benefits 2015 Benefit Highlights

Size: px
Start display at page:

Download "benefits 2015 Benefit Highlights"

Transcription

1 2015 Benefit Highlights Mayo School of Graduate Medical Education Residents and Fellows, Mayo School of Health Sciences Residents and Fellows, Research Fellows, Sr. Fellows, Associates and Temporary Professionals Mayo Clinic in Arizona, Florida, and Rochester benefits TO BUILD ON

2 Table of Contents Who is Eligible to Enroll? 1 Medical Plan Options 2 Medical Plan Premiums 4 Medical Plan Prescription Drugs 5 Dental Plans 6 Dental Plan Premiums 7 Flexible Spending Accounts (FSA) 8 Financial and Retirement 8 Time Away from Work 9 Survivor s Benefits and Optional Insurance 9 Work-Life Balance 10 Health and Wellness 11 Employee Services 11 Working at Mayo Clinic is making a difference. It s providing the highest quality patient care by placing the needs of the patient first. At Mayo Clinic, you ll discover a culture of teamwork, professionalism and mutual respect and most importantly, a lifechanging career. We are excited to share with you in the following pages a highlight of the wide variety of benefits offered to Mayo Clinic Appointees. This is the first of many tools and resources that we offer to help you manage your health and finances so that you can focus on the needs of the patient.

3 Who is Eligible to Enroll? Make sure you and your loved ones are covered. Your benefits commence on your first day of employment with Mayo Clinic. As life is full of change, Mayo Clinic also has an annual Open Enrollment for medical, dental and other benefits that gives you a chance to review and update your benefit elections to keep in step with your needs. You also have options to change your benefits when an eligible life event occurs. You are a benefits-eligible employee if your Full Time Equivalent (FTE) is 0.5 or greater. That means that you are on file with Human Resources as having a work schedule that is 40 hours pay iod or more. A 0.4 FTE working extra hours does not qualify as benefits-eligible. For coverage, eligible members include: A spouse or same-sex domestic partner (in states where same-sex marriage has not been legalized*) Biological or legally adopted children, and stepchildren (including children of same-sex domestic partner in states where same-sex marriage has not been legalized*) who are under age 26 An eligible child over the age of 26 who is physically or mentally incapable of self-support may continue coverage according to plan guidelines. Contact the Employee Service Center (ESC) for more information. Health Savings Account IRS guidelines outline eligibility requirements for participating in a Health Savings Account (HSA). To participate in a HSA, you must be enrolled in the Mayo Basic Plan option. You cannot open a HSA if you are: Covered under a health plan by your spouse or same-sex domestic partner that is not a High-Deductible Health Plan (HDHP) A student at Mayo Clinic College of Medicine Claimed as a dependent on another son s federal tax return A resident of Alabama, California or New Jersey Mayo Basic Plan You cannot enroll in the Mayo Basic Plan if you are: Participating in a Health Care Flexible Spending Account. This applies to you and your spouse or same-sex domestic partner (in states where same-sex marriage has not been legalized*). Participating in the Mayo Reimbursement Account. This applies to you and your spouse or same-sex domestic partner (in states where same sex marriage has not been legalized*). * Additional pawork is required for same-sex domestic partners in states where same-sex marriage has not been legalized. Children of a same-sex domestic partner must be financially dependent on the employee. Supporting documentation will be requested by Human Resources Benefit Highlights - Mayo Clinic Appointees 1

4 Medical Plans At Mayo Clinic, the needs of the patient come first and that includes you and your. That s why all Mayo Medical Plan options cover the same services. No need to compare your medical plan options based on services. Instead, look at the cost-sharing amounts the premiums, deductibles, copayments, and out-of-pocket maximums to determine what meets your preferences or needs. Cost-sharing Amounts Annual Deductible Annual Out-of-Pocket Maximum Mayo Premier Mayo Select Mayo Basic $300 son; $600 $2,000 son; $4,000 $450 son; $900 $3,000 son; $5,000 Out-of- Network $900 son; $1,800 $4,000 son; $6,000 $800 son; $1,600 $3,500 son; $7,000 $1,200 son; $2,400 $4,500 son; $8,000 Out-of- Network $1,600 son; $3,200 $5,500 son; $9,000 Employee: $1,700 E+Child(ren): $3,400 E+Spouse: $3,400 Family: $3,400 Employee: $5,000 E+Child(ren): $10,000 E+Spouse: $10,000 Family: $10,000 Employee: $1,900 E+Child(ren): $3,800 E+Spouse: $3,800 Family: $3,800 Employee: $6,000 E+Child(ren): $11,000 E+Spouse: $11,000 Family: $11,000 Out-of-Network Employee: $2,100 E+Child(ren): $4,200 E+Spouse: $4,200 Family: $4,200 Employee: $7,000 E+Child(ren): $12,000 E+Spouse: $12,000 Family: $12,000 Physician Visits a. Primary care b. Express care c. Urgent care d. Specialty care Preventive Care Services See Preventive Care Services chart Mayo Premier Mayo Select Mayo Basic b. $0 c. $0 b. $0 c. $0 Out-of- Network b. $0 c. $0 b. $0 c. $0 Out-of- Network $0 $0 NC $0 $0 NC $0 $0 NC Out-of- Network Diagnostic Tests and Labs 20% 20% 40% 20% 20% 40% 20% 20% 40% Maternity Care Services a. Prenatal and postnatal visits b. Delivery, inpatient services Emergency Services a. Emergency transportation to nearest qualified facility (includes air ambulance when authorized) b. Emergency room facility/ professional (physicians, nurses, etc.) b. $75 b. $75 b. $75 b. $75 b. $75 b. $75 * * * *After deductible is met Benefit Highlights - Mayo Clinic Appointees 2 NC = Not covered

5 Inpatient Hospital Services Prior authorization required by the Plan for services. Outpatient Hospital & Ambulatory Services Mayo Premier Mayo Select Mayo Basic Out-of- Network Out-of- Network 20% 20% 40% 20% 20% 40% 20% 20% 40% 20% 20% 40% 20% 20% 40% 20% 20% 40% Out-of- Network Rehabilitative Therapy, Chiropractic Care and Acupuncture Services a. Physical therapy (PT), Occupational therapy, Speech therapy b. Chiropractic care Limit of 20 spinal manipulations year ; 20-visit limit for PT ; 20-visit limit for PT ; 20-visit limit for PT c. Acupuncture Limit of 20 visits year c. NC c. NC c. NC c. NC c. NC c. NC Continued Care a. Home health care (90-day limit year) b. Home infusion therapy c. Hospice care (inpatient) d. Hospice care (outpatient) e. Skilled nursing care facility (30-day limit year) e. 40% e. 40% e. 40% Note: Custodial care not covered. Infertility Services Office visits and outpatient or hospital procedures 50% for eligible services 50% for eligible services NC 50% for eligible services 50% for eligible services NC 50% for eligible services 50% for eligible services NC Up to $15,000 lifetime maximum Mental Health and Chemical Dependency Services a. Specialty care visit b. Inpatient c. Outpatient d. Non-Residential Structured Treatment Program e. Residential Structured Treatment Program e. 40% e. 40% e. 40% Special Services a. Chemotherapy/radiation therapy b. Disposable supplies c. Durable, non-durable medical equipment d. Orthotics and prosthetics e. Tobacco cessation e. $0 e. $0 e. NC e. $0 e. $0 e. NC e. $0 e. $0 e. NC f. Tobacco Treatment Program f. $0 f. $0 f. NC f. $0 f. $0 f. NC f. $0 f. $0 f. NC NC = Not covered 2015 Benefit Highlights - Mayo Clinic Appointees 3

6 What you ll pay for Medical Plan Premiums in 2015 Mayo reviews the costs of Mayo Medical Plan options annually, adjusting premiums and/or cost-sharing amounts when necessary. Medical premiums are outlined in the table below with both pre-tax monthly and -pay-iod amounts. If you choose benefit coverage, the appropriate pre-tax premium rate will be deducted from your paycheck. Full-Time Employee Premiums ( FTE) Mayo Premier Mayo Select Mayo Basic Monthly Per Pay Period Monthly Per Pay Period Monthly Per Pay Period Employee $86 $43 $48 $24 $12 $6 Employee + Child(ren)* $171 $85.50 $95 $47.50 $23 $11.50 Employee + Spouse* $154 $77 $86 $43 $21 $10.50 Family* $257 $ $143 $71.50 $35 $17.50 Part-Time Employee Premiums ( FTE) Employee $129 $64.50 $72 $36 $18 $9 Employee + Child(ren)* $257 $ $143 $71.50 $35 $17.50 Employee + Spouse* $231 $ $129 $64.50 $32 $16 Family* $386 $193 $215 $ $53 $26.50 Spousal Surcharge: A $50 pre-tax monthly surcharge will be added to the medical plan for employees covering a spouse or same-sex domestic partner* who is offered medical coverage through his/her employer, does not elect that coverage, and is instead covered under the Mayo Medical Plan. Note: The premium is taken out of the first two pay iods month, so the amount shown pay iod is taken out of your paycheck 24 times year. *Same-sex domestic partners and their children are also eligible for coverage in states where same-sex marriage has not been legalized Benefit Highlights - Mayo Clinic Appointees 4

7 Mayo Medical Plan Comparisons of Prescription Drug Coverage Mayo Select/Mayo Premier * Mayo Basic * Prescription Drug Coverage Mayo Mail Service (up to 100-day supply) Mayo Outpatient Pharmacy (up to 100-day supply except where indicated) Catamaran Pharmacy (up to 34-day supply) Mayo Mail Service (up to 100-day supply) Mayo Outpatient Pharmacy (up to 100-day supply) Catamaran Pharmacy (up to 34-day supply) Formulary generic and preferred drug (Tier I) $10 maximum $10 maximum up to 34-day supply $10 maximum 5% 10% 25% Formulary Brand or injectable drug (Tier II) 25% ($10 minimum) 30% ($10 minimum) 40% ($15 minimum) 25% 30% 40% Formulary non-preferred drug (Tier III) 40% ($10 minimum) 40% ($10 minimum) 50% ($15 minimum) 40% 40% 50% Non-formulary drug (Tier IV)** 50% ($10 minimum) 50% ($10 minimum) 60% ($15 minimum) 50% 50% 60% Deductible None Combined with medical deductible Annual out-of-pocket maximum Combined with medical out-of-pocket maximum * Specialty prescriptions are covered under the Mayo Medical Plan when purchased at the Mayo Specialty Pharmacy as well as any participating Mayo Clinic or Mayo Clinic Health System outpatient pharmacy. ** Non-formulary (Tier IV) prescriptions do not apply to the Mayo Premier or Mayo Select plans out-of-pocket maximums Benefit Highlights - Mayo Clinic Appointees 5

8 Dental Plans Healthy teeth are a part of wellness. Mayo Clinic provides two dental options for all benefits-eligible employees to choose from. Delta Dental Delta Dental is an option that is a cost-sharing plan with a participating provider network. This plan provides flexibility, network savings and preventive services. Mayo Reimbursement Account (MRA) The MRA is an annual $1,150 employer contribution (prorated based on start date) that can be used toward dental and vision expenses. You have the choice of any provider. Delta Dental Mayo Reimbursement Account* Deductible $50 son / $150 N/A Annual Maximum (paid by plan) $1,000 son calendar year $1,150 calendar year Preventive (exams/cleaning) $0 $0** Basic Services 20% $0** Major Restorative Services (crowns/inlays) 50% $0** Lifetime Orthodontic Maximum (paid by plan) $1,500 individual lifetime $1,500 individual lifetime Vision Expenses N/A $0** *Not available if enrolled in Mayo Basic medical plan. **Results in $0 employee responsibility when services are reimbursed with MRA dollars. Month of Enrollment MRA Proration Amount Month of Enrollment MRA Proration Amount Month of Enrollment MRA Proration Amount January $1, May $ September $ February $1, June $ October $ March $ July $ November $ April $ August $ December $ Benefit Highlights - Mayo Clinic Appointees 6

9 Dental Plan Premiums for 2015 Dental premiums are outlined in the table below with both pre-tax monthly and -pay-iod amounts. If you choose benefit coverage, the appropriate pre-tax premium rate will be automatically deducted from your paycheck. Delta Dental Mayo Reimbursement Account (MRA) Full-Time Employee Premiums ( FTE) Monthly Per Pay Period Monthly Per Pay Period Employee $9 $4.50 $4 $2 Employee + Child(ren)* $18 $9 $4 $2 Employee + Spouse* $27 $13.50 $4 $2 Family* $35 $17.50 $4 $2 Part-Time Employee Premiums ( FTE) Employee $9 $4.50 $4 $2 Employee + Child(ren)* $27 $13.50 $4 $2 Employee + Spouse* $36 $18 $4 $2 Family* $48 $24 $4 $2 *Same-sex domestic partners and their children are also eligible for coverage in states where same-sex marriage has not been legalized. Note: The premium is taken out of the first two pay iods month, so the amount shown pay iod is taken out of your paycheck 24 times year Benefit Highlights - Mayo Clinic Appointees 7

10 Flexible Spending Accounts (FSA) Flexible Spending Accounts (FSA) are a benefit that can help you stretch your dollars. With an FSA, you can set aside pre-tax dollars through payroll to help pay for eligible expenses incurred by you or your. It is called a voluntary benefit because you choose to establish and fund it yourself. Health Care FSA* The Health Care FSA mits a reserve of pre-tax income (up to $2,500 maximum annual contribution employee) to pay for eligible medical and/or dental expenses incurred but not covered by other plans. Staff with a Health Care FSA will be allowed to roll-over $500 year. *Health Care FSA benefit is not available to participants in Mayo Basic. Dependent Care FSA The Dependent Care FSA mits a reserve of pre-tax income (up to $5,000 maximum annual contribution household) to pay for eligible child or other dependent care expenses. Financial and Retirement Mayo Clinic administers a competitive, predictable and market-leading salary program with regular increases, given satisfactory formance. Mayo Clinic also provides a comprehensive and competitive retirement package that will assist you in achieving your sonal financial security for your retirement. Pension Plan (Research Associates only) Mayo Clinic is among the few U.S. companies who continue to provide a pension benefit at no cost to their employees. The Mayo Clinic Pension is a defined benefit plan where contributions are made by your employer. Your final benefit payout can be predicted because it is determined by a formula rather than by investment results. 403(b) and 401(k) Retirement plans The optional 403(b) or 401(k) plan allows contributions of pre-tax or post-tax Roth dollars to an investment plan administered by Fidelity Investments. There are many investment options to choose from, including a self-directed brokerage account. You may generally defer up to 50% of annual salary or the annual IRS limit, whichever is less. The IRS limit for 2015 is $18,000 or $24,000 if you are 50 years of age or older. Enrollment is automatic at a 4% contribution rate of salary. Mayo Clinic will match 403(b)/401(k) contributions (Research Associates only) based on length of pension benefit service. Financial Engines As an added benefit, asset management services are available through Financial Engines, LLC. The first $5,000 is managed at no charge; otherwise a fee of $3.00 $1,000 invested is charged up to $100,000. You may opt out of this service at any time Benefit Highlights - Mayo Clinic Appointees 8

11 Time Away From Work Benefit Contribution by Description of Benefit ARIZONA FLORIDA ROCHESTER Short-Term Disability Long-Term Disability Mayo $0.38 $100 of monthly benefit Short-term disability covers the first three months of disability with full stipend/salary if stipend is paid by Mayo Clinic. If you are enrolled in the term life and disability insurance program, long-term disability benefits will commence after the first three months of total disability. Benefit allowable is 180% of stipend/salary subject to a maximum benefit of $55,000 year. If disabled term life, dental, hospitalization, major medical insurance coverage may be continued through arrangements with the Department of Human Resources. Survivor s Benefits and Optional Insurance Mayo Clinic offers employee paid optional insurance to care for yourself and loved ones and provide financial security should the unexpected occur. Employee Paid Optional Insurance Benefit Employee Cost Description of Benefit ARIZONA FLORIDA ROCHESTER Term Life Insurance Additional Plan Term Life Insurance Professional Liability Insurance Voluntary Accidental Death & Dismemberment (AD&D) Insurance Excess Personal Liability Long-Term Care Insurance Auto/Home/ Renter s Insurance $2.18 month/ single coverage $3.09 month/ married coverage $2.18 month $4.37 month $6.55 month No cost $0.15 $10,000 coverage/month $22 or $32 month Rates based on age at date of issue Varies Appointee: $50,000 death benefit Family: $25,000 death benefit on spouse $10,000 death benefit for each child Must be enrolled in the basic plan to be eligible Additional $50,000 death benefit on appointee Additional $100,000 death benefit on appointee Additional $150,000 death benefit on appointee Coverage for event regardless of when claim is made. You can purchase additional Voluntary AD&D coverage at a rate of $0.15 $10,000 of coverage. Coverage is available in $10,000 or $25,000 increments, up to a maximum of $225,000. Hirman Insurors provides protection of $3 million or $5 million in umbrella insurance coverage, beyond requisite sonal homeowner/renter and automobile insurance limits. Voluntary Group Long-Term Care Insurance through CNA Insurance Company is available to you as a benefits-eligible Mayo Clinic employee. It also is available to your spouse or same-sex domestic partner (in states where same-sex marriage has not been legalized), parents, grandparents and in-laws. Policies are underwritten by the Travelers Insurance Company with Hirman Insurors (FL - Auto Only). Premiums for this coverage are deducted from your payroll deposit. Identity Theft Insurance $69 year Identify Theft Insurance covers expenses that could be incurred in your efforts to restore your financial health and credit history after an identity theft. There is a $500 deductible, with coverage of up to $25,000 for reimbursement of expenses, and up to $100,000 for fraudulent charges (over and above insurance coverage provided by policyholder s financial institution) Benefit Highlights - Mayo Clinic Appointees 9

12 Work-Life Balance Whether searching for activities, finding child care for a sick child, or finding the right caregiver for an older member, resources are available to help. Benefit Contribution By Description of Benefit Leisure and Lifestyle Activities Program Sick Child Care Mayo Mayo and Employee ARIZONA FLORIDA ROCHESTER Free and discounted events and services, including special attractions, events, group banking, and services discounts (child-care facilities, hotels, etc.) Please contact local HR for more info. Bright Horizons is the service provider in Florida. You may use up to 80 hours of care annually. Sick child care is provided in the staff member s home at $8 hour. Children s R&R is a free, on site sick child care center staffed by nurses. Backup Child Care Mayo and Employee Please contact local HR for more info. Bright Horizons is the service provider in Florida. You may use up to 80 hours of care annually at the rates of $8 hour for in-home care and $6 hour for center-based care. There is no age limitation. Bright Horizons is the service provider in Rochester. The number of backup child care days is 20 child, year at the rates of $15/ day for one child and $20/day for two or more. Children ages 6 weeks to 12 years are eligible. Child and Elder Care Referral Mayo and Employee Please contact local HR for more info. Child and adult/elder care options are available and service is provided by Bright Horizons. Child and adult/elder care options are available and service is provided by LifeCycleConnect Benefit Highlights - Mayo Clinic Appointees 10

13 Health and Wellness Mayo Clinic encourages healthy living at all three campuses. Benefit Contribution By Description of Benefit ARIZONA FLORIDA ROCHESTER Fitness Facilities Employee Mayo Clinic has partnered with dozens of local fitness clubs to offer discounts on enrollment fees and monthly membership dues. Mayo Clinic has partnered with dozens of local fitness clubs to offer discounts on enrollment fees and monthly membership dues. The Dan Abraham Healthy Living Center (DAHLC) is Mayo Clinic s onsite facility for wellness practice, education, and research. The facility provides an enjoyable, accessible environment for individuals and groups to learn and practice healthy living through quality facilities and effective programs and services. The facility offers incentive-based membership fees. Employee Services Benefit Contribution By Description of Benefit ARIZONA FLORIDA ROCHESTER Adoption Assistance Employee Assistance Program (EAP) Mayo Mayo Mayo Clinic offers an Adoption Assistance Plan that provides financial assistance to help meet the cost of adoption by reimbursing you up to $10,000 adoption. Mayo Clinic also offers you up to $500 for the adoption of a stepchild. Employees and their members have access to employer paid, confidential services for individual,, marital, stress and job-related concerns; chemical dependency assessment. 24-hour crisis line (AZ and FL). Parking and Commuting Mayo & Employee Mayo Clinic offers a van pool program for only $35 month. Valley Metro bus passes are available for $10 month. Mayo Clinic offers a car pool program with preferential parking. Mayo Clinic also provides free car starting services for your sonal safety and security. Mayo Clinic provides subsidized bus passes and alternative parking options. Mayo also provides free car-starting and door-unlocking service year-round for your sonal safety and security Benefit Highlights - Mayo Clinic Appointees 11

14 Notes 2015 Benefit Highlights - Mayo Clinic Appointees 12

15 2015 Benefit Highlights - Mayo Clinic Appointees 13

16 This is a high-level summary of certain Mayo Clinic benefits. The summary may or may not be applicable to union employees. It is intended for general information purposes only and should not be considered legal, investment or other benefits advice. This guide is not a legal Summary Plan Description or plan document. If there is a conflict with this information and an official plan document, the official plan document is controlling. Mayo Clinic reserves the right to terminate or amend the Plans at any time, in whole or in part, for any reason. Any such amendment or termination may apply to current and future participants, current and future retirees, covered spouses, beneficiaries and dependents. MC rev0115

2015 Benefi t Highlights. Consulting Staff and Voting Administrative Staff. Mayo Clinic in Arizona, Florida and Rochester. benefits TO BUILD ON

2015 Benefi t Highlights. Consulting Staff and Voting Administrative Staff. Mayo Clinic in Arizona, Florida and Rochester. benefits TO BUILD ON 2015 Benefi t Highlights Consulting Staff and Voting Administrative Staff Clinic in Arizona, Florida and Rochester benefits TO BUILD ON Table of Contents Who is Eligible to Enroll? 1 Medical Plans 2 Medical

More information

2015 Benefit Highlights. Allied Health Staff. Mayo Clinic, Mayo Clinic Health System, and Gold Cross. benefits TO BUILD ON

2015 Benefit Highlights. Allied Health Staff. Mayo Clinic, Mayo Clinic Health System, and Gold Cross. benefits TO BUILD ON 2015 Benefit Highlights Allied Health Staff Mayo Clinic, Mayo Clinic Health System, and Gold Cross benefits TO BUILD ON Table of Contents Who is Eligible to Enroll? 1 Medical Plan Options 2 Medical Plan

More information

OVERVIEW OF 2015 TEAMMATE BENEFITS PACKAGE

OVERVIEW OF 2015 TEAMMATE BENEFITS PACKAGE Page 1 CHS LiveWELL Health Plan OVERVIEW OF 2015 TEAMMATE BENEFITS PACKAGE CHOICE 30 with HEALTH SAVINGS ACCOUNT Eligibility: 24 or more standard hours per week The Choice 30 health plan offers you control

More information

Resident Physicians. Southern California Region. For prospective employees

Resident Physicians. Southern California Region. For prospective employees Resident Physicians Southern California Region For prospective employees 2015 Kaiser Permanente is committed to providing its employees with a competitive total compensation package that includes more

More information

Benefits Highlights. Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits.

Benefits Highlights. Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits. Benefits Highlights Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits HC Option 5 GE Benefits: Adding value beyond your paycheck The Company

More information

your Benefits in Brief

your Benefits in Brief your Benefits in Brief Salaried and Non-Union Non-Exempt Employees of Kaiser Foundation Health Plan, Inc. and Kaiser Foundation Hospitals Northern California Kaiser Permanente is committed to providing

More information

your Benefits in Brief

your Benefits in Brief your Benefits in Brief Southern California Employees: Non-Union Non-Exempt Salaried Salaried Patient Care Providers For Employees of Kaiser Foundation Hospitals, Kaiser Foundation Health Plan, Inc., KP

More information

Tier II: Providers and HPN/Geisinger. After Deductible 80% - Ancillary Services (x-rays, labs) (of Professional Allowance) After Deductible

Tier II: Providers and HPN/Geisinger. After Deductible 80% - Ancillary Services (x-rays, labs) (of Professional Allowance) After Deductible Health Insurance Third-Party Administrator: Geisinger Health Plan Coverage: *Begins the first month after benefit eligibility Deductibles *Dependent children covered to age 26 Annual, calendar year deductibles

More information

It Pays to Think Ahead. 2014 Benefit Summary

It Pays to Think Ahead. 2014 Benefit Summary It Pays to Think Ahead. 2014 Benefit Summary Benefits Overview Aurora Public Schools is proud to offer a comprehensive benefits package to eligible employees. The complete benefit package is briefly summarized

More information

Benefit Program Summary

Benefit Program Summary Benefit Program Summary The Cleveland Clinic is comprised of ten of Northeast Ohio s most prestigious hospitals and offers its employees career opportunities in state-of-the-art facilities that cover the

More information

2016 Physician Benefits Overview

2016 Physician Benefits Overview Employee Benefits 2016 Physician Benefits Overview Allina Health is proud to provide our physicians competitive benefits that help support their health, savings and balance. Your benefits overview Allina

More information

Benefits Summary. For Regular Employees 20 or more hours per week.

Benefits Summary. For Regular Employees 20 or more hours per week. 2013 Benefits Summary Argonne National Laboratory is a U.S. Department of Energy laboratory managed by UChicago Argonne, LLC For Regular Employees 20 or more hours per week. TABLE OF CONTENTS Benefit Eligibility

More information

CHI Franciscan Health revised as of 1/1/15 CHI. Benefits at a Glance. Healthy CHI SPIRIT. Physical and financial health and wellness

CHI Franciscan Health revised as of 1/1/15 CHI. Benefits at a Glance. Healthy CHI SPIRIT. Physical and financial health and wellness CHI Franciscan Health revised as of 1/1/15 CHI Benefits at a Glance CHI Healthy SPIRIT Physical and financial health and wellness SM Our mission to create healthier communities extends to our own workplace.

More information

CHI Mercy Medical Center revised as of 1/1/15 CHI. Benefits at a Glance. Healthy CHI SPIRIT. Physical and financial health and wellness

CHI Mercy Medical Center revised as of 1/1/15 CHI. Benefits at a Glance. Healthy CHI SPIRIT. Physical and financial health and wellness CHI Mercy Medical Center revised as of 1/1/15 CHI Benefits at a Glance CHI Healthy SPIRIT Physical and financial health and wellness SM Our mission to create healthier communities extends to our own workplace.

More information

RUSH BENEFITS GUIDE. grow WEALTH. choose HEALTH. develop CAREER

RUSH BENEFITS GUIDE. grow WEALTH. choose HEALTH. develop CAREER 2014 RUSH BENEFITS GUIDE choose HEALTH grow WEALTH develop CAREER CHANGES TO RUSH EMPLOYEE BENEFITS FOR 2014 Rush provides you with a full range of affordable employee benefits to enhance your health,

More information

Tier II: Providers and HPN/Geisinger. After Deductible 80% - Ancillary Services (x-rays, labs) (of Professional Allowance) After Deductible

Tier II: Providers and HPN/Geisinger. After Deductible 80% - Ancillary Services (x-rays, labs) (of Professional Allowance) After Deductible Health Insurance Third-Party Administrator: Geisinger Health Plan Coverage: *Begins your first day of benefit eligibility Deductibles *Dependent children covered to age 26 Annual, calendar year deductibles

More information

Sherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts

Sherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts Sherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts You and Sherwin-Williams share the cost of certain benefits including medical and dental coverage and you have the opportunity

More information

Employee Benefits. from. I felt rewarded for my efforts. Take Advantage of Competitive Benefits WEALTH ACCUMULATION. 401(k) Plan

Employee Benefits. from. I felt rewarded for my efforts. Take Advantage of Competitive Benefits WEALTH ACCUMULATION. 401(k) Plan day from one I felt rewarded for my efforts. Employee Benefits Take Advantage of Competitive Benefits At Fifth Third Bank, we want to create an environment where you will want to stay and build your career.

More information

Benefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits

Benefits Highlights. Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits Benefits Highlights Health Care Disability Benefits Retirement Life & Other Insurance Programs Work & Family and Other GE Benefits GE Benefits: Adding value beyond your paycheck The Company offers a wide

More information

Benefits Highlights. Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits.

Benefits Highlights. Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits. Benefits Highlights Health Care Disability Benefits Retirement Plans Life & Other Insurance Programs Work & Family and Other GE Benefits HC Core 5A GE Benefits: Adding value beyond your paycheck The Company

More information

Salaried Employees. Hawaii Region

Salaried Employees. Hawaii Region Salaried Employees Hawaii Region Kaiser Permanente is committed to providing its employees with a competitive total compensation package that includes more than just a paycheck. This comprehensive package

More information

2016 HealthFlex Plan Comparison: PPO B1000 with HRA and HDHP H1500 with HSA

2016 HealthFlex Plan Comparison: PPO B1000 with HRA and HDHP H1500 with HSA Caring For Those Who Serve 1901 Chestnut Avenue Glenview, Illinois 60025-1604 1-800-851-2201 www.gbophb.org 2016 HealthFlex Plan Comparison: PPO B1000 with HRA and HDHP H1500 with HSA Please note: This

More information

The Benefits of Bb BE @ BLACKBOARD

The Benefits of Bb BE @ BLACKBOARD The Benefits of Bb www.blackboard.com/careers BE @ BLACKBOARD The passion for education and the drive to make a difference are at the core of what makes Blackboard a great place to work. Blackboard fosters

More information

RUSH BENEFITS GUIDE. grow WEALTH. choose HEALTH. develop CAREER

RUSH BENEFITS GUIDE. grow WEALTH. choose HEALTH. develop CAREER 2015 RUSH BENEFITS GUIDE choose HEALTH grow WEALTH develop CAREER PUTTING RUSH BENEFITS TO WORK FOR YOU Rush is committed to having the best people, the best quality and the highest value. Your employee

More information

2014 BENEFITS HIGHLIGHTS

2014 BENEFITS HIGHLIGHTS 2014 BENEFITS HIGHLIGHTS Your Life. Live Well. At Allergan, benefits are designed to support your health and your retirement goals, and to protect your income and the welfare of your family. In combination,

More information

Benefit Coverage Chart & Rates

Benefit Coverage Chart & Rates Benefit Coverage Chart & Rates Effective July 1, 2014- June 30, 2015 PPO Medical Coverage by Category The following coverages are included with the PPO plan: o Prescription o Vision Additional Benefits

More information

July 1, 2015 June 30, 2016 METRO EMPLOYEE BENEFITS HANDBOOK

July 1, 2015 June 30, 2016 METRO EMPLOYEE BENEFITS HANDBOOK July 1, 2015 June 30, 2016 METRO EMPLOYEE BENEFITS HANDBOOK TABLE OF CONTENTS Introduction 3 Eligibility and benefit changes after enrollment 4 Health plans coverage levels 5 Cost for health insurance

More information

your Benefits in Brief American Federation of Nurses-United Healthcare Workers

your Benefits in Brief American Federation of Nurses-United Healthcare Workers your Benefits in Brief American Federation of Nurses-United Healthcare Workers Southern California June 2007 The information presented here is a brief summary of the benefits in effect when this booklet

More information

Employee Benefits 2014. An Overview of Your Benefits Program

Employee Benefits 2014. An Overview of Your Benefits Program Employee Benefits 2014 An Overview of Your Benefits Program Medical 1 Pharmacy 4 Dental 4 Flexible Spending Accounts 6 Life Insurance 7 Disability 8 Additional Benefits 9 Vacation, Personal, Holiday and

More information

Preparing for Retirement Healthy Directions for Medicare Retirees

Preparing for Retirement Healthy Directions for Medicare Retirees Preparing for Retirement Healthy Directions for Medicare Retirees Introduction Eligibility Healthy Directions for Medicare Retirees is designed for John Deere U.S. Flex retirees* who: Are eligible for

More information

BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY

BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY Human Resources Office May, 2014 BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY The benefits listed are subject to change pending state and federal legislation and changes in the negotiated

More information

Employee Benefits Summary. Plan Year 2014/15

Employee Benefits Summary. Plan Year 2014/15 Employee Benefits Summary Plan Year 2014/15 WELCOME -3- Mount Ida College offers a competitive benefits package to all eligible faculty and staff. The following is a summary of the benefit plans offered.

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

The Benefits of Working at Great-West Financial and Empower Retirement

The Benefits of Working at Great-West Financial and Empower Retirement The Benefits of Working at Great-West Financial and Empower Retirement From health and well-being to income protection, long-term financial planning and work-life balance, Great-West Financial and Empower

More information

ACE Advantage at a Glance ACE Center & ACE Club. Achieve

ACE Advantage at a Glance ACE Center & ACE Club. Achieve ACE Advantage at a Glance ACE Center & ACE Club Achieve ACE Advantage at a Glance ACE Center & ACE Club At ACE, we boast a strong, talented workforce featuring individuals who are among the best and brightest

More information

INSIDE THIS GUIDE. Please review the Important Notices also enclosed with your enrollment materials. ENROLLMENT PERIOD: OCTOBER 16 30, 2015

INSIDE THIS GUIDE. Please review the Important Notices also enclosed with your enrollment materials. ENROLLMENT PERIOD: OCTOBER 16 30, 2015 ENROLLMENT PERIOD: OCTOBER 16 30, 2015 It s time for 2016 Annual Enrollment. Read the information in this package carefully before making your decisions, and follow the steps below to make sure your enrollment

More information

2013 Oct. 24 - Nov. 18

2013 Oct. 24 - Nov. 18 EMPLOYEES2015 Benefits for SALARIED About this Material This brochure provides an overview of options under the CITGO Petroleum Corporation Medical, Dental, Vision and Life Insurance Programs for Salaried

More information

The 2016 Health Care Plan Comparison Chart provides you with high-level coverage details on medical, dental and vision plans.

The 2016 Health Care Plan Comparison Chart provides you with high-level coverage details on medical, dental and vision plans. 2016 HEALTH PLAN COMPARISON CHART The 2016 Health Care Plan Comparison Chart provides you with high-level coverage details on medical, dental and vision plans. Andre Jacobs Field Services North America,

More information

Your Total Rewards as Part of the SABIC Family

Your Total Rewards as Part of the SABIC Family Your Total Rewards as Part of the SABIC Family Thinking about Joining SABIC? There are many rewards to becoming a member of the SABIC team rewards that go well beyond your paycheck! At SABIC, we pride

More information

2015 Benefits Enrollment Guide

2015 Benefits Enrollment Guide 2015 Benefits Enrollment Guide TOTAL REWARDS...PAY AND BENEFITS FOR YOUR JOURNEY 2015 BENEFITS Facts, tips and tools to help you get the most from your 2015 benefits, plus valuable health and wellness

More information

Employee Benefits 2015. An Overview of Your Benefits Program

Employee Benefits 2015. An Overview of Your Benefits Program Employee Benefits 2015 An Overview of Your Benefits Program Medical 1 Pharmacy 4 Financial Protection 4 Dental 5 Flexible Spending Accounts 6 Life Insurance 7 Disability 8 Additional Benefits 9 Vacation,

More information

Open. Enrollment. Welcome to

Open. Enrollment. Welcome to Open Welcome to Enrollment 2 0 1 0 Open enrollment for active full-time employees and eligible part-time faculty will take place from October 1 through October 31, 2009. Because LACCD is joining the CalPERS

More information

Summary. of Benefits. for salaried employees. January 1, 2014

Summary. of Benefits. for salaried employees. January 1, 2014 Summary of Benefits for salaried employees January 1, 2014 Wherever you are in your career just starting out or a seasoned professional your benefits represent an important part of your overall compensation.

More information

Kraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary High Deductible Health Plan

Kraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary High Deductible Health Plan General Provisions Deductible (eligible medical and prescription drug expenses apply to the deductible) Kraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary Care can be obtained in-network

More information

We recognize that employees are our greatest asset and take pride in offering a highly competitive, comprehensive & affordable benefits plan.

We recognize that employees are our greatest asset and take pride in offering a highly competitive, comprehensive & affordable benefits plan. It s About You All We recognize that employees are our greatest asset and take pride in offering a highly competitive, comprehensive & affordable benefits plan. We recognize that employees are our greatest

More information

Your Benefits @ St. Jude

Your Benefits @ St. Jude 2015 Benefits Overview Human Resources Your Benefits @ St. Jude Choosing the right benefits for you and your family Your health and well-being are important to us. That s why St. Jude Children s Research

More information

Welcome to UNT! Insurance & Retirement Benefits

Welcome to UNT! Insurance & Retirement Benefits Welcome to UNT! Insurance & Retirement Benefits Our goal is to help you make informed decisions which will maximize the value of your benefits package. WHAT S THE AGENDA FOR TODAY? Payroll Dates Leave

More information

Kaukauna Area School District Employee Benefits Booklet 2015. Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE

Kaukauna Area School District Employee Benefits Booklet 2015. Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE Kaukauna Area School District Employee Benefits Booklet 2015 Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE Quick Reference Guide Benefit Vendor Phone & Website Health Network Health Plan

More information

Caring for those who Care. A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee

Caring for those who Care. A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee Caring for those who Care A Look at the 2015 Benefits and Rewards of Being an HCR ManorCare Employee BENEFITS Your Wellness Matters HCR ManorCare s benefits are a shared investment in your health and well-being.

More information

BENEFITS OVERVIEW FOR CALIFORNIA SENIOR EXECUTIVES AND FULL PROFESSORS

BENEFITS OVERVIEW FOR CALIFORNIA SENIOR EXECUTIVES AND FULL PROFESSORS BENEFITS OVERVIEW FOR CALIFORNIA SENIOR EXECUTIVES AND FULL PROFESSORS The Scripps Research Institute (TSRI) offers eligible employees a comprehensive benefits program. The program provides a medical plan,

More information

Healthy Directions. Information for Employees

Healthy Directions. Information for Employees Healthy Directions Information for Employees U.S. Employees with Salaried Health Care Benefits Healthy Directions is our company s approach to health and health care. Healthy Directions provides two medical

More information

FACULTY (IFO) CANDIDATE BENEFITS SUMMARY

FACULTY (IFO) CANDIDATE BENEFITS SUMMARY Human Resources Office Rev. Jan. 2013 FACULTY (IFO) CANDIDATE BENEFITS SUMMARY The benefits listed are subject to change pending state and federal legislation and changes in the negotiated agreements.

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

Health Plans Comparison Chart

Health Plans Comparison Chart Health Plans Comparison Chart PPO Deductible Coinsurance (Plan pays) Annual Out-of-Pocket Maximum (Medical) (all medical s, deductibles and coinsurance for covered services will apply. Once limit is met,

More information

2015 Benefits Summary

2015 Benefits Summary 2015 Benefits Summary visionary science, game changing innovation unmatched scientific facilities, programs and talent vibrant a, diverse and inclusive community contents 3 4 4 4 5 6 6 7 8 8 8 9 9 9 10

More information

Preparing for Retirement Healthy Directions for Medicare Retirees

Preparing for Retirement Healthy Directions for Medicare Retirees Preparing for Retirement Healthy Directions for Medicare Retirees Introduction Eligibility Healthy Directions for Medicare Retirees is designed for John Deere U.S. Flex retirees* who: Are eligible for

More information

2014 E M P L O Y E E B E N E F I T S

2014 E M P L O Y E E B E N E F I T S 2014 EMPLOYEE BENEFITS T A B L E O F C O N T E N T S 2014 Employee Benefits Your Benefits Package Eligibility Dependent Coverage Coverage Options Qualifying Status Changes Enrolling in Benefits Effective

More information

Qualcomm United States Benefits

Qualcomm United States Benefits Qualcomm United States Benefits Our benefits package is deep and comprehensive, providing you and your family extensive protection and security, along with quality, life-enhancing programs. When we day

More information

In-Network Benefits. NationalOne 2600/5200 HDHP- HSA. NationalOne 200-25. Available to: Deductible. Medical Out-of-pocket Maximum

In-Network Benefits. NationalOne 2600/5200 HDHP- HSA. NationalOne 200-25. Available to: Deductible. Medical Out-of-pocket Maximum 2 In-Network Benefits Available to: Deductible Medical Out-of-pocket Maximum NationalOne 200-25 ALL Units $200 individual $600 family $500 individual $1,000 family NationalOne 2600/5200 HDHP- HSA Clerical,

More information

BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS

BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS Human Resources BEMIDJI STATE UNIVERSITY BENEFITS SUMMARY for ADMINISTRATORS The benefits listed are subject to change pending state and federal legislation and MnSCU Board Regulations. For further information

More information

2016 Annual Enrollment Benefits Snapshot

2016 Annual Enrollment Benefits Snapshot Farm Credit Foundations 2016 Annual Enrollment Benefits Snapshot Go to FarmCreditFoundations.com to see all 2016 changes including a unique opportunity for some employees to increase their Group Universal

More information

2016 Plan Comparison For HealthFlex Exchange Participants

2016 Plan Comparison For HealthFlex Exchange Participants 2016 Plan Comparison For HealthFlex Exchange Participants This comparison highlights key differences and similarities between plans offered through HealthFlex Exchange in 2016. All plans use the same network

More information

benefits Mayo Pre-Tax Health Savings Account Plan Document and Summary Plan Description January 2015

benefits Mayo Pre-Tax Health Savings Account Plan Document and Summary Plan Description January 2015 Plan Document and Summary Plan Description A Component of the Mayo Flexible Spending Account Plan January 2015 benefits TO BUILD ON TABLE OF CONTENTS Table of Contents INTRODUCTION... 3 Pre-Tax HSA Is

More information

EMPLOYEE BENEFITS OVERVIEW

EMPLOYEE BENEFITS OVERVIEW EMPLOYEE BENEFITS OVERVIEW 2 0 15 You are eligible to participate on the date you become an employee regularly scheduled to work at least 30 hours per week. If any of the information in this summary differs

More information

Insurance Benefits For Employees C H E S T E R F I E L D C O U N T Y P U B L I C S C H O O L S

Insurance Benefits For Employees C H E S T E R F I E L D C O U N T Y P U B L I C S C H O O L S CCPS Insurance Benefits For Employees 2015 C H E S T E R F I E L D C O U N T Y P U B L I C S C H O O L S CHESTERFIELD COUNTY PUBLIC SCHOOLS BENEFITS DEPARTMENT Enrollment or Changes in Coverage 748-1226,

More information

Health Care Plans at a Glance. Welcome to Our Benefit Overview. Medical BlueCross BlueShield of SC: All Employees (except Joplin)

Health Care Plans at a Glance. Welcome to Our Benefit Overview. Medical BlueCross BlueShield of SC: All Employees (except Joplin) Benefit Overview Health Care Plans at a Glance At Schaeffler the health of our employees and their families are a priority to us. Our benefits are designed to help them manage their physical and financial

More information

Employ Benefits 2015

Employ Benefits 2015 Employ Benefits 2015 Employ Benefits As a health care organization, we understand the importance of personal wellness. In fact, the richness and diversity of our benefits helped us become Modern Healthcare

More information

California Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in Nevada

California Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in Nevada Non- Choice of Providers Calendar Year Deductible *The Fund s Calendar Year Deductible is never waived. However, some services are not subject to the Deductible. If you live in Nevada, your network of

More information

OUR EMPLOYEE BENEFITS

OUR EMPLOYEE BENEFITS Regular, full-time employees of Pearl Carroll & Associates LLC are eligible for a comprehensive benefits program designed to make the job more rewarding and to protect the well-being of our employees and

More information

www.anl.gov/careers/benefits 2016 BENEFITS SUMMARY

www.anl.gov/careers/benefits 2016 BENEFITS SUMMARY www.anl.gov/careers/benefits 2016 BENEFITS SUMMARY BENEFITS SUMMARY 2016 VISIONARY SCIENCE, GAME CHANGING INNOVATION. UNMATCHED SCIENTIFIC FACILITIES, PROGRAMS AND TALENT. A VIBRANT, DIVERSE AND INCLUSIVE

More information

2015 BENEFITS. There are important decisions to make. Look inside to learn more.

2015 BENEFITS. There are important decisions to make. Look inside to learn more. 2015 BENEFITS There are important decisions to make. Look inside to learn more. 1 Welcome to Enable Midstream! This is an exciting time to work at Enable Midstream. We are so glad you are part of our team.

More information

2012 BENEFITS NEW HIRE GUIDE

2012 BENEFITS NEW HIRE GUIDE Welcome to jcpenney! At jcpenney, we value our associates and recognize their contributions to our success. As a result, and in support of our WINNING TOGETHER Principles, we are committed to providing

More information

TIAA 2015 Benefits AT A GLANCE

TIAA 2015 Benefits AT A GLANCE TIAA 2015 Benefits AT A GLANCE TIAA is committed to making financial well-being possible for its clients, and the company is equally committed to the well-being of its employees. That s why we offer a

More information

2015 PLAN YEAR BENEFITS FOR YOU AND YOUR FAMILY

2015 PLAN YEAR BENEFITS FOR YOU AND YOUR FAMILY 2015 PLAN YEAR BENEFITS FOR YOU AND YOUR FAMILY 1 Dear Fellow Employee, CPSI, the parent company of Evident and TruBridge, is dedicated to providing a comprehensive and competitive benefits package for

More information

Shell Oil Company. 2013 US Summary of Benefits

Shell Oil Company. 2013 US Summary of Benefits Shell Oil Company 2013 US Summary of Benefits The information presented in this document is a high level overview of benefits offered to eligible regular full-time and regular part-time Shell and Motiva

More information

NYU HOSPITALS CENTER. Retirement Plan. Your Health & Welfare Plan Benefits

NYU HOSPITALS CENTER. Retirement Plan. Your Health & Welfare Plan Benefits NYU HOSPITALS CENTER Retirement Plan Your Health & Welfare Plan Benefits 1 What s Inside Welcome to the NYU Hospitals Center Retiree Health & Welfare Program Retiree Health & Welfare Benefits At-A-Glance...

More information

BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU

BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU zz BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU MESSAGE FROM THE PRESIDENT/CEO NABIL EL SANADI, MD, MBA, FACEP, FACHE LET S INVEST, HEALTH IS YOUR FIRST WEALTH! We are excited to

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

Benefits At A Glance. July 1, 2012 - June 30, 2013. Eligibility. Our Plan Year. ADP s Enrollment Module. Benefit Programs.

Benefits At A Glance. July 1, 2012 - June 30, 2013. Eligibility. Our Plan Year. ADP s Enrollment Module. Benefit Programs. Benefits At A Glance July 1, 2012 - June 30, 2013 ERCOT is committed to assisting employees in maintaining a healthy, productive lifestyle for themselves and their families. We are proud to offer employees

More information

OVERVIEW OF YOUR BENEFITS

OVERVIEW OF YOUR BENEFITS OVERVIEW OF YOUR BENEFITS IMPORTANT PHONE NUMBERS Benefit Fund s Member Services Department (646) 473-9200 For answers to questions about your eligibility or prescription drug benefit. You can also visit

More information

Your Fermilab Benefit Plans. Ann Marie Matthei 2015 New Hire Orientation

Your Fermilab Benefit Plans. Ann Marie Matthei 2015 New Hire Orientation Your Fermilab Benefit Plans Ann Marie Matthei 2015 New Hire Orientation Your Fermilab Benefits Medical and Prescription Drug Coverage Dental Plans Medical and Dental Plan Rates Additional Programs from

More information

UNIVERSITY OF MISSOURI SYSTEM

UNIVERSITY OF MISSOURI SYSTEM UNIVERSITY OF MISSOURI SYSTEM Your Benefits At A Glance 2015 FACULTY AND STAFF BENEFITS GUIDE What s inside Be prepared & take action 1 Medical plan options 2 Healthy Savings Plan Custom Network Plan PPO

More information

New Employee Benefits Orientation

New Employee Benefits Orientation New Employee Benefits Orientation Agenda Welcome Folder Eligibility Enrollment Health and Welfare Plans Retirement and Savings Plans 1 Benefits Eligibility Full Benefits Career employees working 50 percent

More information

State of Connecticut Employee Benefits

State of Connecticut Employee Benefits TR SU ANS T TULI OM S R C I TI Q U NE T STA T T CU TI E CONNE F C O P T RO L L E State of Connecticut Employee Benefits A message from Kevinlembo connecticut s state comptroller Dear Fellow State Employee,

More information

Employee Benefits. from. I felt rewarded for my efforts. Take Advantage of Competitive Benefits WEALTH ACCUMULATION. Profit Sharing Plan.

Employee Benefits. from. I felt rewarded for my efforts. Take Advantage of Competitive Benefits WEALTH ACCUMULATION. Profit Sharing Plan. day from one I felt rewarded for my efforts. Employee Benefits Take Advantage of Competitive Benefits At Fifth Third Bank, we want to create an environment where you will want to stay and build your career.

More information

2014 2014 2014 Benefits Plan Highlights 2014

2014 2014 2014 Benefits Plan Highlights 2014 2014 2014 2014 2014 Benefits Plan Highlights 2014 Table of Contents Core Benefits... 3 Life Insurance... 3 Accidental Death & Dismemberment (AD&D) Insurance... 3 Short- Term Disability Coverage... 3 Long

More information

SUMMARY OF EMPLOYEE BENEFITS

SUMMARY OF EMPLOYEE BENEFITS SUMMARY OF EMPLOYEE BENEFITS The City of Gaithersburg offers a competitive and comprehensive employee benefit package to eligible employees. This summary of benefits highlights general information about

More information

EMPLOYEE BENEFITS PROGRAM

EMPLOYEE BENEFITS PROGRAM EMPLOYEE BENEFITS PROGRAM YOUR HEALTH. YOUR LIFE. YOUR FUTURE. 2014 CRC s benefit plans and programs are designed to provide you and your family with the protection you need today and the opportunity to

More information

Enrollment Information Booklet

Enrollment Information Booklet Dartmouth College Research Associate B/ Retirement Benefits 2014 Enrollment Information Booklet For Standard Research Associate B Employees Table of Contents Page Election Options for 2014.... 1 How to

More information

2016 COPAY AND DEDUCTIBLE PLANS

2016 COPAY AND DEDUCTIBLE PLANS 2016 COPAY AND DEDUCTIBLE PLANS Health Insurance for Individuals & Families Welcome to PreferredOne PreferredOne.com Your Health, Your Choice, Many Options At PreferredOne, our name says it all you and

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

Summary of Benefits. When Benefits Start

Summary of Benefits. When Benefits Start Summary of Benefits Eligibility All full time employees are eligible for all of Westminster College benefits. You are considered full time if you are Faculty with a full time contract or Staff and work

More information

CAMBRIDGE PUBLIC SCHOOLS. Employee Benefits Summary & Health Insurance Plan Comparison

CAMBRIDGE PUBLIC SCHOOLS. Employee Benefits Summary & Health Insurance Plan Comparison CAMBRIDGE PUBLIC SCHOOLS Employee Benefits Summary & Health Insurance Plan Comparison Health Insurance / Dental Insurance / Vision Insurance / Retirement Plans / Deferred Compensation Plans / Life Insurance/

More information

New Employee Benefits Orientation

New Employee Benefits Orientation WELCOME New Employee Benefits Orientation 2015 Plan Year INTRODUCTION This benefits orientation provides an overview of the benefit and retirement plans available to benefits-eligible employees of The

More information

PHYSICIAN S GUIDE TO BENEFITS

PHYSICIAN S GUIDE TO BENEFITS PHYSICIAN S GUIDE TO BENEFITS OVERVIEW The comprehensive benefits and compensation package offered by the Southern California Permanente Medical Group (SCPMG) enables physicians to focus on what they

More information

2015-16 BENEFITS OVERVIEW. Jacqueline Christensen, Associate Director of HR

2015-16 BENEFITS OVERVIEW. Jacqueline Christensen, Associate Director of HR 2015-16 BENEFITS OVERVIEW Jacqueline Christensen, Associate Director of HR AGENDA Get You Legal Get You Paid Get You Benefits GET YOU LEGAL FORM I-9 GET YOU LEGAL FORM I-9 Complete section 1 Check one

More information

Open Enrollment. and Summary of Material Modifications. prepared for

Open Enrollment. and Summary of Material Modifications. prepared for 2016 Open Enrollment and Summary of Material Modifications prepared for Medical/Vision, Dental, Disability, Life/AD&D, Flexible Spending Accounts, Employee Assistance Program 2016 Open Enrollment and Summary

More information

Shell Oil Company. 2014 US Summary of Benefits

Shell Oil Company. 2014 US Summary of Benefits Shell Oil Company 2014 US Summary of Benefits The information presented in this document is a high level overview of benefits offered to eligible regular full-time and regular part-time Shell and Motiva

More information

Summary of Employee Benefits Full-time Regular Employees

Summary of Employee Benefits Full-time Regular Employees Tooele City s Benefit Package It s About Your Health Your Lifestyle and Your Future! Summary of Employee Benefits Full-time Regular Employees Your benefit package is a large component of your total compensation

More information