term care services due to achronic illness, disability, or symptoms of old age. You can buy long-term care coverage for yourself, your spouse ordomestic partner, your parents and grandparents, and your spouse or domestic partner’s parents and grandparents.What LTC Insurance CoversLong-Term Care insurance pays a benefit when you and/or a family member need assistance with two or more of thesix activities of daily living, including bathing, eating, walking, toileting, transferring, and dressing, or if you have acognitive impairment.Paying for services can be expensive. Long-term care policies may help pay for care in: Your home (home health care, personal care, and homemakers’ services) Skilled nursing facilities Assisted living facilities Hospice facilities Respite facilities Adult day care, adult day health care, or Alzheimer’s day health care facilitiesLTC Coverage OptionsPremiums are based on the applicant’s age, the benefit level elected ($x,000-$x,000 per month, in $x,000 increments)and the duration of benefits (x years, x years, or unlimited duration). The cost of coverage rises with the age of thecovered individual. A medical questionnaire must be completed for employees electing amounts above the $x guaranteedissue level or when choosing an unlimited benefit duration.Evidence of insurability, which may involve a doctor’s examination or blood test, may be required before being approvedfor coverage.For more information or to enroll in the plan, call [LTC Phone] or go online to [LTC Website]. 24
Identity Theft Coverage – Prevention and ProtectionReceive the tools, resources, and guidance you need to help you identify, mitigate, or respond to identity theft. TheIdentity Theft program through [ID Theft Carrier] provides you with access to personal case managers who offerstep-by-step assistance and guidance if you experience identity theft. You have access to credit monitoring, credit cardfraud assistance, and can get help with emergency travel arrangements.For more information or to enroll in the plan, call [ID Theft Phone] or go online to [ID Theft Website].Legal Services – Professional Legal Support When YouNeed ItWith [Legal Carrier], you can talk to an attorney about any concern without worrying about accruing high hourly costs.Whatever the situation, [Legal Carrier] attorneys are available to help.When you elect the Legal Plan, you have access to attorneys who can offer help or advice on a variety of personal legalissues. Your plan covers you, your spouse (or domestic partner), and your dependents.[Legal Carrier] Legal Plan gives you access to: Free 30-minute consultation Discounted attorney fees Online access to lawyers Assistance with document creation Legal document review Online tools to create customized wills, living wills, and powers of attorneyFind more information by calling [Legal Phone] or by visiting [Legal Website]. 25
Tuition Assistance – Keep YourMind SharpWe support further education to better yourself as a person and improve yourskills as an employee at [ABC]. Our strong commitment to education meanswe’ll even help you pay for it.Employees who have worked for x [years] [months] of continuous service, andwho are regularly scheduled to work x hours or more per week, are eligibleto receive tuition reimbursement for an approved course of study. Tuitionreimbursement is available up to $x per calendar year, up to a lifetime benefitof $x. Classes must be taken at an accredited college or university. Tuition,books, and registration fees may all be eligible for reimbursement.To receive reimbursement: The request must be approved prior to registration. You must be employed by [ABC] for the duration of the course and at the time when transcripts and receipts are submitted for reimbursement. [You must receive a grade of “B” or better (or “pass” if the class is offered only on a pass/fail basis).]529 College Savings Plan – Plan forthe FutureThe 529 College Savings Plan, administered by [529 Carrier], helps yousave for college expenses through convenient payroll deductions. Yourcontributions are post-tax, however, the interest earned on your contributionsgrow tax-deferred. Any withdrawals for education expenses are tax-free.Friends and family can also contribute to your 529 Plan. You may contributea minimum of $x per paycheck. This amount may be increased at any time.Contact [529 Carrier] at [529 Phone] or [529 Website] for more information onthis savings opportunity.Voluntary Pet Insurance – Take Careof Their Health TooYour pets can now receive coverage to stay healthy, too. Voluntary petinsurance helps you be financially prepared, as veterinary bills can add upquickly. With pet insurance from [Pet Carrier], you can save up to x% onunexpected veterinary expenses plus optional coverage to help pay for routineveterinary care, such as vaccines, wellness exams, and teeth cleaning.Visit [Pet Website], to get an instant quote and enroll at any time. Call [PetCarrier] at [Pet Phone] to speak with a pet insurance expert if you have anyquestions. [Don’t forget to mention your discount code: xxxxx.] 26
Voluntary Worksite Benefits – What Is aComplete Your Coverage Pre-Existing Condition?Accident Insurance If there is a health issue you haveAccidents can happen any time. As an eligible employee, you can buy been treated for prior to the start date[Accident Carrier] Accident insurance to help pay for expenses related to of your new policy, that condition mayunexpected accidents and injuries. Accident insurance pays in addition to limit the coverage under the new plan.your medical plan and benefits are payable regardless of any otherinsurance plans.The benefit amount is determined by the injury and medical care receivedand paid in a lump sum amount. No health questions are required, but a pre-existing condition clause may apply. Employees are responsible for the cost ofthis benefit and you may sign up for coverage for yourself, your spouse, andyour children.Critical Illness InsuranceAre you protected if you experience a critical illness? As an eligible employee,you can buy [Critical Illness Carrier] Critical Illness insurance to help pay forexpenses related to the diagnosis of a critical illness such as a heart attack,coma, kidney failure, or cancer. Critical Illness insurance pays in additionto your medical plan and benefits are payable regardless of any otherinsurance plans.The benefit amount is determined by the type of illness and is paid in a lumpsum amount. No health questions are required, but a pre-existing conditionclause may apply. Employees are responsible for the cost of this benefit.Coverage is available for employees, spouses, and their children.Hospital Indemnity InsuranceAn unexpected hospital stay or confinement can be expensive, even withmedical insurance. As an eligible employee, you can buy [Hospital IndemnityCarrier] Hospital Indemnity insurance to help pay for expenses and billsrelated to being admitted or confined in a hospital. Benefits are paid directly toyou and the funds can be used as you see fit.No health questions are required, but a pre-existing condition clause mayapply. Employees are responsible for the cost of this benefit and it is availablefor employees, spouses, and children.27
Your Benefits Contacts – Reach Out to the ExpertsCoverage Contact Policy Number Phone Website [Medical Carrier 1] # [Medical 1 Phone] [Medical 1 Website]Medical [Medical Carrier 2] # [Medical 2 Phone] [Medical 2 Website] [Medical Carrier 3] # [Medical 3 Phone] [Medical 3 Website]Telemedicine [Telemedicine Carrier] N/A [Telemedicine Phone] [Telemedicine Website]Health Savings Account (HSA) [HSA Carrier] N/A [HSA Phone] [HSA Website]Health Reimbursement Account [HRA Carrier] N/A [HRA Phone] [HRA Website](HRA) [Dental Carrier 1] # [Dental 1 Phone] [Dental 1 Website]Dental [Dental Carrier 2] # [Dental 2 Phone] [Dental 2 Website] [Dental Carrier 3] # [Dental 3 Phone] [Dental 3 Website]Vision [Vision Carrier] # [Vision Phone] [Vision Website]Employee Assistance Program [EAP Carrier] N/A [EAP Phone] [EAP Website](EAP)Flexible Spending Account [FSA Carrier] N/A [FSA Phone] [FSA Website](FSA)Commuter Benefit [Commuter Carrier] N/A [Commuter Phone] [Commuter Website]Life and AD&D [Life Carrier] # [Life Phone] [Life Website]Disability [STD Carrier] # [STD Phone] [STD Website] [LTD Carrier] [LTD Phone] [LTD Website]Business Travel Accident [BTA Carrier] # [BTA Phone] [BTA Website]401(k) [401(k) Carrier] # [401(k) Phone] [401(k) Website]Long-Term Care [LTC Carrier] # [LTC Phone] [LTC Website]Identity Theft [ID Theft Carrier] # [ID Theft Phone] [ID Theft Website]Legal Services [Legal Carrier] # [Legal Phone] [Legal Website]529 College Savings Plan [529 Carrier] N/A [529 Phone] [529 Website]Voluntary Pet Insurance [Pet Carrier] N/A [Pet Phone] [Pet Website] [Accident Carrier] # [Accident Phone] [Accident Website]Voluntary Worksite Coverage [Critical Illness # [Critical Illness [Critical Illness Carrier] Phone] Website] [Hospital Indemnity # [Hospital Indemnity [Hospital Indemnity Carrier] Phone] Website] 28
Benefits Information PortalNeed more information about your benefits? You can safely access benefitsinformation for you and your family 24 hours a day, 7 days a week. Downloadthe BenefitStream App from the iTunes App Store or Google Play Store.Learn about your [ABC] benefit options: Download forms Review plan summaries Explore additional value-added programs available to you through our insurance vendorsLog in to the site to get started: Go to www.benefitstream.net Enter username: [username] Enter password: [password]This communication highlights some of your [ABC] benefit plans. Your actual rights andbenefits are governed by the official plan documents. If any discrepancy exists between thiscommunication and the official plan documents, the plan documents will prevail. [ABC] reservesthe right to change any benefit plan without notice. Benefits are not a guarantee of employment. 29
Search
Read the Text Version
- 1 - 30
Pages:
