Flex Represented Frequently Asked Questions (FAQ) During Work Stoppage
|
|
- Aldous Fields
- 6 years ago
- Views:
Transcription
1 Flex Represented Frequently Asked Questions (FAQ) During Work Stoppage Health and Welfare Benefits Your Health and Welfare Benefit Plans require that you be actively working in order for coverage to continue. When you participate in a work stoppage, you are no longer considered actively working, which can result in a loss of coverage. This loss of coverage extends to any dependents also covered under the plans. In the event a loss of coverage occurs, you may be able to temporarily continue certain benefits (medical (includes prescription drug coverage), dental and vision as well as the Health Care Flexible Spending Account (FSA)) under the federal law Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA allows employees who experience a qualifying event (like a work stoppage) that triggers a loss of coverage the opportunity to continue their health and welfare coverage at the employee s sole cost, usually at the rate of 102% of the cost of benefits for up to 18 months. This means that COBRA coverage is only available for the eligible benefit plans in which you are participating prior to the work stoppage. For purposes of COBRA, you will lose coverage at midnight effective on the last day you are actively at work. For example, if the first day you participate in a work stoppage is May 9, 2016, your last day of active work, and your last day of coverage under any Valero benefit plan would be May 8, Upon a loss of coverage, you will be sent, via U.S. mail, an information package for your review, and forms for you to complete in the event you elect to continue your medical, dental, vision benefits and/or Health Care FSA for yourself and/or your dependent(s). If you elect to continue coverage under COBRA, you will be required to make all payments as set forth in the informational packet you receive. For purposes of convenience, we are providing, via the following link, the monthly COBRA rates for the various benefit plans: 2016 COBRA Rates. If you choose not to continue benefits coverage under COBRA, your coverage will end as of midnight effective on the last day you are actively at work. Contact Information: We have attempted to answer as many questions as possible below. In the event you have additional questions, or require clarification on the answers provided, refer to the contact list at the end of this document. ERISA Rights: Regardless of your participation in the work stoppage, you continue to have ERISA rights as a Participant under any of the applicable plans described below. A summary of these rights can be found in the Employee Benefits Handbook available online. If you need a hard copy, please contact the Valero Health & Welfare Benefits Department. Flex Represented FAQ 1
2 Health and Welfare Benefits Coverage Q. Which benefits will be affected by my participation in a work stoppage? A. Your participation and coverage, and any dependent s participation and coverage, will be affected if you participate in a work stoppage. Employees are allowed to elect the following types of coverage as employee-paid benefits: Medical Coverage (Includes Prescription Drug Coverage) Dental Coverage Vision Coverage Critical Illness Coverage Legal Plan Coverage Health Care FSA Dependent Care FSA Supplemental Term Life Insurance Accidental Death & Dismemberment (AD&D) Insurance Dependent Life Insurance Survivor Income Benefit The following benefits are provided to employees at no cost and no election is required by the employee: Basic Life Insurance Company-paid Death Benefit Occupational AD&D Insurance Business Travel Accident Insurance Short-term Disability Long-term Disability All of the above benefits could be affected if you participate in a work stoppage. Q. What will happen to my coverage in the Health and Welfare Benefits if I participate in a work stoppage? A. It depends upon the plans in which you are currently enrolled. Most of the plans listed above require that you be actively working in order to continue coverage under the plan. If you choose to participate in the work stoppage, you are no longer considered to be actively working, which would trigger a loss of coverage for both you and any of your dependents covered under the respective plans. Flex Represented FAQ 2
3 The following describes what will happen to each of the above listed benefits should you participate in the work stoppage: Medical Coverage (Includes Prescription Drug Coverage): Coverage would end at midnight of the last day you are actively working for Valero. Your prescription coverage will end on the same date that your medical coverage ends. Dental Coverage: Coverage would end at midnight of the last day you are actively working for Valero. Vision Coverage: Coverage would end at midnight of the last day you are actively working for Valero. Critical Illness Coverage: Coverage would end at midnight of the last day you are actively working for Valero. If you were enrolled for this coverage during active employment, Aflac will mail you information regarding continuing coverage. Legal Plan Coverage: Coverage would end at midnight of the last day you are actively working for Valero. You may be able to convert to an individual plan. For information on conversion, contact ARAG directly at (800) Health Care FSA: If you elect continuation of your Health Care FSA under COBRA, you must elect the same amount you pledged as an active at work employee, and contribute to your Health Care FSA on an after tax-basis to be reimbursed for eligible health care expenses. If, however, you do not elect to continue your Health Care FSA under COBRA, you will be able to be reimbursed for eligible health care expenses only up to the amount in your account on the last day you are actively working for Valero and only if the expenses are incurred before the work stoppage begins. Expenses incurred while on a work stoppage are not eligible for reimbursement. Once on a work stoppage, you will not be receiving a paycheck. Therefore, no additional monies will be going to your Health Care FSA. Once your Health Care FSA is depleted, no further eligible expenses will be reimbursed. Dependent Care FSA: You will not be eligible to continue to receive reimbursements for any dependent care expenses once you are on a work stoppage. Per the Internal Revenue Code, a Dependent Care FSA is generally only available when both parents (or if a single parent, the one parent) are working. Supplemental Term Life Insurance: Coverage would end at midnight of the last day you are actively working for Valero. You may be able to convert this benefit to an individual policy. For information on conversion, contact MetLife at (888) Flex Represented FAQ 3
4 AD&D Insurance: Coverage would end at midnight of the last day you are actively working for Valero. You may be able to convert this benefit to an individual policy. For information on conversion, contact Chubb at (877) Dependent Life Insurance: Coverage would end at midnight of the last day you are actively working for Valero. You may be able to convert this benefit to an individual policy. For information on conversion, contact MetLife at (888) Survivor Income Benefit: Coverage would end at midnight of the last day you are actively working for Valero. You may be able to convert this benefit to an individual policy. For information on conversion, contact MetLife at (888) Basic Life Insurance: Coverage would end at midnight of the last day you are actively working for Valero. You may be able to convert the $5,000 benefit to an individual policy. For information on conversion, contact MetLife at (888) Company-paid Death Benefit: Coverage would end at midnight of the last day you are actively working for Valero. Occupational AD&D Insurance: This policy is only triggered when an accidental death or dismemberment occurs while performing work for Valero. Since you are not performing any work for Valero during a work stoppage, no such benefit would be payable from this policy in the event of accidental death or dismemberment. Business Travel Accident Insurance: This policy is only triggered when an employee dies or suffers a covered loss as the result of an accident while traveling on certain types of Company business. Since you are not performing any work for Valero during a work stoppage, no such benefit would be payable from this policy in the event of accidental death or dismemberment. For information regarding Short-term Disability and Long-term Disability during a work stoppage, refer to the section in this FAQ titled Short-term and Long-term Disability. Q. Is there any way I can continue my, or my dependent s, Health and Welfare Benefits? A. If the benefit plan is subject to COBRA continuation (medical (includes prescription drug coverage), dental and vision collectively Health Care and Health Care FSA), once you experience a loss of coverage as described above, Valero will send to you, via U.S. mail, a packet of information describing your, and your dependent s, options regarding your Health and Welfare Benefit coverage. This information will include how to continue coverage for you and/or your dependents through COBRA. You will have a period of time within which to send in your COBRA continuation election. If you elect coverage, it will be made effective retroactive to the first day you lost coverage. It is very important for you to timely elect to continue COBRA coverage or you will waive your right to continue coverage under the Valero plans. Flex Represented FAQ 4
5 If the benefit plan is not subject to COBRA (Dependent Care FSA, Critical Illness, all life insurance plans, all AD&D plans), and the plan offers to individual participants a conversion option for the policy, you may be able to obtain an individual policy at your sole expense. Q. Will I continue to have the same Health Care coverage while on COBRA? A. If you elect to continue coverage(s) through COBRA, you may continue to have the same medical (includes prescription drug coverage), dental, and vision plan coverage as well as Health Care FSA, in which you were enrolled immediately prior to a work stoppage. Q. Do I get new ID cards under COBRA? A. If you elect medical and/or dental coverage under COBRA, you will receive a new Aetna ID card but you will not receive a new Express Scripts prescription ID card. Q. Will I receive a bill for my monthly COBRA premiums and when will these premiums be due? A. You will receive a COBRA initial notice and election form in the U.S. mail from WageWorks, Valero s third-party COBRA administrator, informing you of your premium rate and when it is due. Your premiums are due the first day of the month. Once WageWorks receives your enrollment form, they will mail you a payment coupon book. You will not receive any reminders after this. It is your responsibility to remit your payments in a timely manner. Your health care coverage under COBRA will terminate if payments are not received on time. You will receive a notice in the mail informing you that if your payment is not received, your coverage will be terminated. If you allow your health care coverage to lapse due to non-payment, you will not be able to reinstate your health care coverage under COBRA, even if you have additional time remaining under COBRA coverage. For example, if you are entitled to 18 months of COBRA continuation and you fail to make your payment after the 10 th month, causing a cancellation of the health care benefits, you cannot then reinstate your COBRA benefits in any of the eight remaining months. Q. If I have dependents covered through Valero s Health and Welfare Benefits, and participate in a work stoppage, will their coverage end too? If so, when will their coverage end? A. Your dependent s coverage in any of the above listed plans is tied to your coverage in the plans. Therefore, if you participate in a work stoppage and lose your coverage, your dependent(s) will lose their coverage too. Their loss of coverage will occur at the same time you lose coverage. Q. What if I, or one of my dependents, need to see a doctor, have a medical emergency or need a prescription? A. The answer to this question depends on whether you have timely elected to continue your medical coverage (or your dependent s medical coverage) under COBRA. If you elect COBRA, and make the monthly premium payments required, you can continue to use that plan s benefits. Flex Represented FAQ 5
6 If you have elected not to continue coverage under COBRA, failed to make a timely COBRA election, or failed to pay the required premium to continue coverage under COBRA, you (and your dependent(s)) will no longer have any Valero medical coverage. You would be solely responsible for all medical and pharmacy charges. Q. What if I, or one of my dependents, have a procedure or surgery already scheduled during the work stoppage? A. The answer to this question depends on whether you elect to continue your medical coverage under COBRA. If you elect COBRA and make the monthly premium payments required, you or your dependent can have the procedure or surgery as scheduled. If, however, you have not continued coverage under COBRA, your coverage is terminated and you will be solely responsible for payment of all services, charges and fees. Q. What if I do not continue coverage under COBRA but the medical, dental, or vision care provider or the pharmacy accepts my insurance card? A. Once a loss of coverage occurs, Valero will notify the appropriate insurance carriers for your benefit plans. While providers may initially accept your insurance card after you have lost coverage, Valero may request reimbursement from you for any paid benefits you or your dependents receive. Again, any health care costs or fees incurred after a loss of coverage will be your sole financial responsibility. Q. If I am, or my spouse is, expecting to have a baby during the work stoppage, what will happen? A. The answer to this question depends on whether or not you elect to continue your medical coverage under COBRA. If you elect COBRA and make the monthly premium payments required, the baby can be added as long as you timely notify the Valero Health & Welfare Benefits Department. Remember that when you elect COBRA, you are solely responsible for the premium payments. Adding a child to your coverage may cause an increase in your monthly premium amounts. For instance, if your coverage is for you and your spouse and this is your first child, you may change your policy to have family coverage which will be at a higher premium cost to you. If no COBRA coverage is elected, all health care costs and fees associated with the delivery of the baby and care of the baby will be your sole financial responsibility. Q. If I do not elect COBRA to continue my Aetna medical coverage, and have a mail order prescription shipment due to ship, will I still get my medication? A. Possibly. If the prescription was processed prior to your loss of coverage, you will receive your shipment. If the fill date falls after your loss of coverage date, you will be solely responsible for reimbursing Valero for any amounts paid after you experienced your loss of coverage. Flex Represented FAQ 6
7 Q. If I elect to continue my Aetna medical coverage under COBRA, do I have to get new prescriptions, Prior Authorizations, or approvals for my existing Step Therapy drugs? A. A new prescription will not be necessary if refills remain on a current prescription. A new Prior Authorization or approval for existing Step Therapy drugs will not be necessary. Prescription, Prior Authorization and Step Therapy history will automatically be transferred to the new COBRA policy. Q. If I choose not to elect COBRA or if I miss the election deadline for COBRA, what other health plan options are available to me and my dependents? Employees and their dependents may elect to shop for private health insurance coverage through the Health Insurance Marketplace. For information regarding the Health Insurance Marketplace, or to enroll in private health insurance coverage through the Marketplace, visit Q. While I am on a work stoppage, do I still provide documentation for a qualified change event? A. It is the employee s responsibility to notify the Valero Health & Welfare Benefits Department of a qualified change event in writing within 30 days of the qualified change event. Qualified change events include, but are not limited to the following: Marriage Birth, adoption or placement for adoption of a dependent child, placement in foster care or legal guardianship, Divorce, legal separation or annulment, dissolution of a Common Law Marriage or Domestic Partner Relationship, Death of a dependent, A change in a dependent s employment status resulting in a loss or gain of coverage, A QMCSO (or similar judgment or decree that affects the health care coverage of the employee, the employee s spouse or the employee s dependent), or A dependent no longer meeting eligibility requirements. Qualified change events are more fully described in your Employee Benefits Handbook. You are not required to provide Valero notice of these events unless you have elected COBRA coverage. If you have elected to convert to an individual policy (if available), you may also have an obligation to provide this information to your individual policy carrier(s). Flex Represented FAQ 7
8 Q. While I am on a work stoppage, may I make changes to my Beneficiary Designation form? A. You may change your beneficiary at any time for a benefit plan that is still available to you by submitting the proper documentation to the Valero Health & Welfare Benefits Department and/or the carrier if a conversion policy exists. Q. What happens when the work stoppage is over? Will my benefits be reinstated or do I have to start over? A. This will depend on the terms of the specific benefit plans and any terms negotiated between Valero and your union representatives. Even if you are able to have your benefits reinstated, whether they can be reinstated retroactively will depend on the terms of the benefit plan. This may mean that health and welfare costs you incurred during the work stoppage may not be able to be reimbursed. The terms of these plans may also identify whether you will have to satisfy a new waiting period or other requirements before you (and by extension, your dependent(s)) become covered under the plan(s) again. Q. What happens to my Health and Welfare Benefits if I retire during the work stoppage? A. Please refer to the section in this document titled Retirement. Retirement Retirement during a work stoppage will not only affect your Health and Welfare Benefits, but will also affect your Financial Benefits. Please also refer to the section in this document titled Financial Benefits - Retirement Plans. Q. Will I be able to retire during the work stoppage? A. Yes. In order to retire under the Normal Retirement Age provisions, you must meet the minimum requirements. Employees must be at least age 55 with a minimum of five years of service. As a retiree, you may elect medical (includes prescription drug coverage), dental and/or vision coverage. You must submit Retiree Health Care Plan election forms no later than 30 days from the date on the enrollment kit or 30 days from the date retiree health care coverage would begin. If you waive your retiree health care coverage, you will not be eligible for retiree health coverage in the future. You may waive retiree health coverage and be eligible for COBRA. Short-term and Long-term Disability Q. If I am on an approved Short-term Disability (STD) on the day a work stoppage begins, would I still be eligible to continue to receive STD benefit payments? A. Yes, provided you remain unable to perform your normal job duties and you continue to meet all the provisions under the STD Plan. Flex Represented FAQ 8
9 Q. If I am on an approved Long-term Disability (LTD) on the day a work stoppage begins, would I still be eligible to continue receive LTD benefit payments? A. Yes, provided you remain unable to perform your normal job duties and you continue to meet all the provisions under the LTD Plan. Q. If I am on an approved STD leave at the time of a work stoppage and am released to return to work during the work stoppage, what happens? A. Once you are released to return to work, your STD benefits for that disability will end. If you choose to return to work (active employment) your STD coverage will continue. If you choose to participate in the work stoppage, your STD coverage will end. Q. If I were to become ill or injured while participating in a work stoppage, would I be eligible for STD benefit payments? A. No. While participating in a work stoppage, you are no longer an active employee and therefore ineligible for STD benefits. Q. If I were to become ill or injured while participating in a work stoppage, would I be eligible for Long-term Disability benefit payments? A. No. While participating in a work stoppage, you are no longer an active employee and therefore ineligible for benefits. You would not be eligible for LTD benefits if your illness or injury occurred during the work stoppage, even if the work stoppage ends while you are still disabled. Additionally, any time spent during the time you are on a work stoppage will not count towards the required elimination period to trigger LTD benefits. Financial Benefits - Retirement Plans Unlike the Health and Welfare Benefits, the applicable retirement plans do not have active at work provisions that would require Valero to immediately stop benefits under these plans. However, if you do participate in a work stoppage and are no longer receiving a paycheck, it will impact your ability to make contributions and receive employer matching contributions to the Thrift Plan (see 401(k) - Valero Thrift Plan) and may impact your benefits in the Pension Plan (see Valero Pension Plan). Even though benefits will not immediately stop upon a work stoppage, in the unlikely event the work stoppage continues for one year, this may be considered a Break in Service that would stop vesting under each of the retirement plans described in this section. Contact Information: We have attempted to answer as many questions as possible. In the event you have additional questions, or require clarification on the answers provided, you may contact either of the following: Valero Financial Benefits Department at (800) o 401(k) Department, extension 4808 o Pension Department, extension 4844 Flex Represented FAQ 9
10 Merrill Lynch (877) or online at Customer Service Representatives are available between the hours of 7:00 am to 6:00 pm CST or you can obtain information through the automated line 24 hours/day with your personal password. 401(k) Valero Thrift Plan Q. Will I be able to make employee contributions to the Thrift Plan? A. No. Employee contributions, including pre-tax, after-tax and Roth 401(k) contributions, are made through payroll deduction. Since you will not receive a payroll check during a work stoppage, no employee contributions listed above can be made Q. Will I continue to receive Employer matching contributions to the Thrift Plan? A. No. Employer matching contributions can only be made to match employee contributions. As indicated above, since you will not be able to make employee contributions to the Thrift Plan, you will not be able to receive an Employer matching contribution. Q. Will I continue to receive vesting credit for my Employer Match while on a work stoppage? A. You will continue to receive vesting credit as long as the work stoppage period does not exceed more than 12 consecutive months. Once you are not actively at work for a period of 12 consecutive months, a Break in Service occurs and your vesting credit will stop as of that date. Q. What will happen to my existing loan payments and the balance? A. You will still need to make loan payments. Participating in a work stoppage will not relieve you of or reduce this obligation. You can continue to make existing loan payments by setting up Automatic Clearing House (ACH) payments from your personal checking/savings account. You may contact Merrill Lynch at (877) or online at to assist you with this process. Q. Will I be able to take out a loan during the period that I participate in a work stoppage? A. As long as you meet all the requirements under the Thrift Plan, you may be able to take out a loan even when you are participating in a work stoppage. However, you will be required to set up ACH loan payments as indicated above. Q. Will I be able to request a Hardship Withdrawal? A. Like the loan request described above, if you meet all the requirements under the Thrift Plan for a qualified event, then you may take a Hardship Withdrawal. Contact Valero s Financial Benefits Department at (800) extension 4808 to assist you with this process. Flex Represented FAQ 10
11 Q. Can I make investment changes to my Thrift account during this time? A. Yes. The fact that you participate in a work stoppage will not affect your ability to add, delete or make other investment changes to your core or self directed accounts under the Thrift Plan. You would follow the same process you have in the past by going online to or contact Merrill Lynch at (877) Q. Can I change my beneficiary(ies) while on a work stoppage? A. Yes. You are encouraged to review and, if necessary, update your beneficiary designation(s) on a regular basis. At a minimum, you should review this designation upon a divorce or marriage. If you choose to change your beneficiary during the time you are on a work stoppage, you should follow the current process and contact Valero s Health & Welfare Benefits Department at (800) extension 4000 to request a Valero Energy Corporation Beneficiary Designation Form. If you do not have a beneficiary form on file with Valero when you pass away, the distribution will be made in accordance with the Thrift Plan document. Q. Will I be able to view my account balance? A. Yes. You will still have the same access to your account information as before the work stoppage. You can contact Merrill Lynch at (877) or online at Q. What will happen if I am not vested as of the time of the work stoppage? A. You will continue to accrue vesting service while out on the work stoppage as long as the work stoppage does not exceed 12 consecutive months. Q. What happens if I get divorced and become subject to a Domestic Relations Order? A. Just as you would at any other time, you are required to submit any domestic relations order to the Thrift Plan for determination of whether it constitutes a Qualified Domestic Relations Order (QDRO) under the Internal Revenue Code. If it is a QDRO, the assets of your Thrift Plan account will be subject to segregation in accordance with the terms of the QDRO and the Thrift Plan. Valero Pension Plan Q. Will my participation in the work stoppage affect my pension benefit? A. You will continue to accrue vesting service while out on a work stoppage until the work stoppage exceeds 12 consecutive months. Once you have not been actively at work for a 12 consecutive month period, it is considered a Break in Service and any time after that 12 consecutive month period will not be counted toward vesting service. Q. Will I be able to obtain information on my pension benefit? A. Yes. You will still have the same access to your account information as before the work stoppage. You can run estimates by logging on to Your Pension Resources at from any computer with Internet access. If you have questions about your pension benefit or problems with Your Pension Resources Flex Represented FAQ 11
12 website, click on the Contact Us link on the site or call Valero s Financial Benefits Department at (800) extension Q. What will happen if I am not vested as of the time of the work stoppage? A. You will continue to accrue vesting service as long as the work stoppage does not exceed 12 consecutive months. Once you have not been actively at work for a 12 consecutive month period, it is considered a Break in Service and any time after that 12 consecutive month period will not be counted toward vesting service. If you have not met the three year minimum requirement for vesting prior to the work stoppage but meet the requirement during the work stoppage, you will become vested. Q. Will I continue to receive pay credits? A. No. If you are participating in the work stoppage, you will not be receiving any eligible compensation that would otherwise be used to determine any pay credit. Q. Can I take a partial or full distribution from the Pension Plan while on a work stoppage? A. Unless you retire or terminate, you will not be able to take any distribution. However, in the event a Break in Service occurs, a distribution event may be triggered. Q. Can I take a Hardship Withdrawal or a Loan from the Pension Plan? A. No. Hardship Withdrawals and Loans are not available under the Pension Plan. Q. Can I change my beneficiary(ies) while on a work stoppage? A. Yes. You are encouraged to review and, if necessary, update your beneficiary designation(s) on a regular basis. At a minimum, you should review this designation upon a divorce or marriage. This is especially important under the Pension Plan as current spouses have a right to the Qualified Joint and Survivor Annuity and must affirmatively waive their rights to this benefit. If you choose to change your beneficiary during the time you are on a work stoppage, you should follow the current process and contact Valero s Health & Welfare Benefits Department at (800) extension 4000 to request a Valero Energy Corporation Beneficiary Designation Form. If you do not have a beneficiary form on file with Valero when you pass away, the distribution will be made in accordance with the Pension Plan document. Q. What happens if I get divorced and become subject to a Domestic Relations Order? A. Just as you would at any other time, you are required to submit any domestic relations order to the Pension Plan for determination of whether it constitutes a Qualified Domestic Relations Order (QDRO) under the Internal Revenue Code. If it is a QDRO, your accrued Pension Plan benefit will be subject to segregation in accordance with the terms of the QDRO and the Pension Plan. Flex Represented FAQ 12
13 Contact List Benefit Contact Information Aetna Medical $1,000 Deductible Plan Aetna PPO Plan Aetna Out-of-Area Plan Aetna Valero Health & Welfare Benefits Prescription Coverage Express Scripts Valero Health & Welfare Benefits Aetna Dental Deductible Plans Aetna Valero Health & Welfare Benefits Vision Plans VSP UnitedHealthcare (800) (800) extension 4000 (800) (800) extension 4000 (800) (800) extension 4000 (800) (800) Critical Illness Plan Aflac (866) Legal Plan ARAG (800) Life Insurance Survivor Income Benefit MetLife (888) Accidental Death & Dismemberment Plan Occupational Accidental Death & Dismemberment Chubb (877) Flexible Spending Accounts PayFlex (888) (800) extension 4000 Valero Health & Welfare Benefits Leaves of Absence Valero Leave & Disability Administration (888) Health Care Coverage Continuation (COBRA, HIPAA) WageWorks (877) Financial Benefits 401(k) Department Pension Department (800) extension 4808 extension 4844 Merrill Lynch (877) Valero Retiree Health Care Plan Administration AmWINS (877) Flex Represented FAQ 13
14 Benefit Contact Information Retiree Life Insurance Plans Valero Retiree Administration (800) extension 2933 All Other Benefit Questions Valero Health & Welfare Benefits (800) extension 4000 Flex Represented FAQ 14
INTRODUCTION 1 PLAN ADMINISTRATION 4
RE T I RE EBE NE F I T SHANDBOOK INTRODUCTION 1 NON-MEDICARE ELIGIBLE BENEFITS 1 MEDICARE ELIGIBLE BENEFITS 2 PLAN ADMINISTRATION 4 ELIGIBILITY 4 MEDICARE ELIGIBILITY AND THE VALERO RETIREE HEALTH CARE
More informationAbout Your Benefits 1
About Your Benefits 1 BENEFIT HIGHLIGHTS Your Benefits. Provide Immediate Eligibility for You and Your Family As a Full-time or Part-time Employee, you are eligible for coverage under most benefits on
More information2016 TO 2017 RETIREE HEALTH & WELFARE BENEFITS HANDBOOK SUMMARY OF MATERIAL MODIFICATION
2016 TO 2017 RETIREE HEALTH & WELFARE BENEFITS HANDBOOK SUMMARY OF MATERIAL MODIFICATION The following is a brief description of the benefit changes effective January 1, 2017. These changes were previously
More informationBenefit What you need to know What you need to review and/or decide How to take action
retirement checklist Thinking about retirement? Retirement is a major milestone worth celebrating. You ve dedicated your time to Ford and played a big part in its success. In turn, Ford offers a variety
More informationINTRODUCTION 1 PLAN ADMINISTRATION 3
INTRODUCTION 1 PLAN ADMINISTRATION 3 ELIGIBILITY 3 ELIGIBLE DEPENDENTS 3 ELECTIONS AND ENROLLMENT PERIODS 5 COVERAGE OPTIONS 6 HEALTH CARE PREMIUMS 7 ID CARDS 7 WHEN HEALTH CARE COVERAGE ENDS 8 CONTINUING
More informationHandbook. TreeHouse Foods, Inc. Health and Welfare Benefits Plan. Non-union Employees. Effective January 1, 2017
Handbook TreeHouse Foods, Inc. Health and Welfare Benefits Plan Non-union Employees Effective January 1, 2017 This document, together with each of the benefits booklets and insurance contracts of coverage,
More information2019 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS
2019 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS Updated 10/19/2018 Open Enrollment... 3 ELIGIBILITY... 5 Dependent Eligibility... 5 Part-Time Eligibility... 6 Medical... 6 Savings & Spending Accounts...
More informationBenefits Highlights. Table of Contents
I. Benefits Highlights Table of Contents Inside This Document...1 Participating Employers...2 An Overview of the Benefits Program...3 Benefits-at-a-Glance...5 Eligibility...7 Eligible s...8 If You and
More informationSummary Plan Description for Zimmer Biomet Health and Welfare Benefits Administration (For non-bargaining Team Members in the United States)
Summary Plan Description for Zimmer Biomet Health and Welfare Benefits Administration (For non-bargaining Team Members in the United States) November 2016 Table of Contents INTRODUCTION... 1 SPANISH LANGUAGE
More informationPLAN DOCUMENT AND SUMMARY PLAN DESCRIPTION FOR NORTHWEST LABORERS EMPLOYERS HEALTH & SECURITY TRUST FUND REVISED EDITION APRIL 2010
PLAN DOCUMENT AND SUMMARY PLAN DESCRIPTION FOR NORTHWEST LABORERS EMPLOYERS HEALTH & SECURITY TRUST FUND REVISED EDITION APRIL 2010 1 NORTHWEST LABORERS-EMPLOYERS HEALTH & SECURITY TRUST FUND INTRODUCTION
More informationBENEFITS FREQUENTLY ASKED QUESTIONS NEW YORK DAILY NEWS
2017-2018 BENEFITS FREQUENTLY ASKED QUESTIONS NEW YORK DAILY NEWS Table of Contents BENEFIT ENROLLMENT... 3 DEPENDENT ELIGIBILITY... 4 MEDICAL AND PRESCRIPTION DRUG INFORMATION... 5 SAVINGS, SPENDING AND
More informationOverview Revised as of January 1, 2013
Overview Revised as of January 1, 2013 Table of Contents About This Handbook... 4 An Overview of Your Benefits... 6 Fast Facts: Welfare Plans... 6 Quick Reference: Managing Your Benefits Enrollment...
More informationParticipating in the Plan
This section provides an overview for participating in the Plan offered to eligible Bosch associates, such as elected and nonelected benefits, who is eligible, enrolling for benefits and when coverage
More informationSprint Flex Plans Life Events Section
Sprint Flex Plans Life Events Section What is Inside Sprint Flex Plans... 3 General Rule... 3 Process and Deadlines... 4 Effectiveness of Changes... 5 Enrollment/Election Change Appeals... 7 Index of Life
More informationHealthcare Participation Section MMC Draft NA
March 17, 2009 Healthcare Participation Section MMC Draft NA Note to Reviewers: No notes at this time Date May 1, 2009 Participating in Healthcare Benefits MMC Participating in Healthcare Benefits This
More informationEatonBenefits.com. Summary Plan Description Effective January 1, 2018
EatonBenefits.com Summary Plan Description Effective January 1, 2018 EATON EMPLOYEE BENEFIT PLANS OVERVIEW This Summary Plan Description (SPD) summarizes the main features of the Eaton health care and
More informationThe George Washington University Health and Welfare Benefit Plan for Retired Employees
The George Washington University Health and Welfare Benefit Plan for Retired Employees Plan and Summary Plan Description Effective as of January 1, 2017 TABLE OF CONTENTS INTRODUCTION TO YOUR BENEFITS...
More informationTable of Contents Section 2: General Information
Table of Contents Section 2: General Information INTRODUCTION... 2.1 WHEN YOU NEED INFORMATION... 2.2 ELIGIBILITY... 2.3 Benefit-Based Employees... 2.3 Non-Benefit-Based Employees... 2.4 Affiliate Organizations...
More informationWelcome to the School District of Philadelphia
Welcome to the School District of Philadelphia Benefits and Retirement Overview* For PHILADELPHIA FEDERATION OF TEACHERS (PFT) EMPLOYEES Inside you will find a summary overview of the benefits for which
More informationTermination Allowance Plan ( TAP ) Questions and Answers
Termination Allowance Plan ( TAP ) Questions and Answers The Termination Allowance Plan Q. Who is eligible for a severance payment under the Company s Termination Allowance Plan? A. Any regular full-time
More informationThe benefits you elect as a new hire or during Open Enrollment remain in effect all
ADDITIONAL LINKS: www.benefits.hcr-manorcare.com Know How Life & Work Events Impact Your Benefits QUICK REFERENCE MyBenefits Online: www.benefits.hcr-manorcare.com Businessolver COBRA Call Center: 1.877.547.6257
More informationSummary Plan Description For Flexible Benefit Plan Document. Amended and Restated Effective. January 1, 2006
ALLEGHENY COLLEGE Summary Plan Description For Flexible Benefit Plan Document Amended and Restated Effective January 1, 2006 This document with the attached documents listed on the final page, constitute
More informationBENEFITS FOR. Early Retirees
BENEFITS FOR Early Retirees Thinking About Retiring Early? EARLY RETIREE BENEFITS The Alberta School Employee Benefit Plan (ASEBP) provides you with the opportunity to continue your ASEBP benefits coverage
More informationHealth. Savings. FAQs. The following are frequently asked questions and answers regarding the Health+Savings Option in the BP Medical Plan.
Health Savings FAQs The following are frequently asked questions and answers regarding the Health+Savings Option in the BP Medical Plan. Note: Health Savings Account (HSA) tax laws vary by state. You might
More information2019 GATES RETIREMENT PLAN GUIDE
2019 GATES RETIREMENT PLAN GUIDE TABLE OF CONTENTS HEALTH BENEFITS 2019 MONTHLY COBRA RATES GATES MATCHMAKER 401(K) PLAN GATES RETIREMENT PLAN (PENSION) SUPPLEMENTAL RETIREMENT BENEFIT PLAN COMPLIANCE
More informationIllinois Insurance Facts Illinois Department of Insurance Health Insurance Continuation Rights Illinois Spousal Law
Illinois Insurance Facts Illinois Department of Insurance Health Insurance Continuation Rights Illinois Spousal Law Revised July 2014 Note: This information was developed to provide consumers with general
More informationHealth Care Plans A14742W. Health Care Plans 2009 Edition
Health Care Plans Summary Plan Description 2009 Edition/Union-Represented Employees IBCJA 721; IBEW 2295; IBPATA 36; IBT 578 and 952; UAW 864, 887, 952, 1519, and 1558; SMWIA 461 The summary plan description
More informationSummary Plan Description and Plan Document for the MEIJER HEALTH BENEFITS PLAN. (Restated as of the first day of the 2017 Plan Year)
Summary Plan Description and Plan Document for the MEIJER HEALTH BENEFITS PLAN (Restated as of the first day of the 2017 Plan Year) TABLE OF CONTENTS INTRODUCTION... 1 ELIGIBILITY AND PARTICIPATION...
More informationNotification of Rights to Continue University of Rochester Health Care Coverage under COBRA
Notification of Rights to Continue University of Rochester Health Care Coverage under COBRA January 2018 Introduction You are receiving this notice because you have recently become covered under one or
More informationAbout Your Benefits 1
About Your Benefits 1 BENEFIT HIGHLIGHTS Your Benefits Provide Immediate Eligibility for You and Your Family As a full-time employee, you are eligible for coverage under most benefit plans, including Health
More informationYour Benefit Program. Highlights
Your Benefit Program Highlights At Turner, we value your hard work, and we believe you deserve a high-quality, comprehensive benefit program. Turner Benefits offers you and your family the opportunity
More informationBENEFITS ENROLLMENT GUIDE NEW HIRES. Benefit with Oxy. your health. your life. your future. Occidental Petroleum Corporation
BENEFITS ENROLLMENT GUIDE NEW HIRES Benefit with Oxy 2015 your health. your life. your future. Occidental Petroleum Corporation health. your Benefit Plans at a Glance* See enclosed benefit rate charts
More informationCOBRA INITIAL/GENERAL NOTICE OF COBRA CONTINUATION COVERAGE RIGHTS **CONTINUATION COVERAGE RIGHTS UNDER COBRA** C&A Industries, Inc.
Initial Notice of COBRA Rights COBRA INITIAL/GENERAL NOTICE OF COBRA CONTINUATION COVERAGE RIGHTS Introduction **CONTINUATION COVERAGE RIGHTS UNDER COBRA** C&A Industries, Inc. C&A Industires, Inc. Benefits
More informationBank of America Retiree Health and Insurance Summary Plan Description 2011
Bank of America Retiree Health and Insurance Summary Plan Description 2011 Bank of America Retiree Health and Insurance Summary Plan Description 2011 About this Summary This Retiree Health and Insurance
More informationPlan Document and Summary Plan Description for the EAG, Inc. Employee Welfare Plan
Plan Document and Summary Plan Description for the EAG, Inc. Employee Welfare Plan Your Health Care Benefits Your Health Reimbursement Arrangement ( HRA ) Your Life Insurance and AD&D Benefits Your Disability
More information2018 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS
2018 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS Updated 10/27/2017 Open Enrollment... 3 ELIGIBILITY... 5 Dependent Eligibility... 5 Part-Time Eligibility... 6 Medical... 7 Savings & Spending Accounts...
More informationHealth Flexible Spending Account Summary Plan Description
Health Flexible Spending Account Summary Plan Description Health Flexible Spending Account Summary Plan Description KEY DEADLINES APRIL 15 ANNUALLY Submit your claims for reimbursement; when the deadline
More informationBenefits Status Change Guide
Benefits Status Change Guide Effective January 1, 2019 Annual Benefits Enrollment is generally the only time you can enroll in or make changes to your benefits during the year, including your method for
More informationMy Choice. Learn/know/Compare
My Choice Learn/know/Compare Enroll 2019 Benefits Enrollment 2 This is your opportunity to choose the benefits you want for you and your family. You must enroll within 30 days of Date of Hire or Status
More informationCONEXIS P.O. Box Dallas, TX
CONEXIS P.O. Box 223684 Dallas, TX 75222-3684 Date: 5/24/2016 Form: CLC02-CXTEN Doc ID: Account #: To Participant Name: Employer: UNIVERSITY OF AKRON (THE) Election Deadline: 7/26/2016 Qualifying Event:
More informationPOWERING. LEAVING AEP A guide for ending employment. Total Rewards
POWERING Total Rewards LEAVING AEP A guide for ending employment 2016 Former full-time employees under age 55 and/or with less than 10 years of credited service IS THIS GUIDE FOR YOU? This guide applies
More informationCONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT (COBRA)
Office of Employee Benefits Administrative Manual CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT (COBRA) 250 INITIAL EFFECTIVE DATE: SEPTEMBER 1, 2005 LATEST REVISION DATE: AUGUST 1, 2013 PURPOSE: To provide
More informationHealth Care Benefits. Important!
Health Care Benefits The Major League Baseball Players Welfare Plan (referred to as the Welfare Plan in this section) provides comprehensive health care benefits for you and your eligible dependents. Whether
More informationFrequently Asked Questions: HDHP with HSA 2011 Annual Enrollment. What s New for 2011
Frequently Asked Questions: HDHP with HSA What s New for 2011 1. Will my High Deductible Health Plan with Health Savings Account (HDHP with HSA) vendor be the same in 2011? 2. If my medical plan vendor
More informationUniversity of Pennsylvania Postdoctoral Insurance Plan
University of Pennsylvania Postdoctoral Insurance Plan Frequently Asked Questions (FAQ) Garnett-Powers & Associates, Inc. California Insurance License: 0G11917 Version 1.3 / Revised 11.10.17 Table of Contents
More informationHealth and Life Benefits Summary Plan Description First Data Corporation January 2016
Health and Life Benefits Summary Plan Description First Data Corporation January 2016 First Data Corporation (the Company or First Data ) is the plan sponsor of the plans described in this summary plan
More informationBENEFIT OPTIONS AT TERMINATION
BENEFIT OPTIONS AT TERMINATION GENERAL INFORMATION Contacts Benefits bcobenefits@battelle.org 614.424.6350 Payroll bcopayroll@battelle.org 614.424.7143 Human Resources humanresources@battelle.org 614.424.5000
More informationUS AIRWAYS, INC. HEALTH BENEFIT PLAN
US AIRWAYS, INC. HEALTH BENEFIT PLAN Updated November 1, 2012 Summary Plan Description Effective January 1, 2013 SUMMARY PLAN DESCRIPTION This document summarizes the main provisions of the US Airways,
More informationAmerican Airlines, Inc. Health & Welfare Plan for Active Employees. Summary Plan Description. Effective January 1, 2018
American Airlines, Inc. Health & Welfare Plan for Active Employees Summary Plan Description Effective January 1, 2018 Revised December 15, 2017 Table of Contents Eligibility and Enrollment... 2 Medical
More informationChapter 1: Eligibility, Enrollment, and More. Eligibility, Enrollment, and More. Contents
Chapter 1: Eligibility, Enrollment, and More Chapter 1: Eligibility, Enrollment, and More Contents Contacts... 1-2 The basics... 1-3 Summary Plan Descriptions... 1-3 Benefit plan options... 1-3 Who s eligible
More informationCITY OF PLANT CITY PLAN YEAR 10/01/17-9/30/18 EMPLOYEE BENEFITS ENROLLMENT GUIDE
CITY OF PLANT CITY PLAN YEAR 10/01/17-9/30/18 EMPLOYEE BENEFITS ENROLLMENT GUIDE INTRODUCTION The City of Plant City is committed to providing you and your family comprehensive insurance coverage options
More informationSanford Health Value Plan (HDHP+HSA) Frequently Asked Questions
Sanford Health Value Plan (HDHP+HSA) Frequently Asked Questions August 2017 This document is intended to answer frequently asked questions regarding Sanford Health s Value Plan (HDHP+HSA). Additional information
More informationRetiree Benefits Handbook. An overview of health benefits available to Sacramento County Annuitants
Retiree Benefits Handbook An overview of health benefits available to Sacramento County Annuitants 2016 I N T R O D U C T I O N The County of Sacramento is committed to your overall health and well-being,
More informationHIPAA Special Enrollment Rights
Provided by Brown & Brown of Louisiana, LLC HIPAA Special Enrollment Rights Group health plans often provide eligible employees with two regular opportunities to elect health coverage an initial enrollment
More informationGeneral Notice. COBRA Continuation Coverage Notice (and Addendum)
University Human Resources Benefits Office 3810 Beardshear Hall Ames, Iowa 50011-2033 515-294-4800 / 1-877-477-7485 Phone 515-294-8226 FAX General Notice And COBRA Continuation Coverage Notice (and Addendum)
More informationMy Retirement. A Guide to Planning for Your Future
My Retirement. A Guide to Planning for Your Future You Are Retiring Soon TIP: START THE PROCESS THREE MONTHS OUT If possible, start the retirement process about three months before you retire. This will
More informationGenerally, your coverage as a Retiree ends when the first of the following events occurs:
Self-Payments and Continuing Eligibility You will continue to be eligible for Retiree Benefits provided you make the required selfpayments. The Trustees determine the amount of self-payments and the amount
More informationExiting Associate Information
Exiting Associate Information uuuuuuuuuuuuuuuuuuuuuuuuuuuu January 2018 When You Leave: A quick guide to help smooth your transition Because it s only natural to have questions as you leave, we ve put
More information2018 MyBenefits Summary. Helping you make informed choices so you and your family members live and play well. Retiree
2018 MyBenefits Summary Helping you make informed choices so you and your family members live and play well. Retiree I N T R O D U C T I O N The County of Sacramento is committed to your overall health
More informationHealth+Savings FAQs. The following are frequently asked questions and answers regarding the Health+Savings Option in the BP Medical Plan.
Health+Savings FAQs The following are frequently asked questions and answers regarding the Health+Savings Option in the BP Medical Plan. Note: Health Savings Account (HSA) tax laws vary by state. You might
More informationCOBRA Continuation Coverage
COBRA Continuation Coverage The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), is a federal law that requires plans to offer a temporary extension of benefits to employees and eligible
More informationCement Masons and Plasterers Local 518 Health Care Fund Frequently Asked Questions & Answers
Q. HOW DO I BECOME ELIGIBLE FOR HEALTH & WELFARE BENEFITS? A. You can become eligible and receive benefits by working a sufficient number of hours for a Contributing Employer who makes contributions to
More informationRETIREMENT PLANNING GUIDE
RETIREMENT PLANNING GUIDE For U.S. Salaried and Non-Union Hourly Positions What s inside: Pension and 401(k) Benefits...2 Retiree Health Care Benefits...3 Benefits in Retirement Before Age 65...5 Benefits
More informationGroup Administration Manual. For all group sizes Missouri and Wisconsin MUEENABS Rev. 9/12
Group Administration Manual For all group sizes Missouri and Wisconsin 23631MUEENABS Rev. 9/12 Member services information for your convenience Health coverage inquiries Anthem Blue Cross and Blue Shield
More information2017 www.mympcbenefits.com Benefits Enrollment Benefits effective on the date you enroll 60 days to enroll Dependents Cannot be added until documentation is received Basic Benefits Definitions Health
More informationHealth and Life Benefits Summary Plan Description First Data Corporation January 2018
Health and Life Benefits Summary Plan Description First Data Corporation January 2018 First Data Corporation (the Company or First Data ) is the plan sponsor of the First Data Corporation Health & Welfare
More informationClackamas County POA/Sheriff s Office Retiree
Clackamas County POA/Sheriff s Office Retiree Post Employment Health Benefits Continuation Booklet Department of Human Resources Benefits and Wellness Division Public Services Building, 3 rd Floor 2051
More informationEIT Benefits. Table of Contents
EIT Benefits Electrical Insurance Trustees (EIT Benefit Funds) is pleased to provide you with this Summary Plan Description (SPD or handbook) describing the health care and welfare benefits available to
More information2017 Termination Benefits Summary For employees terminating on or after Dec. 1, 2016
Medical, Dental and Vision Care last day of the month in which your employment ends. Note: You will receive COBRA information from the RASC for medical, dental and vision. You are eligible to elect COBRA
More informationgood to know health and welfare benefits when you leave chevron
good to know health and welfare benefits when you leave chevron human energy. yours. TM This overview is provided to help you understand how your health and welfare benefits may change and the steps you
More informationMOTOROLA SOLUTIONS HEALTH AND WELFARE BENEFITS BOOK
MOTOROLA SOLUTIONS HEALTH AND WELFARE BENEFITS BOOK This U.S. Health and Welfare Benefits Book is effective January 1, 2017 CHI:2982335.2 ABOUT THIS MATERIAL This Health and Welfare Benefits Book represents
More informationCALIFORNIA STATE UNIVERSITY, LONG BEACH
Subject: Benefit Summary Management Personnel Plan (MPP) Department: Benefits and Staff Human Resources Division: Administration & Finance References: NA Web Links MPP Benefit Summary Brochure Reference
More informationHIPAA Special Enrollment Rights
Provided by Clarke & Company Benefits, LLC HIPAA Special Enrollment Rights Group health plans often provide eligible employees with two regular opportunities to elect health coverage an initial enrollment
More informationMy Self Service Benefits. Version /04/09
My Self Service Benefits Version 4.0 11/04/09 Table of Contents Section Page Access PeopleSoft 3 Log In 4 Benefits 5 Benefits Summary 6 Benefits Enrollment 7 Review Benefits Options 8 Enrollment Summary
More informationWELFARE BENEFITS PLAN
SUMMARY PLAN DESCRIPTION EFFECTIVE JULY 1, 2016 WELFARE BENEFITS PLAN SPONSORED BY THE STRUCTURAL IRON WORKERS LOCAL #1 WELFARE FUND TABLE OF CONTENTS PAGE ELIGIBILITY... 1 Initial Eligibility... 1 Deferred
More informationBOWDOIN COLLEGE FLEXIBLE BENEFITS PLAN HEALTH CARE REIMBURSEMENT PLAN DEPENDENT CARE REIMBURSEMENT PLAN SUMMARY PLAN DESCRIPTIONS
BOWDOIN COLLEGE FLEXIBLE BENEFITS PLAN HEALTH CARE REIMBURSEMENT PLAN DEPENDENT CARE REIMBURSEMENT PLAN SUMMARY PLAN DESCRIPTIONS Effective as of January 1, 2018 Bowdoin College One College Street Brunswick,
More informationchoose your U.S. BENEFITS in our
choose your U.S. BENEFITS in our Halliburton recognizes the driving force behind any successful organization is its people. One way Halliburton strives to attract, motivate and retain extraordinary people
More informationAmerican Airlines, Inc. Health & Welfare Plan for Active Employees. Summary Plan Description
American Airlines, Inc. Health & Welfare Plan for Active Employees Summary Plan Description Effective January 1, 2017 Table of Contents Eligibility and Enrollment... 2 Medical Benefits... 37 Prescription
More informationBORGWARNER FLEXIBLE BENEFITS PLAN SUMMARY PLAN DESCRIPTION 2018
BORGWARNER FLEXIBLE BENEFITS PLAN SUMMARY PLAN DESCRIPTION 2018 Table of Contents Pages INTRODUCTION...1 BENEFITS AND ELIGIBILITY...1 ENROLLMENT AND ELECTION OF BENEFITS...8 HEALTH CARE FLEXIBLE SPENDING
More informationELIGIBILITY INFORMATION YOU NEED TO KNOW
EMPLOYEE BENEFITS PLAN YEAR 2017-2018 TABLE OF CONTENTS Eligibility Information You Need to Know 3 Medical Benefits / Premiums 4 Deductible Type / Alternative Prescription Drug Program 6 Arkansas Blue
More informationCSX TRANSPORTATION 2018 BENEFITS
CSX TRANSPORTATION 2018 BENEFITS PENSION The CSX Pension Plan is a defined benefit retirement plan. This means the plan is designed to provide a certain amount of income at retirement based on a specific
More informationA Quick Look at Your Health Plan
A Quick Look at Your Health Plan Memorial Community Hospital Group #14693 When you enroll with Meritain Health, you re taking the next step towards a healthier, more balanced you. It s important for you
More informationYour Retirement Guide: A Step-by-Step. Checklist POWER YOUR FUTURE
Your Retirement Guide: A Step-by-Step Checklist d POWER YOUR FUTURE Retirement is a big step. You will be asked to make many important decisions about your DTE Energy (the company ) benefits over the next
More informationUMPHYSICIANS 2018 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS
UMPHYSICIANS 2018 OPEN ENROLLMENT FREQUENTLY ASKED QUESTIONS Open Enrollment What is Open Enrollment? Open enrollment refers to the specific time each year when you are eligible to enroll in or change
More informationUniversity of Michigan 2019 Benefits Enrollment Form For University of Michigan benefits eligible members.
WE University of Michigan 2019 Benefits Enrollment Form For University of Michigan benefits eligible members. 1. How to Use This Form You can use this form instead of Self Service > Benefits to elect your
More informationgood to know health and welfare benefits when you leave chevron excerpts
good to know health and welfare benefits when you leave chevron excerpts human energy. yours. TM This overview is provided to help you understand how your health and welfare benefits may change and the
More informationIntroduction. What Benefits Does the Plan Offer Me? TO YOUR FLEX ACCOUNTS INTRODUCTION
Introduction What Benefits Does the Plan Offer Me? INTRODUCTION Introduction TO YOUR FLEX ACCOUNTS A Flex Plan is an employee benefit that allows you to be reimbursed for certain expenses tax-free. You
More informationWelcome to Your 2019 Henkel Benefits
Welcome to Your 2019 Henkel Benefits For Legacy Pravana Employees Visit www.ybr.com/henkel to enroll Welcome We are pleased to welcome you and your family to Henkel s benefits. At Henkel, our employees
More informationROCHESTER INSTITUTE OF TECHNOLOGY
ROCHESTER INSTITUTE OF TECHNOLOGY Beneflex Plan Table of Contents Key Features of the Beneflex Plan...2 Introduction...3 Important Note About Passwords...3 Pretax Contributions for Medical, Vision and
More informationHealth Savings Account Guide
Health Savings Account Guide Health Savings Account Highlights 2 Introduction 2 Eligibility 3 McKesson Health Savings Account 3 Health Savings Account Amounts 3 Eligible Expenses 4 Non-Eligible Expenses
More informationFrequently Asked Questions About 2016 Annual Enrollment: Group 2 Employees (Agents & Non- Agents)
2016 Plan Year Frequently Asked Questions About 2016 Annual Enrollment: Group 2 Employees (Agents & Non- Agents) SYKES BENEFITS SYKES ANNUAL BENEFITS ENROLLMENT 2016 GENERAL QUESTIONS When is Annual Benefits
More informationBENEFIT ELIGIBILITY. Employee. Dependent
BENEFIT ELIGIBILITY BENEFIT ELIGIBILITY Benefits under the CHEIBA Trust Plans are available to Eligible Employees and Dependents of the State colleges, universities and institutions of higher education
More informationWestlake Chemical 2019 BENEFITS GUIDE
Westlake Chemical 2019 BENEFITS GUIDE Westlake Chemical Benefit Guide What s Inside About This Guide...1 Your 2019 Benefits Summary...1 Eligible Dependents...1 When Coverage Is Effective...1 Medical Plan
More information» 2009 Benefits Summary. for U.S. Full-Time Hourly & Salaried Associates
» 2009 Benefits Summary for U.S. Full-Time Hourly & Salaried Associates What s inside 1 Life Events 12 Eligibility and Enrollment 27 Benefits for Same-sex Domestic Partners 34 Medical 114 California Medical
More informationDUFlex Flexible Benefits Plan. Summary Plan Description
DUFlex Flexible Benefits Plan Summary Plan Description Effective July 1, 2016 Table of Contents Introduction 2 Plan Contacts 4 Your Health and Welfare Benefits 5 Your Flexible Spending Accounts 8 Your
More informationSummary Plan Description
Summary Plan Description For the Allegheny College Section 125 Plan Amended and Restated Effective July 1, 2014 This document with the attached documents listed on the final page, constitute the written
More informationActive Employees Benefits Handbook
2018 Active Employees Benefits Handbook About the Research Foundation for SUNY The Research Foundation for The State University of New York (RF) is the largest comprehensive university-connected research
More informationSavanna Energy Services. Your 2016 Guide to Benefits
S Savanna Energy Services Your 2016 Guide to Benefits Benefits at a Glance Copay: A fixed dollar amount you must pay for a specific service, such as an office visit or emergency room. Coinsurance: The
More informationGroup Insurance Trust of the California Society of CPAs Benefits Management Instructions for Firm Administrators
Group Insurance Trust of the California Society of CPAs Benefits Management Instructions for Firm Administrators Introduction. 2 Employer Eligibility 3 Enrolling a New Employee 4-6 Adding or Removing Dependents
More informationEligibility Rules. Bargained Employees. Initial Eligibility. Continued Eligibility and Termination of Eligibility
Eligibility Rules Bargained Employees Initial Eligibility The eligibility rules described in this booklet are effective as of May 1, 2008. You become eligible for coverage as long as you are not receiving
More information