Employee Benefits 2023
Xpress Global Systems
Here’s where to find... Welcome
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Who is eligible and enrollment information
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Payroll contributions
WELCOME TO ANNUAL ENROLLMENT! Xpress Global Systems 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 department. Although this guide contains an overview of benefits, for complete information about the plans available to you, please see the summary plan description (SPD).
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Medical
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How to be a smart consumer
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Health savings account (HSA)
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Flexible spending account (FSA)
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Additional protection
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Accident plan
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Dental
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Vision
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Life and AD&D plans
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Short-term disability
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Long-term disability
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Additional benefits
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Glossary of terms
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Contacts
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Xpress Global Systems • 2023 Benefit Guide
WE CARE ABOUT YOU! At XGS we are fortunate to have a great team of people who keep our company and way of life on the move. Each of you is a valued member of the XGS family, and we care about your success and well- being. Your dedication to the total team effort has been a key element in developing innovations in performance, technology, and safety that deliver higher levels of customer service and a better quality of life for all our employees. One way XGS delivers a better quality of life for employees is through our benefits program. It is a valuable resource, giving access to plans that can help you be healthier and more financially secure, today and for your future. It’s no secret that health care and other benefit costs continue to rise; you hear and can read about it almost every day. With that in mind, XGS has worked diligently to provide a total benefits portfolio that is robust, customizable and affordable. Top quality coverage is amongst the highest priorities for XGS because we know it improves employee health and reduces the need for more costly treatments. Please take the time to carefully review all the benefit information provided and enroll in the options that are right for you and your family. It’s the best way to make sure you’ll be getting the most value from every paycheck.
Here’s to your health!
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WHO IS ELIGIBLE? Benefits are available to all full-time employees working a minimum of 30 hours per week and their dependents. For those enrolling during Open Enrollment, your benefits will become effective on January 1, 2023. For new hires, benefits will become effective on your 31st day of employment.
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). Note: Any change you make to your coverage must be consistent with the change in status. HOW TO ENROLL z Visit workforcenow.adp.com to enroll/waive in benefit coverage. z Enter your User ID and password and then click, Sign In. If you need to reset your password reach out to human resources. z To start, click Enroll Now. z Make sure to review your sections and then click Complete once you are finished.
Eligible dependents include:
Your legal spouse
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 SPOUSAL PREMIUMS In an effort to control the health insurance costs for all employees, we are asking for your spouse to elect medical insurance through his/her employer if medical insurance is available. If medical insurance is available to your spouse and you would still like to cover your spouse under XGS, you may do so by paying an additional spousal premium of $100 per pay period.
ENROLLMENT DEADLINES
Current Employee
New hire
Qualified life event
ENROLLMENT OPPORTUNITY Annually during the enrollment period
ENROLLMENT OPPORTUNITY Must enroll within 30 days of hire
ENROLLMENT OPPORTUNITY Changes must be made within 30 days of life event
COVERAGE EFFECTIVE DATE 31st day of employment
COVERAGE EFFECTIVE DATE Start of plan year
COVERAGE EFFECTIVE DATE Date of life event
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Xpress Global Systems • 2023 Benefit Guide
BI-WEEKLY EMPLOYEE PAYROLL CONTRIBUTIONS
Medical/Rx
Traditional PPO Plan
High PPO Plan
High Deductible Health Plan
Tobacco
Non-Tobacco
Tobacco
Non-Tobacco
Tobacco
Non-Tobacco
Employee
$129.53
$89.53
$60.42
$20.42
$85.23
$45.23
Employee + Spouse
$364.96
$324.96
$185.99
$145.99
$224.62
$184.62
Employee + Child(ren)
$216.10
$176.10
$120.18
$80.18
$150.77
$110.77
Family
$378.17
$338.17
$182.99
$142.99
$224.62
$184.62
A spousal surcharge of $100 per pay period applies if your spouse has access to another employer-sponsored health plan but chooses to remain on the Xpress Global System’s medical plan.
Dental
Low Plan
High Plan
Employee
$9.32
$13.38
Family
$25.15
$40.51
Vision
Employee
$2.56
Employee + 1
$4.68
Family
$8.10
Note: Additional rate information can be found in your enrollment portal.
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BCBST.com 800-565-9140 Group Number: 130415
YOUR MEDICAL PLAN BLUECROSS BLUESHIELD OF TN XGS is happy to offer medical insurance options that best fit the needs of you and your family.
z High PPO Plan: This new plan gives you the lowest cost per paycheck and will provide you with healthcare coverage z Traditional PPO: This option will cost you less when you go to the doctor in exchange for a higher cost per paycheck z High Deductible Plan: This plan allows you to save with a Health Savings Account and XGS will continue to contribute funds into your account Use In-Network Providers
Why Use Preventive Care? According to the U.S. Centers for Disease Control and Prevention (CDC), 7 out of 10 Americans die each year from chronic diseases, many of which are preventable. When preventive care is used and illnesses are caught early enough, individuals can avoid or better control their health problems. WHY USE PREVENTIVE CARE? Preventive care is important because it helps you stay healthy and access prompt treatment when necessary, and it can also help reduce your overall medical expenses. z Stay healthier and get more effective treatment z Pay less for medical expenses z Many preventive services are now covered in full WHAT SERVICES ARE CONSIDERED PREVENTIVE CARE? The U.S. Department of Health and Human Services has provided lists of preventive services that must be covered by most health insurance plans. Lists are available for adults, women and children, as covered services depend on age and gender. Visit hhs.gov/healthcare/about-the-aca/ preventive-care/index.html
What does it mean to go to an in-network provider? When your doctor or hospital is considered “in-network” it means that your provider has negotiated to offer their services at a lower rate.
The network that you belong to is:
BLUE NETWORK P To find out if your provider or facility is in-network
1. Call BCBS at 866-270-5311 or 2. Visit bcbst.com
z Click “Find Care” z Select the network “Blue Network P” if you live in Tennessee. If you live out-of-state select the “BlueCard PPO” network. z Enter your City, State or Zip z Select to search by type of care, name of provider, or type of specialty REMEMBER: Make sure both your doctor and your facility are in-network.
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Xpress Global Systems • 2023 Benefit Guide
MEDICAL BLUECROSS BLUESHIELD OF TN Your medical benefits are provided by BlueCross BlueShield of TN and provides coverage for both in-network and out- of-network providers. You will always have stronger benefits when visiting in-network providers. BCBST.com 800-565-9140
Medical
Traditional PPO Plan
High PPO Plan
High Deducitble Health Plan
In-network
In-Network
In-network
Annual deductible (Individual/Family)
$3,000 / $6,000
$7,500/$15,000
$5,000 / $10,000
Out-of-pocket maximum (Individual/Family)*
$6,000 / $12,000
$9,100/$18,820
$5,000 / $10,000
Preventive care
Covered at 100%
Covered at 100%
Covered at 100%
Primary physician office visit
$30 copay
30% after deductible
Subject to deductible
Specialist office visit
$50 copay
30% after deductible
Subject to deductible
Telehealth
$35 copay
$35
$50 copay
Inpatient hospital services
30% after deductible
30% after deductible
Subject to deductible
Outpatient hospital services (lab, x-ray, diagnostic)
30% after deductible
30% after deductible
Subject to deductible
Urgent care
$50 copay
30% after deductible
Subject to deductible
Emergency room care
30% after deductible
30% after deductible
Subject to deductible
Prescription drugs Retail (30-day supply) Generic
$10
$10
Subject to deductible
Brand preferred
$30
$30
Subject to deductible
Brand non-preferred
30%
Not covered
Subject to deductible
Out-of-Network OON Deductible (Individual/Maximum per Family) OON Out-of-Pocket Max (Individual / Maximum per Family)
$6,000 / $12,000
$10,000/$20,000
$10,000 / $20,000
$12,000 / $24,000
$15,000/$30,000
$15,000 / $30,000
Out-of-Network Benefits
50% after deductible
50% after deductible
20% after deductible
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.
* Includes Deductible and Copayments
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HOW TO BE A SMART CONSUMER
Tobacco Cessation
Mobile App
XGS provides a free tobacco cessation program. It’s a great way to take that first step to a healthier life. After you enroll, you will be assigned a health coach who will help you reach your goal of becoming tobacco-free. Your medical plan can help by covering certain tobacco cessation medications and counseling programs at 100%.
The BCBSTN app lets you easily access your healthcare information and gives you tools to help estimate costs, manage claims and find providers — anytime and anywhere. It’s built to be your go-to healthcare resource when you’re on the go.
The program includes:
z Unlimited inbound calling or secure messaging via the AlwaysOn mobile app to your health coach z An individualized action plan z A free eight-week supply of nicotine replacement therapy if indicated on your individual action plan z Education, guidance, and support along the way Call 800-818-8581 (Option 3) to get started today.
Telehealth
PHYSICIAN NOW powered by MDLive provides access to telehealth through BlueCross BlueShield of TN.
Cost Estimator
MDLIVE Telehealth (PhysicianNow) is a convenient way for Medicare Advantage members to get care during off hours for minor illnesses. They can talk to a doctor from home or on the go - 24 hours a day, seven days a week - even on holidays.
Different doctors and hospitals may charge different amounts for the same service. Log in to your online account at bcbst.com to start using the HealthCare Cost Estimator. This tool can help you compare costs based on your own benefits.
This service saves you time and money! The cost depends on the medical plan you are enrolled in:
Traditional PPO: $35 HDHP with HSA Plan: $50
bcbst.com/get-care/physician-now
Visit bcbst.com/PhysicianNow or call 1-888-283-6691 to get started.
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Xpress Global Systems • 2023 Benefit Guide
HEALTH SAVINGS ACCOUNT (HSA) VOYA FINANCIAL 833-232-4673 | MYHEALTHACCOUNT.VOYA.COM EMAIL: HSAINFO@VOYA.COM
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:
You are enrolled in the HDHP
You are not covered by a spouse’s plan
No one else can claim you as a dependent
You are not enrolled in Medicare, TRICARE or TRICARE for Life
As an added benefit, Xpress Global Benefits will contribute the following to your account:
You have not received VA benefits in the past 3 months
How Do I Access / Make Contributions to My HSA?
Employee
$250/year
Employee + spouse
$350/year
Manage your HSA at myhealthaccount.voya.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).
Employee + child(ren)
$350/year
Family
$1,000/year
HSA Advantages
How Much Can Be Deposited into an HSA in 2023?
You can use the account to pay for qualified healthcare expenses.
Up to $3,850 for individual
z
Unspent dollars roll over each year and are yours to keep if you retire or leave the company.
<55*
z Up to $7,750 for family *Not enrolled in Medicare
The maximum contribution increases by $1,000 *Not enrolled in Medicare
You can invest your HSA funds, so your available healthcare dollars can grow over time.
55+*
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FLEXIBLE SPENDING ACCOUNT (FSA) VOYA FINANCIAL 833-232-4673 | MYHEALTHACCOUNT.VOYA.COM
Set Aside Money for Future Expenses
Save on Dependent Care, Too With a Dependent Care FSA, your contribution is deducted from your paycheck in equal amounts over the course of the year. You can contribute pre-tax dollars to this FSA to help pay the costs of day care for a child or elder care for a parent – and as with a Healthcare FSA, withdrawals are tax-free. However, only the funds actually on deposit are available for withdrawal. The annual maximum you can contribute to the Dependent Care FSA is $5,000 or $2,500 if married and filing separately. Your Money Goes Further in an FSA A $1,000 contribution to your FSA could save you as much as $300 or more! Example: An employee makes $2,000 each month and decides to participate in her employer’s Flexible Benefits Plan. As a result her health and day care expenses are paid with tax-free dollars, giving her an additional $100 each month!
Flexible Spending Accounts (FSAs) offer you a way to save money on eligible health and/or dependent care expenses. You can set aside pre-tax dollars from each paycheck and then use the money to pay for eligible expenses. You can participate in either the health or dependent care FSA, or both. Save on Qualified Healthcare Expenses You can use the tax-free dollars in your FSA or HSA for any qualified medical expense, for example: z Copayments for doctor visits z Health plan deductibles and coinsurance z Prescriptions z Dental and orthodontic care z Hearing aids z Eyeglasses, contact lenses, laser eye surgery With a Healthcare FSA, your contribution is deducted from your paycheck in equal amounts over the course of the year. With an FSA your full year’s contribution is available to you from day one. When paying for eligible products and services, your Benefits Card is the most convenient way for you to access your FSA funds. Your Benefits Card is a prepaid debit card that uses funds directly from your benefits plan. You can also pay for your eligible expenses out-of-pocket and then be reimbursed. For reimbursement, you must submit a claim form through your online account or on our mobile app.
Without FSA
With FSA
Gross Earnings
$2,000 Gross Earnings
$2,000
FICA, Fed & State Taxes
- 500 Health/Daycare Expenses
- 300
Health/Daycare Expenses
- 300 Adj. Gross Earnings
$1,700
FICA, Fed & State Taxes
- 400
Net Earnings
$1,200 Net Earnings
$1,300
Important Notes z You can only participate in the Healthcare FSA if you are not contributing to a Health Savings Account (HSA). z Enrollment for the FSA plans is required each year. You do not need to be enrolled in the XGS Medical Plan to participate in the FSA Plan. z The F SA plan year runs from January 1—December 31. z You have until March 31st to submit claims for expenses incurred during the prior plan year. z Healthcare FSA funds in excess of $550 will be forfeited. This is known as the “use it or lose it” rule. Please plan your expenses carefully to avoid over-contributing to the FSA. Set aside only enough money to cover the expenses you are reasonably certain you will incur.
The annual maximum you can contribute to the Healthcare FSA is $3,050.
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Xpress Global Systems • 2023 Benefit Guide
ADDITIONAL PROTECTION VOYA FINANCIAL 877-236-7564 | VOYA.COM GROUP: 70442-3 If you enrolled in the High Deductible Health Plan, XGS will provide you with Hospital Indemnity and Basic Critical Illness (Cancer benefit only) coverage for no additional cost.
The following benefits will pay you a cash benefit in the event you have a hospital confinement or are diagnosed with a critical Illness:
Hospital Indemnity Available for FREE if you enroll in the High Deductible Health Plan. Pays you a pre-determined benefit amount each day you are in the hospital. You can use the benefit for nearly anything, including copays, insurance deductibles, and living expenses. z Initial Confinement: Pays you $1,000 for 1st day you spend in-patient at the hospital or critical care unit z Daily Benefit: z Hospital: Pays you $100 per day, for up to 30 days of in-patient confinement z Critical Care Unit: Pays you up to $200 per day, for up to 15 days per confinement z Critical Illness Rider: Pays a one-time $5,000 benefit if you are diagnosed with one of the following conditions: heart attack, stroke, end stage renal failure, coronary artery bypass 25%, major organ failure Critical Illness (Basic and Buy-Up Options) If you are enrolled in the High Deductible Health Plan you will automatically be enrolled in the Basic Critical Illness Plan. This plan will pay you a lump sum of $5,000 if you are diagnosed with cancer. All full-time employees have the option to purchase $10,000 in Critical Illness coverage, Spouse and Children can enroll in 100% of the Employee amount as well for the $10,000 coverage option. Meaning, if the employee elects $10,000, Spouse and Children can also elect $10,000. This policy will pay a lump sum if you are diagnosed with one of the following illnesses: Heart attack, Stroke, End Stage Renal failure or cancer.
+
=
Critical Illness Cover out-of-pocket expenses if diagnosed with a serious illness
Hospital Indemnity Pay for in-patient hospital stays
Cash in Your Pocket Simple as that.
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YOUR ACCIDENT PLAN VOYA FINANCIAL 877-236-7564 | VOYA.COM GROUP: 70442-3
Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident that occurs on or after your coverage effective date for you, your spouse and your child(ren) under age 26. The benefit amount depends on the type of injury and care received. Accident Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
How can Accident Insurance help? Here are a few examples of how your Accident Insurance could be used:
z Medical expenses, such as deductibles and copays z Home healthcare costs
z Lost income due to lost time at work z Everyday expenses like utilities and groceries
A Practical Example: John works full-time while raising two energetic children and playing in a summer softball league. While sliding into home base, he broke his ankle and tore his ACL. This is an example of how coverage could work. The amounts shown are an example only. Actual costs/results may vary.
Receive a $100 Wellness Reward for qualified health screening tests like
cholesterol test, pap test, mammography, colonoscopy and more. Simply call Voya and submit proof to test to receive your benefit!
Out-of-Pocket Costs
Accident Benefit Paid to John
Urgent care facility treatment
$400
$200
X-Ray
$100
$40
Tendon/Ligament/Rotator Cuff Surgery
$1,000
$675
Broken ankle, closed reduction
$1,500
$1,200
Medical equipment
$150
$100
Follow-up doctor visit
$125
$75
Physical therapy (6 sessions)
$300
$240
TOTAL
$3,575
$2,530
Your Cost Per Paycheck
Bi-Weekly Rate Employee
$6.40
Employee + Spouse
$11.04
Employee + Child(ren)
$12.65
Employee + Family
$17.29
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Xpress Global Systems • 2023 Benefit Guide
DENTAL BLUECROSS BLUESHIELD OF TN 800-565-9140 | BCBST.COM
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 BlueCross BlueShield of Tenessee pays, and what your out-of-network provider charges for the services. To locate an in-network provider, please visit bcbst.com/finddentalcare .
Dental
Low Plan
High Plan
Annual deductible (Individual/Family)
$50 / $150
$50 / $150
Annual maximum (per person)
$1,000
$2,000
Diagnostic and preventive care Includes cleanings, fluoride treatments, sealants and x-rays
100% covered
100% covered
Basic services Includes fillings, periodontics, scaling and root planning, and oral surgery
50% covered after ded.
90% covered after ded.
Major services Includes crowns, bridges and full and partial dentures
50% covered after ded.
60% covered after ded.
50% covered $2,000 lifetime max
Orthodontia (Children up to age 19)
Not covered
Plan includes out-of-network benefits, see plan summary for additional details.
VISION BLUECROSS BLUESHIELD OF TN 800-565-9140 | BCBST.COM
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 providers, who have higher benefits at a lower cost to you. When you need services, consider using an in-network provider for the most bang for your buck! 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 BCBST.com.
Vision
In-network
Examination (every 12 months)
$20
Material
$20
Lenses
(every 12 months)
Single
Bifocal Trifocal Frames
Covered in full after materials copay
(every 24 months)
New frames
$135 allowance
Contact lenses
(every 12 months)
Elective
$135 copay
Employees can elect dental and/or vision regardless of whether they are enrolled in medical.
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L
Your Life and AD&D Plans MUTUAL OF OMAHA | 800‐877‐5176 MUTUALOFOMAHA.COM | GROUP NUMBER: 0BPFL Life AD&D insurance offers financial protection by providing you coverage in case of an un takes away your income‐earning ability. Life benefits are payable to your beneficiaries in
LIFE AND AD&D PLANS LINCOLN FINANCIAL GROUP
Benefit Summary Company Paid Life Insurance
$10,0
800-423-2765 | LFG.COM GROUP NUMBER: 1025385
Voluntary Employee Life and AD&D
$10,000 up to the lesser o
$5,000 up to the lesser of $250 volum ($200,000 fo
Voluntary Spouse Life and AD&D
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. Voluntary Child Life and AD&D ( children up to age 26)
$1,000 up to
EVIDENCE OF INSURABILITY As a new hire, Evidence of Insurability (EOI) is required to purchase insurance above $200,000 for yourself and above $50,000 for spouse coverage. EOI requires you to complete a medical questionnaire, obtain a physical (at the carrier’s request) and receive carrier approval before your insurance goes into effect. If you do not elect during your new hire enrollment period, EOI will be required for any volume you choose. If you are currently enrolled and want to increase coverage during Open Enrollment, you may do so by one increment ($10,000) without EOI.
NAME YOUR BENEFICIARIES It’s important to name a b company paid and optional lif your benefit will be paid accor guidelines. You are automatica for any dependent life insuran You can update your benefici any time. 1. Navigate to workforcenow 2. Click Personal Information Beneficiaries
Benefit Summary Company Paid Life and AD&D
$10,000
Voluntary Employee Life and AD&D
$10,000 up to the lesser of $500,000 or 5x Salary
Voluntary Spouse Life and AD&D
$5,000 up to $250,000 not to exceed 50% of employee amount
Voluntary Child Life and AD&D (children up to age 26)
$1,000 up to $10,000
Evidence of Insurability As a new hire, Evidence of Insurability (EOI) is required to purchase insurance above $300,000 for yourself and above $50,000 for spouse coverage. EOI requires you to complete a medical questionnaire, obtain a physical (at the carrier’s request) and receive carrier approval before your insurance goes into effect. Name Your Beneficiaries It’s important to name a beneficiary for both your company paid and optional life insurance. If you do not, your benefit will be paid according to insurance company guidelines. You are automatically listed as the beneficiary for any dependent life insurance you may select. You can update your beneficiary information in ADP at any time. 1. Navigate to workforcenow.adp.com 2. Click Personal Information, then click Dependents & Beneficiaries
Calculate Your Voluntary Life and AD&D Bi‐Weekly Payroll Deduction Voluntary Life and AD&D: Rate is based on age and benefit volume. Spouse rate is based on Employee’s Age. EMPLOYEE _________ ÷ 1,000 = _________ x _________ = _________x 12 ÷ 26 = _________ Volume Desired # of Units Employee Age Monthly Cost Per Pay Cost From Rate Table SPOUSE _________ ÷ 1,000 = _________ x _________ = _________x 12 ÷ 26 = _________ Volume Desired # of Units Employee Age Monthly Cost Per Pay Cost From Rate Table CHILD _________ ÷ 1,000 = _________ x _________ = _________ x 12 ÷ 26 = ________ Volume Desired # of Units Rate from Table Monthly Cost Per Pay Cost
A g e
0 –29 30 – 34 35 – 39 40 – 44 45 – 49 50 – 54 55 – 59 60 – 64 65 – 69 70 ‐ 74
A g e
*To calculate your weekly cost, divide by 52 instead of 26
6 mo ‐26
Vol. Life AD&D Rate per $1,000 of coverage
Age
0-29
$0.134
30-34
$0.143
35-39
$0.162
40-44
$0.227
45-49
$0.348
50-54
$0.544
55-59
$0.814
60-64
$1.243
65-69
$2.194
70-74
$3.489
Child (6 mo - 26)
$0.12
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Xpress Global Systems • 2023 Benefit Guide
SHORT-TERM DISABILITY LINCOLN FINANCIAL GROUP
800-423-2765 | LFG.COM GROUP NUMBER: 1025385 XGS provides full-time employees with a $500/week Short-Term Disability benefit at no additional cost to you in the event you are unable to work due to a non-work-related illness or injury. If you are eligible to receive benefits from Social Security, and/or Disability (state and federal), your STD benefits will be reduced by that amount. If you are eligible to receive Workers Compensation you will not be eligible for Short-Term Disability.
Benefit
Company Paid Short-Term Disability
Voluntary Short-Term Disability
Benefits Begin
15th day
15th day
Benefits Payable
11 weeks
11 weeks
Benefit Percentage
40%
60%
Weekly Max Benefit
$500
$1,000
Pre-Existing
N/A
N/A
*Any Injury or Sickness for which you received medical treatment, advice or consultation, care or services, including diagnostic measures, or had drugs or medicines prescribed or taken in the 3 months prior to the day you become insured under the Policy. The carrier will not provide benefits for any Disability caused by, attributable to, or resulting from a Pre-existing Condition which begins in the first 6 months after you are continuously insured under the Policy.
Voluntary Short-Term Disability Bi-Weekly Cost per $10 of Weekly Benefit
Company Paid Short-Term Disability
100% Company Paid
$0.167
Special Note: Research disability laws in your state before choosing coverage. Your STD benefit may be offset by state plans.
Calculate Your Voluntary STD Payroll Deduction 1. Enter your Weekly Earnings (not to exceed $1,150)
Line 1: $
2. 3.
Line 2: X .00462
Multiply Line by 1 times .00462
Line 3: $
This will be your per paycheck cost
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LONG-TERM DISABILITY LINCOLN FINANCIAL GROUP
800-423-2765 | LFG.COM GROUP NUMBER: 1025385 If you are unable to work for an extended period of time due to an illness or injury, long-term disability (LTD) coverage can provide you with a source of income when you need it most.
If you are eligible to receive benefits from Social Security, Disability (state or federal), and/or Workers’ Compensation, your LTD benefits will be reduced by that amount.
Benefit
All Others
Drivers
Benefits Begin
91st day
91st day
Benefits Payable
SSNRA
2 years
% of Income Replaced
60%
60%
Monthly Maximum Benefit
$5,000
$2,000
Pre-Existing Condition*
3/12
3/12
*Any Injury or Sickness for which you received medical treatment, advice or consultation, care or services, including diagnostic measures, or had drugs or medicines prescribed or taken in the 3 months prior to the day you become insured under the Policy. The carrier will not provide benefits for any Disability caused by, attributable to, or resulting from a Pre-existing Condition which begins in the first 12 months after you are continuously insured under the Policy.
Voluntary Long-Term Disability Bi-Weekly Cost per $100 of Monthly Benefit
Age
Under 30
$.00115
30-34
$.00175
35-39
$.00268
40-44
$.00388
45-49
$.00572
50-54
$.00822
55+
$.00932
Calculate Your Voluntary LTD Payroll Deduction 1. Enter your Monthly Earnings *Depending on your election, your maximum monthly earnings may be capped to not exceed the maximum monthly benefit
Line 1: $
2. Multiply Line 1 by the age banded rate above. This is your per paycheck cost.
Line 2: $
16
Xpress Global Systems • 2023 Benefit Guide
ADDITIONAL BENEFITS
Emergency Travel Assistance
Employee Assistance Program
Description Emergency travel Assistance services are available to you with just one phone call. When traveling for business or pleasure, in a foreign country or just 100 miles or more away form home, you and your family can count on getting help in the event of a medical emergency. Our emergency travel assistance includes:
Description 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 5 face-to-face visits with a counselor at no cost.
Hospital admission coordination
z
z Unlimited access to helpful tools and resources online.
Emergency medical evacuation
z
Referrals available.
z
z Medically supervised transportation home
Legal and interpreter referrals
z
Contact information EmployeeConnect through Lincoln Financial Group
888-628-4824 English GuidanceResources.com
Contact information Within U.S: 1-877-715-2593 Outside the U.S: +(U.S. access code) 202-659-7807 OPS@europassistance-usa.com
Login Credentials: Username: LFGSupport Password: LFGSupport1
Who pays?
Pet Insurance
Employer Paid
Description No matter what unpredictable antics your furry family member gets into, your family isn’t complete without them. Beginning January 1, 2023, you can enroll in MetLife Pet Insurance and feel confident that their health and your wallet are protected if youre faced with
Will Preparation Services
Description Creating a Will is an important invest in your future. Epoq offers a secure account space that allows you to prepare Wills and other legal documents. Create a Will that’s tailored to your unique needs from comforts of your own home. Epoq provides the following FREE documents:
an unexpected trip to the vet. Why MetLife Pet Insurance?
z Flexible coverage with up to 100% reimbursement and freedom to visit any U.S licensed vet
Optional Preventive Care coverage
z
z 24/7 access to Telehealth Concierge Services
Last Will and Testament
z
Discounts and offers on pet care
z
Power of Attorney
z
z Coverage of pre-existing conditions when switching providers
Healthcare Directive
z
z MetLife Pet mobile app to submit and track claims, manage your pet’s health and wellness and find nearby pet services
Living Trust
z
Contact information Visit GuidianceResources.com. Download the GuidanceNow mobile app, or call 1-855-891-3684 (First-Time user: Enter Web ID LifeKeys
Contact information Enroll: www.metlife.com/getpetquote 800-438-6388
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UPG
401(k) Retirement
Description Open Enrollment comes with big decisions. DirectPath can help! As you’re going through Open Enrollment this year, remember that you have a UPG Advocate to assist with questions about your benefits and health care options. This confidential, no-cost service is included as part of your benefits program.
Description XGS cares about your financial well-being, which includes having the financial resources to enjoy life once you retire. The 401(k) Plan helps you prepare for retirement. You can grow your account by making contributions and receiving matching contributions (if eligible) from the company in the 401(k) Plan. You decide how to invest your account, and your investments may grow tax-free until you take money out of the plan.. Eligibility: All XGS employees that are 18 years of age or older are eligible to participate in the 401(k) Plan as of the first of the month following completion of 6 months of service with the company.
Call UPG during Open Enrollment to:
z Learn the differences between your benefit options, so you can make the best decisions for yourself and your family
z Understand who is eligible for coverage
z Confirm your doctor is in-network for your chosen plan And remember, you can call your Advocate anytime throughout the year for help with:
Contact information VOYA FINANCIAL Phone #: 888-311-9487 www.voya.com/contact-us
z Reviewing your bill for errors and expediting corrections
z Appealing a denied claim and overseeing the process
Finding in-network providers
z
Employee Contributions Contributions from your payroll may be made on a pre-tax or after- tax basis - up to the IRS annual limit. If you are 50 years of age or older you may make a catch-up contribution in addition to the normal IRS annual limit. Company Contributions The company may match a portion of the contributions you make to the plan during the year. The match program and formulary amount is discretionary. The 401(K) Plan provides for discretionary matching contributions in an amount to be determined by XGS. Currently the matching formula, based on a percentage of salary deferrals, is 50% of salary deferrals up to 6% of the employee’s eligible compensation - for a 3% maximum match.
Making appointments
z
Verifying eligibility and coverage
z
z Answering prescription drug questions and finding ways to save money z Coordinating care and providing education for complex or chronic cases z Explaining the Qualified Life Event process for birth of a child, marriage, etc. z Answering any question about how your benefits work Your UPG Advocate can answer your Open Enrollment questions, and any benefits or health care question throughout the year!
Contact information
Website: https://yourbenefits.as.me/xgsi
Driver’s Legal Plan
Description XGS offers drivers a legal plan through Drivers Legal Plan. All XGS drivers are eligible for this benefit, effective immediately upon enrollment and is not subject to the elegibility waiting period.
Contact information Klepper Law 800-580-8789 driverslegalplan.com
18
Xpress Global Systems • 2023 Benefit 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.
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. 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.
19
CONTACTS
Medical & RX BLUECROSS BLUESHIELD OF TN Member services: 800-565-9140 Website: BCBST.com Group #: 130415 Dental and Vision BLUECROSS BLUESHIELD OF TN Member services: 800-565-9140 Website: BCBST.com Group #: 130415
Flexible Spending Account (FSA) Voya Financial Member services: 833-232-4673 Website: myhealthaccounts.voya.com Email: hsainfo@voya.com Life & Disability Lincoln Financial Group Member services: 800-423-2765
Employee Assistance Program Lincoln Financial Group
Member services: 888-628-4824 Website: GuidanceResources.com Group #: 1025385
Pet Insurance MetLife Member services: 800-438-6388 Website: www.metlife.com/getpetquote Human Resources Customer service: 423-405-6282 Email: XGSBenefits@xgsi.com Employee Advocacy Center UPG
Website: LFG.com Group #: 1025385
Voluntary Benefits Voya Financial Member services: 877-236-7564
Health Savings Account (HSA) Voya Financial Member services: 833-232-4673 Website: myhealthaccounts.voya.com Email: hsainfo@voya.com
Website: voya.com Group #: 70442-3
401(k) Retirement Voya Financial Member services: 888-311-9487 Website: www.voya.com/contact-us
Website: https://yourbenefits.as.me/xgsi
Annual notices are available here: iweb.xgsi.com/iWeb/
20
Xpress Global Systems • 2023 Benefit Guide
NOTES
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NOTES
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Xpress Global Systems • 2023 Benefit Guide
NOTES
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All changes must be made by (month day)! 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.
SE: 1793170
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