2 TABLE OF CONTENTS HEALTHCARE BENEFITS Comprehensive Medical Plan 1 Eligibility & Enrollment 2 Third Party Administrator (TPA) 3 Provider Search 4 Healthcare Bluebook 6 Teladoc 7 Pharmacy 8 Dental Benefits 9 Vision Benefits 10 COMPANY PAID BENEFITS Life Insurance Benefits 11 Short-term Disability 12 Long-term Disability 13 NJ Commuter Tax Savings Program 13 Company Paid Leave 14 RETIREMENT BENEFITS 401(k) & Profit Sharing Plan 15-16 WELLNESS BENEFITS Wellness 17 Active & Fit Direct 18 Employee Assistance Program (EAP) 19 Benefits Contact Information 20 This Benefits Guide contains a summary of the benefits available to all full-time employees and their eligible dependents. Complete plan information can be found in each plan’s Summary Plan Description. If there is any conflict between the summary of benefits included in this Guide and the Plan Document, the Plan Document will govern. Maher Terminals reserves the right to interpret and resolve any differences in plan language and the terms of the benefits program can change at any time.
HEALTHCARE BENEFITS
Network: Cigna
Third Party Administrator (TPA): Luminaire
Pharmacy Benefits Manager (PBM): RxBenefits
Maher PPO Plan
*This is a brief summary of the plan for comparison and does not include all provisions and exclusions under the plan For a complete description of plan benefits, please review the Summary of Benefits and Coverages (SBC) and/or Summary Plan Description (SPD). Maher Terminals believes this Plan is a “grandfathered health plan” under the Patient Protection and Affordable Care Act
1 COMPREHENSIVE
MEDICAL PLAN*
In-Network Coverage Deductible (Individual / Family) $150 / $250 Out-of-Pocket Maximum $2,000 per individual Coinsurance 80% Coverage / 20% Coinsurance Primary Care Physician Office Visit 80% Coverage Specialist Office Visit 80% Coverage Preventive Care 100%/80% Coverage Emergency Room 80% Coverage Urgent Care 80% Coverage Outpatient Surgery 100% Coverage Inpatient Hospital 100% Coverage Prescription Drug Deductible N/A Prescription Drug Retail (Generic/Brand/Specialty) $0 copay / $20 copay / $20 copay Prescription Drug Mail Order (Up to 90-Day Supply) $0 copay/ $35 copay / $35 copay Out-of-Network Coverage Deductible (Individual / Family) $200 / $300 Out-of-Pocket Maximum $2,500 per Individual Coinsurance 80% Coverage / 20% Coinsurance Reimbursement / Usual, Customary, Reasonable (UCR) 140% of Medicare
ELIGIBILITY & ENROLLMENT
BENEFIT ELIGIBILITY
All full-time employees working 30 hours or more per week are eligible for benefits effective the first of the month following your date of hire.
ELIGIBLE DEPENDENTS
Your eligible dependents include:
• Your legal spouse*
• Dependent children up to age 26 regardless of student or employment status (must be able to validate)
• Dependent children over age 26 that are incapable of self- support due to total physical or mental disability (under most benefits outlined).
• If you choose to enroll your spouse/dependent child(ren), you will need to provide:
• Name
• Social Security Number
• Date of Birth
• Address (if different)
• Required Documents
*Legal spouse is defined as the spouse of the employee under a legally valid existing marriage, as defined by the state in which the employee was legally married, unless court ordered separation exists.
QUALIFYING LIFE EVENT
Unless you experience a life-changing qualifying event, you cannot make changes to your benefits until the next Open Enrollment period (November 1 –30th). Qualifying events include:
• Marriage, divorce, or legal separation
• Birth or adoption of a child
• Change in child’s dependent status
• Death of a spouse, child, or other qualified dependent
• Loss/Addition of other coverage
• Eligibility change due to relocation
• Qualified Medical Child Support Order
If you experience a qualifying life event during the year, notify Human Resources within 30 DAYS of the event to ensure the desired benefit coverage going forward.
PLEASE NOTE: Not every change in status permits a change in benefits plan elections. The election change must be consistent with the change in status that has occurred.
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THIRD PARTY ADMINISTRATOR (TPA)
Luminare Health
Luminare Health serves as our TPA for your medical claims and benefits. Access Luminare Health’s portal or mobile app for:
• General medical plan information including benefits, claims, and provider searches
• Help with challenging health issues including tests, treatments, new diagnosis, and care coordination
• Assistance with a catastrophic illness or injury
Luminare Member Services
Contact for all medical plan questions/concerns
Member ID
Use this number when contacting Luminare Health
RxBenefits/CVS
Caremark
Member Services
Pharmacy Plan
Info
Needed by pharmacist to process or file an Rx claim
Pharmacy
Cost/Copays
3 *Sample ID card shown – Please check your ID card for specifics of your elected coverage.
(Pharmacy)
Cigna Medical Network Contact Luminare for medical benefit questions/concerns
Medical Benefit Overview For a complete listing of benefits, check this Guide and Plan Documents on the Luminare Health website. CHECK IT OUT! Visit myLuminareHealth.com or call 800-990-9058 MyNurse 24/7 Support Line (866-366-6877) All Maher Terminals employees enrolled in the medical plan have access to MyNurse 24/7 Support Line, staffed with registered nurses 24/7/365. This support line is a member's first resource for immediate clinical guidance on everyday health issues. Nurses reference recognized clinical guidelines and national standards of care to help members improve their health. They provide vital health information and assist members in their health-care decision making and may even identify emerging conditions before they become acute medical events.
note: MyNurse 24/7 Support Line does not prescribe medication and should not be used in a medical emergency.
Please
PROVIDER SEARCH
Medical Provider Search
v
www.Cigna.com
Network: Select “PPO: Choice Fund PPO” Option
1. Go to Cigna.com and click “Find a Doctor, Dentist or Facility”
2. On the “How are you Covered” page, Select “Employer or School”.
3. Enter the geographic location you want to search and select the search type.
4. Members will then be prompted to either Login/Register for myCigna.com, or “Continue as guest.”
5. Fill in the “I Live in” field and click “Continue.”
6. Under “Please Select a Plan,” Select PPO. (Note: the network name may appear differently in different geographical areas.)
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PROVIDER SEARCH: BEHAVIORAL CARE
1. Follow Steps 1 – 3 listed on the previous Medical Provider Search. Then Go To Step 3a below:
3a. Click on Doctor by Type to bring up a list of provider types, for example Behavioral Health Counselor.
• When using the search process for the first time, you will see a pop-up window. To continue searching on Cigna.com, select “Continue as Guest”. (Selecting Login/Register will redirect you to myCigna.com)
• Selecting “Behavioral Health Counselor” brings up a page with a list of common issues that can be selected or skipped.
• Selecting “Addiction” or “Skip” brings up the “What type of care are you looking for?” page where you select between “Licensed Therapists”, Psychiatrists & Nurse Practitioners”, and “Behavioral Facilities & Programs”.
• Each will have a View Results button which includes the number of providers found in the City, State entered on landing page. The City, State can be edited at any time by selecting it.
• Selecting any of the “View Results” buttons will bring up the list of providers on the left and a map with their locations indicated by drop pins on the right.
3b. Click on Doctor by Name to bring up a box to type in the provider’s name. If you enter a full or partial name, such as a last name, a list of possible providers comes up from which your provider can be selected.
3c. Click on Locations to bring up a search box and list of potential location types.
• Select “Behavioral Health Facility/ Counseling” from the list to bring up the “What type of care are you looking for?” page where you select between “Licensed Therapists”, “Psychiatrists & Nurse Practitioners”, and “Behavioral Facilities & Programs” (same as under step 3a above). Continue to step 4 below for instructions for finding an in-network behavioral health facility.
4. To find an in-network Behavioral Health facility select Locations (step 3c.) and then select “Behavioral Health Facility / Counseling”
5. Next, select “Behavioral Facilities or Programs”
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HEALTHCAREBLUEBOOK
HEALTHCARE BLUEBOOK
Maher Terminals offers all employees access to a powerful cost and quality transparency tool called Healthcare Bluebook (HCBB). HCBB ranks local providers by cost and quality with an easy-to-read color system to help you get quality care without overpaying. You can even earn cash-back rewards on select procedures! By using HCBB, you will:
Save Money
By comparing what local providers charge for a specific procedure, you can make sure you’re not paying more than you should.
Get Quality Care
By checking the quality ranking of local providers for a specific procedure, you’ll know you’re in good hands.
Access from Anywhere
You can access HCBB on your computer or via phone or tablet so you can shop from anywhere at any time.
Earn Cash-Back
You can earn cash-back rewards on select procedures. Luminare Health will share information about members’ claims with HBCC through a secure data feed. Those members that visited a fair price “green” provider on an eligible procedure will receive a rewards check from HCBB.
Getting Started on Healthcare Bluebook
1. Log in to luminarehealth.com
2. Click the Healthcare Bluebook link in the My Links section.
3. Search by procedure, physician, or hospital.
Download the free Bluebook mobile app for on-the-go access
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All employees and covered dependents enrolled in the medical plan have access to Teladoc at no additional cost (no copay or deductible) for virtual care to treat mild illnesses.
Consult with a state-licensed and U.S. boardcertified doctor via phone, video, or mobile app and receive professional guidance, diagnosis, and even a prescription (when necessary) from wherever you are – home, office, or on the road.
WHEN TO USE THIS BENEFIT?
• Acute conditions and common illnesses such as allergies, sinus infections, pink eye, and rashes
• When your physician is unavailable and cannot be seen in a timely manner
• When your schedule doesn’t permit traveling to see your physician at their office (work, etc.)
• When you are traveling for work or on vacation
TELEDOC PROVIDERS:
• Are available 24/7/365
• Can consult via mobile app, 1-800-Teladoc, or Teladoc.com
• If medically necessary, can provide an electronic prescription that can be sent to the pharmacy of your choice
Go to http://www.teladoc.com/ to register as a member and download the mobile app for easy access to virtual providers
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TELADOC
PHARMACY
Maher Terminals’ employees and eligible dependents covered in the medical plan have prescription drug coverage through RxBenefits/CVS Caremark, our Pharmacy Benefit Manager. Access the pharmacy benefit by presenting your medical ID card along with your prescription at any of the chain or privately-owned pharmacies.
Log into My RxBenefits member portal at https://member.rxbenefits.com/home to manage and access your pharmacy benefit information including:
View pharmacy benefits coverage (Generic vs Brand)
View prior authorization status, including explanations of decisions
Receive timely communication and personalized updates for alternative medication therapies (related to anti-inflammatory and dermatological conditions)
RxBenefits
800-334-8134
(8am - 7pm EST, M-F), or email customercare@rxbenefits.com
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DENTAL PLAN
Dental Benefits are administered by Delta Dental of NJ. Benefits under this plan include Preventive, Basic, Major, and Orthodontic Services.
Major Services Include:
• Crowns
• Bridges
• Dentures
• Partial Dentures
Orthodontia for Children
• Up to age 19
• $2,000 lifetime maximum
Dental Provider Network Search:
• DeltaDentalNJ.com/FAD
• Network Name: Delta Dental PPO
How can I save the most money with my dental plan?
You’ll save the most when you see a dentist in the Delta Dental PPO network, as they offer the greatest discount. You’ll pay less with PPO dentists than with Delta Dental Premier® or out-ofnetwork dentists.**
How can I find a PPO dentist?
Visit DeltaDentalNJ.com/FAD and be sure to select the “Delta Dental PPO” network. Dentists with the “Greater Savings” icon participate in the PPO network.
Call the Delta Dental Customer Service Department at 800-452-9310 or call 800-DELTAOK to have a listing sent to you.
*Deductible applies to all services
**Balance billing may occur when using a Premier or non-network provider
Dental Plan – In-Network* Benefits Deductible* Individual Family Maximum $100 $150 Preventive Services 100% Basic Services 100% Periodontics 100% Endodontics 100% Annual Benefit Maximum $1,500 Major Services 50% Annual Major Benefit Maximum $750 Orthodontia (Child Only) Lifetime Maximum Age Limitation $2,000 Up to age 19
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VISION PLAN
The Maher Terminals Comprehensive Medical Plan allows for one (1) eye exam & refraction per calendar year (claims processed through the medical plan). In addition, Maher offers fully insured vision benefits through EyeMed. The chart below is a breakdown of the benefits available under the EyeMed Plan. America’s largest vision network with the right mix of providers!
Several in-network options for buying eyewear online!
EyeMed Vision Plan* Plan Attribute In-Network Out-of-Network Exams $0 (PLUS Provider) $10 Up to $40 Frames $0 copay; 20% off balance over $180 allowance (PLUS Provider) $0 copay; 20% off balance over $130 allowance Up to $91 Lenses Single Vision $25 Copay Up to $30 Bifocal $25 Copay Up to $50 Trifocal $25 Copay Up to $70 Lenticular $25 Copay Up to $70 Contact Lenses Fit & Follow-up Standard Premium Up to $40; contact lens fit and 2 follow-up visits 10% off retail price Not Provided Conventional $0 copay; 15% of balance over $130 allowance Up to $91 Disposable $0 copay; 100% of balance over $130 allowance Up to $91 Medically Necessary $0 copay; paid-in-full Up to $300 Frequency Exams, Frames & Lenses, Contact Lenses: once every plan year
Exam at PLUS Providers = $0 copay! Frames at PLUS Providers = $180 allowance
10 v Vision Provider Search www.Eyemed.com Network: Insight Network EyeMed Members App
COMPANY PAID BENEFITS
LIFE INSURANCE
Maher Terminals insures all full-time employees under a Basic Life Insurance Policy, which provides a benefit of 3.5x salary, up to maximum $850,000 without evidence of insurability .
ELIGIBILITY
• Employees: Each active, full‐time employee working 30 or more hours per week, except any person working on a temporary or seasonal basis.
• Enrolled: Date of Hire
BENEFIT AMOUNT
• 3.5x earnings, rounded to the next higher $1,000 (maximum of $850,000)
GUARANTEED ISSUE
• Up to a maximum of $850,000 without Evidence of Insurability
BENEFIT REDUCTION DUE TO AGE
• Age: 70
• Original Benefit Reduced To 50%
FEATURES
• Conversion privilege
• Portability
VALUE ADDED SERVICES
• Bereavement Counseling Service
• Travel Assistance Service
• Identity Theft Remediation
• Legal & Financial Services
CONTRIBUTION REQUIREMENTS
• Coverage is employer paid.
BENEFICIARY INFORMATION
Remember to review your life beneficiary information throughout the year, and update if necessary, especially in the event of any life changes such as birth, death, divorce, etc. Contact HR to update your information.
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COMPANY PAID BENEFITS (CONTINUED)
SUPPLEMENTAL WAGE POLICY
Maher Terminals provides all full-time employees with a Short-Term Disability Wage Supplement benefit if you become temporarily disabled.
To be eligible for company supplemental wage payments, employees:
1. Must apply and be approved for short-term disability benefits through the state of New Jersey
2. Must remain within close vicinity of the employee’s home while on STD
3. Cannot engage in outside employment
4. Avoid activities that may delay recovery and a return to work
• All full-time employees (both exempt & non-exempt) will continue to receive their full wages for up to eight (8) weeks or four (4) bi-weekly payrolls. During this period employees are required to surrender the full amount of the STD payment to Maher for the period that full wages were paid.
• If employees do not return after the 8 weeks, the company will supplement employee’s State STD benefit as follows:
o Employees employed five (5) years or less, 50% of the difference between their regular wages and the disability benefit to be received
o Employees employed five (5) years up to ten (10) years, 75% of the difference between their regular wages and the disability benefit to be received
o Employees employed more than ten (10) years, will continue to receive full wages while out on approved STD and is required to surrender the full amount of the STD payment to Maher for the period that full wages were paid.
SHORT-TERM DISABILITY
Short-term disability (STD) insurance is administrated by the state of New Jersey.
STD Benefit overview:
• Eligibility: worked 20 weeks earning at least $260 weekly or earned a combined total of $13,000 for the year
• Benefit: 85% of average weekly wage up to maximum
• Benefit duration: 26 weeks
• Elimination period: 1 week; benefits begin on the 8th day of disability, known as the “waiting week”. If disabled for 31 days or more, waiting week is retroactively paid.
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COMPANY PAID BENEFITS (CONTINUED)
LONG-TERM DISABILITY
Maher Terminals insures all full-time employees under a Long-term Disability (LTD) policy. The LTD policy is a disability income protection insurance that provides a benefit for “long term “disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continues while you are disabled up to the maximum benefit duration.
o Enrolled: Date of Hire
o Benefit Amount: Monthly benefit is an amount equal to 60% of covered earnings, up to a maximum benefit amount (see HR for maximum amount)
o Elimination Period: 180 consecutive days of total disability
o Maximum Benefit Duration: Benefits not to exceed the longer of:
▪ Social Security retirement age
▪ Duration of benefits in age chart (see HR for age chart)
o Contribution Requirements: Coverage is employer paid
NJ COMMUTER TAX SAVINGS PROGRAM
The NJ Commuter Benefit allows employees to use pre-tax dollars (up to IRS maximum) to pay for qualified parking and commuter expenses.
Eligible Expenses:
o Mass transit costs (train, bus, ferry, and van pool)
o Parking fees (at work or at park-and-ride sites)
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COMPANY PAID LEAVE
VACATION
Maher provides paid vacation time to all regular, full-time employees for rest and relaxation. Vacation time is granted on January 1st of each calendar year based upon an employee’s length of service with Maher Terminals.
If a regular, full-time employee is hired before July 1st of the calendar year, then the employee is entitled to one (1) week of vacation time within the same calendar year after completing six (6) months of service. Thereafter, vacation time is accrued as follows:
Six (6) months of service
Five (5) years of service
Fifteen (15) years of service
PAID TIME OFF (PTO)
Two (2) weeks effective the January 1st following your six (6) month service anniversary
Three (3) weeks effective the January 1st following your fifth (5th) year service anniversary
Four (4) weeks effective the January 1st following your fifteenth (15th) year service anniversary
In order comply with the New Jersey Sick Leave Law, employees are front-loaded 40 hours of PTO on January 1st of each year (new employees are awarded prorated hours based on the number of weeks worked in the first year of service after 90 days of employment). These hours may be used for personal (non-sick) related reasons as well as illness.
No carry-over of days at the end of the year; no pay-out of remaining days upon termination of employment.
*See Holiday Calendar for details Length of
COMPANY PAID HOLIDAYS
President’s Day
Good Friday
Memorial Day
Independence Day
Labor Day
Columbus Day
Thanksgiving Day
Friday or Monday after Thanksgiving
Christmas Eve & Day
New Year’s Eve & Day
2 out of 5 Elective Holidays*
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Service Vacation Time
RETIREMENT BENEFITS
Maher Terminals offers options to eligible employees to help you save for retirement. All new, full-time employees are eligible to participate in the plan on the 1st of the month following their date of hire.
401(K) AND PROFIT SHARING PLAN
The 401 (k) plan is an investment tool with pre-tax and post-tax options. While both accounts allow your savings to grow tax-free, they differ in tax treatment at the time of contributions and withdrawals. Pre-tax and post-tax catch-up contributions are also available for participants age 50 and older.
Pre-Tax – Contributions are pre-tax, meaning your taxable income is reduced by the amount you contribute, and you do not pay income tax on the earnings in the account (such as interest) until you start making withdrawals, typically at retirement.
Roth – There are no immediate tax savings for a Roth contribution, however, the contributions can be withdrawn tax-free when in retirement.
Employees may contribute a percentage of their salary up to the plan maximum of 80% and not to exceed the annual limit set by the IRS each year. Employees 50 years of age and older may make an additional contribution, known as “catch up” contributions, which are also subject to annual limits set by the IRS.
Profit Sharing* – Maher may make discretionary contributions into employees’ 401(k) accounts.
• Must be employed for 6 months to be eligible
• 3-year vesting period
• Employee directed investing
The Maher Terminals 401(k) and Profit Sharing Plan is administered through John Hancock Retirement Plan Services (JHRPS). Once you have met eligibility requirements, you can go online to view your account, make any changes to contributions and/or investments at myplan.JohnHancock.com
JHRPS does not offer financial advice but rather offers tools to help you prepare for retirement via the participant portal.
PLAN FEATURES
Auto Enrollment
New employees are auto-enrolled in the 401(k) with a contribution rate of 6% invested in the age-appropriate life-cycle funds with a 30 day window to make initial changes to contribution rates, investments, or to opt-out.
Auto Rebalance
Available quarterly, semi-annually, or annually based on the requested auto balance date.
Match*
Auto Increase
Employees enrolled in the 401(k) will have an automatic increase in contribution of 1% every year up to a maximum contribution of 15%. Enrollees can log into their account to adjust this auto increase.
Maher matches 25% on all employee contributions. Catch-up contributions are not matched.
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RETIREMENT BENEFITS (CONTINUED)
NONELECTIVE CONTRIBUTION PLAN (NEC)*
As an alternative to participation in the Maher Terminals Pension Trust, which was closed to new participants effective 12/31/2008, Maher may make a contribution to employees’ Nonelective Contribution Plan.
• Must be hired 2009 or later
• Must be employed for 6 months to be eligible
• 3-year vesting period
• Employee directed investing
PENSION TRUST
• All employees hired prior to 2009, who have met eligibility rules, are participants in the Plan.
• Closed to employees hired 2009 or after.
BENEFICIARY
Remember to review your 401(k) and Profit Sharing Plan beneficiary information throughout the year, and update if necessary, especially in the event of any life changes, such as birth, death, divorce, etc. Update your information by:
• Logging into your account at myplan.johnhancock.com
• Select Maher Terminals 401 (k) and Profit Sharing
• Click on the “Quick Links” drop down
• Click on “My Profile, Beneficiary, and Settings”
• Click on the “Beneficiaries Tab”
*At Company’s Discretion
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WELLNESS BENEFITS
MAHER STRONG HEALTH AND WELLNESS PROGRAM
Maher Terminals is committed to providing employees and their families the resources to lead a healthier lifestyle. Maher Strong is our initiative developed to emphasize education, opportunities, and fun regarding your health and wellness.
MAHER STRONG POWERED BY VIGOROOM
Maher Terminals provides a Wellness Platform, powered by Vigoroom. Available to all employees at no cost, this tool provides various customized ways for you to Eat Well, Move Well, Sleep Well, Feel Well, Live Well!
The platform is accessible via the website or mobile app. On the platform you’ll:
• Get access to 100’s of programs to help you lose weight, relieve stress, anxiety & depression, sleep better, strengthen your body, improve finances, get in shape, and so much more!
• Have the ability to build your own unique and personalized health and fitness profile.
• Earn points by engaging with content designed to improve your health for a chance to win prizes!
• Easily navigate the user-friendly platform.
• Connect your wearable device to track your steps, blood sugar, weight, sleep, and activity over time. 300+ supported devices!
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WELLNESS BENEFITS (CONTINUED)
ACTIVE & FIT DIRECT GYM DISCOUNT
Through Luminare, Maher Comprehensive Medical Plan members have access to the Active & Fit Direct Program. For a discounted monthly membership fee and a one-time enrollment fee you can have access to the following benefits.
• A gym membership to your choice of 11,900+ standard gyms and/or 5,600+ premium exercise studios with 20% – 70% discounts on most
• You can switch gyms or cancel anytime
• Over 9,000 on-demand workout videos so you can work out at home or on the go
• Once enrolled, you can enroll your spouse
• A variety of workout classes available anytime on YouTube and Facebook
• Activity tracking through the Active&Fit Direct Connected! tool, which aggregates data from over 250 wearable fitness trackers and apps
• One-on-one well-being coaching on fitness, nutrition, stress, sleep, and more
• Digital resources and classes
• No long-term contracts
LEARN MORE AND GET STARTED
myLuminareHealth.com
Go to the “My Links” tile
Click on “Fitness Center Membership Program”
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WELLNESS BENEFITS (CONTINUED)
EMPLOYEE ASSISTANCE PROGRAM (EAP)
Offered to all Maher Terminals’ employees and their families, the EAP from ACI Specialty Benefits is provided at no cost. Contacting an advocate to help handle life’s challenges is confidential and your information will never be shared with Maher Terminals.
The EAP provides professional services to help employees address a variety of personal, family, life, and work-related issues. From everyday stress to relationship issues at work or home, the EAP provides support for overall health, well-being, and life management. EAP benefits are 100% confidential and available to all covered employees and family members, regardless of location.
EAP INCLUDES
• Unlimited telephonic clinical assessment and referral
• 24/7 live answer, online, mobile, and social access to services
• Local and international network of providers
• Support available in 180 languages
• All family members eligible for services
How to Access Services
EAP SERVICES INCLUDE
• Child, elder, and pet care referrals
• Legal and financial consultation
• Education referrals and resources
• Referrals for personal services
• Health and wellness resources
• Veteran-specific support
• Community-based resource referrals
Employees can register for myACIonline to get instant access to personalized benefits information and to request referrals and services. To conveniently access services:
1. Go to http://rsli.acieap.com
2. Click on “Sign Up” using the code that is provided on the website
3. Log in with your email address and password used when signing up for an account
Start accessing benefits immediately!
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Benefits Contact Information Medical Luminare myLuminareHealth.com 800-990-9058 Pharmacy Provider RxBenefits/ CVS Caremark customercare@rxbenefits.com 800-334-8134 Telemedicine Teladoc Teladoc.com 800-TELADOC (835-2362) Dental Delta Dental DeltaDentalNJ.com/FAD 800-452-9310 Vision EyeMed Eyemed.com 866-804-0982 Life Insurance & Long-term Disability Reliance Standard Reliancestandard.com 800-351-7500 STD State of New Jersey Myleavebenefit.nj.gov 609-292-7060 Employee Assistance Program ACI Specialty Benefits rsli@acieap.com 855-RSL-HELP (855-775-4357) Retirement Plans John Hancock Retirement Plan Services (JHRPS) Myplan.johnhancock.com 800-294-3575 Maher Terminals Human Resources Jessica Ayala jayala@maherterminals.com 908-527-8200 (ext 5210) 20 BENEFITS CONTACT INFORMATION
March 2024
