1 Summary of Benefits for salaried employees January 1, 2014 Wherever you are in your career just starting out or a seasoned professional your benefits represent an important part of your overall compensation. Raytheon is proud to offer a comprehensive, competitive benefits package. In addition to protecting your and your family s health and well-being, we offer important financial benefits and a variety of other benefits to meet your needs. This brochure provides a general overview of the benefits available to eligible Raytheon employees worldwide. We encourage you to become familiar with what our benefits have to offer. Once you do, we re confident you ll understand why you can expect great things from Raytheon.
2 Summary of Benefits for salaried employees Coverage, under the benefits described in this brochure, begins on your date of hire, provided you are regularly scheduled to work at least 20 hours per week. You must enroll within 31 days from receipt of your personalized enrollment material or 31 days from your date of hire, whichever is later. You can enroll yourself and any eligible dependents for coverage. Note that you will need to verify the eligibility of any dependents you choose to cover. Page Benefit 1 Health Care Benefits Mission:Health Medical Coverage Wellness Reward Vision Care Coverage Dental Coverage 2 Health Care Health Care FSA Flexible Spending Accounts Dependent Care FSA Dental and Vision FSA 2 Life & Accident Insurance Basic Life Insurance Optional Life Insurance Dependent Life Insurance Accidental Death & Dismemberment (AD&D) Insurance Business Travel Accident Insurance 3 Disability Benefits Short-Term Disability Long-Term Disability Occupational LTD 3 Investment/Retirement Raytheon Savings and Investment Plan Benefits Retirement Income Savings Program 4 Work/Life Benefits Adoption Assistance Autism Assistance Auto and Home Insurance Back-Up Care Advantage Program Educational Assistance Fidelity Multiple Goal Planning and Retirement Planning Services Flexible Work Arrangements Legal Services LifeResources Matching Gifts Raytheon Discount Program Raytheon Scholars Program Transportation Benefit 5 Time Away From Work Paid Time Off Holidays Death in the Family Leaves of Absence Jury Duty Military Reserve Duty
3 HEALTH CARE BENEFITS Mission:Health From health and wellness benefits to our work/life and financial programs, Mission:Health gives employees the tools and resources they need to manage their own health and wellness. With easy access to services and programs, you and your family can get started or stay on the path to better health. Mission:Health Medical Coverage Wellness Reward Vision Care Coverage Dental Coverage You, your spouse/samesex domestic partner, and eligible dependents can elect Raytheon s health benefits upon your date of hire if you are regularly scheduled to work 20 or more hours per week. In order to cover your spouse/ same-sex domestic partner and dependent children for medical, vision and dental coverage, you must submit the required documentation as proof of eligibility (such as a joint tax return, birth certificate, marriage license, etc.). Note that in states where same-sex marriage is recognized, same-sex domestic partner coverage does not apply. Medical Coverage Raytheon offers medical plan coverage to our U.S. based employees. Coverage options include traditional plans where you pay a set copayment or coinsurance for services, to plans that give you more flexibility in how and when you pay for health care, plus the option to save tax-free dollars for future health care expenses in a health savings account (HSA). Employees on International Assignment are eligible for a medical plan that provides worldwide coverage for all expatriate employees, including domestic coverage for their eligible dependents remaining in the United States. Because your contributions toward the cost of your coverage are made on a pre-tax basis, due to IRS rules you may only change your medical plan election annually, or when you experience a qualified change in status. All of the plans provide coverage for preventive care, at no cost to you. Prescription drugs, doctor s visits, hospitalization, surgery and mental health care are also covered by all of the plans; however, depending on the plan you choose and if you choose to receive in- or out-of-network services, you will either have a copayment or coinsurance for these services, or you will need to first meet a deductible before receiving benefits. Online tools you ll find on Desktop Benefits, our benefit portal, can help you choose the plan that best meets your needs. Wellness Reward The Wellness Reward is an incentive program designed to reward healthy activities. You can earn a $250 Wellness Reward by participating in certain wellness activities. In addition, your spouse/same-sex domestic partner who is enrolled in a Raytheon-sponsored medical plan will have the opportunity to earn his/her own Wellness Reward for a total possible Wellness Reward of $500 per couple! Wellness accounts can be used to pay for a variety of eligible out-of-pocket expenses that health plans do not cover, including copayments, deductibles and coinsurance. Vision Care Coverage If you enroll in a Raytheon-sponsored medical plan, you automatically receive the Basic Vision Plan at the same coverage level you choose for medical coverage. The cost of the Basic Vision Plan is taken on a pre-tax basis. If you need a higher level of vision coverage, you may instead elect the Vision Plus Plan. The amount you pay for this plan is based on the coverage level you choose. If the coverage level you choose is different from your medical plan coverage level, only the dependents you designate will have vision coverage. Dental Coverage Under the dental program, you have the choice of up to three dental options a preferred provider plan with a High Option and Low Option, or you may choose to enroll in a Dental Maintenance Organization (DMO) if a network is available where you live. You have the flexibility to choose the dental option that makes sense for you and your family. If you only have basic dental care needs, such as annual check ups or cleanings, then the Low Option may be sufficient. On the other hand, if you or members of your family need more extensive treatment, including orthodontia, then the High Option or DMO (if available) may better meet your needs. Both allow you to select the coverage level that makes sense for the kind of dental expenses you and your family members expect to incur. You share in the cost of the medical plan, the Basic Vision plan, the Vision Plus plan, and the High Option Dental plan and DMO, through pre-tax payroll deductions. There is no cost to cover you and your family for the Low Option dental plan. 1
4 HEALTH CARE FLEXIBLE SPENDING ACCOUNTS (FSA) Health Care FSA A Health Care FSA helps you pay for eligible health care expenses such as deductibles, copayments, and services that your or your spouse s medical, dental, and vision care plans do not cover or cover only in part. Through payroll deduction, you may set aside on a pre-tax basis up to $2,500 per year in a Health Care FSA. Health Care FSA Dependent Care FSA Dental and Vision FSA You are eligible to enroll in these accounts upon your date of hire provided you are regularly scheduled to work at least 20 hours per week. Once you enroll in a Health Care FSA, you will receive a Spending Account Card you can use at participating providers (such as doctor s offices or pharmacies). When you use your card, the amount of your transaction will automatically be debited from your account. Dependent Care FSA A Dependent Care FSA helps you pay for eligible dependent care expenses using pre-tax dollars. Examples of eligible expenses include most forms of child care up to the age of 13, as well as certain forms of adult care necessary in order for you and your spouse, if married, to work or go to school full time. Through payroll deduction, you may set aside on a pre-tax basis up to $5,000 per year if single and $2,500 if married and filing separate returns. Dental and Vision FSA Federal regulations prohibit health savings account (HSA) participants from having any other coverage for medical expenses, including health care FSAs. However, because dental and vision expenses can also be reimbursed through an FSA, if you elect to participate in an HSA Advantage plan, you may also enroll in the dental and vision FSA. The dental and vision FSA works just like the health care FSA, with the same maximum contribution of $2,500, except only dental and vision expenses are eligible for reimbursement medical expenses are not. You set aside money from your paycheck through regular payroll deduction before federal and, in most cases, state or local taxes are withheld. This money goes into your account(s) and is used to reimburse expenses tax-free per IRS regulations. If you do not use all of the money in your account(s) each year you forfeit the unused funds. LIFE & ACCIDENT INSURANCE Basic Life Insurance Optional Life Insurance Dependent Life Insurance Accidental Death & Dismemberment Business Travel Accident Insurance You are eligible to enroll in these plans upon your date of hire provided you are regularly scheduled to work at least 20 hours per week. Basic Life Insurance Raytheon provides basic life insurance at one times your annual base pay. Optional Life Insurance You can buy additional life insurance in coverage amounts from one time up to eight times your annual base pay, rounded to the next higher $1,000. Your coverage amounts and costs are adjusted automatically when you experience a change in your annual base pay or age category (generally each five years). Dependent Life Insurance In addition to life insurance coverage for you, there are a variety of life insurance options for your spouse/same-sex domestic partner and dependent children. These plans can help provide additional financial security in a time of need. You may elect this coverage even if you do not elect optional life insurance coverage for yourself. Accidental Death & Dismemberment (AD&D) Insurance You can purchase coverage of one to five times your annual base pay. If you choose optional AD&D insurance for your family and/or same-sex domestic partner, your dependents coverage will be a percentage of the amount you choose for yourself. Business Travel Accident Insurance Your company-paid Business Travel Accident insurance plan provides you with accidental death and dismemberment coverage for injuries caused by a covered accident while you travel on company business. Your benefit amount, depending on the covered injury, will be up to four times your annual base pay, subject to a $5,000,000 maximum in the event of a covered injury. Your coverage includes the AIG Benefits Travel Assist SM, which provides Identity Theft Protection and Concierge Services, available whether you re traveling or at home. Raytheon pays the cost of your basic life, and Business Travel Accident insurance. You pay the cost for any optional life and dependent life insurance coverage you elect, through after-tax payroll deduction. You pay the cost for any AD&D coverage you elect, through pre-tax payroll deduction. 2
5 Short-Term Disability Long-Term Disability Occupational LTD You must be actively at work and regularly scheduled to work at least 20 hours per week for your disability benefits to be in effect (otherwise they go into effect on the first day you return to work). Pre-existing condition exclusions may apply. DISABILITY BENEFITS Short-Term Disability (STD) You are automatically enrolled, at no cost, in the basic Short-Term Disability Plan and may receive benefits if you are absent from work due to a non work-related disability caused by an illness, injury, or pregnancy for six consecutive week days or more. After a waiting period (five business days), the insurer pays 75% of your base pay for up to 10 consecutive weeks of your approved disability, which includes the unpaid, five-weekday waiting period. STD Plus Coverage You can elect to supplement the company-provided coverage by purchasing optional STD Plus coverage equal to an additional 25% of your base pay completely tax-free for up to 10 consecutive weeks of your approved disability which includes the unpaid, five-weekday waiting period. If you are disabled, the plan will then provide up to 100% of your pre-injury/illness base pay for up to 10 weeks. Long-Term Disability (LTD) Long-Term Disability coverage is optional. It provides income replacement when a non-work related illness or injury keeps you out of work for more than 10 consecutive weeks. Benefits generally continue for as long as you are disabled or until you reach age 65. You may choose to receive either 50% or 60% of your basic monthly earnings, up to a maximum monthly benefit payment. (Benefits will generally be reduced by other income you receive.) LTD benefits will begin when your STD benefits are exhausted, provided you remain disabled. If you do not elect this benefit and are disabled for more than 10 consecutive weeks, your income replacement will end. Occupational LTD The Occupational LTD plan supplements state workers compensation benefits you receive if you are unable to work due to a work-related illness or injury, if those benefits are reduced due to state benefit limits. To receive a benefit from the occupational LTD plan, you must have an annual salary that will allow you to qualify for plan benefits. To be eligible to elect coverage, you must be enrolled in the LTD plan, and have an annual salary that allows you to qualify for plan benefits. Raytheon pays the full cost of your basic STD benefit. You pay for the cost of STD Plus, LTD and Occupational LTD coverage through after-tax payroll deduction, so any of those benefits you receive are considered non-taxable income. INVESTMENT/RETIREMENT BENEFITS Raytheon Savings and Investment Plan (RAYSIP) The Raytheon Savings and Investment Plan (RAYSIP) is a 401(k) savings plan that allows employees to save up to 50% of their pay on a before-tax, after-tax or Roth 401(k) basis (subject to federal limits). Raytheon matches 100% of employees contributions up to the first 3% of eligible compensation they save for the first five years. After five years, Raytheon matches an additional 1%, for a total contribution of 4%. You are immediately 100% vested in the company match. Company-matching contributions are invested in the same options employees elect for their contributions. Raytheon Savings and Investment Plan Retirement Income Savings Program You are immediately eligible to participate and may enroll in RAYSIP as soon as administratively possible. You will automatically participate in RISP after completing one year of service. The plan offers a wide spectrum of investment options and access to Fidelity s BrokerageLink, with thousands of investment options. RAYSIP accepts rollover contributions from other qualified plans such as from a former employer s plan, and offers a Roth 401(k). Retirement Income Savings Program (RISP) The Retirement Income Savings Program (RISP) is a feature of the Raytheon Savings and Investment Plan (RAYSIP). After one year of service, RISP provides a company contribution for employees, from 2.5 7%, based on the employee s age and service. The contribution goes into the employee s RAYSIP account, and can be invested by the employee in any of the RAYSIP investment options. Employees gain rights to this benefit (become vested) once they have successfully completed three years of service with the company (this includes the one-year waiting period). Raytheon contributes to both RAYSIP and RISP, for eligible employees. Professional Account Management and Online Advice through Financial Engines Financial Engines, an independent investment advisor, can assess where you stand today and help you develop a personalized savings and investment plan. With Professional Account Management, they create and implement a customized investment strategy for you and regularly monitor and manage your account. Online Advice provides personalized recommendations for your account. It is up to you, however, to implement any recommendations you receive. No additional cost for Online Advice. For Professional Account Management, the cost is $3.75 a month per $10,000 in your RAYSIP account, with discounts for higher balances. 3
6 Adoption Assistance Autism Assistance Auto and Home Insurance Back-Up Care Advantage Program Educational Assistance Fidelity Multiple Goal Planning and Retirement Planning Services Flexible Work Arrangements Legal Services LifeResources Matching Gifts Raytheon Discount Program Raytheon Scholars Program Transportation Benefit These benefits are available to you and your dependents starting on your first day of work, provided you are regularly scheduled to work at least 20 hours per week. WORK/LIFE BENEFITS Adoption Assistance You can receive up to a maximum of $6,000 in adoption assistance benefits for each finalized adoption. This amount could be a taxable benefit depending upon financial guidelines as established by the federal government. The program is designed to offset your out-of-pocket costs, including legal expenses, travel, agency fees, and certain medical expenses. Autism Assistance All Raytheon employees and their families have access, through LifeResources, to clinically licensed, professional autism advocates. Advocates can help individuals diagnosed with autism and their families by providing autism education and support. For more information, call LifeResources at Auto and Home Insurance The Group Auto and Home Insurance Program offers access to insurance coverage from three national insurance carriers Liberty Mutual, MetLife Auto & Home, and Travelers. You can apply for insurance at group rates or discounts and have the option of paying your premiums through convenient payroll deduction. For information, call Liberty Mutual, ; MetLife Auto & Home, ; Travelers, Back-Up Care Advantage Program Administered by Bright Horizons, The Back-Up Care Advantage Program makes it easier to balance the competing demands of work and life by providing temporary child and adult back-up care when regular care is not available. Back-up care is designed to provide care when you need to be at work. You can use this service for planned needs like school vacations or for last minute emergencies, and for in-home mildly ill child care. The company subsidizes a portion of the cost of Back-Up Care Advantage services. Copayments apply for both center-based and in-home care, as well as imputed income (as applicable). Educational Assistance Raytheon currently reimburses tuition and selected fees for approved courses or degree programs. Courses must be approved in advance and successfully completed with a minimum grade of C for undergraduate, B for graduate, or pass for a pass/fail course. Fidelity Multiple Goal Planning and Retirement Planning Services These services are designed to help you allocate your financial assets to align with more than one long-term goal, such as saving for retirement, paying for college, building an emergency fund or planning to buy a home. And, as you approach retirement, you can take advantage of one-on-one consultations with a retirement specialist. Fidelity offers a comprehensive approach to retirement planning, including investing your savings and preparing to manage your expenses once you stop working. Flexible Work Arrangements Raytheon offers a number of flexible work arrangements, to meet employees needs, within business requirements. Decisions on flexible work arrangements are made on a business by business basis. Legal Services Hyatt Legal Plans offers you and your qualified dependents access to a nationwide network of attorneys who can help with a variety of legal-related matters, from estate planning and real estate to family law and traffic offenses. Premiums are paid through convenient payroll deductions. Hyatt Legal Plans also offers a number of other benefits, including: toll-free access to help on personal, federal tax matters, unlimited access to the online personal Law Center; assistance with complex wills, small-claims court representation, consumer protection, a maximum contingent-fee benefit for personal injury and other matters, and four (free) hours of additional attorney office work each year. LifeResources The LifeResources Program is Raytheon s integrated employee assistance (EAP) and work/life resource and referral program. LifeResources provides employees and their household members with free, confidential resources and expertise to help them deal with everything from the demands of everyday life to major life events. LifeResources helps employees with a wide range of personal and work-related issues, including: balancing job responsibilities with personal obligations, finding a good day care center, dealing with financial problems, help handling anxiety or a substance abuse problem, elder care issues, legal questions, financial advice, autism assistance, personal coaching, or even finding an electrician or plumber. LifeResources counselors are available by phone or via the Internet, 24 hours a day, seven days a week. There s never any out-of-pocket cost for using LifeResources. For a personal or work-related problem requiring one-on-one counseling, the LifeResources EAP benefit includes up to eight counseling sessions per problem per year. 4
7 WORK/LIFE BENEFITS, CONT. Matching Gifts Raytheon matches your contribution of $25 or more to any qualified college, university, and schools with programs covering grades K 12, degree-granting technical institutes, as well as graduate and professional schools. Matches are limited to $5,000 per employee, per calendar year, based on a first come, first served basis within the company s allotted budget. Raytheon Discount Program Take advantage of a variety of discounts on clothing, travel, entertainment, gifts, and much more by logging on from home or work to Raytheon Scholars Program Provides cash awards to deserving students who are eligible children of Raytheon employees. Awards may be used for costs associated with undergraduate programs, including tuition, room and board, and books. Transportation Benefit Offered to employees in many states, this program provides savings on commuting expenses through pre-tax payroll deduction. Only Raytheon commuting expenses are eligible, including mass-transit costs, vanpool expenses, and parking. To find out if your state qualifies, call Wage Works: Raytheon pays the full cost of these benefits, unless otherwise indicated. TIME AWAY FROM WORK Paid Time Off (PTO) You earn paid time o ff according to your length of service during the calendar year, as shown in the chart below. Newly hired employees are advanced a prorated number of days, based on their hire date. Paid Time Off (PTO) Holidays Death in the Family Leaves of Absence Jury Duty Military Reserve Duty On your first day of work, you are eligible to begin earning PTO days and you are eligible for all regular holidays. Years of Service PTO Days Advanced on January 1 PTO Days Calculated into hours Less than or more Holidays Raytheon provides 12 holidays per year, including those that are commonly observed: New Year s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving and the day after Thanksgiving, and six year-end holidays. Other holidays may vary by state and location. Death in the Family You may be paid for up to three days of absence due to the death of an immediate family member. Leaves of Absence Raytheon offers several types of leaves of absence, including medical, military, personal, and family leaves. Raytheon conforms with the Family Medical Leave Act (FMLA). Jury Duty If you are required to serve jury duty, Raytheon continues your regular pay up to 10 days when you are required to be in court. Military Reserve Duty If orders are submitted, Raytheon will pay the difference between your regular pay and any military pay you may receive, up to two weeks each federal government fiscal year. Raytheon pays the cost of all paid time away from work, if appropriate. Important: This summary provides a brief description of the Raytheon benefit plans. Although Raytheon intends to continue these plans, the company retains the right to change or discontinue any of the benefit plans described in this summary. More detailed information about the plans is included in the summary plan descriptions (SPDs), plan documents, and policies. In case of discrepancies between this brochure and the SPDs and the plan documents or policies, the SPDs and plan documents or policies will govern. The information in this summary is not intended to create an employment contract between Raytheon and an individual. 5
8 Copyright Raytheon Company All rights reserved. AME Nov. 2013
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BENEFITS AT A GLANCE 2013 Your 2013 Benefits -- At a Glance Benefits Cafeteria Plan Cafeteria Plan Funding with Base Plan provides $750 ($62.50/month). Cafeteria Plan Funding with Accelerated Plan provides
Employee Benefits 2014 An Overview of Your Benefits Program Medical 1 Pharmacy 4 Dental 4 Flexible Spending Accounts 6 Life Insurance 7 Disability 8 Additional Benefits 9 Vacation, Personal, Holiday and
Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions What is the Blue Shield of California CDHP with HSA? The Blue Shield of California
2015 BENEFITS There are important decisions to make. Look inside to learn more. 1 Welcome to Enable Midstream! This is an exciting time to work at Enable Midstream. We are so glad you are part of our team.
NEW HIRE BENEFITS & SERVICES OVERVIEW Coverage for you and your family U. S. R O C H E B E N E F I T S P R O G R A M Roche, the world s largest biotech company, is a global market leader for in vitro diagnostics,
Flex FAQs Disability Insurance 1. What is the difference between basic and supplemental disability insurance? Basic disability insurance is provided at no cost to all City employees who are eligible for
MONTANA TECH EMPLOYEE BENEFITS The following is a summary explanation of the payroll deductions and fringe benefits provided to eligible employees of Montana Tech. A. REQUIRED DEDUCTIONS 1. F.I.C.A. (SOCIAL
Summary of Benefits 2015 Total Rewards at Idaho Power! At Idaho Power, we strive to provide a total rewards package that is balanced, competitive and sustainable. Our goal is to attract and retain high-quality
BENEFITS HIGHLIGHTS F E D E R A L R E S E RV E B A N K S B E N E F I T S Table of Contents WHAT ARE THE EMPLOYEE BENEFITS AT THE FEDERAL RESERVE BANKS?....2 RETIREMENT BENEFITS....3 Thrift Plan (401(k)
FULL-TIME FACULTY BENEFITS OVERVIEW 2014-15 This document is designed to provide a brief overview of the benefits offered to full-time faculty members at Augustana College. Full-time faculty teach 21 or
RIVERSIDE TRANSIT AGENCY FULL-TIME ADMINISTRATIVE EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 Riverside Transit Agency (RTA) is extremely proud of the package of benefits available to you. The benefits
Quality health plans & beneﬁts Healthier living Financial well-being Intelligent solutions and Beneﬁts and Rates-At-a-Glance For Regular U.S. Employees Please scroll down for information Aetna Benefits
YOUR BENEFITS 2015 Annual Enrollment Guide Enrollment Period October 22 November 4 Inside This Guide Key Dates October 22 November 4, 2014 Annual Enrollment period Changes for 2015...3 What You Need to
Employee Benefits Health & Wellness VHB recognizes that health and wellness are important to employees. We offer high quality, affordable medical, dental and vision insurance. Resources such as the VHBWell
2014 2014 2014 2014 Benefits Plan Highlights 2014 Table of Contents Core Benefits... 3 Life Insurance... 3 Accidental Death & Dismemberment (AD&D) Insurance... 3 Short- Term Disability Coverage... 3 Long
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