2017 Enrollment Meeting Schedule Location Date Time

Transcription

1 2017 BENEFITS GUIDE

2 2017 Benefits Open Enrollment Each year, eligible employees have the opportunity to review their benefit elections and make changes for the upcoming plan year that starts January 1, This year s open enrollment period is: November 14 th November 30 th 2017 Enrollment Meeting Schedule Location Date Time Branan Lodge - Blairsville Tuesday, November 8 th Noon Lunch/Meeting 1:00 p.m. St. Johns Towers Thursday, November 10 th 11:00 a.m. 12:00 p.m. 1:30 p.m. 2:30 p.m. Asbury Harris Epworth Towers Wesley Woods Towers Corporate Wesley Woods Friday, November 11 th Friday, November 11 th 10:00 a.m. 11:00 a.m. 3:30 p.m. 4:30 p.m. Branan Towers Monday, November 14 th 2:00 p.m. 3:00 a.m. Newnan Tuesday, November 15 th 2:00 p.m. 3:00 p.m. Lanier Gardens Talmage Terrace Wednesday, November 16 th 2:00 p.m. 3:00 p.m. 1

3 WELCOME! What s Inside Wesley Woods Senior Living is committed to providing our staff and their families with outstanding, competitive benefits plans. As a part of Wesley Woods Senior Living, you have numerous benefits available to you. You have a choice of three medical plans, each with unique plan design features. In addition, there are plans that provide coverage for dental, vision, disability, retirement and more. We encourage you to take a close look at all the benefits information provided in this guide. Our benefit plans are just one of the many ways Wesley Woods Senior Living helps you take care of yourself and your family. Your Benefits 3 What s New 2017? 3 Who is Eligible to Enroll? 4 Change In Your Coverage Mid-Year 6 Basic Life w/ad&d 7 Long Term Disability 7 Medical Benefits 8 Telemedicine 9 Aetna Mobile App 10 Aetna Member Portal 11 Dental Benefits 13 Vision Benefits 14 Medical, Dental & Vision Plan Rates 15 Short-Term Disability 16 Supplemental Life Insurance 17 Supplemental AD&D 18 Flexible Spending Accounts 19 WW Retirement Plan 20 Faculty Staff Assistance Program 22 Health Advocate 23 The Summary of Benefits and Coverage (SBC) for each health plan and the individual health insurance marketplace notice can be accessed at 2

4 YOUR BENEFITS As a Wesley Woods Senior Living Employee, you are fortunate to have a wide range of benefit programs available to you. Benefit programs give you important financial protection when you need it most. Enrolling in your benefits is quick and easy. Spend a few minutes and review the benefit programs that Wesley Woods Senior Living offers to make the choices that are right for you and your family. NOTE: Some benefits Wesley Woods Senior Living offers are employer provided, and coverage is automatic if you are eligible. Other benefits give you choices and require you to enroll. WHAT S NEW FOR 2017? Added Medical Plan Options o Employees now have 3 medical plans to choose from HSA Medical Plan No Longer Available o Additional information for employees who are currently enrolled in this plan will be available at the Open Enrollment Employee Meetings. Supplemental Life Insurance Open Enrollment o Employees can ELECT or INCREASE coverage on for themselves and/or dependents; up to the Guarantee Issue Limit WITHOUT having to answer HEALTH QUESTIONS This offer applies to Eligible Employees and Spouses* Employees or spouses who were denied coverage during last year s annual enrollment are not eligible for this offer and will be required to provide evidence of insurability for any additional coverage that is elected. o NOTE: This offer is only available during this year s open enrollment; any elections made after this year s open enrollment will require evidence of insurability and are subject to underwriting approval. 3

5 WHO IS ELIGIBLE? Full-time Employees (scheduled to work 30+ hours per week) Part-time Employees (scheduled to work hours per week) Family Members eligible for Dependent Coverage include: o Your legal spouse o Natural, adopted, foster or step child(ren) o Child(ren) for whom court appointed or legal guardianship has been awarded Employer Provided Benefits As an eligible employee, Wesley Woods Senior Living pays 100% of the cost for the following benefits: Basic Life Insurance with Accidental Death & Dismemberment (AD&D) Insurance Long Term Disability Insurance (provided after 1 year of continuous employment) Employer Basic and Matching Contributions to the 403(b) Retirement Plan o For more information on retirement plan options, view the Retirement Program Guide located on Faculty Staff Assistance Program (FSAP) Health Advocate Optional Benefits In addition to the benefits provided by Wesley Woods Senior Living, eligible employees may enroll in Optional Benefits. Employees contribute toward the cost of the optional benefits he/she elects. Medical Dental Vision Supplemental Life Insurance Supplemental Accidental Death and Dismemberment (AD&D) Short Term Disability Flexible Spending Accounts 403(b) Retirement Plan 4

6 WHEN COVERAGE BEGINS New Hires: o You must enroll during your first 31 days of employment with Wesley Woods Senior Living o Other than the 403(b), if you do not enroll during your first 31 days of employment you will lose your ability to enroll in the optional benefits. Your next opportunity to enroll in optional benefits will be either: During the next Annual Benefits Enrollment Period, or If you experience a Qualified Life Event (see page 6 for more information) Current Employees: o Each year you have an opportunity to review and make changes to your benefit elections during the Annual Enrollment Period and make changes for the upcoming plan year. WHEN COVERAGE ENDS Medical, Dental & Vision Employees: o End of the last day of the month in which: Your regular work schedule is reduced to fewer than 20 hours per week; Your employment with Wesley Woods Senior Living ends due to resignation, termination or death; or You stop paying your share of the coverage Dependents: o When the employee s coverage ends o The last day of the month the dependent is no longer eligible Life, AD&D, Short Term Disability & Long Term Disability Employees: o The next day following: Your regular work schedule is reduced to fewer than 20 hours per week; Your employment with Wesley Woods Senior Living ends due to resignation, termination or death; or You stop paying your share of the coverage Dependents: o When the employee s coverage ends o The next day following when dependent is no longer eligible 5

7 MAKING CHANGES TO YOUR BENEFITS DURING THE PLAN YEAR The IRS provides strict regulations around changes to Pretax Elections during the plan year. If you experience a qualified IRS family status change mid-year, you are permitted to make a change within 31 days of the event. If the change request is not completed within 31 days of the event, you will not be able to change your elections until the following year s annual benefits enrollment period, which means the change will not be effective until January 1 st of the following year. Below is a list of some of the more commonly known qualified family status changes: Marriage, divorce or annulment, or permanent separation from your spouse Birth of a child Placement of a foster child or child for adoption with you, or assumption of legal guardianship of a child Change in your spouse s or dependent s employment status that affects eligibility, including termination or commencement of employment or change in worksite You or your spouse returns from unpaid leave of absence You or your dependent becomes eligible or loses eligibility for Medicare or Medicaid The death of your spouse or dependent Court ordered coverage of your child by you or your spouse, allowing you to add or drop the child s coverage Change in your employment that affects benefits eligibility (working at least 30 hours per week) Loss of eligibility for a dependent Change in dependent care provider or cost for Dependent Day Care Flexible Spending Account The change you request must be consistent with the qualifying event. To make a family status change, please contact Human Resources. In most cases, when you enter your family status change through Self Service and make your elections, the process is complete. However, some mid-year changes also require documentation to be submitted within 31 days of the event. Please refer to the below section for a list of events that require documentation. FAMILY STATUS CHANGE EVENT Dependent loss of the state s SCHIP plan Judgement, Decree or Court Order to add coverage for a dependent child Legally married couples with different last names Dependent child with a last name different than yours Change of residence that is inside or outside of the plan area DOCUMENTATION TO SUBMIT A copy of the Certificate of Creditable Coverage or a termination letter which lists the date your coverage ended A copy of the court order awarding custody or requiring coverage Proof of marriage such as marriage certificate or jointly filed tax return A copy of the birth certificate or a court document awarding custody or requiring coverage A copy of your visa and/or passport that shows the date of entry or exit from the plan area Please contact the Human Resources Department at (404) or HR@wesleywoods.org for more details 6

8 BASIC LIFE w/ad&d INSURANCE (Employer Paid) Aetna Benefit Features Base Benefit Amount 1 x Employee s Base Annual Earnings up to $50,000 AD&D Benefit Amount 1x Employee s Base Annual Earnings to a Maximum of $50,000 Benefit Reduction Schedule (of original benefit) Age 70 Reduced by 35% Age 75 Reduced by 50% LONG TERM DISABILITY INSURANCE(Employer Paid) 1 Aetna Benefit Features Monthly Benefit 60% of Base Monthly Earnings Maximum Monthly Benefit $15,000 Benefits begin after a covered 180 Days injury or illness Maximum Benefit Period Age 65 or Social Security Normal Retirement Age 2 Definition of Disability You are considered to be totally disabled after a significant mental or physical change resulting from a disease, injury or a disabling pregnancyrelated condition causes you to be unable to perform the substantial and material acts necessary for your own occupation. Also, as a result, your earnings are 80%, or less than your pre-disability earnings. Your benefit will extend beyond 24 months only if you cannot perform the material duties of any reasonable occupation that you could be expected to perform satisfactorily in light of your age, education training, experience, station in life, and physical and mental capacity. Also, as a result of your continued disability, your earnings are 60%, or less, than your adjusted pre-disability earnings. Pre-Existing Conditions An illness, injury or pregnancy-related condition for which you were diagnosed, received medical treatment, or prescribed medications during the 3 month period before your coverage effective date. No benefit will be paid during the first 12 Consecutive Months after your coverage effective date for a disability related to pre-existing condition. Benefits will be paid for covered disabilities not related to a pre-existing condition 1 Provided after 1 year of continuous employment with Wesley Woods 2 If your disability occurs at the age of 62 or later, your benefit may be reduced based on pre-determined schedule. Please refer to your Policy Documents. 7

9 MEDICAL INSURANCE AETNA HIGH MIDDLE VALUE OAMC /60 RX1 OAMC /60 RX2 OAMC /70SJ RX5 Benefit Features In-Network In-Network In-Network Calendar Year Deductible 1 Individual $2,000 $2,500 $2,500 Family $4,000 $5,000 $5,000 Out of Pocket Maximum 2 3 Individual $6,000 $6,600 $6,600 Family $12,000 $13,200 $13,200 Routine Preventive Services 0%; No Cost to Member 0%; No Cost to Member 0%; No Cost to Member Physician Services Primary Care Physician Office Visit $25 Copay $30 Copay $20 Copay Specialist Office Visit $50 Copay $60 Copay $40 after Deductible Diagnostic Procedures X-Ray 20% after Deductible 20% after Deductible $65 after Deductible Lab 4 20% after Deductible 20% after Deductible $50 after Deductible Emergency Medical Care Urgent Care $65 Copay $65 Copay $75 after Deductible Emergency Room 20% after $250 Copay 20% after $250 Copay $500 after Deductible Hospital Care Inpatient Coverage 20% after Deductible 20% after Deductible $500 after Deductible Outpatient Surgery 20% after Deductible 20% after Deductible 0% after Deductible Pharmacy Retail (30 Day Supply) Value $3 Copay $3 Copay $3 Copay Generic $10 Copay $15 Copay $15 Copay Brand $30 Copay $35 Copay $35 after Deductible Generic/Brand (Non-Preferred) $60 Copay $65 Copay $65 after Deductible Specialty $150 Copay 20% up to $250 20% after Deductible Specialty(Non-Preferred) $300 Copay Maximum 20% up to $500 Maximum 20% after Deductible Mail Order (31-90 Day Supply) Value $7.50 Copay $7.50 Copay $7.50 Copay Generic $25 Copay $37.50 Copay $37.50 Copay Brand $75 Copay $87.50 Copay $87.50 after Deductible Generic & Brand(Non-Formulary) $150 Copay $ Copay $ after Deductible 1 The family deductible is a cumulative deductible for all family members. The family deductible can be met by a combination of family members; however no single individual within the family will be subject to more than the individual deductible amount. 2 The family out of pocket maximum is a cumulative out of pocket maximum for all family members. The family out of pocket maximum can be met by a combination of family members; however no single individual within the family will be subject to more than the individual out of pocket maximum amount. 3 Only those out-of-pocket expenses resulting from the application of coinsurance percentage, copays and deductibles (except any penalty amounts) may be used to satisfy the out of pocket maximum 4 Quest is the in network provider for Aetna, all lab work must be sent to a Quest lab to receive the in-network benefits listed above 8

10 TELEMEDICINE TELEDOC 9

11 AETNA MOBILE APP 10

12 AETNA MEMBER PORTAL 11

13 AETNA MEMBER PORTAL (Cont.) 12

14 DENTAL INSURANCE AETNA PLAN 1 PLAN 2 Passive PPO DMO Benefit Features In-Network In-Network Annual Deductible 1 2 Individual $50 None Family $150 None Preventive Services (Exams, Cleanings, X-Rays, etc.) Basic Services (Fillings, Simple Extractions, etc.) 0% Scheduled 20% Scheduled Major Services (Inlays, Onlays, Crowns, etc.) 50% Scheduled Annual Benefit Maximum $1,500 None Orthodontic Services (Adult & Child) 50% Screening Exam: $30 Copay Orthodontic Deductible None Adult & Child Treatment: $1,545 Copay Orthodontic Lifetime Maximum $1,500 1 Amounts applied to deductible are limited to the Reasonable and Customary Charges 2 Deductible Waived for Preventative Services Employees can choose from two types of dental plans: o Plan 1: Aetna Passive PPO (PPO) o Plan 2: Aetna Dental Maintenance Organization (DMO) Aetna does not issue dental ID cards, as it is not required by the provider o Employees can login to if you want to print a card Plan 1: Aetna Passive PPO (PPO) Flexibility to see any dentist Out of Network Coverage Available If Needed Preventative services received by either In-Network or Out of Network providers covered at 100% up to reasonable and customary levels Plan 2: Aetna Dental Maintenance Organization (DMO) Required to use certain dentists Managed care plan that contracts with a list of providers at a set fee schedule Out of Network Coverage NOT Available A Primary Care Dentist (PCD) must be selected Referrals are Required for Specialist Care (Does not apply to Orthodontist) 13

15 VISION INSURANCE AETNA Benefit Features In-Network Out-of-Network 1 Exam Frequency Once Every Rolling 12 Months Routine/Comprehensive Eye Exam $0 Copay $35 Reimbursement Eyeglass Lenses / Lens Options Frequency Once Every Rolling 12 Months (Purchase 1 pair of eyeglass lenses OR 1 order of contact lenses) Single Vision Lenses $0 Copay $35 Reimbursement Bifocal Vision Lenses $0 Copay $45 Reimbursement Trifocal Vision Lenses $0 Copay $75 Reimbursement Lenticular Vision Lenses $0 Copay $75 Reimbursement Contact Lenses Frequency Once Every Rolling 12 Months (Purchase 1 pair of eyeglass lenses OR 1 order of contact lenses) Conventional Contact Lenses $150 Allowance 2 Additional 15% off balance over $105 Reimbursement allowance Disposable Contact Lenses $150 Allowance $105 Reimbursement Medically Necessary Contact Lenses $0 Copay $200 Reimbursement Frames Frequency Once Every Rolling 24 Months $150 Allowance Any Frame Available, Including Additional 20% off balance over Frames for Prescription Sunglasses allowance $75 Reimbursement Discounts Lasik Laser Vision Correction or PRK from U.S. Laser Network 3 Only 15% Discount off retail or 5% discount off the promotional price No Discount 1 You can choose to receive care outside the network. Simply pay for the services up front and then submit a claim form to receive an amount up to the out of network reimbursement amounts. Reimbursements will not exceed the provider s actual charge. Claim forms can be found at submit completed claim form with receipt to Aetna, PO Box 8504 Mason, OH Allowances are one-time use benefits; no remaining balances may be used 3 Lasik or PRK from the US Laser Network, owned and operated by LCA Vision 14

16 MEDICAL INSURANCE Medical, Dental & Vision Plan Rates Bi Weekly Payroll Deductions FULL TIME EMPLOYEES Plan 1 Plan 2 Plan 3 Employee Only $60.19 $46.95 $26.87 Employee/Spouse $ $ $ Employee/Child(ren) $ $ $ Family $ $ $ PART TIME EMPLOYEES Plan 1 Plan 2 Plan 3 Employee Only $83.66 $70.43 $40.30 Employee/Spouse $ $ $ Employee/Child(ren) $ $ $ Family $ $ $ DENTAL INSURANCE FULL TIME EMPLOYEES PPO DMO Employee Only $13.11 $7.13 Employee/Spouse $24.77 $14.97 Employee/Child(ren) $30.73 $20.25 Family $42.52 $27.80 PART TIME EMPLOYEES PPO DMO Employee Only $18.35 $9.98 Employee/Spouse $34.67 $20.96 Employee/Child(ren) $43.02 $28.35 Family $59.53 $38.92 VISION INSURANCE FULL TIME & PART TIME EMPLOYEES Employee Only $5.24 Employee/Spouse $9.95 Employee/Child(ren) $10.48 Family $

17 SHORT TERM DISABILITY INSURANCE AETNA Benefit Features Weekly Benefit Amount 1 60% of Base Weekly Earnings Maximum Weekly Benefit 1 $2,500 Benefits begin after a covered 2 Injury 15 Days Illness 15 Days Maximum Benefit Period 26 Weeks Definition of Disability You are considered to be totally disabled after a significant mental or physical change resulting from a disease, injury or a disabling pregnancy-related condition causes you to be unable to perform the substantial and material acts necessary for your own occupation. Also, as a result, your earnings are 80%, or less than your pre-disability earnings. Pre-Existing Conditions An illness, injury or pregnancy-related condition for which you were diagnosed, received medical treatment, or prescribed medications during the 3 month period before your coverage effective date. No benefit will be paid during the first 12 Consecutive Months after your coverage effective date for a disability related to pre-existing condition. Benefits will be paid for covered disabilities not related to a pre-existing condition Proof of Good Health Proof of good health, known as Evidence of Insurability (EOI) may be required to enroll in the Voluntary Short Term Disability. 1 Benefits received under Short Term Disability are Non-Taxable 2 Employees are required to use any accrued extended illness leave before receiving short term disability benefits How Much Does It Cost? Employee Monthly Rates Per $10 Weekly Benefit <20 $ $ $ $ $ $ $ $ $ $ $ $

18 SUPPLEMENTAL LIFE INSURANCE AETNA Benefit Features Available Coverage Amounts Guarantee Issue Amounts Employee Spouse Child(ren) Up to $500,000; not to exceed 5x Annual Base Earnings Up to $250,000; not to exceed 50% of Employee Election Up to $10,000; not to exceed 50% of Employee Election Employee Lesser of; 3x annual base Earnings or $200,000 Spouse $20,000 Child(ren) $10,000 Benefit Reduction Schedule (of original benefit) Age 70 Reduced by 35% Age 75 Reduced by 50% How Much Does It Cost? Employee & Spouse Monthly Rates Per $1,000 of Coverage <20 $ $ $ $ $ $ $ $ $ $ $ $ $3.410 Dependent Child(ren) Monthly Rate Per $1,000 of Coverage 14 Days to Age 19; Age 23 if Full-Time Student $

19 SUPPLEMENTAL AD&D INSURANCE AETNA Benefit Features Coverage Amounts 1 Employee Equal to Supplemental Life Spouse Child(ren) 50% of Employee s Elected Amount (40% if Child Included) 15% of Employee s Elected Amount (10% if Spouse Included) Benefit Reduction Schedule (of original benefit) Age 70 Reduced by 35% Age 75 Reduced by 50% 1 Employee must be enrolled in Supplemental Life to be eligible for supplemental AD&D 1 Employee must be enrolled in Supplemental AD&D coverage for his/her dependents to be eligible How Much Does It Cost? Monthly Rate Per $1,000 of Coverage Employee Only $0.016 Employee/Family $

20 FLEXIBLE SPENDING ACCOUNTS PAYFLEX Flexible Spending Accounts allow employees to set aside money from their paycheck (on a pretax basis) to use for eligible expenses. There are various types of Flexible Spending Accounts, and each has their own specific definition of Eligible Expenses. Wesley Woods Senior Living offers you 3 different types of flexible spending accounts: 1. Healthcare Flexible Spending Account (FSA) 2. Dependent Day Care Flexible Spending Account Below is an overview of each of the 3 options. Healthcare Flexible Spending Account (FSA) What types of expenses are considered eligible? o Copays, Coinsurance and Deductibles o Dental Expenses (Orthodontia, Crowns, Bridges, etc.) o Vision Expenses (LASIK eye surgery, glasses, contacts, etc.) o Prescription drugs and over-the-counter (OTC) items * How much can I contribute? o Up to $2,600 each year If I do not use all the money in my FSA by December 31 st will I lose it? o No, there is a grace period where you will be able to use any of the remaining balance to pay for expenses incurred through March 15 th of the following year (i.e. Unused Funds for Plan Year: January 1, 2016 December 31, 2016 can be used for expenses incurred from January 1, 2017 March 31, 2017) What are some of the other benefits of a healthcare FSA? o Your full contribution is available at the start of the plan year (January 1 st ) o If you and your spouse both have a healthcare FSA, you can each contribute up to the IRS limit Dependent Day Care Flexible Spending Account The Dependent Day Care FSA allows you to pay for eligible dependent day care expenses using pretax dollars. Who is considered an eligible dependent? o Children under age 13 o Physically or Mentally Disabled Parent or Child What types of expenses are considered eligible? o Day Care o Before and After School Programs o Nursery or Preschool o Summer Day Camp o Adult Day Care o Elder care for tax-qualified dependents How much can I contribute? o Up to $5,000 if you are Single or Married and file a Joint Tax Return o Up to $2,500 if you are Married and file Separate Tax Returns o Up to $2,400 if you are a Highly Compensated Employee under the IRS Definition ($120,000) If I do not use all the money in my Dependent Day Care FSA by December 31 st will I lose it? o Yes, there is NO grace period for the Dependent Day Care FSA. o All expenses MUST occur before December 31 st 19

21 WESLEY WOODS RETIREMENT PLAN Wesley Woods Retirement Plan All eligible full-time and part-time employees who are at least 21 years of age are eligible for Wesley Woods basic and matching contributions to the retirement plan after completion of 1 year of continuous service in the 12-consecutive-month period between your service dates. Eligibility for matching contributions begins on the first month you meet the eligibility requirement. Employer Basic Contribution of 2% All eligible full-time and part-time employees who are at least 21 years of age are eligible for Wesley Woods 2% basic contribution to the retirement plan after completion of 1 year of continuous service in a 12- consecutive-month period Wesley Woods Matching Contributions If an employee elects to make a contribution to the 403(b) retirement plan of at least 2%, Wesley Woods will match the employee contribution dollar for dollar up to a maximum of 3%. For example: Employee contributes 2% of eligible salary Wesley Woods matches it with a 2% contribution Employee contributes 3% of eligible salary Wesley Woods matches it with a 3% contribution Employee Contribution Amount - All eligible full-time and part-time employees are immediately eligible to contribute to the retirement plan using pre-tax dollars only. As an employee, you may contribute 100% of your eligible pay up to the annual IRS maximum deferred limits. (Limit is $18,000.) If you are 50 or older, you may defer an additional catch up amount. For 2017, the additional catch up contribution amount can be up to $6,000. Total Annual Contribution - The IRS sets annual limits for the total amount that can be contributed by both the employee and the employer. This limit can change year to year. The IRS provides that the combined annual limit for total plan contributions is 100% of your W-2 compensation or $54,000, whichever is less. 20

22 WESLEY WOODS RETIREMENT PLAN Vanguard Vanguard is a company known for its integrity, low costs and investment track record. About Vanguard Vanguard is one of the world s largest global investment management companies, serving individual investors, institutions, employer-sponsored retirement savings plans and financial professionals. Amid all the noise in the marketplace about what you should and shouldn t do to invest successfully, Vanguard believes the key is to pay attention to a few things that really matter: low costs, diversification, and a long-term perspective. Vanguard helps you stay focused on these essentials and that can make a difference in reaching your financial goals. Easy Account Management You can manage your account and get investment help anytime: Online at Log on to check account balances, conduct transactions, research funds, use financial planning tools and more. By phone at Call Vanguard s 24-hour automated VOICE Network for transactions, detailed fund information, and more. With personal assistance. Vanguard Participant Services associates are available to assist you at Monday through Friday from 8:30 a.m. to 9 p.m., ET. On Line Information Vanguard s website provides 24-hour secure online access to your account information, including daily balance and fund performance updates. You ll have access to a wealth of information to help you with your retirement and financial planning. Online tools, calculators, and surveys tailored to your stage in retirement investing can help you determine how much to save, where to invest, how to plan for your retirement, and more. You can also download Vanguard fund prospectuses at Simple Investment Changes If you ever want to change how your money is invested, you can always move your money to new funds, rebalance your account, or redirect your contributions to new funds. It only takes a couple of minutes either online or by calling Vanguard. Transactions are generally cost-free.* Transfers If you ever wish to transfer funds from another vendor to Vanguard, you can simply contact Vanguard to request the appropriate form. Once that form has been completed and returned to Vanguard, Vanguard handles acquiring your assets from the other provider. While it largely depends upon the transferee institution, most asset transfers are completed within three to four weeks. Prospectus For more information about any fund, including investment objectives, risks, charges and expenses, call Vanguard at to obtain a prospectus. The prospectus contains this and other important information about the fund. Read and consider the prospectus information carefully before you invest. * Some Vanguard funds are subject to a frequent trading policy, which restricts moving money back and forth between funds within a given number of days. Some core funds are subject to a specified redemption fee for the sale of shares held for less than a given number of days. 21

23 FACULTY STAFF ASSISTANCE PROGRAM (FSAP) (Employer Paid) Wesley Woods Senior Living will offer the Faculty Staff Assistance Program (FSAP) FSAP is your link to a healthier you. They can help you enhance your personal and professional well-being through a variety of programs and services designed to promote physical, emotional, social and occupational health. They utilize a holistic model of service delivery, which supports collaboration and promotes community. The program services as a resource for employees and their families. Services to Enhance Work Productivity and Performance o Coaching services related to career planning, professional skills enhancement, and workplace dynamics. o Individual Consultations are provided to discuss services for you or concerns about a colleague. These consultations may be provided in-person or by phone. o Leadership Consultations are available to offer support to leaders needing to discuss emerging concerns and specific issues related to direct reports or teams. o Critical Incident Debriefings are conducted for departments and work teams after a traumatic incident (e.g., the death of a colleague). These sessions assist with processing and responding to grief and loss. Services to Enhance Your Personal Health and Well-Being o Assessment, short-term counseling, and referral services are provided in a confidential setting where you may discuss concerns, identify solutions, and develop a plan for resolving your problems. o Coaching/Consultation Services for personal needs. o Self-Assessments provide immediate, computer-generated, confidential results for a variety of emotional health concerns. o Support Groups address common issues facing individuals today (e.g., grief and loss, anger and conflict). o Physical Activity Support comes in the form of challenges, walking groups and fitness center discounts. o Weight Management programs and services assist you with losing or maintaining weight. How to Contact FSAP: o (404) or (404) 727-WELL o Visit the FSAP Website at 22

24 HEALTH ADVOCATE (Employer Paid) Wesley Woods Senior Living provides employees, who are enrolled in the health plan with access to a comprehensive Health Advocate service. This service is designed to help you navigate through any healthcare and/or insurancerelated issue that may arise for you and/or dependents. Examples of the services available through Health Advocate are: o Finding the right doctors, dentists, specialists and other providers o Answer questions about test results, treatments & medications o Clarify benefits o Get appropriate approvals for covered services o Negotiate payment arrangements with providers o Coordinate care among multiple providers How do I contact Health Advocate? o Phone: (866) o answers@healthadvocate.com o Web: o Smartphone App: itunes App Store or Google Play When can I contact Health Advocate? o Health Advocate can be accessed 24/7 o Normal business hours are Monday Friday, between 8 am and 9 pm, Eastern Time o Staff is available for assistance after hours and on weekends 23

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