Benefits-At-A-Glance Plan Year
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1 Benefits-At-A-Glance 2015 Plan Year This report shows 2015 TriNet Passport benefit year plan options available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY When your business' success depends on your smart decisions, having accurate, easy-to-read information is critical. After all, your decisions can only be as smart as the data behind them. TriNet is here to help you make the right decisions about worksite employee benefits with experienced guidance and best-in-class tools, including this Benefits-At-A-Glance (BAAG) plan comparison summary. And that s important, because making the right decisions about benefits can give you a competitive advantage, helping you recruit, retain, and engage the talent that powers your company. TriNet Passport benefit offerings give you the benefit choices you need to engage a highperforming workforce as well as the information you need to make smart decisions about those benefits. Disclaimer: This proprietary communication has been prepared for educational and informational purposes only. The content does not provide legal or tax advice, or legal opinions on any specific matters. Transmission of this information is not intended to create, and receipt does not constitute, an attorney-client relationship between TriNet and you. TriNet is not an insurance company, but rather is the single-employer sponsor of all its health and welfare plans. Nothing contained herein constitutes an offer to sell, buy, or procure insurance. TriNet is the single-employer sponsor of all its benefit plans. TriNet makes these plans available to qualifying worksite employees ("WSEs"), with whom TriNet has established an employment relationship, and who perform services for customers of TriNet in a Professional Employer Organization ("PEO") or service model. Under this model, TriNet incurs all expenses associated with its plan sponsorship and maintenance, and TriNet bills the customer for its services. The customer has no other financial obligation to TriNet, its other customers, or any of its insurance carriers for benefit plans sponsorship or provision. TriNet carriers have no recourse against TriNet customers. Other than compliance with TriNet contract terms, customers have no legal responsibilities to TriNet or the WSEs or any other TriNet customer for plan sponsorship or compliance. Federal and state laws may impose obligations on our customers independent of TriNet role as the plan sponsor. Because TriNet does not provide tax or legal advice, customers should address the resolutions of these obligations with their advisors. Any references to "your benefit programs or plans" are not legal terms or terms of art, and should not be confused with legal plan sponsorship, participation, or fiduciary compliance, These terms and others, such as "your employees" or "your selections, plan, or investments," are used solely as lay terms of convenience so that you understand we are referring only to the decisions made and TriNet plans available in a specific worksite or to a specific group of WSEs. coverage exclusions and limitations apply. In the event there is a conflict between any of the information contained in any benefits guidance materials provided by TriNet (including but not limited to information contained in any TriNet website, TriNet Benefits Enrollment Confirmation, any written or electronic pamphlets, letters, s, text messages, and statements made by TriNet worksite employees) and the TriNet Plan document, the Plan document shall control. Also, if there is a conflict between an official certificate provided by TriNet insurance carrier(s) (the "Carrier Certificate") and either the TriNet Plan document, any TriNet Summary Plan Description, statements made by a TriNet employee, or any other benefits guidance materials provided by TriNet (including but not limited to those described above), the Carrier Certificate shall control. Please note: Information contained in this summary may be updated at any time based on additional clarifications due to recent health care reform legislation and state mandates TriNet. All rights reserved. All trademarks, trade names, service marks and logos referenced herein belong to their respective companies.
2 Life & Disability Plans Basic Life and Accidental Death and Dismemberment (AD&D) Basic Life Plan Locations Carrier Basic Life and AD&D Paid By Basic Life and Accidental Death and Dismemberment (AD&D) Nationwide MetLife Employer Paid-Group Coverage Amount Options $20,000 $50,000 $100,000 1x Earnings* 2x Earnings* 3x Earnings* Coverage Maximum Age Reductions (Applies only to 1x, 2x, or 3x Earnings options) Accelerated Death Benefit Taxation Rules Conversion and Portability Options** $1,000,000 (for 1x, 2x, or 3x Earnings options) Not required for coverage At age 65, benefit amount reduces to 65% of full coverage amount At age 70, benefit amount reduces to 50% of full coverage amount (WSEs may convert the lost coverage amount to an individual policy) Upon MetLife s approval, up to 80% of basic life insurance amount (maximum $500,000) WSE pays taxes on value of coverage greater than $50,000 (imputed income) Conversion option Basic Life only * Basic Life Times Earnings Plans are reduced by age: If you are age 65 or older but under age 70, Basic Life and Accidental Death and Dismemberment insurance coverage will be limited to 65% of such amount. On and after your 70th birthday, your Basic Life and Accidental Death and Dismemberment insurance coverage will be limited to 50% of such amount. ** Member will be contacted by MetLife for conversion and/or portability options. AD&D insurance is not available for conversion or portability. 7/25/2014 2
3 Supplemental Employee Term Life Supplemental Spouse/Domestic Partner Term Life Supplemental Child Term Life Supplemental AD&D Supplemental Life Supplemental Employee Term Life Supplemental Spouse/Domestic Partner Term Life Supplemental Child Term Life Supplemental AD&D Plan Locations Nationwide Nationwide Nationwide Nationwide Carrier MetLife MetLife MetLife MetLife Plan Features Supplemental Life and Accidental Death and Dismemberment (AD&D) Paid By Optional (paid by WSE) Optional (paid by WSE) Optional (paid by WSE) Optional (paid by WSE) Coverage Amount Options 1x Earnings* 2x Earnings* 3x Earnings* 4x Earnings* 5x Earnings* 6x Earnings* $10,000 $150,000* in $10,000 increments $10,000 (coverage per child up to age 26) Worksite Employee Amount Options: $25,000 $50,000 $100,000 $250,000 $500,000 $750,000 Spouse/Partner Amount Option: 50% of worksite employee amount Child Amount Option: 10% of worksite employee amount per child Coverage Maximum $2,000,000 $150,000 $10,000 $750,000 Eligibility All benefits- WSEs may elect voluntary supplemental coverage WSEs who elect supplemental employee term life insurance coverage of at least 1x Earnings WSEs who elect supplemental employee term life insurance coverage of at least 1x Earnings All benefits- WSEs may elect voluntary supplemental coverage Required for coverage amounts over $300,000 Required for coverage amounts over $30,000 Not required for coverage Not required for coverage Accelerated Death Benefit Upon MetLife s approval, up to 80% of supplemental life insurance amount (maximum $500,000) Upon MetLife s approval, up to 80% of supplemental life insurance amount (maximum $120,000) Conversion and Portability Options** Conversion or Portability options available Conversion or Portability options available Conversion or Portability options available * If WSE/Spouse/Partner did not elect Supplemental Life coverage when first benefits, WSE/Spouse/Partner is subject to. ** Member will be contacted by MetLife for conversion and/or portability options. AD&D insurance is not available for conversion or portability. 7/25/2014 3
4 Disability Option 1 (Coupled Disability Option 2 (Coupled Disability Option 3 (Coupled Disability Option 4 (Optional Disability Coverage Disability Option 1 (Coupled Disability Option 2 (Coupled Disability Option 3 (Coupled Disability Option 4 (Optional Plan Locations Nationwide Nationwide Nationwide Nationwide Carrier Aetna Aetna Aetna Aetna Short Term Disability STD Paid By Employer Paid-Group Employer Paid-Group Employer Paid-Group Optional (paid by WSE) Percent of Pay 66.67% 60% 50% 60% 8/8/25** 8/8/25** 8/8/25** 15/15/24* Weekly Maximum $2,308 $2,308 $2,308 $2,308 Not required for coverage Not required for coverage Not required for coverage STD Conversion Option No No No No Waiver of Premium No No No No Long Term Disability*** LTD Paid By Employer Paid-Group Employer Paid-Group Employer Paid-Group Employer Paid-Group Percent of Pay 66.67% 60% 50% 60% Monthly Maximum $10,000 $10,000 $10,000 $10,000 Not required for coverage Not required for coverage Not required for coverage Not required for coverage LTD Conversion Option Waiver of Premium Yes Yes Yes Yes Imputed Income Option Available. If selected by not taxable income. Available. If selected by not taxable income. Available. If selected by not taxable income If your employer did not elect group disability coverage and WSE did not enroll in an optional disability plan when first benefits, WSE is subject to Statement of Health. * 15/15/24 means benefits begin 15th day (illness) / 15th day (injury) / 24 weeks. ** 8/8/25 means benefits begin 8th day (illness) / 8th day (injury) / 25 weeks. *** LTD plans have a pre-existing condition exclusion if during the 3 months before coverage is effective you were diagnosed or treated, received diagnostic or treatment services or took drugs prescribed or recommended by a physician for an illness, injury or pregnancy-related condition. The plan does not pay benefits for a disability that is caused, or contributed to, by a pre-existing condition if the disability starts within the first 12 months after LTD coverage goes into effect. 7/25/2014 4
5 Disability Option 5 (Optional Disability Option 6 (Coupled Disability Option 7 (Coupled Disability Option 8 (Optional STD Standalone) Disability Coverage Disability Option 5 (Optional Disability Option 6 (Coupled Disability Option 7 (Coupled Disability Option 8 (Optional STD Standalone) Plan Locations Nationwide Nationwide Nationwide Nationwide Carrier Aetna Aetna Aetna Aetna Short Term Disability STD Paid By Optional (paid by WSE) Optional (paid by WSE) Optional (paid by WSE) Optional (paid by WSE) Percent of Pay 50% 50% 60% 50% 15/15/24* 15/15/24* 15/15/24* 15/15/24* Weekly Maximum $2,308 $2,308 $2,308 $1,154 STD Conversion Option No No No No Waiver of Premium No No No No Long Term Disability*** LTD Paid By Employer Paid-Group Optional (paid by WSE) Optional (paid by WSE) (Option 8 is STD only) Percent of Pay 50% 50% 60% Monthly Maximum $10,000 $10,000 $10,000 Not required for coverage LTD Conversion Option Waiver of Premium Yes Yes Yes Imputed Income Option Available. If selected by not taxable income If your employer did not elect group disability coverage and WSE did not enroll in an optional disability plan when first benefits, WSE is subject to Statement of Health. * 15/15/24 means benefits begin 15th day (illness) / 15th day (injury) / 24 weeks. ** 8/8/25 means benefits begin 8th day (illness) / 8th day (injury) / 25 weeks. *** LTD plans have a pre-existing condition exclusion if during the 3 months before coverage is effective you were diagnosed or treated, received diagnostic or treatment services or took drugs prescribed or recommended by a physician for an illness, injury or pregnancy-related condition. The plan does not pay benefits for a disability that is caused, or contributed to, by a pre-existing condition if the disability starts within the first 12 months after LTD coverage goes into effect. 7/25/2014 5
6 Disability Option 9 (Optional LTD Standalone) Disability Coverage Plan Locations Carrier Disability Option 9 (Optional LTD Standalone) Nationwided Aetna Short Term Disability STD Paid By Percent of Pay Weekly Maximum STD Conversion Option Waiver of Premium (Option 9 is LTD only) Long Term Disability*** LTD Paid By Optional (paid by WSE) Percent of Pay 60% 90-day elimination period; see Monthly Maximum $5,000 LTD Conversion Option Waiver of Premium Imputed Income Option Yes *** LTD plans have a pre-existing condition exclusion if during the 3 months before coverage is effective you were diagnosed or treated, received diagnostic or treatment services or took drugs prescribed or recommended by a physician for an illness, injury or pregnancy-related condition. The plan does not pay benefits for a disability that is caused, or contributed to, by a pre-existing condition if the disability starts within the first 12 months after LTD coverage goes into effect. If your employer did not elect group disability coverage and WSE did not enroll in an optional disability plan when first benefits, WSE is subject to Statement of Health. 7/25/2014 6
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