Your Health, Your Benefits Make It Yours Better health starts with you. And we re committed to giving you the tools to help you get there. Please read through this and all other enrollment materials located on the Make It Yours site so you have the information you need to make the best plan choices for you and your family. You can access the Make It Yours site from any computer: From a facility: Visit Employee Express, click on the mybenefits link in the left bar on the left side of the screen and then click on the link for Make It Yours. From an external computer, smartphone or tablet: Visit takecare.makeityoursource.com. Eligibility and Enrollment Knowing who is eligible for benefits and being aware of enrollment deadlines and requirements can help you make the most of your enrollment opportunity. Benefits Enrollment You can call the Benefits Service Center at 1.866.402.4144 Monday through Friday, 8 a.m. to 8 p.m. EST to have a Customer Service Representative assist you with your benefit enrollment and answer any questions you may have about the benefit options available to you. You can enroll online 24/7 from any computer with Internet access from home, work or a library during your enrollment period. From a facility, visit Employee Express, click on the mybenefits link in the menu bar on the left side of the screen and then click on the link for Enroll in Your Benefits. You will need your Novell username and password. (Tip: This is the username and password you use to access mypay.) You can also access Employee Express from any external computer by using ee.savasc.com (NOTE: do not type www). Enter your Novell username and password. (Tip: This is the username and password you use to access mypay.) Click on the mybenefits link in the menu bar on the left side of the screen and then click on the link for Enroll in Your Benefits. 1
When You Can Enroll Generally, enrollment elections are only made during the annual enrollment period. Here s a summary of other enrollment opportunities for medical, dental, vision, flexible spending accounts, life insurance and disability benefits during the year. If you: You can enroll: Enrollment window example: Your benefits will begin: date example: Are a new regular, full-time employee During your enrollment window, which starts approximately seven days after hire and extends 30 days beyond your effective date Hire date: 8/17 opens: 8/24 ends:10/30 (for non-line staff employee) ends:11/30 (for line staff employee) The first day of the month after: 30 days from your hire date, if you are non-line staff employee 60 days from your hire date, if you are line staff employee Hire date: 8/17 date for non-line staff employee: 10/1 date for line staff employee: 11/1 Have a qualifying status change or have a change to regular full time status Within 60 days of your family status change Within 60 days of your Medicaid eligibility change Qualifying event: Birth of a baby Qualifying event date: 10/16 opens: 10/16 Based on the type of status event closes: 12/16 2
Who Is Eligible for Benefits Permanent, full-time employees with standard work hours of at least 30 hours per week are eligible for coverage. You will have a 30- or 60-day initial waiting period based on your job code. Family Members You Can Choose to Enroll Medical Coverage Your spouse who does not have access to coverage through another employer. Your child by birth or adoption who is under age 26. The child of your spouse or domestic partner (who is under age 26, beginning when you have a legal responsibility for the child). Your child who is physically or mentally handicapped, dependent on you for support, and was covered under the medical plan before age 26 or had prior creditable coverage before age 26. The disability must occur before age 26. You will need to provide proof of disability status periodically. Your domestic partner who has been living with you for the past six months and does not have access to coverage through another employer. You will need to complete a Declaration of Domestic Partnership, which is available online, and provide supporting documentation to enroll your domestic partner. Dental and Vision Coverage Your spouse. Your child by birth or adoption who is under age 26. The child of your spouse or domestic partner (who is under age 26, beginning when you have a legal responsibility for the child). Your child who is physically or mentally handicapped, dependent on you for support, and was covered under the plan before age 26 or had prior creditable coverage before age 26. The disability must occur before age 26. You will need to provide proof of disability status periodically. Your domestic partner who has been living with you for the past six months. You will need to complete a Declaration of Domestic Partnership, which is available online, and provide supporting documentation to enroll your domestic partner. Benefit Changes During the Year The benefit elections you make during annual benefits enrollment will stay in effect from your effective date through December 31 of the year of your effective date. The Internal Revenue Service (IRS) limits changes you can make throughout the year. The IRS allows changes when you have a qualifying life event that can affect your coverage. You must make changes within 60 days of any family status change (life event). This deadline is not flexible. Any benefit changes you make must be consistent with the qualifying life event. For example, if you adopt a child, you can add the child to your medical plan but you cannot drop coverage for another child. You can change your elections for benefits throughout the year if: You have a qualifying event (for example, loss of coverage, marriage, divorce, death, birth of child, a spouse s benefits enrollment). A court order requires that your child receive accident or health coverage under this plan or a former spouse s plan. You, your spouse or dependent becomes entitled to Medicare or Medicaid. Your child reaches maximum age for coverage (age 26). 3
There is a significant change in your health coverage or your spouse s coverage attributable to changes in cost or benefits. Your or your spouse/domestic partner s employment status changes. The Company also allows a special enrollment opportunity if you or your eligible dependents either: Lose Medicaid or Children s Health Insurance Program (CHIP) coverage because you are no longer eligible, or Become eligible for a state s premium assistance program under Medicaid or CHIP. For these two enrollment opportunities, you will also have 60 days from the date of the Medicaid/CHIP eligibility change to request enrollment in our Company s group health plan. Pre-Existing Conditions The medical plan does not have pre-existing conditions for any covered participants, regardless of gap in coverage. You may not be eligible for short-term disability benefits if you have received treatment for a condition within the past three months until you have been covered under this plan for six months. The long-term disability plan does not cover pre-existing conditions for the first 24 months you are covered. You may not be eligible for critical illness benefits if you have received treatment for a condition within the past 12 months until you have been covered under this plan for 12 months. Paying for Coverage Your cost for coverage is based on the plan option and coverage level you choose. You and the Company share the cost of your medical coverage. The Company provides basic life insurance of one times your annual base earnings as of January1 of the current year at no cost to you. You pay the cost for dental, vision, supplemental and dependent life insurance, accidental death and dismemberment (AD&D) coverage, short-term and long-term disability, accident, cancer and critical care coverage, hospital indemnity Your share of coverage costs comes from your pay either through pre-tax or post-tax contributions. Pre-Tax Medical for you, your children and your domestic partner s children Dental and vision for you, your spouse, and your children or children of your spouse Health Care and Dependent Day Care Flexible Spending Accounts Health Savings Account (HSA) 401(k) Post-Tax Medical for your domestic partner who does not qualify as a health plan tax dependent Dental and vision for your domestic partner and your domestic partner s children Income protection: Supplemental and dependent life insurance, AD&D, disability Critical illness, accident and hospital indemnity insurance Identity theft protection; auto, home and pet insurance; legal services; international vacation medical coverage; medical bill negotiation services 4
For More Information The Company offers many benefits, programs and resources to help you and your family. Refer to the Reference Guide on the home page of the Make It Yours site for more details. 401(k) Retirement Savings Plan The Company offers a 401(k) plan to all employees. You may enroll in this plan on the first of the month following six months of employment. Contributions to the plan can be from 1% to 30% of your Company income, up to a maximum.* Catch-up contributions may be made to the plan for employees over age 50, up to a maximum allowed by the government. The Company may match at its own discretion during the plan year. This match will be received by employees who are active on the date the match is made. An enrollment kit will be sent to your home address at six months of employment. If you wish to enroll, please contact Fidelity Investments at 1.800.835.5091. * If you are considered a highly compensated employee by IRS definition, your contributions to the plan are restricted based on the annual non-discrimination testing performed on the plan. Work/Life Balance Benefits All employees automatically have access to the Employee Assistance Program. This benefit is provided at no cost to you. You and your family members can access confidential assistance 24 hours a day, seven days a week. Licensed professionals provide confidential support and guidance related to: Family, relationship and parenting issues. Child and eldercare needs. Emotional and stress-related issues. Conflicts at home or at work. Alcohol and drug dependencies. Health and wellness resources. Face-to-face counseling with a licensed mental health professional (sessions limited per year). Legal and financial services. For more information about the EAP, call EmployeeConnectPlus at 1.844.222.9325 or visit guidanceresources.com. Access to EmployeeConnectPlus online requires an individual ID, password and Web ID. To begin, click on the I am a First Time User link and enter takecare for the Web ID. You will then be prompted to register and create an individual ID and password. The Web ID will always be takecare. This guide provides information on various SavaSeniorCare benefit plans. It is intended to provide an overview of changes and information about some of the benefit plans you are eligible for as an employee of SavaSeniorCare. If any information in this guide conflicts with the plan documents and insurance policies, those plan documents and policies will govern. SavaSeniorCare reserves the right to amend, modify or terminate these plans at any time. This Eligibility & Enrollment Guide does not constitute a contract of employment. 5