Welcome 2014 Jones Lang LaSalle Benefits

Transcription

1 Benefits Summary Guide Independent Contractors

2 As you review the following information, if you have any questions, do not hesitate to contact the Benefits Solutions Group at Welcome 2014 Jones Lang LaSalle Benefits Welcome. At Jones Lang LaSalle, your personal and financial health is important to us. We continue to offer a variety of benefit options to support the needs of you and your family because we value your future at JLL. This document focuses on the important benefit decisions you must make related to your health and wellbeing. Please be sure to visit the My Total Rewards website at to review other investments JLL has made in you like our company-sponsored discount programs, learning and development, and so much more. You know the needs of you and your family the best and what the coming year may look like for all of you. So, to make the best choices for everyone and to ensure that you take advantage of the various coverage options we provide and the new tools that help you make election decisions. Important: To receive Jones Lang LaSalle benefits in 2014, you must take action To empower you to make the best choices for you and your family and to take advantages of the new tools, resources and benefit, you must either enroll in a benefits plan or waive coverage in If you do not act, you will be defaulted to no coverage. 2

3 Important Health Reform On January 1, 2014, a key component of the health reform law will take effect: Everyone in the U.S. (with a few exceptions) will be required to have health insurance. Jones Lang LaSalle will continue to offer health insurance for eligible Independent Contractors. This coverage meets all of the health reform law requirements to satisfy your individual mandate under the reform law. We are pleased to continue offering this benefit as a valuable part of your total rewards at JLL. In 2014, you will also have other options to purchase health insurance, but because we offer you coverage that satisfies all the health reform requirements, you will not qualify for any federal assistance to purchase an individual or family policy on the open market. These other options include: PPO Standard Plan will be eliminated in 2015 Due to provisions of the Affordable Care Act driving market changes, this is the last year you will be able to enroll in the Standard Plan. That makes this year a great opportunity to switch now to a plan with a Health Savings Account to start saving this year for future medical expenses and receive the triple tax savings. Public health insurance marketplaces/exchanges You can shop for coverage in an online public health insurance marketplace/exchange and compare available policies based on price, benefits and quality. Each state is required to have an online public marketplace available for health insurance coverage in 2014 (if a state does not establish one, the federal government will operate an exchange for the state s residents). Because JLL offers you coverage that satisfies all requirements under the health reform law, you and your dependents will not qualify for federal financial assistance (premium tax credits) for any coverage you purchase on the public exchange. Private marketplaces/exchanges A variety of private exchanges will serve as marketplaces where you can compare health plans and buy coverage. For example, an insurance company might create a private exchange that serves some of the same functions as a public exchange, but cannot offer federal financial assistance to individuals purchasing coverage. In addition, some health insurance companies are opening retail stores where you can shop for a policy, check on claims and get one-on-one health education coaching Health insurers and brokers Health insurance companies will sell plans directly to you through their own websites and call centers. You can shop for yourself through the exchanges, or you can enlist the assistance of an insurance agent or broker. Note: If you decide to purchase health care insurance through the marketplace/exchange, you will not be allowed to take advantage of the Benefits Solutions Group or the Personal Advocate Program to help resolve your claims issues. Visit HealthCare.gov to learn more. 3

4 Meet ALEX, your personal benefits assistant Need help picking the best benefits plan for you and your family? Try ALEX, your personal benefits assistant Choosing the right benefits plan for you and your family is important and it can be tricky too. That s why you ll want to talk with ALEX, your personal benefits assistant. We know what you re thinking who s ALEX and what does he have to do with my benefits? ALEX is the host of a highly interactive online conversation that guides you through the process of selecting your benefits. It provides a simple, fun and quick way to help you pick the best benefit plans for you and your family. The best thing about ALEX? He s funny, doesn t speak insurance-talk and is available to help you figure out which JLL benefits plans will best serve your needs (anonymously, of course). Even better, ALEX can be accessed anytime and anywhere as long as there is an internet connection (including at home by your spouse or domestic partner). Visit to watch a brief demo. Click here or go to and get started with using ALEX today! 4

5 Tips for saving on Healthcare Costs Part of choice is your decision to choose to act on things that will save on your healthcare costs. How many of the below actions are you willing to do to put some extra money in your pocket? Wellness Pledge Agree to take a Health Assessment and not smoke, or complete a free stop smoking program and receive a significant premium reduction. Cover your spouse or domestic partner on his/her employer s medical plan If you decide to cover a spouse or domestic partner on a JLL medical plan, and he or she is able to receive medical coverage from his/her employer, you will be charged a $100 per month fee in addition to the additional cost of the medical plan election that you make. Choose the right medical option for you and your family Make sure you choose the best option based on premium, plan benefits, expected claims, availability to contribute to a HSA and comfort level with paying for unexpected claims.. Take advantage of ALEX, a new online tool to help you pick the best plan for you and your family. Preventive exams Identifying and treating/eliminating health risks before they turn into large claims can save you money. Make sure to get regular preventive care exams paid at 100 percent by Jones Lang LaSalle (in-network only). Biometric screenings Engage in screening for BMI, cholesterol, blood pressure and glucose, your office where available, retail clinics, or with your doctor. Health and Wellness Coaching Take advantage of free personal wellness and health coaching to help manage a health risk or medical condition. Network Use network providers and, where available. Staying in-network gets you better benefit coverage. If you go out-of- network you will pay significantly more. See Medical section of the open enrollment guide for more details. Health Rewards The health rewards program comprises of a member rewards program for engaging in the health activities. Blue Cross Blue Shield of Texas Health Rewards Program Life Points can be redeemed for popular health and wellness merchandise and services. Health Savings Account (HSA) Elect Plus or Basic coverage and participate in a HSA. Tax savings and money are available for current and future expenses. 5

6 My Total Rewards: About You. For You Eligibility All Independent Contractors You are eligible to participate in the Jones Lang LaSalle Independent Contractor benefit plans if: You are an Independent Contractor of Jones Lang LaSalle who works at least 30 hours per week. You are not covered by a collective bargaining agreement that provides alternative coverage. You are not hired as a temporary employee. Please note: Employees should refer to the Benefits Open Enrollment Guide for employees on the Total Rewards website at See the Total Rewards website at for more information about dependent eligibility, family status changes and to learn when coverage begins and ends. Note: Make your elections carefully. Unless you experience an IRS-qualified status change, you cannot change your elections until the Open Enrollment period for 2015 benefits. If you experience an IRS-qualified status change during the year, you must notify the Benefits Solutions Group within 31days after the event has occurred. Dependents Eligible dependents include: Your spouse or domestic partner. Please refer to Dependent Affidavit for eligibility criteria surrounding domestic partners. Your children who are less than 26 years old. Disabled dependents. Disabled dependents must be certified while covered under the medical plan for continuation of coverage. If you enroll a new dependent who is not currently enrolled, you are required to provide documentation within 45 days after enrolling in the benefits plans. It is your responsibility to compile the required documentation and send it to the Benefits Solutions Group. If you do not provide the required documentation within 45 days, your dependent coverage terminates. Employees can fax, upload online or mail documents to the following: Online Upload: Secure Fax: Mail: Dependent Verification Center PO Box 1401 Lincolnshire, IL

7 Preparing for Enrollment: what you should be thinking about before you enroll At JLL, we strive to provide quality benefits, resources and programs that meet the full range of our Independent Contractor s needs from preventive care to well-being to condition-related care many of which are dealt with in the health plans. So it s important to look beyond your s, and consider the coverage that will help you achieve your health goals as well as meet your health care needs yearround. Prepare to Enroll Ready to enroll Enrolling has never been easier! When you re ready to enroll, it s simple and convenient to make your benefit elections at your source for complete, personalized information about your coverage options and costs. Log on to review your existing coverage, see your 2014 monthly costs, and use ALEX, your personal benefits assistant, to help you find the best health care plan for you and your family. Then, when you re ready, you can enroll online or by phone. Don t have easy access to a computer? No problem! Call the Benefits Solutions Group at and a dedicated benefits expert will help you enroll today. Evaluate all the options to assure the right plan for you. Use ALEX to help you decide by going to Listen to available podcasts and videos on the Total Rewards site. Log onto Select the enrollment option under recommended actions and go through the seven steps of the enrollment flow. Enroll your spouse/domestic partner or child under another employer s medical plan to potentially save money. Agree to the Wellness Pledge and determine if you meet the requirements for Important: You must enroll in a medical plan or waive your coverage for

8 Medical Section 8

9 Medical Your health matters. Staying well and feeling good enhances the quality of life, not just for you, but also for the important people in your life. Jones Lang LaSalle understands that access to quality, affordable healthcare is a key to staying well or getting healthy if you suffer from an acute illness or chronic condition. Jones Lang LaSalle is committed to your health and well-being and to our philosophy of employees managing their health. We demonstrate our commitment by providing three Preferred Provider Organization (PPO) medical plan options designed to meet your needs and the needs of your family. Coverage for all plans is provided by BlueCross BlueShield of Texas (BCBS). Each plan features s, out-of-pocket maximum amounts and coverage for prescription medications. Use the information and resources provided in this guide and on the BCBS website at to choose the medical plan that s right for you. How the Medical Plans Work The PPO plans use a network of preferred providers who agree to provide health care services to plan members at discounted fees. With the PPO plans, you may receive care from any provider you wish, but you receive the highest level of benefit when you visit a provider that is part of the BCBS of Texas network. With these plans, you never need a referral from a primary care physician to visit a specialist. Traditional PPO The PPO Standard Plan (no Health Savings Account) Due to provisions of the Affordable Care Act driving market changes, this is the last year you will be able to enroll in the Standard plan. That makes this year a great opportunity to switch now to a plan with a Health Savings Account to start saving this year for future medical expenses and receive the triple tax savings. Account-based PPOs The PPO Plus Plan (includes Health Savings Account) The PPO Basic Plan (includes Health Savings Account) 9

10 Summary of BCBS of TX medical program features PPO Standard PPO Plus PPO Basic Feature In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network Who provides care Choose any doctor or hospital. Stay innetwork to receive maximum benefits. Any doctor Choose any doctor or hospital. Stay innetwork to receive maximum benefits. Any doctor Choose any doctor or hospital. Stay innetwork to receive maximum benefits. Any doctor Preventative Care Routine physical exam Well-child care Well-woman exam Immunizations Screenings Annual Deductible Annual You Only You + 1 You + 2 or more 100% without having to meet your $500 $1,250 $1,250 60% of allowable you meet your $1,250 $3,125 $3,125 Coinsurance (Company pays) 80% 60% of allowable 100% without having to meet your $1,250 $3,125 $3,125 60% of allowable you meet your $3,125 $7,800 $7,800 80% 60% of allowable 100% without having to meet your $2,700 $6,750 $6,750 50% of allowable you meet your $5,400 $13,500 $13,500 70% 50% of allowable Annual You Only You + 1 You + 2 or more Deductible not included $2,700 $6,750 $6,750 Deductible not included $6,750 $16,875 $16,875 Deductible included $3,000 $7,500 $7,500 Deductible included $7,500 $20,000 $20,000 Deductible included $5,000 $12,000 $12,000 Deductible included $10,000 $24,000 $24,000 Office Visit 80% after 60% of allowable 80% after 60% of allowable 70% after 50% of allowable Medical Necessity Requirements Surgery or Hospital Care (Company pays) No pre-notification required for services received in-network. Pre-notification is required for services received out-of-network**. If pre authorization is not obtained but determined medically necessary: Penalty $250 (standard) - $400 (Plus/Basic). If determined not medically necessary by BCBS: No benefits will be paid. 80% after 60% of allowable 80% after 60% of allowable 70% after 50% of allowable Maternity Care (Company pays) Office visits Hospital charges 80% after 60% of allowable 80% after 60% of allowable 70% after 50% of allowable Mental Health Treatment (Company pays) Outpatient Inpatient hospital charges Vision Exam (You pay) 80% after 60% of allowable 80% after 60% of allowable $25 co-pay, one exam every calendar year 70% after 50% of allowable IMPORTANT - Out of Network (OON) Benefits: If you go out-of-network your share of the cost will be higher, and in some cases, significantly higher. Out of network benefits are paid according to the OON coinsurance once you meet the OON. The and coinsurance paid by you out of network is higher than in-network cost share. Your out-ofnetwork provider may charge much more, and you will be responsible for the additional billed amount above the maximum considered charges. This can result in a much lower benefit reimbursement. We encourage you to use in-network providers whenever possible. If you decide to receive benefits out of network we strongly encourage you reach out to BCBS before receiving care to understand what the allowable amount is for the specified services and negotiate with your provider if necessary to lower the billed charges. 10

11 Health Rewards program The Health Rewards program incents you to make smart choices to improve or maintain your health and rewards you for taking action and getting healthy results. Blue Cross Blue Shield of Texas Health Rewards Program: Life Points Instant recognition The integrated Liveon member wellness portal will allow for more real-time awarding of points with the exception of points earned from the Fitness Program and Biometric Screening activities. Enhanced member experience The interactive Liveon portal makes it easier to understand points available to be earned, track the total number earned year-to-date and display the points in one central location making it easier for members to manage their points. Get more with Life Points Within the Life Points redemption center members will have the option to purchase more points to supplement their balance to redeem for a larger reward. The health rewards program comprises of a member rewards program for engaging in the healthy activities listed below: Life Points Eligible Activities: Completion of Health Assessment (once every six months) Self-Directed Course Completion (all 12 lessons) Self-Directed Course Milestone Assessments Baseline 30 days 60 days 90 days 180 days Recording progress in the online tools and trackers Fitness Program Enrollment Fitness Program Weekly Visits Biometric Screening Event (onsite or voucher) 11

12 Contribution bands Annual premiums are based in part on your role with the company as of September 1, 2013: Band One National, Regional and International Directors Band Two Brokers (with the exception of those who fall under Band One) Spousal Surcharge While some companies have actually done away with coverage for spouses/partners altogether, this contribution enables us to continue offering a healthcare option for your spouse/partner by spreading the costs between you and the firm. By managing costs this way, everyone s premiums and cost-sharing will increase less rapidly without minimizing coverage. If you enroll an employed spouse/domestic partner in a Jones Lang LaSalle medical plan, the $1,200 annual surcharge will automatically be deducted beginning with your first 2014 paycheck, and deductions will not be refunded. If the Working Spouse/Partner Contribution does not apply to you, you must complete your enrollment and select Working Spouse/Partner Contribution Does Not Apply for o o o o o The Working Spouse/Partner Contribution does not apply if: You do not enroll your spouse/domestic partner in medical coverage Your spouse/domestic partner is not employed Your spouse/domestic partner is employed but is not eligible for medical coverage through his/her employer Your spouse/domestic partner is eligible for and/or is enrolled in Medicare/Medicaid You and your spouse/domestic partner both work at Jones Lang LaSalle Your cost for medical coverage Below are the medical rates for Independent Contractors not participating in the Wellness Pledge. Independent Contractors who participate in the Wellness Pledge can significantly reduce their premiums. Jones Lang LaSalle continues to pay 76 percent of health care costs.. For more information on the Health Rewards Bonus program and the Wellness Pledge, please refer to the Total Rewards website at Annual medical rates for Independent Contractors NOT participating in the Wellness Pledge PPO Standard PPO Plus PPO Basic Contribution Band You Only You + 1 You + 2 or more You Only You + 1 You + 2 or more You Only You + 1 You + 2 or more Band one $1, $3, $6, $1, $3, $5, $ $ $1, Band two $1, $3, $5, $1, $3, $4, $ $ $1, Example If you enroll in the Plus plan with You only coverage, Band 2 and do not participate in the Wellness pledge your annual premium will be $1, If you participate in the wellness pledge you can significantly reduce your annual premium to $1, That is a savings back in your pocket of $118.08! Annual medical rates for Independent Contractors participating in the Wellness Pledge PPO Standard PPO Plus PPO Basic Contribution Band You Only You + 1 You + 2 or more You Only You + 1 You + 2 or more You Only You + 1 You + 2 or more Band one $1, $3, $5, $1, $3, $4, $ $ $1, Band two $1, $3, $5, $1, $3, $4, $34.80 $ $

13 Prescription drug coverage Each medical option provides comprehensive prescription drug coverage as described below. Retail (30 90 day supply) Generic Preferred Brand Name Non-Preferred Brand Name Mail Service (30 90 day supply) Generic Preferred Brand Name Non-Preferred Brand Name Infertility Drugs Prescription drug benefits - PPO Standard plan Prescription drug benefits - PPO Standard Non-Participating Pharmacy $5 co-pay per 30 day supply Plan pays: 80% of allowable amount less copay $30 co-pay per 30 day supply $50 co-pay per 30 day supply $5 co-pay per 30 day supply $30 co-pay per 30 day supply $50 co-pay per 30 day supply Contact BlueCross BlueShield for more information The PPO Plus and PPO Basic plan s must be met before the plans pay benefits for prescription drugs. You can use your HSA dollars to pay for prescription drugs before and after you have met your medical. Prescription drug benefits - PPO Plus plan Prescription drug benefits - PPO Plus Non-Participating Pharmacy Retail (30 90 day supply) Generic Plan pays: 80% of allowable medical plan Preferred Brand Name Non-Preferred Brand Name Mail Service (30 90 day supply) Generic Plan pays: 80% of allowable medical plan Preferred Brand Name Non-Preferred Brand Name Infertility Drugs Contact BlueCross BlueShield for more information Retail (30 90 day supply) Generic Preferred Brand Name Non-Preferred Brand Name Mail Service (30 90 day supply) Generic Preferred Brand Name Non-Preferred Brand Name Infertility Drugs Prescription drug benefits - PPO Basic plan Prescription drug benefits - PPO Basic Non-Participating Pharmacy Plan pays: 70% of allowable medical plan Plan pays: 70% of allowable medical plan Contact BlueCross BlueShield for more information 13

14 Section for U.S. employees participating Additional in benefits the Kaiser information Permanente Plan (California, Oregon and Mid-Atlantic Region, which includes Washington, DC, and the surrounding Virginia and Maryland area) 14

15 Jones Lang LaSalle Dental Overview Good news! You now have a choice of three dental options. Triple Option Dental Benefit Summary Plan Type Annual Deductible (Preventive Services are not subject to ) Basic In/Out of Network $50 Individual $150 Family Standard In/Out of Network $50 Individual $150 Family Plus In/Out of Network $25 Individual $75 Family Annual Maximum $1,000 per person $2,000 per person $2,500 per person Orthodontic Services $1,000 per person $2,000 per person $2,500 per person Diagnostic & Preventive Services Oral exams 2 per cal yr Cleanings 2 per cal yr Flouride treatment- 1 per cal yr to age 18 X-rays- Bitewings 1 per cal yr, Full mouth 1 per 5 yr Sealants- 1 per 3 yrs to age 16 Space maintainers- no limit Basic Fillings Resin, Composite Amalgam Endodontic Covered Periodontal surgery- 1 in 3 yrs Periodontal Scaling/Root Planning- 1 in 2 yrs Oral surgery- Covered Extractions- Covered Major Inlay, Onlay, Crowns 1 per 8 yrs Dentures/Bridges 1 per 8 yrs General Anesthesia Covered Implants 1 per 8 yrs Orthodontics Covered for Children and Adults Contribution Band In Network 100% Out of Network 100% In Network 70% Out of Network 60% In Network 50% Out of Network 40% In Network 50% Out of Network 40% In Network 100% Out of Network 100% In Network 80% Out of Network 80% In Network 50% Out of Network 50% In Network 50% Out of Network 50% In Network 100% Out of Network 100% In Network 80% Out of Network 80% In Network 60% Out of Network 60% In Network 50% Out of Network 50% MetLife Annual Dental Rates Basic Standard Plus You Only You + 1 You + 2 or more You Only You + 1 You + 2 or more You Only You + 1 You + 2 or more Band Band For more information about the Dental Plan options, please visit the Total Rewards website at 15

16 Vision Plan Comparison Chart Summary for VSP and the New! United Healthcare Vision Plan Good News! You now have a choice in vision care programs in Feature UnitedHealthcare Vision Program In Network VSP Vision PPO In Network Your annual contribution You Only: $ You + 1: $ You + 2 or more: $ You Only: $90.12 You + 1: $ You + 2 or more: $ How to obtain benefits Eye Exam Schedule an appointment with UnitedHealthcare Vision provider of your choice. You may have an exam every 12 months, lenses every 12 months, frames every 12 months or contact lenses every 12 months. $10 Co-payment or up to $50 allowance out of network. Schedule an appointment with a provider in the VSP covered network. You may have an eye exam every 12 months, frames every 24 months, contact lenses every 12 months. $10 Co-payment or up to $50 allowance out of network. Glasses $20 Copayment for lenses and frame up to $170 value. For glasses over $170, you receive up to a 30% discount at select locations. $20 Co-payment for lenses and frame up to $170 value. For glasses over $170 employee pays the difference less a 20% discount. Contact Lenses Covered Lens Options Laser Vision Correction, Mail Order Contacts and Hearing Aids Out of Network Coverage Plan provides a $175 allowance towards full cost. Medically necessary contacts are covered in full. Premium, Deluxe or Standard Progressive Lenses, Standard Anti-Reflective Coating, Polycarbonate Lenses for both Adults and Children and Standard Scratch Coating UnitedHealthcare Vision provides access to additional discounts UnitedHealthcare Vision offers allowances for an exam, lenses, and frame and contacts lenses. Payment is due to provider at time of service and a claim for reimbursement must be submitted by member. Plan provides a $130 allowance towards full cost. Medically necessary contacts are covered in full after $20 copay. Single vision, bifocal, trifocal, lenticular, scratch resistant coating, tint. VSP provides access to Laser Vision correction discounts VSP offers allowances for an exam, lenses, frames, contact lenses and laser vision correction. Payment is due to provider at time of service and a claim for reimbursement must be submitted by member. For more information about Vision, please visit the Total Rewards website at 16

17 Employee Assistance Program While we will continue to offer company-paid Employee Assistance Plan (EAP) services through Guidance Resources, we re introducing three new buy-up options for additional services. FinancialPoint Helping Employees Improve Their Financial Health The financial health of many Americans has suffered in the last several years. A recent study of U.S. households revealed 44 percent have not started saving for college education. Likewise, economists and financial experts frequently cite multiple studies that indicate that while the majority of individuals have high expectations for their retirement, they haven t adequately planned for their financial future. The ComPsych FinancialPoint program helps you achieve your financial goals by providing confidential financial planning information and consultation. Easy Access to Expert Tools, Resources and Guidance FinancialPoint provides valuable financial information and expert consultation to ensure that you have the tools necessary to effectively manage your finances. Accessible through GuidanceResources Online, FinancialPoint s online planning service includes informational HelpSheetsSM and access to financial specialists who can help with: Budgeting Credit and debt management Analyzing net worth Retirement planning College cost assessment and funding strategies Mortgage obligations Understanding inheritance taxes and estate settlement processes Investment strategies Benefit Financial Point Plus 2014 Financial Point Plus Rates Rate $ per case Step-by-Step Directions FinancialPoint s simple-to-follow online process makes it easy for you to create a financial plan. You are given step-by-step instructions to complete the data-gathering and personal investment viewpoint questionnaires online. A FinancialPoint expert reviews the your responses; corresponds directly with you for additional information or questions, and provides a detailed, customized personal financial plan. Expert Objective Guidance ComPsych employs an in-house staff of expert financial specialists, including CPAs, CFPs and other financial experts. In-house staff experts are not affiliated with any outside financial companies, which allows them to provide truly impartial information. Additionally, they are trained to be sensitive to the emotional needs that accompany financial issues and offer appropriate assistance from the ComPsych suite of GuidanceResources services. ComPsych [email protected] 17

18 ParentGuidance The needs of new parents, whether biological or adoptive, are multi-faceted and can be overwhelming. ParentGuidance is a unique solution that seamlessly addresses all of the issues that may prevent mothers from returning to work. Proactive pre- and post-birth support provides positive and constructive assistance, improving the likelihood that the valued employee will return to work, while reducing the employee s anxiety and building goodwill in the process. The ParentGuidance program offers outreach from a ParentGuidance Specialist to find resources for child care, emotional, legal and financial issues, and to develop a plan that ensures a successful transition from maternity leave to work. Benefit Parent Guidance 2014 Parent Guidance Annual Rates Rate $ per case ComPsych [email protected] EstateGuidance Professional Legal Assistance via Online Tools and Services You face more complex financial decisions than ever before. And while preparing for the future through a will or an estate plan is important, too often you and your family members postpone or avoid altogether these seemingly daunting tasks. ComPsych developed EstateGuidance to help you secure your future by overcoming the legal, financial and emotional barriers to writing a will. EstateGuidance walks you and your family members through the documentation process and breaks down each step into easy-to-understand terms. A User-Friendly Tool for Creating Legally Binding Wills As the cornerstone of an estate plan, a will addresses some of the most important decisions in life: who should care for children and how assets should be divided in the event of death. Because of these difficult questions, as well as the time and cost required to research options and hire a lawyer, many people avoid writing a will. EstateGuidance eliminates these common barriers by providing a simple, economical online tool for will preparation. By using the online tool and answering a series of questions, you can conveniently create a simple will, as well as access additional documents and information that might be required. Benefit Estate Guidance 2014 Estate Guidance Premium Rates Rate $14.99 per will ComPsych [email protected] 18

19 Health Savings Accounts (HSA) Contribution Limits The total amount you can contribute to an HSA is based on your coverage level. The chart below shows how much you can contribute in HSA catch-up contributions - If you are age 55 or older, the IRS allows you to contribute an additional amount to your HSA. For 2013, you may contribute an additional $1,000. Medical Option Coverage Tier Total Allowable Contribution to HSA: Plus Plan You Only You + 1 You + 2 or more $3,300 $6,550 $6,550 Basic Plan You Only You + 1 You + 2 or more $3,300 $6,550 $6,550 Advantages of an HSA - HSAs are a great tool for smart health care consumers. Here are a few of the advantages: Triple tax savings You can contribute money to your account and deduct it from your taxable income when you file your taxes. This lowers your taxable income and increases your take-home earnings. Your HSA savings are deposited in an interest-bearing account. You don t pay any taxes on the interest earned. Interest rates will vary based on market conditions. When you use your HSA funds for medical expenses, you won t pay any taxes on them. Savings for Retirement - Save money in this account and build your balance for future medical expenses that can occur during your retirement years Eligible expenses - You can use your HSA to pay for eligible medical, dental or vision expenses now or you can save the money in your account for future medical costs. - HSA funds can be used to pay for certain healthcare premiums like COBRA or long-term care. Portability - There is no use-it-or-lose-it rule. - If you have money left in your HSA at the end of the year, it rolls-over in your account for the next year. - If you leave Jones Lang LaSalle for any reason, you take it with you. - If you die, your HSA goes to your designated beneficiary if you have one, or to your estate. Roll-over and investment opportunities - IRS regulations permit a one-time IRA roll-over into an HSA. The one-time roll-over is limited to the maximum contribution allowed for that year. Consult a tax advisor for more information about potential tax penalties and other restrictions. You may roll-over your balance from another employer s HSA. IRS dollar limits apply. Contact Mellon Bank for details. 19

20 Advantages of an HSA Continued Once you ve accumulated a certain savings level in your HSA, you may be eligible to invest in a variety of highly rated mutual funds. You are not eligible for an HSA if one of the following circumstances applies: You have coverage in another plan that has a lower than our PPO Plus or PPO Basic plans. You can be claimed as a tax dependent (as defined by the IRS) on someone else s tax return. You are enrolled in Medicare. Your spouse is enrolled in his or her employer s FSA plan. The IRS limits FSA only to dental and vision expenses when enrolled in an HSA plan. Domestic partners are not eligible to use HSA funds if: He/She does not qualify as a tax dependent. There is no additional funding to the employee s HSA account for the domestic partner if this is the case. If any one of the above circumstances applies to you, and you enroll in the PPO Plus or PPO Basic plans, you may be in violation of IRS rules that govern HSA eligibility. Because an HSA is a tax-advantaged savings account, you may incur IRS penalties if you violate eligibility rules. To learn more, consult with a tax advisor or visit Jones Lang LaSalle is not responsible for verifying your eligibility. Getting your HSA started Although you are not required to open a HSA, doing so will provide you with an opportunity to save for medical expenses on a tax-free basis in an individually owned, interest-bearing account. This account doesn t have a use-it-or-lose-it rule. Funds accumulate in an HSA over as many years as you choose coverage under an eligible high health plan and maintain the account. You are responsible for establishing, funding and managing the balance of your HSA. Once you enroll in either the PPO Plus or PPO Basic plan, Mellon Bank (our administrator of the HSA for BCBS) will mail a welcome kit to your home. The packet will include information about how to set up your account. There is no longer a one-time set-up fee of $5 and a monthly maintenance fee of $2.25 for balances under $3,000. Mellon Bank will invoice you each month for this fee, if applicable. 20

21 Individual Disability Insurance Jones Lang LaSalle Independent Contractor Plan Summary Individual Disability Income (IDI) InsuranceGuaranteed Standard Issue (GSI) ProgramThis is a voluntary benefit to Jones Lang LaSalle Independent Contractors Who is eligible for the MetLife Supplemental Disability Insurance offering of up to a maximum of $12,500/month? All Independent Contractors earning an annual total compensation of $100,000 and above. When is an Independent Contractor able to enroll for the Supplemental offering? Once you meet the compensation minimum, you will be contacted by Lenox Advisors regarding your annual enrollment opportunity, which occurs each September. Plan Summary for Jones Lang LaSalle I.C. s Individual Disability Income (IDI) This Individual Disability Insurance plan will provide you with up to 60 percent replacement of your total income¹, to a maximum monthly benefit of $12,500. Benefits of the MetLife Supplemental Disability Insurance Program: Purchase a supplementary benefit based on your total Jones Lang LaSalle compensation including incentive compensation. Since you pay the premium for this voluntary coverage with post-tax dollars, benefits are tax free under current tax laws. Coverage is offered at a 20 percent discounted rate because you re buying it at work. During this enrollment, no medical exam is required for eligible employees who are actively at work for at least 90 days or more, up to the $12,500 monthly benefit. Continue coverage at the same discounted rates even if you were to leave Jones Lang LaSalle. Additional Features: Residual Disability Benefit - allows you to receive a partial disability benefit, under certain conditions, if a partial disability causes a loss of earnings of at least 20 percent. Residual with recovery is only available for issue ages The Residual with Recovery Benefit² allows you to continue receiving benefits for up to 36 months after returning to work full-time, if you continue to have at least a 20 percent earnings loss due to the condition that caused that disability. Cost of Living Adjustment - helps benefits keep pace with inflation in the event of a disability lasting longer than 12 months. Catastrophic Disability Benefit³ pays you an additional monthly benefit on top of the monthly benefit for total disability, if the medical condition meets the criteria required. Examples of catastrophic disability are the complete and irreparable loss of the use of both hands or feet, speech, hearing in both ears or sight in both eyes. You could also meet the definition of catastrophic disability if you are totally disabled and also have irreversible senility, paraplegia or quadriplegia.1. Total Income is defined by MetLife as100% of Annual Base Salary (if applicable), and a Two Year Average of variable compensation (the most recent two years of complete variable YTD compensation data from the census data provided) in order to calculate benefit eligibility. Variable compensation is described as bonus payments and/or commissions. 2. In CA, Recovery Benefit is limited to 3 months.3. No Catastrophic Disability Benefit available in CA and CT. 21

22 Life Insurance - Jones Lang LaSalle Independent Contractor Plan Summary Enhanced life insurance: MetLife Group Variable Universal Life (GVUL) Who is eligible for the MetLife Supplemental GVUL insurance offering? All Independent Contractors earning an annual total compensation of $100,000 and above. When is an Independent Contractor able to enroll for the Supplemental offering? Once you meet the compensation minimum, you will be contacted by Lenox Advisors regarding your annual enrollment opportunity, which occurs each September for coverage effective the following January. Supplemental GVUL Life Insurance Coverage: Independent Contractors (employee-paid) Minimum coverage: $250,000. Supplemental coverage in amounts of $250,000, $500,000, $750,000 & $1,000,000. One time special opportunity to apply for coverage of $250,000 on a guaranteed issue basis. Maximum supplemental coverage: $1,000,000. Spouse/Domestic Partner Coverage: Minimum coverage: $30,000. Coverage available in $10,000 increments. Maximum coverage: Lesser of $150,000 or 100 percent of employee coverage. During the initial enrollment period, the first $30,000 of spouse coverage is available on a guaranteed issue basis. Dependent Child Coverage: Minimum Coverage: $10,000. Coverage is available in $5,000 increments. Maximum coverage: $25,000. Dependent child(ren) coverage is available on a guaranteed issue basis. **Tax-deferred Investment Opportunity** Within the MetLife GVUL insurance certificate there is a tax-deferred investment feature that allows you, subject to tax law limits, to contribute additional premium, above the cost of insurance, to various investment options. As long as your GVUL insurance certificate is in-force, you may contribute to these investment options, which invest in a variety of variable funds managed by DWS, Fidelity, Met Investors, Metropolitan Series, MFS, Putnam, T Rowe Price and to an interest-bearing account with a guaranteed minimum of 4 percent. Potential investment earnings accumulate on a tax-deferred basis. Prospectuses for Group Variable Universal Life insurance must precede or accompany this material. Additional copies of the prospectus for GVUL or its underlying funding options can be obtained by calling a Benefits Specialist. You should carefully consider the information in the prospectuses about the contract s features, risks, charges and expense, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlying funding choices. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. All product guarantees are subject to the financial strength and claims paying ability of Metropolitan Life Insurance Company. The amounts allocated to the variable investment options of your account balance are subject to market fluctuations so that, when withdrawn or surrendered it may be worth more or less than its original value. Group Variable Universal Life insurance has limitations. There is no guarantee that any of the variable options in this product will meet their stated goals or objectives. The account value is subject to market fluctuations so that, when withdrawn, it may be worth more or less than its original value. GVUL is issued by Metropolitan Life Insurance Company, 200 Park Ave., New York, NY and distributed through MetLife Investors Distribution Company (member FINRA), Irvine, CA Securities, including variable products, offered through MetLife Securities, Inc. (member FINRA/SIPC), 1095 Avenue of the Americas, New York, NY Metropolitan Life Insurance Company, MetLife Investors Distribution Company, and MetLife Securities, Inc. are MetLife companies. MetLife s standard certificate forms, available on or after 5/1/09 include: Certificate Forms G.24300(2003); G.24300A(2003); NY G STOCK and G.24300A STOCK. Coverage may also be provided on MetLife s previous standard Policy Forms 30037(6/96); FL (5/2005); IN (6/96); MA (6/96); MD (6/96); MN (6/96); MS (5/2005); NE (6/96); NY (5/2005); OK (6/96); OR (5/2005); PA (6/96); SC (6/96); SD (6/96); and TX (5/2005). 22

23 Director Benefits (Eligible National, Regional and International Directors) 23

24 National, Regional and International Directors are eligible for Deferred Compensation: Deferred compensation The deferred compensation plan is offered to employees at or above the National Director level. Through the plan, you may voluntarily defer compensation on a pre-tax basis through automatic payroll deductions. You may design an individual investment strategy based on your financial goals and elect a variety of payout options both before and after retirement. Eligible participants will be notified by Mullin TBG as enrollment opportunities occur. For more information about the Deferred compensation plan, please visit the Total Rewards website at 24

25 Additional information 25

26 CHIPRA The Children s Health Insurance Program Reauthorization Act of 2009 (CHIPRA) extends and expands the state children s health insurance program (CHIP). States are permitted to offer a premium assistance subsidy for coverage under certain employersponsored health plans to all low-income children who are eligible for the CHIP program. For more information, visit or call 877-KIDS-NOW or visit the Total Rewards website at COBRA The Consolidated Omnibus Budget Reconciliation Act (COBRA) requires continuation coverage to be offered to you and your covered dependents when group health coverage would otherwise be lost due because certain specific events. Those events include the death of a covered employee, termination, or reduction in the hours of a covered employee s employment for reasons other than gross misconduct, divorce or legal separation from a covered employee, a covered employee s becoming entitled to Medicare, and a child s loss of dependent status (and therefore coverage) under the plan. You may continue your coverage for up to 18 months (dependents up to 36 months) as long as you continue to pay the full cost of coverage, plus a two percent administrative charge due to Jones Lang LaSalle s COBRA administrator, each month. Plans that you may elect to continue include Medical, Dental, Vision, FSA and the Employee Assistance Program, as long as you were enrolled in these plans prior to the loss of coverage event date. HIPAA The Health Insurance Portability and Accountability Act of 1996 (HIPAA) and its implementing regulations restrict Jones Lang LaSalle s ability to use and disclose protected health information. Protected health information (PHI) includes: Information that is created or received by the Plan and relates to the past, present, or future physical or mental health or condition of a participant; the provision of health care to a participant; or the past, present or future payment for the provision of health care to a participant; and that identifies the participant, or for which there is a reasonable basis to believe the information can be used to identify the participant. It is Jones Lang LaSalle s policy to comply fully with HIPAA s requirements. To that end, all members of Jones Lang LaSalle s workforce who have access to PHI must comply with this privacy policy. This policy does not address requirements under other federal laws or under state laws. Jones Lang LaSalle will use and disclose PHI only as permitted under HIPAA. WHCRA The Women s Health and Cancer Rights Act (WHCRA) provides coverage for certain services relating to a mastectomy in a manner determined in consultation with you and your attending physician. This required coverage includes all stages of reconstruction, surgery, prostheses and treatment of physical complications from the mastectomy, including lymphedema. MEDICARE PART D CREDITABLE COVERAGE Please read the attached notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with Jones Lang LaSalle and about your options under Medicare s prescription drug coverage. This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about your prescription drug coverage is at the end of this notice. Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore, whether or not you may be required to pay a higher premium (a penalty). 26

27 Availability of Summary Health Information Summary of Benefits and Coverage (SBC) As an employee, the health benefits available to you provide important protection for you and your family in the case of illness or injury. Your plan offers a series of health coverage options. Choosing a health coverage option is an important decision. To help you make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC), which summarizes important information about any health coverage option in a standard format to help you compare across options. The SBCs can be obtained by visiting the Total Rewards portal A paper copy is also available, free of charge, by calling the Benefit Solution Group at Summary Plan Documents Summary Plan Documents, which provide complete information about the Health and Welfare plans which are provided by Jones Lang LaSalle, can be obtained by visiting the Total Rewards website at A paper copy is also available, free of charge, by calling the Benefit Solution Group at

28 Benefits Glossary Beneficiary: An individual designated by the employee to receive proceeds or benefits from the employee s life insurance or retirement plans. COBRA (Consolidated Omnibus Budget Reconciliation Act): A Federal Law that allows employees and their dependents to continue insurance coverage after a Qualifying Event, such as reduction in hours or termination of employment. Cost is at the total premium rate, plus an administration fee. Coinsurance: The percentage of cost sharing between the employee and the plan for services received. Deductible: The annual out-of-pocket payment that you make before your plan begins to pay for your healthcare typically hospitalization or procedures, NOT preventive care. Dependent: An individual such as a child, same-sex domestic partner, or spouse that is eligible for coverage under the employee s insurance plans. Health Savings Account: A Health Savings Account (HSA) is a tax-advantaged medical savings account available to Independent Contractors who are enrolled in the Plus or Basic medical plan options. The funds contributed to the account are not subject to federal income tax and you can deduct it from your taxable income when you file your taxes. The funds roll over and accumulate year to year if not spent. You can also take the money with you when you leave to save for future medical expenses. Network: Hospitals and providers having a contracted agreement with a health plan company to make covered services available to members at a significantly lower rate than those you would receive by going out-of-network. Open Enrollment: The annual period during which employees re-enroll or have the option to change their benefit selections. Out-of-network: Services received from a non-participating provider. These services require and coinsurance payments. Does not apply to Kaiser Permanente. Out of pocket maximums: The most an employee would be expected to pay on services. This is the amount plus your coinsurance maximum. Once the out-of-pocket maximum is met, covered services are paid at 100 percent of the allowed charge for the rest of the calendar year. Premium: Payment made on an insurance policy on a regular, periodic basis. Preventive Care: Health care services that are covered at 100 percent by the plan if you use an in-network provider. They are not subject co-pay,, or coinsurance. If services are received out-of-network, you will be subject to the plan coinsurance at the out of network allowable amounts, not subject to the. Status Change/Qualifying Mid-Year Event: A qualifying life event such as marital status change, birth or death of a dependent, eligibility change or job status change, that allows an employee to change benefit elections at a time other than Open Enrollment. 28

29 Useful Contacts Health Well Being Medical & Prescription Drug Coverage BlueCross Blue Shield of Texas wwwbcbstx.com Dental MetLife Vision VSP Vision United Health Care Financial Well Being Health Savings Account (HSA) Mellon Bank Personal Well-Being Employee assistance program / FinancialPoint Plus EstateGuidanceSM ParentGuidanceSM Guidance Resources Password: JLL101 Deferred Compensation Plan Mullin TBG Benefits Solutions Group Life Insurance: Enhanced (GVUL) Long-Term Disability: Supplemental Lenox Advisors MetLife GVUL (new enrollees) (current policy holders) 29