Benefits - 2013 “A Focus on Wellness”
OUR COMMITMENT TO YOU | is to provide you with a plan design that focuses on wellness with incentives for supporting you in pursuing a healthy lifestyle
The LEGACY Supply Chain Services Flexible Benefits Plan is designed to recognize the diverse needs of our workforce. Our plan continues to:
•provide competitive and comprehensive benefits options that allow you to design your own plan based on your individual needs;
•maintain a program that considers individual needs; •offer plans to provide long-term financial security for you and your family. We encourage you to review all your options before making your benefit elections. Only you can determine which benefits are the best fit for you and your family. We want you to understand all your options and make informed decisions. Eligibility You are eligible for the benefits described here if you are a regular full time employee working at LEGACY Supply Chain Services and have met your waiting period. ●Medical/Vision ●HRA / FSA / DCA ●Dental ●Basic Life & Accidental Death & Dismemberment ●Voluntary Life & Voluntary Dependent Life Insurance ●401(k) Retirement Plan ●Short & Long Term Disability ●Employee Assistance Plan ●Health Quotient (Health Risk Assessment)
Your legal spouse and legal dependent children may be eligible for some benefits. Please see your human resources representative for specifics. Medical Plan Changes for 2013 Some plan changes you will notice for 2013 are as follows: ●Deductibles ●HRA Increases ●Introduction of FSA and DCA Accounts—New for Jeffersonville only Please see benefit Plan Summary for specific plan details.
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YOUR BENEFITS | who pays what? Benefit Basics Once you elect your LEGACY Supply Chain Services benefit options, your elections remain in effect for the plan year. You may only change coverage due to a qualified "life event" and must do so within 31 days of the event. LEGACY Supply Chain Services encourages you to review all your benefits and make your selections wisely. In addition, you may be required to provide documents to support dependent eligibility such as marriage certificate, birth certificate, etc. Qualified Life Events ●Marriage, Divorce, Legal Separation and Annulment ●Birth of an Employee's child, Adoption or placement of a child by an Employee ●Death of a dependent ●Loss of other coverage due to change of employment status of employee, spouse or child ●Attainment or loss of full-time student status for dependent children ●Attainment of age to receive Medicare Your Benefits and Your Costs LEGACY Supply Chain Services provides a large selection of benefits that help protect your health, wealth and well being. The company provides some benefits at no cost to you, some you pay for, and other benefit costs are split between LEGACY Supply Chain Services and you. This mix-and-match benefits program helps you create the best benefits program that fits your needs and your lifestyle. BENEFIT
WHO PAYS?
DEDUCTION TYPE
Medical/Vision
LEGACY & You
Pre-Tax
Dental
LEGACY & You
Pre-Tax
LEGACY
N/A
You
After-Tax
Short-Term Disability (Short-Term Disability is only available in certain states. Please see your HR representative for additional information.)
LEGACY & You
After-Tax
Long-Term Disability
LEGACY &You
After-Tax
LEGACY Supply Chain Services 401(k) Plan
LEGACY & You
Tax deferred
LEGACY
N/A
You
Pre-Tax
Basic Life and Accident Insurance Voluntary Life & Dependent Life Insurance
HRA FSA and DCA
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BENEFIT SUMMARY | core benefit solutions that work for you LEGACY Supply Chain Services provides the following benefits to all eligible employees: Medical PPO/Vision (see benefit summary for more detail) Dental Premium and Standard Plan (see benefit summary for more detail) Basic Life Insurance and AD&D ●Company Paid - $20,000 Short-Term Disability Insurance ●Covers a percentage of your basic weekly earnings up to a maximum weekly benefit ●Benefit begins after elimination period for injury or illness ●Please note that California, Hawaii, New Jersey, New York, Puerto Rico and Rhode Island have state disability programs that supersede this program Long-Term Disability Insurance ●Covers a percentage of your basic monthly earnings up to a maximum weekly benefit ●Benefit begins after a 180 day elimination period Employee Assistance Program (EAP) ●24 hour resource for counseling and support services for you and your immediate family on a range of topics including emotional distress, substance abuse and work issues ●Child care, elder care, legal, financial and educational service referrals ●Website for additional information: www.cignabehavioral.com/cgi ●Customer Service 1-800-538-3543 401(k) Retirement Plan ●The LEGACY Supply Chain Services 401(k) Plan makes saving for retirement easy and painless. You decide: ●How much to save - up to 100% of your eligible compensation to a maximum contribution limit set forth by the IRS. You are automatically enrolled in this program at 3% unless you opt-out. ●Where to invest your savings - in any one or all of the Plan's professionally managed funds. ●Best of all, you do not pay any taxes on your savings. What's more, LEGACY Supply Chain Services will match 100% up to 5% of your contributions. You are fully vested when you work 1,000 hours in 2 calendar years. ●The plan includes an automatic increase provision (Step Ahead) that will increase your contribution by 1% annually up to a maximum of 6%.
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CUSTOMIZING & ENROLLING IN YOUR BENEFIT PLAN | cost effective peace of mind
Customizing Your Plan You have the opportunity to build a benefits plan that meets your needs and the needs of your family. LEGACY Supply Chain Services is committed to providing a range of benefits from which you can choose. You are responsible for a percentage of, or the total cost of these benefits. ●Medical/Vision/HRA Coverage ●401(k) Retirement Plan ●Dental Coverage ●Voluntary Employee & Voluntary Dependent Life Insurance ●FSA / DCA
LIFE INSURANCE BENEFITS | about your options
Your Life Insurance Benefits If you want additional protection for you and your family, you can buy: BENEFIT
AVAILABLE COVERAGE
Voluntary Life Insurance for you
Increments of $10,000 $500,000 maximum benefit for elected coverage amount $150,000 Guaranteed Issue when first eligible
Voluntary Dependent Life Insurance for your spouse
Increments of $10,000 $500,000 maximum benefit for elected coverage amount $50,000 Guaranteed Issue when first eligible Note—spouse coverage cannot be greater than Employee coverage
Voluntary Dependent Life Insurance for your child(ren)
Increments of $2,500 to a Maximum Benefit of $10,000 for dependent children age 6 months to 20 years (age 26 for full time students) Maximum Benefit of $1,000 for dependent children less than 6 months
Note: employee must be enrolled in voluntary life insurance before dependents are eligible to be enrolled
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It’s easy to register at BeHealthy.com® 1. Click the “Register Now button.” 2. Enter the last four digits of your Social Security Number. The website is secure and the information you enter will not be seen by anyone. 3. Enter your 5-digit group number. 4. Input your first and last name, along with your date of birth. 5. Create a unique username. 6. Create a password, 8 to 15 characters in length. Enter it again to confirm it. 7. Enter and confirm your email address. 8. Enter a reminder phrase. Note: Members may also call the customer service number on the back of their insurance card to have this password reset. 9. Review and accept the terms and conditions. 10. Click “Register for myBlueCross” at the bottom of the page. 11. If an error is made during the registration process, you will be taken back to the registration page and errors will be noted in red.
Now that you have registered, you can access HealthQuotient®. Log in to BeHealthy.com®. From the left navigation column, click “HealthQuotient (HQ)” under Get Started
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BeHealthy.com® is a wellness website provided by Blue Cross and Blue Shield of Alabama and powered by WebMD®. WebMD® is an independent company providing health assessment tools, such as HealthQuotient® to our customers.
Benefit Glossary The following definitions should help you understand your benefit plans. Remember, it is very important for you to seek out services from In-Network providers. Our Medical, Dental and Vision benefit providers have contracted rates that are much lower than Out-of-Network providers. Your out of pocket expenses will be significantly lower by using In-Network providers. Co-Insurance—The percentage of cost-sharing between what you and the insurance company must pay, after any applicable deductible has been met. Co-Pay—The set dollar amount that you must pay to a provider when services are rendered. Calendar Year Deductible (CYD) - The amount you pay before co-insurance is paid. You only need to meet your deductible once per calendar year. Network— The group of providers who are approved for services and are available for treatment under the insurance company’s contract. Outpatient—A patient who receives treatment at a hospital or outpatient facility without being admitted overnight. Out-of-Pocket-Maximum—The maximum dollar amount that you will pay each calendar year. Once the out-of-pocket maximum is reached, your co-insurance is 0% and the insurance company’s co-insurance becomes 100% for the remainder of the calendar year. Co-pays continue even when your out-of-pocket-maximum is met. Provider—Any facility, person, or entity recognized for payment by the insurance company. FSA—Flexible Spending Account DCA—Dependent Care Account Health Quotient (Health Risk Assessment) — Health assessment to learn more about your health and ways you can reduce any risks that may be identified. HRA—Health Reimbursement Account
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Need additional information? Have a question about one of your benefits? Keep this brochure handy as a quick reference for all your benefit needs. If you still have questions, please contact your Human Resources Department.
PLAN
ADMINISTRATOR
WEBSITE
PHONE NUMBER
Medical PPO/Vision
Blue Cross Blue Shield of Alabama
www.bcbsal.com
877-943-1899
Dental PPO
Blue Cross Blue Shield of Alabama
www.bcbsal.com
877-943-1899
Health Quotient (Health Risk Assessment)
Blue Cross Blue Shield of Alabama
www.behealthy.com
Life and AD&D Insurance,
CIGNA
www.cigna.com
800-362-4462
Short-Term Disability*
CIGNA
www.cigna.com
800-362-4462
Long-Term Disability
CIGNA
www.cigna.com
800-362-4462
Transamerica
www.TA-Retirement.com
800-401-8726
CIGNA
www.cignabehavioral.com/cgi
800-538-3543
401(k) Retirement Plan Employee Assistance Plan
*Short-Term Disability is only available in certain states. Please see your HR Representative for additional information.
About this guide This guide describes the benefit plans available to you as an employee of LEGACY Supply Chain Services . The details of these plans are contained in the official Plan documents, including some insurance contracts. This guide is meant only to cover the major points of each plan. It does not contain all of the details that are included in your Summary Plan Description (SPD) (as described by the Employee Retirement Income Security Act). If there is ever a question about one of these plans, or if there is a conflict between the information in this guide and the formal language of the Plan documents, the formal wording in the Plan documents will govern. Please note that the benefits described in this guide may be changed at any time and do not represent a contractual obligation on the part of LEGACY Supply Chain Services .
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