Salary / Exempt Employees
Benefits at a Glance
Plan Year: September 1, 2017 through August 31, 2018
CONTENTS & CONTACT INFORMATION
Refer to this list when you need to contact one of your benefit vendors. For general information contact Human Resources at benefits@tradeglobal.com or call 513-830-0107.
TRADE GLOBAL Human Resources Phone Number
513-830-0107
Human Resources E-mail Address
benefits@tradeglobal.com
BROKER Company Name
M.E. Wilson Company
Broker Contact
Alison Leon
Company Phone Number
813-229-8021 Ext. 146
Company Email Address
aleon@mewilson.com
MEDICAL
page 3
Company Name
UMR
Company Phone Number
800-826-9781
Company Web Address
www.umr.com
TELEMEDICINE PROGRAM
page 5
Company Name
HealthiestYou
Company Phone Number
866-703-1259
Company Web Address
www.healthiestyou.com
MEDLINK SUPPLEMENTAL
page 5
Company Name
MedLink / American Public Life
Company Phone Number
800-256-8606
HEALTH SAVINGS ACCOUNT (HSA)
page 6
Company Name
Bank of America
Company Phone Number
866-791-0250
Company Web Address
www.bankofamerica.com/benefitslogin
DENTAL
page 7
Company Name
MetLife
Company Phone Number
1-800-942-0854
Company Web Address
www.metlife.com
VISION
page 8
Company Name
MetLife
Company Phone Number
1-855-638-3931
Company Web Address
www.metlife.com
CONTENTS & CONTACT INFORMATION (cont’d)
BASIC & VOLUNTARY LIFE
page 9
Company Name
MetLife
Company Phone Number
1-800-523-2894
Company Web Address
www.metlife.com
SHORT AND LONG TERM DISABILITY
page 10
Company Name
MetLife
Company Phone Number
1-800-858-6506
Company Web Address
www.metlife.com
ACCIDENT & CRITICAL ILLNESS
page 12
Company Name
MetLife
Company Phone Number
1-800-438-6388
Company Web Address
www.metlife.com
LEGAL AID & ID THEFT PROTECTION
page 14
Company Name
LegalShield / IDShield
Company Phone Number
800-654-7757
Company Web Address
www.mylegalshield.com www.myidshield.com
401K RETIREMENT PLAN
page 15
EMPLOYEE ASSISSTANCE PROGRAM
page 16
Company Name
MetLife
Company Phone Number
1-844-763-8543
Company Web Address
www.metlifeeap.com
ADDITIONAL BENEFITS
page 16
ONLINE ENROLLMENT SYSTEM
page 17
Company Name
Web Benefits Design
Company Phone Number Company Web Address
1-888-574-7704
www.mybensite.com/tradeglobal
DISCLOSURE NOTICES
page 19
BENEFIT INFORMATION
Benefit
Who pays the cost?
TradeGlobal pays the majority of the employee premium and contributes toward the dependent cost for all eligible employees. TradeGlobal pays the entire cost of this benefit if the employee is enrolled in the company medical plan. Employees not on the company medical plan can still elect this benefit at their own cost.
Medical Insurance
YOUR BENEFITS PLAN
TradeGlobal offers a variety of benefits allowing you the opportunity to customize a benefits package that meets your personal needs. In the following pages, you’ll learn more about the benefits offered. You’ll also see how choosing the right combination of benefits can help protect you and your family’s health and finances – and your family’s future.
HealthiestYou
MedLink
The employee pays the entire cost.
Dental Insurance
The employee pays the entire cost.
Vision Insurance
The employee pays the entire cost.
Basic Life/AD&D Insurance
TradeGlobal pays the entire cost.
Voluntary Life Insurance
The employee pays the entire cost.
Short Term Disability
TradeGlobal pays the entire cost.
Voluntary Long Term Disability
The employee pays the entire cost.
Accident & Critical Illness
The employee pays the entire cost.
LegalShield & IDShield
The employee pays the entire cost.
ELIGIBILITY
All Regular full-time employees and eligible dependents are eligible to join the TradeGlobal Benefits Plan on the: • 1 st of the month following 30 days for salary/exempt employees • 1 st of the month following 60 days for hourly/non-exempt employees.
WHEN CAN YOU ENROLL?
You can sign up for Benefits at any of the following times:
Eligible dependents include:
Your legal spouse
•
• After completing your initial eligibility period; • During the annual open enrollment period; • Within 30 days of a qualified family-status change.
• Your married or unmarried natural children, step-children living with you, legally adopted children and any other children for whom you have legal guardianship, who are:
If you do not enroll at one of the above times, you must wait for the next annual open enrollment period.
► Under 26 years of age
1
BENEFIT INFORMATION
?
CHOOSING YOUR BENEFITS
You must actively choose any benefit that you pay for, or share in the cost with TradeGlobal. Your part of the cost is automatically taken out of your paycheck. There are two ways that the money can be taken out:
WHY DO I PAY FOR BENEFITS WITH BEFORE-TAX MONEY?
There is a definite advantage to paying for some benefits with before-tax money:
• BEFORE YOUR TAXES ARE CALCULATED – medical, dental, vision, health savings account (HSA contributions)
Taking the money out before your taxes are calculated lowers the amount of your pay that is taxable. Therefore, you pay less in taxes.
• AFTER YOUR TAXES ARE CALCULATED – voluntary life, disability and voluntary products
MAKING CHANGES
Generally, you can only change your benefit choices during the annual benefits enrollment period. However, you may be able to change your benefit choices during the plan year if you have a change in status including:
If you fail to notify Human Resources within 30 days of a family status change, you will be required to wait until the next annual enrollment period to make benefit changes unless you have another family status change.
Your marriage
•
Your divorce or legal separation
•
• Birth or adoption of an eligible child
• Death of your spouse or covered child
• Change in your spouse’s work status that affects his or her benefits
WHEN COVERAGE ENDS
Coverage will stop on the last day of the month in which employment with the company ends.
• Change in your work status that affects your benefits
• Change in residence or work site that affects your eligibility for coverage
• Change in your child’s eligibility for benefits
• Receiving Qualified Medical Child Support Order (QMCSO)
KEY BENEFIT TERMS
COBRA – A Federal law that allows workers and dependents who lose their medical, dental, or vision coverage to continue any of these coverages for a specified length of time by electing and paying for continuation benefits. Copayment – A flat fee that you pay for medical services, regardless of the actual amount charged by your doctor or another provider. This generally applies to physician office visits and prescription drugs. Deductible – The amount you pay toward medical and dental expenses each year before the plan begins paying benefits. Out of Pocket Maximum – The maximum amount you will pay in deductibles, copayments and coinsurance during the year. Coinsurance – The amount you pay toward medical and dental expenses each year after you have met your annual deductible. In-patient – services or care received in a hospital that require admittance or a stay of at least 24 hours. Out-patien t – services or care received at a medical facility that do not require overnight admittance, or a stay less than 24 hours. Embedded – a deductible type that means a single member of a family doesn’t have to meet the full family deductible for after- deductible benefits to apply. Instead, the individual’s after-deductible benefits will begin as soon as he or she meets the individual deductible, even if the plan is for family coverage.
2
MEDICAL INSURANCE
TradeGlobal offers three medical plans through UMR. To find participating providers go to www.umr.com and click on “Find a Provider”, then choose “UnitedHealthcare Choice Plus Network” from the network listing. Then follow the prompts to find a provider in your area.
The chart below provides a brief overview of the medical plans. This chart is intended only to highlight the benefits available and should not be relied upon to fully determine your coverage. If the below illustration of benefits conflicts in any way with the Summary Plan Description (SPD), the SPD shall prevail. It is recommended that you review your exact description of services and supplies that are covered, those which are excluded or limited, and other terms and conditions of coverage.
BRONZE HSA Plan
SILVER
GOLD
IN-NETWORK:
Calendar Year Basis
Calendar Year
Calendar Year
Calendar Year
Deductible (Individual / Family)
$4,000 / $8,000
$5,000 / $10,000
$2,500 / $5,000
Embedded/Non-embedded
Embedded
Embedded
Embedded
Coinsurance
80% / 20%
60% / 40%
80% / 20%
Maximum Out-of-Pocket (Individual / Family)
$6,000 / $12,000
$6,500 / $13,000
$6,500 / $13,000
Deductible, Coinsurance, & Copays
Deductible, Coinsurance, & Copays
Deductible, Coinsurance, & Copays
Out-of-Pocket Max Includes
Lifetime Maximum
Unlimited
Unlimited
Unlimited
Routine Preventive Services
Wellness
Covered 100%
Covered 100%
Covered 100%
Immunizations
Mammography/Colonoscopy
CO-PAYS
Referral required
No
No
No
Office Visits Consultations for Illness / Injury
Deductible & Coinsurance
$40 copay
$40 copay
Specialist Visits
Deductible & Coinsurance
$65 copay
$55 copay
Inpatient Hospital
Deductible & Coinsurance
Deductible & Coinsurance
Deductible & Coinsurance
Outpatient Surgery
Deductible & Coinsurance
Deductible & Coinsurance
Deductible & Coinsurance
Emergency Room
Deductible & Coinsurance
$350 copay
$250 copay
Urgent Care
Deductible & Coinsurance
$100 copay
$100 copay
OUTPATIENT DIAGNOSTIC SERVICES
Lab Services (Freestanding Lab)
Deductible & Coinsurance
Covered 100%
Covered 100%
X-Ray Services (Freestanding Lab)
Deductible & Coinsurance
Covered 100%
Covered 100%
Complex Diagnostic
Deductible & Coinsurance
$300 copay
$300 copay
PRESCRIPTIONS
Retail (30 day supply)
Deductible & Coinsurance
$15 / $45 / $90 / 25%
$10 / $40 / $70 / 25%
Mail Order (90 day supply)
Deductible & Coinsurance
2.5 x retail
2.5 x retail
OUT-OF-NETWORK
Deductible (Individual / Family)
$12,000 / $24,000
$7,500 / $15,000
Coinsurance
50% / 50%
50% / 50%
Not Available In-Network Benefits Only
Maximum Out-of-Pocket (Individual / Family)
$18,000 / $36,000
$18,000 / $36,000
Lifetime Maximum
Unlimited
Unlimited
3
MEDICAL CONTRIBUTION SCHEDULE
BRONZE HSA Plan
Employee Cost Per Pay Period
Employee Only
$ 57.50 $187.50 $137.50 $287.50
Employee + Spouse
Employee + Child(ren)
Family
Employee Cost Per Pay Period
SILVER
Employee Only
$100.00 $275.00 $225.00 $387.50
Employee + Spouse
Employee + Child(ren)
Family
Employee Cost Per Pay Period
GOLD
Employee Only
$137.50 $325.00 $275.00 $437.50
Employee + Spouse
Employee + Child(ren)
Family
4
Telemedicine Program
Your healthcare just got a whole lot easier!
With HealthiestYou you can connect with a doctor who can diagnose, treat, and prescribe over the phone 24/7/365. Using HealthiestYou can SAVE YOU TONS OF MONEY and no more time wasted in waiting rooms or trying to schedule an appointment. Our doctors are licensed and can handle an array of common ailments including allergies, earache, sore throat, pink eye, strep throat, urinary tract infection, and many more! HealthiestYou is great for families because your spouse and dependants can use it too and there is no limit on the number of times called or the duration of each call. TradeGlobal pays 100% of the cost for this program for employees who are enrolled in one of the company medical plans. All other employees may enroll in the program for a monthly cost of $7.
Login to member.healthiestyou.com Call 1-866-703-1259 Or download the app to your smartphone!
MedLink Supplemental
MedLink is a supplemental plan which can be used with both the TradeGlobal medical plans. It helps cover a portion or all of the deductible on either plan.
BRONZE MedLink Plan
GOLD MedLink Plan
MedLink covers 100% of your $4,000 deductible for inpatient hospitalization on day 1 of your policy ($4,000 per covered person up to $12,000 max per policy period) and 50% of your $4,000 deductible or $2,000 per covered person (up to $6,000 max per policy period) for outpatient surgical or diagnostic services performed at a hospital or hospital affiliated outpatient center.
MedLink covers 100% of your $2,500 deductible for inpatient hospitalization on day 1 of your policy ($2,500 per covered person up to $7,500 max per policy period) and 50% of your $2,500 deductible or $1,250 per covered person (up to $3,750 max per policy period) for outpatient surgical or diagnostic services performed at a hospital or hospital affiliated outpatient center.
Costs Per Pay Period
BRONZE
GOLD
Employee Only
$ 32.24 $ 74.14 $ 61.26 $103.16
$24.61 $56.61 $46.76 $78.74
Employee + Spouse
Employee + Child(ren)
Family
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HEALTH SAVINGS ACCOUNT (HSA)
What is a Health Savings Account (HSA)?
It is an interest bearing account created to help you pay medical expenses. The funds in your HSA can be used to help pay your deductible, coinsurance and any qualified medical expenses not covered by your health plan (including dental and vision expenses). All of the money you contribute is tax-free when used to pay for qualified medical expenses. An HSA is your account. It goes with you if you change jobs or when you retire. Our banking arrangement is through Bank of America. Visit Bank of America at www.bankofamerica.com/benefitslogin to learn more about how you can save. If you have more questions, call the Customer Care Center at 866-791-0250
TradeGlobal will match $ .50 for every $1.00 that you contribute toward an HSA account (see maximum contributions below).
Employer Match Maximums
Coverage Tier
Maximum Match
Employee Only
$1,000
Employee + Spouse or Child(ren)
$1,500
Family
$2,000
IRS Annual Maximum HSA Contribution Limits (maximums include any employer contributions)
2017
2018
Employee Only
$3,400
$3,450
Family
$6,750
$6,900
Catch-up Amount for employees 55 years or older
Additional $1,000 annually
Health Savings Account – Eligible Expenses (partial list) • Acupuncture • Alcohol and drug dependency treatment • Ambulance • Artificial limbs • Breast reconstruction surgery (mastectomy-related) • Dental expenses (exams, cleanings, X-rays, root canals, bridges, etc.) • Diagnostic fees (X-rays, MRI’s, bloodwork, etc.) • Doctor fees (including Chiropractic services) • Drugs - prescription and over the counter (when ordered by physician) • Eyeglasses and exams, contact lenses & solutions, laser surgery • Fertility enhancements • Hearing aids and batteries • Hospital and Laboratory fees • Long-term care (medical expenses and premiums) • Nursing home • Physical and speech therapies • Psychiatric care • Smoking-cessation programs and products • Vasectomy • Weight-loss program (to treat a specific disease diagnosed by a physician)
6
DENTAL INSURANCE
TradeGlobal offers dental coverage through MetLife. The PPO Dental Plan allows you to use in-network or out-of-network benefits. If out-of-network dentists are used, you will be responsible for paying the difference between MetLife’s allowed amount and what the dentist may charge, also known as “balance billing”. The chart below provides a brief overview of the plan.
BRONZE Dental PPO Plan
GOLD Dental PPO Plan
In-Network
Out-of Network*
In-Network
Out-of Network*
Calendar Year Deductible Individual
$50
$100
$25
$25
$150
$300
$75
$75
Family
Annual Maximum
$1,250
$2,250
Diagnostic & Preventive Exams Cleanings Fluoride X-Rays Sealants Regular Restorative Services Amalgam Fillings Extractions - Single Tooth Endodontics (Root Canal) Periodontics (Gum Disease) Major Services Crowns
Covered in full
Covered in full
Covered in full
Covered in full
Covered 80% after deductible
Covered 50% after deductible
Covered 90% after deductible
Covered 80% after deductible
Covered 50% after deductible
Covered 25% after deductible
Covered 60% after deductible
Covered 50% after deductible
Bridges Dentures Orthodontia Services
50% $500 Lifetime Maximum
50% $2,000 Lifetime Maximum
Children only under the age of 19
• Subject to balance billing. Please refer to your plan document for specific details .
Employee Costs Per Pay Period Employee Only Employee + Spouse Employee + Child(ren)
BRONZE PPO
GOLD PPO
$ 7.08 $14.35 $18.87 $28.54
$11.62 $23.58 $30.78 $45.68
Family
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VISION INSURANCE
TradeGlobal offers vision coverage through MetLife. The MetLife vision network consists of optometrists, ophthalmologists, opticians and optical retailers. You have the option of visiting any provider, however by choosing a participating provider, you receive the highest level of benefits.
Vision
In-Network
Out-of-Network
Routine Eye Exams
$20 copayment
Reimbursed up to $45
Lenses Single
Copay applies
Reimbursed from $30 to $65 depending on type of lenses
Bifocal
Copay applies
Trifocal
Copay applies
Frames
$130 allowance + 20% discount
Reimbursed up to $70
Contact Lenses (elective)
$130 allowance
Reimbursed up to $105
Frequency Exam
Once every 12 months
Lenses or contact lenses
Once every 12 months
Frames
Once every 24 months
• Covered lenses include single vision, bifocal, trifocal and lenticular. • Lenses, Frames & Contacts are limited to either one pair of contacts or frames/lenses per year.
Employee Costs Per Pay Period Employee Only Employee + Spouse Employee + Child(ren)
Vision
$3.16 $5.33 $5.43 $8.58
Family
8
BASIC AND VOLUNTARY LIFE INSURANCE
TradeGlobal provides Basic Life insurance to all full-time employees working 30 or more hours per week. Eligible employees also have the option to purchase voluntary life insurance coverage through the group plan. The chart below provides an overview of the plan.
What is Life Insurance? Having adequate Life Insurance can help your family manage expenses and make a difficult transition less stressful but providing them with financial support after your death. AD&D (Accidental Death & Dismemberment, provides a benefit if you suffer a covered accidental death or injury.
BASIC LIFE AND AD&D
Employee Only
$25,000 Basic Life and AD&D coverage - **Paid 100% by TradeGlobal.**
Age Reductions
35% at age 65, 60% at age 70, 75% at age 75, 85% at age 80
VOLUNTARY LIFE
Increments of $10,000 up to a maximum of $300,000 or 5x annual salary, whichever is less.
Employee Only
Employees Under Age 65
No evidence of insurability up to max of $100,000 (newly eligible employees only).
Increments of $5,000 up to a maximum of $75,000 or 50% of Employee amount, whichever is less.
Spouse
Spouses Under Age 65
No evidence of insurability up to max of $30,000 (newly eligible dependents only).
Children
Option of $1,000, $2,000, $4,000, $5,000 or $10,000 – 6 months to 26 years
VOLUNTARY LIFE Monthly rates per $1,000 of benefit
Age
Employee/Spouse
Child
<29
$0.043
$0.240
30-34
$0.049
VOLUNTARY LIFE COST CALCULATION PER PAY PERIOD:
35-39
$0.073
_____________________ Benefit Amount / 1,000 x____________________ Monthly Rate (from chart) = ____________________ x12 /24 =____________________ Approximate Per Pay Period Cost
40-44
$0.134
45-49
$0.206
50-54
$0.313
55-59
$0.492
60-64
$0.834
65-69
$1.379
70+
$2.674
9
SHORT TERM DISABILITY INSURANCE
TradeGlobal provides Short Term Disability insurance to salaried/exempt employees working 30 or more hours per week, at no cost to the employee! The chart below provides an overview of the plan.
What is Short Term Disability (STD)? STD insurance provides you with a weekly cash benefit to help you pay your bills and keep your life as routine as possible if you are unable to work due to a covered disability (injuries, recovery from surgery, even maternity leave).
Short Term Disability
Benefit Percentage
60%
Maximum Weekly Benefit
$2,000
7 days - Accident 7 days - Sickness
Elimination Period
Duration of Benefit
13 weeks
For Salary/Exempt employees, Short Term Disability coverage is paid 100% by TradeGlobal.
10
LONG TERM DISABILITY INSURANCE
TradeGlobal provides Voluntary Long Term Disability insurance to all full-time employees working 30 or more hours per week. The chart below provides an overview of the plan.
What is Long Term Disability (LTD)? LTD insurance provides you with a monthly cash benefit to help you pay your bills if a covered disability prevents you from working for an extended period of time.
Long Term Disability
Benefit % of Monthly Covered Payroll
60%
Monthly Maximum
$6,000
Elimination Period
90 days
Benefit Duration
Normal Social Security Retirement Age
Monthly Rate per $100 of Covered Payroll
LONG TERM DISABILITY COST CALCULATION PER PAY PERIOD:
AGE
_____________________ Monthly pay** (annual pay divided by 12) /100 X ____________________ Monthly Rate (from chart) = ____________________ Approximate monthly premium x12 /24 = ____________________ Approximate Per Pay Period Cost
<29
$0.330
30-34
$0.330
35-39
$0.460
40-44
$0.680
45-49
$1.080
50-54
$1.520
55-59
$1.700
**Total monthly pay cannot exceed $10,000. Monthly benefit amount is 60% of monthly pay (up to $6,000)
60-64
$1.160
65+
$1.160
11
ACCIDENT INSURANCE
TradeGlobal provides Voluntary Accident insurance to all full-time employees working 30 or more hours per week. The chart below provides an overview of the plan.
What is Accident Insurance? Accident coverage provides cash benefits that help cover unexpected expenses resulting from covered accidents on or off the job.
Accident Benefit Summary
Accident Coverage Type
24 Hour Coverage (on/off job)
You have a choice of a Low Plan or a High Plan. Benefits are based on a flat schedule amount that varies depending on the plan.
Benefit Amount
Benefits are reduced by 25% of the original amount at age 65 Benefits are reduced by 50% of the original amount at age 70
Age Reduction
Coverage for Accidental Death or Dismemberment, Fractures, Burns, Emergency Care, Medical Testing, Surgeries, and so much more!
Example of Covered Benefits
Below is only a sample list of the benefits provided by the Accident plans. Please refer to the MetLife summary for the complete benefit schedule Specific Service/Injury Type Low Plan High Plan
Paralysis: Two Limbs (paraplegia or hemiplegia)
$5,000
$25,000
Open Fractures: Forearm, Hand, Wrist (except fingers)
$500
$1,000
Open Fractures: Leg (tibia and/or fibula)
$2,000
$4,000
Burns: 3rd Degree w/ less than 10% of surface skin burnt
$500
$1,000
Ambulance: Air Transportation
$750
$1,000
Ambulance: Ground Transportation
$200
$300
Medical Testing: (X-Ray, MR/MRI, ultrasound, NCV, CT/CAT, EEG)
$100
$200
Employee Costs Per Pay Period Employee Only Employee + Spouse Employee + Child(ren)
LOW PLAN
HIGH PLAN
$2.89 $5.70 $5.94 $7.44
$ 5.51 $10.91 $11.33 $14.18
Family
12
CRITICAL ILLNESS INSURANCE
TradeGlobal provides Voluntary Critical Illness insurance to all full-time employees working 30 or more hours per week. The chart below provides an overview of the plan.
What is Critical Illness Insurance? Critical Illness plans pay a lump sum upon diagnosis of a covered critical illness for you to use where it’s needed most. It can help pay coinsurances, deductibles, caregivers, loss of income or extra living expenses.
Critical Illness Benefit Summary
Benefit Amount
Employee may choose a lump sum of $15,000 or $30,000
Alzheimer’s Disease, Coronary Artery Bypass Graft, Heart Attack, Kidney Failure, Major Organ Transplant, Stroke
Example of Covered Conditions
Spouse Benefit
50% of employees lump sum benefit
Child Benefit
50% of employees lump sum benefit
CRITICAL ILLNESS Monthly rates per $1,000 of benefit
Attained Age
Employee Only
Employee + Spouse
Employee + Child(ren)
Family
<25
$0.32
$0.55
$0.60
$0.83
25–29
$0.34
$0.59
$0.62
$0.87
30–34
$0.48
$0.81
$0.75
$1.08
35–39
$0.68
$1.12
$0.95
$1.40
40–44
$1.06
$1.72
$1.33
$1.99
45–49
$1.62
$2.60
$1.90
$2.88
50–54
$2.35
$3.77
$2.63
$4.05
55–59
$3.30
$5.31
$3.57
$5.59
60–64
$4.81
$7.75
$5.08
$8.03
65–69
$7.27
$11.72
$7.54
$12.00
70+
$11.30
$18.02
$11.58
$18.30
CRITICAL ILLNESS COST CALCULATION PER PAY PERIOD:
_____________________ Benefit Amount (either $15,000 or $30,000) / 1,000 x____________________ Monthly Rate (from chart)
= ____________________ x12 / 24
=____________________ Approximate Per Pay Period Cost
13
LEGAL AID & ID THEFT PROTECTION
Legal Plan LegalShield is a voluntary benefit available to all eligible employees at TradeGlobal. The plan provides employees with legal consultation for personal legal matters, no matter how trivial or traumatic, all without having to worry about the high hourly legal costs. Employees have used the legal services offered by LegalShield for the following matters: • Legal advice – personal legal matters • Letters/calls made on your behalf • Contracts and documents reviewed (up to 15 pages) • Residential loan document assistance • Will, Living Will, and Health Care Power of Attorney preparation • Moving traffic violations (eligible fifteen days after coverage begin) • Uncontested divorce, separation, adoption and/or name change representation • IRS audit assistance • And much, much more! Identity Theft Plan ID Shield, a product provided by LegalShield, provides Identity Theft protection for more than millions subscribers in the U.S. alone. Identity Theft is not going away and with more and more reported security breaches, protecting your identity is more important than ever. The Identity Theft plan offered to TradeGlobal employees provides the following services: • Full Service Restoration – identity recovery services by Kroll Licensed Private Investigators and a $5 million service guarantee to restore identity to the pre-theft status • Privacy Monitoring – monitoring your name, social security number, date of birth, e-mail addresses, phone numbers, medical identification numbers and drivers’ license and passport numbers • Security Monitoring – monitoring of your social security number, credit cards and bank accounts, sex offender search, financial activity alerts and quarterly credit score tracking • Consultation – 24 / 7 / 365 live support for covered emergencies, unlimited counseling, identity alerts, data breech information and lost wallet protection
Cost Per Pay Period
LegalShield
IDShield
Combined
Individual
$7.48 $7.98
$4.22 $7.98
$11.70 $14.46
Family
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401K RETIREMENT BENEFIT
TradeGlobal offers one of the most valuable benefits available today – a defined contribution retirements savings plan. Why is this so important? Because today’s retirees are living longer than ever before – well into their 70s, 80s, 90s and even 100s – and are pursuing diverse and active lifestyles. Retirement is no longer viewed as a time of rest after years of hard work, but the beginning of a brand new stage of life, complete with new adventures. Eligibility To be eligible for the TG Retirement plan, you must meet the following eligibility requirements, which may differ from the requirements of other benefits: • Participants must be 21 years old or older • Participants must have completed three continuous months of service Enrollment Periods Upon meeting eligibility requirements, new participants may enter the plan on the first day of the quarter; January 1, April 1, July 1 or October 1 or any time after that date. Traditional Contributions - Through payroll deduction, employees can make pre-tax contributions from eligible compensation. Because contributions are made pre-tax, traditional plan distributions are taxable. The annual contribution limit for 2016/2017 is $18,000. This amount may be adjusted from time to time by the IRS to account for cost of living adjustments. • Roth Contributions - The plan allows you to make after-tax contributions to your retirement plan. Because contributions are made after-tax, roth distributions are not taxed if you meet certain criteria. To qualify for tax-free withdrawals, your money must remain in the account for five years and you must have reached age 59 ½. The IRS dollar limit also applies cumulatively to your employee pre-tax contributions and your Roth contributions. • Catch-Up Contributions - If you are age 50 or older and make the maximum allowable deferrals to the plan, you are entitled to contribute an additional “catch-up contribution”. The catch-up contribution is intended to help eligible employees make up for smaller contributions made earlier in their career. The maximum catch- up contribution limit for 2016/2017 is $6,000. • Employer Contributions - Safe Harbor: TradeGlobal makes safe harbor matching contributions to help you save for retirement by contributing 100% of your pre-tax and roth contributions up to 3% of your compensation, plus 50% of your pre-tax and roth contributions up to an additional 2% of compensation. • Contribution Changes - You may increase or decrease the amount of your deferral as often as daily. You may also stop or restart your contributions as often as desired. Vesting Vesting refers to the “ownership” of a benefit from the plan. Any deferrals that you contribute and the money your deferrals earn are always 100% vested in addition to any rollover and transfer contributions. In the event that TradeGlobal makes discretionary contribution(s) to the plan, those amounts would be subject to a vesting schedule: Contributions •
2 years of service 20% vested 3 years of service 40% vested 4 years of service 60% vested 5 years of service 80% vested 6 years of service 100% vested
Withdrawals Funds from your retirement account may be withdrawn for any of the following: • Qualified retirement • In-Service withdrawals • Financial Hardship • Termination of service/employment • Death • Disability
For additional information contact the TradeGlobal Human Resources
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EMPLOYEE ASSISTANCE PROGRAM & ADDITIONAL BENEFITS
Employee Assistance Program (EAP)
We all need help every now and then Problems are just a part of everyday life. In addition to the benefits provided under your MetLife Group Insurance coverage, you and your household members now have access to E4 Health’s Employee Assistance Program (EAP) to help with the everyday challenges of life that may affect your health, family life and desire to excel at work. (EAP services provided through an agreement with E4 Health, Inc. E4 Health is not a subsidiary or affiliate of MetLife and the services provided are separate and apart from the insurance and services provided by MetLife.) Consultation and support You and the members of your household are entitled to up to 3 consultations with a licensed clinician per incident, per individual, per calendar year. You have telephonic consultations for maximum convenience and anonymity. Please call 1-844-763-8543 anytime to speak with a clinician or schedule an appointment.
Your EAP can help you resolve a broad range of issues including: • Marriage, Relationship and Family Problems
• Problems at Work • Changes in Mood • Legal and Financial Issues • Stress and Anxiety • Alcohol and Drug Dependency • Identity Theft • Health and Wellness Concerns
We’re Here to Lend a Helping Hand: 1-844-763-8543
( TDD Callers Can Call: 1-877-267-9903)
Or online at www.metlifeeap.com Username: MetLife1-3 Password: guest
Additional Company Benefits
Employment at TradeGlobal comes with many employee “Perks.” We are always negotiating discounted rates on services you use and items you buy every day.
Discounts on Client Merchandise Many of TG Clients have offered generous discounts to employees of TradeGlobal as a reward for their hard work, dedication and commitment to excellence represented by their brands. Visit the PayCor employee portal home page anytime for an up to date listing of discounts available. NOTE: All discounts offered by Clients of TradeGlobal are intended for employees only and should not be shared with anyone other than immediate family members (this includes social media). Violators may have privileges revoked and in some cases, could face termination. Other Benefits • TG Perks: Discounts from over 240,000 retailers • Kings Island: Discounts on daily admission passes • Cedar Point: Discounts on daily admission passes • Tire Discounters: Friends and Family members receive discounts on products and services nationwide • Newport Aquarium: Discounted admission • Cincinnati Zoo: Discounted admission
For a complete listing of other benefits available, visit the PayCor employee portal home page.
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1-888-574-7704
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1-888-574-7704
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REQUIRED ANNUAL EMPLOYEE DISCLOSURE NOTICES
Required Annual Employee Disclosure Notices
THE NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT OF 1996 The Newborns’ and Mothers’ Health Protection Act of 1996 prohibits group and individual health insurance policies from restricting benefits for any hospital length of stay for the mother or newborn child in connection with childbirth; (1) following a normal vaginal delivery, to less than 48 hours, and (2) following a cesarean section, to less then 96 hours. Health insurance policies may not require that a provider obtain authorization from the health insurance plan or the issuer for prescribing any such length of stay. Regardless of these standards an attending health care provider may, in consultation with the mother, discharge the mother or newborn child prior to the expiration of such minimum length of stay. Further, a health insurer or health maintenance organization may not: 1. Deny to the mother or newborn child eligibility, or continued eligibility, to enroll or to renew coverage under the terms of the plan, solely to avoid providing such length of stay coverage; 2. Provide monetary payments or rebates to mothers to encourage such mothers to accept less than the minimum coverage; 3. Provide monetary incentives to an attending medical provider to induce such provider to provide care inconsistent with such length of stay coverage; 5. Restrict benefits for any portion of a period within a hospital length of stay described in this notice. These benefits are subject to the plan’s regular deductible and co-pay. For further details, refer to your Summary Plan Description. Keep this notice for your records and call Human Resources for more information. Effective January 1, 2009 group health plans are required by Federal government to comply with Section 111 of the Medicare, Medicaid, and SCHIP Extensions of 2007’s new Medicare Secondary Payer regulations. The mandate is designed to assist in establishing financial liability of claims assignments. In other words, it will help establish who pays first. The mandate requires group health plans to collect additional information, more specifically Social Security numbers for all enrollees, including dependents 6 months of age or older. Please be prepared to provide this information on your benefits enrollment form when enrolling into benefits. 4. Require a mother to give birth in a hospital; or SECTION 111
WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998
The Women’s Health and Cancer Rights Act of 1998 requires TradeGlobal to notify you, as a participant or beneficiary of the TradeGlobal Health and Welfare Plan, of your rights related to benefits provided through the plan in connection with a mastectomy. You, as a participant or beneficiary, have rights to coverage to be provided in a manner determined in consultation with your attending physician for: 1. All stages of reconstruction of the breast on which the mastectomy was performed; 2. Surgery and reconstruction of the other breast to produce a symmetrical appearance; and 3. Prostheses and treatment of physical compilations of the mastectomy, including lymphedema. These benefits are subject to the plan’s regular deductible and co-pay. For further details, refer to your Summary Plan Description. Keep this notice for your records and call Human Resources for more information. The law allows for continued coverage for dependent children who are covered under your group health plan as a student if they lose their student status because of a medically necessary leave of absence from school. This law applies to medically necessary leaves of absence that begin on or after January 1, 2010 If your child is no longer a student, as defined in your Certificate of Coverage, because he or she is on a medically necessary leave of absence, your child may continue to be covered under the plan for up to one year from the beginning of the leave of absence. This continued coverage applies if your child was (1) covered under the plan and (2) enrolled as at student at a post-secondary educational institution (includes colleges, universities, some trade schools and certain other post-secondary institutions). Your employer will require a written certification from the child’s physician that states that the child is suffering from a serious illness or injury and that the leave of absence is medically necessary. MICHELLE’S LAW
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REQUIRED ANNUAL EMPLOYEE DISCLOSURE NOTICES
Required Annual Employee Disclosure Notices continued continued
HIPAA PRIVACY POLICY FOR FULLY- INSURED PLANS WITH NO ACCESS TO PHI
PATIENT PROTECTION:
If the Group Health Plan generally requires the designation of a primary care provider who participates in the network and who is available to accept you or your family members. For children, you may designate a pediatrician as the primary care provider. You do not need prior authorization from the carrier or from any other person (including a primary care provider) in order to obtain access to obstetrical or gynecological care from a health care professional in the network who specializes in obstetrics or gynecology. The health care professionals, however, may be required to comply with certain procedures, including obtaining prior authorization for certain services, following a pre-approved treatment plan or procedures for making referrals. For a list of participating health care professionals who specialize in obstetrics or gynecology, or for information on how to select a primary care provider, and for a list of the participating primary care providers, contact the Plan Administrator or refer to the carrier website. It is your responsibility to ensure that the information provided on your application is accurate and complete. Any omissions or incorrect statements made by you on your application may invalidate your coverage. The carrier has the right to rescind coverage on the basis of fraud or misrepresentation. Effective April 1, 2009, a special enrollment period provision is added to comply with the requirements of the Children’s Health Insurance Program Reauthorization Act (CHIPRA) of 2009. If you or a dependent is covered under a Medicaid or CHIP plan and coverage is terminated as a result of the loss of eligibility for Medicaid or CHIP coverage, you may be able to enroll yourself and/or your dependent(s). However, you must enroll within 60 days after the date eligibility is lost. If you or a dependent becomes eligible for premium assistance under an applicable State Medicaid or CHIP plan to purchase coverage under the group health plan, you may be able to enroll yourself and/or your dependent(s). However, you must enroll within 60 days after you or your dependent is determined to be eligible for State premium assistance. Please note that premium assistance is not available in all states. CHILDREN’S HEALTH INSURANCE PROGRAM REAUTHORIZATION ACT (CHIPRA) OF 2009
I. No access to protected health information (PHI) except for summary health information for limited purpose and enrollment / dis-enrollment information. Neither the group health plan nor the plan sponsor (or any member of the plan sponsor’s workforce) shall create or receive protected health information (PHI) as defined in 45 C.F.R. §160.103 except for (1) summary health information for purpose of (a) obtaining premium bids or (b) modifying, amending, or terminating the group health plan, and (2) enrollment and dis-enrollment information. The group health plan is a fully-insured group health plan sponsored by the “Plan Sponsor”. The group health plan and the plan sponsor intend to comply with the requirements of 45 C.F.R. §164.530 (k) so that the group health plan is not subject to most of HIPAA’s privacy requirements.
II. Insurer for group health plan will provide privacy notice
The insurer for the group health plan will provide the group health plan’s notice of privacy practices and will satisfy the other requirements under HIPAA related to the group health plan’s PHI. The notice of privacy practices will notify participants of the potential disclosure of summary health information and enrollment / dis-enrollment information to the group health plan and the plan sponsor.
III. No intimidating or retaliatory acts
The group health plan shall not intimidate, threaten, coerce, discriminate against, or take other retaliatory action against individuals for exercising their rights , filing a complaint, participating in an investigation, or opposing any improper practice under HIPAAA.
IV. No Waiver
The group health plan shall not require an individual to waive his or her privacy rights under HIPAA as a condition of treatment, payment, enrollment or eligibility. If such an action should occur by one of the plan sponsor’s employees, the action shall not be attributed to the group health plan.
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Required Annual Employee Disclosure Notices - Continued REQUIRED ANNUAL EMPLOYEE DISCLOSURE NOTICES
continued
MEDICARE PART D
When will you pay a higher premium (penalty) to join a Medicare drug Plan? You should also know that if you drop or lose your current coverage with TradeGlobal and don’t join a Medicare drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a Medicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may go up at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that coverage. For example, if you go nineteen months without creditable coverage, your premium may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you may have to wait until the following October to join. For more information about this notice or your current prescription drug coverage… Contact our office for further information (see contact information below). NOTE: You’ll get this notice each year. You will also get it before the next period you can join a Medicare drug plan, and if this coverage through TradeGlobal changes. You also may request a copy of this notice at any time. For more information about your options under Medicare prescription drug coverage… More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans. For more information about Medicare prescription drug coverage: • Call your State Health Insurance Assistance Program (see your copy of the Medicare & You handbook for their telephone number) for personalized help, • Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048. If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available. For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at 1-800-772-1213 (TTY 1-800-325-0778). Remember: Keep this notice. If you enroll in one of the new plans approved by Medicare which offer prescription drug coverage, you may be required to provide a copy of this notice when you join to show that you are not required to pay a higher premium amount. • Visit www.medicare.gov
This notice applies to employees and covered dependents who are eligible for Medicare Part D. Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription drug coverage with TradeGlobal and about your options under Medicare’s prescription 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. 1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare through Medicare prescription drug plans and Medicare Advantage Plan (like an HMO or PPO) that offer prescription drug coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium. 2. TradeGlobal has determined that the prescription drug coverage offered by the Welfare Plan for Employees of TradeGlobal under the TradeGlobal option are, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan. You should also know that if you drop or lose your coverage with TradeGlobal and don’t enroll in Medicare prescription drug coverage after your current coverage ends, you may pay more (a penalty) to enroll in Medicare prescription drug coverage later. _______________________________________________________ You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15 th to December 7 th . However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan. What happens to your current coverage if you decide to join a Medicare Drug Plan? If you decide to join a Medicare drug plan, your current TradeGlobal coverage will not be affected. You can keep this coverage if you elect part D and this plan will coordinate with Part D coverage. If you decide to join a Medicare drug plan and drop your current TradeGlobal coverage, be aware that you and your dependents will be able to get this coverage back. When can you join a Medicare Drug Plan?
Date: 9/1/17 Name of Entity/Sender: TradeGlobal Contact--Position/Office: Human Resources
5389 E. Provident Drive Cincinnati, OH 45246
Phone Number:
513-830-0107
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