1 Benefits Highlights Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits HC Option 5
2 GE Benefits: Adding value beyond your paycheck The Company offers a wide variety of benefits that represent an important part of the value of your job. The benefits package provides a wide range of plans to help you achieve your goals at every stage of your career. For more information This booklet highlights benefits for GE employees and employees of certain GE affiliates. It is not an official summary plan description and is not intended to provide full details of the plans described. Complete details can be found in the official plan documents, which govern in all cases. For employees covered by a collective bargaining agreement, participation in programs or plans described in this document shall only occur upon agreement by the employees union representative. Participation in programs or plans incorporated by reference into the agreement is only to the extent provided through the incorporation. The Board of Directors of General Electric Company reserves the right to terminate, amend, eliminate or replace any program, plan or benefit at its discretion and at any time to the extent permitted by law. As used in this booklet, the Company refers to General Electric Company and its affiliates that participate in the applicable GE benefit plan. Benefits described in this booklet apply to eligible employees who are on the active payroll unless expressly stated otherwise. 1
3 Health Care Coverage GE Health Choice Options 1, 2 and 3 GE Health Choice provides you with three levels of benefit coverage, allowing you to find the right fit for your care. All three options offer preventive screenings at no cost to you, lower contributions for nonsmokers, savings accounts to help you pay for medical expenses, and financial protection against high medical expenses. OPTION 1 OPTION 2 OPTION 3 Payroll Contributions Highest Lower Lowest Maximums, Deductibles and Co-insurance Lowest Higher Highest Savings Accounts GE-funded HRA You may elect to fund an FSA GE-funded HRA You may elect to fund an FSA Employee-funded HSA You may elect to fund a Limited Purpose FSA (for dental and vision only) Attributes You pay the most in payroll contributions, but you pay less when you seek care. You pay less in payroll contributions than Option 1, but pay more when you seek care. You pay the least in payroll contributions, but you pay the most when you seek care. If you meet the eligibility criteria and do not enroll or waive coverage during your health care enrollment period, you will automatically be enrolled in Option 1 at the Three or More coverage level, whether or not you have dependents. In addition, your smoking status will default to smoker (see page 4 for more information). Prescription Drug Coverage This chart shows benefit coverage provided by all three options. After you meet your Annual Deductible (Medical and Pharmacy combined) the following co-pays and co-insurance applies: MEDICAL 20% In-Network 40% Out-of-Network Generic Drugs RETAIL $12 co-pay (up to a 30-day supply) PRESCRIPTION DRUG Brand Name Drugs RETAIL 30% co-insurance (up to a 30-day supply) 4To learn more about GE Health Choice and prescription drug coverage, visit ge.com/healthahead MAIL ORDER $24 co-pay (up to a 90-day supply) MAIL ORDER 20% co-insurance (up to a 90-day supply) 2
4 GE Savings Accounts 4For more information on GE Savings Accounts, visit ge.com/healthahead All GE Health Choice options include access to accounts to help you pay your share of qualified medical expenses with pre-tax dollars. You can use the money in the savings accounts to help pay for eligible health care expenses, including prescriptions, medical, and behavioral health, vision, and dental expenses. All of the accounts permit you to pay several ways: Use a debit card to access funds; Pay online directly without submitting claim forms; or Pay with your own money and file a claim for reimbursement. Health Care Flexible Spending Account (FSA) This option is available to employees who choose GE Health Choice Option 1 or 2 only. Your Health Care FSA lets you set aside a portion of your earnings on a pre-tax basis to help pay for qualified medical expenses, including dental and vision expenses. Limited Purpose Flexible Spending Account (LPFSA) Option 3 participants can elect to open a Limited Purpose Flexible Spending Account (LPFSA). An LPFSA lets you set aside a portion of your earnings on a pre-tax basis to pay for dental and vision expenses in addition to the money you put in your HSA. You cannot use it for any other medical expenses. Health Reimbursement Account (HRA) This option is available to employees who choose GE Health Choice Option 1 or 2 only. GE will credit your HRA $500 1,000, depending on the number of persons covered. The amount in the account is provided tax free. If you don t use all of your HRA balance during the year, it will roll over to the following year. If you switch to Option 3 or leave GE, the balance in your account will be forfeited. You cannot use your HRA to pay for dental or vision expenses. Health Savings Account (HSA) This option is available to employees who choose GE Health Choice Option 3 only. An HSA is a bank account that employees can open to help save money, tax free, to pay their share of qualified medical expenses. 3
5 Smoking Certification Tobacco users enrolled in GE Health Choice pay more. Effective January 1, 2012, the tobacco surcharge will apply to all tobacco use for active employees, including cigarettes, pipes, cigars, smokeless tobacco and electronic cigarettes. Tobacco use is the leading preventable cause of serious disease. If you make the healthy choice not to use tobacco, GE believes you should pay less for your coverage. So if you don t use tobacco, you will save $625 dollars on your GE Health Choice plan contributions. Vision Care Through GE Vision Care, eligible employees and their family members can save on certain vision expenses, such as covered eye exams, prescription lenses and eyeglass frames as part of GE Health Choice. GE Vision Care is included in your medical coverage under GE Health Choice Plan options. No additional contributions are required. The GE Vision Plus Option can be elected for additional benefits and contributions will apply. The GE Vision Basic Option pays benefits, according to a schedule, for routine eye exams, new lenses, frames or new contact lenses. Eligible expenses are covered every other calendar year for participants age 19 and over (every calendar year for participants under age 19). Under the GE Vision Plus Option, routine eye exams, new lenses, frames or new contact lenses are covered every calendar year. Additionally, this option provides higher reimbursements for certain allowances and a lifetime maximum allowance of $250 per eye for laser vision surgery. If you ve already used your GE Vision Care benefits, you can save on the cost of additional vision care in the network through the GE Vision Value Option. For example, you can get another pair of eyeglasses or contacts at reduced network rates before you re eligible again for plan benefits. 4
6 GE Dental Care 4GE Dental Care is designed to encourage good preventive care to help you maintain healthy teeth and gums. The benefits will help you pay for a broad range of dental care and other supplies The Company offers you a choice between two options for your dental coverage the GE Dental Schedule Option and the GE Dental Premium Option. Both options provide similar coverage for preventive care, diagnostic care, fillings, orthodontia, oral surgery and more. The key difference is the GE Dental Schedule Option covers certain services, such as diagnostic, preventive, restorative and prosthodontic care, only up to an amount based on a benefit schedule. In contrast, the GE Dental Premium Option bases its coverage for all services on the dentist s reasonable, necessary and Under both options, you or your dentist submits claim forms. In addition, under both options, you can reduce your out-of-pocket expenses by using dentists and other dental Providers who participate in the dental care network. Your GE Dental Care Options at a Glance Covered Services BENEFIT GE DENTAL SCHEDULE OPTION GE DENTAL PREMIUM OPTION Diagnostic and preventive coverage Paid up to scheduled amounts. 100% of reasonable, necessary and Fillings, crowns and inlays Paid up to scheduled amounts. 80% of reasonable, necessary and Dentures and fixed bridges Paid up to scheduled amounts. 50% of reasonable, necessary and Dental implants Benefit maximum for fillings, crowns, inlays, dentures, fixed bridges, and implants Root canals, gum treatment, and oral surgery Orthodontia (for children under age 19) Contributions through payroll deductions Reasonable, necessary and customary 50% of reasonable, necessary and $2,500 over two consecutive calendar years. 80% of reasonable, necessary and 50% of reasonable, necessary and customary charges, up to a lifetime maximum of $2,500 under both GE Dental Care Options combined. None. 50% of reasonable, necessary and $2,500 annually. 80% of reasonable, necessary and 50% of reasonable, necessary and customary charges, up to a lifetime maximum of $2,500 under both GE Dental Care Options combined. Required. Depending on your GE Dental Care option and the specific dental service you receive, benefits are paid according to a schedule of benefits or are based on reasonable, necessary and customary amounts as determined by the Claims Administrator. *Contribution rates may vary for part-time employees or employees of certain GE affiliate businesses. 5
7 GE Disability Benefits While GE Health Choice pays for the cost of care related to an illness, injury or other serious medical condition, your GE disability benefits provide income when that medical condition prevents you from working. The programs include: GE Salary Continuation Program (SCP) which provides income during short-term or extended illnesses, injuries or other serious medical conditions; GE Long Term Disability Income (LTDI) Plan which continues a percentage of your pay for long-term disabilities; and Workers Compensation which provides income and medical coverage for work-related disabilities. GE Salary Continuation Program The GE Salary Continuation Program (SCP) is designed to continue all or a portion of your pay when a short-term or extended illness, injury or other serious medical condition prevents you from working. Personal Illness Payments You can receive 100% of your pay for up to 20 days in a rolling 12-month period, subject to management approval. Extended Illness Payments You will receive, for up to 26 weeks, the greatest of: 50% of your pay; 60% of your pay up to $750 per week for disabilities beginning on or after January 1, 2012; or Any state-mandated benefit. Your business may approve Extended Illness Payments of 100% of your pay, depending on your performance and/or your length of service. GE Long Term Disability Income Plan The optional GE Long Term Disability Income (LTDI) Plan is designed to provide you with disability income that continues a portion of your pay, depending on your election, when you can no longer work because of an illness, injury or other serious medical condition. You are eligible to enroll in LTDI on your first day of work if you are: A full-time Company employee; or A part-time Company employee who is part of a special classification of employees eligible for LTDI. You can enroll within 63 days after you become eligible and you pay the full cost of coverage through payroll deductions. If you do not make an election to waive or enroll in coverage within 63 days of becoming eligible, you will automatically be enrolled in the 50% coverage option. Workers Compensation Workers Compensation provides medical and income benefits and rehabilitation services if an occupational disease or work-related injury prevents you from working. This legally required coverage is provided by the Company at no cost to you. Benefits vary by state. You must notify your manager if you believe that your illness, injury or other serious medical condition is work-related. Your business will contact the GE Disability Benefits Center, which will then contact you to apply for benefits. 6
8 Retirement Plans Savings and Security Program (S&SP) S&SP is a powerful tool to help you save for your future. Valuable tax benefits and Company Matching Contributions work together with your own savings to help bring you closer to your financial goals. You are eligible to enroll immediately when you join the Company. You choose how to invest your savings and the Company match among various investment options. The plan offers you three different kinds of contributions* pre-tax, Roth and after-tax savings to help you fine-tune your tax and savings strategy. You have access to an education program offered by Fidelity Investments that can assist you in making your S&SP investment elections and other financial decisions. Additional plan features allow you to borrow from your S&SP account through loans, and withdraw money from your S&SP account while you re still working for the Company. * IRS restrictions may apply, including restrictions on the amount that highly compensated individuals may contribute to the S&SP. 7
9 Life & Other Insurance Programs GE s life and accident insurance programs provide your family with financial assistance in case of your death or severe injury. Other Company programs can help your survivors by providing financial counseling, continued health insurance and other benefits and scholarships for surviving children. The Company pays for a basic level of coverage; you have the opportunity to purchase additional coverage at excellent group rates. GE Life Insurance Provides a company paid benefit equal to 21/2 times annual pay to your survivors in case of your death. ($12.5 million maximum, combined for GE Life Insurance and GE Accidental Death or Dismemberment Insurance.) GE Accidental Death or Dismemberment Insurance Provides a company paid benefit equal to 1 times annual pay to your survivors in case of your accidental death, with an additional 1 times annual pay for a work-related injury that results in death ($12.5 million maximum combined for GE Life Insurance and GE Accidental Death or Dismemberment Insurance). Provides company paid coverage in case of accidental dismemberment or loss of sight, speech, and/or hearing. GE Survivor Support Program Provides financial counseling for your surviving spouse or guardian of your minor children in the event of your death. GE Scholarship Program for Surviving Children Provides college scholarships up to $20,000 to eligible children of employees who died after June 20, GE A Plus Life Insurance Provides greater financial security for your family and a valuable opportunity to build long-term, tax-deferred savings. Premium payments are required. Coverage available: 1 to 10 times annual pay in life insurance with a $10 million maximum; and additional value through a cash fund, if the Group Universal Life (GUL) option is elected. The GUL option can be taken into retirement. The Term only option ends at retirement. GE Personal Accident Insurance Provides additional financial protection for you and your family in case of accidental death or dismemberment resulting from accidents that occur at home or at work, during business trips or during vacation travel. Premium payments are required. Coverage available for yourself: 1 to 5 times your annual pay, depending on the benefit option you select ($2 million maximum). Coverage available for your spouse: In multiples of $10,000 ($250,000 maximum). Coverage for each of your children: $2,000 automatically for each $10,000 of spouse coverage you purchase ($50,000 maximum). 8
10 GE Dependent Life Insurance Provides financial protection for you in the event of the death of an eligible family member. Premium payments are required. Eight coverage levels available for your spouse ranging from $5,000 to $100,000. Six coverage levels available for your dependent children ranging from $1,000 to $10,000. GE Long-Term Care Insurance Offers a choice of two coverage options and five benefit options, ranging from $50 to $250 a day to help pay for the high cost of a long-term or chronic illness that prevents individuals from caring for themselves. You can elect to cover nursing home and homecare expenses, or nursing home expenses only. Premium payments are required. Plan is available to you and your eligible family members (spouse, parents and parents-in-law). Premiums are determined by the participant s age at enrollment. Employee and spouse contributions are paid through payroll deduction. The younger you are when you sign up, the lower your cost. GE Personal Excess Liability Insurance Provides extra liability protection beyond the protection provided by your basic auto, homeowner s and other insurance coverage. Premium payments are required. Coverage available: $1 million, $2 million, $3 million, $4 million, $5 million. GE Dependent Day Care Flexible Spending Account (FSA) A GE Dependent Day Care Flexible Spending Account (FSA) can be used to pay for daycare for qualified dependents so that you and if you re married, your spouse can work or attend school full time. You can contribute from $100 to $5,000 each year if you re single. If you re married, you and your spouse together may not contribute more than $5,000 a year to dependent day care FSAs if you file a joint tax return, or $2,500 each if you file separate returns. (Special rules apply if your spouse is disabled or a full-time student or if the IRS considers you to be highly compensated.) The annual amount you elect will be deducted from your paycheck in equal installments during the year. Because your contributions are deducted before federal and in most locations, state and local income taxes are calculated, you ll reduce your current year taxable income. When you incur an eligible expense, simply file a claim for reimbursement and you ll be reimbursed from your account with tax-free dollars. You ll need to carefully estimate how much you want to contribute because federal law requires you to forfeit any money you deposit but don t use during the plan year. 9
11 Work & Family Programs The Company offers a variety of benefits and programs designed to help you balance your work and personal life. These include paid vacation, family care, education programs and adoption assistance. Time Off Options Vacation The number of vacation days you are eligible to take each year depends on when you joined the Company and the length of your continuous service. Holidays The holiday schedule is determined by your business and will be announced each year. Personal Time Off You may be eligible for paid time off to take care of important personal business that cannot be handled outside normal work hours. Management approval is required for personal business time off. In addition, paid time off is available for a death in the family and jury duty; differential pay is available for certain military training or disaster relief duty. 10
12 GE Work/Life Connections GE Work/Life Connections gives you access to professional counselors with a broad range of experience and expertise, as well as valuable information and resources on a variety of topics. Services include: Adoption Assistance Provides financial assistance, counseling and referral services for employees who adopt a child. Parenting Assistance Provides tips on raising your children, addressing learning difficulties, and conflicts with teachers. Child Care Assistance Provides access to child care counselors to help you locate child care in your community. Counseling on Education and Careers Provides assistance to you and/or your children to help select a school, plan for college, and manage your career. Elder Care Assistance Provides counseling and referral services that cover a variety of elder care needs. Legal and Financial Information Services Provides legal and financial information. GE Emergency Aid Family Plan The GE Emergency and Family Aid Plan makes grants available to help employees with immediate financial needs caused by a natural disaster or unexpected personal emergency. Eligibility begins after 30 days of continuous service if you are enrolled in a Companysponsored health plan. 11
13 Other Benefits & Programs The Company offers a variety of benefits and programs designed to help you balance your work and personal life. These include paid vacation, family care, education programs and adoption assistance. Education Benefits The Company offers several tuition assistance and loan programs to help you improve the skills you need to succeed in your job and develop your career. Benefits include tuition reimbursement for courses related to your current or potential field of work at the Company. In case you do not qualify for tuition assistance, educational loans may be available to finance education for you and your eligible family members. Job Loss Benefits Your business may offer benefits to help employees affected by a layoff. Benefit coverage continuation options may be available for health care and life insurance. You may also be eligible for job transition assistance. GE Employee Product Purchase Plan You can receive substantial discounts on a variety of GE and Hotpoint products. Discounts vary by product and model, and apply to items such as refrigerators, clothes washers and dryers, ranges and ovens, dishwashers, air conditioners and the SmartWater water filtration and softening systems. GE Transit and Parking Account Services If you use mass transit or pay for parking in your commute to work, you may be able to save money and effort by using the GE Transit and Parking Account Services or GET-a-PASS. Through GET-a-PASS, you can purchase transit passes or arrange for direct payment of your parking by making your election either online or by phone. Whether you take the train, the bus, or the subway, or if you pay to park your car in a garage, GET-a-PASS can help you save money by paying for your eligible commuting expenses with pre-tax dollars
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Benefits Overview New Hire Orientation Agenda Enrollment, Eligibility & Coverage Effective Dates Medical & Rx Flexible Spending Accounts & Health Savings Accounts Dental Plans Vision Plan Life Insurance
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.
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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.