Veolia North America 2017 Benefits Annual Enrollment. October 2016

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1 Veolia North America 2017 Benefits Annual Enrollment October 2016

2 Today s Agenda 2017 annual enrollment dates Explain changes to benefits for 2017 Key communication events and dates Benefits beyond annual enrollment Q&A Note: Employees represented by a bargaining unit may not be eligible for all benefits described in this presentation and should refer to applicable union contracts. 2

3 2017 Annual Enrollment Dates What are the dates of annual enrollment? November 1 November 18 How can I make a change to my benefits or enroll in benefits during annual enrollment? Call the Veolia Benefits Center at , Monday through Friday, 7 a.m. 7 p.m. CT beginning on November 1 Online through the link in the Hot Topics section on YourVeoliaBenefits.com 3

4 2017 Annual Enrollment Process and Requirements Do I need to make new benefit elections for 2017? 2017 will be a Passive Annual Enrollment What is a Passive Enrollment? Your current 2016 elections, except for Flexible Spending Accounts (FSA), will automatically roll over as your 2017 elections, except. If you want to contribute to the Health Care FSA, Limited Purpose FSA or Dependent Care FSA in 2017 you must make this election during annual enrollment If I make a change to my current elections or elect new coverage during annual enrollment, when is the change effective? o Changes made during annual enrollment will be effective on January 1,

5 2017 Benefit Changes

6 2017 Changes Medical Dental PPO Gold and PPO Silver plans will be replaced with a new PPO Plan Virtual visits added to plans administered by BCBS and UnitedHealthcare Employee contributions changing in all medical plan options and coverage tiers New medical ID cards Small increase to employee contributions Life/AD&D Insurance, Short-Term Disability/FMLA/Leave of Absence and Long-Term Disability Reliance Standard/Matrix will be replaced by Liberty Mutual Health Savings Account (HSA) Increase to annual maximum contribution 6

7 2017 Medical Plan Change New PPO Plan Deductible PPO Plan In-network $750 individual / $1,500 family Out-of-network $1,500 individual /$3,000 family Out-of-pocket maximum In-network $3,000 individual /$6,000 family Out-of-network $6,000 individual /$12,000 family Coinsurance (you pay) In-network 20% Out-of-network 50% Emergency room 20% after deductible If you are currently enrolled in PPO Gold or PPO Silver, you, and your currently covered dependents, will automatically be moved to the new PPO Plan for You may elect a different medical plan during annual enrollment. 7

8 Virtual Visits Virtual Visits* Doctor visits through your mobile device or computer 24/7 Available if enrolled in a Veolia medical plan Offered through both BCBS IL and UHC Designed to access care when Your doctor is not available You become ill when traveling You are considering going to the ER or urgent care for a non-emergency health condition Typical conditions treated through a virtual visit Allergies Pink eye Nausea Sinus infection Cold Flu Fever Charged as an office visit Considered in-network provider Subject to deductible and coinsurance * Services available may vary based on state regulatory requirements 8

9 New Medical ID cards You will receive a new medical ID card o if you are enrolled in medical coverage administered by BCBS or UnitedHealthcare in 2017 o regardless of whether or not you elect a new medical plan option for 2017 o should arrive at home address prior to January 1, 2017 o o Make sure your home address shown in ADP Vantage is correct If not, log into Vantage to change it or call the HR/Payroll Shared Services Center to update it o Be sure to show your new medical ID card to all providers you see on or after January 1, 2017 Express Scripts ID cards are not changing, therefore should keep your current card to use in

10 Life/AD&D, Disability, Leave of Absence Liberty Mutual replaces Reliance Standard and Matrix Life insurance Accidental death and dismemberment (AD&D) insurance Long-term disability insurance Short-term disability, family/medical and military leave administration Current 2016 coverage amounts grandfathered o o Supplemental life (employee, spouse and child) Buy-up long-term disability Evidence of insurability requirements o Any new supplemental life election (employee and/or spouse) o Increasing current supplemental life election (employee and/or spouse) o Basic life insurance that exceeds $750,000 o Changing long-term disability election from core to buy-up Disability and Leave of Absence Claims o If first day of disability is prior to January 1, 2017, short-term and long-term disability claim remains with Matrix o All Family Medical and Military Leaves will move to Liberty Mutual on January 1, 2017 o Details on how to file a claim with Liberty Mutual will be included in your 2017 annual enrollment kit 10

11 Health Savings Account 2017 Annual Contribution Limit Increase IRS annual maximum $3,400 for employee only coverage tier Annual maximum contribution for all other coverage tiers remains at $6,750 Applies only to employees enrolled in HSA Gold or HSA Silver medical plan Limit includes both employee AND employer contributions 11

12 Annual Enrollment Communication Timeline Deliverable Timing Annual enrollment packet mailed to homes October 20 Annual enrollment information available on October 24 Annual enrollment period November confirmation statement mailed to homes Early December Benefits correction period must call Veolia Benefits Center Medical plan ID cards mailed by BCBS and UHC Nov 21 - Dec 9 Mid-December 12

13 Benefits 101 Beyond Annual Enrollment

14 Important Reminders Life Events and Dependent Verification Changing Benefit Elections Due to a Life Event Qualified life event = marriage, divorce, birth/adoption of a child, or gain/loss of other coverage Must notify Veolia Benefits Center within 31 days of the event in order to change your current elections You do not immediately need a newborn s Social Security Number or birth certificate to add the child to coverage, however you must call within 31 days of the child s birth Letter requesting you submit documentation supporting the life event will be mailed to your home Must fax, mail or upload documentation by the stated deadline Failure to provide this information by the stated deadline will result in the change being reversed Verification of Dependents Following the addition of any newly-added or newly-eligible dependent(s), including a dependent(s) added during annual enrollment, you will receive a letter requesting you submit documentation supporting in order to verify the dependent s eligibility Must fax, mail or upload documentation by the stated deadline Failure to provide this information by the stated deadline will result in loss of coverage for the new dependent(s) 14

15 Important Reminders New Hire/Newly Eligible Benefit Elections and Flexible Spending Accounts New Hires/Newly Eligible Employees Regular (not temporary) employees scheduled to work 30+ hours per week are eligible for benefits the first of the month following date of hire You must enroll in benefits or actively waive coverage within 45 calendar days of your hire date or the date you become eligible for benefits If you do not elect or actively waive coverage, you will be enrolled in default coverage and the associated cost will be deducted from your pay Default coverage includes HSA Silver medical coverage (employee only), basic life and AD&D insurance, core long-term disability, short-term disability and EAP Temporary, non-union employees scheduled to work 30+ hours per week are eligible for medical coverage only Eligible for coverage the first of the month following 60 days You must elect or actively waive medical coverage beginning 15 days prior to your coverage effective date and ending 30 days after your coverage effective date Default coverage (HSA Silver, employee only) will be assigned if you do not elect or waive by the deadline Flexible Spending Accounts (FSA) o o o A new election is required each year to participate in the Health Care, Limited Purpose and/or Dependent Care FSA. Current elections will not carry over into 2017 An FSA debit card will be issued to participants, if you are enrolling for the first time. FSA amounts elected for 2017 will be added to current HealthHub FSA debit cards If you are currently participating in an FSA, make sure you incur expenses by December 31, 2016 to use the rest of your 2016 funds. The deadline to submit 2016 expenses is March 31,

16 Important Reminders The HSA Medical Plans and Health Savings Accounts How the HSA Medical Plans Work The HSA Gold or HSA Silver medical plans may be right for you if you: Rarely have enough medical expenses during the year to meet the annual deductible Want an account you can use specifically to budget for health expenses that apply to your deductible and other out-of-pocket health, dental and vision care costs Want to build interest-bearing savings to help with future health expenses (for example, in retirement) Keep in mind that in the HSA medical plans: You are required to pay 100% of your covered expenses, including prescriptions, until you meet the individual or family deductible before the Plan pays a benefit Health Savings Account (HSA) You are allowed to contribute pre-tax dollars up to the IRS limits to an HSA You can elect, change or cancel your HSA contributions at any time If you are enrolled in the HSA Gold Medical Plan, Veolia makes a contribution each pay period to your HSA up to an annual maximum of $750 (individual coverage) or $1,500 (other coverage tiers) For more information, watch the HSA video on YourVeoliaBenefits.com 16

17 Important Reminders Preventive Care Preventive Care All Veolia medical plans cover in-network preventive care services at 100% with no deductible Below is a list of some of the preventive care services that are covered by most plans: Annual routine physical Well-child visits and immunizations Preventive care/screenings Pap/routine pelvic exam Mammograms Colorectal cancer screening Prostate Specific Antigen (PSA) Flu shot Routine dental exams, cleanings and X-rays (in Veolia s dental plan) Vision exam (in Veolia s vision plans) 17

18 Important Reminders Beneficiary Designations Beneficiary Designations Life/AD&D Insurance Please review and update, if necessary, your current life insurance and AD&D insurance (basic and supplemental) beneficiaries during annual enrollment. You can update your beneficiaries at any time throughout the year by contacting the Veolia Benefits Center or through the benefits website. 401(k) To update your beneficiary for the Veolia 401(k) Savings Plans, please log into your Vanguard account at Vanguard.com/RetirementPlans or call Vanguard at

19 2017 Annual Enrollment Recap

20 2017 Annual Enrollment Important Reminders Passive Enrollment If you do not take action, your 2016 elections will automatically roll over to 2017, with the exception of your flexible spending account (FSA) election(s), which you need to elect every year If you want to participate in a Health Care FSA, Limited Purpose FSA or Dependent Care FSA for 2017, you must re-enroll during the annual enrollment period If you currently enrolled in the PPO Gold or PPO Silver medical plan, you will be automatically moved to the new PPO plan for If you were assigned default benefits in 2016 and wish to make different elections for 2017, annual enrollment is your opportunity to make these changes Enrollment Period: November 1 November 18 Phone enrollment through the Veolia Benefits Center, , Monday through Friday, 7 a.m. 7 p.m. CT Online through the link in the Hot Topics section on YourVeoliaBenefits.com Confirmation Statements Will be mailed in early December. Please review your confirmation statement to ensure the information is accurate If you find an error, you have until December 9 to contact the Veolia Benefits Center to make changes or corrections 20

21 Questions?

2016 Open Enrollment Mainland. November 2-15, 2015

2016 Open Enrollment Mainland. November 2-15, 2015 2016 Open Enrollment Mainland November 2-15, 2015 2 Today s Agenda 2016 Open Enrollment Overview of Changes HSA Medical Plan New UHC Virtual Visits Life and Long Term Disability Other Considerations Premiums