Table f Cntents Sectin Tab Abut Yur Benefits 1 Medical Plan 2 PGU Chice Fund HSA 2-1-1 PGU PPO Cre 2-2-1 PGU PPO Select 2-3-1 Chice Fund HSA 2-4-1 PPO Cre 2-5-1 PPO Select 2-6-1 Open Access Plus 2-7-1 Indemnity 2-8-1 Prescriptin Drugs Plan 3 Visin Plan 4 Dental Plan 5 Emplyee Assistance Prgram 6 Flexible Spending Accunts 7 Disability Cverage 8 Life and Accident Plans 9 Pensin Plans 10 401(k) Savings Plan 11 Severance Plan 12 Vluntary Plans 13 Glssary 14 Administrative Infrmatin 15 Cntact Infrmatin 16
Intrductin Abut This Summary Plan Descriptin Cnslidated Nuclear Security, LLC ( CNS r Cmpany ) ffers eligible emplyees and their spuses and dependents valuable benefits thrugh the CNS Benefits Prgram (the Benefits Prgram r the Prgram ). It is yur respnsibility t understand yur cverage and benefits; therefre, yu will want t review all f the sectins f this SPD. If yu have questins abut yur cverage and benefits after yu review this SPD, cntact the apprpriate surce listed in the Cntacts sectin. The CNS Benefits Prgram and certain benefit plans, as described in this Summary Plan Descriptin (SPD), cmmnly referred t as the Bk f Benefits, are intended t cnfrm t all applicable legal requirements including, but nt limited t, the Emplyee Retirement Incme Security Act f 1974 (ERISA), the Internal Revenue Cde f 1986 (the Cde ), and all regulatins issued thereunder. It is further intended that the Prgram meet the requirements f a Cafeteria Plan under Cde Sectin 125 and Treasury Regulatins thereunder. If the emplyee elects qualified benefits under the Prgram, thse benefits may be eligible fr exclusin frm the emplyee s incme under Cde Sectin 125(a). (This means yu have the pprtunity t pay fr certain benefits n a pre-tax basis.) A cpy f this SPD is als available t yu at https://cns-llc.us/benefits This SPD replaces any prir SPD r Summary f Material Mdificatin. Payment f benefits is subject t all terms and cnditins f the Prgram as described in this SPD. Other insurance cverage may be available t emplyees n a vluntary basis. Cntact the Benefit Plans Office t btain additinal infrmatin. Nte: Neither receipt f this SPD nr use f the term yu means that yu are an eligible emplyee r Eligible Dependent under the Prgram. Yu are eligible nly if yu satisfy the applicable eligibility requirements. See the Eligibility sectin. In additin, the Cmpany reserves the right t amend, mdify, suspend, r terminate the CNS Benefits Prgram, in whle r in part, at any time, at its discretin, with r withut advance ntice t participants, fr any reasn, subject t applicable law. The Cmpany further reserves the right t change the amunt f required participant cntributins fr cverage at any time, with r withut advance ntice t participants. Abut Yur Benefits Thrugh the CNS Benefits Prgram, yu can chse amng different levels and types f cverage. In additin, tw flexible spending accunts (FSAs) are available. Yu may want r need cverage in sme benefit areas, but nt in thers. Or yu may want a higher level f cverage under ne benefit plan than under thers. Yur persnal situatin can als change frm year t year. As a result, the Prgram s apprach lets yu d the fllwing: Put tgether a cmbinatin f benefits that meets yur needs Change certain benefits each fall during the Open Enrllment perid effective fr the next plan year Have a valuable tax advantage when yu pay fr certain cverage n a pre-tax basis Nte: Sme terms are defined as they are addressed and/r within the Glssary f this SPD. Be sure t review the defined terms as they include imprtant infrmatin. The Administrative Infrmatin sectin f this SPD als has imprtant infrmatin regarding yur rights, the prcedures yu need t fllw, and the apprpriate cntacts yu may need in certain situatins. SPD Abut Yur Benefits 04/01/2018 1-1
Every attempt has been made t ensure the accuracy f this summary. Hwever, its cntents are nt legally binding nr shuld it be cnsidered as a substitute t the actual cntract language r Cmpany plicies. Nt an Emplyment Cntract The receipt f this SPD dcument des nt create a right fr yu t be retained in emplyment nr prevent the Cmpany frm terminating yur emplyment fr any reasn. Nthing in this dcument shall be cnstrued as an emplyment cntract r emplyment agreement. Yur Benefits Prvide eligibility fr yu and yur family Offer cverage autmatically Allw yu t chse the cverage that is right fr yu Offer tax-effective cverage Eligibility Emplyee Yu are eligible t participate in the benefit plans described in this bk if yu are emplyed and paid as a Full-Time Emplyee f the Cmpany wrking n a regular basis, r a Full-Time Temprary Emplyee wh is hired t wrk at least 12 mnths. Part-Time Emplyees and Full-Time Temprary Emplyees wh are hired t wrk less than 12 mnths are als eligible fr many f the benefits described in this bk. Ad Hc Emplyees are nt eligible t participate in any benefit plans. Individuals wh are paid as independent cntractrs r wh are leased frm anther emplyer are nt Emplyees and are nt eligible t participate in the benefits plans described in this SPD. When referring t bargaining unit emplyees, unless directly specified, this SPD is referencing the fllwing: Metal Trades Cuncil (MTC) Pantex Guards Unin (PGU) Atmic Trades and Labr Cuncil (ATLC) United Steel Wrkers (USW) Internatinal Guards Unin f America (IGUA) Central Alarm Statin Operatrs, Central Training Facility Instructrs, and Beta 9 Operatrs Internatinal Guards Unin f America (IGUA) Security Plice Officers Y-12 Fire Captains and Lieutenants (FCLT) When referring t nn-bargaining unit emplyees, this SPD is referencing all exempt salaried emplyees and nn-exempt salaried emplyees. If yu are a bargaining unit emplyee, yu are eligible fr business travel accident insurance and thse benefit plans in which yur bargaining unit has agreed t participate. The terms Full-Time Emplyee, Part-Time Emplyee, Full-Time Temprary Emplyee, and Ad Hc Emplyee are defined in the Glssary. SPD Abut Yur Benefits 04/01/2018 1-2
Dependents Yu may chse t cver yur Eligible Dependents fr medical (including prescriptin drug), dental, visin, life insurance, and special accident insurance cverage. Yur Eligible Dependents may als use the emplyee assistance prgram. Yu are bligated t submit prf f dependent status fr yur Spuse and Children. Dcumentatin includes a birth certificate, Scial Security card, marriage certificate, and ther dcuments required t prve eligibility. Medical (including prescriptin drugs), dental, and visin cverage may be cntinued fr an unmarried Child wh is permanently and ttally disabled and incapable f self-supprt due t a physical r mental handicap that began befre he r she reached the age at which cverage wuld therwise be terminated. Yu must submit prf f the Child s disability t the claims administratr within 31 days after attaining the maximum age. Additinal prf f the Child s cntinuing disability will be required peridically. Special accident insurance cverage (ATLC, IGUA, PGU and USW bargaining unit emplyees nly) may be cntinued indefinitely fr an unmarried Child wh is incapable f self-supprt due t a physical r mental handicap that began befre he r she reached age 19. When yur dependents are n lnger eligible fr health care cverage, they may be eligible t cntinue cverage fr up t 36 mnths under COBRA. See the Administrative Infrmatin sectin fr infrmatin n COBRA. The terms Eligible Dependents and Child are defined in the Glssary. Special Eligibility Rules fr Families If yu and yur Spuse wrk fr the Cmpany and are eligible t participate in the Cmpany s benefit plans, yu may enrll in the plan as an Emplyee, r yu may be enrlled as a Spuse. Hwever, yu may nt enrll fr cverage as an Emplyee and as a Spuse. In additin, nly ne f yu may enrll yur Eligible Dependent Child(ren). New Hires and When Cverage Begins Full-Time Emplyees and Full-Time Temprary Emplyees hired t wrk at least 12 mnths are eligible fr cverage fr mst benefit plans, including health care, life, accident insurance and the 401(k) Savings Plan n their first day f wrk. Part-Time Emplyees and Full-Time Temprary Emplyees hired t wrk less than 12 mnths are immediately eligible fr life and accident insurance and the 401(k) Savings Plan, and becme eligible fr medical, dental, and visin cverage after fur mnths f service. Ad Hc Emplyees, as defined in the Glssary, are nt eligible t participate in any benefit plans. SPD Abut Yur Benefits 04/01/2018 1-3
Full-Time Emplyees and Full-Time Temprary Emplyees Hired t Wrk At Least 12 Mnths Benefit Plan Eligible Cverage Begins Wh Pays? Medical (including Prescriptin Drugs) All emplyees: first day at wrk. All emplyees: first day at wrk prvided yu enrll within 31 days. Yu and the Cmpany share the cst. Dental All emplyees: first day at wrk. All emplyees: first day at wrk prvided yu enrll within 31 days. Yu and the Cmpany share the cst. Visin All emplyees: first day at wrk. All emplyees: first day at wrk prvided yu enrll within 31 days. Yu and the Cmpany share the cst. Emplyee Assistance Prgram All emplyees: first day at wrk. All emplyees: first day at wrk. N enrllment required. Cmpany pays. Flexible Spending Accunts All emplyees: first day at wrk. All emplyees: first day at wrk prvided yu enrll within 31 days. Yu pay. Nn-bargaining emplyees: after ne mnth f service. Nn-bargaining emplyees: after ne mnth f service. Shrt-Term Disability Bargaining unit emplyees: refer t yur cllective bargaining agreement. Bargaining unit emplyees: refer t yur cllective bargaining agreement. Cmpany pays. All emplyees: first day at wrk. Basic Lng-Term Disability All emplyees: first day at wrk. Yu must exhaust Shrt-Term Disability benefits first. Cmpany pays. Lng-Term Disability Buy-Up All emplyees except PGU and IGUA Security Plice Officers: first day at wrk. All emplyees except PGU and IGUA Security Plice Officers: first day at wrk. Yu must exhaust Shrt-Term Disability benefits first. Yu pay. All Pantex emplyees: first day at wrk. All Pantex emplyees: first day at wrk. Basic Life Insurance (1 times salary r $50,000) Y-12 nn-bargaining and FCLT emplyees hired after 1/1/2012 and thse hired prir t 1/1/2012 wh vluntarily elected: first day at wrk. Y-12 nn-bargaining and FCLT bargaining unit emplyees hired after 1/1/2012 and thse hired prir t 1/1/2012 wh vluntarily elected: first day at wrk. Cmpany pays. Basic Life Insurance (2 times salary) Y-12 nn-bargaining and FCLT bargaining unit emplyees hired prir t 1/1/2012 wh Y-12 nn-bargaining and FCLT bargaining unit emplyees hired prir t 1/1/2012 wh did nt elect Yu and the Cmpany share the cst. SPD Abut Yur Benefits 04/01/2018 1-4
Benefit Plan Eligible Cverage Begins Wh Pays? did nt elect reduced cverage. reduced cverage. ATLC, IGUA, and USW bargaining unit emplyees: first day f wrk. ATLC, IGUA, and USW bargaining unit emplyees: first day f wrk. Basic Accidental Death & Dismemberment (AD&D) Insurance (1 times salary r $50,000) All emplyees except ATLC, IGUA, and USW bargaining unit emplyees: first day at wrk. All emplyees except ATLC, IGUA, and USW bargaining unit emplyees: first day at wrk. Cmpany pays. Vluntary AD&D Insurance All nn-bargaining and FCLT bargaining unit emplyees: first day at wrk. All nn-bargaining and FCLT bargaining unit emplyees: first day at wrk. Yu pay. Special Accident Insurance ATLC, IGUA, PGU, and USW bargaining unit emplyees: first day at wrk ATLC, IGUA, PGU, and USW bargaining unit emplyees: first day at wrk. Yu pay. Grup Universal Life (GUL) Insurance (Includes Spuse and Child Life) All emplyees: first day at wrk. All emplyees: first day at wrk. Yu pay. Business Travel Accident Insurance All emplyees: first day at wrk. All emplyees: first day at wrk. Cmpany pays. 401(k) Savings Plan All emplyees: first day at wrk. All emplyees: first day at wrk. Yu and the Cmpany share the cst. Enhanced Defined Cntributin Savings Plan All emplyees nt eligible fr the Pensin Plan: first day at wrk. All emplyees nt eligible fr the Pensin Plan: first day at wrk. Cmpany pays. Pensin Plan (Clsed t new participants) All eligible Pantex emplyees as defined in the Pensin Plan: after cmpleting ne year f service. All eligible Y-12 emplyees as defined in the Pensin Plan: first day f wrk. All eligible Pantex emplyees as defined in the Pensin Plan: after cmpleting ne year f service. All eligible Y-12 emplyees as defined in the Pensin Plan: first day f wrk. Yu and the Cmpany share the cst. Exceptin: MTC, PGU, and IGUA Security Plice Officer emplyees d nt share in the cst. All emplyees: first day at wrk. All emplyees: first day at wrk. Severance Plan Exceptin: Temprary emplyees are nt eligible. Exceptin: Temprary emplyees are nt eligible. Cmpany pays. SPD Abut Yur Benefits 04/01/2018 1-5
Part-Time Emplyees and Full-Time Temprary Emplyees Hired t Wrk Less Than 12 Mnths Benefit Plan Eligible Cverage Begins Wh Pays? Medical (including Prescriptin Drugs) All emplyees: after fur mnths f service. All emplyees: after fur mnths f service prvided yu enrll within 31 days. Yu and the Cmpany share the cst. Dental All emplyees: after fur mnths f service. All emplyees: after fur mnths f service prvided yu enrll within 31 days. Yu and the Cmpany share the cst. Visin All emplyees: after fur mnths f service. All emplyees: after fur mnths f service prvided yu enrll within 31 days. Yu and the Cmpany share the cst. Emplyee Assistance Prgram All emplyees: first day at wrk. All emplyees: first day at wrk. N enrllment required. Cmpany pays. Flexible Spending Accunts All emplyees: after fur mnths f service. All emplyees: after fur mnths f service prvided yu enrll within 31 days. Yu pay. Nn-bargaining emplyees: after ne mnth f service. Nn-bargaining emplyees: after ne mnth f service. Shrt-Term Disability Bargaining unit emplyees: refer t yur cllective bargaining agreement. Bargaining unit emplyees: refer t yur cllective bargaining agreement. Cmpany pays. All emplyees: first day at wrk. Basic Lng-Term Disability All emplyees: first day at wrk. Yu must exhaust Shrt-Term Disability benefits first. Cmpany pays. Lng-Term Disability Buy-Up All emplyees except PGU and IGUA Security Plice Officers: first day at wrk. All emplyees except PGU and IGUA Security Plice Officers: first day at wrk. Yu must exhaust Shrt-Term Disability benefits first. Yu pay. All Pantex emplyees: first day at wrk. All Pantex emplyees: first day at wrk. Basic Life Insurance (1 times salary r $50,000) Y-12 nn-bargaining and FCLT emplyees hired after 1/1/2012 and thse hired prir t 1/1/2012 wh vluntarily elected: first day at wrk. Y-12 nn-bargaining and FCLT bargaining unit emplyees hired after 1/1/2012 and thse hired prir t 1/1/2012 wh vluntarily elected: first day at wrk. Cmpany pays. Basic Life Insurance (2 times salary) Y-12 nn-bargaining and FCLT bargaining unit emplyees hired Y-12 nn-bargaining and FCLT bargaining unit emplyees hired prir t 1/1/2012 wh did nt elect Yu and the Cmpany share the cst. SPD Abut Yur Benefits 04/01/2018 1-6
Benefit Plan Eligible Cverage Begins Wh Pays? prir t 1/1/2012 wh did nt elect reduced cverage. reduced cverage. ATLC, IGUA, and USW bargaining unit emplyees: first day f wrk. ATLC, IGUA, and USW bargaining unit emplyees: first day f wrk. Basic Accidental Death & Dismemberment (AD&D) Insurance (1 times salary r $50,000) All emplyees except ATLC, IGUA, and USW bargaining unit emplyees: first day at wrk. All emplyees except ATLC, IGUA, and USW bargaining unit emplyees: first day at wrk. Cmpany pays. Vluntary AD&D Insurance All nn-bargaining and FCLT bargaining unit emplyees: first day at wrk. All nn-bargaining and FCLT bargaining unit emplyees: first day at wrk. Yu pay. Special Accident Insurance ATLC, IGUA, PGU, and USW bargaining unit emplyees: first day at wrk. ATLC, IGUA, PGU, and USW bargaining unit emplyees: first day at wrk. Yu pay. Grup Universal Life (GUL) Insurance (Includes Spuse and Child Life) All emplyees: first day at wrk. All emplyees: first day at wrk. Yu pay. Business Travel Accident Insurance All emplyees: first day at wrk. All emplyees: first day at wrk. Cmpany pays. 401(k) Savings Plan All emplyees: first day at wrk. All emplyees: first day at wrk. Yu and the Cmpany share the cst. Enhanced Defined Cntributin Savings Plan All emplyees nt eligible fr the Pensin Plan: first day at wrk. All emplyees nt eligible fr the Pensin Plan: first day at wrk. Cmpany pays. Pensin Plan (Clsed t new participants) All eligible Pantex emplyees as defined in the Pensin Plan: after cmpleting ne year f service. All eligible Y-12 emplyees as defined in the Pensin Plan: first day f wrk. All eligible Pantex emplyees as defined in the Pensin Plan: after cmpleting ne year f service. All eligible Y-12 emplyees as defined in the Pensin Plan: first day f wrk. Yu and the Cmpany share the cst. Exceptin: MTC, PGU, and IGUA Security Plice Officer emplyees d nt share in the cst. Severance Plan All emplyees: first day at wrk. Exceptin: Temprary emplyees are nt eligible. All emplyees: first day at wrk. Exceptin: Temprary emplyees are nt eligible. Cmpany pays. SPD Abut Yur Benefits 04/01/2018 1-7
Enrllment Sme benefits are prvided autmatically, and thers require enrllment. Benefits with n enrllment required: Emplyee Assistance Prgram Shrt-Term Disability Basic Lng-Term Disability Business Travel Accident Insurance Pensin Plan (Clsed t new participants) Enhanced Defined Cntributin, cmpnent t the 401(k) Savings Plan Basic Life Insurance (nn-bargaining, FCLT, MTC, and PGU bargaining unit emplyees nly) Basic Accidental Death and Dismemberment (nn-bargaining, FCLT, MTC, and PGU bargaining unit emplyees nly) Yu may elect the fllwing benefits when yu are first eligible: Medical (including Prescriptin Drugs) Dental Visin T Enrll: Flexible Spending Accunts (Health Care and Dependent Care) Basic Life Insurance (ATLC, IGUA, and USW bargaining unit emplyees nly) Grup Universal Life Insurance (including Spuse and Child life insurance) Vluntary Accidental Death and Dismemberment (nn-bargaining and FCLT bargaining unit emplyees nly) Special Accident Insurance (ATLC, IGUA, PGU, and USW bargaining unit emplyees nly) 401(k) Savings Plan Lng-Term Disability Buy-Up (excludes IGUA Security Plice Officers and PGU bargaining unit emplyees) T participate in these benefits yu must enrll with the Cmpany. Fr the 401(k) Savings Plan and GUL plans, yu must enrll thrugh the applicable vendr websites. Enrll yurself and Eligible Dependents (if applicable) Authrize the Cmpany t deduct frm yur Pay yur share f the cverage yu elect Enrllment infrmatin is available frm the Benefit Plans Office r website. When yu begin wrk fr the Cmpany, the GUL vendr and 401(k) Savings Plan recrd keeper will be ntified f yur emplyment and yu will then be able t lgn t their websites t enrll. Nte: As a participant in the life insurance, accident insurance, r the 401(k) Savings Plan, yu must name a Beneficiary t receive any benefits that may becme payable in the event f yur death. When Yu May Elect Cverage Yu may elect benefits cverage when yu first becme eligible. Yu als may enrll fr sme benefit plans during the annual Open Enrllment perid. The annual Open Enrllment is held typically during Octber r Nvember fr cverage effective the fllwing January 1. SPD Abut Yur Benefits 04/01/2018 1-8
When Cverage Begins New Hires If yu enrll as a newly hired emplyee, yur cverage will begin accrding t the fllwing chart, prvided yu meet the plan s eligibility requirements. Any cverage yu elect fr yur Eligible Dependents will begin n the same day yur cverage begins. Benefit Plan Medical (including Prescriptin Drugs), Dental, and Visin Emplyee Assistance Prgram (EAP) Flexible Spending Accunts Shrt-Term Disability Lng-Term Disability Yur Cverage Will Begin Full-Time Emplyees and Full-Time Temprary Emplyees hired t wrk at least 12 mnths: n yur first day f wrk, prvided yu enrll within 31 days f that date. If yu d nt enrll within 31 days after yu first becme eligible, yu will have t wait until Open Enrllment t enrll. Yur cverage will becme effective the first day f the plan year fllwing Open Enrllment, currently January 1. Electin and enrllment changes made as a result f a Qualifying Life Event must be made within 31 days f the event. In this case, cverage is effective n the Qualifying Life Event date. Part-Time Emplyees and Full-Time Temprary Emplyees hired t wrk less than 12 mnths: n the first day f wrk fllwing fur mnths f service, prvided yu enrll within 31 days f that date. If yu d nt enrll within 31 days after yu first becme eligible, yu will have t wait until Open Enrllment t enrll. Yur cverage will becme effective the first day f the plan year fllwing Open Enrllment, currently January 1. Electin and enrllment changes made as a result f a Qualifying Life Event must be made within 31 days f the event. In this case, cverage is effective n the qualifying event date. See the nte related t newbrns in the sectin belw. On yur first day f wrk. Payrll deductins begin as sn as administratively pssible and in accrdance with IRS rules fllwing yur electin; hwever, yu may claim eligible expenses incurred n r after yur date f hire r n the date f the Qualifying Life Event. Full-Time Temprary Emplyees are eligible after fur mnths f service. Befre and after-tax deductins are made based n IRS rules. Part-Time Emplyees are nt eligible. Refer t the Disability Cverage sectin. On yur first day f wrk if yu are a Full-Time Emplyee r Temprary Emplyee hired t wrk at least 12 mnths r after fur mnths f service if yu are a Full-Time Temprary Emplyee and were hired t wrk less than 12 mnths r a Part-Time Emplyee wh has cmpleted fur mnths f service. All Pantex emplyees, Y-12 nn-bargaining, and FCLT bargaining unit emplyees are autmatically cvered fr Basic Life Insurance cverage. N enrllment actin is necessary. Basic Life Insurance Basic Accidental Death & Dismemberment (AD&D) Life Insurance Fr ATLC, IGUA, and USW bargaining unit emplyees cverage begins n the day yu enrll, prvided yu enrll within 31 days after yu becme eligible. Otherwise, satisfactry evidence f insurability must be apprved by the insurance cmpany befre cverage can begin. All Pantex emplyees, Y-12 nn-bargaining, and FCLT bargaining unit emplyees are autmatically cvered fr Basic AD&D cverage. Enrllment is required fr additinal Vluntary AD&D cverage. SPD Abut Yur Benefits 04/01/2018 1-9
Benefit Plan Vluntary AD&D Insurance Grup Universal Life Insurance Special Accident Insurance Business Travel Accident Insurance 401(k) Savings Plan Pensin Plan (Clsed t new hires) Yur Cverage Will Begin All nn-bargaining and FCLT bargaining unit emplyees cverage begins n the day yu enrll, prvided yu enrll within 31 days after yu becme eligible. On the day yu enrll, prvided yu enrll within 31 days after yu becme eligible. Otherwise, satisfactry evidence f insurability must be apprved by the insurance cmpany befre cverage can begin. On the first day f the mnth after yu enrll (ATLC, IGUA, PGU, and USW bargaining unit emplyees nly). On yur first day f wrk. Yur cntributins in the frm f payrll deductins will begin as sn as administratively pssible after yu enrll, generally within 31 days. On yur first day f wrk. When Yu May Change Yur Electins Yu may add r change cverage fr Basic Life, Accidental Death and Dismemberment, and GUL (including Spuse and Child life) insurance with an apprved statement f health. If eligible, yu may add r change Special Accident Insurance at any time. Yu may cancel these cverages at any time. Yu may change mst 401(k) Savings Plan electins at any time by calling the 401(k) Savings Plan recrd keeper. There are limited circumstances under which yu may change ther benefit electins. Other electin changes can be made annually during the Open Enrllment perid, r within 31 days f a Qualifying Life Event r qualifying significant change in cst r in cverage. Yu are bligated t submit prf f dependent status fr a Spuse and Child(ren), which includes a birth certificate, Scial Security card, marriage certificate, and ther dcuments needed t prve eligibility. If yu wuld like t request a mid-year electin change because f a Qualifying Life Event, yu must cmplete a change frm and return it t the Benefit Plans Office within 31 days f the event. Yu may enrll a newbrn r newly adpted Child fr dental cverage at any time until the Child is ne year f age. Otherwise, the Child can nly be enrlled during Open Enrllment. Reference t a 31-day time limit in this bk means calendar days. The 31-day perid begins n the day f the event and ends 30 days thereafter. Hlidays and weekends are included in the 31-day perid. Electins must be received in the Benefit Plans Office by clse f business n day 31 in rder t be accepted. Changes at Other Times Qualifying Life Events If yu elected after-tax cntributins fr medical, dental, and/r visin cverage, yu may cancel that cverage any time during the year, fr any reasn. Hwever, yu may nly change yur befre-tax medical, dental, and visin cntributins, as well as yur flexible spending accunt cntributins, during the year nly n accunt f and cnsistent with a Qualifying Life Event r when certain significant changes in cst r in cverage happen. A change during the year must be made within 31 days f the Qualifying Life Event. SPD Abut Yur Benefits 04/01/2018 1-10
A Qualifying Life Event includes: Marriage, legal separatin, annulment, r divrce The death f yur Spuse r Child The birth r adptin (r placement fr adptin) f a Child The lss r gain f benefit eligibility f yur Child The terminatin r cmmencement f emplyment f yu, yur Spuse, r Child Reductin r increase in hurs f emplyment f yu, yur Spuse, r Child, including a switch between part-time and full-time, a strike r lckut, r cmmencement f r return frm unpaid leave f absence A change in health cverage due t yur Spuse s emplyment A special enrllment perid under the grup health plan as required by law A Qualified Medical Child Supprt Order that requires yur Child t be cvered under the grup medical, visin, and/r dental plan Yu, yur Spuse, r Child becmes eligible (r lses eligibility) fr Medicare r Medicaid Invluntary lss f ther grup health plan cverage Birth f a Child: A newbrn Child f an Emplyee is autmatically cvered under the medical plan fr 31 days. Yu must cmplete the Child s enrllment thrugh the Benefit Plans Office within 31 days f the end f the state-mandated cverage t cntinue t cver the newbrn. Newbrns are added the effective date f birth, if enrllment is received within 31 days f the date f birth. If beynd 31 days but within 61 days, cverage is effective the 1 st day f the mnth fllwing the date the enrllment frm is submitted. Otherwise, yu will have t wait until Open Enrllment t enrll the newbrn, and the cverage will nt be effective until the next January 1. REMINDER: Enrllment must be cmpleted AND submitted t the Benefit Plans Office within 31 days f any Qualifying Life Event. THIS INCLUDES THE BIRTH OF A CHILD. Otherwise, yu will have t wait until Open Enrllment t enrll the newbrn, and the cverage will nt be effective until the next January 1. SPD Abut Yur Benefits 04/01/2018 1-11
Belw are examples f electin changes that are cnsistent with a Qualifying Life Event. Example f Electin Changes Cnsistent with a Qualifying Life Event With this Qualifying Life Event Marriage, birth, adptin, r placement fr adptin f a Child Divrce, legal separatin, r annulment (Nte: Yu must cancel cverage fr an ex-spuse within 31 days f divrce. He/she is n lnger an Eligible Dependent under the Cmpany s plans.) Death f yu, yur Spuse, r a Child Invluntary lss f ther grup medical cverage Yur Child ceases t be a dependent (due t age) Yu can make these changes, if cnsistent* Add yurself, yur Spuse, and/r Child(ren); drp cverage if yu are t be cvered by yur Spuse s plan Drp yur Spuse and/r Children; add cverage if yu had been cvered under yur Spuse s plan Drp cverage fr Spuse r Child; add cverage if yu had been cvered by yur Spuse s emplyer Add cverage Drp dependent cverage * Fr yur electin t be effective, the Plan Administratr must determine that yur requested mid-year change is cnsistent with the Qualifying Life Event. Yu are bligated t submit prf f dependent status fr Child(ren) and yur Spuse, which includes a birth certificate, Scial Security card, marriage certificate, and ther dcuments needed t prve eligibility. Health Insurance Prtability and Accuntability Act If yu r yur Eligible Dependent experiences a special enrllment event, yu r yur Eligible Dependent may be entitled t enrll in ne f these plans utside f a designated Open Enrllment perid. If yu are already enrlled, yu may request enrllment fr yu and yur Eligible Dependent under any f these plans fr which yu are eligible. Yu must request special enrllment within 31 days f the Qualifying Life Event. The special enrllment events may include the fllwing: Acquiring a new dependent Lss f eligibility fr State Medicaid r Children s Health Insurance Prgram (CHIP) Lss f eligibility fr ther cverage, including COBRA exhaustin Terminatin f active emplyee/emplyer cntributins Changes in Cst r Cverage In additin, if there is a significant change in the cst f cverage f a benefit ptin, yu may be entitled t make a crrespnding change in yur electin within 31 days f the event (except with respect t the health care spending accunt). If a new benefit ptin is added r significantly imprved r is curtailed by the Cmpany r by yur dependent s emplyer, yu may be permitted t make a crrespnding new electin. Changes t yur health care spending accunt are nt allwed by law fr these reasns. If yu cntribute t the dependent care flexible spending accunt and there is a significant increase r decrease in the cst f services by a day care prvider wh is nt yur relative, yu may be able t make crrespnding changes t yur cntributin electin fr yur dependent care spending accunt by submitting a new electin within 31 days f the change. If yur dependent care prvider changes r services are significantly curtailed, yu may be able t change yur electin within 31 days. SPD Abut Yur Benefits 04/01/2018 1-12
Fr example, if mid-year yur mther will begin taking care f yur Child at n cst and yu n lnger need yur current dependent care center, yu can revke yur electin t cntribute t the dependent care spending accunt due t a significant change in cverage. Hwever, if yur mther wants a raise mid-year, yu cannt increase yur cntributins t this accunt due t a change in cst because she is yur relative. In additin, if annual enrllment fr yur Spuse is fr a perid f cverage ther than the calendar year, yu may be permitted t make a crrespnding electin change under this plan during yur Spuse s enrllment perid. Fr example, if yu elect family medical cverage and in May yur Spuse elects cverage under his r her emplyer plan fr May 1 April 30, yu can drp yur Spuse frm ur medical plan by submitting an electin change by May 31. Please be aware that if the cst f a benefit ptin that yu pay n a pre-tax basis increases r decreases during a year (but nt significantly), yur electin will be autmatically changed t reflect the change in the cst f cverage. Hw Changes Affect Yur Benefits Steps t Take If Yu Get Married r Divrced If Yu Get Married Ntify the Benefit Plans Office and yur Cmpany s Persnnel Security department t update yur persnnel recrds. Review yur Spuse s benefits s yu can crdinate cverage t yur best advantage. If yu are adding yur Spuse t yur medical, dental, and/r visin cverage, a cpy f yur marriage certificate, as well as a cpy f his/her Scial Security card is required. Change yur benefit electins within 31 days f yur marriage. Cnsider increasing yur cntributins t the health care spending accunt, s yu can pay fr yur Spuse s unreimbursed medical, dental, and visin expenses with befre-tax dllars. Update yur life and accident insurance beneficiary recrds. Cnsider enrllment in Grup Universal Life insurance. Update yur 401(k) Savings Plan beneficiary recrds. Keep in mind that if yu have been married fr at least ne year and yu want t designate smene ther than yur Spuse as yur Beneficiary, yu must have yur Spuse s written and ntarized cnsent. Cntact the 401(k) Savings Plan recrd keeper fr mre infrmatin. If Yu Get Divrced r Legally Separated Ntify the Benefit Plans Office and yur Cmpany s Persnnel Security department t update yur persnnel recrds. Change yur benefit electins within 31 days after the date yur divrce r legal separatin is final. Yu must submit a cpy f the final divrce r legal separatin decree in rder t drp cverage fr yur ex-spuse. Yur ex-spuse is eligible t cntinue medical, dental, and visin cverage fr up t 36 mnths thrugh COBRA. Yu r yur ex-spuse have 60 days t ntify the Benefit Plans Office in rder t btain COBRA benefits. See the Administrative Infrmatin sectin. Yu may als add yur Eligible Dependents t yur medical, dental, and visin cverage if a curt establishes that yu must prvide cverage fr dependent Children wh previusly had cverage prvided by yur ex-spuse. Yu must prvide sufficient dcumentatin t establish dependent eligibility and receive apprval thrugh the Benefits Plans Office. SPD Abut Yur Benefits 04/01/2018 1-13
Evaluate life insurance cverage. Update yur life insurance and accident insurance Beneficiary recrds. Beneficiary frms are available frm the Benefit Plans Office r the Benefit Plans website. Cntact the 401(k) Savings Plan recrd keeper fr mre infrmatin abut updating yur Beneficiary. Cntact the Benefit Plans Office if yu think a curt may issue a Qualified Dmestic Relatins Order (QDRO) granting yur frmer Spuse the right t receive any pensin r 401(k) Savings Plan benefits. Yu will be sent imprtant infrmatin abut the prcedures and requirements fr QDROs. Call the Emplyee Assistance Prgram if yu need help with a persnal, family, r marital prblem. Steps t Take If Yu Are Expecting r Adpting a Child Yu shuld cntact the Benefit Plans Office t ask abut the steps that shuld be taken, and the deadlines that must be met in rder t add a newbrn r adpted Child t yur cverage. Ntify yur supervisr and the Benefit Plans Office fr guidance n Family Medical Leave Act ptins. When Yur Child Arrives A newbrn Child f a cvered participant is autmatically cvered under the medical plan fr 31 days. Enrll yur newbrn r newly adpted Child fr medical, dental, and visin benefits within 31 days s yur Child s medical expenses will be cvered frm the date f birth r adptin. Otherwise, yu will have t wait until Open Enrllment t enrll the newbrn, and the cverage will nt be effective until the next January 1. Yu must prvide a cpy f the Child s birth certificate, Scial Security card, and legal dcumentatin fr adptin. Call the Benefit Plans Office fr additinal guidance n hw t add yur newbrn r adpted Child. Cnsider beginning r increasing yur cntributins t the flexible spending accunts, s yu can pay fr yur Child s unreimbursed medical expenses and Child care expenses with befre-tax dllars. Evaluate life insurance cverage. Update yur life insurance and accident insurance beneficiary recrds as needed. YOU MUST COMPLETE AND RETURN ENROLLMENT FORMS WITHIN 31 DAYS OF THE BIRTH OF YOUR CHILD TO ENSURE CONTINUOUS COVERAGE. Steps T Take If Yu Becme Disabled If Yu Becme Disabled and Cannt Wrk Ntify yur supervisr, either in persn r by telephne, in advance if yu cannt reprt t wrk. If yu cannt reach yur supervisr, ntify yur Shift Superintendent. Cntact The Reed Grup t initiate a disability claim. See Cntact Infrmatin. PGU bargaining unit emplyees shuld cntact the Benefit Plans Office. Cmply with requests fr infrmatin frm The Reed Grup as lng as yu are away frm wrk. Receive Shrt-Term Disability benefits fr up t six mnths f disability (if eligible). If yur SPD Abut Yur Benefits 04/01/2018 1-14
disability cntinues lnger than six mnths r 26 weeks, yu can apply fr Lng-Term Disability benefits. The Reed Grup will prvide yu with infrmatin n hw t apply. Cmplete applicatin fr Lng-Term Disability benefits and prvide physician s infrmatin as requested by the Lng-Term Disability vendr. Claim frms will be prvided t yu by the Lng-Term Disability vendr. Apply fr any ther disability benefits that may be payable (such as Scial Security, Wrkers Cmpensatin, state r individual disability benefits, and aut insurance recveries). The terms Shrt-Term and Lng-Term Disability are defined in the Disability sectin. What Happens t Yur Benefits If Yu Becme Disabled Medical (Including Prescriptin Drugs), Dental, and Visin During Shrt-Term Disability, cverage cntinues. Cntributins are deducted frm yur disability benefits if available. Otherwise, yu will be inviced fr any utstanding cntributins. During Lng-Term Disability, Pantex emplyees eligible fr retirement may cntinue medical cverage fr up t 10 years r age 65 whichever is earlier. Fr Pantex Emplyees nt eligible fr retirement, medical cverage may be cntinued under COBRA prvisins. Y-12 emplyee cverage may cntinue up t the first f the mnth fllwing the end f yur Lng-Term Disability cverage, prvided yu cntinue t pay the required premium. Emplyee Assistance Prgram During Shrt-Term Disability, yu may cntinue t access the services f the Emplyee Assistance Prgram. Health Care Spending Accunt During Shrt-Term Disability, participatin cntinues as lng as yu make cntributins. Claims may be submitted fr expenses incurred during the perid f yur disability. During Lng-Term Disability, participatin ends unless yu elect t cntinue cntributing fr the rest f the calendar year n an after-tax basis thrugh COBRA. Dependent Care Spending Accunt During Shrt-Term Disability, participatin cntinues as lng as yu make cntributins. Claims may be submitted fr expenses incurred during yur disability if yu are unable t care fr yur Eligible Dependent. During Lng-Term Disability, participatin ends. Shrt-Term and Lng-Term Disability Shrt-Term Disability prvides benefits fr up t six mnths r 26 weeks f disability, depending n yur length f service. Lng-Term Disability benefits are determined as a percentage f yur mnthly Pay. Depending upn yur emplyee classificatin, the Lng-Term Disability benefit may be ffset by Scial Security and ther payable benefits. Eligibility fr benefits is defined in the Disability Cverage sectin. Basic Life Insurance and Accidental Death and Dismemberment Insurance During Shrt-Term Disability and Lng-Term Disability, cverage cntinues at the level in effect at the time yur disability began as lng as yu meet the disability requirements f the basic life and AD&D insurance plans, r until yu reach age 65. After 13 weeks f SPD Abut Yur Benefits 04/01/2018 1-15
disability, this cverage is prvided at n cst t ATLC, IGUA, and USW bargaining unit emplyees. Grup Universal Life (including Spuse and Child Life Insurance) Cverage cntinues as lng as yu pay any applicable premiums t the vendr. Business Travel Accident Insurance During Shrt-Term Disability and Lng-Term Disability, cverage ends. Hwever, if within 100 days f a cvered accident yu becme ttally and permanently disabled as a result f an injury sustained in the accident, yu will receive a lump-sum payment f fur times yur annual Pay after yu have been ttally and permanently disabled fr 12 cnsecutive mnths. Special Accident Insurance (ATLC, IGUA, PGU, and USW Bargaining Unit Emplyees Only) During Shrt-Term Disability, cverage cntinues. During Lng-Term Disability, cverage cntinues up t 12 mnths prvided yu pay the premiums. Pensin Plan During Shrt-Term Disability, any required emplyee cntributins t the Pensin Plan cntinue. During Lng-Term Disability, required emplyee cntributins will cease. 401(k) Savings Plan During Shrt-Term Disability, cntributins cntinue. During Lng-Term Disability, cntributins cease. In case f ttal disability, yu becme 100% vested in all available funds. Steps t Take If Yu Leave the Cmpany If Yu Leave the Cmpany Ntify yur supervisr. Yu may apply fr COBRA within 60 days f yur terminatin if yu wish t cntinue medical (including prescriptin drugs), dental, and visin cverage r t cntinue participatin in the health care flexible spending accunt. Yu may cnvert yur basic life insurance t a private plicy within 30 days f yur terminatin if yu wish t cntinue this type f cverage. Yur basic life and AD&D cverage is als prtable. Cntact MetLife fr infrmatin n cntinuing yur Grup Universal Life insurance. Decide whether t leave yur accunt balance in the 401(k) Savings Plan, rllver t anther qualified plan, r take a distributin. Ntify the Benefit Plans Office if yur address changes. What Happens t Yur Benefits If Yu Leave the Cmpany Medical (Including Prescriptin Drugs) Cverage ends n the last day f the mnth in which yur emplyment terminates. Yu r SPD Abut Yur Benefits 04/01/2018 1-16
yur dependents may cntinue cverage fr up t 18 mnths thrugh COBRA, unless yu are discharged fr grss miscnduct. Dental Cverage ends n the last day f the mnth in which yur emplyment terminates. Hwever, additinal benefits may be payable, if yu are underging a curse f treatment at the time f terminatin. In additin, yu r yur dependents may cntinue cverage fr up t 18 mnths thrugh COBRA, unless yu are discharged fr grss miscnduct. Visin Cverage ends n the last day f the mnth in which yur emplyment terminates. Yu r yur dependents may cntinue cverage fr up t 18 mnths thrugh COBRA, unless yu are discharged fr grss miscnduct. Emplyee Assistance Prgram Cverage ends upn terminatin. Flexible Spending Accunts Cverage ends upn terminatin. Yu may submit health care spending accunt claims and dependent care spending accunt claims fr expenses incurred befre yur terminatin. Yu may cntinue yur health care spending accunt participatin n an after-tax basis thrugh the end f the calendar year f the COBRA event, and submit claims fr expenses incurred during the perid yu cntinue t make cntributins. Disability Cverage ends upn terminatin. Basic Life and Accidental Death and Dismemberment (AD&D) Insurance Cverage ends upn terminatin. Yu may cnvert yur basic life and special accident insurance t individual plicies. Basic life and AD&D insurance cverage is prtable. Grup Universal Life Insurance Cverage ends upn terminatin. Cntact MetLife fr infrmatin n cntinuing yur Grup Universal Life insurance after terminatin. Pensin Plan Emplyee cntributins, if applicable, will end upn terminatin. Yu will receive benefits if yu are vested in the Pensin Plan. 401(k) Savings Plan Cntributins end upn terminatin. Yu may chse t receive a payut f yur full vested accunt balance, rllver t anther qualified plan, r yu may leave it in the 401(k) Savings Plan. Any utstanding lans must be paid within plan requirements. Otherwise, the utstanding lan balance will be treated as a taxable distributin t yu. Yur 401(k) Savings Plan distributin is subject t a mandatry 20% tax withhlding unless it is paid as a direct rllver int an individual retirement accunt r anther qualified plan within 60 days. Cntact the 401(k) Savings Plan recrd keeper fr additinal infrmatin. SPD Abut Yur Benefits 04/01/2018 1-17
Steps t Take If Yu Retire If Yu Are Abut t Retire Ntify yur supervisr. If yu are pensin eligible, call the Benefit Plans Office t receive retirement cunseling and cmplete necessary frms t initiate yur pensin benefit. If yu retire befre age 65 and are eligible t cntinue pst-retirement benefits, yu may elect medical (including prescriptin drugs), dental, visin, and life insurance cverage. If yu retire at age 65 r later, yu may enrll in the Retiree Health Exchange. Yu must make yur benefit electins immediately upn retirement. Call the 401(k) Savings Plan recrd keeper fr infrmatin n hw t receive a payut f yur full vested accunt balance, rllver t anther qualified plan, r leave yur accunt balance in the 401(k) Savings Plan. Any utstanding lans must be paid within plan requirements. Otherwise, the utstanding lan balance will be treated as a taxable distributin t yu. Cntact yur Scial Security ffice fr an estimate f yur benefits and infrmatin abut Medicare if yu r yur Spuse is age 65 r lder. What Happens t Yur Benefits If Yu Retire and are Eligible fr Pensin and Pst-Retirement Benefits Pantex Medical (Including Prescriptin Drugs), Dental, and Visin If yu had at least 10 years f full-time service under the Pensin Plan and were at least age 55 at the time f yur retirement, yu may elect t cntinue cverage fr yurself and yur Eligible Dependents. Cverage may cntinue until the first f the mnth fllwing yur 65 th birthday. Yu must pay any cst required by the Cmpany fr the cntinued cverage. When yu reach age 65, cverage ends and yu becme eligible fr the Retiree Health Exchange. Yu may elect t cntinue cverage under the plans fr an enrlled yunger Spuse and ther enrlled Eligible Dependents fr a maximum f 10 years frm yur retirement date r yur Spuse s 65 th birthday, whichever is earlier. If yur Spuse reaches age 65 befre yu, yu may cntinue cverage fr the Spuse until yu reach age 65. Dependent Child(ren) cverage ends when bth yu and yur Spuse are n lnger eligible fr the pre-65 retiree plans. They may be eligible t cntinue cverage under COBRA. Y-12 Medical (Including Prescriptin Drugs), Dental, and Visin If yu had at least 10 years f full-time service under the Pensin Plan and were at least age 50 at the time f yur retirement, yu may elect t cntinue cverage fr yurself and yur Eligible Dependents. Cverage may cntinue until the first f the mnth f yur 65 th birthday. Yu must pay any cst required by the Cmpany fr the cntinued cverage. When yu reach age 65, cverage ends and yu becme eligible fr the Retiree Health Exchange. Yu may elect t cntinue cverage under the plans fr an enrlled yunger Spuse and ther enrlled Eligible Dependents until yur Spuse reaches age 65. If yur Spuse reaches age 65 befre yu, the Spuse s medical cverage will end and yur Spuse will be eligible fr the Retiree Health Exchange. Fr dental and visin, yu may cntinue spuse cverage until yu reach age 65. SPD Abut Yur Benefits 04/01/2018 1-18
Dependent Child(ren) cverage ends when bth yu and yur Spuse are n lnger eligible fr the pre-65 retiree plans. They may be eligible t cntinue cverage under COBRA. If yu had less than 10 years f full-time service under the Pensin Plan and were at least age 50 at the time f yur retirement, yu may elect t cntinue cverage fr yurself and yur Eligible Dependents. Hwever, yu must pay the full cst fr the cntinued cverage. Emplyee Assistance Prgram Cverage ends upn retirement. Flexible Spending Accunts Yu may cntinue t cntribute t the health care spending accunt n an after-tax basis until the end f the calendar year f the COBRA event, which is yur retirement effective date. Participatin in the dependent care spending accunt ends upn retirement. Yu may submit health care spending accunt claims fr eligible expenses incurred after yu retire nly if yu cntinue under COBRA prvisins. Disability Cverage ends upn retirement. Basic Life Insurance Life insurance cverage may be cnverted t a persnal plicy in accrdance with plan prvisins. Under plan prvisins, certain Y-12 emplyees electing t retire may chse t cntinue full cverage by paying the active emplyee premium rate r elect a reduced amunt f cverage at n cst. In all cases, cverage is reduced at age 65. The difference between the full and reduced cverage amunt may be cnverted t a persnal plicy. Accidental Death and Dismemberment (AD&D) Insurance Cverage ends upn retirement; hwever, the plan has a prtable feature yu may elect. Grup Universal Life Insurance (including Spuse and Child Life Insurance) Cverage ends upn retirement. Cntact MetLife fr infrmatin n cntinuing yur Grup Universal Life insurance. Pensin Plan Emplyee cntributins, if applicable, will end upn retirement. Yu will receive benefits if yu are vested in the Pensin Plan. Business Travel Accident Insurance Cverage ends upn retirement. Special Accident Insurance (ATLC, IGUA, PGU, and USW Bargaining Units Only) Cverage ends upn retirement; hwever, yu may cnvert yur cverage t a persnal plicy. SPD Abut Yur Benefits 04/01/2018 1-19
401(k) Savings Plan Cntributins end upn retirement. Yu may chse t receive a payut f yur full vested accunt balance, rllver t anther qualified plan, r yu may leave it in the 401(k) Savings Plan. Any utstanding lans must be paid within plan requirements. Otherwise, the utstanding lan balance will be treated as a taxable distributin t yu. Yur 401(k) Savings Plan distributin is subject t a mandatry 20% tax withhlding unless it is paid as a direct rllver int an individual retirement accunt r anther qualified plan within 60 days. Cntact the 401(k) Savings Plan recrd keeper fr additinal infrmatin. Steps T Take If Yu r a Family Member Dies In the Case f Yur Death A family member shuld ntify the Benefit Plans Office f yur death. The Benefit Plans Office will prvide guidance t yur apprpriate family member(s) n the applicable dcuments fr initiating benefits that may be available as a result f the death. Yur designated Beneficiary shuld cmplete a life insurance and/r special accident insurance claim frms. The cmpleted frms with a certified death certificate and ther supprting infrmatin shuld be sent t the Benefit Plans Office. If available, a family member may cnvert any family special accident insurance cverage t a persnal plicy within 30 days f the death if they wish t cntinue this cverage. The Beneficiary shuld cntact the insurance cmpany fr infrmatin n filing a claim and/r cntinuing Grup Universal Life insurance cverage. Eligible Dependents shuld decide whether t cntinue medical, dental, and visin cverage. The cst and the length f cntinuatin will be based upn yur full-time service at the time f death. Remember, the Emplyee Assistance Prgram is available t family members wh may need cunseling. If Yur Spuse r Dependent Dies Ntify the Benefit Plans Office. Cntact the insurance cmpany fr infrmatin n filing a Grup Universal Life claim, if applicable. Cmplete a special accident insurance claim frm if yu are enrlled fr family special accident insurance cverage and the death was accidental. Send the cmpleted frm(s) with a certified death certificate and ther supprting infrmatin t the Benefit Plans Office. Change yur medical (including prescriptin drugs), dental, visin, flexible spending accunt, life, and special accident insurance electins within 31 days f the death. Review yur Beneficiary electins fr life and accident insurance and the 401(k) Savings Plan. Remember, the Emplyee Assistance Prgram is available if yu r yur family members need cunseling. SPD Abut Yur Benefits 04/01/2018 1-20