2017 Benefits & Wellness Guide
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- Corey Tucker
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1 2017 Benefits & Wellness Guide
2 3 Welcome 4-8 Medical 9 Dental 10 Vision Provided Coverage Voluntary Plans 16 Financial Wellness 17 Additional Benefits 18 Life Event 19 Glossary 20 Contacts 2
3 Team Member, As we head into 2017, I m happy to report our ability to continue to offer you Benefit plans that allow you to customize your benefits experience to best fit your needs. Similar to our business model, you only pay for what you want or need. John Redmond President Across the country, medical insurance premiums have been trending at about an 8% cost increase on average. We re proud to have capped any increases passed on to you at no greater than 4.8%, and in some cases even slightly decreased premiums, depending on what plan design and coverage level you select. Our four medical plans remain the same: A traditional HMO, a traditional PPO, a High- Deductible Health Plan (HDHP1300), and an ultra-high-deductible Health Plan (HDHP3500). Depending on your family needs, options vary from having low paycheck premiums with higher out of pocket costs, to having a higher paycheck premium with lower copays and deductibles. To make things simple and help you evaluate your choices, again this year ALEX is available, an online decision making tool. By answering a few questions, the ALEX system will quickly and efficiently help you find the right plan to fit your family, lifestyle, or budget needs. There are two changes to our offerings this year, designed to help streamline and bring efficiency and more cost-effectiveness to our Benefits platform. First, Aetna will take over as our Dental provider, which will help simplify coverage and carriers while still offering the two levels of dental coverage you have come to expect. Second, we have moved our prescription coverage to OrchestraRx, which offers deeper discounts, lowering your out of pocket prescription costs while still offering a robust network of pharmacies. We re also offering a voluntary legal assistance benefit this year, based on team member requests. We ve partnered with U.S. Legal who will provide advice and consultations on numerous legal matters if you enroll in the plan. We are excited about this year s benefits and expect the various choices will offer you options to specifically meet your needs. I m looking forward to sharing a successful and healthy 2017 with you! 3
4 YOU CAN COVER YOUR Spouse Dependent children (biological, step, adopted or legal ward) up to age 26 Disabled children over age 26 who depend on you for financial support MEDICAL PLANS* Not available to Team Members covered under TeamCare benefits. Aetna Member Services: In 2017, we are offering four medical plans from Aetna - HDHP 1300, HDHP 3500, PPO, and HMO. Each plan presents a unique combination of coverage and costs. To help you navigate the plans and identify which one best suits your household needs, we have ALEX, an easy-to-understand guide to all of our plans. To log into ALEX and explore your benefit options, go here: HDHP HSA Eligible plan HDHP HSA Eligible plan Both the HDHP 3500 and HDHP 1300 plans are High Deductible Health Plans. Preventive care costs are covered 100%. Team Members can pay for qualified medical expenses with pre-tax dollars from their Health Savings Account (HSA). With an HSA, dollars contributed roll over from year to year. If you leave the Company, the account, along with all the funds in it, goes with you. Both Team Members and employers can make contributions to an HSA. Allegiant contributes to your HSA both through a wellness incentive and by matching contributions. When you participate in a voluntary health screening, Allegiant contributes $200 to your HSA. If you cover dependents on your High Deductible Health Plan, the wellness incentive can increase to $400, see G4Connect for details. Allegiant also matches contributions made by Team Members to the HSA plan. Team Member Only Annual Maximum Match* $550 Wellness Health Screening Must be hired by September 1, 2017 Screening completed by November 30, 2017 B $200 Team Member Plus $1100 $400 *If annual salary < = $40K, match is $2 to $1. If annual salary is > $40K, match is $1 to $1. The IRS annual limit maximum contribution for the 2017 plan year is $3,400 for those with Team Member Only coverage and $6,750 for Team Member plus Dependent(s). The annual limits include both the Team Member and employer contributions. Team Members who contribute to an HSA, are 55 or older and who are not enrolled in Medicare are allowed to contribute an additional $1,000. 4
5 MEDICAL PLANS (cont'd) PPO (a Preferred Provider Organization) - FSA Eligible Plan With the PPO plan you have access to both in-network and out-of-network health care providers. Your portion of the costs are less when you use in-network providers. There is no Health Savings Account (HSA) with this plan. With this plan you may enroll in a Flexible Spending Account (FSA). However, there is no company match and funds do not roll over to the next year. All contributions need to be used within the year. Any 'left-over' funds are forfeited. This is often referred to as a 'use-it-or-lose-it' account. HMO (a Health Maintenance Organization plan) - FSA Eligible Plan With the HMO plan you have access to certain health care providers within a limited network. Unlike other insurance plan types, care is covered only if you see a provider within the HMO network. You will pay a set copay when you seek health care. If you opt to see a health care-provider outside the network, you will have to pay the entire cost of medical services. There is no Health Savings Account (HSA) with this plan. With this plan you may enroll in a Flexible Spending Account (FSA). However, there is no company match and funds do not roll over to the next year. All contributions need to be used within the year. Any 'left-over' funds are forfeited.this is often referred to as a 'use-it-or-lose-it' account. Reminder: Your Primary Care Physician must be selected at the time of your enrollment. Your prescription benefit is a combined deductible with the medical plan selected, however the prescription coverage is provided through OrchestraRx. OrchestraRx:
6 PLAN SUMMARIES HDHP HSA Eligible plan In-Network Out-of-Network Annual Deductible Team Member Only $3,500 $4,000 Team Member Plus $5,250 $6,000 Co-insurance 30% 50% Annual Out-of-Pocket Maximum Team Member Only $4,500 $9,000 Team Member Plus $6,750 $13,500 Rx Information (OrchestraRx) - with HDHP 3500 In-Network Out-of-Network Prescriptions Generic $5 after deductible Not covered Brand (Formulary/Preferred) 20% after deductible Not covered Brand (Non Formulary/Non Preferred) 20% after deductible Not covered HDHP HSA Eligible plan In-Network Out-of-Network Annual Deductible Team Member Only $1,300 $1,750 Team Member Plus $2,600 $3,500 Co-insurance 20% 40% Annual Out-of-Pocket Maximum Team Member Only $3,000 $6,000 Team Member Plus $6,000 $12,000 Rx Information (OrchestraRx) with HDHP 1300 In-Network Out-of-Network Prescriptions Generic $5 after deductible Not covered Brand (Formulary/Preferred) 20% after deductible Not covered Brand (Non Formulary/Non Preferred) 20% after deductible Not covered 6
7 PLAN SUMMARIES (cont'd) PPO (a Preferred Provider Organization) - FSA Eligible plan In-Network Out-of-Network Annual Deductible Team Member Only $500 $1,000 Team Member Plus $1,000 $2,000 Co-Insurance 20% 40% Co-Pays Office Visit/Exam $20 40% after deductible Specialist Visit $50 40% after deductible Emergency Room $200, then 20% $200, then 20% Annual Out-of-Pocket Maximum Team Member Only $2,500 $5,000 Team Member Plus $5,000 $10,000 Rx Information (OrchestraRx) - with PPO In-Network Out-of-Network Prescriptions Generic $20 Not covered Brand (Formulary/Preferred) $60 Not covered Brand (Non Formulary/Non Preferred) $100 Not covered HMO (a Health Maintenance Organization plan) - FSA Eligible plan In-Network Out-of-Network Annual Deductible Team Member Only $0 Not covered Team Member Plus $0 Not covered Co-Insurance N/A Not covered Co-Pays Office Visit/Exam $20 Not covered Specialist Visit $40 Not covered Emergency Room $200 $200 Annual Out-of-Pocket Maximum Team Member Only $3,000 Not covered Team Member Plus $6,000 Not covered Rx Information (OrchestraRx) - with HMO In-Network Out-of-Network Prescriptions Generic $5 Not covered Brand (Formulary/Preferred) $30 Not covered Brand (Non Formulary/Non Preferred) $50 Not covered 7
8 RATES Per Paycheck Non-Tobacco Use Rate Team Member Only Team Member + Child(ren) Team Member + Spouse Team Member + Family HDHP 3500 $22.84 $47.71 $78.78 $79.47 HDHP 1300 $46.75 $93.17 $ $ PPO $56.61 $ $ $ HMO $90.36 $ $ $ Per Paycheck Tobacco Use Rate Team Member Only Team Member + Child(ren) Team Member + Spouse Team Member + Family HDHP 3500 $34.27 $67.71 $98.78 $99.47 HDHP 1300 $66.75 $ $ $ PPO $76.61 $ $ $ HMO $ $ $ $
9 DENTAL CARE * Not available to Team Members covered under TeamCare benefits. Aetna Member Services: In 2017, we are offering two dental plans from Aetna Dental: Basic and Buy-Up. The dental plans are a preferred provider option that include a network of dental providers. You receive benefits whether you seek care from an in-network or out-of-network dentist. If you choose to visit an in-network dentist, you will enjoy lower outof-pocket costs. Both plans use the same network of in-network providers. Preventive care is covered by the dental plan 100% (including two cleanings every 12 months). Also, preventive care does not count toward your annual maximum benefit. Dental Plan Summaries Basic Buy-Up Annual Deductible In-Network Out-of-Network In-Network Out-of-Network Team Member Only Team Member Plus $25 $25/person $50 $50/person $25 $25/person $50 $50/person up to $75 max up to $150 max up to $75 max up to $150 max Benefit Preventive Care 100% 100% 100% 100% Basic Services 90% 80% 90% 90% Major Services 60% 50% 60% 60% Annual Maximum Benefit $1,200 $750 $2,000 $2,000 Orthodontia Orthodontia 50%-$1,000 50%-$1,000 50%-$1,500 50%-$1,500 lifetime maximum lifetime maximum lifetime maximum lifetime maximum Dependent Restriction Child(ren) to Child(ren) to Child(ren) Child(ren) age 26 *Appliance must be in place prior to age 20 age 26 and adults and adults Dental Plan Rates Basic Per Paycheck Buy-Up Per Paycheck Team Member Only $6.04 $9.30 Team Member + Child(ren) $10.48 $21.53 Team Member + Spouse $16.14 $19.33 Team Member + Family $20.43 $
10 VISION CARE *Not available to Team Members covered under TeamCare benefits. EyeMed Member Services: The vision plan is a preferred provider option that includes a network of eye care providers. You receive the maximum benefits of the plan and pay less out-of-pocket when you seek care from an in-network provider. Eyemed Plan Benefits Summary In-Network Out-of-Network Eye Exam (every 12 months) $20 co-pay Up to $50 allowance. Lenses (every 12 months) Single $20 co-pay Up to $50 allowance Bifocal $20 co-pay Up to $75 allowance Trifocal $20 co-pay Up to $100 allowance Frames (every 12 months) $0 co-pay; $130 allowance Up to $70 allowance (20% off retail price over $130) Contact Lens Care $0 co-pay; $130 allowance Up to $105 allowance (in lieu of lenses/frames) (15% off retail price over $130) Eyemed Plan Rates Per Paycheck Team Member Only $0.92 Team Member + Child(ren) $2.49 Team Member + Spouse $1.75 Team Member + Family $
11 ALLEGIANT PROVIDED PLANS Allegiant provides the following benefits at no cost to Team Members: Long Term Disability Symetra Member Services: Allegiant provides long-term disability at no cost to full-time Team Members. This plan provides a source of income if you are disabled for 90 days or more due to an illness or injury. You are paid 60% of your monthly earnings, up to a maximum of $5,000 per month. Allegiant pays the full cost of this benefit. You do not pay tax on the premium, so any benefits you receive may be taxed. *Pilots, refer to CBA. Life Insurance Symetra Member Services: Allegiant provides Basic Life and Accidental Death and Dismemberment (AD&D) insurance equal to one time your annual base salary up to a maximum of $150,000. This is at no cost to all full-time employees. *Pilots, refer to CBA. BENEFICIARY DESIGNATION It is important to designate a beneficiary for your life insurance benefits. The beneficiary is the person who will receive the life and/ or AD&D benefit in the event of your death. Even if you waive all other coverage, please complete or update the Beneficiary Section in Ultipro during enrollment for the employer-paid group life insurance. Health Champion *Not available to Team Members covered under TeamCare benefits. Health Champion: Health Champion helps you with healthcare selection and insurance-related issues. This benefit is available to all full-time Team Members. There is no sign-up required and there is no cost to you for this benefit. This benefit is also extended to all family members, such as your parents and grandparents. Find the right doctors, specialists, hospitals Unlimited calls Untangle medical bills Locate eldercare and support services Save time, money and worry 11
12 ALLEGIANT PROVIDED PLANS (cont'd) EAP EMPLOYEE ASSISTANCE PROGRAM (EAP) ComPsych Member Services: The Employee Assistance Program offers free, confidential support to Team Members day or night. Representatives can assist in finding resources and information on issues including: Mental health and well-being Personal and professional struggles Substance abuse Family life Financial information and resources Limited legal support and resources This benefit is available to both part-time and full-time Team Members and their household members or family. There is no sign-up required and the cost of this benefit is paid 100% by Allegiant. The benefit includes up to five sessions annually per issue for each member of your household. HealthiestYou Telehealth Services *Not available to Team Members covered under TeamCare benefits. HealthiestYou Member Services: Direct Member Portal Allegiant bundles HealthiestYou with all four of the medical plans. If you enroll in one of the medical plans, you and your dependents covered on our medical plan will automatically be enrolled in HealthiestYou at no additional costs or deductions. HealthiestYou provides 24/7 access to a health care provider via phone, video (Skype) or for the diagnosis and treatment of illness and common conditions as well as second opinions. There is no cost for using HealthiestYou. The only cost you will incur is for a prescription if prescribed. Set up your HealthiestYou app Today! iphone, ipad, and Android compatible 12
13 OPTIONAL, VOLUNTARY PLANS Allegiant provides you access to the following voluntary plans. These plans are offered by our vendors at a low, group rate cost. Team Members may enroll in any or none of the following plans. Premiums for these plans will be deducted on a per paycheck basis. Short Term Disability Symetra Member Services: Allegiant offers optional short-term disability. This plan provides a source of income for up to 11 weeks, should you become disabled due to a non-work related illness or injury. A 14-day waiting period applies. You are paid 60% of weekly earnings, up to a maximum of $2,500 per week. Because you pay the premium after tax, the benefits you receive may not be taxable, and premiums are paid via payroll deductions. Rates are based on your age and salary. Team Members who elect this benefit during the initial offering will be guaranteed issuance without completing an Evidence of insurability (EOI). Future elections after your initial enrollment period may be subject to an EOI. You can use the following chart and example to determine your short-term disability benefit and premium cost. Locate your age and the corresponding rate as of Jan. 1 for the applicable benefit year: Age Rate per $10 <45 $ $ $ $ $ $0.48 Divide your annual salary by 52 (weeks), then multiply it by 60%, this will be your weekly benefit amount. If this amount exceeds $2,500 your benefit amount will be capped at $2,500. Multiply your weekly benefit amount by your rate from the chart above and then divide this number by 20. This will give you your per paycheck premium cost. Example: Salary Weekly Benefit Age Rate Per Paycheck $52,000 $600 ($52,000/52) x $6.60 (600x.22)/20 13
14 OPTIONAL, VOLUNTARY PLANS (cont'd) Life Insurance Symetra Member Services: VOLUNTARY LIFE/ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) Allegiant gives you the opportunity to buy valuable life insurance coverage for yourself, your spouse, and your dependent children all at affordable group rates. You pay for the voluntary premiums through payroll deductions. Rates are based on amount of benefit coverage and age. Team Member Spouse Child Guaranteed Issuance (new hire) (1)(2) Overall Maximum Benefit Available $100K $25K $10K Lesser of 5 times your basic annual earnings or $500K $250K $10K AD&D Coverage(3) Yes Yes Yes Employee Contribution 100% 100% 100% (1) Team Members who elect voluntary life during their initial offering will be guaranteed a benefit up to $100K (not to exceed 5 times your basic annual earnings) without completing an Evidence of insurability (EOI). Future increases after your initial enrollment or amounts above the guaranteed issuance will be subject to an approved EOI. (2) Employee coverage available in increments of 10K, spouse available in 5K, child available in 1K. (3) Accidental Death & Dismemberment (AD&D) coverage provides a benefit in the event of death or dismemberment resulting from a covered accident. Team Members & Spouse Voluntary Life and AD&D Insurance Age Per Paycheck Premium Rate Per Coverage Amount. $1,000 $10,000 $20,000 $40,000 $50,000 $100,000. Under 30 $0.05 $0.55 $1.09 $2.18 $2.73 $ $0.05 $0.55 $1.09 $2.18 $2.73 $ $0.08 $0.77 $1.54 $3.08 $3.85 $ $0.11 $1.12 $2.24 $4.48 $5.60 $ $0.16 $1.60 $3.19 $6.38 $7.98 $ $0.25 $2.55 $5.09 $10.18 $12.73 $ $0.43 $4.35 $8.69 $17.38 $21.73 $ $0.60 $6.05 $12.09 $24.18 $30.23 $ * $1.11 $11.15 $22.29 $44.58 $55.73 $ * $1.93 $19.32 $38.64 $77.28 $96.60 $ *Due to rounding, your actual payroll deduction amount may vary slightly. Note: Spouse amount cannot exceed 50% of the employee's voluntary life benefit. *At age 65 benefit reduces to 65% and at age 70+ benefit reduces to 50%. 14
15 OPTIONAL VOLUNTARY PLANS (cont'd) Dependent Child Life Insurance Coverage Coverage Amount $1,000 $0.11 $2,000 $0.22 $4,000 $0.45 $5,000 $0.56 $10,000 $1.12 Per Paycheck Premium HealthiestYou Telehealth Services *Not available to Team Members covered under TeamCare benefits. HealthiestYou Member Services: Direct Member Portal Are you interested in telehealth services, but are not enrolling in one of our medical plans? We also provide a stand-alone HealthiestYou plan for Team Members who are not enrolling in an Allegiant medical plan. HealthiestYou provides 24/7 access to a health care provider via phone, video (Skype) or for the diagnosis and treatment of illness and common conditions as well as second opinions. When you use HealthiestYou, the only cost you will incur is a prescription if prescribed. Stand-Alone HealthiestYou Premium Rates Team Member Only $2.50 Team Member + Child(ren) $2.50 Team Member + Spouse/Domestic Partner $2.50 Team Member + Family $2.50 Per Paycheck 15
16 YOUR FINANCIAL & LEGAL WELLNESS Employee Stock Purchase Program (ESPP) Fidelity Member Services: Own a piece of Allegiant! We are very proud to offer an ESPP to all eligible Team Members. An ESPP is a program which enables you to buy Company stock at a discount, through payroll deductions. You incur no fees to buy Allegiant stock or for Fidelity's (our Investment Company) account maintenance. Nominal fees are charged when selling stock, which Fidelity will advise you of at the time you plan to sell. Team Members are eligible to sign-up for the program in either April or October each year, following their first three (3) months of continuous employment. For more information: 401(k) Fidelity Member Services: Allegiant offers a 401 (k) "Safe Harbor" Plan to all eligible Team Members. We offer a "Safe Harbor" 401(k) matching contribution in an amount equal to 100% of the first 3% of your contribution and 50% of the next 2% of your contribution. The matching contribution is immediately 100% vested and non-forfeitable.team Members are eligible to sign-up for the program at any time following the beginning of the quarter after the completion of their first three (3) months of continuous employment. For more information: *Pilots, refer to CBA. Voluntary Legal Benefits by U.S. Legal U.S. Legal Services: We are pleased to announce that Allegiant is offering a voluntary legal benefit plan. They offer telephonic and office consultations on numerous legal matters, some of which include family matters, Chapter 7 and Chapter 13 Bankruptcy and Civil Law. For more information: U.S. Legal Rates Team Member and Family (covers children up to age 26) Per Paycheck $
17 ADDITIONAL BENEFITS Educational Assistance Allegiant offers tuition reimbursement for Full Time and Part Time (effective January 1, 2017) Team Members up to $1,500 each year. Courses and programs must be directly or indirectly related to your career. Team Members must have completed six months of service, apply before the course(s) begin, and pass with a grade of B or better. For more information: PTO2GO Although we hope that nothing happens to our Team Members, we understand that there may be circumstances where our Team Members may need help and more time away from work. The PTO2GO programs allows the transfer of authorized vacation and sick leave hours from one Team Member to another who is suffering extraordinary, unplanned, or involuntary events in their personal life and is unable to work. For more information: Adoption Program For 2017, as requested by Team Members, we are happy to introduce the Adoption Benefit Program. Team Members who have completed 12 months of service are eligible for reimbursement up to $8,000 in eligible expenses. For more information: Deals & Discounts Team Members live in exciting places and love to travel just as much as our passengers. We have dozens of partnerships with local business and nationwide companies to provide you with the same great rates as the people we fly! Deals and discounts are always changing, so be sure to visit the pages often. For more information: 17
18 LIFE HAPPENS TAKE ACTION You can change, add, or drop coverage during open enrollment or if you experience a qualifying LIFE EVENT. WHAT IS A "LIFE EVENT"? Generally, a life event is a situation in which your family size or your availability to other insurance coverage changes. A change in your life can make you eligible for a Special Enrollment Period to enroll in health care coverage through Allegiant outside of the Open Enrollment period. Examples of a life event include: Marriage or divorce Birth, adoption, or death of a dependent Loss of other insurance coverage (i.e. your spouse loses their job-based coverage.) Gain of other insurance coverage WHAT IS THE TIME LIMIT TO MAKE BENEFIT CHANGES AFTER A "LIFE EVENT"? You must notify the Benefits Department within 31 days of the date of the life event, even if you don t have the required documentation. WHAT STEPS DO I NEED TO TAKE IF I EXPERIENCE A "LIFE EVENT"? Notify the Benefits department within 31-days of the date of the Life Event. Provide required documentation necessary as evidence of the event. See G4Connect for examples of required documentation. WHAT HAPPENS AFTER I SUBMIT MY LIFE EVENT CHANGES? Your life event, documentation and benefit elections will be reviewed by the Benefits Department. If approved, you will receive a Benefit Confirmation Statement via and applicable instructions for accessing new benefits. Your payroll deductions will be updated and you will be reimbursed or owe for any missed premiums dating back to the original date of the life event. WILL I RECEIVE UPDATED INSURANCE CARDS? Yes, within 14 business days of your changes being approved you will receive updated insurance cards from the benefit vendors. Excluding Aetna Dental, where no card is required for treatment. WHAT HAPPENS IF I MISS THE 31-DAY WINDOW TO MAKE CHANGES? If you miss the 31-day window, you will not be able to make changes until the next open enrollment period. Open enrollment is held in the fourth quarter of the calendar year with an insurance effective date of January 1. 18
19 GLOSSARY 401(k) - is a defined contribution plan where you can make contributions from your paycheck either before or after-tax, depending on whether you contribute to the traditional 401(k) or the Roth 401(k) option. The contributions go into the 401(k) account and you choose the investments based on options provided under the plan. Allegiant provides a match to your contributions. Accidental Death and Dismemberment Insurance (AD&D) - is a rider attached to the life insurance policy covering death by accidental means and dismemberment, including the loss of or the loss of use of body parts or functions (meaning limbs, speech, eyesight or hearing). Alex - A decision making tool designed to act as your personal benefits counselor. Alex explains all your options in plain English, and helps you choose the plans that make the most sense for you and your family. Beneficiary- A person or group of persons, designated as the recipient of the benefits of your insurance policy. Deductible The amount you must pay before an insurance company will make a payment. Employee Assistance Program (EAP) Employee Assistance Program is a company-paid benefit which provides support and/or counseling for entire family through many types of personal and professional issues. Employee Stock Purchase Plan (ESPP) - is a company-run program in which you can purchase company stock shares at a discounted price. You can elect to contribute to the plan through payroll deductions which build up between the offering date and the purchase date. Evidence of Insurability (EOI) - is a statement of medical history and related information completed by you, which the insurance company will use to determine whether you will be approved for coverage. FSA Dependent Care (FSA) A Dependent Care Flexible Spending Account lets you use tax-exempt funds to pay for childcare expenses you incur while at work. You can also use FSAs to cover adult daycare expenses for elderly family members who live in your home. All contributions need to be used within the year. Any unused funds are forfeited. FSA Medical Care (FSA) A Medical Care Flexible Spending Account lets you use tax-exempt funds to pay for qualified out-of-pocket health care costs. All contributions need to be used within the year. Any unused funds are forfeited. Health Savings Account (HSA) A medical savings account made available to you when you enroll in a high-deductible health plan (HDHP). Any funds you contribute to your HSA are not subject to federal income tax. Any unused balance can be rolled over at the end of the year. High Deductible Health Plan (HDHP) - A high-deductible health plan (HDHP) is a health insurance plan with lower premiums and higher deductibles than a traditional health plan. Being covered by an HDHP is also a requirement for having a Health Savings Account (HSA). Long-Term Disability Insurance (LTD) - is an insurance policy that protects you from loss of income in the event you are unable to work due to illness, injury, or accident for a long period of time. Premium The amount deducted from each paycheck to pay the employee portion of the cost for each of the benefits you have selected. Safe Harbor A Safe Harbor 401(k) plan is similar to a traditional 401(k) plan, but among other things, it requires the company to match your contributions up to a certain amount and the contributions must be 100% fully vested when made. The Company s matching contributions may be limited to employees who participate in the plan. Short-Term Disability Insurance (STD) - pays a percentage of your salary if you become temporarily disabled, which means you are not able to work for a short period of time due to sickness or injury not related to your job. 19
20 CONTACTS Plan Phone Number Web/ Medical Aetna Health Savings Account (HSA) PayFlex Flexible Spending Account (FSA) Discovery Telehealth-HealthiestYou COBRA-Discovery RX OrchestraRx Dental Aetna Vision EyeMed Ancillary Plans Behavioral Health EAP - ComPsych (EAP) Health Champion Life Insurance (Basic & Voluntary) Symetra Long Term Disability/Short Term Disability-Symetra Financial Health ESPP (K) - Fidelity U.S. Legal Allegiant Contacts Alex Benefits Team benefits@allegiantair.com Benefits Fax Leave of Absence - LOA myleaveofabsence@allegiantair.com Workers Compensation workerscomp@allegiantair.com Corporate Travel * corporate.travel@allegiantair.com * The Benefits Team administers your health care related benefits. Please contact Corporate Travel directly with any questions regarding your travel benefits. 20
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