/04. Benefits at CIGNA

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1 /04 Benefits at CIGNA

2 When you consider an employment opportunity at CIGNA, consider this: you can automatically gain access to one of the widest arrays of employee benefits and human resources programs in the nation. Because of our robust group of benefits and programs, CIGNA has received national recognition as a great place to work. As an employee, you will have an opportunity to select benefits with a number of cost options. CIGNA s benefits are competitively priced to the marketplace, with the company picking up 75 percent of the cost of medical coverage (on average).

3 Signature Benefits Everything from medical plans to home owner s insurance is made available either through negotiated group discounts or the convenience of payroll deduction. Summaries of most programs are below for your review. Working Well Living Well Employee health programs are available at most locations and include CIGNA Babies, fitness programs and CIGNA s corporate lactation program. In addition, employees have access to the company s work life programs, such as Resource and Referral, flexible work arrangements, employee discounts on child care and CIGNA s adoption assistance program. RETIREMENT BENEFITS CIGNA s retirement program includes a pension plan, 401(k) plan, and retiree medical and dental coverage. Under the CIGNA Pension Plan, the company makes all the contributions as employees watch their account grow. Participation begins immediately upon hire. Employees receive annual benefit credits of between three and eight and a half percent of salary, as well as earn interest credits each quarter based on their account balance. The amount received is based on age and length of service. Vesting occurs after five years of service. Employees who leave employment before retirement may take their vested account balance with them as a lump sum payment. Who can take advantage of all this? Most regular employees (in both full-time and part-time positions) are eligible for these benefits on their very first day of work. The health programs are priced competitively to the marketplace. Other optional, personal products offer group discounts that only large corporations such as CIGNA can attain to aid in making them more affordable. Review the benefits summary that follows. It ll give you a good idea of what s in store. Under the 401(k) Plan, employees can immediately save up to 25 percent of their salary pre-tax toward their future retirement as well as earn a company match after one year of service. CIGNA adds $.50 for every dollar contributed, up to six percent of salary. An additional match is also possible each year based on CIGNA s business performance. Full vesting of the company match occurs after five years with CIGNA, with partial vesting occurring at a rate of 20 percent each year. Employees are always vested in their own contributions. More than 22 investment funds are available. Loans and hardship withdrawals are also available. Retiree medical and dental coverage are available to employees age 55 and over with five or more years of service. Once age 65, retiree medical coverage combines with Medicare to help meet the retiree s health care needs. For most employees who have at least 10 years of service when they retire, the company contributes towards the cost of coverage.

4 MEDICAL AND DENTAL COVERAGE Health care coverage is one of the most important and costly benefits for both employers and employees. That s why the Signature Benefits program offers CIGNA employees the choice of several medical and dental plan options. Each covers a range of services, but differs in out-of-pocket amounts and employee contributions. The contributions made toward coverage are competitive with the marketplace. But unlike other employers, CIGNA provides access to many online resources for health care cost planning. This enables you to choose the most appropriate plan, and budget for expenses throughout the year. A wealth of health care decision making sites aid in deciding on the care you and your family receive. HEALTH CARE REIMBURSEMENT ACCOUNT Employees can earmark up to $5,000 a year for medical expenses to go into a pre-tax account. This gives direct savings to employees from the costs incurred on health care expenses and over-the-counter medications. You can be reimbursed for things ranging from vision care products such as contact lenses and supplies, to over the counter products like bandages. CIGNA helps employees achieve these savings by making available a health care planning web site that automatically estimates the amount saved through a reimbursement account. Automatic claims processing simplifies the plan. By using these accounts, employees may reduce what s paid in federal income tax. VACATIONS AND HOLIDAYS Depending on their position, years of service, and work location, employees can earn anywhere from two to five weeks vacation. Eleven holidays are generally offered each year. Both vacation and holidays are prorated for part-time employees. Of the 11 holidays, as many as four are personal or floating days, designed to give employees flexibility in using time-off benefits. Some divisions participate in a plan where up to five vacation days can be bought each year during open enrollment. LIFE INSURANCE Life insurance comes in many forms at CIGNA. First, coverage equal to one times salary is provided automatically at no cost to employees. Employees can also purchase optional Group Universal Life Insurance coverage (one to 10 times salary, up to three million dollars) for themselves and their dependents. Coverage can be continued after employment at CIGNA ends. Optional Personal Accident Insurance pays additional benefits if an employee or dependent is involved in an accident. Coverage is available in $25,000 increments. Business Travel Accident Insurance of three times earnings (up to one million) is automatic and also company paid. DISABILITY COVERAGE Income protection in the event of an illness or injury is provided through CIGNA s Short and Long-Term Disability Plans. Coverage is automatic and provided at no cost to employees. The amount of coverage is based on an employee s earnings. For short-term benefits, the amount increases (up to 100 percent of pay) based on length of service. Part of the Short-Term Disability benefit, employees can participate in the Triumph lifestyle modification program to assist in making significant improvement to their health condition. Employees can also purchase Supplemental Long-Term coverage for added income protection.

5 REIMBURSEMENT ACCOUNTS FOR DEPENDENT CARE Reimbursement accounts allow employees to set aside pre-tax dollars to pay for the cost of eligible dependent care expenses. Things such as child day care, and expenses related to the care of elderly parents may be eligible for reimbursement. By using this account, employees may reduce what s paid in federal income tax. Employees can earmark up to $5,000 a year for dependent care expenses to go into a pre-tax account. WORKING WELL LIVING WELL PROGRAMS: Flexible Work Arrangements flexibility in work schedule or location helps accommodate important personal and family priorities for our employees. Options can include flextime, compressed workweeks, home-based work/telecommuting, part-time employment, and job sharing. Health & wellness programs through CIGNA s award winning Working Well Living Well initiative, CIGNA sponsors: Working Well Moms, the company s lactation program that supports employees who are breastfeeding. Adoption assistance up to $5,000 reimbursement for eligible expenses for each child adopted. A special paid leave of absence of up to ten days is available to full-time employees. On-site physical therapy, which provides on-site outpatient rehabilitation for employees at some CIGNA offices. On-site primary medical care is available for CIGNA employees in select offices. CIGNA Babies program, which guides expectant parents through pregnancy and the baby s first year of life by offering wellness tips for mother and baby and by pulling together CIGNA benefits and packaging them in an easy to use kit. Triumph program a voluntary personalized lifestyle modification program to assist CIGNA employees on short-term disability in making significant health improvements. Counseling for balancing work/life responsibilities/ referral assistance provides assistance with parenting skills, education issues, caring for elderly and disabled family members, parents, and many other everyday stressors. Dependent care Referral assistance/discounts/ on-site child care (at some major locations) free counseling and referrals to centers/services for both child care and elder care. Discounts at child care centers that offer pre-school, before and after-school care, summer programs, holiday and vacation programs, and some drop-in care with 10 national child care companies. Reference materials and seminars are also available. ADDITIONAL VOLUNTARY BENEFITS INCLUDE: Auto and homeowner s insurance group rates with the convenience of payroll deduction. CIGNA Investor purchase a variety of investments (such as stocks, bonds, mutual funds) from CIGNA Financial Services with an individual brokerage account. Employees enjoy the convenience of funding their account through payroll deduction. Discounts apply to broker-assisted and online trades.

6 Discount opportunities price reductions are available on brand-name items at more than 200 national retailers and thousands of local providers. Employees can quickly and conveniently access significant savings on clothing, electronics, computers, flowers, toys, music, jewelry, entertainment, pet supplies, new and leased cars, sporting goods, and much more. Employee Assistance Program (EAP) confidential assessments and referrals to help resolve personal problems (e.g., family matters, legal problems, stress, alcohol abuse). Financial planning services access to professional guidance to develop a personal strategy that meets immediate, short and long-term financial goals. Long-Term Care insurance financial protection against the costs of nursing home care, home health, hospice care, and adult day care. Employees elect the level of coverage, and the individual to insure. Mortgage/home equity loans a full range of mortgage products and options are offered. You can receive discounts not available to the general public, competitive rates, pre-approval services, $500 off of your mortgage closing costs, and more. Vision Care Plan discounts on lenses, frames and lens treatments at participating providers. Community Caring Awards grants from $100 to $5,000 are awarded to non-profit organizations where CIGNA employees volunteer. Educational Reimbursement Program full-time employees receive reimbursement of tuition expenses for eligible programs at either community colleges or four-year regionally accredited colleges, and some fees associated with approved certifications/designations programs. Pro-rated benefits are available to part-time employees. Employee Suggestion Program employees present ideas for improving services, work methods, promoting better relationships among employees and the general public, or cutting costs. Cash awards issued for implemented suggestions. Matching Gifts employee contributions to educational and arts/cultural organizations are matched each year. Relocation assistance employees accepting internal company transfers and some new hires could be eligible for benefits such as assistance selling their old home, assistance with the purchase of a new home, transport of household goods, and temporary living quarters. Service Recognition Awards to reward employee dedication and hard work, gifts commemorate milestone service anniversaries. Talent Scout program cash awards to employees who have submitted external candidate resumes resulting in a successful hire. As used in these materials, CIGNA refers to CIGNA Corporation and its subsidiaries that participate in Signature Benefits. This overview contains only selected highlights of CIGNA benefit plans. You may rely only on the official plan documents and contracts for details on the plans provisions and benefits.

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