Westinghouse Electric Company Events Guide

Size: px
Start display at page:

Download "Westinghouse Electric Company Events Guide"

Transcription

1 Westinghouse Electric Company Events Guide Benefits in the Event of: Leave of Absence Disability Layoff / Permanent Separation Death Furlough Voluntary Quit / Involuntary Termination Revised January 2015 Contents How Your Benefits Are Impacted By Certain Events (Leave of Absence, Disability, Layoff / Permanent Separation, or Death)... 2 If You Are On Furlough... 8 If You Voluntarily Quit or are Involuntarily Terminated (not Layoff or Permanent Separation)... 8 What To Expect... 9 Beneficiary Designation Special Information if You Are on Disability or a Leave of Absence Additional Information If You Are On Disability If You Have Questions

2 How Your Benefits Are Impacted By Certain Events Continuation of coverage, whether company continuation or COBRA, can only occur if the employee is enrolled in coverage on the day before the event. If the employee is not enrolled in coverage on the day before an event, the employee cannot continue coverage, as there is no coverage to continue. The information in this Guide generally applies to all full-time U.S. based employees, except for items specifically defined in the respective union collective bargaining agreements. When one of the events listed below occurs, your coverage(s) either: Stop at midnight on your last day worked; Continue under company continuation if you pay any required contributions; or Continue under COBRA if you elect it and pay any required contributions. The chart below gives you more information about what happens to each benefit coverage when certain events occur. For Part-Time employees and Newington Boilermakers, send the Westinghouse Benefits Center a question via the Contact Us page on the Your Benefits Resources Web site, or call the Benefits Center, if you need information about what happens to your benefit coverages as a result of these events, as it may differ from that which is described in the Events Guide. Medical and Vision FMLA Leave of Absence (1) COBRA paying active rates for first 12 months; full COBRA rates thereafter until Other LOAs: COBRA paying active rates for length of leave. Total Disability (2) for 6 months, or length of salary continuation period if longer; then COBRA. No contributions for period of salary continuation paid at 60%, during the period of Accident and Sickness payments, and for first 18 months on COBRA. COBRA continued for another 12 months (to 36 months from last day worked) by paying active rate. Layoff/ Permanent Separation (1), (3) < 3 yrs. Eligibility Service: COBRA paying full COBRA rates until COBRA continuation period expires. At least 3 yrs. but < 25 yrs. Eligibility Service: COBRA paying active rates for 12 months; full COBRA rates thereafter until At least 25 yrs. Company Continuation paying active rates for 12 months; pay 50% of total cost of coverage until Medicareeligibility. Death of Active Employee (1), (4) If employee did not meet age and service requirements: COBRA at no cost for 12 months; then full COBRA rate until If employee met age and service requirements: to Medicare-eligibility at no cost for first 12 months; survivor rates thereafter. 2

3 Company Contributions to the Aetna Health Savings Account (if enrolled in the Aetna CDHP) Dental FMLA Continues for length of leave. Leave of Absence (1) Continues as long as you are accruing eligibility service. COBRA paying active rates for first 12 months; full COBRA rates thereafter until Other LOAs: COBRA paying active rates for length of leave. Total Disability (2) Continues as long as you are accruing eligibility service. for 6 months, or length of salary continuation period if longer; then COBRA. No contributions for period of salary continuation paid at 60%, during the period of Accident and Sickness payments, and for first 18 months on COBRA. COBRA continued for another 12 months (to 36 months from last day worked) by paying active rate. Layoff/ Permanent Separation (1), (3) Stops on last day worked. < 3 yrs. Eligibility Service: COBRA paying full COBRA rates until COBRA continuation period expires. At least 3 yrs. Eligibility Service (includes those with 25 or more years of service): COBRA paying active rates for 12 months; full COBRA rates thereafter until Death of Active Employee (1), (4) Stops on last day worked. If employee did not meet age and service requirements: COBRA at no cost for 12 months; then full COBRA rate until If employee met age and service requirements: to Medicare-eligibility at no cost for first 12 months; survivor rates thereafter. Employee Assistance Program for length of leave. COBRA at no cost rate until COBRA continuation period expires. Other LOAs: COBRA at no cost for length of leave. for 6 months, or length of salary continuation period if longer (company paid); then COBRA at no cost until COBRA continuation period expires. < 3 yrs. Eligibility Service: COBRA paying full COBRA rates until COBRA continuation period expires. At least 3 yrs. COBRA at no cost until COBRA continuation period expires. COBRA a no cost until Health Care Spending Account for earlier of length of leave or end of calendar year by paying active contribution rate. COBRA paying full COBRA rates until the end of the calendar year. for 6 months, or length of salary continuance period if longer by paying active contribution rate (payroll deduction for period of salary continuance; direct billed for contributions during period of Accident and Sickness); then COBRA paying full COBRA rate until the end of the calendar year. COBRA paying full COBRA rates until the end of the calendar year. COBRA paying full COBRA rates until the end of the calendar year. 3

4 Day Care Spending Account FMLA No contributions allowed. No reimbursement can be made for claims incurred during period of leave. Leave of Absence (1) No contributions allowed. No reimbursement can be made for claims incurred during period of leave. Total Disability (2) Contributions continue during period of 100% Salary Continuance, Otherwise, no contributions allowed. No reimbursement can be made for claims incurred during period of leave. Layoff/ Permanent Separation (1), (3) Death of Active Employee (1), (4) Basic Life for length of leave. for 12 months. Other LOAs: for length of leave. < 1 yr. Eligibility Service or are age 65 or older when disability begins: for 12 months. At least 1 yr. but < 10 yrs. Eligibility Service: to 1 st of month after 65 th birthday. At least 10 yrs. to 1 st of month after 65 th birthday, then reduces to $10,000. < 3 yrs. Eligibility Service: Stops at midnight on last day worked. Conversion available. At least 3 yrs. but < 25 yrs. Eligibility Service: Company continuation for 12 months. Company paid. Conversion available after coverage ends. At least 25 yrs. for 12 months, then reduces to $10,000. Benefit may be payable. Basic AD&D for length of leave. for 12 months. Other LOAs: for length of leave. for 12 months. < 3 yrs. Eligibility Service: Stops at midnight on last day worked. At least 3 yrs. for 12 months. Benefit may be payable. 4

5 Additional / Supplemental Life (grandfathered as of 12/31/1991) FMLA Leave of Absence (1) for 12 months by Other LOAs: Total Disability (2) At least 10 yrs. to age 65, then reduces. Company paid except during 100% salary continuance period. Layoff/ Permanent Separation (1), (3) At least 3 yrs. for 12 months by Death of Active Employee (1), (4) Benefit may be payable. Dependent Life for 12 months by Other LOAs: up to two years from Company paid except during 100% salary continuation period. < 3 yrs. Eligibility Service: Stops at midnight on last day worked. Conversion available. At least 3 yrs. but < 25 yrs. Eligibility Service: Company continuation for 12 months by paying active rate. At least 25 yrs. until no longer any eligible dependents by If employee did not meet age and service requirements: for 12 months by If employee met age and service requirements: until no longer any eligible dependents by Optional Life Payroll deduction for period of salary continuance. Otherwise, company continuation up to two years from last day worked by paying active rates. Can port coverage and pay premiums directly to Minnesota Life according to terms of Optional Life policy certificate. Benefit may be payable. Optional AD&D - Employee and Family Other LOAs: up to two years from Company paid except during 100% salary continuation period. Family coverage stops; benefit for employee coverage may be payable. 5

6 Long-Term Care FMLA Contributions paid directly to CNA. Leave of Absence (1) Contributions paid directly to CNA. Total Disability (2) Payroll deduction for period of salary continuance. Otherwise, contributions paid directly to CNA. Layoff/ Permanent Separation (1), (3) Contributions paid directly to CNA. Death of Active Employee (1), (4) Contributions paid directly to CNA for spouse coverage. Business Travel Accident Benefit may be payable. Accident & Sickness Income benefit continues, if applicable Income benefit continues, if applicable Income benefit stops, if applicable Salary Continuance Income benefit continues, if applicable Income benefit continues, if applicable Income benefit stops, if applicable Long-Term Disability Income benefit continues, if applicable Income benefit stops, if applicable Savings Plan No contributions when no pay is received No contributions when no pay is received No contributions when no pay is received Contributions stop Contributions stop Pension No contributions when no pay is received No contributions when no pay is received No contributions when no pay is received Contributions stop Contributions stop Voluntary Benefits Program Direct bill (after 6 weeks on leave for hourly employees or 2 months on leave for salaried employees); otherwise deduction recalculated upon return to work. When you return to work, you must call Mercer at for your payroll deductions to start up again. For MetLaw Group Legal, there is no payment or coverage while not receiving pay. Direct bill (after 6 weeks on leave for hourly employees or 2 months on leave for salaried employees); otherwise deduction recalculated upon return to work. When you return to work, you must call Mercer at for your payroll deductions to start up again. For MetLaw Group Legal, there is no payment or coverage while not receiving pay. Direct bill (after 6 weeks on leave for hourly employees or 2 months on leave for salaried employees); otherwise deduction recalculated upon return to work. When you return to work, you must call Mercer at for your payroll deductions to start up again. For MetLaw Group Legal, there is no payment or coverage while not receiving pay. Direct bill; limited portability option for MetLaw Group Legal. ID Theft: to continue, surviving spouse needs to enroll in an individual policy, but can then continue on direct bill. Pet Insurance: surviving spouse may continue their pet s policy on direct bill. Auto Home: surviving spouse can continue to the end of their policy term, they can then enroll in the program as a retail client and continue on direct bill. Critical Illness: coverage can continue MetLaw Group Legal and Purchasing Power programs stop. 6

7 Note 1: If coverage continues under COBRA, coverage will stop at midnight on your last day worked unless you actively elect and pay for COBRA coverage after you receive your COBRA notification from the Westinghouse Benefits Center, the COBRA administrator. After you elect and pay for COBRA coverage, your coverage will be reinstated back to the termination date. You will receive a new Identification Card from your medical coverage carrier. If an employee s coverage terminates any time during a month (other than the last calendar day of the month), benefits payroll deductions are stopped at the end of the previous month. COBRA contributions are pro-rated based on the day in the month on which COBRA coverage continuation begins. You are responsible for paying your COBRA premiums by the due date, which is the 1 st of a month for that month. For example, the due date for May is May 1. The COBRA administrator is not required to send you a bill each month. If payment is not received within 30 days of the due date, coverage will be terminated and cannot be reinstated. Premiums must be made in full month increments. Note 2: Total disability provisions continue as long as you remain Totally Disabled as certified by the total disability administrator, Aetna. All benefit deductions continue during the period of 100% salary continuance; the company pays Long-Term Disability premiums and imputes income during periods of 60% salary continuance and Accident and Sickness. LTD premiums are waived during periods of LTD, therefore no payment or imputed income applies. You are automatically enrolled in COBRA coverage after 6 months or the length of salary continuance period if longer. Please note that although you are automatically enrolled in COBRA coverage (except for the Health Care Spending Account), there may be a short period as your records are transferred under COBRA coverage that the carriers do not show you as having coverage, but this is not accurate. Coverage will be automatically retroactively reinstated under COBRA so that there is no break in the actual coverage. You will receive a new Identification Card from your medical coverage carrier. If you do not want COBRA coverage for all or part of your health care coverage continuation under COBRA (medical, dental, vision, the Employee Assistance Program and the Health Care Spending Account), you need to notify the Westinghouse Benefits Center, the COBRA administrator. Your final paycheck before going on Accident & Sickness or Long-Term Disability coverage may be less than 100% of your regular pay. If this occurs, please be aware that if you signed up for your paycheck to be deposited to a secondary bank, you signed up for a specified amount to be deposited into that secondary bank. Payroll puts the specified amount into your secondary bank first, and then if there are any funds remaining, they go into your primary/main bank account. Please see If You Are Eligible to Retire Within 2 Years of Your Last Day Worked in this Guide if you are totally disabled and are eligible to retire (under any of the retirement statuses Normal Retirement, Early Retirement or 70 Points Retirement) within 2 years of your If you are totally disabled and are then laid off or permanently separated within 2 years of your last day worked, you will be subject to the layoff or permanent separation plan provisions as of the date you are 7

8 laid off or permanently separated, and disability provisions will no longer continue past your layoff or permanent separation date, except for disability income benefits if you remain eligible. If you are totally disabled and die within 2 years of your last day worked, your survivors are subject to the survivor of active employee plan provisions as of the date of your death, and disability provisions will no longer continue past your death. Note 3: If you drop coverage for yourself, you can never re-enroll in coverage for any reason (including qualifying life events) at any time in the future. You must be enrolled in coverage for any eligible dependents to be enrolled in coverage. Note 4: If your survivors drop coverage, they can never re-enroll in coverage for any reason (including qualifying life events) at any time in the future. Age and service requirements on date of employee s death: At least age 50 with at least 15 years of eligibility service; at least age 60 with at least 10 years of eligibility service; or any age with at least 25 years of eligibility service. If you are eligible to continue dependent life insurance coverage and elect to do so, you will need to file a paper beneficiary form with Minnesota Life, as dependent life beneficiaries for survivors of active employees are not designated on the Your Benefits Resources Web site. You can contact Minnesota Life directly at If the employee had a CBS pension plan benefit, call the CBS&YOU Benefits Center on If the employee had an ABB cash balance plan or hourly non-represented pension plan benefit, call the ABB Benefits Service Center on If You Are On Furlough If you are on furlough, coverage continues through company continuation for the period of furlough. Retroactive deductions are taken upon return to active employment. If you are enrolled in Long-Term Care, you may continue this coverage directly through CNA; CNA will bill you for the cost of your coverage. You may also receive a bill for your Voluntary Benefits, depending on the length of your furlough (please see the chart on page 6 for more information.) If You Voluntarily Quit or are Involuntarily Terminated (not layoff or permanent separation) If you voluntarily quit or are involuntarily terminated (not layoff or permanent separation), coverage ends at midnight on your If enrolled, except in the case of gross misconduct, you will be offered for medical, dental, vision, the Employee Assistance Program and the Health Care Spending Account (the Health Care Spending Account will only continue under COBRA until the end of the calendar year in which your separation occurs). 8

9 For basic life, the grandfathered additional / supplemental life, and dependent life insurance coverages, you may apply for an individual converted life insurance policy if you apply to the insurance carrier, Minnesota Life, and pay for the coverage within 31 days after coverage stops. If you are enrolled in Optional Life Insurance, you may port your coverage according to the terms of the Optional Life policy certificate. The Benefits Center will send a conversion/portability notice to you upon receipt of the separation status. This notice will include your name, coverage options, coverage amount and termination date. You can contact Minnesota Life at for information on conversion or porting your coverage, as well as pricing and timing. Minnesota Life will send the necessary form(s) to you. Minnesota Life will bill you for the cost of your coverage. If you are enrolled in Long-Term Care, you may continue this coverage directly through CNA; CNA will bill you for the cost of your coverage. You may also be able to continue certain Voluntary Benefits; call the Voluntary Benefits call center at if you have any questions. What To Expect Note on What Bills You Will Receive: You will receive one monthly bill from the Westinghouse Benefits Center for any benefits continued through Company Continuation or COBRA. Additionally, if you are enrolled in Long-Term Care, you will also receive a separate bill for LTC from the carrier, CNA. You may also receive a bill for your Voluntary Benefits, depending on the number of paychecks missed (please see the chart on page 6 for more information.) Process to continue coverage If Your Benefits are Continued through Company Continuation Your benefits, if you are enrolled, continue automatically as of the date of your event. Approximately 3 weeks after your event begins, you can go on-line to the Your Benefits Resources Web site, which you can access at to view your benefit coverages that continue under company continuation. This is your Confirmation Statement and shows the status of your benefit coverages as of the date of your event. If Your Benefits are Continued through COBRA Your benefits, if you are enrolled, stop as of the date of your event. (Exception: If you are Totally Disabled, you are automatically enrolled in COBRA coverage.) You will receive a COBRA notification from the Westinghouse Benefits Center in your home mail 2-3 weeks after your event. You must actively elect within 60 days of the date of the notification, or you can never elect for that event. You must pay for your coverage, retroactive to the date of termination, within 45 days after you elect the coverage. 9

10 If Your Benefits are Continued through Company Continuation If Your Benefits are Continued through COBRA Who administers coverage and how to contact them The Westinghouse Benefits Center administers benefits that continue through company continuation and through COBRA. You can contact the Benefits Center by sending a question via the Contact Us page on the Your Benefits Resources Web site, which you can access at and you will generally receive a response back by the next business day. If you do not have access to the Internet, you can also contact the Benefits Center by calling Benefits Connection at , entering your personal information, then saying representative, then Benefits Center, then entering your password. How required contributions are made Mid-year qualified family status changes If you are enrolled in a benefit option that requires a contribution, you will receive a bill from the Westinghouse Benefits Center for your monthly contributions, regardless if you were paid on a monthly, semi-monthly, or weekly basis while an active employee. If payment is not received within 30 days of the due date, coverage will be terminated and cannot be reinstated. Direct billing will begin on the 1st of the month in which your unpaid leave starts. Any payroll deductions already taken for that month will be refunded through payroll. Payroll deductions will begin again with the first pay period of the following month in which you return to active status. If you have a change in family status (marriage, birth, divorce, etc.) during the year, you are permitted to make certain changes in your benefits to accommodate your new situation. To make these changes under company continuation, log onto the Your Benefits Resources Web site, which you can access at and make the changes within the designated time frame. The benefit changes you request must be consistent with your change in family status. Remember that if your benefits are continuing under company continuation because you were laid off, permanently separated, or you are the survivor of an active employee, if you stop your coverage for any reason, you will never have the opportunity to re-enroll in coverage, even if you have a qualified family status change. You will receive a monthly bill for your cost of COBRA coverage from the Westinghouse Benefits Center. If payment is not received within 30 days of the due date, coverage will be terminated and cannot be reinstated. COBRA billing will begin on the 1st of the month in which your unpaid leave starts. Any payroll deductions already taken for that month will be refunded through payroll. Payroll deductions will begin again on the day that you return to work; any COBRA overpayments that you made will be refunded to you as soon as administratively possible. If you have a change in family status (marriage, birth, divorce, etc.) during the year, you are permitted to make certain changes in your benefits to accommodate your new situation. To make these changes under COBRA, contact the Westinghouse Benefits Center. You can also contact the Benefits Center by calling Benefits Connection at , entering your personal information, then saying representative, then Benefits Center, then entering your password. 10

11 If Your Benefits are Continued through Company Continuation If Your Benefits are Continued through COBRA Address changes If you are a dependent or survivor of an active employee or you are permanently separated or your employment ended, change your address immediately by logging onto the Your Benefits Resources Web site at and following the prompts to change your address. If you are actively employed, laid off, on a leave of absence or are on disability, you will need to change your address in Westinghouse s database using the Employee Self Service system. Beneficiary Designation Life and Accident Insurance If you need to designate or change your beneficiary for your life insurance coverages, log onto the Your Benefits Resources Web site at and follow the appropriate prompts to designate your life insurance beneficiaries. Pension and Savings Plans If you are showing as married on the Your Benefits Resources TM Web site and you name your spouse as 100% beneficiary, the process is completed entirely on-line. You can also name contingent beneficiaries on-line, should your spouse not be living at the time of your death. If you are showing as married on the Your Benefits Resources TM Web site but you do NOT name your spouse as 100% beneficiary, an authorization form signed by your spouse with the signature notarized needs to be sent back to the Benefits Center. If you are showing as not married on the Your Benefits Resources TM Web site, a confirmation form needs to be sent back to the Benefits Center on which you confirm that you are not married. Special Information If You Are On Disability or a Leave of Absence When You Return From Your Disability or Leave of Absence If you return to work in the same calendar year as when your Disability or Leave of Absence began: You will be reinstated in the same health and welfare benefit elections that you had as an active employee. This includes all the health and welfare benefits that you had as an active employee, even those that you may not have continued while on your Leave of Absence. The only exceptions to this are as follows: If you are a Full-Time Employee who chose not to continue the grandfathered Additional/Supplemental Life Insurance during your Leave of Absence, you are not permitted to reenroll in this coverage when you return from your Leave of Absence or at any time in the future. Also, if you did not continue certain life and disability coverages while on your Leave of Absence, Evidence of Insurability may be required to re-enroll in those coverages upon your return to work. 11

12 If you are returning from short-term disability (salary continuance or Accident & Sickness) or a FMLA leave of absence in a different calendar year from when your disability or leave began: If you were on 100% salary continuance on the day before your return: The benefits (both the coverage and coverage categories) that you have, or elected during the annual enrollment period, will be in effect. Otherwise: Except for the Health Care Flexible Spending Account, the Day Care Flexible Spending Account, and the Aetna Health Savings Account (HSA), the benefits (both the coverage and coverage categories) that you have, or elected during the annual enrollment period, will be in effect. Annual enrollment elections in the Health Care Flexible Spending Account, the Day Care Flexible Spending Account, and the Aetna Health Savings Account (HSA) will not be carried into the new calendar year. If, upon your return, you want to elect to contribute to the Health Care Flexible Spending Account, the Day Care Flexible Spending Account, and the Aetna Health Savings Account (HSA) or want to change any of the coverages in which you were enrolled upon your return, call the Benefits Center within 14 days of the date on your Confirmation of Coverage. If you are returning from disability or a leave of absence in a different calendar year from when your disability or leave began, and your benefits were continued under COBRA while you were on your leave: Except for the Health Care Flexible Spending Account, the Day Care Flexible Spending Account, and the Aetna Health Savings Account (HSA), the benefits (both the coverage and coverage categories) that you had in place prior to you going out on your leave will automatically be reinstated when you return. You will receive a Confirmation of Coverage in your home mail.. If you want to elect to contribute to the Health Care Flexible Spending Account, the Day Care Flexible Spending Account, and the Aetna Health Savings Account (HSA) or want to change any of the coverages in which you were enrolled upon your return, call the Benefits Center within 14 days of the date on your Confirmation of Coverage. Additional Information If You Are On Disability When You Return From Your Total Disability When your doctor releases you to return to work, please do the following: 1. Notify your Site in advance of your return date and be sure to comply with all the local return-towork requirements, such as clearing through your site medical department, if applicable. 2. Notify Aetna when you return to work at or via If You Do Not Return to Work Within 2 Years of Your Last Day Worked If you do not return to work within 2 years from your last day worked, your employment with Westinghouse will be terminated. Your benefits coverage, however, may continue past your employment termination date. If You Are Eligible to Retire Within 2 Years of Your Last Day Worked If you are eligible to Retire (including being eligible to Retire under the 70-Points Rule) before your employment is terminated (i.e., 2 years from your last day worked), you will automatically be placed in the payroll status and retirement category that is associated with your age and years of Eligibility Service; i.e, 12

13 Normal Retirement, Early Retirement or 70 Points Retirement. You do not have a choice regarding in which retirement status you are placed. You also do not have the choice to have a Separation status if you are retirement-eligible on the date that your employment ends. You will be subject to the retirement plan provisions, including contributions, as of the date you retire, and disability provisions will no longer continue past your retirement date, except for disability income benefits if you remain eligible. If, during your period of disability, you went on and off the Disability Roll for one or more periods of time, your "2-year pension service accrual stop date" may be earlier than your "2-years from last day worked" date, resulting in eligibility for an earlier retirement date. If you went on and off the Disability Roll for one or more periods of time, and you are eligible to retire before 2 years from your last day worked, you should contact the Westinghouse Benefits Center for information regarding your "2-year pension service accrual stop date," as that may be the date that is optimal for you to retire. You need to start the retirement process 90 days before your actual retirement date. If your retirement date is before the 2-years from last day worked date, you need to inform your human resources representative of your retirement date so that your retirement date can be recorded in company records. If You Have Questions Please refer to the Internet and Callers Guide for information on whom to contact if you have benefitsrelated questions. If you need a copy of the Internet and Callers Guide, log onto the Your Benefits Resources Web site at hover over Knowledge Center, then click on Plan Information, and choose the Internet and Callers Guide at the appropriate prompt. You can contact the Westinghouse Benefits Center by sending a question via the Contact Us page on the Your Benefits Resources Web site (click on Contact Us at the top of the screen), which you can access at or by calling Benefits Connection at , entering personal information, then saying representative, then Benefits Center, then entering your password. Representatives are available from 11 am 3 pm Eastern Time, Monday Friday. If any information in this Events Guide differs from the Plan Document and Insurance Contracts, the Documents and Contracts will govern in all cases. Westinghouse presently intends to continue these programs and plans for participants indefinitely. However, Westinghouse reserves the right to modify, amend or terminate any or all of the provisions of these programs and plans at any time for any reason upon appropriate action by the Administrative Committee. 13

Retiree Medical Plan. Employee Benefits. Boeing Medicare Supplement Plan Summary Plan Description/2006. Retiree Medical Plan

Retiree Medical Plan. Employee Benefits. Boeing Medicare Supplement Plan Summary Plan Description/2006. Retiree Medical Plan Employee Benefits Retiree Medical Plan Retiree Medical Plan Boeing Medicare Supplement Plan Summary Plan Description/2006 Retired Union Employees Formerly Represented by SPEEA (Professional and Technical

More information

About Your Benefits 1

About Your Benefits 1 About Your Benefits 1 BENEFIT HIGHLIGHTS Your Benefits. Provide Immediate Eligibility for You and Your Family As a Full-time or Part-time Employee, you are eligible for coverage under most benefits on

More information

Disability. Guidelines for Disability Leave. Lawrence Livermore National Security, LLC

Disability. Guidelines for Disability Leave. Lawrence Livermore National Security, LLC Lawrence Livermore National Security, LLC This checklist explains how your benefits are affected when you are on disability. You may wish to review this information with the Benefits Office to be sure

More information

Westinghouse Electric Company Benefits Summary

Westinghouse Electric Company Benefits Summary Electric Company Benefits Summary Health and Well Being Financial Protection Retirement Benefits Vacation and Holidays Other Company-Provided Benefits Revised April 2015 MEDICAL BENEFITS Carriers: HEALTH

More information

Amtrak Agreement-Covered Employee Benefits Handbook

Amtrak Agreement-Covered Employee Benefits Handbook Amtrak Agreement-Covered Employee Benefits Handbook TABLE OF CONTENTS 1 SECTION 1: Introduction 5 SECTION 2: Life Events That Affect Your Benefits 27 SECTION 3: Eligibility And Participation 39 SECTION

More information

Participating in the Life and Accidental Death and Dismemberment (AD&D) Insurance Plans

Participating in the Life and Accidental Death and Dismemberment (AD&D) Insurance Plans Participating in the Life and Accidental Death and Dismemberment (AD&D) Insurance Plans This document serves as the Summary Plan Description (SPD) for the Campbell Soup Company Life Insurance and Accidental

More information

2014 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE INFORMATIONAL BROCHURE

2014 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE INFORMATIONAL BROCHURE 2014 2014 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE INFORMATIONAL BROCHURE Group Life Insurance Administrator c/o Employes Retirement System 789 North Water Street Suite 300 Milwaukee, Wisconsin

More information

2016 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE SELF-SERVICE ENROLLMENT INFORMATIONAL BROCHURE

2016 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE SELF-SERVICE ENROLLMENT INFORMATIONAL BROCHURE 2014 2016 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE SELF-SERVICE ENROLLMENT INFORMATIONAL BROCHURE Group Life Insurance Administrator c/o Employes Retirement System 789 North Water Street Suite

More information

Summary Plan Description for Eaton Employees

Summary Plan Description for Eaton Employees EatonBenefits.com Summary Plan Description Effective January 1, 2015 Health and Insurance Benefits Summary Plan Description for Eaton Employees EATON EMPLOYEE BENEFIT PLANS OVERVIEW This Summary Plan Description

More information

Sprint Flex Plans Life Events Section

Sprint Flex Plans Life Events Section Sprint Flex Plans Life Events Section What is Inside Sprint Flex Plans... 3 General Rule... 3 Process and Deadlines... 4 Effectiveness of Changes... 5 Enrollment/Election Change Appeals... 7 Index of Life

More information

Disability, Life, and Accident Plans

Disability, Life, and Accident Plans Disability, Life, and Accident Plans Summary Plan Description 2009 and 2010 Union-Represented Employees SPEEA and AMPA The summary plan description (SPD) for this Plan is this booklet. Any benefit changes

More information

MERCK LIFE INSURANCE PLAN SUMMARY PLAN DESCRIPTION

MERCK LIFE INSURANCE PLAN SUMMARY PLAN DESCRIPTION MERCK LIFE INSURANCE PLAN SUMMARY PLAN DESCRIPTION Effective Jan. 1, 2016 This Summary Plan Description (SPD) describes the life insurance and accidental death and dismemberment benefits provided under

More information

COBRA Basics Q&A the following questions were asked during the two

COBRA Basics Q&A the following questions were asked during the two COBRA Basics Q&A the following questions were asked during the two COBRA Basics webinar sessions in January 2014 Q: Is COBRA triggered by an insurance qualifying event for a current employee who is not

More information

Income Protection. Archdiocese of St. Louis Policy# 677885. Supplemental Life Insurance. Administration Guide for Supplemental Life Insurance :

Income Protection. Archdiocese of St. Louis Policy# 677885. Supplemental Life Insurance. Administration Guide for Supplemental Life Insurance : Income Protection Supplemental Life Insurance Administration Guide for Supplemental Life Insurance : Archdiocese of St. Louis Policy# 677885 Eligibility Enrollment Period All full-time active employees

More information

Chapter 10 Health Insurance Coverage and Related Benefits

Chapter 10 Health Insurance Coverage and Related Benefits Chapter 10 Health Insurance Coverage and Related Benefits State of New York Department of Civil Service, Employee Benefits Division 518-457-5754 or 1-800-833-4344 (United States, Canada, Puerto Rico, Virgin

More information

Companion Life Insurance Company. Administrative Guide

Companion Life Insurance Company. Administrative Guide Companion Life Insurance Company Administrative Guide Contents Section.Title About Your Companion Life Administrative Guide I. Online Services II. New Enrollments Who is Eligible for insurance? Processing

More information

MERCK MERCK LIFE INSURANCE PLAN SUMMARY PLAN DESCRIPTION

MERCK MERCK LIFE INSURANCE PLAN SUMMARY PLAN DESCRIPTION MERCK MERCK LIFE INSURANCE PLAN SUMMARY PLAN DESCRIPTION Effective Jan. 1, 2015 This Summary Plan Description (SPD) describes the life insurance and accidental death and dismemberment benefits provided

More information

Notice to Employees on a Personal Leave of Absence Regarding Benefits

Notice to Employees on a Personal Leave of Absence Regarding Benefits Notice to Employees on a Personal Leave of Absence Regarding Benefits This notice contains information to help you understand the impact of a Personal Leave of Absence on Benefits. Although the information

More information

CHOICES LIFE INSURANCE PLAN DETAILS 2013 PLAN YEAR

CHOICES LIFE INSURANCE PLAN DETAILS 2013 PLAN YEAR CHOICES LIFE INSURANCE PLAN DETAILS 2013 PLAN YEAR UPDATED JULY 1, 2013 CONTENTS TABLE OF CONTENTS Introduction... 1 Overview... 2 Employee Life Insurance... 3 Basic Life Insurance... 3 Additional Life

More information

Highlights. Your Benefits...

Highlights. Your Benefits... About Your Benefits Your benefits have been designed to support you during the different times of your life providing comprehensive financial security while you are working as well as income security after

More information

Illness or Disability

Illness or Disability Illness or Disability There is no formal accrual of sick leave for academics. In the contract units, however, sick leave credit is assumed to accrue only to substantiate an official record for receipt

More information

2017 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE SELF-SERVICE ENROLLMENT INFORMATIONAL BROCHURE

2017 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE SELF-SERVICE ENROLLMENT INFORMATIONAL BROCHURE 2014 2017 CITY OF MILWAUKEE VOLUNTARY AND FAMILY LIFE INSURANCE SELF-SERVICE ENROLLMENT INFORMATIONAL BROCHURE Group Life Insurance Administrator c/o Employes Retirement System 789 North Water Street Suite

More information

It's Your Fund - Your Money - Your Choice You can earn up to $2,400 per year

It's Your Fund - Your Money - Your Choice You can earn up to $2,400 per year UFCW Local 1776 and Participating Employers Health and Welfare Fund 3031 B Walton Road, Plymouth Meeting, PA 19462 Phone (610) 941-9400 Fax (610) 941-5325 www.ufcw1776benefitfunds.org fund@1776funds.org

More information

Supplemental Term Life Insurance Plan

Supplemental Term Life Insurance Plan Supplemental Term Life Insurance Plan JANUARY 1, 2006 Who Is Eligible Service Requirement Eligibility Date Dependent Age Limit Employee-Only Coverage Options Spouse-Only Coverage Options Children-Only

More information

State Group Insurance Program. Continuing Insurance at Retirement

State Group Insurance Program. Continuing Insurance at Retirement State Group Insurance Program Continuing Insurance at Retirement State and Higher Education January 2015 If you need help... For additional information about a specific benefit or program, refer to the

More information

City of New York Health Benefits Program Frequently Asked Questions for Retirees

City of New York Health Benefits Program Frequently Asked Questions for Retirees City of New York Health Benefits Program Frequently Asked Questions for Retirees UPON YOUR RETIREMENT YOU WILL BE ENROLLED FOR HEALTH BENEFITS ON THE FIRST DAY OF YOUR RETIREMENT PROVIDED YOUR APPLICATION

More information

Aetna Open Choice PPO

Aetna Open Choice PPO Aetna Open Choice PPO The Aetna PPO has an in-network benefit level and an out-of-network benefit level. Each time you seek care, you can choose between two levels of coverage: Preferred care provided

More information

Leaving BHP Billiton in 2012

Leaving BHP Billiton in 2012 Angostura5.JPG Leaving BHP Billiton in 2012 Important Information about your benefits If your employment with BHP Billiton is ending soon, it s important for you to understand how each of your benefits

More information

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016

SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 SIMNSA Health Plan & Other Benefits Summary of Coverage For Salaried TEAM Members Effective January 1, 2016 This Summary of Coverage contains only the highlights of the employee welfare benefit plans available

More information

Continuing Coverage under COBRA

Continuing Coverage under COBRA Continuing Coverage under COBRA The right to purchase a temporary extension of health coverage was created by the Consolidated Omnibus Budget Reconciliation Act of 1985, a federal law commonly known as

More information

Planning Your Service Retirement

Planning Your Service Retirement Planning Your Service Retirement California Public Employees Retirement System Planning Your Service Retirement If you re planning to retire, you have some important decisions to make. This brochure includes

More information

THE AVAYA INC. LIFE INSURANCE PLANS Active Represented SUMMARY PLAN DESCRIPTION. Effective 1/1/2013 Last Updated 3/31/2013

THE AVAYA INC. LIFE INSURANCE PLANS Active Represented SUMMARY PLAN DESCRIPTION. Effective 1/1/2013 Last Updated 3/31/2013 THE AVAYA INC. LIFE INSURANCE PLANS Active Represented SUMMARY PLAN DESCRIPTION Effective 1/1/2013 Last Updated 3/31/2013 Helpful search tools: Table of Contents (TOC): Each item on the TOC is a hyperlink

More information

A Plan Designed to Provide Security for Employees of

A Plan Designed to Provide Security for Employees of A Plan Designed to Provide Security for Employees of Ameren Group Life Insurance Plan for Employees Represented by a Collective Bargaining Agreement with: AmerenUE and IBEW Local Union 2 AmerenEnergy Resources

More information

FAQs about COBRA. FAQs About COBRA Continuation Health Coverage. 1 Discovery Benefit Solutions (DBS): 888 490 7530

FAQs about COBRA. FAQs About COBRA Continuation Health Coverage. 1 Discovery Benefit Solutions (DBS): 888 490 7530 FAQs About COBRA Continuation Health Coverage What is COBRA continuation health coverage? Congress passed the landmark Consolidated Omnibus Budget Reconciliation Act (COBRA) health benefit provisions in

More information

Retirement Plan. Employee Benefits

Retirement Plan. Employee Benefits Employee Benefits Retirement Plan Summary Plan Description Union-Represented Aerospace Employees UAW 864, 887, 952, 1519, and 1558; IBPATA 36; IBCJA 721; IBEW 2295; and SMWIA 461 The summary plan description

More information

Retirement Planning Guide

Retirement Planning Guide District Retirement System 401(a) and 457(b) Plans Retirement Planning Guide Disclaimer: This Guide is not a contract. Its purpose is to provide summary information about retiree benefits. It does not

More information

UNIVERSITY OF ROCHESTER LONG-TERM DISABILITY PLAN

UNIVERSITY OF ROCHESTER LONG-TERM DISABILITY PLAN UNIVERSITY OF ROCHESTER LONG-TERM DISABILITY PLAN The Long-Term Disability (LTD) Plan provides a monthly income benefit when an individual is totally disabled for more than six months. The benefit provided

More information

After You Retire. What Every Pension Recipient Should Know

After You Retire. What Every Pension Recipient Should Know After You Retire What Every Pension Recipient Should Know State of Michigan State Employees' Retirement System July 2015 After You Retire What Every Pension Recipient Should Know About the Office of Retirement

More information

Comparison of Federal and Connecticut Continuation Laws

Comparison of Federal and Connecticut Continuation Laws COBRA CONNECTICUT Comparison of Federal and Connecticut Continuation Laws FEDERAL (COBRA) CONNECTICUT Covered Employers and Plan Coverage Qualified Beneficiaries (Employee / Dependents) Continuation Period

More information

Your Personnel Assistant The Key Person to Assist You

Your Personnel Assistant The Key Person to Assist You FMLA and Extended Illness Long Term Disability Death In situations of extended illness, disability, or death, you and your family members will need to know specific details regarding benefit information.

More information

USE THIS FORM IF YOU ARE TRYING TO...

USE THIS FORM IF YOU ARE TRYING TO... USE THIS FORM IF YOU ARE TRYING TO... LIFE INSURANCE FORMS: If You Are Trying To: Use This Form Enrollments & Waivers For each new permanent and temporary employee, the authorized agent must complete the

More information

GROUP UNIVERSAL LIFE (GUL) & ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) PROGRAM FREQUENTLY ASKED QUESTIONS (FAQs) MAY 2015

GROUP UNIVERSAL LIFE (GUL) & ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) PROGRAM FREQUENTLY ASKED QUESTIONS (FAQs) MAY 2015 GROUP UNIVERSAL LIFE (GUL) & ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) PROGRAM FREQUENTLY ASKED QUESTIONS (FAQs) MAY 2015 Minnesota Life is the underwriter of the State of Delaware s GUL and AD&D Program.

More information

Benefits Handbook Date July 1, 2010. Spouse Life Insurance Plan MMC

Benefits Handbook Date July 1, 2010. Spouse Life Insurance Plan MMC Date July 1, 2010 MMC This plan is an employee-paid group term life insurance plan that helps you provide for your family s financial security. The Plan pays money to you if your covered spouse or approved

More information

Dear State of Florida Retiree:

Dear State of Florida Retiree: P.O. Box 6830 Tallahassee, FL 32314 Tel: 866-663-4735 Fax: 800-422-3128 TTY: 866-221-0268 Dear State of Florida Retiree: Congratulations on your retirement! As a new retiree, you need to be aware of State

More information

Should you have any questions pertaining to any of the content, please contact the Benefits team at HRBenefits@rochestergeneral.org or 922-1100.

Should you have any questions pertaining to any of the content, please contact the Benefits team at HRBenefits@rochestergeneral.org or 922-1100. Welcome to Rochester Regional Health! This online presentation on the Rochester General Health Benefits Program is designed to provide you an overview of the comprehensive benefits package Rochester Regional

More information

January 1, 2009. Optional Life Insurance Plan MMC

January 1, 2009. Optional Life Insurance Plan MMC January 1, 2009 MMC This is an employee-paid group-term life insurance plan that helps you provide for your family s financial security. The Plan pays money to someone you name as your beneficiary if you

More information

University of Chicago Long-Term Disability Summary Plan Description

University of Chicago Long-Term Disability Summary Plan Description University of Chicago Long-Term Disability Summary Plan Description June 2007 University of Chicago Long-Term Disability Plan Page 1 Table of Contents Your LTD Benefits... 3 Participating in LTD... 3 Eligibility...

More information

Basic Life Insurance for Active Employees: $5,000. Your employer pays the premiums for this coverage.

Basic Life Insurance for Active Employees: $5,000. Your employer pays the premiums for this coverage. Section 4: Optional Benefits State of Oregon PEBB offers eligible employees the opportunity to select optional benefits. This section summarizes the following plans. Optional Employee and Spouse or Domestic

More information

Supplemental Insurance Plans

Supplemental Insurance Plans Supplemental Insurance Plans Honda offers a number of supplemental insurance programs to meet the varying needs of our associates. For More Information Administrative details and procedures for appealing

More information

Group Health Insurance

Group Health Insurance Group Health Insurance Group Health Insurance ET-4112 (REV 4/16/15) Table of Contents Introduction...2 Obtaining Coverage When Not Currently Covered...2 Requirements to Continue Coverage...2 Regular Retirement...2

More information

Same-Sex Domestic Partner Benefits

Same-Sex Domestic Partner Benefits Same-Sex Domestic Partner Benefits UPS Health and Welfare Package UPS Health and Welfare Package for Retired Employees UPS Health and Welfare Package Select UPS Health and Welfare Package Select for Retired

More information

It is our sincere hope that this information will be helpful as you go through these difficult times.

It is our sincere hope that this information will be helpful as you go through these difficult times. Benefit Guide Extended Illness Disability or Death In situations of extended illness, disability, or death, you and your family members will need to know specific details regarding benefit information.

More information

EPK & Associates, Inc. MBA Health Insurance Trust Administrative Manual Regence. MBA HEALTH INSURANCE TRUST Administrative Manual

EPK & Associates, Inc. MBA Health Insurance Trust Administrative Manual Regence. MBA HEALTH INSURANCE TRUST Administrative Manual EPK & Associates, Inc. MBA Health Insurance Trust Administrative Manual MBA HEALTH INSURANCE TRUST Administrative Manual Key Contacts For answers to questions about benefits issues and for help with claims

More information

State Street Health and Insurance Benefits Programs Summary Plan Description. STATE STREET CORPORATION January 1, 2014

State Street Health and Insurance Benefits Programs Summary Plan Description. STATE STREET CORPORATION January 1, 2014 State Street Health and Insurance Benefits Programs Summary Plan Description STATE STREET CORPORATION January 1, 2014 This booklet is a Summary Plan Description (SPD) of the State Street Corporation Employee

More information

FLEXIBILITY CHOICES COMPETITIVE COVERAGE PROTECTION

FLEXIBILITY CHOICES COMPETITIVE COVERAGE PROTECTION BENEFITS FLEXIBILITY CHOICES COMPETITIVE COVERAGE PROTECTION HEALTH CARE RETIREMENT WORK/LIFE BENEFITS FLEXIBILITY CHOICES COMPETITIVE COVERAGE PROTECTION HEALTH CARE RETIREMENT WORK/LIFE BENEFITS FLEXIBILITY

More information

St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013

St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013 St. Louis Community College Summary of Insurance Benefits Effective June 1, 2013 Employees are eligible to enroll on the first day of employment and coverage becomes effective on the date the enrollment

More information

A Guide to RETIREMENT BENEFITS

A Guide to RETIREMENT BENEFITS A Guide to RETIREMENT BENEFITS Revised June 2014 TABLE OF CONTENTS Retirement Plan State Employees Retirement System (SERS) 1 Retirement Eligibility 2 Benefit Payment Options 3 Cost of Living Adjustment

More information

Federal Continuation Health Coverage Laws

Federal Continuation Health Coverage Laws Provided by: Capital Insurance Group Federal Continuation Health Coverage Laws PROVISION REQUIREMENTS COBRA applies to group health plans maintained by: Covered Employers Private-sector employers with

More information

Retirement/ Disability Retirement

Retirement/ Disability Retirement 2015 Insurance Benefits Guide Retirement/ Disability Retirement www.eip.sc.gov S.C. Public Employee Benefit Authority 173 Insurance Benefits Guide 2015 Table of Contents Benefits for Retirees...175 Planning

More information

Health Insurance Coverage and Related Benefits

Health Insurance Coverage and Related Benefits SEPTEMBER 2008 Health Insurance Coverage and Related Benefits Important Information for Employees of the State of New York Health Insurance Eligibility...2-5 Paying for Health Insurance...6-7 Sick Leave

More information

Annual Benefits Election 2012

Annual Benefits Election 2012 Medical Insurance Last Name First Name M.I. Address Date Employed Full-Time City Annual Salary State Zip Position Home Phone ( ) Work Location Social Security # Work Phone ( ) UnitedHealthcare Standard

More information

Your Income Protection Plan Benefits

Your Income Protection Plan Benefits Your Income Protection Plan Benefits Contents Your Income Protection Plan Benefits...1 About This SPD... 1 Getting More Information... 1 Changes to the Plan... 2 Participating in the IPP...3 Eligibility...

More information

M&T Bank offers a CDHP that combines traditional medical coverage with a health savings account feature that provides certain tax benefits.

M&T Bank offers a CDHP that combines traditional medical coverage with a health savings account feature that provides certain tax benefits. Benefits Overview M&T Bank understands how important benefits are to you and your family. The benefit plans are designed to meet the varying benefit needs of each employee. Since benefits are a significant

More information

Mississippi State and School Employees Life Insurance Plan Group Term Life Insurance

Mississippi State and School Employees Life Insurance Plan Group Term Life Insurance Mississippi State and School Employees Life Insurance Plan Group Term Life Insurance The Health Insurance Management Board is authorized by state law to provide certain specified group life insurance benefits

More information

Your Survivor Benefits

Your Survivor Benefits Your Survivor Benefits Contents Your Survivor Benefits... 3 About This SPD...3 Changes to the Plans...4 Participating in the Plans... 5 Eligibility...5 Enrolling When First Eligible...7 Changing Your Elections...9

More information

TABLE OF CONTENTS. Introduction... 1 Resolution of Conflict Between Documents... 1

TABLE OF CONTENTS. Introduction... 1 Resolution of Conflict Between Documents... 1 CTA RETIREE HEALTH CARE PLAN PLAN SUMMARY Medical, Prescription Drug and Dental Coverage ffor Rettiirees//Diisablled Pensiioners//Surviiviing Spouses 2011 Editti ion TABLE OF CONTENTS Page Introduction...

More information

Confused about COBRA?: Understanding Federal and State Continuation of. Health Insurance Coverage. By Edie Lindsay, Troutman Sanders

Confused about COBRA?: Understanding Federal and State Continuation of. Health Insurance Coverage. By Edie Lindsay, Troutman Sanders This article presents general guidelines for Georgia nonprofit organizations as of the date written and should not be construed as legal advice. Always consult an attorney to address your particular situation.

More information

LONG TERM DISABILITY BENEFITS

LONG TERM DISABILITY BENEFITS LONG TERM DISABILITY BENEFITS I. PURPOSE PPM: 300.40 Issued: NOV 1990 Revised: NOV 1997 A. The ability to work and earn an income is one of our most valuable resources, but one which is too often overlooked

More information

Instructions for Family Care Leave (FCL) of Absence Application New York and New England Bargained for Employees

Instructions for Family Care Leave (FCL) of Absence Application New York and New England Bargained for Employees Instructions for Family Care Leave (FCL) of Absence Application New York and New England Bargained for Employees Please read the Instructions, the Application and the Conditions for Leave completely before

More information

PITTSBURGH BOARD OF EDUCATION BENEFIT PLANS SUMMARY 2013

PITTSBURGH BOARD OF EDUCATION BENEFIT PLANS SUMMARY 2013 PITTSBURGH BOARD OF EDUCATION BENEFIT PLANS SUMMARY 2013 SECTION I: SECTION II: SECTION III: HEALTH INSURANCE INFORMATION DENTAL INSURANCE INFORMATION LIFE INSURANCE COVERAGE ACCIDENTAL DEATH & DISMEMBERMENT

More information

Termination of Employment

Termination of Employment Termination of Employment The checklist listed below summarizes information you should know when you terminate employment with our Company. Your benefit coverage ends as noted below Medical, dental, vision,

More information

CSU Benefits Plan (Cost Share) Privileges and Benefits for Calendar Year 2014. (970) 491-MyHR (6947)

CSU Benefits Plan (Cost Share) Privileges and Benefits for Calendar Year 2014. (970) 491-MyHR (6947) Academic Faculty * Administrative Professionals * Post Doctoral Fellow * Veterinary and Clinical Psychology Interns CSU Benefits Plan (Cost Share) Privileges and Benefits for Calendar Year 2014 (970) 491-MyHR

More information

EMPLOYEE BENEFITS. Permanent and Active full-time or 3/4-time* Employment Status.

EMPLOYEE BENEFITS. Permanent and Active full-time or 3/4-time* Employment Status. HEALTH & DENTAL CARE The City of Des Moines provides you with health and dental care options designed to help you and your family receive the best possible care. Benefits: Permanent and Active full-time

More information

Campbell Long-Term Disability (LTD) Plan

Campbell Long-Term Disability (LTD) Plan Campbell Long-Term Disability (LTD) Plan The Campbell Soup Company Long-Term Disability (LTD) Plan is designed to provide you with income protection if you re unable to work for an extended period of time

More information

UNO-VEN Retirement Plan. Summary Plan Description As in effect January 1, 2012

UNO-VEN Retirement Plan. Summary Plan Description As in effect January 1, 2012 Summary Plan Description As in effect January 1, 2012 In the event of any conflict between this Summary Plan Description (SPD) and the actual text of the UNO-VEN Retirement Plan, the more detailed provisions

More information

Number 13.10 - MEDICAL, LIFE AND DENTAL BENEFITS UPON SEPARATION FROM ACTIVE EMPLOYMENT

Number 13.10 - MEDICAL, LIFE AND DENTAL BENEFITS UPON SEPARATION FROM ACTIVE EMPLOYMENT Number 13.10 - MEDICAL, LIFE AND DENTAL BENEFITS UPON SEPARATION FROM ACTIVE EMPLOYMENT Effective Date: March 1, 1999 Revision Date: October 1, 1999 Applicable To: Issued By: Approved By: All classified

More information

COBRA CONTINUATION OF COVERAGE

COBRA CONTINUATION OF COVERAGE COBRA CONTINUATION OF COVERAGE Consolidated Omnibus Budget Reconciliation Act (COBRA) COBRA is an acronym for the federal law known as the Consolidated Omnibus Budget Reconciliation Act of 1985. A provision

More information

VI The Defined Benefit Member (Tiers I and II)

VI The Defined Benefit Member (Tiers I and II) VI The Defined Benefit Member (Tiers I and II) Enrollment Members who first entered the TRS: Before July 1, 1990, are in Tier I; On or after July 1, 1990, are in Tier II. Tier status is established when

More information

FAQs for Employees about COBRA Continuation Health Coverage

FAQs for Employees about COBRA Continuation Health Coverage FAQs for Employees about COBRA Continuation Health Coverage U.S. Department of Labor Employee Benefits Security Administration March 2011 Q1: What is COBRA continuation health coverage? Congress passed

More information

MONTANA TECH EMPLOYEE BENEFITS

MONTANA TECH EMPLOYEE BENEFITS 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

More information

User Guide. COBRA Employer Manual

User Guide. COBRA Employer Manual Experience Excellence COBRA Manual User Guide COBRA Employer Manual COBRA Responsibilities and Deadlines Under COBRA, specific notices must be provided to covered employees and their families explaining

More information

COUNTY OF KERN. HEALTH BENEFITS ELIGIBILITY POLICY for participants without Active Employee Medical Coverage. Rev 6/13

COUNTY OF KERN. HEALTH BENEFITS ELIGIBILITY POLICY for participants without Active Employee Medical Coverage. Rev 6/13 COUNTY OF KERN HEALTH BENEFITS ELIGIBILITY POLICY for participants without Active Employee Medical Coverage Rev 6/13 Date: June 2013 To: From: Kern County Health Benefits Plan Participants Kern County

More information

Non-Contributory Retirement Plan

Non-Contributory Retirement Plan Non-Contributory Retirement Plan Summary Plan Description 2008 Edition/Union-Represented Employees UAW 1069 The summary plan description (SPD) for this Plan is this booklet and any summaries of material

More information

Short-Term Disability and Leaves of Absence Frequently Asked Questions All States

Short-Term Disability and Leaves of Absence Frequently Asked Questions All States Short-Term Disability and Leaves of Absence Frequently Asked Questions All States GENERAL INFORMATION...2 FAMILY AND MEDICAL LEAVE ACT (FMLA)...4 PREGNANCY...5 VACATION AND CONTINUATION OF BENEFITS DURING

More information

Summary Plan Description As In Effect January 1, 2013

Summary Plan Description As In Effect January 1, 2013 Employee And Dependent Life Insurance Provisions Of The CITGO Petroleum Corporation Medical, Dental, Vision, & Life Insurance Program For Hourly Employees Summary Plan Description As In Effect January

More information

Disability, Life, and Accident Plans

Disability, Life, and Accident Plans Disability, Life, and Accident Plans Summary Plan Description 2002 Edition/Union-Represented Employees SPEEA WTPU The summary plan description (SPD) for this Plan is this booklet and any summaries of material

More information

For What Matters THE RIGHT COVERAGE FOR THE LIFE YOU LEAD

For What Matters THE RIGHT COVERAGE FOR THE LIFE YOU LEAD 2012 For What Matters THE RIGHT COVERAGE FOR THE LIFE YOU LEAD Benefits at a Glance For regular full-time and regular part-time employees HUMAN RESOURCES CONTACT CENTRE (HRCC) If you have any questions,

More information

Guide to Insurance Benefits for Retiring State Employees

Guide to Insurance Benefits for Retiring State Employees Guide to Insurance Benefits for Retiring State Employees *This Guide provides direction regarding most administrative processes that impact insurance for State employees and dependents. In any case, where

More information

Retirement PLANNING FOR. February 2015. Important Information for Employees of New York State

Retirement PLANNING FOR. February 2015. Important Information for Employees of New York State February 2015 Retirement PLANNING FOR Important Information for Employees of New York State Health Insurance Coverage and Related Benefits in Retirement New York State Department of Civil Service Employee

More information

The Dun & Bradstreet Life Insurance Plan Summary Plan Description for Active Team Members

The Dun & Bradstreet Life Insurance Plan Summary Plan Description for Active Team Members The Dun & Bradstreet Life Insurance Plan Summary Plan Description for Active Team Members ii Table of Contents HOW TO REACH YOUR LIFE INSURANCE PLAN SERVICE PROVIDER... 3 ABOUT YOUR PARTICIPATION... 4

More information

FREQUENTLY ASKED QUESTIONS QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN WITH A HEALTH SAVINGS ACCOUNT

FREQUENTLY ASKED QUESTIONS QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN WITH A HEALTH SAVINGS ACCOUNT FREQUENTLY ASKED QUESTIONS QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN WITH A HEALTH SAVINGS ACCOUNT Qualified High Deductible Health Plans (QHDHP) What is a QHDHP? A QHDHP is a medical plan regulated by the

More information

Disability Coverage. This brochure can also be made available in alternative formats, such as large print, Braille, or on tape. Rev.

Disability Coverage. This brochure can also be made available in alternative formats, such as large print, Braille, or on tape. Rev. Disability Coverage This brochure summarizes many features of your retirement plan and disability coverage. If a discrepancy develops between this summary and state law, the law will govern. This brochure

More information

Basic & Optional Life Insurance Coverage Available to Eligible Employees

Basic & Optional Life Insurance Coverage Available to Eligible Employees Basic & Optional Life Insurance Coverage Available to Eligible Employees The coverage described in this handbook applies to employees who are eligible to be insured under the terms of the plan as of January

More information

Your healthcare benefits (Post-1989 associate retirees)

Your healthcare benefits (Post-1989 associate retirees) Your healthcare benefits (Post-1989 associate retirees) Contents Your healthcare benefits...1 About this SPD... 1 Verizon Benefits Center... 3 Changes to the Plan... 3 Participating in the Plan...4 Eligibility...

More information

Electrical. Pension. Trustees. Pension Plan No. 2

Electrical. Pension. Trustees. Pension Plan No. 2 Electrical Pension Trustees Pension Plan No. 2 ABOUT THIS BOOKLET To understand your benefits from the Electrical Contractors Association and Local Union 134, I.B.E.W. Joint Pension Trust of Chicago Pension

More information

What Benefits Can I Change Mid Year?

What Benefits Can I Change Mid Year? What Benefits Can I Change Mid Year? Mid Year Benefits ment/change Summary* FAMILY STATUS EVENTS Options to Consider Marriage Add your legal spouse to your medical, dental, vision coverage Add newly acquired

More information

Survivor and Beneficiary Handbook For Family Members and Beneficiaries of UC Employees

Survivor and Beneficiary Handbook For Family Members and Beneficiaries of UC Employees UNIVERSITY OF CALIFORNIA Survivor and Beneficiary Handbook For Family Members and Beneficiaries of UC Employees Survivor and Beneficiary Handbook For Family Members and Beneficiaries of UC Employees After

More information

Military Leave Benefits Extended Again

Military Leave Benefits Extended Again March 2002 Military Leave Benefits Extended Again Boeing is revising its policy for employees who are on military leaves of absence as a result of the September 11 terrorist attacks. Effective immediately,

More information

SECTION 6.25 HEALTH INSURANCE Last Update: 06/09

SECTION 6.25 HEALTH INSURANCE Last Update: 06/09 SECTION 6.25 HEALTH INSURANCE Last Update: 06/09 Types of Insurance and Specific Carriers Health insurance is provided through Wellmark Blue Cross and Blue Shield. Blue Cross and Blue Shield coverage is

More information