Employee Benefits 2023 SiteImpact
Here’s where to find... Welcome 3 Who is eligible? 4 Making changes 4 How to enroll 4 Enrollment deadlines 4 Payroll contributions 5 Medical 6 Health savings account (HSA) 7 Flexible spending account (FSA) 8 Clarity 9 Wellness 10 Dental 11 Vision 12 Life insurance 13 Disability insurance 15 Additional benefits 16 Glossary of terms 17 Contacts 18
WELCOME TO ANNUAL ENROLLMENT! SiteImpact appreciates your commitment to our success. We’re equally committed to providing you with competitive, affordable health and wellness benefits to help you take care of yourself and your family. Please read this guide carefully. It has a summary of your plan options and helpful tips for getting the most value from your benefits plans. We understand that you may have questions about annual enrollment, and we’ll do our best to help you understand your options and guide you through the process. This guide is not your only resource, of course. Any time you have questions about benefits or the enrollment process, you can contact your Human Resources representative. Although this guide contains an overview of benefits, for complete information about the plans available to you, please see the summary plan description (SPD) at www.paycomonline.com.
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SiteImpact • 2023-2024 Benefits Guide
NOTE FROM SAM SHARON
WELCOME TO YOUR HEALTH AND WELLNESS BENEFITS PACKAGE!
Thank you for choosing and trusting Site Impact to be your employer of choice. Here at Site Impact, we strive to be exceptional in everything we do and take pride in being impactful in our mission. This endeavor continues in our efforts to support our team members in making impactful decisions when it comes to their health and well-being. As a result, within this booklet, you will find information about the benefit offerings you are eligible to choose from in your decision-making journey. We have developed an aggressively competitive package through an extensive negotiation process that will support you and your family to take advantage of all these great benefits. We believe that helping you through your employment voyage starts with ensuring you have the tools necessary to drive your physical, emotional, and financial well-being successfully. We encourage you all to take the path of reviewing each benefit, making your meaningful election, and providing us with any feedback and ideas for improvement.
On behalf of Site Impact, we thank you and appreciate all you do for us, and we wish you a happy and healthy year!
Sincerely,
Sam Sharon
Sr. Director of People & Culture
Sam Sharon
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WHO IS ELIGIBLE? Benefits are available to all full-time Members working a minimum of 30 hours per week and their dependents. For those enrolling during Open Enrollment, your benefits will become effective on 4/1/2023. For new hires, your benefits will become effective on first of the month after date of hire.
z Choose to enroll in or decline a plan by checking the appropriate option. If necessary, choose which dependents to add. When finished, tap “ Enroll ”. Continue for each benefit plan. z When finished, review your enrollment, and tap “ Finalize ”. Then, tap “ Sign and Submit ” in the pop-up window.
Eligible dependents include:
If you need assistance with username andpassword reset, please email HRsupport@siteimpact.com .
Your legal spouse or domestic partner
MAKING CHANGES You may only make changes to your elections during open enrollment each year or during the year if you experience a qualifying event. Qualifying events include, but are not limited to: z Birth, legal adoption, or placement for adoption. z Marital status. z Dependent child reaches age 26. z Spouse gains or loses employment or eligibility with current employer. z Death of a covered dependent. z Spouse or dependent becomes eligible or ineligible for Medicare/Medicaid or SCHIP. z Change in residence that changes eligibility for coverage. z Court-ordered change. Changes to your coverage due to a qualifying life event must be made within 30 days of that life event. Proof of the qualifying life event is required (marriage certificate, divorce decree, birth certificate, or loss of coverage letter).
Your children from birth to age 26
(Including your natural/legally adopted/stepchildren, and/ or your unmarried dependent children of any age who are mentally or physically disabled and who are dependent on you for support)
HOW TO ENROLL
To sign up for benefits, visit www.paycom.com Employee Self Service portal and mobile app before the end of your enrollment period. Please follow these steps to enroll: z From Notifications Center, tap the current year’s benefits enrollment. Review the instructions and tap “ Start Enrollment ” z Review your information. Tap “ Edit ” to change anything or “ Next ” to continue. z Complete the Pre-Enrollment Questions and tap “ Save and Next ”. (You can also edit existing dependent and beneficiary information on this screen, as well as add a dependent or beneficiary)
Note: Any change you make to your coverage must be consistent with the change in status.
ENROLLMENT DEADLINES
Type of Member/Dependent
Enrollment opportunity
Coverage effective date
Current member
Annually during the enrollment period
Start of plan year
New hire
Must enroll within 30 days of hire
4/1/2023
Changes must be made within 30 days of life event
Qualified life event
Date of life event
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SiteImpact • 2023-2024 Benefits Guide
BI-WEEKLY PAYROLL CONTRIBUTIONS
Medical/Rx
HSA 3500
HMO 5000
HMO 1500
PPO 1500
Employee
$3.49
$31.33
$67.98
$88.96
Employee + Spouse (Domestic Partner)
$258.15
$324.91
$394.82
$430.57
Employee + child(ren)
$147.31
$198.02
$277.02
$294.56
Employee + Family
$387.70
$446.46
$543.54
$592.75
Dental
DHMO
PPO
Employee
$2.15
$12.39
Employee + Spouse (Domestic Partner)
$6.98
$31.79
Employee + child(ren)
$9.67
$42.80
Employee + Family
$13.44
$57.81
Vision
Vision
Employee
$1.41
Employee + Spouse (Domestic Partner)
$4.93
Employee + child(ren)
$6.91
Employee + Family
$9.64
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MEDICAL UNITEDHEALTHCARE
Your medical benefits are provided by UHC and provides coverage for both in-network and out-of- network providers. You will always have stronger benefits when visiting in-network providers. Please visit the www.uhc.com website or call them at 800-357-0978.
Medical
HSA 3500
HMO 5000
HMO 1500
PPO 1500
In-network
In-network
In-network
In-network
Out-of-network
Annual deductible (Individual/Family)
$3,500/$7,000 $5,000/$10,000 $1,500/$4,000 $1,500/$,4,500 $4,000/$8,000
Out-of-pocket maximum (Individual/Family)*
$6,500/$13,100 $6,350/$12,700 $6,350/$12,700 $4,000/$8,000 $8,000/$16,000
Member Coinsurance
20%
30%
20%
20%
40%
Physician Office Visit/Exam
20% after ded
$30 copay
$30 copay
$30 copay
40% after ded
Outpatient Specialist Visit
20% after ded
$55 copay
$60 copay
$60 copay
40% after ded
Telehealth
Covered 100% $30 copay
$30 copay
$30 copay
40% after ded
Preventive services
Covered 100% Covered 100% Covered 100% Covered 100% Covered 100%
Inpatient hospital services
20% after ded 30% after ded 20% after ded 20% after ded 40% after ded
Outpatient hospital services (lab, x-ray, diagnostic)
20% after ded 30% after ded Covered 100% Covered 100% 40% after ded
Advanced diagnostics
20% after ded 30% after ded
$250 copay
$250 copay
40% after ded
Urgent care
20% after ded
$60 copay
$50 copay
$50 copay
40% after ded
Emergency room care
20% after ded
$350 copay
$400 copay
$400 copay
$400 copay
Prescription drugs Retail (30-day supply) T1/T2/T3/T4*
20% after ded
$10
30% after ded
$10 / $35 / $70 Not Covered
Mail order (90-day supply)
$25 / $87.50 / $175
T1/T2/T3/T4*
20% after ded
$25
30% after ded
Not Covered
* Tier 1 / Tier 2 / Tier 3 / Tier 4 This is a summary of coverage; please refer to your summary plan description for the full scope of coverage. In-network services are based on negotiated charges; Out-of-network services are based on a percentage of Medicare charges.
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SiteImpact • 2023-2024 Benefits Guide
HEALTH SAVINGS ACCOUNT (HSA) CLARITY AVAILABLE TO PARTICIPANTS IN THE HSA 3500 PLAN. A health savings account (HSA) is a tax- advantaged savings account that can be used for your qualified healthcare expenses. You own your HSA and can contribute to the account with pre- tax payroll deductions based on your needs. Did you know an HSA provides triple tax benefits? The money you contribute is pre-tax, and the interest that accumulates in the account is tax- free. In addition, money withdrawn from an HSA isn’t taxed, provided you use it for qualified healthcare expenses. Like a savings account, you will only be able to withdraw funds that are in the account.
You are eligible if:
z You are enrolled in the HSA 3500 plan z You are not covered by a spouse’s plan z No one else can claim you as a dependent z You are not enrolled in Medicare, TRICARE or TRICARE for Life z You have not received VA benefits in the past 3 months How Do I Access / Make Contributions to My HSA? You can manage your HSA at claritybenefitsolutions.com You’ll set up your payroll contributions during your enrollment period and can make changes at any time throughout the year (although it may take between 1–2 payroll periods for any changes to be processed).
Other HSA Advantages
z You can use the account to pay for qualified healthcare expenses. z Unspent dollars roll over each year and are yours to keep if you retire or leave the company. z You can invest your HSA funds, so your available healthcare dollars can grow over time.
How Much Can Be Deposited into an HSA in 2023?
Up to $3,850 for individual
z
<55*
z Up to $7,750 for family *Not enrolled in Medicare
HSA through Clarity For more information, you can access the claritybenefitsolutions.com website. You can also contact them at 888-423-6359
The maximum contribution increases by $1,000 *Not enrolled in Medicare
55+*
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FLEXIBLE SPENDING ACCOUNT (FSA) CLARITY
What is a Flexible Spending Account? A Flexible Spending Account (FSA) is an account that can reimburse you for qualified healthcare or dependent care expenses. You can fund qualified expenses such as copays, coinsurance, deductible expenses for medical, dental and vision with pre-tax dollars deducted from your paychecks.
When electing an FSA, you will set an annual contribution amount. You cannot change your election after Open Enrollment unless you experience a Qualifying Event.
If you were enrolled in a Health Care FSA in 2022-2023 and you wish to enroll in a Health Savings Account in 2023-2024, please keep in mind the Flexible Spending Account plan has a 2.5-month grace period to incur claims. Why is this important? You will NOT be able to contribute to the Health Savings Account in 2023-2024 until your funds have been depleted in your Health Care FSA or until the end of the grace period March 15, 2024.
Dependent Care FSA
Healthcare FSA
A healthcare FSA reimburses Members for eligible medical expenses, up to the amount contributed for the plan year. Eligible healthcare expenses include many of the out-of-pocket expenses you pay to maintain your health and well-being. Visit irs.gov for a full list of eligible expenses. You may contribute up to $3,050 annually (funds will be available as of the election effective date).
You may use pre-tax dollars from your Dependent Care FSA to pay expenses for the care of a dependent child, spouse or elderly parent inside your home (from a qualified provider), and expenses outside your home, such as baby-sitters, nursery schools, or day care centers. You may contribute up to $5,000 annually (or $2,500 if you are married and file a separate tax return). You can only be reimbursed up to the amount that you have contributed.
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SiteImpact • 2023-2024 Benefits Guide
CLARITY ACCESS Clarity makes it simple to manage your accounts with our easy-to-use online portal and mobile app. In your portal, you can view your balance and transition history, submit a claim, and even sign up for BenefitConnect to minimize the need to send in receipts.
CLARITY Mobile App
1. Search for “ Clarity Benefits ” in the Google Play or Apple store and download 2. Launch the Clarity App and click Sign Up 3. Follow the prompts to create your unique user ID 4. To submit a claim, select “ Submit a claim ”, provide your claims information and upload documentation
CLARITY Website Portal
1. Go to www.claritybenefitsolutions.com 2. Click on Login 3. Select Participant and click Next 4. Complete the required fields 5. Sign up for BenefitConnect (Under Additional Resources on Portal Home Page) to get reimbursed automatically
For more information, please visit www.claritybenefitsolutions.com or call them at 888-423-6359
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WELLNESS UNITEDHEALTHCARE
The Start Healthier program helps you get proven strategies to reward healthier lifestyles, make healthier choices, support healthier families and more.
z Healthier Rewards • Digital wellness and rewards – Rally connect you with personalized health recommendations, content, and resources. You can earn rewards for meeting your goals. z Healthier Choices (Weight Loss that can really work) • Real Appeal is a weight loss program offered at no additional cost, as part of your health plan benefits designed to help you improve your health and reduce your risk of developing chronic conditions (cardiovascular disease and diabetes). To achieve your goals, you get 1-on-1 and live group online coaching, a Success Kit with steps toward transformation and more. Learn more and start TODAY! visit the success.realappeal.com website • Proven Strategies to quit tobacco – Quit for Life is a tobacco cessation program that has helped over 3.5 million tobacco users quit. You can develop a personal action plan and work with a Quit Coach to help kick the habit one and for all. z Healthier Families • Quality support before, during and after pregnancy – The Maternity Support Program provides support for you as your family grows. You get access to a mobile app with health content and resources. You can also work with a nurse for help on ways for both mother and baby to stay healthier. Text2Quit and messages – Get help when you may need it, including daily tips, encouragement and reminders. ENROLL TODAY! myuhc.com >Health Resources>Quit For Life z Healthier Support • Easier access to health resources – Start Healthier can connect you to help when they need it, through the Employee Assistance Program. You have access to support for wellness, emotional health and well-being, financial, legal and many other needs.
To learn more contact a UnitedHealthcare representative or visit the website myuhc.com
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SiteImpact • 2023-2024 Benefits Guide
DENTAL UNITEDHEALTHCARE
Although you can choose any dental provider, when you use an in-network dentist, you will generally pay less. If you choose an out-of-network provider, you may be billed the difference between what UHC pays, and what your out-of-network provider charges for the services. To locate an in-network provider, please visit www.myuhcdental.com or call them at 877-816-3596.
Dental
DPPO
DHMO
In-network
Out-of-network
In-network
Annual deductible (Individual/Family)
$50/$100
$50/$100
N/A
Annual maximum (per person)
Unlimited
Unlimited
N/A
Diagnostic and preventive care
2 basic cleanings within 12 months
Oral Exam
100%
100%
Schedule of Benefits
Bitewing X-Rays
100%
100%
Schedule of Benefits
Full Month X-Rays
100%
100%
Schedule of Benefits
Teeth Cleaning 2X Per Year
100%
100%
Schedule of Benefits
Fluoride Treatment
100%
100%
Schedule of Benefits
Sealants
100%
100%
Schedule of Benefits
Basic services Fillings
100%
80%
Schedule of Benefits
Periodontics (Gum disease)
100%
80%
Schedule of Benefits
Endodontics (Root Canal)
100%
80%
Schedule of Benefits
Simple & Surgical Extractions
100%
80%
Schedule of Benefits
Major services Inlays, Onlays, Crowns
60%
50%
Schedule of Benefits
Dental Implants
60%
50%
Schedule of Benefits
Prosthodontics (Bridges & Dentures)
60%
50%
Schedule of Benefits
Denture Reline and Rebase Services
60%
50%
Schedule of Benefits
Orthodontia Orthodontic Age Limit
Adult and Children
Adult and Children
Orthodontics (Adult Coverage)
50%
$2,050
Lifetime Maximum
$1,000 (Lifetime Max)
N/A
Plan includes out-of-network benefits, see plan summary for additional details.
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VISION UNITEDHEALTHCARE
Our vision care benefits include coverage for eye exams, lenses and frames, contact lenses, and discounts for laser surgery. The vision plan is built around the UHC providers, who have higher benefits at a lower cost to you. When you need services, consider using an in-network provider as you will pay less. When you use an out-of-network provider, you will be reimbursed for services according to the grid below. To locate an in-network provider, visit www.uhcvision.com or call them at 800-839-3242.
Vision
United HealthCare
UHC Vision Network
In-network
Out-of-network
Exam copay (Once every 12 months)
$10 copay
Up to $40
Materials copay
$10 copay
N/A
Lenses (every 12 months) Single
Up to $40
Bifocal
Up to $60
Covered in full after $10 copay
Trifocal
Up to $80
Lenticular
Up to $80
Frames (Once every 12 months) Frames
$150 allowance
Up to $45
Contact lenses (Once every 12 months) Elective
$150 allowance
Up to $125
100% Covered after copay
Medically necessary
Up to $210
Members can elect dental and/or vision regardless of whether they are enrolled in medical.
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SiteImpact • 2023-2024 Benefits Guide
LIFE INSURANCE MUTUAL OF OMAHA
Basic Life & Accidental Death & Dismemberment Life and AD&D insurance offers financial protection by providing you coverage in case of an untimely death or accident that takes away your income-earning ability. Life benefits are payable to your beneficiaries in the event you pass away. Site Impact will continue to offer Employer-Paid Basic Life/ AD&D. Please visit www.mutualofomaha.com or call them at 800-877-5176.
Benefit summary Maximum Benefits
Flat amount $25,000
Accidental Death & Dismemberment (AD&D)
Matches Basic Life amount
If you leave your employment, you may convert your Group Life insurance to an individual life insurance policy without having to answer any medical questions (within 31 days)
Conversion
Age Reduction Formula
Your benefit reduces by 35% at age 65, 60% at age 70, and 75% at age 75
You can request an accelerated benefit up to 80% of the amount of your employee basic life insurance currently in force if you become terminally ill and have a life expectancy of 12 months or less, not to exceed $8,000
Accelerated Death Benefit / Terminal Illness Benefit
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LIFE INSURANCE MUTUAL OF OMAHA
Voluntary Life and Accidental Death and Dismemberment If you would like additional coverage, Voluntary Life and AD&D insurance is available to you, your spouse ad your dependent children. You must enroll in coverage for yourself in order to cover your spouse or children. If you don’t enroll in Voluntary Life when it’s first available to you, or elect an amount over the Guaranteed Issue, you may be required to complete an Evidence of Insurability (EOI) form. Please visit this website to submit EOI forms https://www3.mutualofomaha.com/eoi/#/home.
Voluntary Life Options
Coverage Option
Guarantee Issue Limit
Increments of $20,000 to a maximum of $500,00 or 7x annual earning Increments of $10,000 to a maximum of $250,000 or 100& of employee amount $10,000 (100% of employees benefit up to $10,000)
Employee
7x salary up to $100,000
100% of Employee’s benefit up to $30,000
Spouse
Children to age 26
$10,000
Monthly rates
Under age 30
$0.51
60-64
$0.871
30-34
$0.058
65-70
$1.409
35-39
$0.084
70-75
$2.294
40-44
$0.142
75-79
$4.056
45-49
$0.221
80-84
$8.026
50-54
$0.334
85+
$13.193
55-59
$0.531
Employee AD&D Rate
$0.026
Dependent Child(ren) Rate $0.131
Spouse AD&D Rate
$0.012
Child AD&D Rate
0.026
Monthly Premium Calculation Use the rates in the Age/Premium Factor Table to calculate your premium for voluntary life and accidental death and dismemberment disability coverage in the worksheet below, using the example as a guide.
Example: If the rate is $0.096 per $1,000 and an enrollee elects $20,000 in coverage, the monthly premium will be $1.92.
$0.096
x
20
=
$1.92
Plan rate (determined by age)
Coverage per $1,000
Monthly premium
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SiteImpact • 2023-2024 Benefits Guide
DISABILITY INSURANCE MUTUAL OF OMAHA
You have the opportunity to purchase Short-Term and/or Long-Term Disability. These plans give you income protection in the event you are ill or injured in a non-work related injury, and can’t come to work. If you don’t enroll in Disability coverage when it’s first available, you may be required to complete and an Evidence of Insurability (EOI) form.
Short-term disability benefits
Long-term disability benefits
Elimination period
14 days
Elimination period
90 days
Weekly benefit
60% of weekly earnings
Monthly benefit
60% of monthly earnings
Maximum weekly benefit
$1,500
Maximum monthly benefit $6000
SSNRA (Social Security Normal Retirement Age)
Maximum benefit period
11 weeks
Maximum benefit period
Short Term Disability Monthly rates
Under age 25
$0.19
50-54
$0.24
25-29
$0.29
55-59
$0.25
30-34
$0.25
60-64
$0.35
35-39
$0.19
65-69
$0.28
40-44
$0.24
70+
$0.17
45-49
$0.24
Voluntary Short-Term Disability Monthly Premium Calculation Use the rates in the Age/Premium Factor Table to calculate your premium for voluntary short-term disability coverage in the worksheet below, using the example as a guide.
Example: 42-year-old employee earning $40,000 a year
$769.23
x
0.24
=
$18.46
List your weekly earnings (Maximum is $2,500)
Multiply by the premium factor
Monthly premium
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ADDITIONAL BENEFITS
Benefit
Description
Contact information
We are pleased to offer an Employee Assistance Program to assist you and your family through difficult times. z Unlimited access to Master’s-level counselors by phone 24/7. z Up to 3 face-to-face visits with a counselor at no cost. z Unlimited access to helpful tools and resources online.
Mutual of Omaha EAP 800-316-2796 English mutualofomaha.com/eap Customer Service Number: 800-316-2796
Employee Assistance Program
Referrals available.
z
Creating a will is an important investment in your future. It specifies how you want your possessions to be distributed after you die. Whether you’re single, married, have children or are a grandparent, your will should be tailored for your life situation.. 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. This service is available at no cost to you even if you do not enroll in medical benefits.
Create your will at www.willprepservices.com and use the code MUTUALWILLS to register
Will Prep
Mutual of Omaha For inquires within the U.S call toll free: 800-856-9947 Outside the U.S call collect: 312-935-3658 Note: Carry your travel card to use this plan!
Services include:
Pre-trip Assistance
z
Travel Assistance
z Up to 3 face-to-face visits with a counselor at no cost.
Unlimited access to helpful tools and resources online.
z
Referrals available.
z
For no additional cost, you have access to PerkSpot which provides you with exclusive discounts to hundreds of merchants nationwide. There are discounts in dozens of categories including but not limited to:
Sign up at Locktonsoutheast.perkspot.com/login to see all available discounts!
Apparel
z
Automotive
z
Electronics
PerkSpot
z
Health and Fitness
z
Travel and Entertainment
z
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SiteImpact • 2023-2024 Benefits Guide
GLOSSARY OF TERMS COPAYMENT : A copayment (copay) is the fixed dollar amount you pay for certain in-network services on a PPO-type plan. In some cases, you may be responsible for coinsurance after a copay is made. COINSURANCE: Your share of the costs of a healthcare service, usually figured as a percentage of the amount charged for services. You start paying coinsurance after you’ve met the deductible. Your plan pays a certain percentage of the total bill, and you pay the remaining percentage. DEDUCTIBLE: A deductible is the amount of money you must meet before your plan begins paying for services covered by coinsurance. Some services, such as office visits that require copays do not apply to the deductible. For example, if your plan’s deductible is $1,000, you’ll pay 100 percent of eligible healthcare expenses until you have met the $1,000 deductible. After that, you share the cost with your plan by paying coinsurance.
FORMULARY : A list of prescription drugs covered by the plan. Also called a drug list.
HIGH DEDUCTIBLE HEALTH PLAN (HDHP): This is a type of medical plan that requires the member to reach a deductible prior to having services covered by coinsurance. All expenses paid by the member count toward the deductible and out-of-pocket maximum. IN-NETWORK: A group of doctors, clinics, hospitals and other healthcare providers that have an agreement with your medical plan provider. You pay a negotiated rate for services when you use in-network providers. OUT-OF-NETWORK: Care received from a doctor, hospital or other provider that is not part of the plan agreement. You’ll pay more when you use out-of-network providers since they don’t have a negotiated rate with your plan provider. You may also be billed the difference between what the out-of-network provider charges for services and what the plan provider pays for those services. OUT-OF-POCKET MAXIMUM: This is the most you must pay for covered services in a plan year. After you spend this amount on deductibles and coinsurance, your health plan pays 100 percent of the costs of covered benefits. However, you must pay for certain out-of-network charges above reasonable and customary amounts.
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CONTACTS Medical/Rx UnitedHealthCare Member services: 800-357-0978 Website: www.myuhc.com Dental UnitedHealthcare Member services: 877-816-3596 Website: www.myuhcdental.com Vision UnitedHealthcare Member services: 800-839-3242 Website: www.myuhcvision.com
Wellness UnitedHealthCare Website: myuhc.com Health Savings Account (HSA) Clarity Member services: 888-423-6359 Website: claritysolutions.com Flexible Spending Account (FSA) Clarity Member services: 888-423-6359 Website: claritysolutions.com
Life & Disability Mutual of Omaha Member services: 800-877-5176 Website: www.mutualofomaha.com Employee Assistance Program Mutual of Omaha EAP Member services: 800-316-2796 Website: mutualofomaha.com/eap People and Culture Department Sam Sharon Phone: 954-982-7900 x317 Email: Sam.Sharon@siteimpact.com Email: HRsupport@siteimpact.com
Annual Notices Annual notices are available here: www.paycomonline.com
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SiteImpact • 2023-2024 Benefits Guide
NOTES
19
All changes must be made by March 13th! The descriptions of the benefits are not guarantees of current or future employment or benefits. If there is any conflict between this guide and the official plan documents, the official documents will govern.
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