OPEN ENROLLMENT January 1, 2017

Transcription

1 OPEN ENROLLMENT January 1, 2017

2 FILICE INSURANCE AGENCY NINA GARDNER, JOYCE MANANSALA, NANCY CENTENO Click to add text Nina Gardner, J.D. Your Employee Benefits Consultant strategic benefit planning Joyce Manansala Your Account Manager day-today administration questions, plan design inquiries, claims and coverage issues, billing questions, etc. Nancy Centeno Your Spanish Speaking Account Manager - day-to-day administration questions, plan design inquiries, claims and coverage issues, billing questions, etc. Serena & Lily s Customized Website Your Own Intranet

3 EMPLOYEE BENEFITS APP 3

4 ID CARDS APP 4

5 OPEN ENROLLMENT Open Enrollment is a once-a-year opportunity to make election changes Change plans Add or drop coverage for yourself Add or drop coverage for your dependents Update life insurance beneficiaries 5

6 MID-YEAR QUALIFYING EVENTS What changes can I make outside of Open Enrollment? If you do not make changes during open enrollment, the only time you can make an election or enrollment change is if you experience an eligible qualifying event. Common examples of qualifying events include, but are not limited to the following: Marriage or domestic partner union Divorce or legal separation Birth or adoption Gain or loss of coverage 6

7 IMPORTANT THINGS TO KNOW MEDICAL COVERAGE Medical Plan Year with Cigna 1/1/2017 to 12/31/2017 Deductibles and out of pocket maximums are calendar year for medical. Deductible and maximum are calendar year for the dental plan. Vision is based on your last visit. All employees must complete and return the Benefits Election Form. If you are making changes to your coverage, please complete a carrier application form. 7

8 EMPLOYEE BENEFITS OVERVIEW Cigna HRA Plan Dental Direct Dental (Assurant Dental Health Alliance Network) Vision VSP Life & Disability (LTD) employer paid Mutual of Omaha Voluntary Life Insurance Mutual of Omaha Voluntary STD Mutual of Omaha Employee Assistance Program Travel Assistance Voluntary Products with Colonial Life Accident Medical Bridge Critical Illness Pet Insurance (voluntary) Veterinary Pet Insurance, Nationwide FSA Commuter Plan 401(k) 8

9 Company Contribution Medical: Serena & Lily pays 100% of the premium for employees and 50% of the premium for dependents for the Cigna plan. Also, Serena & Lily covers the $2,000 deductible for employee only and the $4,000 deductible for employee plus one or more dependents. Dental: Serena & Lily pays 100% of the premium for employees and 50% for dependents for your Direct Dental plan. Vision: Serena & Lily pays 100% of the premium for employees and 50% for dependents for your VSP vision plan. To calculate your cost per paycheck, please multiply month cost by 12 and divide by 26 Long-Term Disability: Paid by Serena & Lily Life Insurance: Paid by Serena & Lily EAP Program : Paid by Serena & Lily Travel Assistance : Paid by Serena & Lily Voluntary Product and Pet Insurance: Employee Paid 9

10 Company Contribution Serena & Lily Pays Employee Pays Medical Premium Employee 100% 0% Family 50% 50% Deductible Employee ($2,000) 100% 0% Family ($4,000) 100% 0% Dental Employee 100% 0% Family 50% 50% Vision Employee 100% 0% Family 50% 50% Long-Term Disability 100% 0% Life Insurance 100% 0% Travel Assistance 100% 0% Employee Assistance Program 100% 0% Voluntary Options: Short-Term Disability 0% 100% Pet Insurance 0% 100% Medical Bridge, Accident, Critical illness 0% 100% 10

11 COST SHARING CO. v. EMPLOYEE FY17 Total Annual Benefits Cost* Medical $5, Dental $ Vision $ Life Insurance, ADD, etc. $ Health Reimbursement Account $2, Total $8, Total Monthly - Company $ Total Monthly - Employee $0.00 *Shown for (1) Employee Only 11

12 TIPS STRETCHING YOUR DOLLARS USE THE MAIL ORDER PHARMACY ASK FOR GENERIC DRUGS COMPARE PRICES AT DIFFERENT PHARMACIES GO TO URGENT CARE INSTEAD OF THE EMERGENCY ROOM MAKE SURE YOUR DOCTOR, LAB, HOSPITAL OR PHARMACY IS IN - NETWORK GET YOUR ANNUAL ROUTINE PHYSICAL EXAM AND RECOMMENDED SCREENINGS INQUIRE ABOUT THE COST OF SERVICES IN ADVANCE 12

13 PREVENTATIVE CARE VS. DIAGNOSTIC CARE What is the Difference? Preventive = Deductible does not apply When you have no symptoms with no reason to think you aren't healthy and you get a service or test listed in the Preventive Health Care Guidelines, it's a "preventive service. Carriers pay 100% for preventive services. Examples of Preventative Services: Well Woman, Well Man, Well Child Annual Check Up In association with the Affordable Care Act Schedule of Care Immunizations, Blood Pressure, Cholesterol, Diet Counseling for Adults at Risk for Chronic Disease, Type 2 Diabetes Screening for adults with high blood pressure, Tobacco use & Cessation Intervention. For a more detailed list please visit: 13

14 PREVENTIVE CARE FOR WOMEN NEW PREVENTIVE CARE GUIDELINES FOR WOMEN COVER THE FOLLOWING SERVICES (COVERED AT 100% WITHOUT COST SHARING): Well-women visits Gestational diabetes screening HPV DNA Testing for women 30 and older Sexually Transmitted infection counseling; HIV screening and counseling FDA approved contraception methods and counseling Breastfeeding support, supplies, and counseling Domestic Violence support, supplies, and counseling FOR ADDITIONAL DETAILS 14

15 PREVENTIVE CARE FOR MEN Getting the right preventive care services at the right time can help you stay healthier by: Preventing certain illnesses and health conditions from happening; or Detecting a health problem at a stage that may be easier to treat. Examples of preventive services for men: Annual well person exam Blood pressure after age 18, at least every two years Cholesterol after age 45, unless you have other risk factors Colorectal cancer screening, ages 50 or older Prostate cancer screening (PA) for men ages 50 and older or age 40 with risk factors Diabetes if you have high blood pressure or take medication for high blood pressure FOR ADDITIONAL DETAILS 15

16 SERENA & LILY Plan year: 1/1/2017 Offered by Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company, or their affiliates a 04/ Cigna.

17 YOUR MEDICAL PLAN overview of plan Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 17

18 YOUR HEALTH REIMBURSEMENT ACCOUNT How your HRA works Every year a predetermined amount of money is made available by Serena & Lily: $2,000 Individual, $4,000 Family (same amount as your deductible) This money is available to help you pay your portion of expenses for medical services covered by your plan HRA dollars are used first, then you must meet any remaining coinsurance until you satisfy your annual out-of-pocket maximum In-Network preventive care is covered at 100% Pharmacy co-pays are not reimbursed through the HRA The plan limits your expenses with a yearly out-of-pocket maximum. If you switch medical plans or leave your employer, you forfeit any unused HRA funds. * Review your employer s plan materials to determine if the HRA rollover option is available and for a complete list of eligible charges. ** Not all preventive care services are covered. For example, immunizations for travel are generally not covered. See your plan documents for details. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna Medical plan coverage You pay out-of-pocket or from your FSA Health Reimbursement Account In-Network Preventive care** Pharmacy 18

19 Planning for your medical costs Open Access Plus (OAP) Health Reimbursement Account MEDICAL PLANS Preventive Care Primary Care Physician (PCP) Office Specialist Physician Office Cigna Telehealth Connection Services Convenience Care/Urgent Care In- Network Nothing! No copay, No deductible You Pay 30% Plan pays 70% after deductible is met You Pay 30% Plan pays 70% after deductible is met You Pay 30% Plan pays 70% after deductible is met You Pay 30% Plan pays 70% after deductible is met Out of Network Not Covered You Pay 50% Plan pays 50% after deductible is met You Pay 50% Plan pays 50% after deductible is met Not Covered You Pay 50% Plan pays 50% after deductible is met Emergency Room Care You Pay 30% Plan pays 70% after in-network deductible is met Calendar Year Deductible Coinsurance $2,000 Individual $4,000 Family You Pay 30% Plan pays 70% after deductible is met $4,000 Individual $8,000 Family You Pay 50% Plan pays 50% after deductible is met Annual Out-of-Pocket Maximum $6,350 Individual $12,700 Family If you choose to receive care outside of your plan s network, only covered expenses will be applied to your deductible subject to your plan s Maximum Reimbursable Charge provisions. See your enrollment materials for more information about costs and details about covered and noncovered services, including plan exclusions and limitations. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna $12,700 Individual $25,400 Family 19

20 Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 20

21 TELEHEALTH- HOW IT WORKS Register with one or both vendors Register online Patient registers online with one or both vendors so they are ready to use service when needed By PHONE BY VIDEO CONFERENCE Step 1: Call toll-free Patient calls toll-free hotline available 24/7/365 including holidays. MDLIVE American Well Step 2: Speak with a coordinator A consultation coordinator locates the next available doctor and prepares patient for the consultation. Step 3: Speak with the doctor Once an available doctor is located, the system automatically calls and connects the doctor to the patient vs. others. Step 1: Visit website Patient visits the American Well or MDLIVE website or can download each mobile app and log in with username and password. Step 2: Find a doctor System helps the patient search for a doctor by a criteria, such as specialty, language, gender, location, or simply finds the next available doctor. Step 3: See the doctor online Once an available doctor is located, the system automatically connects the doctor to the patient. Post-visit communication Patient can elect for consultation history to be sent to personal doctor. Prescription services AmWell and MDLIVE doctors may prescribe medication when appropriate and send the prescription directly to your pharmacy.* Health care services are delivered by American Well and MDLIVE participating doctors and not by Cigna. Availability may vary by location and is subject to change. See vendor sites for details. *American Well and MDLIVE do not guarantee that a prescription will be written. Not all prescriptions are available. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 21

22 Planning for prescription costs PHARMACY Open Access Plus (OAP) Health Reimbursement Account In-network Retail (30-day supply) Retail & Home delivery (90-day supply) Generic You pay $10 You pay $30 Cigna-preferred brand You pay $20 You pay $60 Non-preferred brand You pay $40 You pay $120 Out-of-network You pay 100% at the time of purchase and then reimbursed 50% after the applicable copay Health benefit plans vary, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased from a licensed pharmacy and medically necessary. Refer to your plan documents for costs and complete details of your plan's prescription drug coverage. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 22

23 Where you can fill your prescriptions Choose the type of pharmacy that works best for you retail or home delivery Retail pharmacies or Cigna Home Delivery Pharmacy There are thousands of retail pharmacies in your new network! They include: Local pharmacies Grocery stores Retail chains You can fill: 90-day prescriptions at over 29,000 retail pharmacies* 30-day prescriptions at over 68,000 retail pharmacies* Offers: Standard delivery to your home or other preferred location, at no additional cost Overnight delivery Reminders via text or so you don't forget to fill your prescriptions Licensed pharmacists available 24/7 to answer medication questions * Pharmacy network as of April Subject to change. Please note, 30-day prescriptions can also be filled at 90-day pharmacies in the network. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 23

24 Cigna 90 Now makes it easier for you to fill the medications you take every day! How it works 30-day fills October December 2016: If you re filling a 90-day prescription at a pharmacy that isn t covered for 90-day fills, we ll mail you a letter about the change in your benefits. Get a 30-day prescription for your maintenance medication Take your prescription to any retail pharmacy in your network Receive your medication 90-day fills Get a 90-day prescription for your maintenance medication Take your prescription to a 90-day retail pharmacy in your network, or mail to Cigna Home Delivery Pharmacy Receive your medication in a 90-day supply for convenience Changing pharmacies? Your new pharmacy will contact your current pharmacy to have your active 90-day prescription transferred. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 24

25 Find a pharmacy that s right for you BEFORE 1/1/17 Go to Cigna.com/Rx90network. AFTER 1/1/17 Log into mycigna.com. Go to the Pharmacy page. Under Cigna s Pharmacy Tools, click on Get Drug Costs Now. You can fill 30-day prescriptions at any pharmacy in your network. And you can fill 90-day prescriptions at any pharmacy with this next to it: Here you can: 90-day benefit Find a current list of in-network pharmacies Learn how to transfer prescriptions to a new pharmacy Learn more about using Cigna Home Delivery Pharmacy You can fill 30-day prescriptions at any pharmacy in your network. And you can fill 90-day prescriptions at any pharmacy with this next to it: Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 25

26 BE PROACTIVE WITH YOUR HEALTH Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 26

27 Wellness Program How to get full HRA funding in 2018 In order to receive full HRA funding in 2018, you will need to complete a preventive care service by December 1, If you complete a preventive care service by December 1, 2017, your HRA funding for 2018 will be as follows: $2,000 Individual $4,000 Family If you do not complete a preventive care service by December 1, 2017, your HRA funding for 2018 will be as follows: $1,500 Individual $3,000 Family * Review your employer s plan materials to determine if the HRA rollover option is available and for a complete list of eligible charges. ** Not all preventive care services are covered. For example, immunizations for travel are generally not covered. See your plan documents for details. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 27

28 YOUR DIGITAL HEALTH EXPERIENCE Helping you improve your health mycigna.com: Comprehensive website Health Assessment: Simple & fun way to identify your health risks Digital Engagement Tools: Help you improve your health with apps & activities Health Dashboard: Track Health outcomes and goals

29 GAMIFIED HEALTH ASSESMENT Designed to be a simple and fun way to start your health journey and learn critical insights about your health. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 29

30 APPS AND ACTIVITIES Your app and device data in a personalized dashboard view Displays apps recommended for you You can share progress with your coach for extra support Dashboard view shows your activity across all apps and tools Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 30

31 SUPPORT FOR YOUR CHRONIC CONDITION Helping you stay healthy If you have one of these conditions, you ll have additional support available to you: Asthma Metabolic syndrome Heart disease, CAD, AMI, Peripheral arterial disease Heart failure, Angina Low back pain COPD Osteoarthritis Diabetes type 1 and 2 Depression, anxiety and bi-polar Information and resources to help you learn about your condition and treatment options and tips for self-care Online coaching programs help you maintain a healthy lifestyle Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 31

32 Helping you stay healthy Cigna Healthy Rewards * Discounts on a full range of health and wellness programs and services Eye care exams, frames and lenses, laser vision correction Weight management Jenny Craig Smoking cessation programs Hearing care Fitness club memberships Alternative medicine acupuncture, chiropractic care, massage therapy Mind/body positive mental visualization and relaxation techniques to help you to lose weight, reduce stress, quit smoking, reduce pain, prepare for surgery or even cope with chronic illness *Healthy Rewards is a discount program and is separate from your dental benefits. If your plan includes coverage for any of the services offered through Healthy Rewards, this program is in addition to, not instead of, your plan benefits. Some Healthy Rewards programs are not available in all states and may be discontinued at any time. A discount program is NOT insurance, and you must pay the entire discounted charge. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 32

33 HOW WE CAN HELP tools and resources Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 33

34 RELIABLE AND PERSONAL SERVICE WHEN YOU NEED US Call us anytime, day or night Customer Service and Health Information Line are 24/7/365 We speak your language Medical: Find all of your information when you need it at Coverage details Claim information and history Directory of doctors, hospitals, facilities Print a temporary ID card or order a new ID card Cost of care and quality comparison tools Health information and tools Frequently asked questions Mobile site and mycigna.com app deliver information on the go All customers can access mycigna via mobile device using internet browser mycigna mobile app for ios and Android devices Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 34

35 Q&A what you want to know Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel Cigna 35

36 DENTAL PLAN OVERVIEW Direct Dental (Dental Health Alliance (DHA) Network) $1,500 annual (plan year) maximum benefit (plan year) $50/individual (plan year) deductible Ortho: $1,000 lifetime max for children and adults ($500 per year) Plan design co-insuranc e levels In Out Preventative 100% 100% Basic 90% 80% Major 60% 50% Ortho 50% 50% 36

37 VSP VSP VISION PLAN Co-Pay: $10/$25 Exams: Lenses: Frames: OR Contact Lens Care: Every 12 months Every 12 months Every 12 months (up to $ % off) Every 12 months (up to $130) 37

38 LIFE & DISABILITY Life and AD&D Insurance Mutual of Omaha Benefit: 1 x salary to a maximum of $250,000 Long Term Disability Mutual of Omaha Benefit: Elimination: 90 days 60% of salary maximum benefit of $10,000/month 38

39 VOLUNTARY LIFE Minimum Maximum Guaranteed For You $10,000 $500,000 $100,000 For Your Spouse $5,000 $50,000 $25,000 For Your Children 2,000 $10,000 $10,000 Employee can elect up to $500,000 in $10,000 increments not to exceed 5 times their salary. Guarantee issue amount is 5 times salary up to $100,000 (New Hires Only). Spouse can elect up to 50% of employee s benefit to $50,000. Children can elect up to 50% of employee s benefit to $10,

40 VOLUNTARY STD Coverage VOLUNTARY SHORT TERM DISABILITY Mutual of Omaha STD Benefit Amount Maximum Elimination Period Benefit Duration Pre-Existing Conditions Limitation Integration w/ CA SDI 30% of Weekly Earnings $1,500/week 7 Days 12 Weeks Disabilities that occur during the first 6 months of coverage due to a pre-existing condition during the 3 months prior to coverage are excluded. Rate per $ NO EXAMPLE: VOLUNTARY SHORT TERM DISABILITY Employee's Annual Salary = $100,000 Weekly Earnings $100,000 Salary / 52 weeks = $1,923 Weekly Benefit* $1,923 Weekly Earnings x 30% Benefit = $ Maximum Benefit $ Weekly Benefit x 12 Week Duration = $6,924 STD Rate per $10 $0.55 Monthly Premium $0.55 STD Rate x $ Weekly Benefit / $10 = $32 Annual Premium $32 Monthly Premium x 12 Months = $384 * Participants receive tax-free benefit 40

41 EMPLOYEE ASSISTANCE PROGRAM 24/7 online resources and confidential telephonic consultation with licensed EAP consultants who provide assistance and guidance on: Family, relationship and parenting issues Emotional and stress-related issues Conflicts at home or work Alcohol and drug dependencies Financial issues Depression Parenting On-line resources and tools Up to 3 in-person counseling sessions each year with a licensed mental health professional. 41

42 WORLDWIDE EMERGENCY TRAVEL ASSISTANCE The need for emergency travel assistance is growing. Whether your travel is for business or personal reasons, our worldwide emergency travel assistance program goes with you when you travel to a foreign country or just 100 miles or more from home. If you, your spouse or your dependent children need immediate assistance anywhere in the world. 42

43 COLONIAL LIFE VOLUNTARY PRODUCTS 43

44 ACCIDENT INDEMNITY INSURANCE Colonial Life s Accident Insurance is designed to help you fill some of the gaps caused by increasing deductibles, co - payments and out-of-pocket costs related to an accidental injury. Pre-tax Benefit Guaranteed Renewable at Current Rate 100% Portable Wellness Incentives 44

45 MEDICAL BRIDGE INDEMNITY INSURANCE Hospital Confinement benefit - paid when any covered person is confined in a hospital or in an observation unit for at least 20 continuous hours. Outpatient Surgical Procedure Coverage Pre-Tax Benefit Guaranteed Renewable at Current Rate 100% Portable Wellness Incentives 45

46 CRITICAL ILLNESS LUMP SUM BENEFIT Covered Illnesses Heart Attack, Stroke, Major Organ Failure, End Stage Renal Failure, Permanent Paralysis, Coma, Blindness, Coronary Artery Disease Benefit Amounts Range from $5,000 - $75,000 Benefit Paid Once for Each Illness Post Tax Benefit Guaranteed Renewable 100% Portable Wellness Incentives 46

47 VETERINARY PET INSURANCE, NATIONWIDE 47

48 VETERINARY PET INSURANCE, NATIONWIDE 48

49 VETERINARY PET INSURANCE, NATIONWIDE 49

50 VETERINARY PET INSURANCE, NATIONWIDE 50

51 VETERINARY PET INSURANCE, NATIONWIDE 51

52 FLEXIBLE SPENDING ACCOUNTS Benefit Resource, Inc. FSAs help you pay eligible health care and dependent care expenses on a pre-tax basis Tax advantage: When you save pre-tax dollars in your FSA, you ll also lower your overall taxable income. There are three components of the FSA that you can take advantage of: Health care FSA - employees can elect pre-tax deductions of up to $2,600 annually to use towards eligible medical, Rx, dental and vision expenses Dependent care FSA employees can elect pre-tax deductions of up to $5,000 annually to use towards eligible child (12 and under) and adult day care expenses. $2,500 if married and filing separately. Pre-tax Premiums PLEASE NOTE: $500 unused medical FSA funds may be rolled over to next plan year. Unused dependent care FSA $ does NOT roll over to the next year. Unused medical amounts over $500 and any unused dependent FSA funds will be forfeited! 52

53 NEW PLAN YEAR January 1, 2017 December 31, 2017 Expenses must be incurred during the plan year no grace period Submit claims by February 15, 2018 for expenses incurred in 2017 $500 Medical FSA rollover of unused funds into next plan year $10 minimum rollover and any unused amounts over $500 are forfeited Dependent care FSA $ does not roll over from plan year to plan year Any unused FSA funds are forfeited back to the employer if an employee is terminated 53

54 TAX SAVINGS EXAMPLE MEDICAL FSA Annual Savings Example With FSA Without Jill's taxable income is: $ 50,000 $ 50,000 Contribution to FSA $ 2,000 $ - Taxable Income $ 48,000 $ 50,000 Real Spendable Income $ 38,871 $ 38,418 Tax Savings $

55 HOW TO USE BENIVERSAL FOR MEDICAL EXPENSES Use at qualified merchants (pharmacy, doctor, dentist, vision, etc.) If prompted at the point of sale, choose credit not debit Always retain your receipts 55

56 SUBSTANTIATION PROCESS If we cannot match the charge to your plan summary, we may require substantiation. If so, you will receive an from BRI asking for a receipt or an Explanation of Benefits (EOB) You can send it to us by Fax, uploading it online, or from your smart phone with the BRI app 56

57 CASH REIMBURSEMENT CLAIMS Submit reimbursement claims for all Dependent Care expenses and those Medical expenses for which you could not use your Beniversal card Reimbursement is available in two ways: A check mailed to your home address Direct deposit into your checking/savings account (you can set up direct deposit via your online account or by mailing or faxing the direct deposit authorization form) 57

58 BRI MOBILE APP 58

59 WEBSITE LOGIN 59

60 Enter your Company Code = serenalily Member ID = Social Security Number Password = Home Zip Code (unless previously changed) 60

61 RECEIVING BENIVERSAL CARDS Cards are mailed to employees homes after enrollment Beniversal Cards are activated via a toll-free phone call 61

62 COMMUTER BENEFIT Commuter Benefits is a federal transportation benefit program that allows employees to save on their transit costs by deducting their commute expenses pre-tax from their paycheck each months. You can deduct $255 per month from your paycheck on a pretax basis for transit, and an additional $255 per month for parking at your transit or carpool pick-up location. 62

63 CUSTOMER SERVICE Go online: Call BRI Participant Services: (5 am 5pm PST) 63

64 401(K) RETIREMENT PLAN Employee are eligible to participate in Serena & Lily s 401(k) Retirement Plan on their first day of employment and can contribute pre-tax dollars or after-tax dollars (Roth). Portico provides us with our investment menu while Newport Group will serve as the record keeper and web host for the plan. 64

65 ENROLLMENT INSTRUCTIONS For Cigna, if you are not adding or deleting dependents or enrolling for the first time or terminating, you don t have to do anything. For dental and vision, you only need to fill out the form if you are new or making changes. New hires should fill out the Mutual of Omaha form as well as the beneficiary form. No forms to fill out for group life, disability, EAP and travel assistance. Forms, applications, plan designs, etc. can be found at under the Forms section. Everyone must fill out the Serena & Lily 2017 Benefits Election Form for payroll. This form is required in addition to any insurance applications if you are enrolling or making changes. Please turn in all documents to Lisa Johnson on or before November 18 th! For questions, please call Joyce Manansala at or at joyce@filice.com. 65

66 QUESTIONS?? 66