Frequently Asked Questions 2015 Annual Enrollment (Agents and Non-Agents)

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1 2015 Plan Year Frequently Asked Questions 2015 Annual Enrollment (Agents and Non-Agents) SYKES BENEFITS

2 ANNUAL BENEFITS ENROLLMENT 2015 GENERAL When is Annual Benefits Enrollment? Annual Benefits Enrollment for the 2015 plan year is from November 12 November 26, Coverage takes effect on January 1, 2015, for the new plans. If I have questions, who do I ask? If you have questions about SYKES benefit options or to enroll in 2015 benefits, please contact a licensed Mercer Marketplace representative once Annual Benefits Enrollment begins on November 12 at: Phone: Online: mercermarketplace.com/sykes Where do I go to enroll? You will enroll through the Mercer Marketplace at mercermarketplace.com/sykes. What login credentials do I use? You will need to enter your Social Security number, last name, and date of birth. Then, you will need to set up a username and a password. If you forget your password, call the Benefit Center at If you have system issues or problems enrolling, please call the Benefit Center at How should an employee who is eligible for company-sponsored benefits enroll? For SYKES-sponsored benefits for the 2015 plan year, employees will need to enroll via the Mercer Marketplace during the SYKES Annual Benefits Enrollment window of Nov The website address is More details are available through the Annual Enrollment 2015 presentation deck and in the 2015 Benefits Guide which will be made available to you. Licensed Benefits Counselors are available at to walk employees through the plans and to provide valuable assistance with the decision-making process. Even if the employee is not eligible for some coverage, such as medical or dental, they may still be able to enroll in some voluntary plans, like accident or critical illness coverage (via the Mercer Marketplace). What about an employee who is not eligible for company-sponsored benefits? If the employee is not eligible for SYKES-sponsored benefits, he or she can enroll in benefits the following ways: 1) Individual health insurance plans through Mercer Marketplace, powered by GetInsured, during a special Open Enrollment window of November 15, 2014 February 15, The website address is: Through GetInsured, finding the right health insurance plan is easy. Licensed benefits counselors will help employees review and enroll in an individual health insurance plan of his or her choice during the individual insurance open enrollment period. With the tools that are provided, one can: Find out if he or she qualifies for tax credits to help pay for health insurance. 1

3 GENERAL (Continued) Understand what plans are available. Compare plans and determine what plans best meets the individuals needs and budget. Enroll in a plan with confidence. 2) Through the health plan of the employee s spouse or domestic partner, as appropriate. 3) Through government programs such as Medicare or Medicaid. Employees may visit to determine eligibility. Are the SYKES benefits linked? (For example, if you don t take medical, can you elect vision and dental)? SYKES benefits are not linked together. You can elect vision and dental without electing medical coverage. NEW HIRES Do new hires, such as those hired around mid-november, have a longer period in which to select their benefits? If, for example, an employee was hired on November 14, he or she would still need to follow the same waiting period guidelines to enroll (for Hourly Agent & Non-Agent employees, the waiting period is the first of the month after 60 days of employment from the end of a 30-day orientation period, but in no case longer than 120 days from the hire date.) However, if he or she is able to enroll by the Annual Enrollment deadline of November 26, 2014, then the individual will receive his or her ID cards when everyone else receives them. MEDICAL What is a deductible? A deductible is the amount of money you pay before your health plan will pay its share. For example, if you have a health plan with an $800 deductible, you must reach that amount before your health plan begins paying. Your deductible can be found on your medical plan Benefit Summary. Please contact the Mercer Marketplace at if you need more information. Do I have to meet my medical plan deductible annually? Yes. Medical plan deductibles are reset to $0.00 at the start of every plan year (January 1st). How can I tell if I ve met my medical plan deductible? Your Explanation of Benefits (EOB), which you will receive approximately two weeks after service, states how much you have paid toward your deductible. You may also contact the carrier directly at any time for this information. 2

4 MEDICAL (Continued) Can I add a family member to my medical plan? You can add a family member during the SYKES Annual Benefits Enrollment period (November 12 November 26, 2014) or when you experience a qualifying life event (as defined by IRS Section 125 regulations) such as marriage, divorce, birth or adoption of a child, loss of coverage, etc. Will there be a state listing of the available medical carriers prior to Annual Enrollment? This will not be necessary for this year, because the employee will only be shown only the plans and vendors for which they are eligible when they log into the Mercer Marketplace system. Will there be a large increase in employee benefit costs this year? It depends on which plan an employee chooses. An employee can maintain their benefits expense, or reduce it, depending on the plan which he or she chooses. WAITING PERIODS What are the waiting periods for benefits? The waiting period for Hourly Agents and Non-Agents is the first of the month after 60 days from the end of a 30-day orientation period, but in no case longer than 120 days from the hire date. ELIGIBILITY Who is eligible for company-sponsored benefits? Employees who regularly work at least 30 hours a week are eligible for company-sponsored benefits, as well as their spouse or domestic partner, and dependent children up to age 26. If an employee works fewer than 30 hours, he or she may still be eligible for some Transamerica medical plans and some Aflac plans. Additionally, these employees have the option of enrolling in medical plans through GetInsured, during a special Open Enrollment window of November 15, 2014 February 15, The website address is: 3

5 DENTAL Who administers SYKES Dental program? Dental benefits are administered by Delta Dental. How can I get a dental card? Dental cards are distributed by the carrier. If you do not receive a dental card within 10 days to two weeks of enrolling in the plan, please call member services for the carrier and they will send you a new card. If you have not received a dental card, you can still obtain services by telling your dentist s staff that you are covered by Delta Dental. The office should be able to verify your coverage. Who do I call if I have questions about a dental claim? You can contact Delta Dental s member service number for any questions about a dental claim. You can also see your claims online at the dental carrier's website. Do I have to meet my dental deductible annually? Yes. How can I tell if I ve met my dental plan deductible? Your Explanation of Benefits (EOB) will state how much you have paid toward your deductible. Can I add a family member to my dental plan? You can add a family member during our Annual Benefits Enrollment period or when you experience a qualifying life event as defined by IRS Section 125 regulations, such as marriage, divorce, birth or adoption of a child, loss of coverage, loss of COBRA, etc. When is Open Enrollment for the dental plan? Open enrollment for the dental plan is part of SYKES Annual Benefits Enrollment (November 12 November 26, 2014). Does the dental plan cover orthodontia? It depends on the plan; several of the available dental plans include coverage for orthodontia. VISION Who is SYKES vision provider? Our vision program is administered by EyeMed. What is the eligibility for vision? Vision benefits are for all benefits-eligible employees and their dependents, including children up to age 26. Do I receive an ID card for vision coverage? No, you will not receive an ID card for EyeMed vision coverage. Just tell your provider you have EyeMed and they will confirm your benefits. 4

6 VOLUNTARY What voluntary options are available for 2015? Through our voluntary partner, Aflac, you may wish to enroll in voluntary benefits to help protect you and your family in the event of illness or accident. The options available to you may include some or all of the following: Accident insurance - Provides financial protection for non-work-related accidents or injuries Critical illness insurance - Provides financial protection for critical illnesses, such as cancer Hospital indemnity - Provides coverage for hospital expenses not covered by your medical plan Legal - Offers discounted legal services Perkspot Offers shopping discounts on a variety of products Please Note: Not all voluntary benefits will be effective January 1, Some will become available during the first quarter of Not all benefits are available in all states. When will pet insurance be available? Pet insurance will be available in the first quarter of You will be provided with information when it becomes available. What is the difference between a Flexible Spending Account (FSA) and a Health Savings Account (HSA)? Flexible Spending Accounts (FSA) are good for the current plan year. An employee sets aside money pretax and he or she has to use that money during that plan year. In other words: Use it or lose it. HSA is similar in that it is pre-tax money that is set aside, but with an HSA, the money is yours and you can spend it during that plan year or the next year. You can also take the HSA money with you in the event you leave the company. Last, but not least, unlike the FSA, there is no documentation required for HSA. However, we do suggest that you maintain copies in case you are ever audited. 5

7 Who are the benefits vendors/partners for 2015? You ll find many details about the SYKES benefit plans on the Mercer Marketplace website. For more information, or to contact a carrier or plan administrator directly, please refer to the Benefits Contact chart (attached to this ). 6

Frequently Asked Questions About 2016 Annual Enrollment: Group 2 Employees (Agents & Non- Agents)

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