Benefits for your life. Your Sykes Enterprises, Incorporated 2018 Benefits Decision Guide for Group 2 Eligible Employees OPEN ENROLLMENT: OCTOBER 4 – OCTOBER 19 BENEFITS EFFECTIVE: JANUARY 1 - DECEMBER 31, 2018 Your Enrollment Checklist Read this guide for a benefits overview and helpful tips. Visit sykesbenefits.sykes.com to learn more about your personal options. Use the tools and resources on the website to help you make your choices. Select your benefits for 2018. If you do not enroll, you will be automatically enrolled in your current coverage with the exception of spending and savings account elections. Spending and savings account elections do not roll over from year to year, so you must make a new election for each year if you want to participate. sykesbenefits.sykes.com | 1-855-543-4322 Welcome to your 2018 benefits! SYKES is pleased to offer a wide selection of benefits for 2018 that offer you flexibility and choice, an easy online shopping experience and the ability to take charge of your benefits spending. Here’s how it works: • Visit sykesbenefits.sykes.com to access Mercer Marketplace 365. The website features built-in decision support to guide you through the benefits selection process – one step at a time. • Review the benefits available to you, which are summarized in this guide and on the website. • Choose the plans that best meet your needs and fit your budget. Be sure to enroll by October 19! Questions? Mercer Marketplace 365 benefits counselors are ready to help you understand your options and make the right choices for your needs and budget. Beginning October 4, simply call the toll-free number listed below or visit sykesbenefits.sykes.com and start an online chat for personal assistance. 1-855-543-4322 October 4 – October 19 benefit counselors are available Monday through Friday, 7 am to 10 pm ET, and Saturday, 10 am to 2 pm ET. Visit sykesbenefits.sykes.com for call center hours outside of your Open Enrollment. What happens if I don’t enroll? Remember, your enrollment period ends on October 19! If you do not enroll, you will be automatically enrolled in your current coverage with the exception of spending and savings account elections. Spending and savings account elections do not roll over from year to year, so you must make a new election for each year if you want to participate. If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you more choices about your prescription drug coverage. Please see the Creditable Prescription Drug Coverage and Medicare Notice in the Legal Notices at the back of this booklet for more details. What’s Inside New for 2018 ....................................................................................................................... Page 3 How to Enroll ....................................................................................................................... Page 4 HEALTH BENEFITS Medical and Prescription Drug Coverage ........................................................................... Page 6 Mercer Marketplace 365 HUB ............................................................................................. Page 11 Spending and Savings Accounts ......................................................................................... Page 12 Supplemental Medical Insurance ........................................................................................ Page 15 Dental Insurance ................................................................................................................. Page 16 Vision Insurance .................................................................................................................. Page 17 LIFE & DISABILITY Life Insurance ..................................................................................................................... Page 18 Disability Insurance ............................................................................................................. Page 19 MORE BENEFITS Commuter Benefits ............................................................................................................. Page 20 Legal Benefits ..................................................................................................................... Page 20 Identity Theft Protection .................................................................................................... Page 20 Pet Insurance ...................................................................................................................... Page 20 Online Discount Mall ............................................................................................................ Page 21 Financial Wellness ............................................................................................................... Page 21 CONTACT INFORMATION .............................................................................................. Page 22 LEGAL NOTICES .............................................................................................................. Page 23 2018 PREMIUM RATES .................................................................................................... Page 35 Visit Mercer Marketplace 365 to enroll in your benefits beginning October 4! sykesbenefits.sykes.com 1-855-543-4322 | 2 New for 2018 Below are the coverage offerings that have changed or are new for 2018. More details about the plans can be found in this guide and on sykesbenefits.sykes.com. MEDICAL PLANS Mercer Financial Wellness • Cigna is the new carrier for Utah residents only. Utah residents will no longer be eligible for Blue Cross Blue You can now elect a new benefit - Shield of Florida. Current participants will automatically Mercer Financial Wellness. With tools be mapped over to Cigna. like credit score management, • Transamerica Limited Medical Plan design has changed and all of the current participants will be mapped to the budgeting, retirement solutions, new plan design. student loan refinancing, easy • Aflac Hospital Indemnity Benefit for employee-only investing and financial coaching, you coverage is now 100% paid for by SYKES when enrolling can set yourself up for financial in the $2,500 or $4,500 Deductible plan. success. You'll find options geared to your goals. Get a handle on your cash DENTAL PLANS flow, credit card balances and student • You will be offered the same dental plans as last year. loan debt. Wherever you are on your financial journey, these tools are here VISION PLAN to help! • You will be offered the same vision plan as last year. Real Appeal Though each of us may have different goals for our health, taking simple steps in the right direction leads to positive life changes and helps us to achieve these goals. This is why beginning January 1, 2018, we are offering Real Appeal, a free* and convenient 52-week online weight loss program that is designed to solve the typical barriers to managing your health. Real Appeal helps you lose weight and reduce your risk of developing certain diseases like diabetes and cardiovascular disease as it’s based on decades of proven clinical research. Most members lose an average of 10 pounds after completing only four sessions of the program. When you enroll, you receive: • 52 weeks of access to a Transformation Coach. Your coach guides you through the program and develops a simple, customized plan that fits your needs, preferences and goals. • 24/7 access to digital tools and dashboards that help you track your food, activity and weight. • A success kit full of healthy weight management tools including fitness guides, a recipe book (with quick family meal ideas and fast-food eating tips), weight scale and more. • Support from weekly online group classes to learn healthy ideas from your coach and other members who share what’s helped them achieve success. Real Appeal strives to inspire members to find the strength, the belief and the trust that change is in every one of us. If you’re ready to spark your transformation, Information regarding how to enroll will be available soon. *Real Appeal is available at no additional cost to eligible employees, spouses and dependents 18 years and older on one of our SYKES HDHP insurance plans with a BMI of 23 or higher. 3 | sykesbenefits.sykes.com How to Enroll It’s easy to enroll! The Mercer Marketplace 365 website takes you through your benefits shopping one decision at a time, providing helpful education and decision support every step of the way. If you don’t have access to a computer, you can enroll with a benefits counselor by calling 1-855-543-4322. Get started at sykesbenefits.sykes.com. LOG IN Visit sykesbenefits.sykes.com to enroll. Your Sykes login credentials are used for access. If you need assistance with your SYKES password, please contact Mercer Marketplace 365 benefits counselors at 1-855- 543-4322. START SHOPPING Once you’ve logged in, click on the “Get started” button and follow these simple enrollment steps: 1. Profile • Review your personal information. • Enter information for any dependents you wish to cover, if needed. This includes dependent Social Security Numbers and dates of birth. 2. Shop for Benefits • Answer questions to help identify the best coverage for your needs. • Compare plan features and costs. • Use the educational resources to learn more. • Select the benefits in which you want to enroll. Make sure you hit “Save” after each benefit election. 3. Confirm & Finish • Review the summary of your