Summary Plan Descriptions TABLE of CONTENTS
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The Benefits of Living Well 2015 Summary Plan Descriptions TABLE OF CONTENTS ........................................................................................... CHAPTER General and Administrative Information ........................................................Introduction Medical Plans ...........................................................................................................................................1 Medical Coverage During Retirement ....................................................................................1a Dental Plans...............................................................................................................................................2 Vision Plan ..................................................................................................................................................3 Disability Plan ...........................................................................................................................................4 Life and Accident Insurance Plans .............................................................................................5 Health Care Flexible Spending Account Plan .....................................................................6 Dependent Care Flexible Spending Account Plan ...........................................................7 General Information Retirement Income Program ............................................................8 401(k) Savings Plan ..............................................................................................................................9 Pension Account Plan ......................................................................................................................10 Severance Plan .....................................................................................................................................11 This Summary Plan Description (SPD) is merely a summary of the terms of the Plan. In the event of a conflict between the actual terms of the Plan and this summary, the terms of the Plan shall control. The Company reserves the right to unilaterally amend, modify or terminate the Plan in its sole discretion at any time for any reason. General and Administrative Information CONTENTS . Page Introduction . Intro-1 Eligibility . Intro-2 • Eligible Dependents . Intro-2 • Same-Sex Spouses or Same-Sex Domestic Partners . Intro-2 Enrolling in Signature Select. .Intro-3 • Default . Intro-3 • Annual Enrollment . Intro-3 Changing Your Coverage. .Intro-4 • Changes in Status . Intro-4 Paying for Your Benefits . Intro-7 When There is Other Coverage. .Intro-8 • Coordination of Benefits . Intro-8 When Coverage Ends . Intro-10 COBRA Continuation of Coverage. Intro-11 Plan Identification. .Intro-14 Plan Insurers/Claim Administrators . Intro-15 Plan Documents. Intro-16 Plan Administration. .Intro-16 Claim Denial and Appeal . Intro-17 Changing or Terminating the Plan . Intro-21 Your Rights. Intro-21 • Your Rights Under ERISA . Intro-21 • Your Rights Under WHCRA. Intro-22 • HIPAA Privacy Notice. Intro-22 Independent Contractors. Intro-27 Employment at Will . Intro-27 GENERAL & ADMINISTRATIVE INFORMATION INTRODUCTION Berryville Graphics, Inc. and Coral Graphic Services, Inc., including its Dynamic Graphic Finishing division, which are part of BE Printers America, a division of Bertelsmann, Inc., are participating employers (each a “Participating Employer” or “Company”) in the Bertelsmann Employee Protection Plan, sponsored by Bertelsmann, Inc. and generally known as the Signature Select Benefits Program (“Signature Select” or the “Plan”). Signature Select is a comprehensive and flexible benefits program that provides choice and protection for eligible employees of BE Printers America (often referred to in this document as “Employees” or, simply, “you”) and their eligible dependents. Signature Select gives you the opportunity to choose from a variety of options in the following coverages: • Medical and Prescription Drug • Dental • Vision Care • Disability Income • Employee Life and Accidental Death & Dismemberment Insurance (Basic, Supplemental) • Business Travel Accident • Dependent Life Insurance • Health Care Flexible Spending Account (FSA) • Dependent Care Flexible Spending Account (FSA) You choose the level of coverage you need under each option, or in some cases, you can decline coverage entirely. Your cost of coverage depends on the types and levels of coverage that you select, and for certain coverages, your salary. Unless stated differently, this Summary Plan Description (SPD) describes the available coverages and benefits under the Plan as of January 1, 2015. GENERAL & ADMINISTRATIVE INFORMATION | INTRO-1 ELIGIBILITY You are generally eligible to participate in Signature Select if you otherwise terminated due to age. To qualify for coverage, disabled are a regular, full-time employee of the Company who is regularly dependents must have been disabled prior to age 26 and covered scheduled to work at least 30 hours per week, provided that you under Signature Select medical coverage or another medical are not subject to an employment agreement with the Company plan. that specifically excludes participation. * An exception applies for Dependent Life Insurance. Foster As a regular full-time employee, your coverage under Signature children are not eligible dependents for this coverage. Select is effective the first of the month following 60 days of service, provided that you timely complete applicable enrollment Eligible Dependents – Dependent Care Account requirements (see Enrolling in Signature Select below). If you are Eligible dependents for purposes of the Dependent Care Account not in “active employment” status (e.g., if you are disabled or on an are those who live with you at least half of the year and who are: approved leave of absence) when your coverage would otherwise become effective, your coverage will be postponed until the first • Your children under the age of 13 (natural, legally adopted, day you commence (or return to) active employment. foster or stepchildren), or If you are eligible to participate in the Medical, Dental, Vision Care • Your spouse or other dependent (e.g., a parent or spouse’s or Dependent Life Insurance options, you may also choose to parent) who spend at least half the year at your home and is cover your eligible dependents. mentally or physically incapable of caring for himself or herself. Eligible Dependents – Medical, Dental, Vision Important Information Regarding Same-Sex Care and Dependent Life Insurance Spouses Eligible dependents who may be enrolled in Medical, Dental, The Plan makes spousal benefits available to married same-sex Vision Care, and/or Dependent Life Coverage under Signature couples that reside in states that recognize same-sex marriage. Select include your: Upon enrollment of a same-sex spouse, ConSova (our third-party • Spouse or same-sex domestic partner (please see page Intro-2 vendor who handles ongoing dependent eligibility audits) will for important information) complete a dependent verification audit as they do for all new spouses added to Signature Select. • Dependent children under age 26, including your (or your spouse’s or same-sex.