Guiding You Through Your 2023 Benefits
Welcome to Your 2023 Benefits
We recommend that you thoroughly review this entire guide before making your benefit decisions.
In addition, we encourage you to:
• Compare this coverage to your spouse’s coverage to optimize all benefits available to you.
• Estimate the types of services you might need in the upcoming year to ensure you aren’t under or over-insured.
• Consider the needs of your child(ren) and any other dependents.
Benefit Eligibility
Full time employees working at least 30 hours per week and their eligible dependents are permitted to participate in the Temp-Con/TP Mechanical benefits program. Benefits effective date: 1st of the month following a 30-day waiting period.
IRS Qualifying Life Event
After your initial enrollment, you are not permitted to make a change to your benefits unless you experience an IRS qualifying event or until open enrollment (January 2024). If you experience a qualifying event, you must notify the Human Resources Department within 30 days of the event to make a corresponding change to your benefit elections.
Guiding You Through Your 2023 Benefits: Welcome to Initial Enrollment
02
1. Log in at tp.4mybenefits.net.
2. Click on “Enroll”.
3. Login with your username and password.
Temp-Con Employees
Your username consists of:
• “TC”
• Your current Employee ID Number, with leading zeros to make it a 4-digit number
• The year you were born
Your password is your birthdate in this format: YYYYMMDD
EXAMPLE: John Smith, whose Employee ID number is 4 and was born in 1975, would have a login of “TC00041975”.
A birthdate of February 7, 1975 would look like this: “19750207”.
TP Mechanical Employees
Your username consists of:
• “TP”
• Your Employee ID (can be found on your check stub)
• The year you were born
Your password is your birthdate in this format: YYYYMMDD
EXAMPLE: John Smith, whose Employee ID is SMITJ and was born in 1975, would have a login of “TPSMITJ1975”.
A birthdate of February 7, 1975 would look like this: “19750207”.
4. Click “Login”. You will then be taken to the Welcome Screen to begin your enrollment, make changes to your benefits, see your benefit summaries & review benefit plan information, among other resources.
5. Click “Get Started” to begin enrolling.
6. Once you are enrolled, you will be given a Confirmation Statement to download, email or print for your own records.
7. Review your enrollment elections for accuracy.
8. If you need additional assistance or prefer to enroll over the phone, please call 1-866-575-5089.
How To Enroll
All employees are required to complete the benefit election process in 4myBenefits. If you do not complete the election process, you will not have coverage for the 2023 plan year.
03
You Through Your 2023 Benefits: How To Enroll
Guiding
What is my 4myBenefits Username & Password?
Medical Plan
Medical Coverage
What’s the Benefit?
Employer-sponsored health insurance pays for part or all of the medical services you (and your covered family members) receive.
How Does it Work?
You receive an ID card to share with your health care service providers, such as your primary care doctor, that will give them information about whom to bill for the services you receive. You will get an explanation of benefits from your medical carrier after your visit. This document will tell you how much of the total cost was covered by the medical plan and the portion remaining for you to pay your medical provider(s).
Considerations:
Temp-Con/TP Mechanical offers three medical plans options. Here are a few tips to consider when determining which plan is right for you and your family:
04 Guiding You Through Your 2023 Benefits: Medical Coverage Evaluate your risk Estimate your medical expenses for the upcoming calendar year Understand your past medical expenses
*Disclaimer: It’s recommended that you use in-network providers. See
7 for
details. 05 Guiding You Through Your 2023 Benefits: Medical Plans with In-Network Benefits* PPO HRA HDHP with HSA Deductible (Embedded for PPO & HRA) $3,000 Single $6,000 Family $5,000 Single $10,000 Family $2,000 Single $4,000 Family Out-of-Pocket Maximums (Includes Ded. & Copays) (Embedded for all plans) $6,500 Single $13,000 Family $6,350 Single $12,700 Family $6,000 Single $12,000 Family Coinsurance UMR Pays 80% You pay 20% UMR Pays 80% You pay 20% UMR Pays 80% You pay 20% Preventive Care (Annual Check-ups) No cost to you No cost to you No cost to you Primary Care Office Visit No charge Deductible, then 20% Deductible, then 20% Specialist Office Visit $100 copay Deductible, then 20% Deductible, then 20% Inpatient Hospital Care Deductible, then 20% Deductible, then 20% Deductible, then 20% Outpatient Hospital Care Deductible, then 20% Deductible, then 20% Deductible, then 20% Emergency Room $250 copay + Deductible, then 20% Deductible, then 20% Deductible, then 20% Urgent Care $50 copay Deductible, then 20% Deductible, then 20% Medical Plan Medical Plans Prescription Drug Coverage In-Network Benefits* PPO HRA HDHP with HSA 30-Day Supply Rx Tier 1 |Tier 2 | Tier 3 Specialty $5 | $50 | $100 $250 $10 | $35 | $70 Same as above Deductible, then 20% Same as above 90-Day Supply Rx Tier 1 |Tier 2 | Tier 3 $12.50 | $125 | $250 $25 | $87.50 | $175 Deductible then 20% Rx Deductible $250 Single $500 Family (Applies to Tier 3 & Specialty Only) None Medical deductible applies with UMR partners with CVSCaremark to provide the prescription drug coverage under each of the medical plans. This page only shows highlights of the services covered under the medical plan. For full plan details, review the plan documents located in 4myBenefits.
page
more
Cost of Medical Coverage
Rates
Per
Pay Rates* PPO
Non-Tobacco Discount
$10 per week will be added to your rate if you are a tobacco user. An additional $10 per week will be added to your rate if your spouse is a tobacco user.
Employees who are benefit eligible on or before 05/01/2023: The discount will apply to you if you (and your enrolled spouse) are tobacco free as of 05/01/2023.
Covering Your Spouse
If you decide to enroll a spouse who has access to medical coverage through his/her employer, $30 per week will be added to your rate. Employees enrolling a spouse on the medical plan must complete a Spousal Affidavit on the enrollment site.
06
Guiding You Through Your 2023 Benefits: Cost of Medical Coverage
Employees who are benefit eligible between 06/01/2023 and 12/01/2023: The discount will apply to you if you (and your enrolled spouse) are tobacco free as of 12/01/2023. HRA HDHP with
HSA
Employee Only $0.00 $0.00 $0.00
Employee + Spouse $89.98 $104.91 $58.87 Employee + Child(ren) $71.23 $84.42 $56.54 Family $123.72 $142.86 $99.18 *Based on 52 pay periods
Fully Discounted
The rates in the table above reflect the full discount available for each plan.
with Medical Plan Finding A Doctor
It is recommended that you use in-network providers and facilities for medical care. You do have access to out-of-network benefits, but there is an additional cost associated. You may be balanced billed if you go to an out-of-network provider.
To determine if a doctor or facility is considered in-network:
1. Go to www.umr.com and click on “Find a provider”.
All Temp-Con/TP Mechanical medical plans are part of the “UnitedHealthcare Choice Plus” network.
2. When prompted, enter the network name in the text box and begin searching.
Once you receive your UMR ID Card, you can access a number of tools by creating a member account. Click the button below to watch an overview video:
07
Benefits:
Pricing
Guiding You Through Your 2023
Finding a Doctor &
A Prescription
Medical Plan
with
Pricing A Prescription
appropriate prescription drug formulary list
To determine if a prescription is covered: 1. Consult the
All Temp-Con/TP Mechanical medical plans are part of the “CVSCaremark AC” formulary. 2. Visit www.caremark.com/ACdruglist to begin searching
Now: UMR Member Tools
For more information, click the button below: Watch
CVSCaremark Welcome Center
The Importance of Preventive Care
The most important factor in living a healthy life is to take a proactive approach. It’s so important to make sure you are visiting your doctor each year for your annual physical.
Preventive screenings are also crucial because they can help detect health conditions before they become a serious concern. Your doctor will help you stay on track with your age- and gender-appropriate screenings.
And best of all—it’s free! Your preventive care visits and screenings are 100% covered by your health plan.
Annual Physical Routine Screenings Routine Blood Tests Vaccinations Routine Pediatric Care Your annual visit to your doctor to receive your physical is 100% covered by your health plan. Mammograms Blood Pressure Colonoscopies Glucose Cholesterol Well-Baby and Well-Child Visits from Birth to Age 21 Vaccines & Boosters Flu Shots COVID-19 Vaccine 08 Guiding You Through Your 2023 Benefits: Importance of Preventive Care
One of the top ways you can save money on health care expenses is thinking about the appropriate place to receive care when you need it. If you were to fall and break your arm the treatment you would receive in an emergency room unit and at an urgent care would be similar but would cost approximately 54% more at the emergency room. You will save money on your health care expenses if you only utilize the emergency room for true emergencies. Here are a few things to think about when navigating where to go for
Telemedicine (Access Soon) Use Telemedicine for the timely treatment of acute or chronic illnesses, or when it is hard to access Primary or Urgent Care Common illnesses Chronic illnesses Rural areas Inclement weather Primary Care Physician (Go Soon) Visit your Primary Care Physician for the timely treatment of acute illnesses and injuries Preventive care Common illness Ongoing conditions Urgent Care Physician (Go Quickly) Visit your local Urgent Care facility for the timely treatment of acute illnesses and injuries Minor allergic reactions Sprains Sore Throat Vaccinations Mild to moderate asthma attack Emergency Room (Go Now) Visit an Emergency Room or call 911 for more serious or life-threatening conditions Heart attack symptoms High fever Difficulty breathing Blood loss Loss of consciousness 09 Guiding You Through Your 2023 Benefits: Where to Go for Care Where to Go for Care Serious allergic reactions
care:
Health Reimbursement Arrangement (HRA)
What’s the Benefit?
A Health Reimbursement Arrangement (HRA) is an employer-funded account that helps to offset some of the major medical expenses employees receive.
How Does it Work?
Only employees who select the “HRA” medical plan option, will have access to the HRA benefits. When you incur medical expenses that are subject to the deductible, the HRA will help pay for a portion of those expenses. However, the HRA will only pay 50% of deductible expenses up to the maximum amounts listed in the table below.
The HRA is fully integrated with the UMR HRA medical plan – this allows employees to automatically obtain the HRA benefits without having to take any additional steps.
You will be able to see how the HRA works by viewing the Explanations of Benefits (EOBs) sent to you after receiving medical care.
10
You Through Your 2023
Maximum HRA Contributions Single $1,000 Family $2,000
Guiding
Benefits: Health Reimbursement Arrangement (HRA)
Health Savings Account (HSA)
What’s the Benefit? A health savings account (HSA) is a savings account that can be used to pay for qualified health expenses (medical, dental, vision, etc.)
How Does it Work? Only employees who select the “HDHP with HSA” medical plan option, will be able to contribute to an HSA. When you enroll in an HSA, you elect an amount to be taken from your paycheck (pre-tax) and placed into a savings account. You can use your HSA at the time of service, when you get a bill or to reimburse yourself on the back end.
Eligibility:
There are certain reasons why you may not be eligible for an HSA, these include:
• You or your spouse are enrolled in a NON-QUALIFIED health plan
• You or your spouse are contributing to a healthcare flexible spending account (FSA)
• You are enrolled in VA, CHIP, Medicare or Medicaid benefits
• You can be claimed as a dependent on another person’s tax return
Considerations:
• You must be enrolled in a qualified high deductible health plan to contribute to an HSA.
• Your contributions into the account and distributions made from the account are tax exempt.
• Make sure you use the account only for qualified expenses or else penalties will apply. A list of qualified expenses is set by the IRS and can be found at www.irs.gov.
• HSA funds rollover from year to year and you may have the opportunity to invest the funds.
• You can use your HSA on your spouse or tax-dependent children (even if they aren’t covered by your medical plan).
This page only shows highlights of the HSA. For full plan details, review the plan documents located in 4myBenefits.
11
2023 Maximum HSA Contributions* Single $3,850 Family $7,750 The IRS establishes a maximum amount that you can contribute to an HSA each year: with
Guiding You Through Your 2023 Benefits: Health Savings Account (HSA)
*If you are over the age of 55 you may contribute an additional $1,000 annually towards your
HSA.
with
What’s the Benefit? When you enroll in an FSA, you elect an amount to be taken from your paycheck (pre-tax) and placed into a spending account. You can use your FSA funds to pay for qualified expenses.
Healthcare FSA Limited FSA*
A healthcare flexible spending account (HCFSA) is an account that can be used to pay for qualified medical, dental and vision services.
The full amount you elect to contribute is available to you upfront. You can use your FSA at the time of service, when you get a bill or to reimburse yourself on the back end.
You cannot contribute towards an HSA if enrolled in a healthcare FSA.
A limited flexible spending account (LFSA) is an account that can be used to pay for dental and vision services ONLY.
The full amount you elect to contribute is available to you upfront. You can use your LFSA at the time of service, when you get a bill or to reimburse yourself on the back end.
*The LFSA is only an option for those who are also contributing towards an HSA.
Dependent Care FSA
A dependent care FSA (DCFSA) is an account that can help pay for daycare or other eligible expenses.
The funds that you elect to contribute will be available as you contribute them. You can use your DCFSA when you get a bill or to reimburse yourself on the back end.
You CAN have an DCFSA and be contributing towards an HSA. Make sure you are using an eligible daycare provider.
Funds do NOT roll over to the next calendar year - any unused funds will be forfeited at the end of 2023.
The IRS establishes a maximum amount that you can contribute to an FSA each year:
This page only shows highlights of the FSAs. For full plan details, review the plan documents located in 4myBenefits.
Spending Accounts
12 Guiding You
Your
Benefits: Flexible Spending
(FSAs)
Flexible
(FSAs)
Through
2023
Accounts
How Does it Work? There are three different types of FSAs and they all have different qualified expenses. 2023 Maximum FSA Contributions Healthcare FSA Limited FSA Dependent Care FSA Single $3,050 $3,050 $5,000 Family $3,050 $3,050 $5,000 if married, but filing a joint tax return $2,500 if married, but filing separate tax returns
Dental
What’s the Benefit?
How Does it Work?
Plans
Your dental plan covers your routine dental cleanings and can help offset additional dental expenses
basic
major services.
from
to
Every dental plan is different so make sure you view your plan details carefully to know what’s covered and how it’s covered. Considerations: • The annual maximum on your dental plan is the maximum amount Guardian will pay - including your preventive exams. Once you reach your annual maximum for the year, you pay the full cost of any additional services. • If you use your plan at least once, and do not meet the rollover threshold, you will be eligible to rollover some funds into a “maximum rollover account” and applied to the next plan year! • It’s recommended that you have your dentist submit for a pre-determination prior to receiving services. A predetermination will tell you if a service is covered and how much you will owe. In-Network Benefits* Base Plan Buy-Up Plan Deductible (Single/Family) $50/$150 $25/$75 Annual Maximum (per person) Rollover Threshold $1,000 $500 $1,500 $700 Preventive Services 100% 100% Basic Services** Deductible, then 80% Deductible, then 80% Major Services** Deductible, then 50% Deductible, then 50% Orthodontia (only for children up to age 19) Not covered 50% up to a lifetime maximum of $1,250 *Disclaimer: It’s recommended that you use in-network providers to receive care. You may be balanced billed if you receive care from an out-of-network provider. To find an in-network dentist, click the button below and select “PPO: DentalGuard Preferred” as the plan type. **Endodontics & Periodontics are covered as Major Services on Base plan, but Basic Services on Buy-Up plan 13 Guiding You Through Your 2023 Benefits: Dental Plans with Per Pay Rates* Base Plan Buy-Up Plan Employee Only $0.00 $1.85 Employee + Spouse $8.52 $14.42 Employee + Child(ren) $9.02 $15.14 Family $9.69 $16.15 Cost of Dental Coverage Guardian: Find A Dentist This page only shows highlights of the services covered under the dental plan. For full plan details, review the plan documents located in 4myBenefits. *Based on 52 pay periods
What’s the Benefit?
How Does it Work?
Vision Plan
Your vision plan helps pay for routine eye exams and prescription glasses and/or contact lenses.
In-Network Benefits* Exam
every calendar year) $10 copay Spectacle Lenses Single,
Trifocal, & Lenticular
$20 copay Additional Lens Enhancements
$130
Contact
$130
14 Guiding You Through Your 2023 Benefits: Vision Plan with Per Pay Rates* Employee Only $1.14 Employee + Spouse $2.16 Employee + Child(ren) $2.19 Family $3.48 Cost of Vision Coverage Guardian: Find A Provider
services
*Based
Use this plan to help cover your preventive exams, get the prescription eyewear that fit your needs or help offset the cost of contact lenses. *Disclaimer: It’s recommended that you use in-network providers to receive care. You may be balanced billed if you receive care from an out-of-network provider. To find an in-network vision provider, click the button below and click on “Find An Eye Care Professional”. **In lieu of spectacle lenses and/or frames. The plan only allows for you to get spectacle lenses and/or frames OR contact lenses in one year.
(once
Bifocal,
(once every calendar year)
(Tint, Scratch Resistance, etc.) Available at a discount Frames (once every other calendar year)
allowance, then 20% off balance over $130
Lenses** (once every calendar year)
allowance, then 15% off balance over $130
This page only shows highlights of the
covered under the vision plan. For full plan details, review the plan documents located in 4myBenefits.
on 52 pay periods
How Does it Work?
Life and AD&D Insurance Employer-paid Life and Accidental Death & Dismemberment (AD&D) Coverage Policy Amount Options Maximum Policy Amount Allowed Guarantee Issue (GI) Amount Employee $10,000 The lesser of 5x Salary or $500,000 $200,000 Spouse $5,000 $250,000 or 50% of employee policy amount $50,000 Child(ren) $2,000 $10,000 or 50% of employee policy amount All Amounts Voluntary Life and Accidental Death & Dismemberment (AD&D) Coverage*
Benefit? All employees are provided with a $25,000 life and AD&D policy at no cost!
What’s the
Life insurance will pay your beneficiary a lump sum in the event that you pass away. AD&D pays an additional benefit if you are involved in an accident.
Benefit? You have an opportunity to purchase additional Life and AD&D Coverage on top of
Mechanical already provides to you.
How Does it Work?
What’s the
what TempCon/TP
You can elect coverage for yourself, your spouse and/or your dependent children.
will
to elect coverage for a spouse/dependent if you elect coverage for yourself. LIMITED ENROLLMENT OPPORTUNITY –ONLY DURING YOUR INITIAL ENROLLMENT Only during your Initial Enrollment, you can select your coverage(s) up to the Guarantee Issue amounts and you will not have to answer medical questions! 15 Guiding You Through Your 2023 Benefits: Life and AD&D Insurance with *Rates will be based on the employee’s age and can be found on the 4myBenefits enrollment site This page only shows plan highlights. For full plan details, review the plan documents located in 4myBenefits.
You
only be able
Disability Coverage
Employer-paid Short-term Disability (STD) Coverage
What’s the Benefit?
All employees are provided with short-term disability coverage at no cost! Short-term disability coverage protects a portion of your income should you be unable to work for a short time due to illness or injury.
How Does it Work?
A weekly benefit, paid by a mailed check, is provided to help pay for your living or medical expenses once you have met the elimination period (time before the benefit will begin to pay).
Option to Enhance Your Short-term Disability
Voluntary Long-term Disability (LTD) Coverage*
What’s the Benefit?
Long-term disability coverage protects a portion of your income should you still be unable to work due after 90 days. All employees have the option to purchase long-term disability coverage, but will be responsible for the full cost of the coverage.
How Does it Work?
A monthly benefit, paid by a mailed check, is provided once you meet the elimination period. However, if you go out on disability due to a prior condition, coverage may be excluded for a period of time. LIMITED
This page only shows plan highlights. For full plan details, review the plan documents located in 4myBenefits.
Employer-paid Short-term Disability Elimination Period 7 days (Accident) 7 days (Illness) Weekly Benefit 50% of earnings up to a $750 weekly maximum Maximum Benefit Duration 12 weeks
YOUR
ENROLLMENT 16
You Through
Benefits:
Long-term Disability Elimination Period 90 days Monthly Benefit 50% of earnings
monthly
Maximum Benefit Duration
ENROLLMENT OPPORTUNITY – ONLY DURING
INITIAL
Guiding
Your 2023
Disability Coverage *Cost of coverage will be based on age and earnings and can be found on the 4myBenefits enrollment site with
up to a
max. of $5,000
Social Security Normal Retirement Age (SSNRA)
A “Buy Up STD” option is available. Those who purchase this will have a benefit of 50% of earnings up to a $1,000 weekly maximum.
During your initial enrollment, you can purchase the Buy Up STD and/or LTD coverages and your approval will be guaranteed! If you want to enroll later, you may have to answer medical questions and could be denied coverage.
Accident,
How Does it Work?
with
Your provider will file claims covered by your medical plan for
but with these types of plans you will submit the claim yourself! Once you have submitted a claim that is deemed covered by the plan, a check will be mailed to your home.
Accident Coverage
What’s the Benefit?
Accident coverage provides the ability for any covered individual to receive a payment if the service, treatment or procedure is due to injuries incurred in a covered accident.
What’s the Benefit?
Critical Illness coverage can help offset expenses incurred if you or a covered family member are diagnosed with a covered illness.
What’s the Benefit?
Hospital indemnity coverage can help offset expenses incurred if you or a covered family member are admitted and need to stay at the hospital.
• Hospital and ICU Admission Benefit:
• $2,000 per year (maximum of 1 admission per year per covered person)
• Hospital and ICU Confinement:
• $100 per day (up to 15 days maximum)
This page only shows plan highlights. For full plan details, review the plan documents located in 4myBenefits.
17
You Through Your 2023 Benefits: Additional
Guiding
Coverages
Policy Amount Options Guarantee Issue Amounts Employee $10,000 or $20,000 $20,000 Spouse 50% of employee amount $10,000 Child(ren) 25% of employee amount All Amounts
you,
Critical Illness Coverage* Hospital Indemnity Coverage Accident Per Pay Rates*
Only $2.79
+ Spouse
*Rates will be based on your age and can be found
4myBenefits enrollment site Hospital Indemnity Per Pay Rates*
Employee
Employee
$4.41 Employee + Child(ren) $4.62 Family $6.23
on the
Employee Only $3.33 Employee + Spouse $8.83 Employee + Child(ren) $6.23 Family $11.73
Critical Illness & Hospital Indemnity Coverage *Based on 52 pay periods *Based on 52 pay periods
Employee Assistance Program (EAP)
How Does it Work?
What’s the Benefit?
The EAP includes up to 3 sessions with a counselor! You and your family can use the EAP to deal with a number of life’s issues, such as:
• General Emotional Well-being
• Grief & Loss
• Stress & Balance
• Anxiety & Depression
• Family & Relationships
• Workplace Support
• And more
All Temp-Con/TP Mechanical employees and their family members have access to this FREE service. The program is accessible 24/7/365 and it is completely confidential. Access the EAP at: www.Member.MagellanHealthcare.com
Enrollment Management Services
What’s the Benefit?
Enrollment Management Services (EMS) is a healthcare consulting firm with the primary goal of helping families understand their healthcare options and supporting the choice they feel best meets their needs.
How Does it Work?
• Are you trying to decide which of the medical plans offered by Temp-Con/TP Mechanical is best for you?
• Are you struggling to compare the Temp-Con/TP Mechanical plans with a spouse’s plan or a private plan?
• Are you or someone in your home pregnant?
• Do you meet the expanded Medicaid for adults guideline?
• Are you or someone in your home over the age of 65 OR under 65 and collecting a social security/disability check?
If you answered yes to any of these questions, contact EMS! They will help you to explore all your options and find the best healthcare for you and your family.
kelly@enrollmentmanagementservices.com
Phone: 513-561-0000 Option 9
This page only shows plan highlights. For full plan details, review the plan documents located in 4myBenefits.
18
You Through Your 2023 Benefits: Employee Assistance Program (EAP)
Guiding
with
or Call
1-800-523-5668
Carrier Contact Information Medical & HRA Prescription Drug HSA & FSAs 1-800-826-9781 www.umr.com 1-866-818-6911 www.caremark.com 1-800-598-2929 www.customdesignbenefits.com 1-800-627-4200 www.guardiananytime.com 1-800-523-5668 www.magellanhealth.com/member 513-561-0000 Option 9 kelly@enrollmentmanagementservices.com Life and AD&D Insurance Short-term Disability (STD) Long-term Disability (LTD) 1-800-523-2233 www.thehartford.com/employeebenefits Dental & Vision, Accident, Critical Illness & Hospital Indemnity Employee Assistance Program (EAP) Enrollment Management Service (EMS) If you have specific questions about the plan offerings, you can contact our carrier partners directly. Plus, you can create a member account with most carriers and gain access to a number of great online tools. 19 Guiding You Through Your 2023 Benefits: Carrier Contact Information
Need Additional Assistance? ©HORAN
In the event that you have a question that has not been handled correctly or to your satisfaction by our insurance carriers, please contact our benefits consultant at HORAN. engagement@horanassoc.com HORAN’s Engagement Team can: • Answer complex benefit questions • Resolve claims issues • Discuss election changes during your Initial Enrollment and throughout the year • Connect you to the appropriate resources when a referral is necessary This packet is intended to provide a brief overview of your employee benefits. If there is a discrepancy between the enclosed documents and the certificate of coverage, the certificate of coverage for each plan will be the final determining document. For assistance with the enrollment process, please call 4myBenefits at 1-866-575-5089. Human Resources Team Jen Madden jen.madden@tpmechanical.com 513-851-8881 844.694.6726 20
2023. All rights reserved.