CHOOSE. Your Benefits for November 2 November 20,

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1 CHOOSE Your Benefits for 2016 Open Enrollment: November 2 November 20, 2015 to enroll, go to: Open Enrollment is the time of year when you can make new benefit choices for the coming year. The choices you make are important, so take some time now to consider your benefit needs and review your options. This booklet explains the open enrollment process, provides a summary of changes and premiums for For detailed information about G&K s benefit plans go to: Need help? If you need assistance at any point during enrollment you can contact G&K HR Solutions and speak with an HR Analyst by: GKHR4ME ( ) Interpreting assistance is available in multiple languages. hrsolutions@gkservices.com

2 G&K services WELCOME a message from john vegas, vice president, human resources: In August of this year, I was extremely fortunate to join this great company. Since then, I ve done a number of market visits and had the privilege to meet many wonderful G&K employees. I ve learned valuable lessons about our company s proud history, our culture and most importantly our team. We are a proud, determined and hard working group that cares for each other and finds a way to win. When asked what makes the company great, almost universally our teammates say our people. While I haven t been here long, it s clear to me that our employees are our most important asset. Our secret sauce is you. You do great things every day in support of our customers and each other. You live the core values, you deliver on our customer promise and you represent G&K with pride. As our most valued asset, your health and wellness is important to us. We ask that you take this open enrollment period to evaluate your current situation, discuss your goals with family members and make decisions to support your goals join a gym, quit tobacco use, family walks, etc The health and wellness decisions you make today will affect your lifestyle, quality of life and longevity. You owe it to yourself and your loved ones. Please let us know how we can help. Thanks for all you do for your customers and our G&K family! John Vegas a message from carita hibben, senior director, hr operations: It is hard to believe that another year has passed and Benefit Open Enrollment is upon us. During this time, I recommend that you review the benefits being offered by G&K Services and the plans you are enrolled in, to determine if you would like to make any changes. This enrollment guide will provide you with a high level overview of the wide array of benefits available to employees. There are a few key changes to our plans that I hope you will find as exciting as I do! Medical premiums have been consolidated from three contribution levels to one, thus simplifying this benefit and making it easier to understand. Families will no longer need to meet the full family out-of-pocket maximum if you cover dependents and are enrolled in the HSA3000 or HSA1500 Plan, additional details on the What s Changing in 2016? page. A change in our pharmacy vendor to Express Scripts will provide more options. The vacation policy has been revamped to provide you with more flexibility to use vacation as you earn it. We have also increased our levels to give you more time to spend with your family. Remember, you can also use open enrollment to change benefit coverage for your dependents your spouse or children who are covered by one of our benefit plans. If your family situation has changed due to your marital status or with the addition of a new child, you may wish to change the number of dependents who you enroll in a plan. It also might mean that the best benefit plan for you and your family might change. If you have questions about our benefits or about enrollment, please contact G&K HR Solutions at GK.HR4ME ( ) or hrsolutions@gkservices.com. I wish you and your family health and wellness in the coming year. Carita Hibben 2

3 2016 OPEN Enrollment Guide Open Enrollment Open Enrollment begins November 2nd and ends November 20th. The choices you make during This time will become effective January 1, During Open Enrollment, you can: Enroll in, change or cancel medical, dental, vision, or legal coverage Designate your contributions for your Dependent and/or Health Care Flexible Spending Account (FSA) Designate your Health Savings Account (HSA) contribution if you enroll in the HSA3000 or HSA1500 Plan Apply for or change supplemental life insurance Update beneficiaries for life insurance if you do not want to take any of these actions for 2016, you do not need to do anything unless: You want to contribute to an FSA for You will need to take action before Open Enrollment ends on November 20, As a reminder, your FSA elections do not carry over; you need to make a new election each year. You want to contribute to an HSA beginning with your first paycheck in See Special IRS rules. Special IRS Rules for Health Savings Accounts (HSAs): If you continue or enroll in the HSA3000 or HSA1500 medical plan for 2016, you may designate the dollar amount you want to contribute each week to a health savings account (HSA). Any amount that you currently contribute to an HSA will not continue in 2016 unless you make a new election for If you want to make contributions right away at the beginning of next year, you need to make an election during Open Enrollment. During 2016, you can stop or change your HSA contributions at any time. After Open Enrollment ends, you may request a change only if you have a qualifying life event that impacts your benefit needs, such as a change in marital status, birth of a child or a change in coverage through your spouse s work. Your request must be made within 30 days of the event and you must provide proof of the change. 3

4 G&K services What s Changing in 2016? Plan Contribution Rates Medical plan rates will be consolidated into one contribution level. Plan contribution rates for coverage are listed on page 7. HSA PLANS In 2016, the IRS will allow health savings account (HSA) contributions up to $3,350 per year for individual coverage or $6,750 if you are covering one or more family members. G&K contributions will be made on a weekly basis. Out-of-pocket(OOP) maximum Beginning January 1, 2016, you do not need to meet the full family out-of-pocket if you cover your dependents. Rather, if one member reaches the individual OOP for the plan, benefits for that individual s covered services will be paid at 100% for the remainder of the year. THE OOPs BY PLAN ARE: HSA1500 Only Level: $5,000 All other levels: $5,000 Individual, $10,000 Family HSA3000 Only Level: $5,000 All other levels: $6,850 Individual, $10,000 Family Prescription benefits Beginning January 1, 2016, G&K s prescription benefits will be managed by Express Scripts. If you enroll in any of G&K s medical plans, you will receive your new member Express Scripts ID card in your welcome package in late December (Please note that the member ID card will cover all your dependents. Separate ID cards for dependents will not be issued.) Beginning January 1, 2016, please show your new member ID card to your pharmacist when filling a prescription for yourself or a covered family member. You ll also be able to access your member ID card anytime from your Smartphone if you download the Express Scripts Mobile App. WITH Express scripts, you ll have access to: A large network of participating retail pharmacies. Helpful resources on the Express Scripts website, Express-Scripts.com/gkservices. Online resources will allow you to: Order prescription refills, renewals and check your order status Transfer retail prescriptions to Home Delivery for convenience and potential savings Enroll in Worry-Free Fills to conveniently receive Home Delivery medication automatically Discover possible ways to save money on medications, such as using generics and Home Delivery Receive time-sensitive medication-related alerts on your personalized pharmacy care profile Look up information about your medications and your prescription drug benefit Ask a pharmacist questions anytime, day or night View a financial summary of your prescription expenses, especially valuable at tax time Review your prescription history to share with your doctor 4

5 2016 OPEN Enrollment Guide How to Make Benefit Changes for 2016 Let s Get Started! 1. Sign on using your username (6-digit person number) and password. 2. Click the Navigator 3. Click on Benefits located under My Information. 4. To begin enrollment, click the button. 5. Verify the correct people are listed in the Contacts (Dependent, Beneficiary and/or Emergency Contact) page. (Anyone you wish to designate as a dependent or beneficiary during the enrollment process must be listed in this section.) Click if you need to add a new contact and use today s date as the effective date. *The relationship for all dependents must be listed as a Spouse or Child. 6. Click to go to the next step of enrollment. 7. A will appear, confirm that you have the necessary contacts created. If you have all necessary contacts click 8. To accept the Enrollment Authorization click 9. Begin the enrollment process by checking the box next to the plan you desire. to add a dependent to plans, first highlight the benefit plan row blue, then check the box next to the dependents listed at the bottom of the page. To add a beneficiary to life insurance, enter the allocation percentages for both the primary and contingent beneficiaries. 10. Click the button to continue through each benefit in the enrollment process. 11. Review your selections and press to complete the enrollment. 12. Print your confirmation page by clicking Benefit marked Suspended means additional information is required and is listed in the Pending Action Items section. 13. Review your Pending Action Items. If Dependent Certification is required, send documentation to hrsolutions@gkservices.com or Fax by November 25,

6 G&K services Dependent certification documentation Dependent certification documentation by November 25, 2015 You will have until November 25, 2015 to provide documentation verifying dependent eligibility if you were requested to do so during your enrollment. There are two ways to submit dependent eligibility documentation: 1. your documents to 2. Fax your documents to When sending dependent certification documents: Mark out Social Security numbers and confidential information List your name and 6-digit person number List your dependent(s) name and their relationship to you Newly enrolled dependents will not be covered in 2016 unless you provide requested documentation by November 25, 2015, and the dependents are approved. Dependent eligibility matrix When submitting dependent certification documentation, please ensure the following: Mark out confidential information such as financial data and social security numbers. If a document is two-sided or multiple pages, ensure you send all required pages of the document. Dependent Eligibility Requirements Acceptable Supporting Documents Your Spouse Legally married A copy of your most recently filed Federal income tax return listing your spouse and your marital status. The entire tax return is not required, only the page that lists filing status and exemptions. AND a copy of the following document: Valid legal or religious marriage certificate, which shows your date of marriage. Newlywed (Spouse) Legally married within less than one year A copy of your marriage certificate Newborn (Child) Newborn within 30 days A copy of the crib card or hospital documentation listing the employee as the parent Children to age 26 (Child) Grandchildren to age 26 (Child) Children age 26 and over (Child) Natural born dependent children Children of a legal same gender marriage, legally adopted children and children placed with you for legal adoption Step-children Dependent children for whom you or your spouse have been appointed legal guardian Children of the employee who are required to be covered by reason of a Qualified Medical Child Support Order (QMCSO) Grandchildren who live with you, are claimed as exemptions on your Federal income tax return and financially dependent upon you Disabled dependent children who became disabled prior to reaching the limiting age while covered under this plan: Primarily dependent upon you; and Are incapable of self-sustaining employment because of physical disability, developmental disability, mental illness or mental disorders Submit a copy of any one of the following documents: Your most recently filed Federal income tax return showing the child listed as your dependent (daughter, son or child). The entire tax return is not required, only the page that lists filing status and exemptions; or The child s legal or hospital birth certificate naming you, or your spouse as the child s parent; or A final court order (divorce decree/custody agreement) naming you, or your spouse as the child s parent. All documents must include the following information: names of the child and parent, official signature and/or court seal/stamp; or Legal adoption papers issued by the courts naming you, or your spouse as the adoptive parent. All documents must include the following information: names of the child and parent, official signature and/or court seal/stamp; or Legal guardianship papers issued by the courts naming you, or your spouse as the child s guardian. All documents must include the following information: names of the child and guardian, official signature and/or court seal/stamp; or A Qualified Medical Child Support Order (QMCSO) showing you are required to provide medical coverage for the child. Documentation must state your current employer s name and include the names of the child and parent. A copy of your most recently filed Federal income tax return showing the child listed as your dependent. The entire tax return is not required, only the page that lists filing status and exemptions. Newborn: Proof of relationship to grandchild and birth certificate or hospital documentation. Any one of the documents listed for Children to age 26. AND a copy of the following document: Physician statement certifying that the dependent child cannot support himself or herself because of a physical or mental disability prior to reaching the maximum age. All information must be pre-printed and dated within the last 12 months. 6

7 2016 OPEN Enrollment Guide 2016 PREMIUM RATES Your spouse to whom you are legally married is an eligible dependent. An eligible dependent child can be covered up to age 26 in the medical, dental, vision and life insurance plans. Weekly payroll deductions for medical, dental and vision coverage are made with pre-tax dollars. Weekly payroll deductions for supplemental life insurance and the legal plan are made with after-tax dollars medical weekly rates for coverage + Spouse + Child(ren) + Family HSA3000 $6.72 $20.52 $10.46 $23.57 HSA1500 $24.29 $57.24 $42.48 $72.08 MED750 $33.26 $78.24 $60.45 $ DENTAL weekly rates for coverage + Spouse + Child(ren) + Family Dental $4.65 $11.26 $12.02 $ VISION weekly rates for coverage + Spouse + Child(ren) + Family Vision $1.75 $3.08 $3.21 $ Supplemental life insurance weekly rates for coverage The cost per $1,000 of employee or spouse coverage is based on the employee s age at the beginning of the year in which the employee s age band changes: Under age 30 $ Age $ Age $ Age $ Age $ Age $ Age $ Age $ Age $ Age 70+ $ Weelky cost for $5,000 of child coverage regardless of the number of children: $ LEGAL WEEKLY RATE: $3.76 7

8 G&K services BENEFIT PLAN HIGHLIGHTS MEDICAL The following chart shows a side-by-side comparison of coverage for eligible in-network benefits PLAN DETAILS HSA3000 HSA1500 MED750 HSA Company Contribution $0 Individual/ $0 Family Individual: $7.69/week Family: $15.38/week Not Applicable Preventive CARE Plan pays 100% Annual deductable $3,000 Individual/ $1,500 Individual/ $750 Individual/ $6,000 Family 1 $3,000 Family 2 $1,500 Family 3 Office Visit Plan pays 80% after deductible You pay $35 Emergency room inpatient professional inpatient and outpatient hospital Plan pays 80% after deductible Plan pays 80% after deductible Plan pays 80% after deductible Retail drugs/ 30-day prescription Mail Drugs/ 90-Day prescription Plan pays 80% after deductible Plan pays 80% after deductible You pay 4 Generic: 20% of cost, with a minimum of $15 up to $30 max Preferred Brand: 25% of cost, with a minimum of $30 up to $60 max Non-Preferred: 30% of cost, with a minimum of $55 up to $110 max You pay 4 Generic: $30 Preferred Brand: $60 Non-Preferred: $110 Annual out-of-pocket limit (medial and pharmacy expenses) $5,000 Individual/ $10,000 Family 1 $3,500 Individual/ $7,000 Family 8 1 If you cover one or more family members under the HSA3000 plan, the entire family deductible must be satisfied before the plan begins to pay coinsurance for any covered individual. You do not need to meet the full family out-of-pocket ($10,000) if you cover your dependents. The maximum out-of-pocket for one family member is $6, If you cover one or more family members under the HSA1500 plan, the entire family deductible must be satisfied before the plan begins to pay coinsurance for any covered individual. You do not need to meet the full family out-of-pocket ($10,000) if you cover your dependents. The maximum out-of-pocket for one family member is $5, If you cover one or more family members under the MED750, the individual deductible and the out-ofpocket limit applies per person, up to the family deductible and out-of-pocket limit for all family members combined. 4 If you request a brand-name medication when a generic equivalent is available, you will pay the applicable copayment, plus the difference in cost between the brand and the generic. Blue Cross Blue Shield is the administrator. Visit for a list of in-network providers or via phone at

9 2016 OPEN Enrollment Guide $ HEALTHCARE SAVINGS ACCOUNTS (HSAs) Who can enroll Your contributions Contribution changes G&K contribution When to use your HSA How to use your HSA s who enroll in the HSA3000 plan or HSA1500 plan can establish an HSA. You cannot enroll in an HSA if you are covered under another medical plan (for example, if you enroll in MED750 or you have coverage through your spouse s plan with another employer, unless it is a qualifying highdeductible plan). You can t contribute to an HSA and a regular Health Care FSA at the same time. You may fund your HSA through automatic payroll deductions on a pre-tax basis. The maximum allowable annual HSA contributions for 2016 will be: $3,350 for individual coverage $6,750 for family coverage (you are covering one or more family members) The maximums include any company contribution and apply for each household. If you will be age 55 or older in 2016, you can contribute an additional annual catch-up contribution of up to $1,000. You can start, stop or change your contributions at any time. If you enroll in or continue the HSA1500 plan, G&K will make a weekly contribution of $7.69 if you have individual coverage or $15.38 if you cover yourself and at least one dependent. There is no HSA company contribution for the HSA3000. You may use your HSA to pay for qualified out-of-pocket health care costs incurred by you, your spouse and eligible dependents including prescription drugs, prescription eyeglasses, contact lenses and cleaning solution, hearing aids, and dental expenses such as orthodontia. When you enroll in an HSA, you will receive instructions about how to access and manage your account. You will also receive an HSA debit card to pay providers that accept VISA directly. Or reimburse yourself for qualified health care expenses. You don t have to submit receipts to validate that your expenses qualify for reimbursement/payment, but you will need to keep receipts in case the IRS ever audits you. How your HSA grows What happens if I leave G&K? The HSA is an interest-bearing account with interest credited monthly; the current interest rate is 0.25 to 1.25% depending on the account balance. Once your HSA balance reaches $1,000, you may invest any portion of your HSA balance over this level in select mutual funds. Should your account balance exceed $10,000, you may start a brokerage account and invest the balance as you please. The money in your HSA rolls over from year to year and the balance along with any investment income you earn is yours to keep, even if you stop making contributions. HSAs are portable, meaning even if you leave G&K, you always have 100% ownership and rights to your HSA balance, and its tax advantages will continue as long as it is used to pay for qualifying health care expenses. You can roll over any balance into an HSA with a bank or trust company if you wish. Any account fees will be your responsibility. SelectAccount is the administrator. For more information, visit their website at selectaccount.com or via phone at

10 G&K services DENTAL 2016 Plan Details Dental Annual Deductible Individual: $25, Single plus one: $50, Family: $75 Annual Maximum (per person in addition to orthodontia benefits) $1,500 Diagnostic and preventive services: Routine exams and cleanings, X-rays Plan pays100% Basic services: Pulling teeth, sealants, fillings, root canals Plan pays 80% after deductible Major restorative services: Crowns, inlays, dentures Plan pays 50% after deductible Orthodontia services Orthodontia lifetime maximum Plan pays 50% (no deductible) $1,500 Delta Dental is the administrator. Visit deltadentalmn.org for a list of in-network providers or contact them via phone at VISION 2016 Plan Details In-Network Vision Exam, once every 12 months You pay $10 Single, bifocal or trifocal lens once every 12 months You pay $25 Elective contacts, once every 12 months $100 after copay for up to 6 boxes or a $150 allowance on lenses (in lieu of eye glasses) Frame allowance, every 24 months $150 Other information Polycarbonate, standard scratch-resistant coating, tints, UV coating fully covered; additional lens options (transitions, etc.) and laser vision care discounted UHC Vision is the administrator. To find an in-network provider, log in to myuhcvision.com or contact them via phone at

11 2016 OPEN Enrollment Guide $ FLEXIBLE SPENDING ACCOUNTS (FSAs) FSAs allow you to contribute pre-tax dollars to an account to pay eligible expenses incurred in the same year Plan Details Health Care FSA Dependent Care FSA Eligibility Contributions Your contributions will be deducted in equal installments from your paycheck on a pre-tax basis. For coverage effective January 1, 2016, contributions will be over 52 weeks. Eligible expenses s who do not enroll in any G&K medical plan or employees who enroll in the MED750 plan You make one election Minimum: $50 per year Maximum: $2,500 per year Out-of-pocket medical, vision and dental expenses incurred by you, your spouse and eligible dependents. These expenses include: eye exams, prescription eye glasses, contact lenses, contact solution, certain dental expenses and prescriptions drugs. Benefit-eligible employees You make one election Minimum: $50 per year Maximum: $2,500 per year if you and spouse file separate tax returns Maximum: $5,000 per household, per year if you are single or if you and your spouse file a joint tax return IRS regulations may require G&K to reduce highly compensated employees contributions. Childcare for children up to age 13 or eldercare incurred so you and your spouse can work, including licensed nursery school or daycare and care for elderly or disabled adult members of your household. When you initially enroll in an FSA, you will receive instructions about how to access and manage your account. In accordance with IRS regulations, you may use your FSA for qualified expenses incurred while you are covered under the plan, and you must keep and submit receipts to validate that your expenses qualify for reimbursement/payment. Qualified expenses must be submitted for reimbursement by March 31 of the following year. You need to estimate your expenses carefully. IRS regulations do not allow the company to return any unused contribution to you ( use it or lose it provision). WageWorks is the administrator. Visit their website at or via phone at for more information. 11

12 G&K services Life Insurance Basic life Insurance is provided at no cost to you at the rate of one times your annual base pay, up to a maximum of $200,000. G&K also provides you with free accidental death and dismemberment (AD&D) insurance in the same amount. Supplemental life insurance is available in the following increments: coverage: In $10,000 increments, up to a maximum of $500,000 Spouse coverage: In $10,000 increments, up to a maximum of $100,000 Child coverage: $5,000 for each of your children Legal Plan During Open Enrollment, you can enroll in the Legal Plan for access to attorneys, financial counselors and other resources, on matters such as: Wills and estate planning Family law Consumer protection issues Civil damage claims General matters Visit ARAGLegalCenter.com and Access Code 16221gks for more information. 401(k) Plan: 4% on 5%! You are eligible for the company match after one year of service with G&K. The company matching contribution is 4% of pay on your contributions of 5% of pay. For an employee earning $10/hour, this would be a company match of $832 (and employee contributions of $1,040) over a year. Wells Fargo is the administrator. To enroll, visit wellsfargo.com or call Stock Purchase Plan (ESPP) The G&K ESPP plan is an easy way to purchase G&K stock. You do not have to go through a broker or write a check to buy stock. The plan administrator makes it simple by automatically handling your contribution and purchasing your stock each month. When you purchase stock, you pay no broker commissions or transaction fees. To find out more, call GK.SERV or log on to Tuition Reimbursement The tuition reimbursement program is provided to encourage and support your individual development plan. Your direct supervisor must approve each course or degree program in advance. You can receive 100% tuition reimbursement, up to $3,500 a year. For more information call GK.HR4ME ( ). GKextras Looking for a deal? Think about GK extras, where you can shop for and purchase discounted consumer goods and services at special group rates. You will find the information you need at beneplace.com/gkservices. EMPLOYEE ASSISTANCE PROGRAM Our EAP provides free confidential counseling for you and your family, financial information and resources, legal support and resources, and work-life solutions. Call Compsych at or visit guidanceresources.com (company code GKS106). This booklet gives you information about the 2016 benefit choices you will have during Open Enrollment. You are eligible for the benefits that are described in this booklet if you are an active, full-time employee of G&K Services who is regularly scheduled to work 30 hours or more per week. These benefits do not apply to employees who are covered by a collective bargaining agreement that does not include G&K standard benefits. The information in this booklet provides only plan summaries. Review the Summary Plan Descriptions at for plan details. All benefits, rights and obligations are governed by the applicable plan documents and/or insurance contracts. If there is any difference between the information in this brochure and the applicable plan documents, the plan documents will prevail. 12