A Step-By-Step Guide To Enrolling In Your Benefits On The Your Benefits Resources TM (YBR) Web Site It s Easy!

Transcription

1 A Step-By-Step Guide To Enrolling In Your Benefits On The Your Benefits Resources TM (YBR) Web Site It s Easy! The Your Benefits Resources TM (YBR) Web site is home to all of the tools and resources you ll need throughout Annual Enrollment, and it s also where you ll enroll in your benefits. Use this step-by-step guide (complete with screenshots of the most important YBR Web site pages) to navigate through the enrollment process with ease. Special Note: If you don t reach the Completed Successfully! page before your enrollment deadline, your benefits elections won t be registered and you ll receive default coverages which may not meet your needs or the needs of your family. Start Here! This is the first page you ll see when you visit the YBR Web site. Click the Log On button to continue. 1

2 Log On Log on to the YBR Web site by entering your personal information. When you log on to the YBR Web site, you agree to the Terms of Service. You may view the Privacy Statement to learn how the company and its vendors collect, use and protect your personal information on the YBR Web site. If you re a returning user, enter your User ID and Password, then click the Log On button. If you re a new user or you ve forgotten your User ID or Password, click the corresponding links to the right of the Log On button and follow the onscreen instructions. Click Log On to enter YBR. 2

3 Welcome After logging on, you ll arrive at the personalized Welcome page. Click the Enroll button to begin the enrollment process and start using the many decision support tools available to you. Once you make your benefits elections, you can return to this page to link to the Health Risk Assessment or use the Web address shown on the Completed Successfully! page. If you click the link to the Health Risk Assessment before confirming your benefits elections, you must later return to the YBR Web site to make and confirm your benefits elections. Remember, you receive a discount on your contributions for medical coverage through the company of $20 per month if you complete or update your Health Risk Assessment. While most of the tools are available to you from the Welcome page, we recommend using them as you proceed through the enrollment process. As you visit the various enrollment pages, you ll have access to the applicable tools and resources (for example, you ll see a link to the Medical Expense Estimator on the page where you enroll in your medical option). 3

4 Review Your Dependents Once you click the Enroll button, you ll see a listing of your dependents, if any were previously added by you. Your dependents will NOT be covered automatically in the medical, dental and vision coverages you elect. When you enroll for each of these separate benefit coverages, you ll see a list of your dependents with a blank checkbox next to each name. You must check the box for each dependent on the list you wish to enroll under that coverage. For example, to cover your spouse and children under your medical option, you ll need to check the boxes next to their names on the medical enrollment page. At the end of the enrollment process, you ll certify that all of the dependents you chose to cover are eligible to participate, and you ll be alerted to the potential adverse effects of including individuals who aren t eligible for coverage. Be sure to review the list and add any eligible dependents not already listed. By adding dependents, you are certifying that they meet the eligibility requirements for coverage. If you don t know the eligibility requirements, click the link for the Online Reference Guide and choose Health Insurance, then select Dependents You Can Cover. Click OK & Continue to move on to the next enrollment page. 4

5 Enroll in Your Benefits You re now at the Enroll in Your Benefits page, which will show you the default coverages until you make your new benefits elections. As you proceed through the enrollment process, this page will update to reflect the benefits elections you are considering. Remember, no changes are considered final until you confirm them and reach the Completed Successfully! page. Unless you confirm any changes you make, you ll receive the default coverages. Go Here First! Begin the enrollment process by clicking the Medical Discounts and Surcharges link at the top of the chart. Complete this section and click OK & Continue to advance through the enrollment process. Not yet! It s too soon to be clicking down here. Once you ve made all of your benefits elections, come back and click Confirm to register your elections. For now, start enrolling by clicking Medical Discounts and Surcharges above. Clicking this link will open a new window with a list of the decision support tools available throughout the YBR Web site. We recommend accessing these tools as you go through each section in the enrollment process to ensure you don t miss any of the steps in the process. Clicking on any of the benefits headings in the chart will take you directly to the page where you can make those benefits elections. However, we recommend that you start at Medical Discounts and Surcharges. If you currently participate in the Health Savings Account (HSA), Health Care Flexible Spending Account (HC FSA) or Dependent Day Care Flexible Spending Account (DDC FSA), you ll see a message that says, Your current coverage is not carried forward. While this is true for those accounts listed, it is also true for most of your coverages. In other words, you must make and confirm new benefits elections or risk defaulting into coverage that might not meet your needs or the needs of your family. 5

6 Enrollment Decision Toolkit We ve highlighted some of the key tools available to you in the Enrollment Decision Toolkit. You may access these tools from the Enroll in Your Benefits page or throughout the enrollment process. Compare Your Medical Options Use this tool to compare different features of your available medical options. You can compare up to three medical options at once and one of these can be your current option if you are covered through the company now. Compare the features that are most important to you (for example, contributions, out-of-pocket maximums), or look at all features at the same time. Note: Contributions are stated in gross annual amounts without adjustments for discounts or waiver of the surcharge for coverage under the Employee + Spouse or Family options. Be sure to utilize this very helpful tool before making your medical option decisions. Dental Plan Comparison Chart Use this tool to view the main features of your dental option. Select the features you wish to review and click the Compare Plans button. Vision Plan Comparison Chart Use this tool to view the main features of your vision option. Find a Doctor or Hospital Use this tool to locate a physician or medical facility that participates in your option s network. Or name a physician or facility and let the tool identify which options include them! After reading the Disclaimer, click Continue to access the external site. Once on the site, you can elect to find a network doctor or find a network hospital/other medical facility. Then follow the prompts. Medical Expense Estimator Use this tool to compare your annual out-of-pocket costs under your medical options. Select up to three plans to compare, including your current plan if you are currently covered through the company. Select the eligible dependents you plan on covering, then estimate the level of service each of them will require in the coming year. The tool will then estimate your annual costs for prescription drugs, as well as preventive, facility, and maternity care based on regional averages. You can make adjustments to the assumed number of services before clicking Get Results, which will show you your estimated annual costs under each option. Contributions are stated in gross annual amounts without adjustments for discounts or waiver of the surcharge for coverage under the Employee + Spouse or Family options. The results are estimates only, and your actual out-of-pocket expenses may vary. Estimate Your Health Care Flexible Spending Account (HC FSA) Expenses Use this tool to estimate contributions to your HC FSA. Enter your share of all eligible health care expenses medical, prescription drug, dental, vision, hearing, and other (for example, over-the-counter drugs) for both you and your dependents. After you enter all of the amounts, click Add It Up! to view your estimated out-of-pocket costs for the year. Unused funds in your HC FSA are forfeited at the end of the year, so it is important to estimate these costs as accurately as possible. Keep in mind that this is number is an estimate only. Note: There is a similar tool to estimate contributions to your Dependent Day Care Flexible Spending Account (DDC FSA). Life Insurance Estimator Use this tool to estimate your life insurance needs. Provide dollar value estimates for each of the expenses listed. Some of the expenses that you ll need to estimate include mortgage, child and education expenses, and income tax. Your total estimate will be calculated based on your expenses, minus any personal assets or savings that you include. Click Add It Up! to view your estimate. Note: A similar tool is available to estimate Long-Term Disability needs. 6

7 Medical Discounts and Surcharges Answer the two questions on this page. Your answers determine if you qualify for savings on your per-pay-period medical contributions or if you ll be responsible for paying an additional surcharge. You can obtain any applicable adjustments to your contributions on a prospective basis by contacting the Unisys Benefits Service Center (UBSC) at , Monday through Friday (except holidays), 9:00 a.m. to 5:00 p.m., Eastern time, but you won t miss out on any applicable adjustments if you answer the questions during the enrollment process. Answer honestly. We expect our employees to be truthful in all dealings involving the company as required under our ethics policies and practices. As is the case with any affirmation made during a benefits enrollment, providing false information may result in the loss of coverage and possible disciplinary action, up to and including termination of employment. The company reserves the right to require proof of eligibility for the discount as part of periodic audits. If you don t complete this section and you enroll for medical coverage, the enrollment system will bring you back to this page but just in case it doesn t: it is assumed that there are tobacco users in your household, and if you include your spouse or eligible same-gender domestic partner in your medical coverage, it is assumed that subsidized medical coverage for that individual is available elsewhere and the surcharge will be applied. After you answer the questions, click OK & Continue to move on to the next enrollment page. If you are not covering a spouse or eligible same-gender domestic partner through the company, answer False. No adjustment will be made to your contributions since the surcharge applies only to Employee + Spouse or Family coverage. 7

8 Medical This page shows your available medical options and the dependents you can cover. The Compare Your Medical Options tool allows you to compare the features that are most important to you for the available medical options. Fill in the radio button next to the medical option you ll be electing. Note: Because many of the medical options have similar names, make sure you are selecting the option you want. Put a check mark in the box next to each eligible dependent you want to include in your medical coverage. If you want to cover an eligible dependent not listed, click the Add a Dependent link below and follow the instructions. By including dependents, you are certifying that they meet the eligibility requirements for coverage. If you don t know the eligibility requirements, click the link for the Online Reference Guide and choose Health Insurance, then select Dependents You Can Cover. After you have chosen your medical coverage and the dependents you want to cover, click OK & Continue to move on to the next enrollment page. Why do these plan costs look so high? Because these are gross figures that do not take into account the discounts or the surcharge waiver that may apply to you. To determine your actual monthly contributions for each option subtract $20 if you are paid monthly or $9.23 if you are paid bi-weekly if you completed (or will complete) the Health Risk Assessment; subtract $40 if you are paid monthly or $18.46 if you are paid bi-weekly if the non-tobacco user discount applies to you; and subtract $100 if you are paid monthly or $46.15 if you are paid bi-weekly from the Employee + Spouse or Family columns if the spousal surcharge does not apply to you. Note: Once you confirm your elections and your enrollment period ends, you won t be able to change your elections until the next Annual Enrollment period, unless you experience a Qualifying Life Event that allows for changes. Changes must be confirmed within 30 days after the Qualifying Life Event. 8

9 Health Savings Account (HSA) If you choose a medical option on the preceding page, you ll be directed to the Health Savings Account (HSA) page. This page will show the amount you are eligible to contribute to an HSA, along with a text box where you can enter the amount you wish to contribute. If you choose one of the two UnitedHealthcare (UHC) account-based medical options, you may open an HSA through Exante Bank (a UnitedHealth Group Company). An HSA is a Federal income tax-favored bank account that you control. You can use your HSA to pay for covered medical expenses today and in the future (even after you retire). Enter the amount you wish to contribute to your HSA through convenient payroll deductions, up to the maximum amount shown. If you don t choose an account-based medical option, you won t have the option of opening an HSA. The contribution will default to 0. Click OK & Continue to continue enrolling in your other benefits options. Enter the amount you want to contribute to your HSA on an annual basis here. This amount will be prorated over the pay periods remaining after your election is made. For example, if you choose $1,200 effective at the start of the year, the $1,200 will be divided by 12 if you are paid monthly. However, if you choose $1,200 partway through the year, $1,200 will be divided by however many pay periods remain in the year resulting in a significantly higher per-pay-period contribution. The numbers to the right show the minimum and maximum amounts you can contribute for the full or partial year. Click OK & Continue to move on to the next enrollment page. Remember: If you have not chosen an account-based medical option, the text box defaults to 0. Click OK & Continue to proceed. Note: If you are eligible to participate in the HSA, you can authorize changes to prospective payroll deduction contributions at any time. 9

10 Dental Choose your dental coverage on this page. You have one dental option; elect either No Coverage or Coverage by filling in the radio button next to your desired choice. Use these tools to learn more about the main features of your optional dental coverage. Put a check mark in the box next to each eligible dependent you want to include in your dental coverage. If you want to cover an eligible dependent not listed, click the Add a Dependent link below and follow the instructions. After you have made your dental election, click OK & Continue to move on to the next enrollment page. Note: Once you confirm your elections and your enrollment period ends, you won t be able to change your elections until the next Annual Enrollment period, unless you experience a Qualifying Life Event that allows for changes. Changes must be confirmed within 30 days after the Qualifying Life Event. By including dependents, you are certifying that they meet the eligibility requirements for coverage. If you don t know the eligibility requirements, click the link for the Online Reference Guide and choose Health Insurance, then select Dependents You Can Cover. 10

11 Vision Choose your vision coverage on this page. You have one vision option; elect either No Coverage or Coverage by filling in the radio button next your desired option. Use these tools to learn more about the main features of your optional vision coverage. Put a check mark in the box next to each eligible dependent you want to include in your vision coverage. If you want to cover an eligible dependent not listed, click the Add a Dependent link below and follow the instructions. By including dependents, you are certifying that they meet the eligibility requirements for coverage. If you don t know the eligibility requirements, click the link for the Online Reference Guide and choose Health Insurance, then select Dependents You Can Cover. After you ve made your vision election, click OK & Continue to move on to the next enrollment page. Note: Once you confirm your elections and your enrollment period ends, you won t be able to change your elections until the next Annual Enrollment period, unless you experience a Qualifying Life Event that allows for changes. Changes must be confirmed within 30 days after the Qualifying Life Event. 11

12 Short-Term Disability (STD) View your company-sponsored Short-Term Disability coverage on this page. Short-Term Disability is provided at no cost to you. You do not need to enroll for coverage. While you cannot change your coverage, you can use the decision toolkit to learn more about your Short- Term Disability benefits. Click OK & Continue to move on to the next enrollment page. 12

13 Long-Term Disability (LTD) Elect your Long-Term Disability coverage on this page. You can choose from three coverage levels. Follow the Long- Term Disability Decision Toolkit link to learn more about how much coverage you may need. Decide whether you want to pay for your coverage with: before-tax contributions; if later eligible for benefits, LTD Plan payments are taxable income; or after-tax contributions; if later eligible for benefits, LTD Plan payments are not taxable for Federal and most state income tax purposes. To see the Base Pay and Avg Supp Pay used to determine your Coverage Amount and Price, look at your Frozen Base Pay and Frozen Supplemental Pay in Your Profile. After you ve made your LTD election and decided how you want to pay for coverage, click OK & Continue to move on to the next enrollment page. You may be required to provide satisfactory evidence of insurability (EOI) before coverage can begin if you currently do not participate in the Long-Term Disability Plan. If EOI is required for the options, it will be indicated as such. If you choose an option that requires EOI, the appropriate forms with instructions will be forwarded to you and your enrollment in that option will be pended until the Unisys Benefits Service Center is notified that your EOI has been received by Aetna and coverage has been approved by Aetna. Note: Once you confirm your elections and your enrollment period ends, you won t be able to change your elections until the next Annual Enrollment period, unless you experience a Qualifying Life Event that allows for changes. Changes must be confirmed within 30 days after the Qualifying Life Event. 13

14 Health Care Flexible Spending Account (HC FSA) Elect the amount you d like to contribute to your HC FSA. If you enroll in one of the two account-based medical options, the Internal Revenue Service (IRS) restricts what can be reimbursed through an HC FSA and enrollment in the HC FSA will be deemed to be enrollment in the Limited Scope Healthcare Flexible Spending Account (LSHC FSA) for medical expenses that meet the IRS rules for covered expenses, including eligible dental, vision and non-covered medical expenses along with eligible covered medical expenses after you meet your annual deductible. You can use your HSA to pay for covered medical expenses before your annual deductible is met. Enter the amount you want to contribute to your HC FSA on an annual basis. This amount will be prorated over the pay periods remaining after your election is made. For example, if you choose $1,200 effective at the start of the year, the $1,200 will be divided by 12 if you are paid monthly. However, if you choose $1,200 partway through the year, $1,200 will be divided by however many pay periods remain in the year resulting in a significantly higher per-pay-period contribution. If you don t want to contribute anything, you can keep the 0 default already noted in the field. After making your HC FSA election, click OK & Continue to move on to the next enrollment page. Click these helpful links to learn more about why you might want to sign up for an HC FSA, or estimate how much you might want to contribute to your account. Note: Once you confirm your elections and your enrollment period ends, you won t be able to change your elections until the next Annual Enrollment period, unless you experience a Qualifying Life Event that allows for changes. Changes must be confirmed within 30 days after the Qualifying Life Event. 14

15 Dependent Day Care Flexible Spending Account (DDC FSA) Elect the amount you d like to contribute to your DDC FSA. Note: This account is for day care expenses, not medical expenses for your dependent(s). Enter the amount you want to contribute to your DDC FSA on an annual basis. This amount will be prorated over the pay periods remaining after your election is made. For example, if you choose $1,200 effective at the start of the year, the $1,200 will be divided by 12 if you are paid monthly. However, if you choose $1,200 partway through the year, $1,200 will be divided by however many pay periods remain in the year resulting in a significantly higher per-pay-period contribution. If you don t want to contribute anything, you can keep the 0 default already noted in the field. Click this link to estimate how much you might want to contribute to your account. After making your DDC FSA election, click OK & Continue to move on to the next enrollment page. Note: Once you confirm your elections and your enrollment period ends, you won t be able to change your elections until the next Annual Enrollment period, unless you experience a Qualifying Life Event that allows for changes. Changes must be confirmed within 30 days after the Qualifying Life Event. 15

16 Company-Provided Life Insurance Elect the level of Company-Provided Life Insurance you want. Life Insurance is provided automatically at no cost to you. This tool is valuable in helping you determine if you d like to purchase additional coverage elsewhere. To see how the 1x Pay Coverage Amount is calculated, add your Frozen Base Pay and your Frozen Supplemental Pay (in Your Profile), then round up to the next $1,000. After you ve made your Company-Provided Life Insurance election, click OK & Continue to move on to the next enrollment page. You may be required to provide satisfactory evidence of insurability (EOI) before coverage can begin if you choose an option that provides an increase in coverage of $100,000 or more (other than an increase resulting from an increase in your Frozen Base Pay and Frozen Supplemental Pay. If EOI is required for the option you choose, it will be indicated as such and the appropriate forms with instructions will be forwarded to you. Your enrollment in that option will be pended until the Unisys Benefits Service Center is notified that your EOI has been received and approved by MetLife. You may have three levels of coverage from which to choose. The company fully subsidizes one of your choices and the subsidy amount is shown as your Life Allowance. The net cost to you is $0. If you elect coverage with a Price that s lower than your Life Allowance, you will receive a credit each pay period that represents the difference between the Life Allowance and your option Price. If you elect coverage with a Price that is higher than the Life Allowance, you will pay the difference each pay period. Note: Once you confirm your elections and your enrollment period ends, you won t be able to change your elections until the next Annual Enrollment period, unless you experience a Qualifying Life Event that allows for changes. Changes must be confirmed within 30 days after the Qualifying Life Event. 16

17 Verify Your Beneficiaries Verify your Company-Provided Life Insurance beneficiaries. Click here to learn more about naming beneficiaries. If your primary and secondary beneficiaries look correct and their benefit percentages are appropriately allocated, click Continue Enrollment. If not, click Make Changes. 17

18 Business Travel Accident & Seat Belt/Air Bag Insurance View your company-provided Business Travel Accident & Seat Belt/Air Bag Insurance coverage on this page. Business Travel Accident & Seat Belt/Air Bag Insurance is provided by the company at no cost to you. You do not need to enroll for coverage. Click OK & Continue to move on to the next enrollment page. 18

19 Verify Your Beneficiaries Verify your Business Travel Accident & Seat Belt/Air Bag Insurance beneficiaries. Click here to learn more about naming beneficiaries. If your primary and secondary beneficiaries look correct and their benefit percentages are appropriately allocated, click Continue Enrollment. If not, click Make Changes. 19

20 Group Universal Life Insurance (GULP) Learn how you can go about getting this supplemental insurance through MetLife. Note: This additional insurance coverage is outside the Unisys Flexible Benefits Program and is not an employersponsored welfare benefit plan for purposes of the Employee Retirement Income Security Act of 1974, as amended (ERISA). Click OK & Continue to move on to the next enrollment page. You won t be able to make coverage elections here for GULP insurance. This paragraph describes how you can go about getting this supplemental coverage if you d like this. 20

21 Long Term Care Learn how you can go about getting this supplemental insurance through MetLife. Note: This additional insurance coverage is outside the Unisys Flexible Benefits Program and is not an employersponsored welfare benefit plan for purposes of the Employee Retirement Income Security Act of 1974, as amended (ERISA). Click OK & Continue to return to an updated Enroll in Your Benefits page. You are almost done with your 2008 enrollment! You may now look through a summary of your elections before finalizing them. You can t make coverage elections here for Long- Term Care insurance. This paragraph describes how you can go about getting this supplemental coverage if you d like it. 21

22 Review Your Elections (on the Enroll in Your Benefits page) Important: You re NOT finished with the election process yet your elections won t be official or entered into the system until you confirm them! After you ve gone through the process, you re brought back to the Enroll in Your Benefits page to view the updates you have made. YOU RE NOT DONE YET! You must still confirm your elections! To change any of your choices, click on the applicable benefit link. Once you have updated your choice on that page, you ll want to click OK & View Choices to return directly to this main page. Note: You may see two different sets of Prices and Allowances on this screen if the Price for your Company-Provided Life Insurance coverage is different than the Life Allowance on the Company-Provided Life Insurance screen (see page 16). These numbers represent two different methods for calculating your net costs (shown as Your Cost below). The bottom line is that your net costs for your benefits elections are the same. Once you re confident that all of your choices are reflected just the way you want them, click the Confirm button. Note: Once you confirm your elections and your enrollment period ends, you won t be able to change your elections until the next Annual Enrollment period, unless you experience a Qualifying Life Event that allows for changes. Changes must be confirmed within 30 days after the Qualifying Life Event. 22

23 Pop-Up Alerts After clicking the Confirm button, you may receive pop-up alerts regarding: enrollment errors or conflicts; warnings; certification that the dependents you ve included are eligible for coverage; and/or, certification of the accuracy of the information you have provided regarding tobacco use and/or the availability of subsidized medical coverage for a spouse or same-gender domestic partner that you are covering through the company. After making any corrections, you are returned to the Enroll in Your Benefits page. Once again, look it over carefully to be sure that the appropriate updates appear and the information for all of the options reflects the coverage you want. Then, from the Enroll in Your Benefits page, click Confirm again. If, at any point in the enrollment process, you click a Quit button or sign off before reaching the Completed Successfully! page, your elections won t be saved and you ll need to go through the entire process of electing your benefits again. If you don t, default coverage will be assigned to you. It s as if you did not do anything at all. After you navigate through all of the pop-up alerts below, you ll reach the Completed Successfully! page. Note: This pop-up alert will appear twice. This is not an error. Click OK to confirm or Cancel if you need to make changes. You are so close! The system needs time to process your transaction, so don t log off or close your browser. If you do, your elections will not be registered or confirmed. 23

24 Completed Successfully! Once any discrepancies are resolved and your elections have been registered in the system, you ll arrive at this page with the Completed Successfully! message at the top. Be sure to print a copy of this page for your records. If you don t reach the Completed Successfully! page, your benefits elections haven t been entered into the system! You must return to the Enroll in Your Benefits page and try making your elections again, or you ll receive default coverages that may not meet your needs or the needs of your family. If problems persist, contact the UBSC at , Monday through Friday (except holidays), 9:00 a.m. to 5:00 p.m., Eastern time. Congratulations! Once you ve reached the Completed Successfully! page and have printed it out for your records, you are done with the Annual Enrollment process! For Annual Enrollment elections you ll receive a Confirmation of Enrollment in mid-november. Compare your Confirmation of Enrollment to the printout of your Completed Successfully! page and report any discrepancies or errors to the UBSC immediately. Wait one more thing! If you haven t taken your Health Risk Assessment yet, do it now! You ll receive a $20 per month discount on your contributions for medical coverage through the company for completing or updating this helpful tool. You ll also get valuable information about your health and how to maintain or begin living a healthy lifestyle! You can access the Health Risk Assessment from the Enroll in Your Benefits page or by logging on to 24

25 Please note: The above communication refers to changes to certain Unisys benefit plans, without going into all of the details. The provisions of the applicable plan documents solely determine the legal rights and obligations of any person. In the event of any discrepancy between this communication (or any oral representations made by any person regarding this communication) and the official plan documents, the applicable plan documents (including any amendments), as interpreted by the plan administrator, in his/her/its sole discretion, will always govern. Unisys reserves the right to amend or terminate any or all of its benefit plans, in whole or in part, at any time and for any reason without notice or consent to the extent permissible under applicable law. For active employees whose benefits are governed by collective bargaining agreements, benefit changes will be implemented consistent with the company s statutory and contractual obligations. Because Unisys cannot give legal, financial or tax advice, you are strongly urged to consult your own personal legal, financial and tax advisors before you take any action under the plan(s). 25