Hyatt Legal Plans & EyeMed Vision Care

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1 Hyatt Legal Plans & EyeMed Vision Care Voluntary benefits programs for Alcatel-Lucent management employees and their families and Radio Frequency Systems employees and their families What s Inside: What s Changing Added Benefits Website Information Hyatt Legal Plans EyeMed Vision Care 2014 Voluntary Benefits Open Enrollment Period: September 23 October 18, 2013

2 Welcome Welcome to Your Voluntary Benefits Open Enrollment It s time to enroll in your voluntary benefits. Enrollment for your voluntary benefits begins at 9:00 a.m. Eastern Time (ET), September 23, 2013, and ends at 5:00 p.m. ET, October 18, You will be able to enroll, disenroll, or make changes to your Hyatt Legal Plans and EyeMed Vision Care for 2014 during these dates only. Payments for voluntary benefits are made through convenient post-tax payroll deductions, which are broken out evenly over your 2014 payroll cycle. Please note, at 5:00 p.m. ET, October 18, 2013, the open enrollment period for voluntary benefits will end, after which you will not be able to enroll in coverage for legal or vision services, change your coverage level, or cancel coverage for 2014 unless you experience a qualified status change. What s Changing EyeMed Vision Care Rates Are Increasing Effective January 1, 2014, there will be a slight increase in the EyeMed Vision Care rates. Please see the chart on page 7 for the new rates Voluntary Benefits Open Enrollment Period Special Online-Only Enrollment Period: September 23, 2013 October 6, 2013 This year, you will have an opportunity to make your elections at beginning Monday, September 23, 2013, at 9:00 a.m. Eastern Time (ET), through Sunday, October 6, During this time, you may view your 2014 coverage and costs, and enroll or make changes to your 2014 coverage online only using the Added Benefits website. Enrollment Period (by phone and online): October 7, 2013 October 18, 2013 You may enroll in and/or change your 2014 Voluntary Benefits coverage elections online at or by calling Added Benefits at starting on Monday, October 7, 2013, at 9:00 a.m. ET, through Friday, October 18, 2013, at 5:00 p.m. ET. Be sure to take action before Friday, October 18, 2013, at 5:00 p.m. ET. Late enrollments will not be accepted. NOTE: You will not be able to call Added Benefits to enroll or make changes to your 2014 coverage, or to ask questions about your 2014 plan options and pricing, until Monday, October 7, 2013, at 9:00 a.m. ET

3 Added Benefits Website Welcome Screen: New users will need to set up an account. Log In: Existing account holders, please log in with your HR ID and password. If you cannot remember your password, you may retrieve it here. Accessing Your Added Benefits Online 1 Type into the address bar of your Internet browser. 2 Log in: Existing account holders, please log in with your HR ID and password. 3 New users: You can set up an account by clicking on the Create Account button and following the steps. 4 Password retrieval: Can t remember your password? Click on Retrieve Password and follow the steps

4 Hyatt Legal Hyatt Legal If you are already enrolled in this program, your election will automatically renew. If you wish to cancel your Hyatt Legal coverage, you must visit during the Open Enrollment period to cancel your enrollment. With the Hyatt Legal Plans, for an affordable price, you and your family will have access to professional legal representation for specific covered services whenever you may need them. Consider the following: If you owe money, would you like harassing calls from bill collectors stopped? Your plan attorney can help enforce your rights. Have you ever had problems with a landlord? Having an attorney on your side can help protect your rights. We cannot predict the future, but we can help you prepare for it. Read on to see if you should take part in this plan. For 2014, the monthly rate is just $ No claim forms All in-network covered services are paid in full Convenient post-tax payroll deduction of the monthly premium Out-of-network covered services are also available If you were in a coma, would your family or doctor know your wishes regarding medical care? A living will makes your wishes known

5 Hyatt Legal In-Network All attorney fees for covered services are paid in full there are over 12,000 in-network attorneys to choose from. You ll pay no deductibles or copayments, and there are no claim forms. Out-of-Network You may choose a non-plan attorney and be reimbursed for covered services according to a set fee schedule. You will be responsible for paying the difference, if any, between the plan s payment and the non-plan attorney s charge for services. Covered services include: Office Consultation and Telephone Advice Consumer Protection Matters - Small Claims Assistance - Personal Property Protection Debt Matters - Debt Collection Defense - Identity Theft Defense - Personal Bankruptcy or Wage Earner Plan - Tax Audits Defense in Civil Lawsuits - Administrative Hearing Representation - Civil Litigation Defense - Incompetency Defense Document Preparation - Affidavits - Deeds - Demand Letters - Document Review - Mortgages - Notes Elder Law Matters Family Law - Name Change - Premarital Agreement - Protection from Domestic Violence - Contested or Uncontested Adoption - Uncontested Guardianship or Conservatorship Immigration Assistance Real Estate Matters - Boundary or Title Disputes (Primary Residence) - Eviction and Tenant Problems (Primary Residence Tenant Only) - Home Equity Loans (Primary Residence) - Property Tax Assessment (Primary Residence) - Refinancing of Home (Primary Residence) - Sale or Purchase of Home (Primary Residence) - Zoning Applications Traffic and Criminal Matters - Juvenile Court Defense - Restoration of Driving Privileges - Traffic Ticket Defense (No DUI) Will and Estate Matters - Living Trusts - Living Wills - Powers of Attorney - Probate (10% Network Discount) - Wills and Codicils Exclusions Excluded services are those legal services that are not provided under the plan. No services, not even a consultation, can be provided for the following matters: Employment-related matters, including company or statutory benefits Matters involving the company, MetLife and affiliates, and Plan Attorneys Matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents Appeals and class actions Farm and business matters, including rental issues when the Participant is the landlord Patent, trademark and copyright matters Costs or fines Frivolous or unethical matters Matters for which an attorney-client relationship exists prior to the Participant becoming eligible for plan benefits Personal Injury (25% Network Maximum) Personal Property Protection

6 Hyatt Legal YOUR COVERAGE CAN BE EXTENDED TO PARENTS In an effort to better serve you and your family, the Hyatt Family Matters Plan allows you to extend the benefits of Hyatt Legal to your/your spouse s parents. Now the benefit of a nationwide network of over 12,000 attorneys providing personal legal counsel is available to more of your family. Covered Services The Family Matters Plan covers telephone advice and office consultation for personal legal matters and the preparation of the following legal documents: Wills, including Testamentary Trusts Living Wills Powers of Attorney Deeds To enroll, go to download the appropriate form, pay the upfront premium and your parents will have access to Hyatt Legal

7 EyeMed Vision Care EyeMed Vision Care If you are already enrolled in this program, your election will automatically renew. If you wish to cancel your EyeMed Vision Care coverage, you must visit during the Open Enrollment period to cancel your enrollment. Effective January 1, 2014, there will be a slight increase in the vision care rates. Please refer to the chart on page 7 for the 2014 rates. As a reminder, routine vision care is not part of your medical coverage. You can choose to enroll in the EyeMed Vision Care program available to you and your eligible dependents. There are two options for you to choose from: > STANDARD PLAN > ENHANCED PLAN Both plans provide you with vision care and prescription eyewear through a vast network that includes independent providers as well as retail locations, such as Sears Optical, Pearle Vision, Target Optical, LensCrafters, and JCPenney Optical. ID cards will be mailed to new participants in January. If you are continuing your coverage from last year, you will not receive a new ID card. Print Your ID Card for Safekeeping You are able to print your ID cards if you choose to do so. Please visit Member/Patient Services: SELECT PLAN A ABC COMPANY SUSAN SAMPLE Group #: Effective: 07/01/2008 Underwritten by Fidelity Security Life Insurance Company Value Added Features Members will receive a 20% discount on items not covered by the plan at in-network providers, which may not be combined with any other discounts or promotional offers. The discount does not apply to EyeMed providers professional services or contact lenses. Retail prices may vary by location. At an in-network provider, once the funded benefit has been used, members also receive a 40% discount on the purchase of a second complete pair of eyeglasses and a 15% discount on conventional contact lenses. Members also receive 15% off the retail price, or 5% off the promotional price, for Lasik or PRK from the U.S. Laser Network, owned and operated by LCA-Vision. IMPORTANT: Personalized ID cards are printed with the employee s name only; eligible covered dependents should use the card for identification purposes. Member ID will be the employee s HR ID. Now Offering Retinal Imaging Catch degenerative eye conditions early with retinal imaging. Retinal Images are obtained quickly and easily and give your eye care specialist the ability to monitor your eyes through the years. Early detection and treatment of eye conditions are crucial for your eye health

8 EyeMed Vision Care Why vision care coverage? Regular eye exams are important to the overall health of your family. A comprehensive eye exam can be the first indicator of health concerns, such as diabetes, high blood pressure, and glaucoma. Your vision plan offers coverage for eye exams, lenses, frames, and contact lenses. This valuable coverage is available to you and your eligible dependents. How do I locate a provider? Visit and select Benefit Providers under Vision Care to locate a provider in your area. How do I know what is covered under my vision care coverage vs. my medical plan? Your EyeMed benefit provides coverage for routine eye care only. If you have a condition that requires treatment with medication or possible surgery, these may be handled by your physician through your medical plan. Here is a list of the most common conditions of the eye that may be covered under your medical plan: Cataracts Glaucoma Conjunctivitis Diabetic Retinopathy Macular Degeneration Ocular Hypertension Retinal Detachment Retinitis Pigmentosa Strabismus Uveitis What if I decide to see a non-participating provider? If you choose to use a non-participating provider, you will be required to pay in full at the time of service and obtain itemized receipts. A copy of your receipts and a completed claim form should be submitted to EyeMed for reimbursement. You will be reimbursed up to the amounts listed on your schedule of benefits. Claim forms can be found at What does a routine eye exam entail? EyeMed Vision Care s panel of optometrists and ophthalmologists conduct comprehensive eye examinations to diagnose or detect existing conditions of the eye and vision system. The tests and procedures performed may vary by patient because of age or specific conditions, but typically include an assessment, diagnosis, and treatment plan. Visit for more detailed information. Please refer to the chart on the next page for a summary of benefits. EyeMed Vision Care monthly premiums are paid through convenient post-tax payroll deductions. We ve Gone Mobile Download our new EyeMed app and easily access your account any time from anywhere

9 EyeMed Vision Care Exams EyeMed Vision Standard Plan Enhanced Plan* In-Network (member cost) Once per calendar year, covered in full Out-of-Network (maximum reimbursement) In-Network (member cost) $40 Once per calendar year, covered in full Retinal Imaging Up to $39 Up to $39 Standard Plastic Lenses Once per calendar year, covered in full Once per calendar year, covered in full Out-of-Network (maximum reimbursement) Single Vision $0 copay $40 $0 copay $40 Bifocal $0 copay $75 $0 copay $75 Trifocal $0 copay $100 $0 copay $100 Lens Options (per pair of glasses) UV Coating $15 copay Not covered $15 copay Not covered Tint (solid and gradient) $15 copay Not covered $15 copay Not covered Scratch Resistance $15 copay Not covered $15 copay Not covered Polycarbonate $40 copay Not covered $40 copay Not covered Anti-Reflective Coating $45 copay Not covered $45 copay Not covered Standard Progressive $65 copay $75 $65 copay $75 Premium Progressive $65 copay, 80% of charge, less $120 allowance $75 $65 copay, 80% of charge, less $120 allowance Other Add-Ons/Services 20% off retail Not covered 20% off retail Not covered Frames Once per year, $120 allowance toward retail value, 20% off balance over $120 Contact Lenses (in lieu of lenses, allowance covers materials only) Conventional $100 allowance, 15% off balance over $100 Disposable $100 allowance, member cost is balance over $100 $50 Once per year, $130 allowance toward retail value, 20% off balance over $130 Once per calendar year $75 Once per calendar year $75 $75 $120 allowance, 15% off balance over $120 $75 $120 allowance, member cost is balance over $120 Medically Necessary $0 copay, covered in full $75 $0 copay, covered in full $75 Contact Lens Fit & Follow-Up Visits Available once a comprehensive eye exam has been completed Not covered Available once a comprehensive eye exam has been completed Standard Contact Lens Up to $40 Not covered Covered in full for first $40 and 2 follow-up visits Premium Contact Lens 10% off retail Not covered 10% off retail, then apply $40 allowance $40 Monthly Cost Employee $10.58 Employee + 1 $21.17 Family $29.11 Employee $12.20 Employee + 1 $24.42 Family $33.58 $40 $75 $60 $75 $75 *In-Network differences between the Standard and Enhanced Plans are highlighted in yellow. Benefits described above are for one-time use per calendar year; benefit allowances provide no remaining balance for future uses within the same calendar year

10 Added Benefits For more information on these and other programs, visit or call Select Option 1 for Active Employees At next prompt: Select Option 1 for Questions on Enrollment Select Option 2 for Auto and Home Insurance Select Option 3 for a Hyatt Legal Rep Select Option 4 for an EyeMed Vision Care Rep Select Option 5 for a LifeLock Identity Theft Protection Rep DON T FORGET ABOUT: The Group Auto & Home Program Provides you with access to: Competitive quotes from three leading national carriers MetLife Auto & Home, Liberty Mutual, and Travelers Group rates and possible money-saving discounts Easy comparison shopping Multi-policy discounts LifeLock Identity Theft Protection Added Benefits has partnered with LifeLock to provide employees with identity theft protection and resolution services at discounted monthly rates. The experts at LifeLock provide monitoring services 24 hours a day, 7 days a week to safeguard your personal information both online and off, helping to protect you from identity theft before it happens. Remember, you can apply for auto and home coverage and enroll in LifeLock at any time during the year!

11 Added Benefits REMEMBER: These voluntary programs are separate from your health and welfare benefits coverage. For information on your health and welfare benefits coverage, such as enrollment dates, etc., please contact: Alcatel-Lucent management employees (not including Radio Frequency Systems) visit the Your Benefits Resources website at Radio Frequency Systems employees should visit For your convenience, Alcatel-Lucent has arranged for payroll deductions for coverage(s) that you may elect under this program. However, it should be noted that Alcatel-Lucent does not sponsor or endorse this coverage. This program does not apply to U.S. employees covered by the terms of a collective bargaining agreement or employees of subsidiaries or joint ventures who maintain their own voluntary benefits programs

12 99 Park Avenue, 25th Floor New York, NY PRESORTED First-Class Mail U.S. POSTAGE PAID Buffalo, NY Permit No. 2 VOLUNTARY BENEFITS PROGRAMS FOR ALCATEL-LUCENT MANAGEMENT EMPLOYEES AND THEIR FAMILIES AND RADIO FREQUENCY SYSTEMS EMPLOYEES AND THEIR FAMILIES Hyatt Legal Plans & EyeMed Vision Care ENROLLMENT INFORMATION FOR 2014 AME262

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