2020Full-Time Benefit Guide Presented by the GPA- Human Resources Department GPA Team -
Thank you so much for your commitment to GPA’s mission to provide the highest -quality health care benefits possible.
Through your dedication to our clients and your commitment to excellence, you move mountains daily and make the impossible possible. You are our superheroes.
Together we are able to provide the most innovative benefits and customer service to our clients and brokers.
It is also very important to our organization that you are at your best health. My hope is that you will find the tools, savings and care you and your family need to live a healthy, happy life.
Thank you again for everything you do and I look forward to working with you to make 2020 GPA’s best year yet!
Sincerely,
Kathy Enochs, CEO
GPA Mission Statement
Strive to provide our clients more services than they expect with an attitude consistent with doing more than anticipated. Meet the demands of technology and managed care, but maintain the basic values on which the company was founded: Integrity, Quality, and Personalized Service. Ensure the future of the company so that it will prosper and continue to be a place where hardworking people can make their dreams a reality.
1 Contents
401(k) Retirement Plan ...... 71 Additional Company Benefits ...... 72 Paid Time Off (PTO) ...... 72 Tuition Reimbursement ...... 73 Holidays ...... 74 Funerals ...... 74 Jury/Witness Duty ...... 74 Newly Wed Day Off ...... 74 Investment Club ...... 74 Service Awards ...... 74 Gym Membership Reimbursement ...... 75 Employee Referral and Bonus Program ...... 75 GPA Shirts ...... 75 Building Concierge Service ...... 75 Special Perks ...... 75 Auto and Home Insurance - Liberty Mutual ...... 68 Balance Bill Credit and Collections FAQ ...... 19 Basic Life Insurance ...... 44 Benefit Information ...... 6 Business Travel Accident Insurance - Hartford ...... 43 Cost Plus ...... 18 Dental Benefits ...... 20 Dependent Care Flexible Spending Account ...... 37
ELAP Services/Imagine Health ...... 18
Dallas, San Antonio, Houston ...... 17 Eligibility ...... 10
Employee Assistance Program (EAP) ...... 49 Legal Services ...... 50 Financial Services...... 51 Online Work/Life and Wellness...... 52 Employee Health Benefit Plan ...... 13 Flexible Spending Accounts (FSA) ...... 37 Family Medical Leave ...... 46 GPA HealthWatch ...... 25 BeWell Commit to Be Fit Program ...... 26 Case Management ...... 32 Diabetes Direct Connect ...... 30
Disease Management ...... 29
2 Contents
Healthy Me & More ...... 28 Lifestyle Coaching ...... 31 Nurse Navigator ...... 33 Utilization Management ...... 32 Health Reimbursement Account (HRA) ...... 40 Health Savings Account (HSA)...... 39
Identity Theft Protection - ID Watchdog...... 69 Long-Term Care - UNUM ...... 44 Long-Term Disability Benefits -SunLife ...... 48 Medical Coverage ...... 36 Member Portal ...... 39 MetLife ...... 53 Accident...... 58 Auto ...... 54 Critical Illness ...... 63 Hospital ...... 60 Legal Services ...... 56 Mobile App ...... 40 My Pet Protection® ...... 70 Open Enrollment Procedure - BenefitHub ...... 7 Qualifying Events ...... 11 Short-Term Disability Benefits ...... 46 United Concierge Medicine ...... 23 Vision Benefits ...... 21 Who to Call ...... 4
3 Who to Call
Plan Phone Website/Email
401(k) – GPA Profit Sharing Plan 972-744-2309 Randy Farrow [email protected] United Concierge Medicine 844-484-7362 Customersupport@ucmnow. com
Cigna Dental Network Online Access Only www.CignaDentalSA.com Concierge Service 972-770-4045 www.texasconciergeconnect.com [email protected] MetLife 1-800-438-6388 www.metlife.com ELAP 1-800-977-7381 [email protected] Flexible Spending Account(FSA)/(Prescriptions) x2411 Melissa Maynard | [email protected] Dependent Care Account x2119 Maria Garza | [email protected] Nathan GPA Medical & Dental Questions x2179 Teplitzky | [email protected] Goldmine Investment Club 972-744-2309 Randy Farrow [email protected] GoodRx 1-844-329-3341 www.GoodRx.com Hartford- Business Travel Insurance 860-547-5000 www.thehartford.com Healthwatch 1-800-843-6705 [email protected] Health Reimbursement Account 972-744-2311 Randy Farrow (F) 972-587-1410 [email protected] Health Savings Account-Optum Bank 1-866-234-8913 www.optumbank.com ID Watchdog–Identity Theft Protection 1-800-970-5182 www.idwatchdog.com Interface EAP Legal – (713)-781-4327 www.4eap.com General–(800)-324-4327 Espanol – (800)-324-2490 Liberty Mutual 469-287-0155 Samantha Jo Baker [email protected] Medical Coverage GPA Holdings Inc. 1-800-827-7223 www.gpatpa.com My PetProtection® (877)-738-7874 http://www.petinsurance.com/gpatpa Sun Life – Long-Term Disability 1-800-247-6875 www.sunlife.com Insurance Superior Vision Ditto 1-800-507-3800 www.superiorvision.com www.ditto.com Symetra-Life Insurance 1-800-SYMETRA (796-3872) www.symetra.com The Benefits Hub Online Access Only www.mybenefitshub.com/gpaholding Unum – Life Insurance & AD&D 1-866-679-3054 www.unum.com Unum – Long-Term Care Insurance 1-800-227-4165 www.unum.com
4 Working Full-Time at GPA has its benefits!
In addition to the incredible group health benefits, here is an overview of the numerous, unique and special benefits of working full-time at GPA.
401(k) Flexible Spending Account (FSA) MetLife
9 Holidays Per Year FMLA My Pet Protection Basic AD&D Insurance Online Access to Payroll GPA Member Portal & Mobile App Basic Life Insurance Online Benefit Information Gym Membership Discount Business Travel Insurance Recruiting Bonus Health Savings/Reimbursement Corporate Care Onsite Clinic Account (HSA) Short-Term Disability
Dental Plan ID Watchdog Tuition Reimbursement United Concierge Medicine Direct Deposit Investment Club Vision Plan Employee Assistance Long-Term Disability Program (EAP) Voluntary Life Insurance Medical Plan
5 Benefit Information GPA’S FULL-TIME GROUP HEALTH BENEFITS GPA is focused on the best in health and wellness for all employees and their families, and we’ve devoted a lot of time to searching for the highest quality, most cost-effective benefits we can source for our employees. Please review this guide carefully to consider the best options for you and your family.
PAY PREMIUMS WITH PRE-TAX DOLLARS GPA participates in an IRS Section 125 plan that allows employees to pay for certain expenses with pretax dollars. Our plan allows you to pay for your medical, dental, vision, and FSA insurance deductions with pre-tax dollars through payroll deductions. Because you have the benefit of pre-tax deductions, you cannot cancel your coverage during the year unless you experience a qualifying Event, or during GPA’s Open Enrollment or the Affordable Care Act (ACA) Open Enrollment. Information regarding Qualifying Events will be explained later in this guide.
THEBENEFITSHUB Available24/7 at http://www.mybenefitshub.com/gpaholding • Review your benefit options during open enrollment • Access your benefit information, including group numbers and plan details, 24/7
SUMMARY PLAN DOCUMENTS (SPD) The Summary Plan Documents (SPD) provide detailed information concerning all of our full-time benefits. You can locate all SPDs for your review at the ADP PORTAL or Docushare. This Benefits Guide provides an overview of benefits available to our participants and their families. In the event of a discrepancy between the information presented in the Benefits Guide and the Summary Plan Document, the official Summary Plan Document will prevail. GPA reserves the right to change, amend or end any benefits at any time for any reason.
6 Open Enrollment Procedure LOGIN STEPS 1. Goto:www.mybenefitshub.com/gpaholding 2. Click Login 3. Enter Username & Password
All login credentials have been RESET to the default described below:
Username: The first six (6) characters of your last name, followed by the first letter of your first name, followed by the last four (4) digits of your Social Security Number.
If you have six (6) or less characters in your last name, use your full last name, followed by the first letter of your first name, followed by the last four (4) digits of your Social Security Number.
Default Password: Last Name (lowercase, excluding punctuation) followed by the last four (4) digits of your Social Security
Number. If you have trouble logging in, click on the “Login Help Video” for assistance.
Click on “Enrollment Instructions” for more information about how to enroll.
Employee Guide to Enroll in Benefits with THEbenefitsHUB
THEbenefitHUB gives you access to your benefit24 hours a day,7 days a week from anywhere that you have internet access. This guide is meant to see you through the simple enrollment process page-by-page, taking you through your enrollment screens and providing information on how to efficiently complete your enrollment walk through.
LOGGING IN Employee Usage Agreement: The Employee Usage Agreement is displayed when you login to the system as an employee. Read this section carefully as it contains disclaimer information and requires an “Electronic Signature.” By clicking the Continue button, you are agreeing to the terms.
• Change Password: When logging in for the first time, you will be prompted to update your password following your company’s password policy. Once your new password has been set, click the Save & Continue button.
7 DEMOGRAPHIC IN FORM ATI ON The Employee Information Entry process requires you to enter demographic information. You will need to review any pre- filled information for accuracy. Complete new or missing information and click on the Save & Continue button when you are ready to proceed to the next step.
Please Note: All fields in BOLD are required. • Personal Information: Enter an email address if you have one. If you need to use the Forgot Password link on the Login page, the system will deliver your new login credentials to this email address. • Emergency Information: Enter an emergency contact and the preferred contact method. • Dependent Information: To add a dependent, click on the icon. To edit an existing dependent, click on the icon or the name of the dependent listed. Click on the Save button after successfully adding information for each dependent. Please make sure to indicate if your child is a full-time student and/or claimed on your tax return as this could affect eligibility on some benefit plans. • To revisit any of the sections mentioned select the Back button to return to the previous section.
BENEFITS ENROLLMENT When you have completely entered all of your personal and dependent information, you will begin your online enrollment for any of the benefits in which you are eligible. Each benefit will appear on individual pages for your review. Choose your election and then click the button to proceed to the next benefit.
• View Benefit Descriptions: To view, click on the View Plan Outline of Benefit link or the icon next to the name of the plan you would like to review. This shows a plan summary and any available links or documentation related to this plan.
• View Plan Cost: Click on the checkbox next to each eligible family member or choose the coverage level you would like. The cost will automatically appear in the box to the right of the members’ names. Additionally, the “Election Summary” box will be updated as coverage adjustments are made. • View Total Plan Cost: While selecting plans, the cost will automatically adjust in the “Election Summary” box in response to your selections.
• Forms: One or more of your Benefit Plans may require a paper form to be submitted with the Insurance Carrier. If this is the case, THEbenefitsHUB will prompt you to print the necessary forms during your online enrollment session. • View Important Plan Information: Your benefits administrator will spotlight the importance of specific features in a plan or add any disclaimers that may be necessary in the “Plan Information” section. You may expand/collapse this information by clicking anywhere on the section. • Product Summary Video: Videos are placed throughout the benefit election process. You can access product videos that explain the purpose, function and importance by clicking on the icon when available.
BENEFICIARY INFORMATION Beneficiaries are required. You will need to choose a beneficiary for each applicable plan.
8 CONSOLIDATED ENROLLMENT FORM This form signals the end of your enrollment walkthrough and will display information from each of the sections listed a b o v e , including personal and enrollment information. You may make changes to anything that is incorrect by clicking on the Benefit Plan name. Once you are finished with the enrollment process, you will be sent to the “Employee Menu” where you may make changes. (See Employee Menu section) When you have completed your benefit selections, click the Main Menu button and you will be redirected to the Employee Menu screen.
EMPLOYEE MENU After you have completed your enrollment in the system, you will see the following Employee Menu icons:
Personal Information: You can access and edit information by selecting the menu items under Personal Information. This section will also allow you to change your Password.
Dependent Information: You can access and edit information for Dependents in this section. Make sure the HR Department knows of any changes made as this may change eligibility status or give an opportunity to change enrollment in certain benefits!
Benefit Plan Information: You can access and view benefits in this section. You will not be able to change benefit elections unless it is during your annual enrollment period. See a quick overview of all your elected information on the Consolidated Enrollment Form.
NAVIGATION AND INFORMATION ENTRY TIPS…
Below are tips to help you familiarize yourself with THEbenefitsHUB: • Help: If you need assistance during the enrollment process, select HELP located at the upper right corner of the screen. • Back & Forth: Please do not use the web browser’s “back” or “forward” arrows while in the system. Use the navigation buttons in THEbenefitsHUB instead: Back , Sign & Continue • Required Information: As noted on each screen, the BOLD items are required to allow continuation to the next page. The more information entered, the better the system will work for you; but you may skip non-bolded items if they do not apply. • Moving On: When each election page is complete, go to the bottom of the page and select the Sign & Continue • Unable To Finish? If for any reason you are unable to complete the enrollment process, you may LOGOUT and login at a later time. When you login again, you will walk through the same process. The information previously entered will be stored. • What Are Those Symbols? If you “toggle” the cursor/arrow on the icons, the definition of the icons will be revealed. = Edit = View • Links: Any words, names or phrases with your company’s primary color that becomes underlined when you click the highlighted link will take you to designated sections. • Screen Navigator: This line is at the top of your screen. You may click on the links to quickly jump back to those previous screens.
9 Eligibility
Employee: Eligibility Requirements • Must be classified as an active regular full-time employee scheduled to work at least 30 hours per week Employee’s Legal Spouse • Copy of marriage license, documentation of common law marriage and/or Common Law Spouse (a common state registration(if applicable)is required. law marriage recognized by the state in which the Covered Employee resides may be considered a legal marriage) Employee’s Dependent Children • Dependent children up to the age of 26 (Natural, foster, legally adopted, guardianship or stepchildren) • Definition of Dependent is subject to the following conditions and limitations: - Coverage to age 26, regardless of student status or marital status - Dependent for whom healthcare coverage is required through a Qualified Medical Child Support Order or other court of administrative order – even if the child does not reside with the employee - A child who is physically or mentally disabled must have been incapable of earning his or her own living prior to attaining the limiting age stated above to be eligible for coverage. - Copy of birth certificate/proof of birth, legal guardianship documentation or adoption documentation for dependent children
WAITING PERIOD You have 90 days from your date of hire to enroll for benefits. Your medical and dental coverage will become effective on the 91st day of employment.
10 Qualifying Events For Changes To Your Benefits
Qualifying Events allow you to make changes to your elections before or after Open Enrollment as long as changes are submitted within 30 days of the Qualifying Event.
QUALIFYING EVENTS ARE:
• Annual Affordable Care Act (ACA) Eligibility • A dependent’s loss of eligibility (attainment of limiting age) • A change in marital status (marriage, divorce, death, legal • A change in employee’s spouse’s work status from full-time separation in those states recognizing legal separation) • A termination or commencement of employment of • Open enrollment for spouse’s employment/dependent’s employee’s spouse or eligible dependent with coverage employer plan • Other events as the Plan Administrator determines to be • Significant cost or coverage changes for employee or spouse permitted under I.R.S. Section 125 or any other applicable • Change from part-time to full-time employment (or vice guidelines issued by the Internal Revenue Service versa)/reduction or increase in hours • Birth of a child • Unpaid leave of absence • You or your dependents lose Medicaid or Children’s Health • Change in the residence or worksite Insurance Program (CHIP) coverage as of eligibility for such • Qualifying Medical Child Support Order (QMCSO) coverage (60-day document submission period)
GPA Medical Coverage MEDICALBENEFITS-HIGH DEDUCTIBLE COMPREHENSIVE
GPA Holding, Inc. believes this Employee Health Benefit Plan is a “grandfathered health plan” under the Patient Protection and Affordable Care Act (the Affordable Care Act). As permitted by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted. Being a grandfathered health plan means that your plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for the provision of preventive health services without any cost sharing. However, grandfathered health plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on Essential Health Benefits.
Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status can be directed to the Plan Administrator at 972-238-7900. You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at 1-866-444-3272 or http:// www.dol.gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans.
11 2020 PREMIUMS RECAP:
Non- Employees GPA Cost Cost Per Pay Contribution Nicotine Monthly Period Premium
Employee Only $772.00 $772.00 $0 $0 Spouse $886.00 $598.94 $287.06 $143.53 Child(ren) $601.00 $409.82 $191.18 $95.59 Family $2,264.00 $1,747.13 $516.87 $258.44 **Nicotine Employee only cost $100.00 **Must be tobacco-free for at least three months to qualify for the Non-Tobacco Cost. Dependent children are eligible for coverage until they reach their 26th birthday. Dependentchildren will be termed the 1st of the month following their 26th birthday.
MEDICAL BENEFITS: WELLNESS BENEFITS: Medical Benefits are subject to the deductible, then In Network- Unlimited paid at 100% after the deductible is met.*Excludes RX. Out-of-Network- $500 $1,000 for colonoscopy over the age of 50 every 5 years
12
Now direct access to quality care is just around the corner.
DALLAS- HOUSTON-SAN ANTINIO
Yourhealth plan now includes Imagine Health, which means you have direct access to high-quality healthcare where you live.
NO GUESSWORK • Imagine Health providers are chosen for their high standards of clinical excellence. Their proven results support improved outcomes, so you’re getting the right provider for your needs.
NO REFERRALS • You have direct access to quality hospitals and physicians in your area. It’s that easy.
PEACE OF MIND • When you use an Imagine Health provider, you won’t be billed for more than your patient responsibility. It makes good sense.
Now it’s easier than ever before to get quality healthcare.
For a current and complete list of providers in your area, visit providers.imaginehealth.com.
Have questions? Call the member services number on your insurance
17 ELAP Services
All out of network claim will be audited by our partner, ELAP Services, LLC. GPA Cost PlusSM Saves You Money
GPA Cost PlusSM keeps your healthcare costs as low as possible. This free benefit provides you with the legal and find protection you need to have peace of mind when it comes to your healthcare.
GPACOST PLUSSM PROVIDES: • Financial peace through the auditing of your medical expenses to ensure you are not charged unreasonable amounts by healthcare facilities - lowering your overall out-of-pocket expenses (deductible and co insurance). • Legal protection, at no additional cost to you, in situations where you face balance billing or a collection attempt by a hospital. When it comes to your healthcare, we’ve got your back. • Reminder: If you receive a balance bill, contact ELAP Services, LLC immediately.
18 Balance Bill Credit and Collections FAQ • I’ve been balance billed. Will my account agency may only resume collection activities if it be put into collections? complies with a statutory obligation called Each provider bills differently and some eventually validation, which requires the agency to obtain use collection agencies to try to recover disputed documents from the hospital to verify the disputed balances. debt.
• What do I do if I receive a collection notice? If a collection agency violates any laws governing their conduct or if they were to report a disputed debt to a When an account is referred to a collection agency, you credit reporting agency impacting your credit will typically receive a collection notice that will score, your attorney will continue to aggressively clearly state that you have 30 days to respond and defend you and work toward resolution of the dispute the debt. This notice must be sent to ELAP matter. right away so that your attorney can respond within that time frame. • Will this impact my credit? • What will my attorney do? When a provider threatens to send or sends a bill to a collection agency, it does not necessarily mean that it Your attorney will inform the collection agency that the was reported to any credit reporting agency impacting debt is disputed and that you have legal representation. your credit score. Rather, it means that the provider Once a collection agency is made aware that you are ceased their collection efforts within the hospital represented by an attorney they are no longer billing department and sent your bill to an outside Please permitted to communicate directly with you. vendor in an attempt to collect the alleged balance contact ELAP immediately if you continue to due. be contacted by the collection agency. Collection agencies must cease collection activity, including credit reporting, if an alleged debt is disputed in writing within 30 days after the initial collection notice. The collection The single most important action that you can take throughout this process is to send all communications received from providers or collection agencies to ELAP right away.
ELAP Services, LLC ATTN Phone:800.977.73819am-7pmET Balance Bill Response Team Fax:888.560.2447ATTNBalanceBillResponseTeam 1550 Liberty Ridge, Suite 330 Email: [email protected] Wayne, PA19087
19 Dental Benefit • Calendar Year Deductible (per covered person) - $50 (Family member limit is (3) three) Employer Paid • Preventive Dental Services @ 100% Deductible waived Employees do not have to use a dentist in this network. If • Basic and Major Dental Service paid at 80% you choose a dentist in the Cigna Dental PPO SA Plus • Orthodontic paid at 50%; after deductible on the fi Network, then you can save up to 30% on average billed Day following twelve (12) months of continuous charges. coverage under the plan. Note: The Orthodontic Log onto www.cignadentalsa.com for more information. Benefit is not applicable for covered persons older than nineteen (19) years of age. Monthly Premiums Cost Cost Per Pay • Calendar Year Dental Maximum-$1,500 Period • Lifetime Maximum Orthodontic Benefit - $1,000 EEOnly $0.00 $0.00 • Dependent children are eligible for coverage until Spouse $40.00 $20.00 they reachtheir26thbirthday. Child/Children $40.00 $20.00 Family $80.00 $40.00 Cigna Dental PPO SA Plus Looking for a dental network that will help you take better care of your teeth and your wallet? Consider it found: Cigna Dental offers you access to a nationwide network of quality dental professionals at an affordable price.
CIGNA DENTAL PPO SA PLUS GIVES YOU ACCESS TO:
1 • 118,000 dentists at more than 270,000 locations across the country (projected for year-end2014) • Opportunities to lower your expenses when you receive care from an in-network dentist • Service you can trust from a company that's been offering people access to dental care for close to 50 years
HOW TO FIND A DENTIST
1. Go to www.CignaDentalSA.com. 2. Select the Cigna Dental PPO Shared Administration Plus network. 3. On the next screen, enter your search criteria. 4. Fine tune your results by specialty or location. You can also get directions and view the location on a map.
1. NetMinder DPPO data as of March 2013, comparing counts of individual dentists in networks available to Third Party Administrators. Data is subject to change. The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using. Numbers based upon projection for year-end2014. Growth will come from credentialing dentists currently under different contracts, new dentists according to network growth plan, and client specific initiatives.
Offered by Cigna Health and Life Insurance Company. "Cigna, "the tree of Life" logo and "GOYOU" are registered service marks of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries. All products and services are provided by or through such operating subsidiaries, including Cigna Health and Life Insurance Company, and not by Cigna Corporation. 872747 09/13 -. 2013 Cigna Payer Solutions. Some content provided under license.
20 Vision Plan Benefits for GPA Holding, Inc. Superior Select Southwest Network
CO-PAYS PER PAY PERIOD PREMIUMS SERVICES/FREQUENCY Exam $10 Emp.only $4.47 Exam 12 months Materials $25 Emp. + spouse $7.62 Frame 12 months Emp. + child(ren) $8.06 Lenses 12 months Emp. + family $12.09 Contact Lenses 12 months (Based on date of service) BENEFITS
In-Network Out-of-Network Co-pays apply to in-network benefits; co- pays for out-of-network visits are deducted Exam Covered in full Up to $35 retail from reimbursements Frames $150 retail allowance Up to $70 retail 1Covered to provider’s in-office standard Lenses(standard)perpair retail lined trifocal amount; member pays SingleVision Covered in full Up to $25 retail difference between progressive and Bifocal Covered in full Up to $40 retail standard retail lined trifocal, plus applicable Trifocal Covered in full Up to $45 retail co-pay 1 Progressive See description Up to $45 retail 2 Contact lenses and related professional Lenticular Covered in full Up to $80 retail services (fitting, evaluation and follow-up) 2 ContactLenses $175 retail allowance Up to $80 retail are covered in lieu of eyeglass lenses and Medically Necessary Contact Lenses Covered in full Up to $150 retail frames benefit
DISCOUNT FEATURES Non-Covered Eyewear Discount: Members may also receive a discount of 20% from a participating provider’s usual and customary fees for eyewear purchases which exceed the benefit coverage (except disposable contact lenses, for which no discount applies). This includes eyeglass frames which exceed the selected benefit coverage, specialty lenses (i.e. progressives) and lens “extras” such as tints and coatings. Eyewear purchased from a Walmart Vision Center does not qualify for this additional discount because of Walmart’s “Always Low Prices” policy.
SuperiorVision.com Customer Service Line — 1-800-507-3800
The Plan discount features are not insurance. All allowances are retail; the member is responsible for paying the provider directly for all non-covered items and/or any amount over the allowances, minus available discounts. These are not covered by the plan. Discounts are subject to change without notice.
Disclaimer: All final determinations of benefits, administrative duties, and definitions are governed by the Certificate of Insurance for your vision plan. Please check with your Human Resources department if you have any questions.
Superior Vision of Texas, P.O.Box967,RanchoCordova,CA95741
SuperiorVision.com 800.507.3800
21 Superior Online Shopping At Ditto Superior Vision members can now buy glasses from our online in-network provider, DITTO.com
AT DITTO.COM, MEMBERS CAN: • Tryon glasses using virtual technology • Use their full in-network eyewear benefit • Select from 45+ top designers and hundreds of styles • Receive 20% off lens upgrades and additional pairs of glasses • Enjoy fast and free shipping
SUPERIOR ENHANCEMENTS: • Expanded provider network • New online, in-network provider option for glasses • Increased choice • Members can choose to use their full in-network eyewear benefit to purchase glasses online at DITTO.com, at a provider’s office or at a retail optical chain • Additional online provider access drive member enrollment and customer satisfaction
The Superior Vision Plan is underwritten by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life.
22 United Concierge Medicine
Emergency Trained Providers at Your Fingertips! No Waiting Rooms. No Problem!
GPA is proud to offer you UCM’s employee concierge clinic. GPA has partnered with United Concierge Medicine (UCM) to provide you access to Emergency Trained providers 24/7/365. These services can save you and your family valuable time and money by avoiding unnecessary trips to the doctor’s office, urgent care and ER.
For just a $10-dollarconsultation fee, you and your family (spouse/domestic partner & children under 26) will have unlimited access to emergency trained, Board Certified, compassionate Physicians and Physician Assistants via phone, secure video, email and text messaging. They can diagnose, treat, prescribe medications when appropriate, order labs/ diagnostic imaging and make recommendations to the best specialist in the area if needed. This benefit becomes effective day 1 of employment; there is not waiting period for you to take advantage of UCM.
UCM does not replace your Primary Care Provider for well visits or any Specialist for a chronic illness/disease, however, for all other illness and injury, call UCM first.
Please be sure to download the UCM now App as this is the best way to reach out for a consult whenever you need them. You can download the App and find out much more information on their website at www. UCMnow.com.
Please don't hesitate to contact UCM, call 844–4-VIP–DOC (844-484-7362) or email [email protected] if you have any questions about the services.
Watch how your employee concierge clinic works at https://vimeo.com/206677187
23 Emergency Medicine Expertise With a personal touch
United Concierge Medicine allows employers to transform healthcare by reducing healthcare claims cost while providing employees with a healthcare experience and satisfaction that is unparalleled.
By putting UCM’s virtual ER treat and triage model at the front of your plan designs you will reduce hospital, ER, urgent care, and office visit claims all while allowing your brand of virtual care to stand for quality.
Unparalleled employee satisfaction and utilization: Every employee is a patient to us and nothing is more personal than the doctor patient relationship.
• ATA Accredited • Exclusive Salaried Emergency Trained Providers • Treat and Triage All Non-Life Threatening Illness/Injury • Cost Savings/ROI Analysis
844-4-VIPDOC•www.UCMnow.com GPA HealthWatch GPA HealthWatch care management and wellness services meet you at your specific level of health or illness and provide access to high quality, yet affordable care. Our goal is to help you become as healthy as possible by making healthcare easily accessible for you.
BENEFITS FOR YOU: • Enhanced quality of life • Increased health and well-being • Manage chronic conditions effectively • Achieve your best physical & mental health • Individualized support & encouragement
HEALTHWATCH PROGRAMS AVAILABLE TO YOU:
• BeWell • Case Management • Diabetes Direct Connect • Disease Management • Healthy Me & More • Lifestyle Coaching • Nurse Navigator • Utilization Management
25 GPA BeWell Commit to Be Fit Program January 1, 2020 - December31, 2020
The GPA BeWell Commit to Be Fit Program is a voluntary health and wellness program available for ALL Group & Pension Administrators, Inc. employees. Your consent is required for participation.
QUALIFYING PARTICIPANTS 1. Reward #1 ($500 HSA or HRA Contribution) - Complete the online program consent form at www.gpatpa.com, the online Wellness Assessment & Health Screening by February 28th. 2. Reward #2 (Up to $500 HSA or HRA contribution) - Have biometric risks in optimal range (see below) or complete one applicable Reasonable Alternative by July 31st.
*If you do not meet one or more biometric values, a Reasonable Alternative must be completed by July 31, 2020 in order to earn reward #2 (Up to $500 HSA or HRA contribution). Reasonable Alternatives are listed on the next page.
Biometric Risks Optimal Ranges Reward Amount Blood Pressure < 130 / 85 $100 Glucose - Fasting < 100 $100 High Density Lipids (HDL) Men > 40 / Women > 50 $100 Triglycerides < 150 $100 Waist Circumference Men < 40 / Women < 35 $100
WELLNESS PTO DAY Each full-time employee has the opportunity to earn a Wellness PTO Day by completing the following activities by November 30, 2020:
1. Preventive Exam 2. Annual Exam 3. Health Screening 4. Wellness Assessment 5. 1 Health Challenge or Completion of Weigh to Wellness Plus 6. Community 5k Run, Community Service Project or BeWell Annual Run/Walk
Activities must be recorded on your wellness portal at www.gpatpa.com
Questions? Contact Layla Najm, Wellness Coordinator at 972-619-2695 or [email protected].
26 REASONABLE ALTERNATIVE OPTIONS:
Reasonable Alternative Must be completed by July 31, 2020
Cellular Bluetooth glucometer program that sends real-time data to Care Coaches that Diabetes Direct Connect provide support and assistance for participants managing their condition. Participants must complete at least 4 calls with a GPA Care Coach/ GPA Clinic Provider.
Specialized Care Coaches provide individual support for participants with chronic disease diagnoses, including Asthma, Diabetes, Depression, Coronary Artery Disease, Congestive Heart Failure and Chronic Obstructive Pulmonary Disease. Care Coaches will help participants improve Disease Management their quality of life and reduce medical costs through early intervention treatments, coordination among service providers and educational programs. Participants must complete at least 4 calls with a GPA Care Coach.
Participant must complete a GPA Telephonic Lifestyle Coaching Program. Lifestyle Coaching is available in five focus areas: Stress Management, High Blood Pressure, High Cholesterol, Lifestyle Coaching Smoking Cessation and Weight Management. Participants must complete at least 4 calls with a GPA Care Coach.
Weigh to Wellness Plus is a 10-week program that combines our online Healthy Me and More Program with the support of both group classes and one-on-one telephonic coaching. Weigh to Wellness Plus Participants must complete 1 group class, 3 telephonic coaching calls and 6 online sessions.
The documentation required will be a note from the physician stating member enrollment in the program and then one follow-up regarding their continued enrollment or completion Physician Verification Form of the program. Physician verification forms and statements are due to the Wellness Coordinator and subject to review/audit.
WELLNESS WEBSITE With easy online resources, all the wellness information you need is just a click away. Your wellness website brings together all the resources you need to participate in wellness activities, access educational information, complete your Wellness Assessment, participate in health challenges, record activities you’ve completed, and monitor your progress.
First time users will need to follow these steps to register: • Login to www.gpatpa.com and click Members • Click Proceed to our sign up process • Enter all the required information (Employee ID: enter your Social Security Number) (7-Digit Group #: enter Z000001)
Download the GPA Mobile App on your Smartphone. Available on Android and Apple devices, search for “Group Pension Mobile” and download the app for free.
NOTIFICATION OF CONFIDENTIALITY Rewards for participating in the wellness program are available to all employees. If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for an opportunity to earn the same reward by different means. Contact Layla Najm at [email protected] and we will work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for you in light of your health status.
27 Healthy Me & More LIVE WELL: Program Benefits: This program is designed to help individuals discover a • 8 weeks of specialized program content more balanced view of stress and learn to embrace life's • Simple online course format challenges with a positive mindset. • Video and podcast sessions WEIGH TO WELLNESS PLUS: • Interactive discussion boards This program will meet your individual needs with tips, tools • Guided support from your expert health coach and support. We are here to help you reach your weight • Live group sessions loss goal and improve your health. CONQUERING METABOLIC SYNDROME: To enroll, call Janna Weaver at [email protected]. This program offers individualized support to assist in reversing your risk factors for diabetes and heart disease Participation in the HealthWatch Healthy Me & More Program is optional while also losing weight and getting fit. and you can change your level of participation anytime. For more DIABETES MANAGENT: information regarding your rights and responsibilities with this program, This program offers a personal diabetes specialist to help pleaserefertowww.gpatpa.com/healthwatch.php or you learn about the benefit of meal planning, decreasing contact Janna Weaver at [email protected]. complications, and much more! I QUIT TOBACCO CESSATION: This interactive program will give you the tools you need to finally be tobacco free. You will learn what your options are and what will work best for you. You will also have access to our I Quit community and Quit Coaches.
28 Maternity Management
HealthWatch’s Maternity Management Program provides expecting mothers with the guidance and support needed for a healthy pregnancy. Offered at no cost to you, this voluntary and confidential program ensures you have everything you need and a maternity Registered Nurse to guide you during your journey to motherhood.
THERE FOR YOU WHEN IT MATTERS, OUR MATERNITY CARE COACHES: • Guide you step-by-step through your pregnancy and medical needs • Assess your health and well-being to provide custom nutrition and workout plans • Minimize your healthcare expenses through effective health plan benefit use • Provide educational materials to keep you up-to- date with pregnancy best practices
To enroll, simply call Nancy LaBouliere 972-744-2594 or email [email protected].
Disease Management
HealthWatch’s Disease Management Program helps you manage your chronic conditions to stay as healthy as possible with assistance from our highly trained coaches, including: Nurses, Dietitians, Certified Diabetes Educators, Respiratory Therapists, Licensed Professional Counselors and Social Workers. Completely confidential, our customized program provides educational resources and partners with you to achieve the goals you have always wanted at no cost to you. Motivation is what gets you started; inspiration is what keeps you going.
YOUR HIGHLY TRAINED CARE COACH WILL HELP YOU: • Manage your chronic conditions and prevent complications • Achieve your best physical and mental health • Understand your conditions through customized resources • Save money through effective use of health plan benefits
To enroll, simply call Nancy LaBouliere 972-744-2594 or email [email protected]. 29 Diabetes Direct Connect
HealthWatch’s Diabetes Direct Connect is a diabetes management program designed to keep up with your on-the-go lifestyle. When you enroll in this program, you’ll receive the supplies you need to manage your diabetes, including FREE testing strips and a Bluetooth glucometer that sends real-time data readings—plus you’ll benefit from the support of a dedicated certified Care Coach. Additionally, you can stay connected to helpful diabetes management resources through our user-friendly portal and app.
HOW DOES IT WORK?
1. You enroll in the program and set up an account 2. Free diabetes supplies are delivered as needed 3. A Bluetooth glucometer uploads blood glucose readings to your portal automatically 4. A coach is assigned and reaches out at your convenience to personalize a care plan based on your lifestyle and needs
To enroll, simply call Nancy LaBouliere 972-744-2594 or email
30 Lifestyle Coaching The Lifestyle Coaching Program provides the one-on-one support, motivation and accountability you need to reach your health goals. This voluntary program is a benefit offered at no charge to you.
YOUR SPECIALIZED CARE COACH CAN HELP YOU WITH:
• High Blood Pressure • Stress Management • High Cholesterol • Metabolic Syndrome • Tobacco Cessation • Weight Management
To enroll, simply call Nancy LaBouliere 972-744-2594 or email [email protected].
Tobacco Cessation
Ready to quit tobacco? Let the HealthWatch Tobacco Cessation Program provide the support and guidance you need to live healthier. Completely confidential and offered at no cost to you, the personalized 10-week telephonic program offers tailored education and assistance to help you overcome obstacles associated with tobacco cessation, nicotine addiction and relapse avoidance.
ALWAYS THERE TO SUPPORT YOU, OUR LIFESTYLE CARE COACHES: • Provide accountability to help reduce your risk of developing a chronic disease associated with tobacco • Assist you every step of the way, offering educational materials and motivation through coaching to address your particular tobacco cessation needs
31 Case Management
HealthWatch’s Case Management provides special support during treatment and assistance with overall quality of life. Our Case Managers – Registered Nurses with direct experience in Oncology, Pediatrics, End Stage Renal Disease, Cardiology, Organ Transplants, Rehabilitation and other complex medical conditions — provide one-on-one care and emotional, medical and financial guidance during your journey through life-threatening illness.
SUPPORTED BY GPA’S BOARD CERTIFIED PHYSICIAN, YOUR CASE MANAGER:
• Work closely with you patient, your family, and other health care providers • Coordinates access to care • Monitors progress to established goals set forth by you and your provider • Assist with coordinating discharge planning and follow-up • Help ensure the patient’s benefits are used effectively
Questions? Simply call Janet Threadgill, RN, CCM, OCN, CPHON at 972.744.2510 or email [email protected].
Utilization Management
HealthWatch’s Utilization Management is the first step to help ensure you have access to quality care. Utilization Management uses evidence-based clinical criteria to identify the appropriate level of medical care is provided within the benefit limit, and that practices are observed that make this care cost-effective.
Utilization Management Nurses help you overcome barriers to treatment and recovery and coordinate with Benefit Advocates and triage into HealthWatch programs.
Questions? Simply call Janet Threadgill, RN, CCM, OCN, CPHON at 972.744.2510 or email [email protected].
32 Nurse Navigator
Obtain Medical Records Calls Answered by a Highly for Appointments for Qualified Nurse for Providers Located by Guidance and Education Nurse Navigator
Locate Provider Options for Consult with Bilingual Staff Medical Services Members
Schedule Appointments Assist Members with for Providers Located by Complex Diagnosis and Nurse Navigator Medical Needs Locate Providers and Facilities
Disclaimer: GPA Nurse NavigatorSM is brought to you by your employer and administered by Group & Pension Administrators, Inc. This program is offered at no cost to you as part of your health plan benefits. Your participation is voluntary with privacy, confidentiality and protection of your health information a priority for your employer and Group & Pension Administrators, Inc. Calls are answered by a highly qualified Nurse. You will hear back about your request from your personal Nurse Navigator within 2-3 business days. During this time, Nurse Navigator is busy researching on your behalf to provide you with the best possible options to meet your request. If Nurse Navigator requires additional time to complete the research for your request, you will be contacted with status updates.
Let Us Help You! Contact your Nurse Navigator today. Call Bushra Sohail, RN at 972-744-2435 or email [email protected].
33 WHO ARE MY CONTACTS IN HEALTHWATCH FOR MY GPA MEDICAL PLAN?
Utilization Review & Case Management Nurse Navigator Janet Threadgill, RN, CCM, OCN, CPHON Bushra Sohail, RN Utilization Review & Case Management Nurse Navigator Phone: 972.744.2510 Phone: 972.744.2435 Email: [email protected] Email: [email protected]
I am your primary contact for Utilization Management I am your primary contact for Nurse Navigator. I’m here to and Case Management. I’m here to help you with your help you coordinate provider options related to an ongoing treatment for conditions such as cancer, individual episode of care. I can help you locate provider inflammatory conditions or any ongoing complex options including doctors, hospitals, imaging or laboratory. medical needs. I can also help you coordinate services Rosie Fields, RN, CCM is your secondary contact. related to your complex high dollar specialty pharmacy medications. Cathy Kowalski, RN, CRRN, CCM, AATMC and Nancy LaBouliere, RN, BSN, CDE also provide Case BeWell Commit to Be Fit Program Management and Utilization Management as needed. Layla Najm BeWell Coordinator Phone: 972.619.2695 Email: [email protected] HealthWatch Coaching Programs
Nancy LaBouliere I am your primary contact for the BeWell Commit to Be Fit Supervisor, Case Management Program. I’m here to help you navigate your Wellness Phone: 972.744.2594 Program and connect you with valuable health and Email: [email protected] wellness resources and education to help meet your health goals! I can help you check your reward status, connect you with the appropriate HealthWatch Program and assist I’m your primary contact for HealthWatch coaching you with any Commit to Be Fit Program questions that you programs. Based on your specific needs and goals I might have. coordinate connecting you with the best suited Care Coach for your needs from our interdisciplinary team to provide confidential, one-on-one support and Healthy Me & More motivation to reach your health goals. They provide Janna Weaver you with a customized program, including education Healthy Me & More Coordinator and a better understanding of your condition. The goal Phone: 972.744.2380 of the program is to help you achieve the best physical Email: [email protected] and mental health possible.
I am your primary contact for the Healthy Me & More Programs. I am here to assist you with any questions you might have as you work through the programs. My goal in developing the Healthy Me & More Programs is to assist you with building healthy habits and achieve overall well- being to live a vibrant, happy life. WHO ARE MY CONTACTS TO ANSWER QUESTIONS REGARDING CLAIMS?
Melissa Maynard Member Services Professional 972-744-2411 [email protected]
Maria Garza Member Services Professional 972-744-2119 [email protected]
Nathan Teplitzky Member Services Professional 972-744-2179 [email protected]
We can help with all of this and so much more. Contact your GPA Employee Team today! www.gpatpa.com Maximize Your Health Plan with the GPA Member Portal The GPAMember Portal provides a stream lined, easy-to-navigate platform to access all of your health insurance information, including your:
Coverage and plan Claims status and Wellness program benefit account balances information
Member ID = Social Security Number Group Number= Z000001
SIGNING UP TAKES LESS THAN 10 MINUTES: TO VIEW OR PRINT AN IMAGE OF YOUR ID CARD: STEP 1 STEP 1 Begin by visitingwww.gpatpa.com and selecting the Click on the HOME tab “Members” button on the top right corner of the homepage
STEP 2 Coverage&Benefits Claims HealthAccounts Forms&Resources Wellness HealthGuide Next, click the “Proceed to our sign up process” STEP 2 link located on the bottom left of your screen Click Print or Request ID Card located under the Quick STEP 3 Links Menu to the far right side of the screen After agreeing to the license agreement, you will be Quick Links able to fi in your member information using your PrintorRequest IDCard benefit card AskaQuestion
STEP 4 Frequently Asked Questions Now, you will create your GPA account profile using any email address and password you’d like STEP 3 Click the view a temporary ID card link. This will populate STEP 5 an ID card image for you to view or print The last step will be ensuring your member profile and information are correct and HAVEANYQUESTIONS? choosing your EOB delivery Be sure to contact the GPA customer method service department to learn more about the GPA Member Portal and how it can make managing your healthcare easier than ever.
36 Maximize Your Health Plan Whenever And Wherever You Are The GPA Mobile App, offered through your health plan, puts our most popular online features at your fingertips.
THE GPA MOBILE APP ALLOWS YOU TO: • Check claim status • Access your eligibility information • Access your Wellness Program • View and email your ID card • Review your account summary and benefits
Have a question regarding your health plan? You can send a secure message to our Customer Service Department through the new “Message Center” or for more general inquiries, visit our Frequently Asked Questions page.
Download the GPA Mobile App today through the Google Play store or the apple app store!
Available on Android and Apple devices, search for “Group Pension Mobile”, download the app for free, register and set up a user ID and password. It’s that simple!
Dependent Care Flexible Spending Account(FSA)
What are the benefits of a Dependent Care FSA? (GPA’s Plan has a 90-day waiting period)
YOU MAY ENJOY SEVERAL BENEFITS FROM TO FILE A MANUAL CLAIM: HAVING AN FSA. • Manual Claims can be filed by completing a claim • No employment or federal income taxes are form and attaching any relevant receipts. deducted from the contributions. • Claim forms are available via the ADP Portal or on • Withdrawals may be tax-free if you pay DocuShare. qualified dependent day care expenses. • The claim forms and receipts can be emailed or faxed. • You can withdraw funds from the account to pay qualified dependent day care expenses up to the amount you have • Employee can contribute $5,000 for the year. deposited into the account. • Reimbursements are processed weekly. Email Address: GPA FlexClaims- • Spend down rules apply after termination of employment. [email protected] Fax #: 972-238-7853
37 Flexible Spending Account(FSA) SUMMARY HIGHLIGHTS A Health Flexible Spending Arrangement (FSA) allows What are the benefits of a Health FSA? (GPA’ s Plan has a employees to be reimbursed for medical expenses. FSAs one year waiting period) You may enjoy several are usually funded through voluntary salary reduction benefits from having an FSA. agreements with your employer. GPA offers a full flex • No employment or federal income taxes are and limited flex option. The limited flex option is deducted from the contributions. offered with the HSA plan and the full flex is offered to • Withdrawals may be tax-free if you pay qualified non-HSA plan members. medical expenses. • You can withdraw funds from the account to pay Health FSAs are employer-established benefit plans. These qualified medical expenses up to your annual election may be offered in conjunction with other employer- amount, even if you have not yet placed the funds in the provided benefits as part of a cafeteria plan. Employers account. have complete flexibility to offer various combination so • The limited flex is restricted to dental and vision expenses benefits in designing their plan. You do not have to be only. covered under any other healthcare plan to participate. • Reimbursements are processed weekly. The Date of You only have to be eligible for our health plan. Service is the incurred date. Certain limitations may apply if you are a highly • COBRA rules may apply. compensated participant or a key employee. • Employees can contribute $2,750 for the year. Self- employed persons are not eligible for an FSA.
TO PAY USING THE WEX HEALTH CARD: (The Wex Health Card is only available with the limited flex option)
• Use the Wex Health Card at any IIAS or 90% Merchants • Each participant automatically receives two (2) participating vendors. You can find the current list online cards, both with the participant’s name. at gpatpa.com under your Benefit Informatics log-in. • Additional cards are available for a cost of $10, billable • When using the Wex Health Card, if asked “Debit” or directly to your account. “Credit”, choose “Credit”. • You may receive a letter requesting copies of receipts for • Keep your receipts. This is an IRS requirement. certain charges that cannot be immediately • Keep your Wex Health Card, it is a re-loadable card and substantiated. These can be mailed, faxed or emailed, to will be used for up to 5 years. There is a $10 charge, the same address, fax number and/or email addresses billable directly to your account, to replace it if it is lost, above. Please include a copy of the letter. destroyed or stolen.
38 Health Savings Account (HSA) A smart way to save on taxes and save for your future
• What’s a qualified medical expense? Your employer may offer a payroll deduction to help you Visit optumbank.comor irs.gov for a complete list. contribute to your HSA. You can also make deposits online by visiting optumbank.com. • Wondering how to get started? Use our Health Savings Account Calculator at GET THE PRE-TAX ADVANTAGE With an optumbank.com. It helps you figure out your maximum contribution, estimate your tax savings and HSA, you have three tax advantages: see how your savings can grow over time. • Your deposits are exempt from federal income tax, and
• from state income tax inmost cases. * Designed to work with a qualifying high-deductible health • Your savings grow tax free. plan (HDHP), a health savings account (HSA) is a great • Money you spend on qualified medical expenses is way for eligible individuals to save for qualified medical income tax free, too. expenses today, tomorrow and in the future — even in retirement. HSAs offer significant tax advantages, too. USINGYOURACCOUNTISEASY When you have a qualified medical expense, you can: SAVE TODAY. SPEND WHENEVER. • Use your health savings account Debit MasterCard® at a With an HSA, there’s no “use it or lose it” rule. You decide pharmacy, doctor’s office or other health care whether to spend your money on healthcare now or build provider. your savings for expenses later. You can use your HSA • Reimburse yourself for qualified medical expenses to pay for qualified medical, dental and vision expenses from your HSA. including doctor visits, prescriptions and hospital visits. • Pay bills online at no charge, or pay with checks linked The money is yours until you spend it, even if you change to your HSA, if you choose to purchase them. jobs or health plans. If your employer contributes money CHOOSE TO MAKE AN INVESTMENT to it, that belongs to you, too. Once your account has reached a threshold, you may be able to invest a portion of your HSA in mutual funds. Visit The IRS sets contribution limits each optumbank.com to learn more. year. You can deposit up to the following amounts: DECIDE OPEN USE MANAGE OPTIMIZE 2019 Considering Opened Wondering Want tips Ready to an HSA? an HSA, how much for turn your • $3,500, if you have individual health coverage but to managing HSA into an haven't contribute? your HSA? investment? • $7,000, if you have family coverage used it yet? THE 5 STAGESOF HEALTH SAVINGAND SPENDING 2020 Good health is a journey. So is saving the money needed to • $3,550, if you have individual health coverage pay for qualified medical expenses. We’ve identified stages • $7,100, if you have family coverage account holders go through when owning a health savings account: Decide, Open, Use, Manage, Optimize. If you are 55 or older, you can make an additional catch-up To learn more about the 5 stages, visit contribution of $1,000. optumbank.com/optumHSAstages. 39 Health Reimbursement Account(HRA) SUMMARY • Rules similar, but not identical, to FSAs apply with respect An HRA is an employer-funded arrangement that to covered medical expenses reimburses employees for certain medical care expenses • Employer can decide which coverage pays first; HRAs or incurred by the employee and the employee’s spouse and FSAs • COBRA rules may apply dependents. • HIPAA rules may apply • HRAs are not required to be funded; GPA’s HRAs GPA offers a full HRA and a limited HRA plan. The limited are funded by participation in the BeWell program HRA option is offered to employees that participate in the • No IRS-imposed cap on HRA accruals BeWell program but have opted out of GPA’s medical plan • HRAs can be coupled with high-deductible health and the full HRA is offered to employees that participate in coverage or can be stand-alone the BeWell program and are not eligible to participate in the HSA plan. TO FILE A MANUAL CLAIM: • Manual claims can be filed by completing a claim form HIGHLIGHTS and attaching any relevant receipts • It is funded and paid for solely with employer funds • Claim forms are available from your HR Contact and they • It reimburses an employee for certain medical care are posted online expenses incurred by employee, spouse, or dependents • The claim forms and receipts can be emailed or faxed. • The limited HRA is restricted to dental and vision expenses only • It provides reimbursements up to a maximum dollar amount Email Address: GPA FlexClaims- for a coverage period and any unused portion at the end of [email protected] the coverage period is forfeit back to the employer Fax #: 972-238-7853 • Unused HRA amounts cannot be cashed out; but can be “spent down” after termination
40 Group Basic Life Insurance Symetra Life Insurance Company
Employee Paid
GPA provides basic life insurance and accidental death and dismemberment insurance at no cost for all full-time employees, their spouses and dependent children.
BENEFIT Employee: Spouse Dependent Children Benefit Amount Benefit Amount Benefit Amount 1x Base Salary $2,500 $1,000 Capped at $200,000
The insurance is of a “term” nature. The group life insurance terminates at retirement. Reduction Schedule begins at age 65.
Supplemental Life Insurance& AD&D UNUM Life Insurance Company
Employee Paid
EMPLOYEE COVERAGE Min $10,000/Max $500,000 New Employee Guarantee Issue Amount - $200,000. Employees currently insured may increase coverage to the lesser of five (5) times salary or $200,000 during annual enrollment.
SPOUSE COVERAGE Min $10,000/Max $500,000 New Employee Spouse Guarantee Issue Amount - $50,000. Spouses currently insured may increase coverage to the lesser of 100% of employee election or $50,000 during annual enrollment.
CHILD COVERAGE Min $2,000/Max $10,000, New Employee Child Guarantee Issue Amount - $10,000. Child(ren) currently insured may increase coverage to the lesser of 100% of employee election or $10,000 during annual enrollment. Open Enrollment: At OE (open enrollment) an employee may increase coverage amounts. If you have purchased insurance prior to OE you will not have to submit an evidence of insurability. If you elected not to purchase AD&D life at the initial offering, you will be required to complete an EOI (Evidence of Insurability) to determine if you are eligible for the added coverage.
41 TERM LIFE COVERAGE MONTHLY RATES AD&D COVERAGE RATES
Spouse Age Employee Child per AD&D Cost Per Monthly Rate per Band per$10,000 $2,000 $5,000 Employee $10,000 $.304 Spouse $.893 $5,000 $.160 Child -24 $.540 $.330 $2,000 $.068 25-29 $.620 $.375 30-34 $.770 $.475 Note: The premium paid for the child coverage is based on 35-39 $1.090 $.690 the cost of coverage for one child, regardless of how many 40-44 $1.550 $.990 children you have. 45-49 $2.480 $1.550 Note: Your rate will increase as you age and move to the next 50-54 $3.940 $2.415 age band. 55-59 $6.060 $3.700 60-64 $9.450 $6.330 65-69 $16.410 $10.810 70-74 $29.280 $19.260 75+ $57.370 $38.580
42 Business Travel Accident Insurance- Hartford Employer Paid
Provides 24-hourbusinesstravel accident protection, inside and outside city limits. Each insured is covered for $250,000 AD&D, subject to a $1,250,000 aggregate limitation per accident. This coverage has standard drug exclusion.
Greater peace of mind foremployees who travel. Employees who travel on business receive accident insurance. With our Business Travel Accident (BTA) coverage. GPA offers a range of coverage options and benefit levels to our employees.
STANDARD COVERAGE WITH VALUABLE BENEFITS: Our BTA plans have no mileage limits or travel duration restrictions. Travel includes in town, out-of-town, out-of-the state and international travel.
Amount paid For loss of
Full benefit amount Life, two limbs, sight of both eyes, one limb and the sight of one eye, or speech and hearing One half of benefit amount Limb, sight in one eye, speech or hearing One quarter of benefit amount Thumb and index finger of the same hand
A RANGE OF PLAN OPTIONS: We offer a range of options so you can build a plan to suit the unique needs of your employees:
Option Description
Extent of coverage Business-travel-only protection or 24-hour business and pleasure Eligible persons For all employees or specific groups with benefit amounts up to 10 times salary More than20options To help cover a variety of events, including coma,paralysis,critical burns,traumatic brain injury, or permanent total disability Enhanced benefits • Therapeutic counseling •Child education • Extended care and rehabilitation • Funeral expense • Day care • Seatbelt /Airbag Additional benefits are available on a state-by-statebasis.
Special risk protection Coverage for war risk,policyholder-owned air craft and other high-risk circumstances
MORE THAN JUST FINANCIAL SUPPORT Our BTA coverage includes these value-added services at no additional cost:
1 • Travel assistance before and during a trip
2 • 24/7 ID theft protection while at home and away
® 3 • Beneficiary Assist counseling to help the bereaved with legal, financial and emotional issues
43 THE HARTFORD DIFFERENCE. Accidents are unpredictable. BTA insurance from The Hartford can offer your employees protection and peace of mind, plus compassionate support and exceptional claims service you can count on.
® PREPARE. PROTECT. PREVAIL. To learn more about our BTAInsuranceprotection,call your local Hartford representative, and visit our website at thehartford.com/groupbenefits.
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company.Home officeis Hartford, CT.Allbenefits aresubjectto the termsand conditions of the policy.Policies underwritten by the issuing companieslistedabovedetailexclusions, limitations, reductionofbenefitsand termsunderwhich thepoliciesmay be continuedin forceor discontinued. 1Somebenefitsare not availablein certainstates and additionalchargesmay apply.Pleasecontacta Hartford SalesRepresentative formore information. 2TravelAssistance and Identity Protection and Assistance Services are provided by Europ Assistance USA. Europ Assistance USA is not affiliated with The Hartford and is not a providerof insurance services. Europ Assistance USA may modify or terminateall or any part of the serviceat any timewithout prior notice. Noneof the benefits provided to you by Europ Assistance USA as a part of the TravelAssistance and Identity Theft service are insurance. This brochure, the TravelAssistance and IdentityTheftserviceTermsand Conditionsof Use, and theIdentityTheftResolutionKit constituteyour benefitmaterials and contain theterms, conditions, and limitationsrelating to yourbenefits. These servicesmay not be used for businessor commercialpurposesor by anyperson otherthan the individual insuredunderThe Hartford'sgroup insurancepolicy.The Hartfordis not responsible and assumes no liability for the goods and services describedin thesematerials. 3Beneficiary Assist® is provided by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsychand reserves the right to discontinue any of these services at any time. 6040 06/15 © 2015 The Hartford Financial Services Group, Inc. All rights reserved.
Long-Term Care – UNUM Life Insurance Company
Employee pays the cost with after-tax dollars. LTC insurance is designed to provide coverage for necessary or medically- necessary diagnostic, preventive, therapeutic, curing, treating, mitigating, and rehabilitative services, and maintenance or personal care services provided in a setting other than an acute care unit of a hospital, such as in a nursing home, in the community, or in the home.
ELIMINATION PERIOD: Your plan’s elimination period of 90 days is the amount of time you must wait before benefits become payable. This time period can be accumulated over a period of 730 days and needs to be satisfied only once during the life of your plan.
NEWLYHIREDEMPLOYEES: Once eligible for the plan, you will have 90 days to sign up for Guarantee Issue coverage. Please check with your employer for your effective date.
ALL ACTIVE EMPLOYEES & NEWLY HIRED EMPLOYEES: Who enroll after the Guarantee Issue enrollment period will be required to fill out a medical questionnaire.
44 MEDICAL UNDERWRITING EFFECTIVE DATE: The effective date for those applicants requiring medical underwriting is the later of the Plan Effective Date or the Medical Underwriting Approval Date. Medical Underwriting means that you must answer all questions on a medical questionnaire. In some cases, an interview may also be necessary.
DELAYED EFFECTIVE DATE: If you are absent from work because you are injured, sick, temporarily laid off or on a leave of absence, your coverage will not begin on your otherwise expected effective date.
MEDICAL UNDERWRITING FOR EMPLOYEES AND FAMILY: (Completion of the Benefit Election Form is required for enrollment) As an employee you are eligible for benefit amounts on a Guarantee Issue basis up to and including $4,000 and a Facility Benefit Duration of 3, 4 or 6 years. This does not require completion of the Long Term Care Insurance Application (medical questionnaire) if you apply during your initial eligibility period. The Long Term Care Insurance Application (medical questionnaire) is required if enrolling after your initial eligibility period. Spouses and all Family members must complete the Benefit Election form, the Long Term Care Insurance Application (medical questionnaire) and must be approved for coverage in order to enroll in the Long Term Care plan. All Medical Questionnaires must accompany a signed Authorization to Request Medical Information Form #6720-03 located in the enrollment kit.
Plan1 Plan2 Plan3
Benefit Duration 3 Years 4 Years 6 Years
Facility Benefits Amount $2,000 $3,000 $4,000 Assisted Living Facility Percent 100% 100% 100% Lifetime Maximum $108,000 $144,000 $288,000
Professional Home & Community Care 50% 50% 100% Inflation Protection N/A N/A Simple
LIFETIME MAXIMUM: The Lifetime Maximum is the maximum benefit dollar amount Unum will pay over the life of your coverage. This dollar amount is based on the Facility Benefit Amount and Benefit Duration.
INSURANCEAGE:
Final cost of coverage will be based on your Insurance Age. If you enroll for coverage on or before the group policy effective date, Insurance Age is your age on the group policy effective date. If you enroll for coverage after the group policy effective date, Insurance Age is your age on the date you sign the enrollment form.
Questions: Please call1-800-227-4165 with questions regarding your Long Term Care Insurance.
45 Short-Term Disability Benefit GPA has a short term disability program available at no additional cost for all full-time employees who have completed 12 months of continuous employment. Benefits are provided for loss of wages due to disability caused by accident and/or illness or pregnancy. An employee is considered totally disabled when he or she is unable to perform the material duties of his or her occupation, solely because of sickness or accidental injury.
Benefits will be paid as follows: week 1 there will be no benefit, weeks 2-26 you will receive 70% of your salary. Benefits begin on the 8th day of accident or illness and will pay for twenty-six (26) weeks per occurrence. The correct paperwork must be submitted and approved before any payments will be made. Employees must notify their Director and the Human Resource Department as soon as they know they will be out of work. See the Short-Term Disability policy on ADP for more information.
Family Medical Leave Act Benefit Full time employees that work 30 hours or more are eligible for Family Medical Leave (FMLA) Coverage. FMLA is job protection Leave for a maximum of 12 weeks. You must be under the continuous care of a physician. In order to qualify for FMLA, you must have worked with the company for a year or at least 1,250 hours during the preceding 12 months. Employees requesting FMLA must provide a verbal or written notice of the need for the leave to their Director/Supervisor and the HR Department to be given applicable forms. When employees are approved for FMLA for any reason, they are required to use their PTO balance before any additional benefits or short-term disability would be paid out. After the depletion of PTO, FMLA will start to be recorded. Employees on FMLA, they will not accrue any PTO.
GPA will use a rolling 12-month period measured forward from the date of any FMLA usage to determine how much FMLA remains or when it may be used again. Medical and Dental benefits will be terminated once reaching the maximum 12 weeks of job protection.
46 THE GPA COMMITMENT
At GPA we understand that illness or injury can create emotional, physical and financial challenges. We want to do help you through this process.
Your help is needed to make the process as seamless as possible. When requesting FMLA/Disability/Short-Term Disability; reviewing and returning all of the forms submitted to you in your FMLA Information Packet is the best and fastest way to move this process forward. Also remember to reach out to your HR department with any questions.
47 Long-Term Disability Bene f its - Sun Life Employees pay cost with after-tax dollars - $.55 per $100 of monthly earnings (change for 2016). Benefits are provided for loss of wages due to disability caused by accident or illness. Benefits will be paid at 60% of covered monthly earnings not to exceed a maximum monthly benefit of $10,000. Benefits begin on the 181st day of accident or illness. The employees currently pay the cost of this benefit with after-tax dollars. The Company reserves the right to terminate the plan in the future.
Safeguard your finances so you can focus on your health during a long-term absence from work. Long-term disability insurance provides you with a monthly cash benefit to help pay for everyday expenses (such as: mortgage/rent, utilities, childcare, or groceries) if a covered disability (e.g., back injuries and some chronic illnesses such as heart attack, cancer, or stroke) takes you away from work for an extended time.
• Get a monthly check—after your claim is approved—that replaces a portion of your income while you recover 1 from a covered disability. • Begin receiving your benefit in as soon as a few months, depending on your plan. • Receive a monthly benefit for as long as you are unable to work due to a covered disability—up to a maximum period of time. 2 • Qualify for additional benefits if your covered disability begins with a hospital stay of 14 days or more. • Work with a certified rehabilitation specialist, when appropriate, to create a return-to-work plan that’s right for you. • Yourcost depends on factors such as your age and monthly earnings.
Protect your paycheck to keep a long-term disability from having a lasting effect on your finances. Talk to your benefits administrator today to learn more about long-term disability insurance or visit SunLifeKnowsBenefits.com.
1Keep in mind that other sources of income could impact your benefit amount. 2Hospital stay of 7 days or more in New York. This policy contains limitations and exclusions that may affect benefits. Please see the Certificate or ask your benefits administrator for information on Elimination Periods, Waiting Periods, and Pre-Existing Conditions limitations. This coverage does not constitute comprehensive health insurance (often referred to as “major medical coverage”) and does not satisfy the requirement for Minimum Essential Coverage under the Affordable Care Act. The group insurance policies described in this advertisement provide disability income insurance only. They do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services. GroupinsurancepoliciesareunderwrittenbySunLifeAssuranceCompanyofCanada(WellesleyHills,MA)inallstates,exceptNewYork,underPolicyFormSeries 93P- LH, 98P-ADD, 07-SL REV 7-12, 07P-LH-PT/07C-LH-PT, 01P-ADD-PT/01C-ADD-PT, GP-A, GC-A, 12-GP-01, 12-DI-C-01, 13-SD-C-01, 12-AC-C- 01,13-ADD-C-01, 12-GPPort-P-01, 13-ADDPort-C-01, 12-STDPort-C-01, 12-ACPort-C-01, 13-SDPort-C-01, TDBPOLICY-2006, and TDI-POLICY. In New York, group insurance policies are under written by SunLife and Health Insurance Company(U.S.)(Windsor,CT)underPolicyFormSeries12-DI-C-01,13-GP-LF-01, 13- LF-C-01, 13-GP-LH-01, 13-ADD-C-01, 13-LTD-C-01, 13-STD-C-01, 06P-NY-DBL, 07-NYSL REV 7-12, GP-A, GC-A, 12-GP-SD-01, 13-SD-C-01, 12-GP- 01,C-C- 12-A 01, 12-GPPort-01, 13-LFPort-C-01, 13-ADDPort-C-01, 12-STDPort-C-01, 12-ACPort-C-01 and 13-SDPort-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations. ©2016 Sun Life Assurance Company of Canada, WellesleyHills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.
48 Employee Assistance Program(EAP) Services Free, Confidential Access to Therapeutic Counseling, Legal, Financial, and Online Services through your Employee Assistance Program
SUMMARY INTERFACE EAP GPA provides all employees, full and part-time, a free and Total Life Assistance confidential mental health benefit through an Employee Assistance Program in partnership with Highlighted Points Interface EAP. • Marital Problems • Stress All employees, regardless of medical plan • Family Problems • Financial participation (excludes seasonal employees) have • Alcohol/Drug Problems • Legal EAP, which is free (there is no money out of your • Other Referrals • Depression check) and 100% confidential. The EAP is available to the employee, employee’s spouse, and children up to 26 years of age. For free and confidential assistance, call your There is nothing to sign up for –enrollment Employee Assistance Program and speak with a Care is automatic. Coordinator:
BENEFIT 713.781.3364 • 800.324.4327 The EAP provides up to six face-to-face counseling Se Habla Espanol800.324.2490 www.4eap.com sessions with a therapist for issues such as stress, depression, grief, substance abuse, marriage and family Your employer has contracted with Interface EAP to provide you an employee Assistance Program issues. Different issues require authorizations to different counselors. In addition, members may speak with a financial planner or financial advisor free for half an hour, and may speak with an attorney for legal advice free for half an hour (some exclusions apply). All services are accessed by dialing Interface EAP at 800- 324-4327. Office hours are Monday-Friday from7:30a.m.-6 p.m. CT, but the toll free number is also a 24-hour crisis line, with live therapists available anytime day or night for emergencies. You can also log in to the website at www.4eap.com using login GPATPA and password 601 for additional information and online resources.
CONFIDENTIAL The program is confidential – Interface EAP does not disclose to GPA who has called. The program is free, so all it will cost you is time. 49 Legal Services Access to Professional Legal Services through your EAP
FREE CONSULTATION IDENTITY THEFT PREVENTION, DOMESTIC VIOLENCE AND THE L A W EDUCATION AND SOLUTIONS Three referrals(up to 30 minutes • Complete overview of Domestic Violence each) per household, per plan year • Online information and libraries and the Law, including a safety checklist. to an attorney- referral may be can help you and your family • Discussions of the concepts and telephonic or face-to-face. take preventive steps to protect legal issues involved in most your identity. domestic violence cases, including REDUCED HOURLY RATE • If you think your identity has Civil and Domestic. Up to a 25% discount off been compromised, your plan Violence as well as the attorney’s usual rate. covers access to ID Theft criminal components of Counselors to walk you Domestic Violence. FREE DOCUMENT REVIEW through the recovery process, Complete review with comments if needed. EXCLUSIONS on any legal document (up to six • Your benefit includes up to pages), providing the document • Employment Law (suits three 30-minute telephone does not involve one or more of against employers) consultations with an Identity the areas of law excluded by this • Sideline Business/Tax Law Theft Counselor. plan (preparation of documents • Immigration maybe an additional charge). SMALL CLAIMSAND CONSUMER ACCESS BENEFITS FREELETTERSAND/OR Free consumer booklets as well as PHONECALLSONYOURBEHALF Internet access to a website with You are entitled to have a phone information on how to represent call placed or letter prepared by yourself if you are forced to file a your Plan Attorney. Please discuss lawsuit, defend against a lawsuit, or this benefit with yourPlanAttorney go to court to prove your case. in advance of relying on it to resolve your problem. The legal problem FAMILY HEALTH LEGAL LIBRARY may not be resolved by this action Complete “Help Yourself” legal alone and you may be forced to library containing detailed information utilize other legal tactics to handle on the most common legal health the matter. issues confronting Americans today, SIMPLEWILLS including sample documents such as FORPLAN MEMBERS Wills, Power of Attorney, Living Trusts, Your plan covers the preparationof etc. a Simple Will for you and your spouse (additional charges may apply).
50 Financial Services Access to Professional Financial Services through your EAP
FREE CONSULTATION ACCESS FINANCIAL LIBRARY Three referrals (up to 30 minutes each) per household, per Online access to the Financial Library provides background plan year - referral may be telephonic or face-to-face information on financial planning, how it works, what your goals can be, what investments can help you meet There is nothing to sign up for – enrollment is automatic. your goals, whether you need a financial planner and how to find a good one, along with a number of other FINANCIAL PLANNING related issues. • Participant is not required to have a minimum EXCLUSIONS or maximum amount of money • Referrals are educational, not legal-common reasons • Advice on specific investments for referral are: • Advice on which firm to hire - Retirement Planning • Monetary assistance of any type - College Fund Savings - Life Event - Marriage, Birth of Child, Death of Family Member - Investment Planning (401(k), IRA) - Budget Analysis • Participant may choose to: - Prepare plan themselves - Hire third party to prepare plan - Hire financial planner to prepare plan • $75 discount off usual fee if hired to prepare plan • 90-daymoneybackguarantee on financial plan • Provide periodic updates free of charge
CREDIT COUNSELING
• No cost financial assessment, credit counseling, and explanation of debt consolidation • Access to a nation widen on-profit organization to assist you with your debt consolidation • Debt Management Plan-helps participants speed the repayment of excessive or delinquent bills, stop credit or calls or improve cash flow
51 Online Work/Life And Wellness Resources www.4eap.com Employees and their families are able to access the best in health and wellness programs and providers through the latest online technology.To access these services, simply log on to www.4eap.com.(Contactyour Human Resources Department or call 800-324-4327to obtain your loginnameand password.) From there, click on either the Work/LifeServices or Health and Wellnesslinks on the left side of the page to see the following features:
WORK/LIFE DATABASE Health Tutorials Work/Life Database Brief 7 to 10 day tutorials for healthier living, including: Looking for resources for child care, elder care, adoption, • Cook Well-a healthy cooking tutorial school and/or college resources? Complete the online • WellFit-a tutorial to help kick start a workout routine form, and a search will be done for you! A Work/Life • WellBeing-a stress management tutorial specialist will email you the results. Wellness Modules Educational Materials Longer tutorials for healthier living, including: Search and download a variety of educational • Well Weight- a program designed to materials. These include tip sheets, checklists, articles, help with weightloss licensing regulation sand more! In addition, • WellWalk-get healthier just by walking more information on daily living topics, such as consumer • WellQuit-a program to help quit smoking issues, legal and financial planning, and travel and recreation are available.
Calculators Access a variety of calculators for financial planning, health and weight management purposes.
HEALTH AND WELLNESS (This link is password protected; you will need to register and create a unique username and password in order to access these resources.) Well Tips Provides user-friendly information about non-traditional and self-help approaches.
Personal Health Profiles An individualized health risk assessment that provides recommendations for health improvement.
52 MetLife Voluntary Insurance
MetLife is pleased to offer you financial protection though their voluntary products. MetLife’s voluntary products can complement existing medical coverage and help fill financial gaps caused by out-of- pocket expenses. Benefits are paid regardless of what is covered by medical insurance. Payments are made directly to policy holder (unless assigned otherwise) to spend as they choose if they get sick or injured.
The company offers the following voluntary policies through MetLife: Auto, Legal Services, Accident, Critical Care, and Hospital Advantage. To make the switch, call a MetLife Representative at 1-800-GET-MET8 (1-800-438-6388)
53 Auto Help your employees be financially prepared for the unexpected
Today’s workforce is complex, which makes voluntary benefits especially important. While auto insurance maynotbe Top of mind for your benefits program, it can help your employees improve their financial wellness. Time to consider?
After medical, auto Just like medical, premiums and out-of-pocket expenses for auto insurance are going up. From auto accidents to natural disasters, there has been an increase in the severity and frequency and home insurances of incidents. And without the right coverage, an accident or storm can be devastating to your rank among the top employees’ financial wellbeing. With MetLife Auto & Home®, you can give your employees access to 5 must-have the protection they need to stay prepared for the unexpected. And the support they need to get back on track. benefitsforemployees.1 Personalized protection for the right fit
Everyone has different needs at different stages of life. That’s why we offer a wide range of Employees saved an products and services — providing the flexibility for your employees to choose what’s right for them. average of $586 on auto insurance when they switched to • • MetLife Auto & Home.2 Auto Boats • RV • Personal excess • Renters liability protection • Flood
Valuable savings on coverages employees need
Finding more money within a monthly budget to get the right benefits can be challenging for most employees. By offering auto and home through your group benefits program, you can give them access to valuable group discounts. And when employees save on coverage they already have, it g ives them more options to get the right protection. Best of all, our simple, convenient solutions like payroll deduction help them balance their monthly budget.
54 Industry-leading features that give Service your employees can count on employees confidence Your employees can rely on us for easy, expert service from Sometimes, things go wrong. Homes or vehicles get damaged start to finish. and your employees need help getting back on track. Our product Convenient options — call-center, local agents, online, or mobile advantages can help put things right for your employees: app — for your employees to buy and manage their coverage. • Replacement cost coverages for new vehicles help employees And, since our auto and home program is offered year-round, your repair/replace a new vehicle in case of a total lossꢃ employees can buy coverage when the time is right for them. • Replacement costs for special parts helps them with repair or Professional claims experts are available any time — ꢃ4 hours a replacement of certain parts, regardless of their wear and tear at day, 7 days a week — to support your employees in their time the time of the accidentꢃ of need. • Multi-policy advantages offer the convenience of one common effective date and payroll deduction for both auto Simple and easy for you and home policies • Safe driving benefit rewards employees with $50 for every year Our people, processes and tools make it easy to add auto and home to your benefits program. We provide: of claim-free driving for up to five years. Employees can use that money to pay for their deductibleꢃ Engaging enrollment with our proven communications strategy. And we take care of it all — including communication costs — so Value-added services for peace of mind that there’s little or no work for you. Seamless, simplified implementation with a service model built We understand that recovering from a loss can take time. That’s to deliver an efficient, flexible, and streamlined experience across why we offer value-added programs — like a new-car cash all MetLife products. We focus on making benefits easier so you r e w a r d , ꢃprevention tips, auto repair shops and identity protection can focus on the people who make your business successful. services —to help your employees move forward with confidence. All these money-saving services are provided at no cost to you or your employees.
Get expert guidance for confident decisions — for your organization and your employees. Contact your MetLife representative today.
ꢃ. MetLife’sꢃ5thAnnualU.S. Employee Benefit TrendStudy,ꢃ0ꢃ7.RespondentsincludeendemployeesofEmployergroups. ꢃ. Savingsbasedonourꢃ0ꢃ8countrywideresearchofnewcallcentercustomers’annualaveragesavingsinꢃ0ꢃ7.Statisticsdo not reflect sales of the product sold on MetLife Auto & Home MyDirect®. 3. See policy for restrictions for more details. Not available in all states. Deductible applies. 4. Not available in NC. See policy for restrictions. Deductible applies. 5. Not available in all states. NY drivers must pay a state-required minimum deductible before using this benefit. Benefit can be earned for up to 5 years. Depending on your policy form, the benefit could be up to$ꢃ50 or$500. 6. Available to both MetLife Auto & Home group eligible and their family members. They receive a payment from Bonus Drive when they purchase or lease new vehicles from participating manufacturers. For qualifications, more details, and a list of participating manufacturers, visit bonusdrive.com.
metlife.com
Availability of products and features are based on MetLife Auto & Home’s guidelines, group size, underwriting and state requirements. Property lines of coverage including Home, Mobile Home and Landlord’s Rental Dwelling are not available in FL and MA. Renters is available in FL. Condos are not available in FL. Renters and Condo is available in MA.
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Fire & Casualty Company, Economy Premier Assurance Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices at 700 Quaker Lane, P.O. Box 350, Warwick, RI0ꢃ887.Coverage, rates, discounts, and policy features vary by state and product, and are available in most states to those who qualify. For certain insurance coverage, including MetLife Auto & Home insurance products, an employee does not enroll, but must apply.
MetLifeAuto&Home | 700Quaker Lane | Warwick,RI02886 55 L0318503882[exp0221][AllStates][DC] ©2018MetLifeServicesandSolutions,LLC MetLife Legal Services
Expert legal advice for your employees ‘peace of mind
Our network of attorneys is here Top attorneys your employees can rely on to make your employees' lives When it comes to legal support, choosing the right attorney isn't a snap decision. Your employees easier. want peace of mind. Someone with the experience, the expertise, the professionalism, and the courtesy to help them navigate through life's major milestones. Every attorney that joins our + network has to meet these requirements. We take care of the selection, so you can be confident Getting your employees have professional and experienced attorneys on their side, whenever they need married them. How do we get top attorneys to join our network? By providing exceptional service to your employees, attorneys are more likely to get referrals, resulting in more clients for them. And even the most experienced attorneys want to grow their practice. That's how Metlaw Buying or has created one of the largest and most experienced attorney networks -with attorneys selling a home averaging25 years of experience. 4' tarting S Tailored service makes life easier •• family While some legal plans only offer self-service or phone consultations, Metlaw gives employees a choice of options. They can meet an attorney in-person, or contact them over the phone, or online using our attorney e-Panel. And we have a range of self-service tools to Dealing with give employees a helping hand and a little guidance. identity theft For some legal matters, our attorneys can even appear on your employee's behalf in court, so they don't have to take time away from work or their families to attend a court hearing. Sending Kids off Services for everyone to Navigating life's milestones is easier with Metlaw. Metlaw provides legal assistance for a college wide range of personal legal matters, and that’s with: Caring for • unlimited use of legal services covered by your plan aging • no waiting periods, deductibles or copays to worry about parents • and no claim forms-all billing is between the network attorney and Metlaw. If one of your employees needs an attorney who doesn't participate in our network,that's 1 okay, too. They can be reimbursed for some of the costs. Navigating• life together · 56 Helping your employees navigate life's twists and turns.
Money Matters • Debt Collection Defense • Negotiations with Creditors • Tax Audit Representation • Financial Planning Workshops' • Personal Bankruptcy • Tax Collection Defense • Identity Theft Defense • Promissory Notes
Home & Real • Boundary & Title Disputes • Property Tax Assessments • Security Deposit Assistance Estate • Deeds Refinancing & Home Equity Loan of • Zoning Applications • Eviction Defense Primary, Second or Vacation Home • Tenant Negotiations • Foreclosure Sale or Purchase of Primary, Second • Mortgages or Vacation Home
Estate Planning Codicils Complex Living Wills Revocable & Irrevocable Wills Healthcare Powers of Attorney (Healthcare, Trusts Proxies Financial, Childcare, Immigration) Simple Wills
Family & Personal Adoption Immigration Assistance Prenuptial Agreement Affidavits Juvenile Court Defense Including Protection from Domestic Conservatorship Criminal Matters Violence Demand Letters Name Change Review of ANY Personal Legal Garnishment Defense Parental Responsibility Matters Personal Property Issues Document Guardianship School Hearings Civil Lawsuits Administrative Hearings Disputes Over Consumer Goods & Civil Litigation Defense Services Pet Liabilities Incompetency Defense Small Claims Assistance
Elder-Care Issues Consultation & Document Review Medicaid for issues related to your parents: Medicare Powers of Attorney Deeds Notes Prescription Plans Leases Nursing Home Agreements Wills
Vehicle & Driving Defense of Traffic Tickets' License Suspension Due to DUI • Repossession Driving Privileges Restoration
A legal plan you can count on. You can feel confident that when you offer Metlaw to your employees, you're providing a benefit that your employees can really use. It's the reason why 86% of our plan participants stay in the plan year over year. •
And, it's easy for you too. With no benefits cost to you, it's simple to add Metlaw to your employee benefits program. You can be confident that your employees will have professional and experienced attorneys on their side, whenever they need them.
Cost per employee per month (covers spouse and dependents): $21.00
Get expert guidance for confident decisions -for your organization and your employees. Contact your MetLife representative today. Smart. Simple. Affordable.® Hyatt Legal Plans A MetLife Company
57 MetLife Accident
Imagine... Each hour, there are over • Sam's son broke his ankle playing soccer. 4,500 medically consulted 3 • Although Sam had a good medical plan, his deductible was injuries in the U.S. over $4,500. And the additional out-of-pocket expenses just kept coming.1
Accident Insurance Cost Per Pay Period MetLife at their side • Because he had MetLife accident insurance, Sam received Coverage Options Low Plan High Plan a lump-sum payment within 10 days to help make his son's recovery less expensive and stressful.2 Employee $3.70 $4.95
• There was no need for coordination of benefits with his Employee & Spouse $7.30 $9.71 medical plan, so it was quick and easy for Sam to get the money he needed. Employee & Child(ren) $8.23 $10.90
Family $10.20 $13.53 Making life a little easier • Sam used some of the money towards his medical deductible and the rest to treat his son to a day out at the zoo.
• After two months in physical therapy, his son's ankle is strong. And soon after, he was back in the game.
Navigating life together 58 ADF# Al1774.17 Sam's children enjoy being active and competitive, and he's happy knowing his family is better prepared financially for the unexpected.
With benefits that are simple to understand and easy to use, we' ll help you provide the right plan for your employees' needs. Our innovative Accident solutions provide: Our people and resources Lump-sum payments made directly to the employee deliver a simple and easy They'll receive a cash benefit that they can use any way they 'd like (e.g. out-of-pocket service experience for you – medical expenses, child care, monthly bills). And they'll receive it regardless of what 's from setup to the day-to-day covered by their medical plan. administration.
• Guaranteed issue coverage And with our broad range Employees, spouses, and children (up to age 26) are guaranteed coverage. • There are of solutions, we can be your no required medical exams or health questions to answer. single, trusted carrier for your • Coverage for about 150events employee benefits needs. From fractures to comas, they 're covered for about 150 events in 5 different categories (injuries, medical services & treatment, accidental death, hospitalization,5 an d dismemberment, loss, & paralysis).
Portability for continuation of coverage
If employees change jobs or retire, they can continue their coverage.6
Get expert guidance for confident decisions - for your organization and your employees.
Contact your MetLife representative today.
metlife.com
1. Example based on information from 2017 Employer Health Benefits Survey, Kaiser Foundation, according to which the average amount for workers with an aggregate deductible for family coverage is $4,527 for a high deductible health plan (HDHP). 2. 97% ofdecisions on"cleanclaims" are madewithin 3 business days.A cleanclaimisaclaimsubmittedwithallthe requiredinformation necessaryto process the claim; nomissinginformationrequiringadditionalfollowupwiththesubscriber. Itcantakeupto 10 business daystoprocesscleanclaims. 3. National SafetyCouncil InjuryFacts, 2017 Edition. 4. Coverage is guaranteed provided: (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions apply to dependents serving in the armed forces or living overseas. Children may be covered to age 26. 5. Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See MetLife's Disclosure Statement or Outline of Coverage/Disclosure Document for full details. 6. Eligibility for portabilitythrough the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative.
METLIFE'SACCIDENT INSURANCE ISA LIMITED BENEFITGROUP INSURANCE POLICY. The policyisnotintendedtobeasubstituteformedicalcoverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. There is a preexisting condition limitation for hospital sickness benefits, if applicable. There may be benefit reductions that begin at age 65. And, like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them inforce. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company,NewYork,NewYork.
Metropolitan Life Insurance Company I 200 Park Avenue I New York, NY 10166 MetLife L0419513851[exp0620]IAll States]IDC] © 2019 MetLife Services and Solutions, LLC 59 MetLife
Hospital visits can be costly, hospital indemnity insurance can help.
People get sick and have accidents. It happens all the time, sometimes requiring a trip to the hospital. The average cost of a hospital stay in Studies have shown 42% of all 1 the U.S. is $10,700 . Even with medical coverage, additional expenses personal bankruptcies are a can add up quickly. result of medical expenses. The While hospital stays are often unexpected, they don't have to be study also reveals that 78% of 2 financially devastating. Protect your budget by learning more about those who filed had insurance. hospital indemnity insurance and applying for coverage by [date].
Benefits SIGN UP TODAY • You will receive a lump-sum payment when you are admitted or confined to a hospital due to an accident or sickness. [And as an incentive to stay healthy, you receive an extra benefit payment for having certain health screenings.] With competitive employee rates, you can get Hospital Indemnity Your name is on the check coverage for for less than the • Payments are made directly to you. You decide how to spend the money. costof... Guaranteed acceptance 3 • For you and eligible family members, as long as you are actively at work. That means no medical exam and no hassle. Movie outing Payroll deduction for group of 4 . • Premiums will be automatically deducted from your paycheck making Tickets, drink, this coverage convenient for you. popcorn and candy
Portable Based on average costs at national retail chains 4 • Take it with you if you leave the company or retire.
SIGN UP TODAY
60 ADF# Hl827.15 Hospital Indemnity Insurance Plan Summary
HOSPITAL INDEMNITY INSURANCE BENEFITS
With MetLife, you’ll have a choice of two comprehensive plans which provide payments in addition to any other insurance payments you may receive. Here are just some of the covered benefits/services, when an accident or illness puts you in the hospital. A
COVERED BENEFITS
Please contact MetLife for detailed definitions and state variations of covered benefits.
Hospital Benefits Benefit Limits High Subcategory Benefit Low Plan (Applies to Subcategory) Plan
Admission $500 $1,000 ICU Supplemental Admission (Benefit paid concurrently with Admission Benefit 1 time(s) per calendar year the Admission benefit when a $500 $1,000 Covered Person is admitted to ICU)
Confinement1 $100 $200
15 days per year ICU Supplemental Confinement will pay ICU Supplemental Confinement Confinement Benefit an additional benefit for 31 of those (Benefit paid concurrently with days the Confinement benefit when a $100 $200 Covered Person is admitted to ICU)
*Benefit requires prior Admission or Confinement.
1 If the Admission Benefit is payable for a Confinement, the Confinement Benefit will begin to be payable the day after Admission.
Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0918508154[exp1119][All States] © 2018 MetLife Services and Solutions, LLC HI16 61 INSURANCE RATES
MetLife offers competitive group rates and convenient payroll deduction so you don’t have to worry about writing a check or missing a payment! Your employee rates are outlined below.
Hospital Indemnity Insurance Monthly Cost to You Coverage Options Low Plan High Plan Employee $13.61 $25.04 Employee & Spouse $25.44 $46.81 Employee & Child(ren) $21.71 $39.94 Employee & Spouse/Child(ren) $33.54 $61.71
BENEFIT PAYMENT EXAMPLE FOR HIGH/LOW PLAN
Susan has chest pains at home and after contacting her doctor she is Benefit 2 instructed to head to her local hospital. Upon arrival, the doctor examines Covered Benefit B Susan and advises that she requires immediate admission to the Intensive Amount Care Unit for further evaluation and treatment. After 2 days in the Intensive Care Unit, Susan moves to a standard room and spends 2 additional days Regular Hospital Admission $1,000 recovering in the hospital. Susan was released to her primary care physician for follow-up treatment and observation. Her primary doctor is now keeping a close watch over Susan’s overall health. Depending on her ICU Supplemental Admission $1,000 health insurance, Susan’s out-of-pocket costs could run into hundreds of dollars to cover expenses like insurance co-payments and deductibles. Regular Hospital Confinement $200 MetLife Group Hospital Indemnity Insurance payments can be used to help cover these unexpected costs or in any other way Susan sees fit. ICU Supplemental Confinement $200 Benefits paid by MetLife Group Hospital Indemnity $2,400 Insurance
QUESTIONS & ANSWERS
How do I enroll? Enroll for coverage at Employer website. Who is eligible to enroll for this Hospital Indemnity coverage? You are eligible to enroll yourself and your eligible family members.C You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth in the Certificate. Some states require the insured to have medical coverage. How do I pay for my Hospital Indemnity coverage? Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment. What happens if my employment status changes? Can I take my coverage with me? Yes, you can take your coverage with you. You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer cancels the group policy or offers you similar coverage with a different insurance carrier. What is the coverage effective date? The coverage effective date is 01/01/2020. Who do I call for assistance? Please call MetLife directly at 1-800-GET-MET8 (1-800-438-6388) and talk with a benefits consultant. Or visit our website: mybenefits.metlife.com
Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0918508154[exp1119][All States] © 2018 MetLife Services and Solutions, LLC HI16 62 Critical illness insurance: why is it important?
When critical illness affects your family, you’ll have the support you need when it matters most. Enroll today! While experts recommend that families keep several months of living expenses set aside to [For questions, please help in an emergency, a general rule of thumb is to save enough to cover 3–6 months’ worth 1 call MetLife at of expenses. [1 800 GET-MET8] Even if you have medical and disability insurance, there can be financial gaps in your coverage. Disability [1 800 438-6388] income may only cover a portion of your income, and medical insurance can possibly leave you with some extra expenses. You would have to cover deductibles, copays, extra costs for out-of-network care, and non-covered services such as alternative treatments. Why should
The No. 1 reason for bankruptcy is due to medical bills.2 1 in 5 working age Americans with I enroll now? 3 health insurance have trouble paying off their medical bills.
• Competitive How it works. employee rates 5 • Guaranteed acceptance Critical illness insurance is coverage that can help safeguard your finances by providing you • Easy payroll deduction with a lump-sum payment — one convenient payment all at once — when you or your family needs it most. The extra cash can help you focus on getting back on track — without worrying about finding the money to • Portable coverage so you can cover some of your expenses. take it with you if you change 4 jobs or retire And best of all, the payment is made directly to you, and is in addition to any other insurance you may have. It’s yours to spend however you like, including for your or your family’s everyday living expenses.
Whatever you need while recovering, critical illness insurance is there to make life a little easier.
If you or a covered family member6 are diagnosed with a medical condition, MetLife Critical Illness Insurance provides you with a lump-sum payment to help out.
Critical illness insurance helps you manage expenses — so you can focus on getting well.
As long as you or your loved one meets the policy and certificate requirements, the following medical conditions are covered:
7 8 10 • Full Benefit Cancer • Stroke • Alzheimer’s Disease 7 • Partial Benefit Cancer • Coronary Artery Bypass • Major Organ Transplant 9 Graft 11 • Heart Attack • Kidney Failure • 22+ Listed Conditions Your plan pays a recurrence benefit if a medical condition occurs again for the following conditions: heart attack, stroke, coronary artery bypass graft, full benefit cancer, partial benefit cancer. A recurrence benefit is only available if initial benefit of a covered condition has been paid. And, there is a benefit suspension 12 period (waiting period) between recurrences.
63 Critical Illness Insurance Plan Summary
COVERAGE OPTIONS
Critical Illness Insurance Eligible Individual Initial Benefit Requirements Employee $15,000 or $30,000 Coverage is guaranteed provided you 2 are actively at work.
Spouse 100% of the employee’s Initial Benefit Coverage is guaranteed provided the employee is actively at work and the spouse is not subject to a medical restriction as set forth on the 2 enrollment form and in the Certificate. 1 Dependent Child(ren) 100% of the employee’s Initial Benefit Coverage is guaranteed provided the employee is actively at work and the dependent is not subject to a medical restriction as set forth on the 2 enrollment form and in the Certificate.
BENEFIT PAYMENT
Your Initial Benefit provides a lump-sum payment upon the first diagnosis of a Covered Condition. Your plan pays a Recurrence Benefit3 for the following Covered Conditions: Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer and Partial Benefit Cancer. A Recurrence Benefit is only available if an Initial Benefit has been paid for the Covered Condition. There is a Benefit Suspension Period between Recurrences.
The maximum amount that you can receive through your Critical Illness Insurance plan is called the Total Benefit and is 3 times the amount of your Initial Benefit. This means that you can receive multiple Initial Benefit and Recurrence Benefit payments until you reach the maximum of 300% or $45,000 or $90,000.
Please refer to the table below for the percentage benefit amount for each Covered Condition.
Covered Conditions Initial Benefit Recurrence Benefit 4 Full Benefit Cancer 100% of Initial Benefit 50% of Initial Benefit 4 Partial Benefit Cancer 25% of Initial Benefit 12.5% of Initial Benefit Heart Attack 100% of Initial Benefit 50% of Initial Benefit 5 Stroke 100% of Initial Benefit 50% of Initial Benefit 6 Coronary Artery Bypass Graft 100% of Initial Benefit 50% of Initial Benefit Kidney Failure 100% of Initial Benefit Not applicable 7 Alzheimer’s Disease 100% of Initial Benefit Not applicable Major Organ Transplant Benefit 100% of Initial Benefit Not applicable 22 Listed Conditions 25% of Initial Benefit Not applicable
ADF# CI1851.18 64 22 Listed Conditions
MetLife Critical Illness Insurance will pay 25% of the Initial Benefit Amount when a covered person is diagnosed with one of the 22 Listed Conditions. A Covered Person may only receive one benefit payment for one Listed Condition in his/her lifetime. The Listed Conditions are Addison’s disease (adrenal hypofunction); amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis; diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple sclerosis (definitive diagnosis); muscular dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis.
Example of Initial & Recurrence Benefit Payments
The example below illustrates an employee who elected an Initial Benefit of $30,000 and has a Total Benefit of 3 times the Initial Benefit Amount or $90,000.
Illness – Covered Condition Payment Total Benefit Remaining Initial Benefit payment of Heart Attack – first diagnosis $60,000 $30,000 or 100% Heart Attack – second diagnosis, two years Recurrence Benefit payment of $45,000 later $15,000 or 50% Kidney Failure – first diagnosis, three years Initial Benefit payment of $15,000 later $30,000 or 100%
In most states there is a preexisting condition limitation. If advice, treatment or care was sought, recommended, prescribed or received during the three months prior to the effective date of coverage, we will not pay benefits if the covered condition occurs during the first six months of coverage. The preexisting condition limitation does not apply to heart attack or stroke.
65 SUPPLEMENTAL BENEFITS MetLife provides coverage for the Supplemental Benefits listed below. This coverage would be in addition to the Total Benefit Amount payable for the previously mentioned Covered Conditions.
8 Health Screening Benefit MetLife will provide an annual benefit of $50 per calendar year for taking one of the eligible screening/prevention measures. MetLife will pay only one health screening benefit per covered person per calendar year. Eligible screening/prevention measures may include:
• physical exam • flexible sigmoidoscopy • biopsies for cancer • hemoccult stool specimen • blood test to determine total cholesterol • hemoglobin A1C • blood test to determine triglycerides • human papillomavirus (HPV) vaccination • bone marrow testing • lipid panel • breast MRI • mammogram • breast ultrasound • oral cancer screening • breast sonogram • pap smears or thin prep pap test • cancer antigen 15-3 blood test for breast cancer • prostate-specific antigen (PSA) test (CA 15-3) • cancer antigen 125 blood test for ovarian cancer • serum cholesterol test to determine LDL and HDL (CA 125) levels • carcinoembryonic antigen blood test for colon • serum protein electrophoresis cancer (CEA) • carotid doppler • skin cancer biopsy • chest x-rays • skin cancer screening • clinical testicular exam • skin exam • colonoscopy • stress test on bicycle or treadmill • digital rectal exam (DRE) • successful completion of smoking cessation program • Doppler screening for cancer • tests for sexually transmitted infections (STIs) • Doppler screening for peripheral vascular disease • thermography • echocardiogram • two hour post-load plasma glucose test • electrocardiogram (EKG) • ultrasounds for cancer detection • endoscopy • ultrasound screening of the abdominal aorta for abdominal aortic aneurysms • fasting blood glucose test • virtual colonoscopy • fasting plasma glucose test
66 INSURANCE RATES
MetLife offers competitive group rates and convenient payroll deduction, so you don’t have to worry about writing a check or missing a payment! Your employee rates are outlined below.
Monthly Premium for $1,000 of Coverage
Attained Employee Employee + Employee + Employee + Age Only Spouse Children Spouse + Children <25 $0.46 $0.91 $0.84 $1.28 25–29 $0.49 $1.01 $0.87 $1.38 30–34 $0.64 $1.27 $1.01 $1.65 35–39 $0.71 $1.46 $1.09 $1.84 40–44 $0.82 $1.84 $1.20 $2.22 45–49 $1.16 $2.70 $1.54 $3.08 50–54 $1.58 $3.88 $1.96 $4.26 55–59 $2.14 $5.42 $2.51 $5.80 60–64 $2.84 $7.43 $3.21 $7.81 65–69 $3.83 $10.36 $4.20 $10.73 70+ $5.82 $15.07 $6.20 $15.45
QUESTIONS & ANSWERS
How do I enroll? See benefits department for enrollment information.
Who is eligible to enroll? Regular active full-time employees who are actively at work along with their spouse and dependent children can enroll for 2 MetLife Critical Illness Insurance coverage.
How do I pay for coverage? Coverage is paid through convenient payroll deduction.
What is the coverage effective date? The coverage effective date is 01/01/2020.
9 If I Leave the Company, Can I Keep My Coverage? Under certain circumstances, you can take your coverage with you if you leave. You must make a request in writing within a specified period after you leave your employer. You must also continue to pay premiums to keep the coverage in force.
Who do I call for assistance? Contact a MetLife Customer Service Representative at 1 800- GET-MET8 (1-800-438-6388), Monday through Friday from 8:00 a.m. to 8:00 p.m., EST.
67 Auto and Home Insurance – Liberty Mutual (Employee Paid)
GPA has partnered with Liberty Mutual Insurance to offer employees special benefits and savings on home and auto insurance. Purchase insurance when and where you want, and take advantage of our flexible payment options including payroll deduction. Call your LibertyMutualRepresentative,SamanthaJoBakerat469-287-0155 for a free no-obligation quote or e-mail [email protected].
Liberty Mutual offers the employees of GPA quality auto and home insurance tailored to your needs—plus discounts that could save you hundreds of dollars. *
1 Discounts to Save You Money Valuable Protection You Can Trust • Vehicle Safety Features Discount: We recognize • Accident Forgiveness: With Accident Forgiveness, the importance of vehicle safety features and offer we won’t raise your price due to your first accident if savings for standard features such as Anti-Theft and your driving record is accident-free and violation- Anti-Lock Brakes. free for five years, whether you’ve been with Liberty • New to Liberty Mutual Discount: When you Mutual or a prior insurance carrier. If you qualify,
4 add or change a vehicle on your policy, you’ll not you’ll receive the benefit at no extra cost. only enjoy personalized service and expert advice, • New Car Replacement: If your new car is totaled in the you’ll receive savings on your premium. first year, you’ll get the money for a brand new car, not
• Multi-Car Discount: Our Multi-Car Discount ensures just the depreciated value. you receive the best value and minimizes the hassle of • Lifetime Repair Guarantee: When you fix your car managing your auto insurance. at one of our approved repair shops. We’ll even make
6 the arrangements. Service When and Where You Need It • Employee Parking Guard™: In the event your personal • Round the Clock: 24-Hour Claims Assistance, 24-Hour property is damaged or stolen from your car, Employee Roadside Assistance, and emergency Home Repair. Parking Guard™ provides you $2,500 of personal • Business Your Way: Online, by phone, with your property coverage with only a $50 deductible. Plus, mobile device, or at one of our 350 local offices. it reduces your comprehensive deductible to zero for • Convenient Payment Methods: Automatic withdrawal vandalism to your vehicle. from your bank account, recurring credit card payments,3 and direct billing. •
1Discounts and savings are available where state laws and regulations allow. To the extent permitted by law, applicants are individually under written; not all applicants may qualify.2 With the purchase of optional Towing& Labor coverage. Applies to mechanical breakdowns and disablements only. Towing related to accidents would be covered under your Collision or Other Than Collision coverage. 3Credit card fees may apply. 4AccidentForgiveness coverageis subject to terms and conditions of Liberty Mutual’s underwriting guidelines. 5Applies to a covered total loss. Your car must be less than one-year-old, have fewer than 15,000 miles and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. 6Loss must be covered by your policy.7Employee Parking Guard is an optional coverage available at an additional cost. Subject to policy provisions. Not available for motorcycles. Auto insurance underwritten by Liberty County MutualInsuranceCompany,2100 WalnutHill Lane, Irving, TX; and home insurance underwritten by Liberty Insurance Company, 175 Berkeley Street, Boston, MA. 2013 LibertyMutual Insurance
68 Identity Theft Protection– ID Watchdog Leaders in Protection and Benefits Employee pays the cost for this benefit. ID Watchdog is the most comprehensive identity theft protection and resolution available. More than just credit monitoring, you are protected from medical and criminal identity fraud as well as financial identity theft. Dependent Children are eligible for coverage until they reachtheir26th birthday. Individual Plan It’s your identity. Keep it that way.100% RESOLUTION GUARANTEE $7.95monthly $1M Expense Reimbursement Insurance Family Plan We will restore your identity to its original status, regardless of time or cost. $14.95monthly Anewidentityisstolenevery2seconds¹ ID Watchdog provides complete identity protection Without identity protection: • The average victim may spend $9,650 and 330 hours • Proactive credit and identity protection 2 • Advanced identity tools trying to resolve an identity theft case on their own 3 • Dedicated Resolution Advocates do all the work on your • 50% of victims have trouble obtaining new credit 3 behalf; including dealing with pre-existing conditions • 12% of victims have arrest warrants issued in their name • $1millionexpense reimbursement for identity theft-related costs
1JavelinStrategy&Research,2015IdentityFraud 2BureauofJusticeStatistics,December2013 3IdentitytheftLaws http://identity-theft.laws.com/identity-theftstatistics CREDIT PROTECTION SERVICES ADVANCED TOOLS FULLY MANAGED RESOLUTION CREDIT MONITORING BREACH NOTIFICATION SERVICES The Plus plan includes single-bureau (TransUnion) Stay on top of your data’s exposure risk through ID WATCHDOG HAS NEVER FAILED TO credit report monitoring. Additionally, rapid credit prominent data breach notifications. RESTORE AN IDENTITY. alerts are sent after activity changes are detected SOCIAL NETWORK ALERTS Certified Identity Theft Risk Management on your TransUnion credit report. Specialists (CITRMS)manage your case until it is Be aware of cyber bullying and reputation-damaging completely resolved, even pre-existing conditions. items directed at you and your family on social PROACTIVE IDENTITY MONITORING $1M Expense Reimbursement Insurance for media. ADVANCED IDENTITY MONITORING identity theft-related out of pocket expenses. REGISTERED SEX OFFENDER Thieves may begin by changing your address to REPORTING & NOTIFICATIONS 24/7 CUSTOMER CARE CENTER establish “your” new identity. We monitor the Search for sex offenders in your area and receive HIGHLYTRAINED STAFF USPS National Change of Address (NCOA) Registry alerts when new offenders move into your directly, enabling us to prevent theft sooner. We All Customer Care Advocates participate in industry- neighborhood. also scan 37 billion public records, licenses, and leading trainings and are certified in internet and certifications looking to detect cases of identity NATIONAL PROVIDER IDENTIFIER (NPI) ALERTS social media safety and know how to deal with other online threats. We offer real-time language theft. We alert healthcare providers when their support with speakers of more than 100 languages. INTERNET BLACK MARKET SURVEILLANCE credentials are compromised. We scour the Dark Web and hacker forums looking LOST WALLETVAULT& REPLACEMENT for your compromised credentials being traded on Store your wallet contents in our secure digital the internet. vault. We will assist with canceling and replacing NON-CREDIT LOAN MONITORING them in the event of a loss. Payday Loans SOLICITATION REDUCTION Sub-prime Mortgage and Credit Card Loans Opt in or out of the National Do Not Call Registry, Auto Pawn/ Rent-to-Own Monitoring pre-approved credit offers, or junk email. High-interest, easy-to-obtain loans can quickly cause Damage to your credit score. Our fast alerts protect you from these attacks. HIGH-RISK APPLICATION & MORE THAN 50 MILLION AMERICANS ALREADY SUBSCRIBE TO TRANSACTION MONITORING IDENTITY THEFT PROTECTION. ARE YOU PROTECTED? Get real-time alerts when bank passwords are reset, or healthcare, payroll, or insurance records www.idwatchdog.com• 1.866.513.1518 are electronically accessed. Catch potential identity theft up to 90 days’ sooner Blog:blog.idwatchdog.com • Twitter:@ID_Watchdog • Facebook:idwatchdog1
69 My PetProtection® Discover the greatest pet insurance benefit ever offered.
My PetProtection®is offered exclusively to employees and give your pet superior protection at an unbeatable price.
1 • 90% back on vet bills • Visit any vet, anywhere • Exclusive to employees, not available to the general public • One price, regardless of pet’s age 2 • Best deal: average savings of 40% over similar plans from other pet insurers
My PetProtection helped these pets’ parents keep their bank accounts in the black.
Diagnosis&Treatment Diagnosis&Treatment Diagnosis&Treatment Foreign body removal from Too thin infection with Lung cancer spread rom $3,000 stomach $2,000 extractions $2,000 Liver tumor
Claim Amount $2,000 $1,500 $1,500 Reimbursement $1,235 by Nationwide $1,000 $1,000 $1,000 Annual deductible $0 $0 $0 *Annual deductible met on Luna-1-year-oldmixedbreeddog Whiskey-4-year-oldAmericanpitbullterrier* Toby- 11-year-oldgolden retriever* previous claim
MY PET PROTECTION PLAN MY PET PROTECTION PLAN WITH WELLNESS • $250 annual deductible • $250 annual deductible • Accidents & illnesses • Accidents & illnesses • Hereditary& congenital • Hereditary& congenital • Cancer • Cancer • Dental diseases • Dental diseases • Behavioral treatments • Behavioral treatments • Rx therapeutic diets& supplements • Rx therapeutic diets& supplements • Specialty & ER coverage included • Specialty & ER coverage included • 24/7VetHelplineaccess • 24/7VetHelplineaccess • Wellness exams Signup multiple pets with • Spay or neuter individual plans and receive a • Flea & tick discount3for even more savings. • Preventive dental cleaning& more!
Get a free,no-obligationquotetodayatpetinsurance.com/gpatpa
1Some exclusions may apply. Certain coverage may be subject to pre-existing exclusions. See policy document for a complete list of exclusions. 2Average based on similar plans from top competitors’ websites for a 4-year old Labrador retriever in Calif., 94550. Data provided using information available as of March 2016. 3Pet owners receive a 5% multiple pet discount by insuring two to three pets or a 10% discount on each policy for four or more pets.
70 401(k) Plan Highlights Group & Pension Administrators Profit Sharing Plan This section describes highlights of your employer’s retirement plan. It represents a general over view of the information printed in your employer’s Summary Plan Description(SPD). Your retirement program is more fully described in the formal provisions of your employer’s plan document. If there is a conflict between these plan highlights and your SPD, the language provided in the plan document will govern.
ELIGIBILITY REQUIREMENTS VESTING You are eligible to participate in the plan when you have You will always be 100% vested in the portion of your six months of service. account attributable to your Employee contributions. You are also 100% vested upon your death, normal ENROLLMENT DATES retirement, or disability. Your employer contributions are Once you have met the eligibility requirements, you subject to the following vesting schedule:
can join the plan January 1, April 1, July 1, and October1. Employer Match Contributions
EMPLOYEE CONTRIBUTIONS 1 Year of service 0% You may contribute1-25% of your annual compensation, 2 years of service 20% not to exceed $19,500 in 2020. Annual limitations are 3 years of service 40% s e t by the Internal Revenue Service (IRS) and are 4 years of service 60% subject to change. The tax laws may also let you 5 years of service 80% contribute an additional amount over the regular 6 yearsof service100% annual limit if you are at least50 years old. Check with your benefit manager to see if you can take advantage Contribution Change Frequency of the increased opportunity to ‘catchup’ and contribute You may stop contributions at any time. You may also even more to your employer’s plan. If your adjusted increase or decrease contributions quarterly.
gross income does not exceed certain limits, you may be Distribution and Withdrawals eligible for a tax credit. The 2020 limit is $6,500. You cannot take out a 401K loan. Funds are only available at retirement, death, disability, or termination of EMPLOYER CONTRIBUTIONS service. Employer Match Participant Account Statements Your employer has elected to match 50% of your contributions up to the first 6% of pay. Your investment statements are provided quarterly.
71 Additional Employee Benefits Paid Time Off(PTO)
It is the policy of the Company to grant paid time off to full-time employees. PTO is to be used for personal days, absences due to sickness, mental health days and vacation. No more than 40 hours may be taken at a time.
The established paid time off calendar year runs January 1 through December 31 each year. The amount of paid time off hours that are front loaded are based on the employee’s length of service (calculated based on seniority date, which is the first of the next year following your hire date) and on the time actually worked. If an employee exhausts all PTO for the year (including any approved leave of absence), they are not eligible to take any additional time off unless unpaid. By taking any unpaid time off they are not eligible for any payments made under the Incentive Compensation Plan that may be paid in December.
Full-time employees will be front loaded paid time off according to the following schedule:
Employees begin to earn PTO the first of the month following their 91st days of employment.
FULLTIME EMPLOYEES
Length of Service as ETO/PTO of January1
The following January after completion of the 120.00 hours (15 days) training period through 4 years
5 through 9 years 160.08 hours (20 days)
10 years and over 200.16 hours (25 days)
EMPLOYEES WORKING AT LEAST 30 HOURS PER WEEK
Length of Service as ETO/PTO of January 1
January of the training 90 hours (11 days) period through4years
5 through 9 years 120.06 hours (15 days)
10 years and over 150.12 hours (19 days)
*If you are a new hire or terminate employment mid-year, your PTO will be adjusted on accrued time. Please see written PTO Policy for more information.
72 Employees should submit paid time off plans to their Supervisor at least four (4) weeks in advance of the requested date. Management reserves the right to designate when some or all time off must be taken. All time for the last quarter of the year must be scheduled by October1st and no more than 40 hours may be scheduled for the last quarter of the year. All time off requests submitted after October 1 will be at the discretion of the Director/VP for approval.
Employees on a leave of absence, other than a military leave of absence, are required to use 7 days of their paid time off as part of the leave. When employment is terminated, employees will receive any unused earned time off accrued at the time of termination, if two (2) weeks’ notice is given. Although, paid time off is front loaded, at the time of termination you will only be given hours that have been accrued up to the termination date.
The Company has approved accrued ETO hours not to exceed 40 hours per year may be carried to the next year and/or you can cash-out these hours and be paid for the accrued ETO hours (not to exceed 40 hours.)
Hours missed can be made up only in the same week. If you are absent from work for any reason, it will be charged against your ETO. (Example: If you are absent for two (2) hours, you will be charged two (2) hours PTO.)
Tuition Reimbursement
It is the policy of the Company to provide educational assistance to its employees in accordance with the guidelines established below.
To be eligible for educational assistance, employees must have regular full-time status and at least one (1) year of service with the Company.
Eligible employees may be reimbursed only for courses of study that the Company determines are directly related to the employee’s present job or that will enhance the employee’s potential for advancement to a position within the Company and to which the individual has a reasonable expectation of attaining. In addition, only courses that are offered by pre- approved institutions of learning will be eligible for reimbursement.
Employees who want educational assistance must submit, in writing prior to enrollment, course(s) to be taken to their Director for approval. If the Director approves, the Director shall forward the request to the Human Resources Director and she will submit the request to the appropriate Officer. A written approval or denial will be returned to the employee. See the Full Policy and Reimbursement Forms on the ADP Portal
73 Holidays Newly Wed Day Off It is the policy of the Company to designate and observe The Company provides a day off with pay as a wedding certain days each year as holidays. Eligible employees will gift to any full-time employee who marries. A full-time be given a day off with pay for each holiday observed. employee working 40 hours will be paid eight (8) hours. Employees working only 30 hours will be paid six (6) hours. The Company may schedule work on an observed holiday, You must have completed your introductory period to be if the Company considers it necessary. Normally, work eligible for this gift. on an observed holiday will be paid as if the day were a regularly scheduled day. Employees will be Investment Club given the option of receiving additional pay for the day or a “floating” holiday that may be GPA sponsors an investment club called the Goldmine taken, with the prior approval of their supervisor, Investment Club. The club is a group of GPA employees at another time during the year. who meet on a regular basis (monthly) for the purpose of investing money. The invested sums can be as little as $10 a month. THE COMPANY OBSERVES THE FOLLOWING PAID HOLIDAYS: The reason for the club is so employees can come together • New Year’s Day • Post-Thanksgiving Day and learn how to invest. The club elect’s officers • Good Friday • Christmas Day annually, a president, vice president, treasurer and a • Memorial Day • Floating Holiday ( to secretary. • Independence Day be determined by • Labor Day the Company at the The Goldmine Investment Club is a general partnership. • Thanksgiving Day each year) Typically, a general partnership does not generate any tax liability on its own; instead any tax liability is passed
If a holiday falls on Saturday, the Company will be closed through to members each year. The club must file Form on the preceding Friday. If a holiday falls on Sunday, the 1065 and Schedule K-1s with the Internal Revenue Company will be closed onthe following Monday. Service each year. Please see written policy for more information. Service Awards Funerals It is the policy of the Company to recognize employee In the event of a death in your family, it is the policy of the contributions and service to the organization by company to grant paid time off to full-time employees. presenting employee recognition and service awards to Please see written policy for more information. eligible employees according to the guidelines below.
Jury/Witness Duty All full-time and part-time employees are eligible to receive a service award upon completion of five (5) years All full-time employees shall be allowed to attend of service and at the end of every additional five (5) years jury or Witness duty service in accordance withtheir of service. In addition, service with subsidiaries, legal obligations to do so. An employee who receives predecessors or acquired organizations counts toward a jury duty summons or subpoena shall present the service credit. summons to his or her supervisor as soon as possible. Please see written policy or more information.
74 Gym Membership Building Concierge Service Reimbursement GPA wants its employees to have rich home lives when not GPA cares about its employee’s health and wants to invest at work. This is why GPA wants to highlight the Concierge in an active lifestyle for all employees. Therefore, Services available as part of the benefits of having our GPA employees who pay for a gym membership can be home in this building. Employees can purchase discount reimbursed $10 per pay period. The employee must tickets to most events at venues all around the Dallas-Fort submit a copy of the club contract to the HR Department. Worth area.
All ticket orders must be placed no later than 2:00 pm on Employee Referral and Thursdays. Deliveries will be made at your building every Bonus Program Friday by 12:00 noon. Please pick up tickets no later than 4:00 pm that same day. For any off standard pick Do you know someone who would be a perfect fit to work here at GPA? Adding new talent is critical to our continued up times and questions, contact the Concierge Team at success and making a difference in the lives of others. If Concierge Connection directly by calling 972-770-4045 or you refer a candidate that is hired into the GPA family, you: emailing [email protected]. You can also log onto Will be eligible for a bonus of $300 dollars paid in your the website atwww.texasconciergeconnection.com. paycheck following the new hire's completion of their 90-day waiting period. You will need to complete the Special Perks referral bonus form available in the ADP portal. • Fresh Fruit delivered on Monday and GPA Shirts Wednesday (includes San Antonio location) • Dry Cleaning – Contact Linda Bivings x2530 • Can be purchased from Land's End online (Dallas office only) store at • FREE Gym in the Building (Dallas office only) https://business.landsend.com/store/ groupandpensionadmins • FREE Yoga Classes on Monday- Thursday (Dallas office only) • Or you can call 1-800-990-5439 • FREE Flu Shots (includes San Antonio location)
• FREE Onsite Health Screening (includes San Antonio location)
• FREE Coffee, Tea, Hot Chocolate (includes San Antonio location)
75 Notes
76 Notes
77 TEAM SPIRIT A genuine consideration for others and eagerness to sacrifice personal interest of glory for the welfare of all.