Benefits Plan Highlights 2014

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1 Benefits Plan Highlights 2014

2 Table of Contents Core Benefits... 3 Life Insurance... 3 Accidental Death & Dismemberment (AD&D) Insurance... 3 Short- Term Disability Coverage... 3 Long Term Disability (LTD) Insurance....3 Emergency Travel Assistance....3 Identity Theft Protection Employee Assistance Program (EAP)... 3 Benefit Choices... 4 Medical / Prescription Coverage... 4 Dental Coverage... 5 Vision Coverage....5 Supplemental Life Insurance... 6 Medical Spending Account... 6 Dependent Care Spending Account... 6 Long Term Care Insurance... 6 Business Travel Medical... 6 Wellness Program (Highway to Wellness)... 7 Qualified Retirement Plan... 7 Paid Time Off... 7 Tuition Reimbursement... 8 Benefit Call Center

3 Features of the TranSystems Benefits Plan include a comprehensive program that contains benefit options providing the opportunity to design your own benefits program according to your needs. The TranSystems Program Provides Company provided Core Benefits (no cost to you) Company sponsored Benefit Choices for you to select base on your needs and the needs of your family A professionally staffed employee benefit service center CORE BENEFITS Core Benefits are provided by TranSystems to all eligible employees. You are automatically enrolled in these benefits at no cost to you. Life Insurance Provides 1 times salary up to a maximum benefit of $300,000 Accidental Death & Dismemberment (AD&D) Insurance Provides 1 times salary up to a maximum benefit of $300,000 Short-Term Disability Coverage Benefit begins on the 15 th calendar day of disability Days % of pay No maximum weekly benefit Days % of pay Maximum $1000 weekly benefit Long-Term Disability Coverage 60% monthly benefit up to $10,0000 maximum monthly benefit Benefit begins after 90 days of disability Emergency Travel Assistance Covers medical emergencies while you are more than 100 miles away from home-business or personal travel. Pre-qualified, English-speaking doctors, hospitals, pharmacies and dentists anywhere in the world Identity Theft Protection 24/7 telephone support and step-by-step guidance by anti-fraud experts. Help notifying police and financial instructions as well as canceling and reissuing new cards. Can register up to 10 credit cards for 24/7 surveillance. Employee Assistance Program (EAP) Professional diagnostic and referral service for employees and their immediate family. Employee and/ or immediate family may, without charge, benefit from early detection, care and handling of problems in the areas of personal or emotional problems, family distress, financial or marital problems, drug abuse, legal problems or alcoholism. 3

4 BENEFIT CHOICES The TranSystems Benefits Plan is designed to acknowledge that our workforce is indeed diverse. Our program s flexibility recognizes this diversity and encourages each of you to design your own benefits plan based on your individual needs. Your Benefit Choices include: Medical / Prescription Coverage 4 Options Dental Coverage Vision Coverage Supplemental Life Insurance Medical Spending Account Dependent Care Spending Account Health Savings Account Wellness Highway to Wellness Medical / Prescription Coverage TranSystems uses BlueCross and BlueShield of Kansas City and the nationwide BlueCard PPO provider networks for all four medical plan options. Call your doctor and ask if they are a BlueCard PPO provider or you can locate a participating PPO provider, by calling the BlueCard doctor and hospital information line at BLUE (2583). The PPO Options The program offers three Traditional Preferred Provider Organization (PPO) plan choices: $500, $1,000, and a $1,500 deductible plan. Under all options, medical services and benefits are paid at higher levels when you use participating providers. At the same time, the PPO options give you the freedom to utilize the services of any Out-Of-Network provider by paying higher deductibles and coinsurance. The BlueSaver Option The BlueSaver option is a qualified high deductible plan. This plan allows you to elect a Health Savings Account to fund the medical expenses tax free. All expenses go towards the $2,500 deductible with this plan. There are no office visit copays. If you choose to elect the Health Savings Account along with the plan, then you can roll over your funds year to year in the account to help assist with the costs associated with the plan, premiums for qualified plans, or investment options. Important Responsibility When Using In-Network Providers None of the Company plans require you to see a pre-selected Primary Care Physician or obtain a referral for specialty, hospital, laboratory services, or other provider s care. You choose your doctors, specialists, hospitals and laboratories from the network whenever or wherever you need care. With this freedom comes an important responsibility; you must make sure you are receiving care from network providers in order for your expenses to be reimbursed at the in-network level. It is necessary to confirm with your provider and the network that the provider belongs to the network before services are rendered. Eligible Dependents Eligible dependents include your spouse and natural, step, and adopted children. Children are eligible for coverage up to age 26. 4

5 Dental Coverage Our Benefits Plan provides a dental plan administered by Delta Dental of Missouri. Under the dental program, you and your family may use the licensed dentist or dental practice of your choice. Our dental program includes Orthodontia coverage for children paid at 50% (In-Network) and 50% of Reasonable and Customary (Out-of-Network) up to a Lifetime maximum of $1,500. All other services received through an In-Network Provider are paid at a higher coinsurance level and higher maximum annual amount. Enhancements Healthy Smiles, Healthy Lives TranSystems offers additional dental benefits through their plan. High risk members receive 2 additional cleanings per year, implant coverage includes bone grafts, and there is an enhanced sealant benefit to cover all ages every three years covered at 100%. Vision Coverage TranSystems offers a Vision Coverage benefit administered by VSP. Under this plan, you may use the eye care professional of your choice. However, when you use a participating VSP provider, you receive higher levels of coverage under the In-Network benefit structure. The vision plan has a $10 copay for examinations and a $25 copay for materials. 5

6 Supplemental Life Insurance TranSystems provides Life Insurance as a Core Benefit to all eligible employees. This Core coverage is provided at no cost to you. You also have the opportunity to purchase Supplemental Life Insurance for yourself, your spouse, and dependent children. Your cost for this coverage is based on the amount you elect and your age. You can elect up to 5 times your earnings or $500,000. Medical Flexible Spending Account (F.S.A) A pre-tax account funded through salary reduction used to receive pre-tax reimbursement for medically necessary out-of-pocket expenses. Plan Year will run from January 1 through December 31 Plan carries a $2,500 Plan Year maximum. Program provides a carryover of up to $500 of unused funds to the following year. Eligible Expenses include (but are not limited to): Plan deductibles, co-pays and co-insurance amounts Dental and Orthodontic expenses Vision Care Expenses Dependent Care Spending Account A pre-tax account funded through salary reduction used to receive pre-tax reimbursement for child and adult daycare expenses. Plan Year will run from January 1 through December 31 Plan carries a $5,000 calendar year maximum. You must be using daycare services so that you and your spouse can work. Your provider of care must provide you with either his/her Social Security Number or Tax Identification Number. Program carries a Use It or Lose It provision-so plan carefully. Eligible expense generally include: Day care for children up to kindergarten Pre-school and after-school day care to age 13 Non-residential summer camps to age 13 Elder care expenses provided in your home Adult day care expense (non-residential) Long Term Care Insurance Policy will pay for long term care expenses for covered individuals who are unable to perform two of six Activities of Daily Living or who suffer from cognitive impairment. This plan is portable if you leave TranSystems. Business Travel Medical Provided by GeoBlue. Coverage provides reimbursement for medical services obtained outside the home country, including: Physician Services, Surgery, Hospital Services, and Prescriptions. Additional benefits include Medication replacement assistance, 24/7 multilingual call center, legal referrals, lost luggage and repatriation. 6

7 Highway to Wellness TranSystems offers a comprehensive wellness program to all employees called Highway to Wellness. The program gives employees several tools to help get them set up on the right track to keeping a healthy lifestyle. TranSystems also gives employees the opportunity to qualify for an insurance premium savings if they participate in the program. Qualified Retirement Plan 401(k) Plan & 401(k) Catch-Up Employees may contribute up to 75% of base pay to a qualified Fidelity 401(k) plan through TranSystems. Fidelity offers a variety of investment options, including a 401(k) Roth. The plan allows up to two loans at any time and participants may increase or decrease their salary deferral percentage at the beginning of any payroll period. Matching on the Qualified Retirement Plan Employer contributions will be in the form of an Employee Stock Ownership Fund or ESOF. TranSystems contributions to the ESOF are based on a percentage of the employee deferral contributions into the 401(k). Paid Time Off Sick Leave Pay Eligible employees accrue 1.85 hours per week, 80-hour maximum carryover per accrual year. Full-time, nonexempt employees scheduled hours per week accumulate a proportionate share of Sick Leave hours. Annual Leave Annual Leave accrual is based on years of service or position: 0-5 years accrue 1.85 hours per week 5-10 years or Assoc or Sr Assoc accrue 2.31 hours per week 10 years+ or Principal/CEO/CFO...accrue 3.08 hours per week Full-time employees scheduled hours per week accumulate a proportionate share of Annual Leave hours. Paid Holidays All full-time TranSystems employees receive 8 paid holidays. 7

8 Tuition Reimbursement TranSystems will reimburse all or a portion of tuition for approved and completed graduate and undergraduate coursework, classes, and seminars. Coursework must be relevant to an employee s position and projected career development. Benefit call Center Always your first place to call with your benefit questions! Our program also provides access to TransSystems Benefit Call Center to provide you with benefits information on demand. When To Call Your Benefit Call Center For all general information or inquiries about your Benefits Plan and the benefit options available to you. As a newly eligible employee when you first become eligible for the Benefits Plan. During Open Enrollment to make new Plan Year benefit elections. When you experience a Life Event and need to adjust your benefit coverage. General questions on any of your Core or Choice Benefits. QUESTIONS? For more information, please contact your recruiter, hiring manager or Human Resources designee. 8

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