Eligibility & Enrollment Medical Insurance BCBS Value Added Benefits Pharmacy Benefits PreventionCloud Wellness Program Dental Insurance Vision Insurance Flexible Spending Account Life Insurance Disability Insurance Employee Assistance Program Unum Critical Illness Insurance Unum Accident Insurance Benefit Contact Information
Table of Contents
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2017 Benefits Enrollment
Benefits For You and Your Family
Welcome to Your
If you are a regular, full-time, hourly, or salaried employee working 30 hours or more per week, you are eligible to participate in the API Group benefits program.
Who Is Eligible?
You must enroll within the designated enrollment time frame. The benefits you elect during enrollment will stay in place for the full plan year. If you need to make changes to your benefits during the year, you must meet specific qualifications to do so. Enrolling as a new employee If you are new employee making benefit elections for the first time, your benefits will be effective the first day of the month following your date of hire or the first day of the month following the applicable waiting period. This is shown on your offer letter.
Employee Enrollment
The benefits you elect during new hire and open enrollment will stay in place for the full plan year. You cannot change your benefit elections during the plan year unless you have a qualifying life status change event in your immediate family. Life status change events include: • Marriage, divorce, or legal separation • Birth, death, or adoption of a dependent • Dependent reaching age limit • Change in employment status of you or your spouse • Change in coverage for you or your dependent • Qualified medical support order • Loss of coverage and/or eligibility under Medicare, Medicaid, or a Children’s Health Insurance Program If you have a life status change event, you must report the change within 31 days of the event if you want to change coverage.All status change events require supporting documentation, such as a copy of a birth certificate, marriage license, divorce decree, death certificate or proof of other coverage. You must submit any required documentation to the HR team within 31 days of the event in order to have your change request approved.
Making Changes During the Year
You may also cover your eligible dependents under many of API Group’s benefits plans. Your eligible dependents include your: • Legal Spouse • Children up to age 26 (whether natural, adopted, stepchildren or those for whom you have legal custody by court decree) • Totally disabled children of any age who are unmarried and physically or mentally incapable or self-support and dependent upon you for support. These children remain eligible only while you continue to be covered by the plan. Note: verification of eligibility is required when adding a dependent to your Medical, Dental, and Vision coverage. Adding New Dependents During the Year To add a new dependent during the year, you must notify HR within 31 days of the life status change event (such as the date of your marriage or a child’s birth).
Dependent Eligibility
You may cover: • Your spouse or registered domestic partner (in specific areas or where required by local contract) • Your children – Up to age 26 – Over age 26 if unmarried and mentally or physically disabled Children may include your biological children, your spouse’s/ registered domestic partner’s children, stepchildren, legally adopted children, children of whom you have legal guardianship and those who qualify as dependents on your federal income tax return. Proof of Relationship: Not required for current dependents. For new dependents, please submit the following: Marriage Certificate, Birth Certificates and/or Adoption Certificates.
Whom Can I Cover?
If your spouse is eligible under another employer’s medical plan at a cost of $180 each month or less for individual coverage for the lowest-cost plan option, your spouse must enroll in primary coverage through his/her employer to be eligible for secondary coverage under the Ensemble Medical Plan. Standard Coordination of Benefits rules would apply. You will be asked to verify that your spouse does not have other medical coverage.
Additional Eligibility Requirement for Spouse
If you receive a bill from your doctor or if you are paying for a prescription, you can pay from your HSA using your HSA debit card or checks provided by your bank.
How do I pay with an HSA?
Yes, as long as the service is a qualified expense. You can take money out of your HSA to pay yourself back with no penalty.
If I paid a health care bill with my credit card, can I pay myself back from my HSA?
Click the buttons below for more information
Appeals Process
Who Can Be Covered Under Your Plan
Helpful Terms
API Group is pleased to announce our 2021 – 2022 benefits program which has been designed to help you stay healthy and feel secure! This program is designed to help you establish and maintain a healthy work/life balance. We always strive to maximize the value you receive from each of our benefit plans, while minimizing the impact of rising healthcare costs. The healthcare coverage and income protection available to you under these plans is extensive and adds value to your total compensation within the company. The effective date for your benefits is June 1, 2021.
Eligibility & Enrollment
Open Enrollment
Benefits Educators will be available by phone during Open Enrollment to speak one-on-one with eligible employees who would like to enroll or make changes for the new plan year. These knowledgeable, trained Benefits Educators will answer questions about the benefits program, help you choose your benefit options, and assist you with completing the enrollment process. Open Enrollment will be your only opportunity to enroll in or make changes to your benefits for the 2021-2022 plan year unless you experience a qualifying life status change event.
Spousal Surcharge
Open Enrollment for the 2019 – 2020 plan year: In order to enroll in, waive, or change benefits for the upcoming plan year, you must schedule an appointment and speak with a Benefits Educator.
Please dial 877-759-7649 for assistance.
Click Here to Book Your Appointment!
MEDICAL INSURANCE
Your health-related needs and considerations are unique to you and your family.
API Group is pleased to offer medical and pharmacy benefits through Blue Cross Blue Shield.
Medical Rates
Medical Benefits Overview
Prescription Drug Plan Overview
BCBS Medical Benefits Overview
When you enroll in one of the medical plans, you automatically receive prescription drug coverage through [insert carrier]. Copayment amounts vary depending on the prescription drug tier – generic, preferred brand or non-preferred brand.
Your health plan is committed to helping you achieve your best health. Complete wellness requirements to earn a reduced premium! Please contact your local HR representative for more information and for documentation.
– BLUE CROSS BLUE SHIELD (BCBS)
:
Filing Claims and Reimbursement
Eligible Expenses
Additional Information
• Choose a specific amount of money to contribute each pay period, pre-tax, to one or both accounts during the year. • The amount is automatically deducted from your pay at the same level each pay period. • As you incur eligible expenses, you may use your flexible spending debit card to pay at the point of service or submit the appropriate paperwork to be reimbursed by the plan.
BCBS Value Added Benefits
Click here for an Eligible Expense Guide!
Dependent Care • Child care (at a day care center, day camp, sports camp, nursery school or by a private sitter) • Before and after-school care (must be billed separately from tuition) • Adult day care expenses • Expenses for a housekeeper whose duties include caring for an eligible dependent • Placement fee expenses and stipend for an au pair This is a sample list only. Eligible expenses are subject to change based on IRS guidance. Please review your employer’s benefit plan documents for specifics regarding eligible expenses under your spending account plan. Your employer’s plan documents have final authority on eligibility. This document provides a general overview and is not inclusive, nor a guarantee of eligibility or payment. *Expenses that require a letter of medical necessity from your health care provider in order to be considered eligible for reimbursement.
Do The Math!
The below table will help you to determine the annual payroll deduction as well as the annual out of pocket maximum for each plan. Remember contributions are a GUARANTEED COST! Which plan is best for you?
Are you paying for a benefit that you aren’t using?
Choose The Right Plan For You
How much can I contribute to my HSA account?
You build your account balance through employee and employer contributions, subject to annual limits set by the federal government. For 2019, the contribution limit (employee and employer combined) is $3,500 for individual coverage and $7,000 for all other coverage levels. The catch-up contribution limit is $1,000 for employees age 55 and older.
How do I contribute to my HSA account?
Contributions are made on a pre-tax basis through payroll deductions. You must elect to make contributions to your H$A in order to be eligible for the employer contribution.
What happens to my HSA if I leave the company?
All of the money in your HSA remains yours even if you leave the company, move out of the PPO plus HSA or retire. Unused money is never forfeited. So, if you don’t use all the money for today’s medical expenses, you can save it for your future expenses.
How do I use my HSA funds?
To use the funds in your HSA for qualified medical expenses, you may: 1. Use the “Pay My Provider” feature on the HealthEquity website to send an online payment to your medical provider. 2. Use the HealthEquity-issued debit card to pay for eligible expenses at the point of purchase. 3. Pay for your expenses with other funds and reimburse yourself with the HSA dollars. Qualified health care expenses may be incurred by you, your spouse or any of your eligible dependents and include: • Deductibles • Copays and coinsurance • Over-the-counter drugs (with a prescription) • Glasses and contact lenses • Laser eye surgery • Dental and orthodontic expenses (excluding cosmetic procedures)
Blue Access for Members (BAM)
BAM is your online resource. Do you need to know if your medical claims have been paid or confirm who in your family is covered under your insurance? BAM, the secure member portal from BCBSTX, can help. Get immediate online access to health and wellness information and: • View and print an Explanation of Benefits (EOB) statement for a claim • Set your preferences to receive claims notifications and wellness updates through email and text • Locate an in-network doctor or hospital • Request a new or replacement member ID card Find What You Need at Blue Access for Members (BAM) • Use the My Health tab to make more informed health care decisions by reading about health and wellness topics. • Use the form finder to get medical, dental, pharmacy, and other forms quickly and easily. • The message center provides updates to your plan and notifications of pending claims. • The help button lets you look up definitions and get answers to FAQs.
Blue365 helps you save money on health and wellness products and services from top retailers not covered by your insurance. You’ll save on hearing aids, dental products, Jenny Craig® and Nutrisystem® weight loss programs, Reebok, and more. To sign up, visit blue365deals.com/BCBSTX. Blue365® Vision Discount Program This program may offer savings on eyeglasses, contact lenses, eye exams, accessories, and laser vision correction. To find a provider in the participating Davis Vision Network, go to davisvision.com, click “Member” and enter Client Code 2295. Have You Been Vaccinated? BlueCross BlueShield of Texas wants to help you be protected from illnesses like the flu. As part of yourBCBSTX prescription drug benefit, you and your covered family members may get select vaccinations at participating pharmacies. • Visit bcbstx.com and log in to Blue Access for Members • Click “Prescription Drugs” in the “Quick Links” box on the right. • This takes you to MyPrime.com. • Select “Forms” and scroll to Pharmacy Vaccine Network to search the list. Online Prescription Drug Resources... Information When You Want It.To get started, visit www.bcbstx.com and log in to Blue Access for Members. Click on “Prescription Drugs.” There, you’ll find resources to help you make cost-saving decisions, ensure your medications are covered by your plan, and get tips on using MyPrime.com.
Blue365®
It’s Easy To Get Started On BAM!
1. Go to bcbstx.com. 2. Click the “Already a Member?” tab. Then click the “Register Now” button in the BAM section. 3. Use the information on your BCBSTX ID card to complete the registration process.
Pharmacy Benefits
It is important to be an informed consumer, especially with your prescription drug options. All Blue Cross Blue Shield medical plan options include prescription drug coverage. Retail Pharmacy Present your medical plan ID card at a participating pharmacy. You will receive up to a 30-day supply for your prescription. You will pay a copay based on the type of prescription you receive. Save Money on Your Medications Ask for Generic Drugs You can save money by asking for generic drugs. The FDA requires that generic drugs have the same high quality, strength, purity, and stability as brand-name drugs. The next time you need a prescription, ask your doctor to prescribe a generic drug when it is available and appropriate. Formulary generic FDA-approved women’s contraceptives and certain over-the-counter preventive medications are covered at 100% in-network. Mail-Order – Your Best Value If you take maintenance medications for conditions such as high blood pressure, asthma, or diabetes, BCBS/Prime’s Mail Order service can save you time and money. When using the mail order service, you will receive a 3-month (90-day) supply delivered directly to your door. For additional information about your pharmacy drug benefit, please log onto bcbstx.com.
Wellness Program
New this year, employees and their spouses can join PreventionCloud, API’s new wellness program. PreventionCloud allows you to participate in wellness activities like taking a Health Risk Assessment and going for preventive screenings to earn rewards. To get started, using your computer or mobile device, go to www.preventioncloud.com: 1. Enter your username: FirstnamelastnameBirthyear (ex: JOHNSMITH1972) 2. Enter your password: Birthday (MMDDYYYY) Be on the lookout for the new Wellness Program Manual for more details! If you have any questions, please contact support@preventioncloud.com.
PreventionCloud – Your Wellness Program
In this example, applicable deductibles have been met, and the participant visits a dentist to have a basic service provided. If the dentist’s submitted fee of $120 is covered at 80%, the claim may be processed as follows for each network:
How It Works
Participants may save the most money and receive the highest level of coverage when they visit a Delta Dental PPO dentist. Our PPO dentists have agreed to accept lower fees as full payment for covered services. Participants may still save money if they visit a Delta Dental Premier dentist who agrees to accept Delta Dental’s fee determination as full payment for covered services.
The Dual Network Advantage
Dental Insurance
Regular visits to your dentists can protect more than your smile; they can help protect your health.
API Group offers a dental plan through Cigna. The chart below is a brief outline of the plan. Please refer to the summary plan description for complete plan details.
Dental Rates
Dental Overview
Cigna Dental Benefits Overview
Dental Plan Rates (Bi-Weekly)
* When you receive services from a Nonparticipating Dentist, the percentages in this column indicate the portion of Cigna’s Nonparticipating Dentist Fee that will be paid for those services. The Nonparticipating Dentist Fee may be less than what your dentist charges, and you are responsible for that difference.
– Cigna
Vision Insurance
Routine vision exams are important, not only for correcting vision but because they can detect other serious health conditions.
Vision Overview
Vision Rates
API Group is pleased to offer vision benefits through Cigna. This comprehensive vision plan is designed to promote optimum eye health for you and your family. The chart below is a brief outline of the plan. Please refer to the summary plan description for complete details.
Cigna Vision Benefits Overview
Vision Plan Rates (Bi-Weekly)
* Lenses OR Contact Lenses once every 12 months **Contact lens fit and two follow-up visits are available once a comprehensive eye exam has been completed.
Important Rules to Keep In Mind
Note: You must re-elect your FSA for the new plan year. This benefit does not automatically roll over to the new plan year. You can make an FSA election by logging into your ADP self-service portal or by making an appointment with a Benefits Educator by visiting www.APIbenefits.com or by calling 877-759-7649.
How An FSA Works
• To be considered for reimbursement, eligible expenses must be incurred during the plan year (June 1st – May 31st). • You have 90 days after the end of the plan year to file claims for any eligible expenses incurred during the plan year. In other words, you have until August 31st to seek reimbursement for expenses incurred through May 31st. • Most over-the-counter medications are not eligible for reimbursement, unless they are accompanied by a doctor’s prescription. • You cannot cancel or change the amount of your contribution unless you have a life change event. • With the Health Care FSA, you can be reimbursed up to the total amount you elected to contribute for the plan year (minus any reimbursements to date), regardless of how much you have contributed at that time. This means you do not need to wait for the money to be in the account before you use it. • With the Dependent Care FSA, you can only be reimbursed up to the balance of your FSA at the time you seek reimbursement.
The Dependent Care FSA lets you set aside tax-free dollars to pay for expenses such as day care for a child or an elderly or disabled adult relative. Your Dependent Care FSA lets you pay for these types of care in the most tax-efficient method the government allows.
Dependent Care Flexible Spending Account
Health Care Flexible Spending Account
How an FSA Works
The Flexible Spending Account (FSA) plan allows you to set aside pre-tax dollars to cover qualified expenses. You can save money with a health care spending account and/or a dependent care account. You pay no federal or state income taxes on the money you place in an FSA.
When you participate in an FSA, you have money withdrawn from your paycheck pre-tax. This lowers your taxable income each pay period, meaning you keep more money in your pocket. Then, when you pay for eligible expenses, you can request reimbursement from the account. The plan reimburses you with tax-free dollars. There are two FSAs available to you, the Health Care FSA, and the Dependent Care FSA.
Maximum Annual Election
The Health Care FSA lets you set aside tax-free dollars to pay for many medical, dental, and vision expenses that aren’t covered by your other benefit coverages. Eligible expenses include your annual deductibles, copayments, and out-of-pocket costs for eyeglasses and physical exams. For a complete list of eligible expenses, refer to IRS Publication 502 or visit www.irs.gov. Keep in mind: • You may not use money in your Health Care FSA to pay for your medical, dental or vision group coverage contributions, because those contributions are automatically deducted from your pay on a before-tax basis. • You may be reimbursed for any eligible expenses incurred by you or any dependents you claim for income tax purposes.You are not required to have any other API Group health coverage to participate in the Health Care FSA.
Flexible Spending Account
FSA Maximum Annual Election
Use it or Lose it! Plan carefully when you are deciding how much money to contribute to your FSA. You are able to roll over up to $500 of unused funds at the end of the plan year. The IRS dictates that you forfeit any contributions left over this amount. This is called the “use it or lose it” rule.
– wageworks
$2,850
Basic Life Summary (PT)
Basic Life Summary (FT)
A fundamental element of any benefits package is life insurance designed to protect you and your loved ones from financial hardships related to an untimely death. You may receive basic life insurance and accidental death and dismemberment (AD&D) insurance automatically, at no cost to you This provides a benefit if you die in a covered accident or you suffer certain serious injuries, such as loss of eyesight or a limb. You may purchase voluntary life and AD&D coverage in increments of $10,000, up to a maximum of 5 times your annual earnings, not to exceed $500,000. Coverage will be provided to you at your initial enrollment on a Guaranteed Issue basis (no medical questions) for any amounts up to a maximum of $150,000 for employees, $25,000 for spouses and up to $10,000 for dependent children (some limitations may apply for currently disabled dependents or those with a life-threatening condition). Eligible Employees: If you and your dependents do not enroll within 31 days of your initial eligibility date, you may apply for coverage at your next annual enrollment period, but you will be subject to medical questions, and this review may result in coverage being declined. Imputed Income: Federal tax laws require you to pay taxes (based on IRS tables) on the cost of any company-provided life insurance coverage over $50,000. This cost is considered imputed income and will be added to your gross taxable income.
Basic Life and AD&D Insurance
Life Insurance
Having life and accidental death insurance can help protect your family's financial security.
The plan is designed to protect you and your loved ones from financial hardships related to an untimely death.
Voluntary Life and Accidental Death and Dismemberment (AD&D) Insurance - Mutual of Omaha
You may purchase additional Voluntary Life and AD&D insurance through Mutual of Omaha to meet your personal family needs. Protecting your family’s future is of the utmost importance, and this plan provides an excellent opportunity to purchase affordable Supplemental Life insurance at a low group rate. You pay the total cost of this benefit through convenient payroll deductions.
Basic Life and Accidental Death and Dismemberment (AD&D) Insurance - Mutual of Omaha
A fundamental element of any benefits package is life insurance designed to protect you and your loved ones from financial hardships related to an untimely death. API Group provides you with $10,000 of Basic Life and AD&D through Mutual of Omaha. This benefit is provided to you at no cost. Benefits reduce to 65% at age 65 and 50% at age 70.
IMPORTANT REMINDER: You must complete a beneficiary form for your life insurance policies. If you need to add or update your beneficiary, schedule an appointment to speak to an educator to ensure accurate and up to date beneficiary information is confirmed on your account. You can make a beneficiary election by logging into your ADP self-service portal or by making an appointment with a Benefits Educator by visiting www.APIbenefits.com or by calling 877-759-7649. If you need to complete Evidence of Insurability (EOI), you can complete an online EOI application at the Mutual of Omaha Evidence of Insurability website.
Voluntary Life and AD&D Overview
Voluntary Life and AD&D Rates
To calculate your per pay period cost for voluntary life insurance use the formula below The amount of insurance you want $______________ Divided by 1,000 = $______________ Times rate from chart = $______________ Times 12 months = $______________ Divided by 26 pay periods = your per paycheck cost $______________
Disability Insurance
The plan is designed to protect you and your loved ones from financial hardships due to a non-work related illness or injury.
Long Term Disability
Short Term Disability
Short-Term Disability Insurance
API Group provides the option for short-term income protection in the event you become unable to work due to a non-work related illness or injury. Short-Term Disability insurance through Mutual of Omaha is provided to you through convenient payroll deductions. The Short-Term Disability plan pays a percentage of your weekly base salary up to the specified maximum. You must fulfill the 14-day elimination period in order to receive disability benefits. Please see the summary plan description for complete plan details. Short-Term Disability insurance does have limitations in the event of a pre-existing condition. This means that if you received medical treatment, consultation, services, or care in the 3 months prior to the effective date of coverage, it will not be covered. This also applies if disability begins in the first 6 months after the effective date of coverage.
Long-Term Disability Insurance
API Group also provides Long-Term Disability coverage through Mutual of Omaha. If you have an illness or injury that lasts longer than 90 days, this plan replaces 60% of your base monthly pay, up to a monthly maximum of $10,000. It can help you pay your bills and protect your finances at a time when you have extra medical costs but don’t get a paycheck. Long-Term Disability insurance does have limitations in the event of a pre-existing condition. This means that if you received medical treatment, consultation, services, or care in the 12 months prior to the effective date of coverage, it will not be covered. This also applies if disability begins in the first 12 months after the effective date of coverage.
To calculate your per pay period cost for STD use the formula below Your Annual Salary $______________ Divided by 52 (Your Weekly Earnings) $______________ Times (x) 60% (Weekly Benefit) $______________ (if calculated amount exceeds weekly max of $2,308 enter $2,308) Divided by 10 = $______________ Times (x) rate from chart = $______________ Times (x) 12 months = $______________ Divided by 26 = Your bi-weekly pay period cost $______________
To calculate your per pay period cost for LTD use the formula below Your Annual Salary $______________ Divided by 12 (your monthly earnings) $______________ (if calculated amount exceeds $16,667 enter $16,667) Times (x) 60% (Monthly Benefit) $______________ Divided by 100 = $______________ Times (x) rate from chart = $______________ Times (x) 12 months = $______________ Divided by 26 = Your per pay period cost $______________
If you declined Short-Term Disability as a new hire, you may get it at a later date, but you MUST complete Evidence of Insurability by completing an online EOI application at Mutual of Omaha Evidence of Insurability.
Employee Assistance Program (EAP)
EAP Benefits
• Unlimited telephone access to EAP professionals 24 hours a day, seven days a week • Telephone assistance and referral • Service for employees and eligible dependents • Robust network of licensed mental health professionals • Three face-to-face sessions* with a counselor (per household per calendar year) - *Face-to-face visits can also be used toward legal consultations - *California Residents: Knox-Keene Statute limits no more than three face-to-face sessions per six- month period per person. • Legal assistance and financial services - Online will preparation - Legal library & online forms - Telephonic financial consultation • Resources For: - Financial tools and resources - Substance abuse and other addictions - Dependent and elder care assistance & referral services • Access to a library of educational articles, handouts, and resources via mutualofomaha.com/eap.
You can trust your EAP professional to assess your needs and handle your concerns in a confidential, respectful manner. Our goal is to collaborate with you and find solutions that are responsive to your needs. Your EAP benefits are provided through your employer. If additional services are needed, your EAP will help locate appropriate resources in your area.
Mutual of Omaha’s Employee Assistance Program (EAP) assists employees and their eligible dependents with personal or job-related concerns, including: • Emotional well-being • Family and relationships • Legal and financial • Healthy lifestyles • Work and life transitions
What To Expect
Don’t delay if you need help. Visit mutualofomaha.com/eap or call 800-316-2796 for confidential consultation and resource services.
Will Preparation
Worldwide Travel Assistance
Identity Theft Assistance
You have access to affordable, online will preparation services provided by Willing. Willing uses bank-level security to keep your information safe and secure. In just 10 minutes, you can create a personalized will.
• Log on to www.willing.com/mutualofomaha • Answer simple multiple choice questions on your computer or smartphone • Download and print any document instantly • At time of checkout, enter Mutual55 to receive your affordable Will Preparation package • Update your information with any major life change, i.e., marriage, divorce, birth of a child • Plan includes Last Will & Testament, Living Will, Power of Attorney, and Revocable Living Trust or Transfer of Death Deed at an affordable price
Create your will at: www.willing.com/mutualofomaha
Here's How It Works
Immediate Attention For Emergencies While Traveling
While traveling more than 100 miles from home you may access Travel Assistance services 24/7 by calling the toll-free number for immediate help from a travel assistance professional.
Services available for business and personal travel.
For inquiries within the U.S. call toll free:
1-800-856-9947
Outside the U.S. call collect:
312-935-3658
• Telephonic translation and interpreter services – 24/7 access to telephone translation services • Locating legal services – referrals for local attorney or consular offices and help maintain business and family communications until legal counsel is retained (includes coordination of financial assistance for bonds/bail) • Baggage – assistance with lost, stolen, or delayed baggage while traveling on a common carrier • Emergency payment and cash – assistance with advance of funds for medical expenses or other travel emergencies by coordinating with your credit card company, bank, employer, or other sources of credit; includes arrangements for emergency cash from a friend, family member, business, or credit card • Emergency messages – assistance with recording and retrieving messages between you, your family and/or business associates at any time • Document replacement – coordination of credit card, airline ticket or other documentation replacement • Vehicle return – if evacuation or repatriation is necessary, return your unattended vehicle to the car rental company
Emergency Travel Support Services
Travel Assistance can help you avoid unexpected bumps in the road anywhere in the world. For you, your spouse, and dependent children on any single trip, up to 120 days in length, more than 100 miles from home. Minimize travel hassles by calling us pre-departure for: • Information regarding passport, visa, or other required documentation for foreign travel • Travel, health advisories and inoculation requirements for foreign countries • Domestic and international weather forecasts • Daily foreign currency exchange rates • Consulate and embassy locations
Access ID Theft Assistance services by calling AXA Assistance toll-free at (800) 856-9947.
Identity Theft Assistance, provided by AXA Assistance, helps you and your dependents understand the risks of identity theft, learn how to prevent it, and most importantly, assist you if your information is compromised.
We help you understand the growing threat of identity theft by: • Promoting awareness of identity theft • Answering your questions about identity theft and how to recognize if you’ve become a victim • Educating you on how to avoid having your identity stolen
Awareness and Education
If your identity is compromised, the most important thing to do is respond quickly. We assist you by: • Connecting you to the fraud departments at your bank(s) and credit card companies • Facilitating access to credit bureaus and obtaining a complimentary credit report • Guiding you in contacting federal government and local law enforcement agencies and filing reports and complaints
Recovery Assistance
Will Preperation
• Telephonic translation and interpreter services – 24/7 access to telephone translation services • Locating legal services – referrals for local attorney or consular offices and help maintain business and family communications until legal counsel is retained (includes coordination of financial assistance for bonds/bail) • Baggage – assistance with lost, stolen or delayed baggage while traveling on a common carrier • Emergency payment and cash – assistance with advance of funds for medical expenses or other travel emergencies by coordinating with your credit card company, bank, employer, or other sources of credit; includes arrangements for emergency cash from a friend, family member, business or credit card • Emergency messages – assistance with recording and retrieving messages between you, your family and/or business associates at any time • Document replacement – coordination of credit card, airline ticket or other documentation replacement • Vehicle return – if evacuation or repatriation is necessary, return your unattended vehicle to the car rental company
Travel Assistance can help you avoid unexpected bumps in the road anywhere in the world. For you, your spouse and dependent children on any single trip, up to 120 days in length, more than 100 miles from home. Minimize travel hassles by calling us pre-departure for: • Information regarding passport, visa or other required documentation for foreign travel • Travel, health advisories and inoculation requirements for foreign countries • Domestic and international weather forecasts • Daily foreign currency exchange rates • Consulate and embassy locations
unum Critical Illness Insurance
Critical Illness Insurance can pay money directly to you when you’re diagnosed with certain serious illnesses.
If you’re diagnosed with an illness that is covered by this insurance, you can receive a benefit payment in one lump sum. You can use the money however you want.
Complement your health insurance to help you pay for the costs associated with a hospital stay
Hospital Indemnity Insurance
What is covered?
Covered conditions include: • Heart attack • Blindness • Major organ failure • End-stage kidney failure • Benign brain tumor • Coronary artery bypass surgery (pays at 25% of lump sum benefit) • Coma that lasts at least 14 consecutive days • Stroke whose effects are confirmed at least 30 days after the event • Occupational HIV • Permanent paralysis of at least two limbs due to a covered accident Coverage is also included for: • Cancer • Carcinoma in situ – pays 25% of your coverage amount. (Carcinoma in situ is defined as cancer that involves only cells in the tissue in which it began and that has not spread to nearby tissues.)
Who can get coverage?
If you didn’t get coverage when you were first eligible, you’ll have to answer medical questions now. If you’re newly eligible, you are guaranteed coverage up to the Guaranteed Issue with no medical questions. If you already have coverage, you can increase it up to the maximum available, but will be subject to medical questions.
What Else Is Included?
A Wellness Benefit Every year, each family member who has Critical Illness coverage can also receive $50 for getting a health screening test, such as: • Blood Tests • Chest X-rays • Stress Tests • Colonoscopies • Mammograms • And other tests listed in your policy A Recurrence Benefit You can receive an additional payment if you have a second occurrence of benign brain tumor, heart attack, coma, or stroke – as long as 12 months have passed between the two diagnoses. The Recurrence Benefit pays 100% of your coverage amount.
How does it work?
• The money can help you pay out-of-pocket medical expenses, like copays and deductibles. • You can use this coverage more than once. Even after you receive a payout for one illness, you’re still covered for the remaining conditions. If you have a different condition later, you can receive another benefit. • This insurance pays you once for each eligible illness. However, the diagnoses must be at least 90 days apart, and the conditions can’t be related to each other.
Why is this coverage so valuable?
Why should I buy coverage now?
• It’s more affordable when you buy it through your employer. • The cost is conveniently deducted from your paycheck. • You can keep coverage if you leave the company or retire. You’ll be billed at home.
Exclusions and limitations Individuals must have comprehensive medical coverage to be eligible for this critical illness insurance. Reduction of benefits Any coverage in force prior to the insured’s 70th birthday will be reduced on the policy anniversary date following the insured’s 70th birthday. The insured’s face amount will be reduced to 50% of the face amount the insured had prior to the policy anniversary date. Any coverage in force after the policy anniversary date following the insured’s 70th birthday will not be subject to a benefit reduction on subsequent policy anniversary dates. Exclusions and Limitations Unum will not pay benefits for a claim that is caused by, contributed to by, or occurs as a result of: • Participating or attempting to participate in a felony or being engaged in an illegal occupation; or • Committing or trying to commit suicide or injuring oneself intentionally, whether sane or not; or • Participating in war or any act of war, whether declared or undeclared; or • Committing acts of terrorism; or • Being under the influence of or addicted to intoxicants or narcotics. This would not include physician-prescribed medication, taken in the prescribed dosage Termination of employee coverage If you choose to cancel your coverage under the policy, your coverage ends on the first of the month following the date you provide notification to your employer. Otherwise, your coverage under the policy ends on the earliest of the: • Date this policy is canceled; • Date you are no longer in an eligible group; • Date your eligible group is no longer covered; • Date of your death; • Last day of the period for which you made any required contributions; or • Last day you are in active employment. However, as long as premium is paid as required, coverage will continue if you elect to continue coverage under the portability provision or in accordance with the Layoff and Leave of Absence provisions of this policy. Coverage on your dependent children ends on the earliest of the date your coverage under this policy ends or the date a dependent child no longer meets the definition of dependent children. Unum will provide coverage for a payable claim which occurs while you are covered under this policy. THIS INSURANCE PROVIDES LIMITED BENEFITS This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and imitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form CI-1 or contact your Unum representative. Underwritten by: Unum Life Insurance Company of America, Portland, Maine © 2018 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.
Critical Illness & Accident Insurance
How to Enroll in Voluntary Insurance Benefits
• Go to www.plane.biz.com and register by entering your Last Name, Date of Birth, and SSN/EE ID (Last 4 digits) as designated on the plane.biz registration page. • Create a logon ID and password to be used should you want to review or change elections already made on this year’s enrollment. • Review and update, if necessary, demographic data on the Personal Information screen. • You will need to “Apply” or “Opt out” of benefits on the Benefit Summary screen. If more product information is needed concerning the benefit for which you are applying, you may click on the “Learn” button. • You may reference instructions at the top of each enrollment page, if you are not sure how to enroll, for example, if you want to opt out of coverage, but want to enroll your spouse. • Once you have applied for, or opted out of all available benefits, you need to review and sign the Benefit Election Authorization at the bottom of the Benefit Summary screen. • The enrollment process is now complete and you may close the browser to log out.
Voluntary Insurance Benefits
Accident Insurance can pay for covered accidental injuries and their treatment.
Unum Accident Insurance
*Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage. Spouses and dependent children must reside in the United States to receive coverage.
Accident Insurance coverage includes, but is not limited to: • Emergency Room Treatment • Hospital Admission and Confinement • Ambulance • Physical Therapy • Prosthetics • Family Lodging • Paralysis • Concussion • Lacerations • Burns See Schedule of Benefits for a complete listing of what s covered.
Click Here for more information: English Accident Flyer Spanish Accident Flyer
What's Included?
Wellness Benefit Every year, each family member who has Accident Insurance coverage can also receive $50 for getting a health screening test, such as: • Blood Tests • Chest X-rays • Stress Tests • Colonoscopies • Mammograms
Accident Insurance can pay a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. And it includes a rage of incidents, from common injuries to more serious events.
• It can help you with out-of-pocket costs that your medical plan doesn’t cover, like copays and deductibles. • You’re guaranteed base coverage, without answering health questions. • The cost is conveniently deducted from your paycheck. • You can keep your coverage if you change jobs or retire. You’ll be billed directly.
Bi-Weekly Rates
THIS IS A LIMITED BENEFITS POLICY. Effective date of coverage Coverage becomes effective on the first day of the month in which payroll deductions begin. Exclusions and limitations Unum will not pay benefits for a claim that is caused by, contributed to by or occurs as a result of: • Participating in war or act of war, whether decorated or undeclared; • Committing acts of terrorism; • Riding in or driving any motor driven vehicle in a race, stunt show or speed test; • Operating, learning to operate, serving as a crew member of or jumping, parachuting; or falling from any aircraft or hot air balloon , including those which are not motor driven. This does not include flying as a fare paying passenger; • Engaging in hang-gliding, bungee jumping, sailgliding, parasailing; • Participating or attempting to participate in a felony, being engaged in an illegal occupation or being incarcerated in a penal institution; • Committing or trying to commit suicide or injuring oneself intentionally, whether sane or not; • Practicing for or participating in any semi-professional or professional competitive athletic contents for which any type of compensation or remuneration is received; • Having any sickness or declining process caused by a sickness, including physical or mental infirmity including any treatment for allergic reactions. Unum also will not pay benefits to diagnose or treat the sickness. Sickness means any illness, infection, disease or any other abnormal physical condition which is not caused by an injury. In addition to the exclusions listed above, Unum will also not pay the catastrophic accidental dismemberment or catastrophic accidental loss benefit for the following injuries that as caused by or are the result of: • An insured’s being intoxicated or under the influence of any narcotic unless administered on the advice of a physician; or • Injuries to a dependent child received during the birth. Termination of employee coverage If you choose to cancel your coverage under the policy, your coverage ends on the first of the month following the date you provide notification to your employer. Otherwise, your coverage under the policy ends on the earliest of the: • Date this policy is canceled; • Date you are no longer in an eligible group; • Date your eligible group is no longer covered; • Date of your death; • Last day of the period for which you made any required contributions; or • Last day you are in active employment. However, as long as premium is paid as required, coverage will continue if you elect to continue coverage under the portability provision or in accordance with the Layoff and Leave of Absence provisions of this policy. Coverage on your dependent children ends on the earliest of the date your coverage under this policy ends or the date a dependent child no longer meets the definition of dependent children. Unum will provide coverage for a payable claim which occurs while you are covered under this policy. THIS IS A LIMITED BENEFITS POLICY This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and imitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Formga-1 ET AL or contact your Unum representative. Unum complies with state civil union and domestic partner laws when applicable. Underwritten by: Unum Life Insurance Company of America, Portland, Maine © 2018 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.
This guide describes the benefit plans available to you as an employee of API Group. The details of these plans are contained in the official plan and policy documents, including some insurance contracts. This guide is meant only to cover the major points of each plan or policy. API Group reserves the right to amend, modify, or terminate any benefit plan and/or cancel or modify any contributions, plan design, benefits provision, or plan without prior notification. If there is a conflict between the information in this guide and the formal language of the plan or policy documents, the formal wording in the plan or policy documents will govern.
Benefit Contact Information
USI Benefit Resource Center 855-874-0110 BRCSouthwest@usi.com
1) Attend a Benefits Orientation 2) Gather your dependent and beneficiary information to complete enrollment form. 3) Complete and sign the enrollment form provided to you by your local HR Representative. 4) Enroll in the Unum Voluntary plans by scheduling your appointment online or by calling 877-759-7649.
DOCUMENTS & RESOURCES
Legal Notices (2022-2023)
Vanguard Retirement Guide - English Version
Vanguard Retirement Guide - Spanish Version
Vanguard Retirement Guide - Vietnamese Version
Retirement FAQ - Vietnamese Version
Retirement FAQ
RETIREMENT
GENERAL
Benefits Guide
Guía de Beneficios
Hướng dẫn lợi ích
သင့်ရဲ့အကျိုးကျေးဇူးများလမ်းညွှန်ကိုကြည့်ပါ
How to Schedule
Làm thế nào để sắp xếp cuộc hẹn của bạn
Como programar tu cita
ENROLLMENT APPOINTMENT SCHEDULING INSTRUCTIONS
See below for ADP Self-Service Instructions:
ADP Self-Service Instruction
Hướng dẫn Tự phục vụ ADP
Instrucciones de autoservicio de ADP
See below for Unum Self-Service Instructions (Voluntary Benefits Enrollment):
Unum Self-Service Instruction
Hướng dẫn Tự phục vụ Unum
Instrucciones de autoservicio de Unum
