2018 Benefit Summary Guide Arent Fox Table of Contents Benefits Overview .................................................................................................................................................................................................3 Benefit Plans Offered .........................................................................................................................................................................................3 Eligibility—Full-time ...........................................................................................................................................................................................3 Eligibility—Part-time ...........................................................................................................................................................................................3 New for 2018 .........................................................................................................................................................................................................4 New Life and STD / LTD Carrier ........................................................................................................................................................................4 New Voluntary Benefits — Critical Illness, Hospitalization, and Voluntary Accident .........................................................................................4 Medical Benefits ....................................................................................................................................................................................................5 Dental Benefits ......................................................................................................................................................................................................7 Vision Benefits .......................................................................................................................................................................................................8 HSA .......................................................................................................................................................................................................................9 What’s the benefit of an FSA? .........................................................................................................................................................................10 Flexible Spending Account – Medical .................................................................................................................................................................10 Medical FSA .....................................................................................................................................................................................................10 Limited Purpose FSA .......................................................................................................................................................................................10 Flexible Spending Account – Dependent ...........................................................................................................................................................10 Dependent Care FSA .......................................................................................................................................................................................10 Basic Life and Accidental Death & Dismemberment Insurance .........................................................................................................................11 Basic Life Insurance Coverage ........................................................................................................................................................................11 Accidental Death and Dismemberment (AD&D) Insurance ............................................................................................................................11 Additional (Voluntary) Insurance ......................................................................................................................................................................11 Short-Term Disability (STD) .................................................................................................................................................................................12 Long-Term Disability (LTD) ..................................................................................................................................................................................12 Supplemental Long-Term Disability .................................................................................................................................................................12 Bright Horizons ....................................................................................................................................................................................................13 EAP Services .......................................................................................................................................................................................................14 Federal Laws | Disclosures | Notices ................................................................................................................................................................15 Medicare Part D Notices ..................................................................................................................................................................................15 New Health Insurance Marketplace Coverage Options and Your Health Coverage.......................................................................................17 Protecting Pregnant Workers Fairness Act ......................................................................................................................................................20 Your Rights Under USERRA .............................................................................................................................................................................21 HIPAA Special Enrollment Rights.....................................................................................................................................................................22 Women’s Health and Cancer Rights Act of 1998 ............................................................................................................................................22 Newborns’ And Mother’s Health Protection Act ..............................................................................................................................................23 COBRA .............................................................................................................................................................................................................23 Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP) .......................................................................26 Contact Information ............................................................................................................................................................................................28 Employee Contributions for Benefits ..................................................................................................................................................................28 Benefits at a Glance ............................................................................................................................................................................................29 If you 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 page 15 for more details. This document is an outline of the coverage proposed by the carrier(s), based on information provided by your company. It does not include all of the terms, coverage, exclusions, limitations, and conditions of the actual contract language. The policies and contracts themselves must be read for those details. Policy forms for your reference will be made available upon request. The intent of this document is to provide you with general information regarding the status of, and/or potential concerns related to, your current employee benefits environment. It does not necessarily fully address all of your specific issues. It should not be construed as, nor is it intended to provide, legal advice. Questions regarding specific issues should be addressed by your general counsel or an attorney who specializes in this practice area. 2 Arent Fox Benefits Overview Arent Fox is proud to offer a comprehensive benefits package to all eligible, full-time employees who work 30 hours or more per week on average. The complete benefits package is briefly summarized in this booklet. You will receive additional documents which give you more detailed information about each of these programs. Employees share a portion of costs of some benefits while Arent Fox firm partners pay the full cost of benefits. In addition, there are voluntary benefits with reasonable group rates employees can elect through Arent Fox. Most benefits are eligible for payroll deductions. Benefit Plans Offered