2020 Benefits Guide

Glossary of Terms …….............................................................................................................................................. Welcome Message ................................................................................................................................................... Benefits Eligibility ..................................................................................................................................................... Qualifying Life Events and Notice of Special Enrollment Rights .............................................................................. When & How to Enroll ............................................................................................................................................. Medical Plan Options ............................................................................................................................................... What is a Health Reimbursement Account? ………………………………………….………………………………..……………………... What is a Health Savings Account? ………………………………………………….…………………………………………………………..…. Motivate Me® Wellness Incentive Program .............................................................................................................. Cigna Health Programs &Resources .......................................................................................................................... Medical + Prescription Drug Benefits At-A-Glance ................................................................................................. 2020 Medical Bi-Weekly Payroll Contributions ……………………………….………………………………………………...……..…….. Which Plan is Right for You? .......................................................................................................................................... Dental Plan Options .................................................................................................................................................. Vision Plan ................................................................................................................................................................. Flexible Spending Accounts (FSAs) ........................................................................................................................... HRA, HSA, FSA | What’s the Difference? ................................................................................................................. Life + Accidental Death & Dismemberment (AD&D) ............................................................................................. Disability Benefits .................................................................................................................................................... Employee Assistance Program (EAP) ........................................................................................................................ 401(k) Plan ................................................................................................................................................................ Voluntary Benefits through MetLife ® ....................................................................................................................... Accident Insurance Critical Illness Insurance Hospital Indemnity Insurance Additional Voluntary Benefits ……………………………………………………...........................................................................

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My Pet Protection® Plans from Nationwide Identity Theft Protection from Lifelock® Legal Insurance from ARAG® Auto and Home Insurance Discount Program from Liberty Mutual®

MAA Associate Disaster Relief Fund ………............................................................................................................... Open Arms ………........................................................................................................................................................ Get Connected. ......................................................................................................................................................... Benefit Vendor Contacts + Websites ....................................................................................................................... Affordable Care Act Information and Important Health Plan Notices .....................................................................

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