2015 Compass Group Benefits Program. for Salaried Associates

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1 2015 Compass Group Benefits Program for Salaried Associates

2 Eligibility Benefits Eligibility for Salaried Associates Who is eligible? Full-time exempt and non-exempt salaried associates who work 30 hours or more per week are classified as full-time in the SAP Payroll system. Associates are eligible on the first day of the month following one (1) month of service. For example: Date of hire 2/23/2015 Eligible 4/01/2015 Note: Hourly associates are eligible on the first day of the month following two (2) months of service after the completion of the company s one month orientation period. Part-time associates are eligible for a separate program, which is covered later in this presentation. Enrollment information will be mailed to the associate s home address. Keep in mind, benefits end as of midnight on your last day of work. 1

3 Eligibility Eligible Dependents Eligible dependents include: > Lawful spouse. > Domestic partner (must be same-gender) who has been living with the associate for at least six (6) months as long as both partners are not legally married to any other person. Additional eligibility requirements apply. > Children, including stepchildren and children of a domestic partner to the end of the month in which he/she becomes age 26. > Unmarried children, age 26 or older, who are mentally or physically unable to care for themselves, but only if the disability arose at a time when the child could have been covered as a dependent under Compass Group s plans. Same-sex couples legally married anywhere in the US or abroad are considered married for federal tax purposes, regardless of where the couple lives. Because of this, associates with a same-sex spouse are not obligated to pay imputed income or after-tax deductions under the Compass Group Benefits Program. 2

4 Eligibility Dependent Verification Requirements Compass Group requires associates to submit documentation proving the relationship of all dependent(s) covered under a Compass Group medical, dental and/or vision plan. If you add a dependent to your coverage whose relationship needs to be verified, you will receive a letter from ADP - Dependent Verification Services (DVS) requesting relationship verification. The letter will provide details regarding acceptable documentation, deadlines, etc. If the guidelines listed in the letter are not followed, your dependent(s) will be removed from all coverage. And, your dependent(s) cannot be reenrolled until the next Annual Enrollment unless you have a qualified employment or legal family status change, and the Benefits Department receives the appropriate status change form and documentation by the deadline. Also, disabled dependent children, age 26 and over, must provide physician verification of disability at the time of enrollment and then each year. 3

5 Eligibility Spousal/domestic partner coverage As you know, you and Compass Group share in the cost of medical claims. The more people we cover under our plans, the higher the cost for everyone. Because of this additional expense and risk, many employers are eliminating the coverage for spouses and domestic partners who have coverage through their own employer. While Compass Group is not eliminating this coverage, if you would like to cover your spouse or domestic partner under a Compass Group medical plan and he or she works for an employer who offers medical coverage, you will pay an additional fee. 4

6 Eligibility Benefit Credits Benefit credits are credit dollars that Compass Group provides to all eligible salaried exempt and salaried non-exempt associates. The example below is based on a salaried associate hired on 8/15/12 with a salary of $32,000 a year. Salary Credit 1% of Annual Benefit Base Salary up to $1,000 credit per year Service Credit $40 for each full year of service up to a $600 credit per year LTD Credit credit for the full cost of basic LTD insurance (50% of Base Pay) $32,000 x 1% = $320 Date of Hire 8/15/12 has two (2) full years of service as of 1/1/15 2 x $40 = $80 $32,000 / $100 = $320 $320 x $0.21 = $67.20 Annual Benefit Credit: $ $ $67.20 = $ Bi-weekly associates will divide the annual total by 26 to see the amount available per paycheck. Credits can only be used to offset benefit costs credits cannot be paid out as additional income or used for Flexible Spending Accounts (FSAs). 5

7 Benefit Options > Medical > Dental > Vision > Flexible Spending Accounts (FSAs) > Commuter Benefits > Wellness Program > Life Insurance for Associates and Eligible Dependents > Short Term Disability (STD) and Long Term Disability (LTD) > Accidental Death & Dismemberment (AD&D) Insurance > Discount Marketplace > Voluntary Benefits 6

8 Medical Different Plan Designs Offered In Most Locations BRONZE PLUS PLAN This plan meets the federal definition of affordability and requires the lowest payroll deductions of all the medical plans SILVER PLUS PLAN This is our mid-level plan the payroll deductions for this plan are the most modest of all the medical plans GOLD PLUS PLAN This plan provides the most comprehensive coverage and benefits levels of all the medical plan options and has the highest payroll deduction OUT-OF-AREA PLANS Out-of-Area Bronze Plus, Silver Plus and Gold Plus Plans are offered in areas where no networks are available participants can go to any doctor or facility 7

9 Medical National Medical Carriers Compass Group selects the best regional networks from our national contracts with: > Medical carriers are offered by state with at least one carrier offered as Best in Market. This approach provides associates access to medical carriers with the broadest network discounts. > The Bronze Plus, Silver Plus and Gold Plus Plans include a choice of two carriers in each plan. In some areas, Regional HMOs will be offered. > In areas where no networks are available, the plans offered include the Bronze Plus, Silver Plus and Gold Plus Out of Area Plans. 8

10 Medical Bronze Plus Plan Plan administered by National Carriers per home zip code / Prescription drugs administered by CVS Caremark IN-NETWORK OUT-OF-NETWORK Calendar Year Deductible $3,000 Individual/$6,000 Family $6,000 Individual/$12,000 Family Medical Annual Out-of-Pocket Maximum 1 $5,500 Individual/$11,000 Family $11,000 Individual/$22,000 Family Coinsurance 60% / 40% 40% / 60% TYPE OF SERVICE PLAN PAYS (in-network) PLAN PAYS (out-of-network) Preventive Care Services 2 100% 40% coinsurance, no deductible Phone or Online Consultation provided by Teladoc 1,3 100%, after $10 copay N/A Primary Care Physician (PCP) Visit 60% coinsurance, after deductible 40% coinsurance, after deductible Specialist Office Visit 60% coinsurance, after deductible 40% coinsurance, after deductible Surgery (Doctor s Office) 60% coinsurance, after deductible 40% coinsurance, after deductible Surgery (Inpatient or Outpatient Hospital) 60% coinsurance, after deductible 40% coinsurance, after deductible Prescription Annual Out-of-Pocket Maximum 1 $1,000 individual / $2,000 family N/A Generic 100%, after $10 copay Not covered Pharmacy 30-day supply Preferred 50% coinsurance: associate pays up to $100 maximum Not covered Non-Preferred 50% coinsurance: associate pays up to $150 maximum Not covered Specialty 50% coinsurance: associate pays up to $200 maximum Not covered Generic 100%, after $20 copay Not covered Mail Order 90-day supply Preferred 50% coinsurance: associate pays up to $200 maximum Not covered Non-Preferred 50% coinsurance: associate pays up to $300 maximum Not covered 1 The medical out-of-pocket maximum does not include Teladoc and prescription drugs. Prescription drug out-of-pocket maximum is separate. 2 To be covered as a preventive care service, the care must meet nationally recognized guidelines like minimum age and frequency rules. Contact your carrier for more information 3 Puerto Rico is excluded from the service area 9

11 Medical Silver Plus Plan Plan administered by National Carriers per home zip code / Prescription drugs administered by CVS Caremark IN-NETWORK OUT-OF-NETWORK Calendar Year Deductible $1,000 Individual/$2,000 Family $2,000 Individual/$4,000 Family Medical Annual Out-of-Pocket Maximum 1 $5,000 Individual/$10,000 Family $10,000 Individual/$20,000 Family Coinsurance 70% / 30% 50% / 50% TYPE OF SERVICE PLAN PAYS (in-network) PLAN PAYS (out-of-network) Preventive Care Services 2 100% 50% coinsurance, no deductible Phone or Online Consultation provided by Teladoc 1,3 100%, after $10 copay N/A Primary Care Physician (PCP) Visit 100%, after $30 copay 50% coinsurance, after deductible Specialist Office Visit 100%, after $60 copay 50% coinsurance, after deductible Surgery (Doctor s Office) 100%, after applicable office visit copay 50% coinsurance, after deductible Surgery (Inpatient or Outpatient Hospital) 70% coinsurance, after deductible 50% coinsurance, after deductible Prescription Annual Out-of-Pocket Maximum 1 $1,000 individual / $2,000 family N/A Generic 100%, after $10 copay Not covered Pharmacy 30-day supply Preferred 70% coinsurance: associate pays up to $50 maximum Not covered Non-Preferred 70% coinsurance: associate pays up to $100 maximum Not covered Specialty 50% coinsurance: associate pays up to $125 maximum Not covered Generic 100%, after $20 copay Not covered Mail Order 90-day supply Preferred 70% coinsurance: associate pays up to $125 maximum Not covered Non-Preferred 70% coinsurance: associate pays up to $250 maximum Not covered 1 The medical out-of-pocket maximum does not include Teladoc and prescription drugs. Prescription drug out-of-pocket maximum is separate.. 2 To be covered as a preventive care service, the care must meet nationally recognized guidelines like minimum age and frequency rules. Contact your carrier for more information 3 Puerto Rico is excluded from the service area 10

12 Medical Gold Plus Plan Plan administered by National Carriers per home zip code / Prescription drugs administered by CVS Caremark IN-NETWORK OUT-OF-NETWORK Calendar Year Deductible $500 Individual/$1,000 Family $1,000 Individual/$2,000 Family Medical Annual Out-of-Pocket Maximum 1 $3,000 Individual/$6,000 Family $6,000 Individual/$12,000 Family Coinsurance 80% / 20% 60% / 40% TYPE OF SERVICE PLAN PAYS (in-network) PLAN PAYS (out-of-network) Preventive Care Services 2 100% 60% coinsurance, no deductible Phone or Online Consultation provided by Teladoc 1,3 100%, after $10 copay N/A Primary Care Physician (PCP) Visit 100%, after $20 copay 60% coinsurance, after deductible Specialist Office Visit 100%, after $45 copay 60% coinsurance, after deductible Surgery (Doctor s Office) 100%, after applicable office visit copay 60% coinsurance, after deductible Surgery (Inpatient or Outpatient Hospital) 80% coinsurance, after deductible 60% coinsurance, after deductible Prescription Annual Out-of-Pocket Maximum 1 $1,000 individual / $2,000 family N/A Generic 100%, after $10 copay Not covered Pharmacy 30-day supply Preferred 70% coinsurance: associate pays up to $50 maximum Not covered Non-Preferred 70% coinsurance: associate pays up to $100 maximum Not covered Specialty 50% coinsurance: associate pays up to $125 maximum Not covered Generic 100%, after $20 copay Not covered Mail Order 90-day supply Preferred 70% coinsurance: associate pays up to $125 maximum Not covered Non-Preferred 70% coinsurance: associate pays up to $250 maximum Not covered 1 The medical out-of-pocket maximum does not include Teladoc and prescription drugs. Prescription drug out-of-pocket maximum is separate. 2 To be covered as a preventive care service, the care must meet nationally recognized guidelines like minimum age and frequency rules. Contact your carrier for more information 3 Puerto Rico is excluded from the service area 11

13 Medical Talk to a doctor anytime* Teladoc is a service that provides access to a national network of U.S. board certified doctors and pediatricians 24 hours a day / seven days a week. > Helps resolve non-emergency medical issues Doctors and pediatricians are available at anytime to diagnose, treat and prescribe medication for medical issues like sinus infections, cold and flu symptoms, urinary tract infections, bronchitis and more! > Anytime. Anywhere. Care is available via phone 24 hours a day, seven days a week, 365 days a year. Online video consultations are also available 7:00 am to 9:00 pm in your local time zone, seven days a week. > Saves Money! Consultations are only $10 which costs less than a PCP, Urgent Care or Emergency Room visit. * This service is only available to associates enrolled in a Compass Group medical plan and their covered dependents. Teladoc operates subject to state regulations and is not available in PR. Video consults are not available in ID, IA, LA, MO, OH and TX. 12

14 Dental Dental Plans Services Covered Cigna Dental PPO Plan Benefits Cigna Managed Care Dental Plan Benefits Annual benefit Preventive, basic and major treatment $1,500 per year, per person for all levels combined No benefit maximum limits Preventive treatment Checkups, cleanings, fluoride treatment, bitewing X-rays 100% when you use a Cigna network dentist or 80% when you use a non-network dentist 100% when you use your assigned Cigna network dentist Basic treatment Fillings, simple extraction Major treatment Crowns, bridges, dentures (including over implants) Implants 80% of reasonable and customary charges 1 after Reduced network rate 3 when you use your assigned $50 deductible 2 Cigna network dentist, no deductible 50% of reasonable and customary charges 1 after Reduced network rate 3 when you use your assigned $50 deductible 2 Cigna network dentist, no deductible 50% of reasonable and customary charges 1 after Not covered $50 deductible 2 Orthodontia Braces and related treatment 50% up to lifetime maximum benefit of $2,500 per person, no deductible Reduced network rate 3 when you use your assigned Cigna network dentist, no deductible No benefit maximum limits 1 Services provided by a Cigna PPO dentist are at a discounted rate. Therefore, your out-of-pocket expenses are lower 2 $50 deductible per person or $150 per family annually 3 To get a Managed Care Dental Plan patient charge schedule, go to call Cigna at 800-Cigna24 ( ) or call the Compass Group Benefits Answerline at The Cigna Managed Care Dental Plan is offered based on the home ZIP code and will be displayed on the Online Benefits Center if available in the associate s area. After enrolling in the Managed Care Plan members must contact Cigna to choose a participating dentist. Dental services are only covered when rendered by the selected dentist. If a dentist is not selected Cigna will assign a dentist. Claims submitted from a dentist other than a member s selected or assigned dentist will not be paid. 13

15 Vision Vision Plans THE COMPREHENSIVE PLAN SERVICE FREQUENCY PREFERRED PROVIDER (In-Network) OPEN ACCESS (Out-of-Network) Exam Once every calendar year Covered in full Up to $35 Lenses Single Once every calendar year Covered in full, after $15 copay Up to $25 Bifocal Once every calendar year Covered in full, after $15 copay Up to $40 Trifocal Once every calendar year Covered in full, after $15 copay Up to $55 Lenticular Once every calendar year Covered in full, after $15 copay Up to $80 Scratch coating Once every calendar year Covered in full Not covered Frames Once every other calendar year Up to $160 allowance (20% discount on amounts over $160) Up to $45 Contact Lenses if you purchase contacts with this benefit, it counts as a complete set of glasses/frames Exam Once every calendar year 15% discount (fitting and evaluation) $60 maximum copay Not covered Lenses Once every calendar year Up to $160 Up to $140 THE EXAM PLUS PLAN SERVICE FREQUENCY PREFERRED PROVIDER (In-Network) OPEN ACCESS (Out-of-Network) Exam Once every calendar year Covered in full Up to $35 Lenses & Frames N/A 20% discount Not covered Contact Lenses N/A 15% discount off contact lens exam (fitting and evaluation) No allowance for contact lenses Not covered VSP Diabetic Eyecare Plus Program SM This program provides coverage of additional eyecare services for members with type 1 and type 2 diabetes. Eligible members can receive both routine and follow-up medical eyecare from their VSP Preferred Provider. This program ensures that members with diabetes get the follow-up medical eyecare they need from their VSP Preferred Provider. 14

16 Flexible Spending Accounts (FSAs) Flexible Spending Accounts (FSAs) Compass Group offers two (2) Flexible Spending Accounts (FSAs) that let associates pay themselves back on a tax-free basis for certain healthcare and dependent care expenses. Associates do not have to be enrolled in any other plans and can choose to contribute to either or both of these pre-tax spending accounts. > Healthcare Spending Account Lets associates reimburse themselves, up to $2,500, annually tax-free, for expenses* not reimbursed under any healthcare plans. There is a minimum annual contribution of $100 and the full elected amount is available on the associate s benefits effective date. > Dependent Care Spending Account Lets associates reimburse themselves, up to $5,000, annually tax-free, for applicable daycare expenses. There is a minimum annual contribution of $100 the maximum is $2,500 for associates who are married and file separate tax returns. This account works like a checking account in which the associate pays into each pay period, therefore associates can only spend the amount already contributed. * The Healthcare FSA can be used to cover the healthcare expenses of associates and their eligible dependents. However, the Healthcare FSA cannot be used for the healthcare expenses of a domestic partner and/or children of a domestic partner. 15

17 Flexible Spending Accounts (FSAs) Why Enroll in Flexible Spending Accounts (FSAs)? The main reasons to enroll in FSAs are to help budget for out-of-pocket healthcare and dependent care expenses and to save money on taxes. > Associates can use a Healthcare Spending Account to pay copays, deductibles, dental and vision care and prescription drug expenses not reimbursed under any healthcare plans. > The Dependent Care Spending Account covers daycare and pre-school programs for children under age 13 and eldercare services for other qualifying dependents while associates work. 16

18 Flexible Spending Accounts (FSAs) Flexible Spending Accounts (FSAs) > The US Treasury Department and IRS have modified the Use It or Lose It rule for the Healthcare Flexible Spending Account (FSA). Plan sponsors may now allow participants to carry over instead of forfeiting up to $500 of unused funds in a Healthcare FSA at the end of each plan year. This does not impact the Dependent Care Flexible Spending Account. > Participants will also have three months after the end of the year to submit claims incurred during the year. So, you ll have until March 31 of the next plan year to submit claims incurred through December 31 of the current plan year or within three months of the last day of your coverage. > Always save receipts. Some purchases may require associates to submit verification. > A dependent care tax credit cannot be claimed on state or federal income tax returns if the associate participates in a Dependent Care Spending Account. 17

19 Commuter Benefits Commuter Benefits Program Compass Group offers a Commuter Benefits Program that helps you save on the cost of commuting when you use public transportation or parking to get to work. Through our partnership with ADP, you can have dollars deducted from your paycheck, pre-tax for specific types of transportation expenses, including: > Public transit, for example, traveling by bus, regional rail, streetcar, trolley, subway or ferry. > Vanpools. > Parking at or near work, or at or near public transportation lots, if you park and ride. ADP offers public transit coverage in all 50 states and in more than 350-plus metropolitan areas, so you re almost certain to benefit no matter where you live. When you enroll you can set aside up to $130 a month pre-tax for transit and vanpool expenses and up to $250 a month pre-tax for parking. Amounts above these limits will be deducted post-tax. You can enroll or make changes throughout the year there is no open enrollment period. 18

20 Identification Cards Identification Cards The following benefits programs issue ID cards that are mailed to the associate s home approximately three (3) weeks after completing enrollment via the web: > Medical > Pharmacy* > Dental > ADP Healthcare Spending Account > ADP Commuter Benefits Program The following plans do not issue ID cards: > ADP Dependent Care Spending Account > Comprehensive Vision Plan > Exam Plus Vision Plan However, you can log on to VSP s website to print an ID card. *Associates who elect the Bronze Plus, Silver Plus, Gold Plus or Out-of-Area Plans will receive a pharmacy ID card from CVS Caremark. Associates who elect a Regional HMO will receive a combined medical and pharmacy card from their carrier. 19

21 Identification Cards Identification Cards Log on to to print an ID card 20

22 Missed Deductions Missed Deductions What Happens if I Miss a Benefits Deduction? Your benefit records are set to take as much of a missed deduction as possible up to a maximum of 1½ times your normal deduction. This means if you miss a pay cycle, your deduction will increase by half until the amount you missed or owe has been repaid. This does not apply to 401(k) contributions or loans, Healthcare or Dependent Care Spending Accounts. Example Your medical deduction is $37. If you miss a pay cycle, your deduction will increase to $55.50 ($37 + $18.50, or half of $37) until the missed deductions are paid. 21

23 Wellness Wellness Program The Compass Group Wellness Program is designed to help our associates and their family members take an active role in managing their health. Compass Group provides programs and initiatives to help associates get healthy and stay healthy including: > 100% coverage for preventive care* in the medical, dental and vision plans for annual checkups, physicals and other health screenings for associates and their covered dependents. > After one year of service, full-time non-exempt salaried or full-time non-union hourly associates enrolled in a Compass Group medical, dental or vision plan are eligible to receive up to three (3) hours paid time off from work for an annual exam. This paid time off cannot be used for dependent preventive care. > Wellness and nutrition information posted on the Altogether Great website. * To be covered as a preventive care service, the care must meet nationally recognized guidelines like minimum age and frequency rules. Contact the carrier for more information.

24 Wellness Wellness Program Our health improvement provider INTERVENT offers: > A free, confidential health and lifestyle questionnaire the Health Risk Assessment (HRA). The HRA highlights current health habits and suggests changes that should be discussed with a healthcare provider. Associates who enroll in a Compass Group medical plan and take the HRA are eligible to receive a $3 per week wellness credit toward their medical deductions. Associates are also eligible to receive an additional $3 per week wellness credit if their spouse/domestic partner enrolls in a Compass Group medical plan and completes the HRA too. > An Online Health Improvement Program that provides access to a variety of online selfdirected lifestyle coaching tools that gives information on weight management, increasing physical activity, stress management and more. > A Lifestyle Health Coaching Program that provides coaching with a health professional via confidential phone sessions. With a dedicated Health Coach, associates can set realistic goals to improve targeted areas like eating healthy, weight management, increasing physical activity, stress management and more.

25 Wellness Wellness Program Associates and eligible dependents enrolled in a Compass Group medical plan are eligible to participate in these programs. > A Condition Management Program designed to help associates and their dependents understand and manage a chronic health condition like diabetes, heart disease, high blood pressure, high cholesterol, low-back pain, respiratory disease and more. > A Maternity Management Program that gives expectant mothers*, who are enrolled in a Compass Group medical plan, pregnancy-related healthcare information. As an incentive, once the program is completed, credits are placed in an Employer-funded Spending Account: $250 when enrolled in first trimester (pregnancy weeks 1 to 13) $125 when enrolled in second trimester (pregnancy weeks 14 to 26) > A Tobacco Cessation Program that provides associates and dependents 18 years of age or older, nicotine therapy (paired with coach-assisted support) to help kick a nicotine habit. Patches and gum are covered under the program at no cost. Prescription medications are also covered. Occasionally associates may receive calls from INTERVENT inviting them to participate in the wellness programs. *Expectant mothers may contact INTERVENT directly to self-enroll, but in some instances INTERVENT may reach out in advance to introduce the program.

26 Wellness Employee Assistance Program (EAP) and Healthcare Help Team The Employee Assistance Program (EAP) and Healthcare Help Team are administered by HealthAdvocate. Services available include: Confidential counseling services through the EAP that provides: > Confidential help that is available 24 hours a day, 7 days a week by phone. > Three (3) visits face-to-face with a referred counselor, at no charge. > Assistance with issues on: relationships, major life changes, depression, marital and family conflicts, career transition and more. The Healthcare Help Team provides Personal Health Advocates that can help associates and their families: > Find the right doctors and hospitals. > Schedule tests and appointments. > Secure second opinions. > Locate elder services. > Navigate your insurance plan. > Correct billing errors / untangle claims. > And more! Generally, the EAP is available to hourly associates enrolled in a Compass Group medical plan and all salaried associates. Eligibility rules vary by sector.

27 Other Benefits Other Benefits Insurance Category Basic Life Insurance Associate Life Insurance* Dependent Life Insurance* Short Term Disability (STD)** Long Term Disability (LTD)** Accidental Death & Dismemberment (AD&D)* Coverage 1x Annual Benefit Base Salary 100% Company-Paid 1x 2x 3x 4x 5x Annual Benefit Base Salary Age Rated Associate Paid Evidence of Insurability (EOI) required for amounts above $700,000 $10,000 $20,000 $30,000 $40,000 $50,000 for Spouse/Domestic Partner $5,000 or $10,000 for Children Associate Paid 13 Weeks at 75% pay 13 Weeks at 50% pay 100% Company-Paid (offset by state benefits, Social Security or Worker s Compensation) 50% Basic Coverage (offset by state benefits, Social Security or Worker s Compensation) 60% Supplemental Coverage (offset by state benefits, Social Security or Worker s Compensation) Basic LTD Company-Paid through Benefit Credits $25,000 up to $500,000 of Coverage Coverage for Associate and Dependents Associate Paid * Can only move up one level of coverage each enrollment period after initial enrollment. ** Disability coverage is administered by the Leave of Absence Team. 26

28 Enrollment Enrollment Opportunities > New Hire > Annual Enrollment 11/1 to 11/15 each year for coverage to begin the first of the following year > Life Status Changes, if filed timely Two (2) month filing limit for HIPAA special enrollment and Medicaid/CHIP Marriage/Domestic Partnership Birth/adoption/placement for adoption Loss of group coverage Gain/loss of Medicaid/CHIP One (1) month filing limit for other events Divorce Gain of group coverage Dependent loses eligibility Death of a dependent > Child care change 27

29 Enrollment The Enrollment Process Using the Online Benefits Center, associates can: > Make New Hire benefit elections and add dependents/beneficiaries. > Make benefit changes during Annual Enrollment. > Make benefit changes throughout the year based on employment or address changes, if applicable. > Review Summary of Benefits Coverage (SBCs) and Summary Plan Descriptions (SPDs). > Access links to provider networks. > View current benefits as well as dependent and beneficiary information. > Print their confirmation statement and any Compass Group forms. 28

30 Enrollment Online Benefits Center > USERNAME is the associate s eight (8) digit personnel number. The personnel number can be found on the associate s enrollment package cover letter or the associate s pay stub. > PASSWORD is the last four (4) digits of the associate s social security number and four digit year of birth. 29

31 Enrollment Plan Decision Toolkit As a part of our great rewards initiatives, we offer the Plan Decision Toolkit to help compare benefit options and estimate medical costs for associates and their families. Associates can use the: > Preference Module to consider which features matter most to the associate and their family and rate the importance of each attribute selected. > Medical Cost Calculator to estimate how much each medical plan option will cost based on the type of care received for the coming year. The actual costs for services listed in the calculator will vary based on where the associate lives and the type of service. > Comparison Module to compare the medical plan options across key features, such as out-of-pocket costs, access to care and benefits coverage. > Savings Account Estimator can help associates see how much they should contribute to a Healthcare FSA and shows the potential tax savings based on the contribution. 30

32 Discounts Discount Marketplace Compass Group offers an online discount marketplace, which gives associates access to discounts and quality products from thousands of retailers, restaurants, hotels and more! It s available 24 hours a day, seven days a week. To get started, go to click rewards Discount Marketplace then, click New Users: > Click on: Activate my account > Enter: Your 8-digit personnel number (including leading zeroes) and your date of birth > Create: Your username and password Existing Users: Enter your address and password to log in 31

33 Voluntary Benefits Voluntary Benefits Compass Group offers Voluntary Benefits to full-time and part-time associates, which provides expanded coverage if you have a serious illness, an injury from an accident or in the event of your death. Offerings include fully-insured legal/id theft, auto or homeowners insurance, and a PC purchasing program, which includes electronics and appliances. Top 4 reasons to consider Voluntary Benefits! 1. You don t have to answer any medical underwriting questions or provide Evidence of Insurability (EOI) for up to certain amounts if you enroll within 120 days of your hire date for Critical Illness, Accident or Whole Life Insurance coverage. 2. You pay special group premiums or rates, or you can receive money-saving discounts as an eligible Compass Group associate. 3. Generally, you can have your cost for coverage deducted from your paycheck *. 4. Take your coverage with you if you leave Compass Group Voluntary Benefit coverage is portable. *Note for Chartwells Hourly, Flik Independent Schools and other Educational Associates: You can choose to have the cost for Auto & Homeowners insurance coverage deducted from your payroll card, credit/debit card or bank account. Payroll deductions are not available for Auto & Homeowners insurance coverage. 32

34 Voluntary Benefits Voluntary Benefits At-a-Glance Group Critical Illness Coverage coverage for a serious illness like a heart attack, stroke or cancer. Accident Coverage coverage for expenses from an injury or qualifying event (e.g., hospital care). Whole Life Insurance Coverage coverage for you and/or your family in the event of your death. Auto & Homeowners Insurance Coverage coverage options for your personal auto or home insurance with special savings for Compass Group associates. Legal Coverage and ID Theft Protection access to a nationwide network of attorneys, plus coverage for attorney fees. Associate Shopping Program * purchase computers, electronics, appliances and more through payroll deductions over 12 months. *You must be age 18 or older, have worked for Compass Group for at least 12 months and earn at least $16,000 per year. 33

35 Voluntary Benefits Voluntary Benefits Ready to enroll? You can get more information at On the initial login, > Click on: Active my account > Enter: Your 8-digit personnel number (including leading zeros) and your date of birth You will be prompted to create your own username and password. You will use your new username and password each time you return to login. Note: You can enroll online for all Voluntary Benefits except for Auto & Homeowners insurance coverage. To enroll for these coverages, you will need to call MetLife or Travelers. 34

36 Part-time, On-Call and Temporary Benefits Part-time, On-Call and Temporary Benefits Program Compass Group s Part-Time, On-Call and Temporary Benefits Program is administered by Aetna. Who is eligible? Part-time, on-call and temporary associates who work less than 30 hours per week. Eligible associates can enroll beginning on their date of hire, up to 60 days. For example: Date of hire 3/2/2015 Eligible 3/2/2015 through 5/1/2015 Enrollment information is mailed to the associate s home address when the associate becomes newly eligible and at each annual enrollment period. Annual Enrollment is 12/1 12/15 each year for coverage to begin the first of the following year. 35

37 Part-time, On-Call and Temporary Benefits Part-time, On-Call and Temporary Benefits Program Plan options available: > Fixed Benefits Plan* Option 1 Option 2 > Dental Plan > Vision Plan > Hospital Indemnity Plan > Short Term Disability > Term Life Insurance and Accidental Death Once plans are elected, coverage becomes effective on the first day of the next pay period following the pay period in which a deduction occurs. A temporary ID card is included in the enrollment kit and permanent ID cards will be issued after the first deduction is received by Aetna. *The Fixed Benefits Plan is not offered in Massachusetts, New Hampshire and North Dakota. All benefits are not available in Puerto Rico. 36

38 Part-time, On-Call and Temporary Benefits Part-time, On-Call and Temporary Benefits Program Missed Premium Process > Coverage remains active each time a deduction is withheld. If a deduction is missed, coverage is not active for the period following the missed deduction. > To have continuous coverage, the associate must send that week s premium directly to Aetna. The associate will not receive an invoice for missed premiums. > After 12 weeks of no payroll deductions, coverage will be terminated and can be continued only through COBRA. > A Missed Premium Form is included in the enrollment kit along with instructions. 37

39 Retirement & Savings Compass Group Retirement Plan Matching 401k > Allows you to save 1% 50% of pre tax pay and invest in a variety of funds > Compass Group will make a basic matching contribution of $0.35 on each dollar you contribute up to 6% of your gross compensation > 100% vested at your three year anniversary > Salaried associates could receive a discretionary bonus match, up to $0.15 on each dollar, depending on the Company s financial performance. This discretionary bonus is determined at each fiscal year end > Administered by Wells Fargo

40 How to Reach the Benefits Department By Phone: Benefits Answerline > General Benefit Questions, option 1 > Disability & Leave of Absence Questions, option 2 > Retirement & Savings (401k) Questions, option 3 > COBRA Questions, option 5 By On the Web: rewards 39

Compass Group Benefits Department 800-341-7763 benefits.department@compass-usa.com Online Benefits Center at www.altogethergreat.

Compass Group Benefits Department 800-341-7763 benefits.department@compass-usa.com Online Benefits Center at www.altogethergreat. Compass Group Benefits Department 800-341-7763 benefits.department@compass-usa.com Online Benefits Center at www.altogethergreat.com Look Beyond Your Paycheck To be an employer of choice, Compass Group

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