1 Keysight Benefits in Brief for Regular Employees in the U.S. and Puerto Rico For employees hired after July 31, 2015 Inside: Work/Life Staying Healthy For Your Protection Pre-Tax Reimbursement Keysight 401(k) Plan Other Benefits
2 Benefits in Brief Page 2 As someone who is considering employment opportunities with Keysight Technologies or one of its subsidiary companies, you re undoubtedly interested in the benefits that Keysight provides to its employees. This brochure was prepared to help you and your family understand some of the policies and benefits provided for regular employees of Keysight. We agree that benefits are an important part of your total compensation, and we re proud to offer a comprehensive, balanced, and competitive benefits package. Keysight s benefit programs address both the immediate needs that you and your family may have, such as health coverage, child/elder care referral services, and income protection in case of unexpected injury or illness. Keysight s programs also address your long-term needs, such as saving for retirement. In addition, Keysight Technologies offers flexible work hours and flexible time off programs that acknowledge the need, and importance, of having time away from work. Work/Life Keysight Technologies has a number of programs and policies designed to help employees in its diverse work force manage their work and personal lives while meeting company objectives for business success. Flexible Work Hours Flexible work hours allow Keysight Technologies employees more freedom in arranging their work and personal schedules. The use of flexible work hours is subject to the needs of the company and its customers. The only requirements are that an employee must work a schedule designated by his/her organization and arrive and leave within specified periods. Holidays You receive 11 paid holidays each calendar year. Ten are scheduled, including one that is a floating holiday designated by Keysight Technologies each year; the eleventh is a personal holiday that you can schedule within certain guidelines. Holiday time is prorated for part-time employees. Your first day of employment. To be eligible for the personal holiday, you must be a regular full-time or regular part-time employee on the first working day of the calendar year. Flexible Time Off Flexible Time Off (FTO) provides you with paid time away from your job for such things as vacation, outside activities, illness, personal business and family matters. You begin to accrue FTO hours your first day of employment. FTO can be accrued up to an FTO accrual cap which is based on your years of service. The FTO accrual schedule for part-time employees is prorated based on their work schedule. The FTO accrual schedule for full-time employees is as follows: Flexible Time Off Schedule Years of Service Yearly Accrual Rate In Days FTO Accrual Cap In Days and over Your first day of employment. Flexible Work Arrangements Keysight Technologies U.S. Flexible Work Arrangements are intended to help support the company s business needs and employees needs for managing work/life demands. The following may be alternatives to the traditional Monday-Friday, eight-hour a day, office-based work arrangement. Each of these options is subject to local laws and approval by your management team. Part-time Employment (minimum 20 hours per week) Job Sharing/Job Splitting Telecommuting Variable Work Schedules Upon approval by management.
3 Benefits in Brief Page 3 Leaves of Absence A leave of absence is a discretionary benefit, which may provide for up to one year of unpaid time off for the following reasons: Birth/adoption of a child Serious personal or family problems Educational pursuits related to Keysight Technologies business needs Other significant work/life reasons as determined by Keysight Technologies Employee s severe illness, maternity, or accident/injury on or off the job A military leave of absence may be requested for up to four years (if required by federal government, leave may be up to five years) for either of the following: A call to active duty in the United States military Enlistment in the United States military Upon approval by management. Adoption Assistance Keysight Technologies Adoption Assistance benefit pays $2,500 per legal adoption by a Keysight employee. Your first day of employment. Employee and Family Assistance Plan Keysight s Employee and Family Assistance Plan (EFAP) offers employees and members of their household a single point of access for confidential counseling, limited legal and financial assistance, and referral assistance for child/elder care services. Specially-trained clinicians are available 24 hours a day to provide assistance with emotional difficulties, parenting concerns, family and relationship issues, stress-related problems, conflicts at work or home, and substance abuse issues. Clinicians provide assessment of treatment needs, solution-oriented intervention and, when necessary, referral to the appropriate level of treatment. This includes up to seven face-to-face counseling visits per problem per year. The EFAP also provides Keysight employees and members of their household with resources to help manage work and personal responsibilities, such as child and elder care issues, expectant parent concerns or college selection. Your first day of employment. There is no cost to you for your EFAP coverage. Did you work for Keysight in the past? If you re rehired by Keysight you may be eligible for slightly different benefits. Ask your recruiter about these differences. Important Information for those in Puerto Rico Keysight employees in Puerto Rico are not eligible for the following: Keysight 401(k) Plan Pre-Tax Reimbursement Accounts: Dependent Care Spending Plan, Health Care Spending Plan and Health Savings Account Group Universal Life Insurance Employee and Family Assistance Plan (EFAP) In addition, employees in Puerto Rico receive: Four additional paid holidays for a total of fifteen, including one personal holiday that you can schedule. An annual Christmas bonus, paid in December.
4 Benefits in Brief Page 4 Staying Healthy Keysight Technologies offers the following medical plan options to its US employees: Keysight High Deductible Health Plan, Option 1 and 2 HMOs, available in some areas Dental and Vision coverage Keysight reviews its health programs each year. Changes are typically announced during an Annual Enrollment Period in the Fall to be effective January 1 of the following year. Keysight High Deductible Health Plan Keysight offers two High Deductible Health Plan (HDHP) choices: HDHP Option 1 and HDHP Option 2. Both plan options can be paired with a Health Savings Account (HSA), which can be used to pay for qualified medical, dental and vision care costs or saved for future qualified medical expenses. Details regarding the HSA are available on page 7. Highlights of the HDHP Options 1 and 2: The Keysight High Deductible Health Plan (HDHP) is administered by UnitedHealthcare, which maintains a nationwide network of doctors, hospitals and other specialists that offer their services at contracted rates. The Keysight HDHP gives you the freedom to choose between in-network and out-of-network providers. If you use innetwork providers, you receive a higher level of coverage and typically pay a lower share of costs than you do using out-of-network providers. Once you ve met your annual deductible, eligible expenses are covered at 90% for in-network services and 70% for outof-network services. Under the Plan, benefits are paid at 100% after you reach your annual out-of-pocket maximum (the maximum cost you will pay in a calendar year). Many Preventive Care services including some generic prescription drugs are covered at 100% and are not subject to the annual deductible. Preventive Care Preventive care such as routine exams and tests helps you maintain your health and develop a healthier lifestyle. Under most Keysight medical options, most preventive care services are covered at 100% and are not subject to the annual deductible. This includes preventive care procedures that occur during any doctor visit, and prescription drugs specified as preventive care by the U.S. Department of Treasury. Keysight HDHP Overview Benefit Option 1 Option 2 Annual Deductible Employee Only Employee Plus One Employee Plus Family Annual Out-of-Pocket Limit Employee Only Employee Plus One Employee Plus Family Employee Only Employee Plus One Employee Plus Family Preventive/Routine Exams Annual check-up Mammogram Routine well-child care and immunizations Prescription Drugs - Retail Pharmacy (Mail order also available) Office Visit Lab Services Hospital & Surgery Urgent Care Emergency Room Chiropractic, Mental Health, Chemical Dependency/Rehab, Prosthetics $1,300 $2,600 $3,900 In-network $3,000 $6,000 $6,000 Out of network $6,000 $12,000 $12,000 $3,000 $4,500 $6,000 In-network $6,000 $12,000 $12,000 Out of network $10,000 $20,000 $20,000 In-network: Covered at 100%, no deductible Out of network: Covered at 100%, no deductible, up to annual max of $750 per family In-network covered at 90%, after deductible 1 Out of network: N/A In-network: Covered at 90%, after deductible Out of network: Covered at 70%, after deductible In-network: Covered at 90%, after deductible Out of network: Covered at 70%, after deductible Covered at 90% after deductible for true emergency, 30% after deductible if not true emergency In-network: Covered at 90%, after deductible Out of network: Covered at 70%, after deductible 1 Generic preventive care prescriptions are covered at 100%, no deductible.
5 Benefits in Brief Page 5 HMO Options Health Maintenance Organizations (HMOs) are offered in some areas, including Hawaii, California, Colorado, and Washington State. Provided you live in the HMO service area, you may enroll in a Keysight-sponsored HMO as a new hire. Keysight Dental Plan The Keysight Dental Plan provides a broad range of dental services. The Keysight Dental Plan is administered by Delta Dental and offers in-network and out-of-network benefits. The level of benefits you receive depends on whether you choose an in-network or out-of-network provider. Benefit Annual Deductible Annual Maximum Benefit Diagnostic and Preventive Benefits In-Network Delta PPO dentists $25 per person, $75 per family per calendar year $2,000 per person per calendar year Covered at 100%, no deductible Out-of-Network Delta Premier and Non- Delta dentists $50 per person, $150 per family, per calendar year $1,750 per person per calendar year Covered at 90%, no deductible Basic Benefits Covered at 80% 1 Covered at 80% 1 Crowns, Jackets and other Cast Restorations Prosthodontic Benefits (bridges, dentures) Covered at 60% 1 Covered at 50% 1 Covered at 50% 1 Covered at 50% 1 Implants Covered at 50%. 1 Covered at 50%. 1 Orthodontics Covered at 50%. 1 Lifetime maximum of $1,500 per person 1 After annual deductible is satisfied. Covered at 50%. 1 Lifetime maximum of $1,500 per person Keysight Vision Plan The Keysight Vision Plan provides you with a broad range of vision care services. Keysight s Vision Plan is administered by Vision Service Plan (VSP). You are free to see a vision care provider of your choice, but you will receive a higher level of benefits when you use a provider who is part of VSP s nationwide network. Benefit Eye Examination Limit once every calendar year. Eyeglass Lenses Limit once every calendar year. Frames Limit every other calendar year. Contacts (in lieu of glasses) Limit once every calendar year Laser Vision Correction (LASIK, PRK) 2 Diabetic Eyecare Program (DEP) Additional Benefits In-Network VSP Provider Out-of-Network Non-VSP $25 co-payment. $25 co-payment. Allowance up to $40. $25 co-payment $25 co-payment. Single vision: Allowance up to $40; Bifocal: Allowance up to $60; Trifocal: Allowance up to $80; Lenticular: Allowance up to $125 $25 co-payment. Covered up to $150 allowance. 20% discount on amount exceeding allowance. No co-payment. Elective: Allowance up to $150. Medically necessary: Covered in full 1 Discounted rate at an average of 15% off regular price or 5% off the promotional price from contracted facilities. Medical eye care services for members with Type 1 or Type 2 diabetes. No co-payment Details available in NetBenefits $25 co-payment. Allowance up to $45. No co-payment. Elective: Allowance up to $105. Medically necessary: Allowance up to $210 1 Not covered Not covered Not covered 1 Medically necessary contacts are covered in full, if required for certain medical conditions that prevent you from wearing eyeglasses. They must be approved by VSP. 2 Laser vision correction is available through contract laser vision centers only. Medical, dental and vision coverage is effective on your first day of employment, provided that you enroll for coverage within your first 30 days of active employment. You may enroll newly eligible dependents for coverage within 30 days of the date they become eligible. If you do not enroll yourself or your dependents within 30 days of eligibility, you must wait to enroll until the next Annual Enrollment Period, with coverage effective the following January 1. You and Keysight share in the cost of your medical, dental and vision coverage. Your monthly premiums are based on the cost
6 Benefits in Brief Page 6 of the program option you select and the number of dependents you choose to cover. Your premiums are automatically deducted from your paycheck on a pre-tax basis. Premiums for domestic partners and their dependents are deducted on an after-tax basis. For Your Protection Life Insurance Program The Keysight Technologies Life Insurance Program helps provide financial security and protection for you and your family. The Keysight Technologies LIFE Insurance Plan provides $50,000 of company-paid insurance in the event of death of the employee. The Accidental Death and Dismemberment Plan (AD&D) provides $5,000 of company-paid accidental death and dismemberment insurance while you are an active employee. Additional Group Universal Life insurance based upon a multiple of your annual base pay may be purchased for you, your spouse/domestic partner and/or your children. The Keysight Life Insurance Program also includes company-paid Business Travel Accident Insurance. Your Keysight LIFE Insurance, AD&D, and Business Travel Accident Insurance coverage begins on your first day of employment. Group Universal Life coverage is effective on the first day of the month after the insurance company approves your coverage. There is no cost to you for company-paid life insurance, Accidental Death and Dismemberment Insurance, or Business Travel Accident Insurance. Additional Group Universal Life insurance for you and your family may be purchased at a low monthly cost. Keysight Disability Plan The Keysight Disability Plan provides you with financial assistance when you become disabled and are unable to work due to injury or illness. During the first 52 weeks of your disability, you receive a monthly benefit that is approximately 75% of your monthly pay. If after 52 weeks you are eligible for long-term disability benefits, the benefit is 75% of the first $3,000 of your monthly pay and 50% of your monthly pay above $3,000. Benefits begin after seven days of continuous total disability. Benefits can continue while you remain disabled up to age 65. If you become disabled at age 61 or older, your benefits may extend beyond age 65. Your monthly benefit will be reduced by other payments you receive including Workers Compensation, Social Security, etc. Your first day of employment. There is no cost to you. California Employees: Keysight employees who work in California are covered by the Keysight Disability Plan (CA Supplement) which includes the California Paid Family Leave (PFL) Program. Under the PFL Program, employees working in California may be eligible for up to six weeks of PFL benefits if they take time off to bond with their newborn, newly adopted or newly placed foster child, or to care for a seriously ill parent, child, spouse or eligible domestic partner. Employees working in California contribute to this program via payroll deduction. Please note: Employees outside California may have similar Paid Family Leave benefits available through their state. Enhanced Health Support Keysight partners with leading health service providers to ensure that our employees have access to enhanced health support and guidance. Live coaching and information from these providers help our employees (and their dependents) navigate the healthcare system, manage lifestyle behaviors and chronic medical conditions and understand treatment options. Specific areas of focus include tobacco cessation, weight management and Cardiometabolic Risk Management. These services are provided at no charge.
7 Benefits in Brief Page 7 Pre-Tax Reimbursement Health Savings Account If you enroll in Keysight s High Deductible Health Plan Option 1 or Option 2 you may be eligible to open a Health Savings Account (HSA), an investment account used to pay for current or future qualified medical, dental and vision care expenses, such as deductibles, copayments, coinsurance and prescription drugs. Any unused money in your HSA is yours to keep for future qualified expenses, even if you leave Keysight or change medical plans. Health Care Spending Plan The Health Care Spending Plan allows you to set aside, on a pre-tax basis, up to $2,500 per year to pay for deductibles, coinsurance amounts, hearing care, orthodontia and other eligible expenses not covered by your health plans. Over-thecounter drugs are not an eligible expense, unless a prescription is obtained. If you enroll in the HSA, you can participate in the Limited Use Health Care Spending Plan, which allows you to submit claims for reimbursement related to eligible dental and vision expenses only. If you do not enroll in the HSA, you can enroll in the General Use Health Care Spending Plan, which allows you to submit claims for reimbursement related to eligible medical, dental and vision expenses. Dependent Care Spending Plan The Dependent Care Spending Plan allows you to set aside, on a pre-tax basis, up to $5,000 ($2,500 if married and filing separately) of your salary to pay for eligible dependent care expenses, such as day care and after-school programs, if that care allows you (and your spouse, if you are married) to work. The account may be used to pay for eligible elder care expenses as well as child care expenses. The Dependent Care Spending Plan is subject to current tax law and IRS rules. The Dependent Care Spending Plan does not cover your dependents health care expenses. Any Dependent Care Spending Plan contributions not used during the Plan year will be forfeited. You have until March 31 to submit claims for reimbursement for the preceding calendar year. Your first day of employment. Enrollment must be submitted within 30 days of your eligibility date. Your payroll deductions and participation will start as of the beginning of the pay period following enrollment. You may elect to set aside up to $5,000 ($2,500 if married and filing separately) per calendar year on a pretax basis. The Health Care Spending Plan is subject to current tax law and IRS rules. Any Health Care Spending Plan contributions not used during the Plan year will be forfeited. You have until March 31 to submit claims for reimbursement for the preceding calendar year. Your first day of employment. Enrollment must be submitted within 30 days of your eligibility date. Your payroll deductions and participation will start as of the beginning of the pay period following enrollment. You may elect to set aside up to $2,500 per calendar year on a pretax basis.
8 Benefits in Brief Page 8 Keysight 401(k) Plan The Keysight Technologies 401(k) Plan provides you an incentive to save regularly for retirement on a pretax basis. Keysight contributes $1 for every $1 you contribute up to 4% of your pay, and $.50 for every $1 you contribute on the next 4% of your pay. Contributions above 8% are not matched. You may defer up to 50% of your pay to a Keysight 401(k) Plan account through payroll deductions. The maximum dollar amount you can defer in a year is subject to IRS limits. If you are age 50 years or older, or you will reach age 50 by the end of the calendar year, you can defer additional amounts into the Keysight 401(k) Plan. These additional amounts are called Catch-Up Contributions. Catch-Up Contributions are not eligible for company matching under the Plan. Pre-tax and Roth IRA contributions are allowed Contributions to Keysight s 401(k) Plan can be invested among 15 options covering a broad spectrum of risk and return. The amount contributed to the Keysight 401(k) Plan is considered deferred income; consequently, federal income taxes, as well as most state income taxes, are deferred on that amount until distribution. While you are still a Keysight employee, you can: 1. borrow from your Keysight 401(k) account, repaying the principal and interest to your account through payroll deduction 2. withdraw all or part of your account after you have reached age 59-1/2 years of age 3. withdraw at any time any funds accumulated in your rollover account if you rolled over money from another qualified plan into the Keysight 401(k) 4. request a hardship withdrawal Your first day of employment. You are automatically enrolled in the Keysight 401(k) Plan with a contribution rate of 4% of your pay unless you set your own contribution rate or decline participation. Retirement Investment Advice For all participants in the Keysight Technologies 401(k) Plan, Keysight offers expert retirement investment advice from Financial Engines. Free services, such as an easy-to-use web site that offers specific, personalized advice to help you make informed decisions about retirement, are available to all employees. More comprehensive services are available at discounted rates. You are always 100% vested in the full value of your Keysight 401(k) Plan account. This includes your deferral contributions, Catch-Up Contributions, company matching contributions, any rollover contributions and any investment earnings.
9 Benefits in Brief Page 9 Other Benefits Variable Pay As part of Keysight s overall pay-for-performance rewards strategy, Keysight s Variable Pay program provides eligible employees with an opportunity to receive bonuses based on company and individual results. Bonuses are determined and paid twice a year to all eligible employees following the end of each performance period: November 1st through April 30th (with a payout in June) and May 1st through October 31st (with a payout in December). Most regular employees are eligible beginning on their first day of employment. Employee Stock Purchase Plan (ESPP) Keysight Technologies provides you with the opportunity to participate in the Employee Stock Purchase Plan. You can contribute up to 10% of your eligible compensation towards the purchase of Keysight common stock. The price you pay for the shares of Keysight common stock is at least 15% less than Keysight s common stock market value on the date that the Keysight common stock is purchased for you. You can change your contribution level at any time. There are no brokerage fees when you buy Keysight common stock. You can sell Keysight common stock shares in your account at any time. Taxation at the time of sale will vary depending upon how long you hold the shares prior to sale. You can contribute through convenient payroll deductions. For your enrollment to be effective for one of the six-month purchase periods, you must be enrolled in ESPP prior to the beginning of that purchase period. Six-month purchase periods begin on May 1st and November 1st. Contributions are accumulated for each six-month purchase period and are then applied toward the purchase of Keysight common stock. You may elect to have from 1 to 10% deducted from your eligible compensation towards the purchase of Keysight common stock. Keysight Extras Keysight Extras are a portfolio of great programs, amenities and services designed to help employees balance lifestyle demands and make Keysight a fun, dynamic work environment. Employee clubs such as symphony orchestra, Toastmasters, and retiree (available at selected sites) Commute alternatives such as carpool parking, vanpools, commute subsidies, transit vans (available at selected sites) Company car sales Gift matching to United Way and universities; grant opportunities to employee-championed non-profit organizations and colleges Volunteer and community service time allowances Recreation leagues, teams and clubs for activities such as basketball, softball, skiing, chess, golf, running, tennis, volleyball, roller hockey and soccer (available at selected sites) On site fitness centers, sports facilities and game tables (available at selected sites) Library resources, video and audio books Health fairs and screenings, flu vaccinations, on site massages (available at selected sites) Keysight Company Store Domestic Partners Domestic partners-of the same or opposite sex-are eligible for the following Keysight Technologies benefits: Keysight Technologies-sponsored health plans (medical/ dental/vision) Beneficiary under the Keysight 401(k) Plan or any Keysight Technologies-sponsored life insurance Employee and Family Assistance Plan Group Universal Life Insurance U.S. relocation benefits A domestic partner s eligible dependent children may also be enrolled in most Keysight Technologies-sponsored health plans.
10 Benefits in Brief Page 10 This overview provides highlights of Keysight Technologies programs. The official plan documents are always used to determine when and what benefits will be provided. Keysight s policies and benefits may change from time to time. Accordingly, this brochure does not represent a contract and it should not be interpreted as contractual in nature. This brochure applies to regular U.S. employees only. Consult with the hiring manager for more information. With respect to the Company-sponsored group health plans, such as the Keysight Employee and Family Assistance Plan, Keysight Medical Plan, HMO options, Keysight Dental Plan, Keysight Vision Plan, and the Health Care Spending Plan, you become eligible to participate on your first day of employment, provided that you actually report for work on that day. Keysight Technologies is an equal opportunity employer dedicated to affirmative action and workforce diversity. Any employment with Keysight Technologies, Inc. is not for a fixed period of time and is terminable at the will of either Keysight or the employee. No contrary representation or promises have been made and no such promise or representation shall be binding unless in writing and signed by an officer of Keysight.
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Welcome Back to Module II of our overview on IBM s Benefits Program 1 Here again is the Agenda. We will now start our review of the Second Module. 2 This slide depicts the other Benefit Plans and Programs
National Heritage Academies offers exceptional benefits as part of a Total Rewards package designed to meet the specific needs of educators. We are committed to the over 43,000 students we serve and to
Caring for those who Care A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee BENEFITS Your Wellness Matters HCR ManorCare s benefits are a shared investment in your health and well-being.
Duke University Health System Benefits Overview: Exempt 2015 We are pleased to provide you with information about your benefits at Duke. Our organization is rich in heritage and is proud of its work. While
Benefits Summary for UAB www.uab.edu/benefits HUMAN RESOURCE MANAGEMENT Health Care, Dental, and Vision Plans For new employees, coverage under UAB s group health care, dental, or vision plans will begin
For people who bring it all. Every day. All of us at UnitedHealth Group are bound by more than our mission and our culture. While we re each one of a kind, we share an incredible enthusiasm for living.
Employee Benefits Summary 2015 Welcome to HealthcareSource! Beyond building great talent management software for the healthcare industry, we know our employees are our most valuable assets. We ve created
This summary contains an overview of the benefits provided to eligible employees of ASME. Eligibility: HEALTH CARE OPTIONS PICK WHAT S BEST FOR YOU! Full-time employees and part-time employees who work
Your HP U.S. Benefits Program STRETCH.STRIVE.SUCCEED. HP is a company unlike any other. At HP, we re famous for inventing, engineering, and delivering technology solutions that drive business value, create
UNUM - Group Term Life/AD&D & Voluntary Life/AD&D Plan Benefits Summary Basic employee life insurance 1x base annual earnings rounded to the next higher $1,000 to a maximum benefit of $300,000 Supplemental
CHI BENEFITS at a glance St. Anthony Hospital CHI Healthy SPIRIT Physical and financial health and wellness SM Our mission to create healthier communities extends to our own workplace. Not only do we want
SUMMARY OF EMPLOYEE BENEFITS The City of Gaithersburg offers a competitive and comprehensive employee benefit package to eligible employees. This summary of benefits highlights general information about
2013-2014 Benefits Summary Welcome! Personal needs greatly influence the choices we make in our daily lives. This is true even in the selection of health, life and supplemental benefits. Aurobindo Pharma
2016 Benefits Guide Health Plan Options There are three plan packages from which to choose. Dental and vision coverage can be elected separately. See below for level of coverage available. Bi-Weekly Employee
Duke University Health System Benefits Overview: Non-Exempt 2015 We are pleased to provide you with information about your benefits at Duke. Our organization is rich in heritage and is proud of its work.
2016 HEALTH PLAN COMPARISON CHART The 2016 Health Care Plan Comparison Chart provides you with high-level coverage details on medical, dental and vision plans. Andre Jacobs Field Services North America,
MUNICIPALITY OF ANCHORAGE Benefit and Retirement Plans For 2012 Table of Contents 2012 Health Plan Summary... 3 Opt-out Program FAQs... 4 2012 Premium Rate Table... 5 Benefits:... 6 Retirement:... 8 MOA
Employee Benefits 2016 Physician Benefits Overview Allina Health is proud to provide our physicians competitive benefits that help support their health, savings and balance. Your benefits overview Allina
Full-Time Medical Residents, 2014 Health Plan Memorial offers two HRA/Co-insurance Medical Plans: Plan A - Lower deductible with $750 HRA and higher premium. Plan B - Higher deductible with $750 HRA and
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Get to know the benefits of working at Aetna Smart. Innovative. Dedicated. www.aetna.com 00.02.362.1 C (7/12)
P.O. Box 619616, MD 5675 DFW Airport, TX 75261-9616 AME292-M John Sample 123 Any Street 123 Any Street Any Town, US 12345-6789 1234567890123456 PRESORTED STANDARD U.S. POSTAGE PAID Hamburg, NY PERMIT NO.
Benefit Program Summary The Cleveland Clinic is comprised of ten of Northeast Ohio s most prestigious hospitals and offers its employees career opportunities in state-of-the-art facilities that cover the
Benefit Coverage Chart & Rates Effective July 1, 2014- June 30, 2015 PPO Medical Coverage by Category The following coverages are included with the PPO plan: o Prescription o Vision Additional Benefits
Overview of Available Benefits -Long Term Supplementals 1BIBM benefits Your health. Your wealth. Our partnership: The benefits of working at IBM IBM offers a competitive benefits program, designed to help
Qualcomm United States Benefits Our benefits package is deep and comprehensive, providing you and your family extensive protection and security, along with quality, life-enhancing programs. When we day
MUNICIPALITY OF ANCHORAGE Benefit and Retirement Plans For 2014 APDEA and IAFF Page 1 Table of Contents 2014 Health Plan Summary...Error! Bookmark not defined. Opt-out Program FAQs... 4 2013 Premium Rate
HEALTH, LIFE INSURANCE, DISABILITY AND WORK/LIFE BENEFITS FREQUENTLY ASKED QUESTIONS (FAQs) For 2016, Medtronic has reshaped its benefits program to provide you and your family the health and insurance
Benefits Open Enrollment Frequently Asked Questions Plan year: July 1, 2014, through June 30, 2015 Open Enrollment begins May 15 and ends May 30. You must enroll in order to receive medical, prescription,
Cornerstone Benefits Highlights 015 MEDICAL DENTAL VISION and MORE Welcome to Your 2015 Cornerstone Benefit Guide Your Benefits Package As a Cornerstone employee, you are eligible for a number of great
ORISE CONTRACTOR EMPLOYEE BENEFIT PLAN Contractor Employee Category Definitions Employment may be as a full-time regular (FTR), part-time regular-benefits (PTRB), or part-time regular-limited (PTRL) employee
2015 EMPLOYEE BENEFITS PROGRAM email@example.com Ben efit with Oxy your health. your life. your future. Occidental Petroleum Corporation Benefit Plans at a Glance Oxy s benefit plans and programs are designed
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