3 / 23
2015 Benefits Guide
Contact Information ..................................................................................................................................................................... 1
Understanding Your Health Plan Options .................................................................................................................................... 2
Your Health Plan Options ............................................................................................................................................................ 5
Dental Insurance.......................................................................................................................................................................... 7
Vision Insurance .......................................................................................................................................................................... 8
Flexible Spending Accounts (FSAs) ............................................................................................................................................ 9
Basic Life and AD&D ................................................................................................................................................................. 11
Voluntary Life and AD&D and Dependent Life........................................................................................................................... 11
Disability Insurance.................................................................................................................................................................... 12
Long-Term Care ........................................................................................................................................................................ 12
Call A Doctor Plus...................................................................................................................................................................... 13
401(k) Retirement Plan.............................................................................................................................................................. 13
Paid Time Off (PTO) .................................................................................................................................................................. 13
Service Awards.......................................................................................................................................................................... 15
Voting ........................................................................................................................................................................................ 15
Worker’s Compensation Insurance............................................................................................................................................ 15
Leave of Absence ...................................................................................................................................................................... 16
Business Travel Expenses ........................................................................................................................................................ 16
Banking Accounts ...................................................................................................................................................................... 17
Medicaid CHIP Notice................................................................................................................................................................ 17
Summary of Material Modification.............................................................................................................................................. 17
Special Enrollment Notice.......................................................................................................................................................... 18
Women’s Health and Cancer Rights Act of 1998....................................................................................................................... 18
Notice of Privacy Practices ........................................................................................................................................................ 18
Marketplace Options.................................................................................................................................................................. 18
Definition of Insurance Terms.................................................................................................................................................... 19
Table of Contents