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Enrollment 2009

Letter from Human Resources Dear Valued Team Member: Rimkus Consulting Group, Inc. (Rimkus) takes great pride in our employees and the contributions and talents that each team member brings to our company. We strive to offer a wide range of competitive employee benefits that enable you to properly care for you and your family. Although we offer many benefits, our core benefits include health coverage, dental coverage, vision coverage, life insurance, and long-term disability insurance. Each of these benefits is described in more detail in the following pages of the 2009 Employee Benefits Enrollment Guide. With the current state of the economy, this past year has presented us with unique challenges. Industry-wide, healthcare costs have increased by 19% over last year. As a result, it was not financially feasible or favorable for our employees to continue our medical coverage with United Healthcare (UHC). To keep plan design changes and employee cost increases to a minimum, we elected to change our medical provider from UHC to CIGNA effective May 1, 2009. We feel confident that this is a positive change and will result in minimal changes in your coverage and, in most cases, enable you to continue using all your existing doctors and specialists. Although Rimkus will continue to pay 100% of employee premiums and 50% of dependent premiums for medical and dental coverage, you will see only a very small increase in your monthly payroll deduction for those with dependent coverage. After intense negotiations, we were able to acquire our new medical plan, with very few coverage changes, for less than a 4% increase in cost. Overall, the company’s cost for health, dental, life, and long-term disability insurance amounts to over $10,200 per employee per year. As part of these changes in benefits, we also changed providers for our Basic Life Insurance, Voluntary Life Insurance, Accidental Death & Dismemberment Insurance, and Long-term Disability Insurance. Although your benefit levels remain exactly the same as before and the cost is paid in full by the company (except for voluntary life), our new provider for these lines of coverage will be UNUM. Coverage begins May 1, 2009. The following pages of the 2009 Employee Benefits Enrollment Guide, for the plan year May 1, 2009 through April 30, 2010, contains important information about your benefits, including benefit levels, costs, and important telephone numbers and websites. Please review this benefits guide, as well as your Personalized Benefit Statement, carefully before making enrollment decisions. Now is the time, during Open Enrollment, to add or drop dependents and to make any desired changes to your benefits. If you have questions regarding this information or would like to discuss your current elections and possible changes, please do not hesitate to contact me. Sincerely,

Amy Shockey Benefits Specialist

If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a Federal Law gives you choices about your prescription drug coverage. Please see page 19 for more details.


BENEFITS GUIDE 2009-2010 Benefits Enrollment Guide for Employees of Rimkus Consulting Group, Inc. What’s New………………………………………………………………………………………..... 3 Membership Guidelines………………………………………………………………………...... 4 Details of your CIGNA Medical Coverage……………………..…………………………........ 5 CIGNA Services……………………………………………………………………………….......6-7 Summary of Medical Benefits………………………………………………………………....... 8 Prescription Drug Program - Generic & Preferred Drugs.………………………………..... 9 CIGNA Tel-Drug Home Delivery Pharmacy………………………………………………....... 10 Urgent Care Centers & Convenience Care Clinics vs. Emergency Rooms…………....... 11 Dental Benefits………………………………………………………………………………….... 12 Vision Benefits……………..……………..…………………………………………………….... 13 Basic Life / AD&D and Long-Term Disability Benefits................................................... 14 Supplemental Life Benefits..........................................................................................15 Employee Assistance Program & Travel Assist…………………………………………....... 16 Legal Update...........................................................................................................17-18 Medicare Notice…………………………………………………………............................19-20 Employee Contributions………………………………………………………………………... 21 Provider Reference Guide……………………………………………………………………..... 22 Notes………………………………………………………….............................................23-24


What’s New Welcome To Annual Enrollment 2009

carryover amount is incorrect, this could be due to a lag in the information from your provider to UHC. You will need to submit an Explanation of Benefits (EOB) from UHC to Amy Shockey in order to provide proof of the deductible and/or out-ofpocket amount you have met.

Annual enrollment will be held from April 20 through May 1, 2009. All enrollment forms are due to Amy Shockey on May 1st.

Annual Enrollment Checklist

If you are not making changes, your current benefit elections will roll over to the 2009-2010 plan year.

If you are making changes, return your Enrollment Form to Amy Shockey no later than May 1, 2009.

What’s New? Rimkus is pleased to announce several changes to your employee benefit offerings this year:

Employee, spouse and child(ren) social security numbers are included on my Enrollment Form.

1. Medical coverage will move to CIGNA effective May 1, 2009. For further details on how to call into CIGNA’s Enrollment Information Line, see page 5.

If I elected a supplemental life insurance amount OVER the guarantee issue, I have filled out an Evidence of Insurability form.

2. Life & Disability coverage will move to Unum effective May 1, 2009. Unum is offering an open enrollment period which allows all eligible employees to elect up to the guarantee issue amount with NO evidence of insurability. We encourage you to take advantage of this opportunity. 3. There are no changes to the dental and vision benefits.

Medical Plan Design Changes In an effort to keep employee contributions the same for 2009-2010, Rimkus has decided to implement the following changes on the medical plan effective May 1, 2009: 1. Office Visit co-pays will increase by $5.00 for both Primary Care Physicians (PCP) and Specialists. Your office visit co-pays will now be $25 per PCP visit and $35 per Specialist visit. 2. Prescription Drug co-pays will change as follows: Generic - $10.00 (no change) Preferred Brand - $35.00 ($10 increase) Non-Preferred Brand - $50.00 ($10 increase) 3. If you have satisfied any part of your current deductible or out-of-pocket amount with UHC this calendar year (January 1 - March 31), this amount will carryover to CIGNA. If you feel that the


Membership Guidelines Which Employees Are Eligible For Coverage?

Making Enrollment Changes During The Year

EMPLOYEES: You are eligible for benefits if you are a full-time employee. You become eligible for benefit coverage the first of the month following 60 days of full-time employment.

In most cases, your benefit elections remain in effect for the entire year (May 1 - April 30). During each annual enrollment period, you will have the opportunity to review your benefit elections and make changes for the coming year.

DEPENDENTS: Dependents eligible for benefits include your legal spouse and your unmarried dependent child(ren). Dependent child(ren) include: • Legally adopted children or children placed for adoption

Certain coverages allow limited changes to elections during the year. These benefits include the medical, dental and vision plans. Under these benefits, you may only make changes to your elections during the year if you have a change in family status. Family status changes include:

• Stepchildren who reside in your home

• Marriage, divorce or legal separation

• Natural children

• Children for whom benefits must be provided through a Qualified Medical Child Support Order

• Gain or loss of an eligible dependent for reasons such as birth, adoption, court order, disability, death, marriage, or reaching the dependent child age limit

• Any other child you support who lives with you and whose parent is your child and is covered as a dependent under this Plan

• Changes in your spouse’s employment affecting benefit eligibility

Children are eligible for medical, dental and vision coverage from birth up to age 25 as long as they are unmarried. If your children do not fully depend on you for support, they are not eligible for coverage. If a child becomes mentally or physically handicapped while covered under the benefits plans, the child’s coverage may be continued as long as the child remains handicapped and depends on you for support.

• Changes in your spouse’s benefit coverage with another employer that affects benefit eligibility The change to your benefit elections must be consistent with the change in family status. For example, if you gain a new dependent due to birth, you may only change your benefit elections to add that dependent. In this case, coverage for other dependents cannot be changed. You have 30 days from the date of a change in family status to complete an enrollment change form and return it to Amy Shockey. Otherwise, you must wait until the next annual enrollment period to make a change to your elections. Your elections will become effective the first of the following month, with the exception of a change due to birth or adoption.

If you and your spouse are both employees of the company, dependent children can only be covered under either your coverage or your spouse’s coverage, but not under both. In other words, a person can only be covered as a dependent under one plan.


Your CIGNA Medical Coverage About Your CIGNA Medical Coverage

use Out-of-Network Providers. Also, keep in mind that your health plan pays the Allowed Price for services and supplies. In-Network Providers agree to accept the Allowed Price as payment in full. When you use Out-of-Network Providers, you must pay the difference between the Allowed Price and the provider’s charge.

Welcome to coverage through CIGNA’s health plan for employees of Rimkus Consulting Group. You’ve chosen coverage with one of the most widely recognized U.S. carriers. For decades, the nationwide CIGNA family of independent plans has provided members with innovative health plans designed to meet their needs.

Benefits for most services require that you pay a deductible each calendar year for In-Network Providers’ services and Out-of-Network Providers’ services. Once you have met your deductible, you share the cost of your care through coinsurance. There is a one-way accumulation of Out-of-Network to In-Network for the Deductible and Out-of-Pocket Maximums.

You will be offered coverage through CIGNA’s Open Access Plus (OAP). No matter where you live in the United States, you may take advantage of the expansive provider networks and discounts arranged by the OAP plans around the country. In most cases, you should not have to file claim forms or pay anything except your co-payments, deductibles, etc., in advance. This guide explains your coverage with CIGNA and the OAP program. For more information, such as details about how a particular service or prescription drug is covered, please read your contract or use one of the sources in the list at the back of this guide.

Once again, your coinsurance percentage amount for Out-of-Network Providers is higher than the one for In-Network Providers. You only pay the deductible and coinsurance until you meet your out-of-pocket maximum for the year. You receive first-dollar coverage for In-Network office visits. You do not have to pay a deductible or coinsurance for these services. You do have to pay a co-payment for each visit.

How Does My Medical Plan Work? You pay less out-of-pocket if you use the physicians, hospitals, and other healthcare providers that participate in the OAP network with CIGNA. While you don’t need referrals to visit specialists, you receive the highest level of benefits when you use Preferred Providers. In some instances, such as hospital admissions and home health care services, CIGNA can require prior approval. In other words, CIGNA must approve the need for the care before you seek it, or they may choose not to pay for such care.

CIGNA Enrollment Information Line: 1.800.244.6224 Find out more about the benefits and advantages of CIGNA HealthCare. Call today and speak with a knowledgeable Enrollment Specialist for: • Information on specific benefit plans, help in finding participating providers & comparisons of all CIGNA HealthCare products and features offered to you.

To Find Preferred Providers (In-Network): • Visit the web site and look for “Find a Doctor.” • Call 800.244.6224 Monday through Saturday 8am - 6pm to find out if the provider you select is Preferred. The medical summary of benefits in this booklet shows a comparison between benefits when you use In-Network Providers and benefits when you



CIGNA 24-Hour Health Information Line: 1.800.564.9286

For quick access to a range of health and lifestyle information, log onto CIGNA’s website, When you visit CIGNA’s website, you can connect to information on the topics of your choice:

The CIGNA HealthCare 24-Hour Health Information Line is a helpful service available to CIGNA HealthCare members.

• View your Explanation of Benefits (EOB’s),

• Depend on it for helpful, everyday health information on all sorts of subjects, from sleeplessness to sunburn.

• Check claim status • Request ID cards. • Track your progress on key health indicators, such as blood pressure, blood sugar, cholesterol, fitness, height and weight. You can display results in charts, edit past data, and share information with your doctor.

• When you are concerned about a specific health problem, you can choose to speak with a registered nurse who will give you advice about self-care or direct you to the most appropriate facility for care. • Use it to access the health information library and listen to audio tapes on a wide variety of healthrelated topics.

• Identify your health risks and establish healthenhancing goals by completing the My Health Assessment Profile. You’ll get your report within minutes!

CIGNA Healthy Steps To Weight Loss: 1.866.417.7848

• Online Smoking Cessation Program

The CIGNA Healthy Steps to Weight Loss® program helps you manage your weight using a non-diet approach. It assists you in building confidence, becoming more active, eating healthier and changing habits.

• Healthy Pregnancy Program • Health & Wellness Education Information

Get Started on 1. Have your group and member identification numbers ready (these can be found on your CIGNA ID card).

You can select from two convenient options, a telephone program or an online program – or both. Call the 24/7 Support Line today or login to

2. Go to 3. Select “Register” (you will need your DOB, home zip code and CIGNA Member ID). 4. Create a User ID and password for immediate and secure access to your personal information. When you login to you can view claim information for yourself and your dependents if they are covered under the Rimkus plan.


CIGNA Services CIGNA Quit Today® Tobacco Cessation Program: 1.866.417.7848

Some chronic conditions managed by CIGNA Well Aware: • Asthma • Depression

The CIGNA Quit Today® program helps you develop a personal quit plan to become and remain tobacco free. You can choose from two convenient options, a telephone program or an online program – or use both.

• Diabetes • Weight Complications • Chronic Obstructive Pulmonary Disease (COPD) • Targeted Weight Loss

Call the 24/7 Support Line today or login to

• Heart Disease • Low Back Pain

CIGNA Strength & ResilienceSM Stress Management Program: 1.866.417.7848

CIGNA Healthy Rewards®:

The CIGNA Strength & ResilienceSM stress management program helps you understand the sources of your stress, learn coping techniques and manage stress both on and off the job. You can select from two convenient options, a telephone program or an online program – or use both.

CIGNA Healthy Rewards® includes special offers on programs and services designed to help you enhance your health and wellness. Save money whenever you use Healthy Rewards participating providers — you can find them on

Take control of your stress – enroll in the Strength & Resilience program today! Call the 24/7 Support Line today or login to

Programs include: • Weight Watchers®

CIGNA Well Aware for Better Health® Chronic Condition Support: 1.866.797.5833

• Jenny Craig® • Fitness club memberships • Chiropractic care • Acupuncture

Well Aware is a confidential, free resource to help you manage your health. Employees on the medical plan have telephone access to nurses who specialize in your condition, 24 hours a day, 7 days a week. You will be given educational information selected just for you and a workbook to help you track your progress. Reminders of scheduled appointments and preventive screenings will be sent to you as well.

• Massage therapy • Eye exams, frames and lenses • Laser vision correction • And Much More!


Medical Options Benefits

In-Network Care

Out-of-Network Care

$250 $500

$500 $1,000

90% after deductible until out-of-pocket maximum is met; then 100%

70% after deductible until out-of-pocket maximum is met; then 100%

$2,000 Individual $4,000 Family

$4,000 Individual $8,000 Family



Physician Office Visits

$25 copayment

70% after deductible

Specialist Office Visit

$35 copayment

70% after deductible

Routine physical exams per CIGNA Preventive Schedule

$25 copayment

70% after deductible

Routine gynecological exams, including a PAP Test

$35 copayment

70% after deductible

Mammograms, as required

No copayment

70% after deductible

Pediatric Well Child to age 2 Pediatric immunizations

$25 copayment 100%

70% after deductible 70% per injection

Emergency Room Services (facility charges only)

$100 copayment

$100 copayment Notification req’d if results in Inpatient stay

Urgent Care Center

$50 copayment

$50 copayment

90% after deductible

70% after deductible


90% after deductible

70% after deductible


90% after deductible

70% after deductible


90% after deductible

70% after deductible

Diagnostic Services (Lab, X-Ray and other tests)

90% after deductible

70% after deductible

Durable Medical Equipment Limit: $2,500/calendar year Precertification may be required.

90% after deductible

70% after deductible

Skilled Nursing Facility Care

90% after deductible

70% after deductible

Home Health Care

90% after deductible

Deductible Individual Family Payment Level/Coinsurance Out-of-Pocket Maximums (deductible not included) Lifetime Maximum


Ambulance Hospital Expenses

Limit: 60 days/calendar year 70% after deductible

Limit: 60 visits/calendar year Mental Health Inpatient

90% after deductible


90% after deductible

Substance Abuse Inpatient

90% after deductible


90% after deductible

70% after deductible

Limit: 45 Combined days/calendar year 70% after deductible

Limit: 60 Combined days/calendar year 70% after deductible

Limit: 3 Series of Treatment per Lifetime 70% after deductible

Limit: 3 Series of Treatment per Lifetime Prior Notification Requirements

Performed by Member


Generic & Preferred Drugs Rimkus Prescription Drug Program The Rimkus prescription drug program has a tiered structure. That means that you pay the lowest co-payments when you use Generic drugs. Below is the co-payment structure at retail pharmacies for a 30-day supply:

Generic: $10 Preferred Brand: $35 Non-Preferred Brand: $50

When you go to in-network pharmacies, you will be responsible for paying the co-pay – nothing more. The pharmacy will bill CIGNA for the left-over amount. As you can see, you will pay the lowest co-pay if you use a generic drug. Make sure to ask your pharmacist if a generic alternative is available for the brand-name drug you are prescribed. You must use pharmacies that are in CIGNA’s network to receive the co-pay levels above. Over 90% of pharmacies nationwide currently belong to this network. Should you use an out-of-network pharmacy, you will be responsible for 50% of the cost of the drug after satisfying your deductible.

Wouldn’t you rather pay $4 for your prescriptions? Did you know that Wal–Mart offers over 300 different drugs at only $4 per prescription fill or refill (up to a 30-day supply or 60 pill maximum). The program is available at all Wal–Mart, Sam’s Club and Neighborhood Market pharmacies. A similar program is also offered through Target stores. Please note that certain drugs are priced higher in CA, CO, HI, MN, MT, PA, TN, WI, and WY due to state laws. Program not available in North Dakota. You can get these prescription drug savings whether or not you have any prescription drug coverage through your company, under Medicare or any other plan. The list of covered drugs is subject to change. Not all prescription drugs are covered by this program. Only prescriptions initially filled in person at a participating pharmacy are eligible for the $4 rate; refills must also be picked up in-store, but may be ordered in person, online or by phone. This program is not available for prescriptions filled by mail order. See your Wal-Mart pharmacist for more information.

Speak with your doctor if you want to try a generic alternative to a drug you are currently taking.

Formulary Brand-Name Drugs What is a brand-name drug? A prescription drug that is marketed under a proprietary, trademark-protected name.

What is a Preferred Drug? A Preferred Drug is a “preferred” brand-name drug. The list of these preferred drugs is created by CIGNA. Many factors are taken into account when deriving the list, such as the utilization of the drugs, the cost, and the therapeutic class, to name a few. What is important to know is that Preferred Prescription Drugs are less expensive than Non-Preferred Prescription Drugs. Non-Preferred Brand Name Drugs have the highest co-pay level attached to them.

Where can I find the Formulary Drug List? The Formulary Drug List is updated quarterly to ensure that newer, more effective drugs are on it. Drugs automatically come off the list when generic alternatives become available. To get the most updated formulary list, go to Once there, you can download the formulary listing or search for a medication by name. You may want to print off the formulary list and take it with you to your next doctor’s appointment. If your doctor has the list, he or she can be sure to prescribe you a generic or preferred drug. Make sure you take the most updated list as it is updated quarterly.


CIGNA Home Delivery Pharmacy Save Money By Using Cigna Tel-Drug Home Delivery Pharmacy Who can order from CIGNA Tel-Drug? CIGNA Tel-Drug is designed especially for individuals who take prescription medications on an ongoing basis. These include medications taken for allergies, birth control, diabetes, asthma, heart conditions and other medicinal uses. There are three ways to order your prescription medications. Choose the method that works best for you:

Mail: 1. Request a mail-order prescription from your prescriber for a 90-day supply with refills. 2. Complete and mail your order form, original prescription(s) and payment to CIGNA Tel-Drug P.O. Box 1019 Horsham, PA 19044-9805

Phone: Call 1.800.285.4812, Option 1, ext. 508 and be sure to have your medication information, the prescriber’s name and telephone number, and credit card information available.

Web: Log in to and follow the online instructions.

You can conveniently track the progress of your order 24 hours a day. • Call 1.800.Tel.Drug (835.3784), Option 2. • Log in to

CIGNA Tel-Drug refills may be ordered in the following ways (with Rx number and CIGNA ID): • You may order refills 24 hours a day by calling 1.800.Tel.Drug (835.3784), Option1. • You may use QuickClickSM to order refills online. • To refill your prescriptions by mail, complete the order form, enclose payment and return in the envelope provided with your last order.

CIGNA Tel-Drug is dedicated to quality service. • Standard delivery to your home at no additional cost. If your medication requires refrigeration, it is shipped to you overnight in special packaging at no additional cost. • Visit to view and compare the cost of your prescription drugs, check for generic drug equivalents and find out if a specific drug is covered by your plan. • Refill reminders if you forget to reorder. • Licensed pharmacists are on-call 24 hours a day to answer prescription medication questions. • All new prescription medications are packaged with a patient advisory leaflet that describes your medication, tells you how to take it and lists possible side effects.

Retail - 90-day supply

Mail Order - 90-day supply




Preferred Brand



Non-Preferred Brand




Urgent Care & Convenience Clinics vs. Emergency Rooms

Urgent Care Centers & Convenience Care Clinics vs. The Emergency Room The cost of treating MOST common medical conditions can be up to 5 times greater in the emergency room than in a physician’s office, Urgent Care Center or Convenience Care Clinic. Up to 1/3 of all ER visits are for the treatment of non-emergent conditions. If you are in a situation requiring prompt medical attention, that is not life-threatening, you may receive faster care at an Urgent Care Center or Convenience Care Clinic or by scheduling a same-day appointment with your primary care physician, if available.

Urgent Care Symptoms may include:

Convenience Care symptoms may include:

• Minor cuts or wounds

• Allergies

• Sprains, strains or deep bruises

• Bladder infections (females age 12-65)

• Ear Infections

• Bronchitis

• Urinary tract infections

• Ear Infections

• Upper respiratory infections

• Upper respiratory infections

• Coughs & congestion

• Pink eye & styes

• Diarrhea

• Sinus infections

• Sore throat

• Sore throat

• Insect bites

• Insect bites

• Minor burns, rashes or skin infections

CIGNA offers high-quality, affordable services for a wide variety of routine medical conditions through Convenience Care Clinics located throughout the country. The medical care delivered by the health teams at the Convenience Care Clinics is covered by CIGNA HealthCare just like any other service you receive from a health care professional.

Convenience Care Clinics available include: • MinuteClinic (inside CVS)

• Take Care Health (inside Walgreens)

• RediClinic (inside HEB)

• The Little Clinic

• CMG CareToday (Arizona)

• ValuClinic (Florida)

• Sutter Express Care (Sacramento)

Costs and co-pays are much less in a non-emergency setting: Urgent Care Copay Emergency Room Copay Primary Care Physician & Convenience Clinic Copay

CIGNA In-Network $50 $100 $25

This bulletin is provided for informational purposes only and is not intended to replace your physician’s advice. Convenience Care Clinics may not be available inside all retail store partners. Check your area for locations.


Dental Benefits Dental PPO Plan – Metlife Dental PPO coverage will stay with MetLife. With the PPO dental plan, you may see any dentist that you choose. However, you have access to discounted charges by utilizing network providers. To locate participating dentists, go to or call 1.800.ASK.4.MET (800.275.4638).

Plan Features



$50 $150




Oral Exams & Evaluations – 1 per 6 months Cleaning – 1 per 6 months Fluoride Treatment – 1 per 12 months for dependents under age 19 Bitewing Series – 1 per 6 months for dependents under age 19 & 1 per 12 months for all other Covered Persons Full Mouth X-ray – 1 every 5 years



Oral Surgery First installation of space maintainers Fillings Extractions Relining & Rebasing of existing removable dentures Endodontic Treatment (Including root canal treatment) Periodontal Services & Surgery



Inlays and Crowns Crown Repair Implants Bridgework Installation – fixed and removable Replacement of existing removable denture or fixed bridgework

TYPE D - ORTHODONTIA (Adult & Child)



Lifetime Maximum



Vision Benefits EMPLOYEE PAID VISION – UnitedHealthcare Vision, formerly Spectera Your vision coverage through UnitedHealthcare Vision, formerly Spectera will not change for the 2009-2010 plan year. Locate a provider and check the status of your claims at or call 1.800.638.3120. Vision Benefits

In-Network Provider

Out-of-Network Provider

Vision Exam (1 every 12 months)

$10 copay

Up to $40

Vision Materials

$25 copay

Reimbursement Amounts (below)

Covered in full* Covered in full* Covered in full* Covered in full* $50 wholesale or $130 retail allowance

Up to $40 Up to $60 Up to $80 Up to $80 Up to $45

Vision Materials Lenses (1 every 12 months) Single Vision Bifocal Trifocal Lenticular Frames (1 every 24 months) *Subject to $25 copay Contact Lenses (in lieu of spectacle lenses and a frame)

Visually Necessary Professional Fees & Materials

Covered in full after $25 copay

Up to $210

Elective Professional Fees & Materials

Up to $105 after $25 copay; Some brands are covered in full

Up to $105


Basic Life / AD&D and Long-Term Disability Benefits

Introduction To UNUM

Long-Term Disability Paid for by Rimkus Consulting Group

We are pleased to announce that Unum will administer the life and disability products beginning in 2009.

Eligible employees will be provided long-term disability (LTD) insurance coverage – A BENEFIT PAID FOR BY RIMKUS CONSULTING GROUP. You are eligible for LTD benefits the first of the month following 60 days of active employment. Rimkus will automatically enroll you into the LTD plan. Should you ever become disabled and unable to work, the LTD monthly benefit pays you a percentage of your basic monthly earnings.* LTD payments may be reduced by deductible sources of income and other disability earnings. Benefits begin after a 90-day elimination period and are subject to a pre-existing conditions exclusion. Please see the plan document for more details.

With Unum Group Term Life Insurance, your family will be protected with benefits and a variety of support services designed to help them cope with both emotional and financial issues. It can help you preserve your dream of a secure lifestyle for your family, even if you cannot be there.

Life / AD&D Insurance Paid for by Rimkus Consulting Group Eligible employees automatically receive Basic life Insurance equal to TWO times your base salary rounded to the next higher $1,000. The maximum Basic Life Insurance benefit is capped at $250,000. Rimkus also provides Accidental Death & Dismemberment (AD&D) coverage for its employees. Like the life insurance, each employee is provided with a TWO times their base salary rounded to the next higher $1,000, to a maximum of $250,000.

*Monthly maximum dollar amount, benefit percentage and duration will vary. Please see Amy Shockey for further information.

Basic Life / AD&D Benefit Amount

2x annual earnings

Maximum Benefit Age Reduction Schedule

$250,000 Benefits Reduce by: 35% of the original amount at Age 70 50% of the original amount at Age 75

Beneficiary Designation It is very important that you keep your beneficiary designation current. Your beneficiary is the person or persons you name to receive benefits should you die. When you enroll in life insurance you must designate a beneficiary.


Supplemental Life Supplemental Life Insurance Paid For By You In addition to the Basic Life insurance provided by Rimkus, you also have the option to purchase additional life insurance coverage for yourself and your eligible dependents. Unum is offering an open enrollment period this year. This means that if you have previously waived supplemental life, you may elect it this year with no evidence of insurability!* Although rates remain unchanged for 2009, you may notice a slight cost increase. If your cost does increase in 2009, it may be a result of moving into a new age bracket or a salary increase. Rates by age band are shown in the chart below. If you currently have supplemental life insurance coverage and wish to change/drop enrollment for 2009, please indicate your election on your enrollment form. Premiums will be deducted from your paycheck on an after-tax basis beginning in May of 2009.

Age Reduction(s) When you attain age 70, the amount of supplemental life insurance will be reduced by 35%. At age 75, a 50% benefit reduction of the original amount will occur. Voluntary Life EMPLOYEE COVERAGE Benefit Amount Maximum Benefit Guarantee Issue

Increments of $10,000 5x annual salary up to $500,000 $200,000

SPOUSE COVERAGE** Benefit Amount Maximum Benefit Guarantee Issue

Increments of $5,000 100% of employee’s elected amount, not to exceed $500,000 $50,000

CHILD COVERAGE Live Birth to 6 Months Children Age 6 Months to 26 Maximum Benefit

$1,000 $10,000 $10,000

* Employees who elect an amount above the guarantee issue will be subject to evidence of insurability for the overage amount.

To calculate your monthly cost, please use the following formula: __________________ / $1,000 = __________________ x __________________ = $__________________ Life Benefit Amount


My Monthly Cost













Employee/ Spouse Rate per $1,000













Employee Assistance Program & Travel Assist

Employee Assistance Program (Eap) & Travel Assist Offered By Unum Your work-life balance employee assistance program — provided at no additional charge through your company’s UNUM benefit plan — can help you find solutions for the everyday challenges of work and home as well as for more serious issues involving emotional and physical well-being. • Childcare and/or eldercare referrals


• Personal relationship information

Toll-free, 24 hour access: 1-800-854-1446: English 1-877-858-2147: Spanish 1-800-999-3004: TTY/TDD

• Health information and online tools • Legal consultations with licensed attorneys • Financial planning assistance • Stress management

Online Access:; user ID and password: lifebalance

• Career development

Help is easy to access:

• Telephone consultations: Speak confidentially with a master’s level consultant to clarify your need, evaluate options and create an action plan. • Face-to-face meeting: Confer with a local consultant up to three times per issue for short-term problem resolution. • Educational materials: Receive information through our online library of downloadable materials and interactive tools.

Learn more at

UNUM’s Travel Assist Program: 1.800.872.1414 No one anticipates falling ill or sustaining an injury while traveling cross-country or across the globe, but unexpected emergencies do occur. Whether your travel is for business or personal reasons, Unum’s worldwide emergency travel assistance program goes with you when you travel to a foreign country or just 100 or more miles from home. Help is just a phone call away (day or night) if you, your spouse or dependent children need immediate assistance anywhere in the world.

Services are available for simple to extreme travel emergencies: • Hospital Admission • Emergency Medical Evacuation • Critical Care Monitoring • Medical Repatriation • Transportation for a friend of family member to join the hospitalized patient • Care of minor children • Legal and Interpreter Referrals

At any hour of the day, one phone call will connect you to: • Multi-lingual, medically certified crisis management professionals • A state-of-the-art global response operations center • Qualified medical providers around the world

Learn more at


Legal Info What Is a “Pre-Existing Condition”?

HIPAA Special Enrollment Rights If you are declining or have declined enrollment for yourself or your dependents (including your spouse) because of other health insurance coverage, you may in the future be able to enroll yourself or your dependents in this plan, provided that you request enrollment within 30 days after your other coverage ends.

Pre-existing conditions apply on your Long-Term Disability plan. Please refer to Unum’s summary plan document for further details and explanation.

The Women’s Health And Cancer Rights Act

You may also be able to enroll yourself or your dependents in the future if you or your dependents lose health coverage under Medicaid or your state’s Children’s Health Insurance Program, or become eligible for state premium assistance for purchasing coverage under a group health plan, provided that you request enrollment within 60 days after that coverage ends or after you become eligible for premium assistance.

The Women’s Health and Cancer Rights Act requires group health plans that provide coverage for mastectomy to provide coverage for certain reconstructive services. This law also requires that written notice of the availability of the coverage be delivered to all plan participants upon enrollment and annually thereafter. This language serves to fulfill that requirement for this year. These services include:

In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to enroll yourself and your dependents, provided that you request enrollment within 30 days after the marriage, birth, adoption, or placement for adoption.

• Reconstruction of the breast upon which the mastectomy has been performed; • Surgery/reconstruction of the other breast to produce a symmetrical appearance; • Prostheses; and • Treatment for physical complications during all stages of mastectomy, including lymphedemas.

In addition, the plan may not: • Interfere with a participant’s rights under the plan to avoid these requirements; or • Offer inducements to the healthcare provider, or assess penalties against the provider, in an attempt to interfere with the requirements of the law. However, the plan may apply deductibles, coinsurance, and copays consistent with other coverage provided by the Plan.


Legal Info HIPAA Privacy Notice

Continuation Required By Federal Law For You And Your Dependents

See Amy Shockey for further details or questions. Rimkus Consulting Group follows all legal requirements in regard to protecting your Protected Health Information (PHI).

Federal Law enables You or Your Dependent to continue health insurance if coverage would cease due to a reduction of your work hours or your termination of employment (other than for gross misconduct). Federal law also enables Your Dependent(s) to continue health insurance if their coverage ceases due to your death, divorce, legal separation, or with respect to a Dependent Child(ren), failure to continue to qualify as a Dependent. Continuation must be elected in accordance with the rules of Your Employer’s group health plan(s) and is subject to Federal Law, regulations and interpretations.

Newborn’s And Mother’s Health Protection Act Federal Law (Newborns’ and Mothers’ Health Protection Act of 1996) prohibits the plan from limiting a mother’s or newborn’s length of hospital stay to less than 48 hours for a normal delivery or 96 hours for a cesarean delivery or from requiring the provider to obtain pre-authorization for a stay of 48 hours or 96 hours, as appropriate. However, Federal Law generally does not prohibit the attending provider, after consultation with the mother, from discharging the mother or her newborn earlier than 48 hours for normal delivery or 96 hours for cesarean delivery.

Mental Health Parity Act According to the Mental Health Parity Act of 1996, the lifetime maximum and annual maximum dollar limits for mental health benefits under the Rimkus Consulting Group, Inc. Medical Plan are equal to the lifetime maximum and annual maximum dollar limits for medical and surgical benefits under this plan. However, mental health benefits may be limited to a maximum number of treatment days per year or series per lifetime.


Medicare Part D Notice Important Notice From Rimkus Consulting Group, Inc. About Your Prescription Drug Coverage And Medicare

When Can You Join A Medicare Drug Plan? You can join a Medicare drug plan when you first become eligible for Medicare and each year from November 15th through December 31st. However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.

Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Rimkus Consulting Group, Inc. and about your options under Medicare’s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice.

What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan? If you decide to join a Medicare drug plan, your current Rimkus Consulting Group coverage will not be affected. Your current coverage pays for other health expenses in addition to prescription drugs. If you enroll in a Medicare prescription drug plan, you and your eligible dependents will still be eligible to receive all of your current health and prescription drug benefits. If you drop your current coverage and enroll in Medicare prescription drug coverage, you may enroll back into Rimkus Consulting Group’s benefit plan during the annual enrollment period under Rimkus Consulting Group’s Health Benefits Plan.

There are two important things you need to know about your current coverage and Medicare’s prescription drug coverage: 1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium. 2. Rimkus Consulting Group, Inc. has determined that the prescription drug coverage offered by the Rimkus Consulting Group Health Plan is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.


Medicare Part D Notice When Will You Pay a Higher Premium (Penalty) To Join a Medicare Drug Plan? You should also know that if you drop or lose your current coverage with Rimkus Consulting Group, Inc. and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following November to join.

For More Information About This Notice Or Your Current Prescription Drug Coverage… Contact the person listed below for further information. NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through Rimkus Consulting Group, Inc. changes. You also may request a copy of this notice at any time.

For More Information About Your Options Under Medicare Prescription Drug Coverage… More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: • Visit • Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the “Medicare & You” handbook for their telephone number) for personalized help • Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at, or call them at 1-800-772-1213 (TTY 1-800-325-0778). Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you are required to pay a higher premium (a penalty). Date: Name of Entity/Sender: Contact--Position/Office: Address: Phone Number:

April 15, 2009 Rimkus Consulting Group, Inc. / Amy Shockey Benefits Specialist 8 Greenway Plana Suite 500 Houston, Texas 77046 713.621.3550


Employee Contributions Dear Team Member: The chart below specifies the monthly employee contribution for medical, dental, and vision coverage. Employee-only coverage for medical and dental insurance is paid by the company. Employees who elect dependent medical or dental coverage share 50% of the cost with the company. Vision coverage is voluntary, and premiums are paid in full by the employee. These rates are subject to change when our policy renews on May 1, 2010. MONTHLY EMPLOYEE CONTRIBUTION

Medical Premium (shared dependent cost)

Dental Premium (shared dependent cost)

Vision Premium (100% employee-paid)




Employee & Spouse




Employee & Child(ren)




Employee & Family




Employee Only

Points to remember: • Coverage begins the first of the month following 60 days of employment. • Employees in all Rimkus locations may enroll in a flexible PPO plan for medical coverage. The plan does not require you to designate a Primary Care Physician or to get any referrals. You can choose from any doctor or specialist in the network without a gatekeeper! Or, you can choose to go out of the network at higher out-of-pocket costs. • If your spouse has group medical coverage available through his or her employer, we will require them to enroll in that employer’s plan. Coverage under our plan for your spouse, if elected, will then become secondary. As secondary, dependents with coverage under two plans will not receive 100 % reimbursement for medical expenses. The objective is to pay in total only what the most generous of the plans would pay. • Rimkus employees may enroll their unmarried dependent children under the age of 25 in our medical, dental and vision plans regardless of whether or not they are full-time students or claimed as dependents on your tax return. Coverage on a dependent child will terminate on your child’s 25th birthday, at which time he or she will be eligible for up to 36 months of COBRA continuation coverage. • Medical, Dental and Vision contributions will be handled on a pre-tax basis, reducing the amount you spend on group insurance premiums by as much as 30%.


Provider Reference Guide



Policy #

Member Services #

Website Address










UnitedHealthcare Vision (formerly Spectera)



Long Term Disability




Basic Life/AD&D, Voluntary Life/AD&D




Employee Assistance Program


135150 / 135151


Travel Assist


135150 / 135151


user ID and password: lifebalance Reference #: 01-AA-UN-762490

This 2009 Employee Benefits Guide highlights recent plan design changes and is intended to fully comply with the requirements under the Employee Retirement Income Security Act (â&#x20AC;&#x153;ERISAâ&#x20AC;?) as a Summary of Material Modifications and should be kept with your most recent Summary Plan Description. The information contained in this guide should in no way be construed as a promise or guarantee of employment. The company reserves the right to modify, amend, suspend or terminate any plan at any time for any reason. If there is a conflict between the information in this brochure and the actual plan documents or policies, the document or policies will always prevail. Complete details about the benefits can be obtained by reviewing current plan descriptions, contracts, certificates, policies and plan documents available from your Human Resources Office. All information in this guide is intended for your general use only and is not a substitute for medical advice or treatment for specific medical conditions. You should seek prompt medical care for any specific health issues and consult your physician before taking any action on your health conditions.








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