2011 US Benefits Overview For Colleagues on the Legacy Hewitt Plan

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2011 US Benefits Overview For Colleagues on the Legacy Hewitt Plan

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Title: 2011 US Benefits Overview For Colleagues on the Legacy Hewitt Plan


1
2011 US Benefits Overview For Colleagues on the
Legacy Hewitt Plan
2
Agenda
  • Benefits
  • Health and Welfare Plan
  • Retirement and Savings Plan
  • Paid Time Off
  • Additional Benefits
  • Resources
  • Who to Contact
  • Legal Information
  • Disclosure
  • Aon Hewitt Password Notice
  • Special Enrollment Rights Notice
  • Womens Cancer Coverage Notice
  • Aon Hewitt Safe Harbor Notice

3

Health and Welfare Plan
4
Health and Welfare PlanEnrollment
  • Enrollment window is open 31 days from your date
    of hire
  • For regular, full-time colleagues, most benefits
    are effective on your date of hire
  • For regular, part-time colleagues scheduled to
    work at least 24 hours per week, benefits are
    effective on the first day following 3 months of
    service
  • You will be enrolling for coverage thats
    effective your hire date through December 31,
    2011
  • You Can Enroll 1 of 2 ways
  • Online via Your Benefits Resources (YBR) website
    www.resources.hewitt.com/hewitt
  • By phone, via the Benefits Resource Center at
    1-888-2HEWITT (1-888-243-9488) representatives
    are available Monday - Friday 800 am to 430 pm
    Central Time

5
Health and Welfare PlanEnrollment (continued)
  • If you do not enroll by midnight, on the 31st day
    of your hire date, youll receive the following
    default coverage retroactive to your hire date
  • Aetna HealthFund Medical Plan option for you only
    (the cost of this plan is 30 per paycheck)
  • Basic Life, ADD, and LTD (there is no cost for
    this coverage)
  • If youd like to decline medical coverage, you
    must select no coverage in the benefits
    enrollment event on the YBR web site or by
    contacting the BRC within 31 days of your hire
    date
  • During the year, a qualified status change (life
    event) may allow certain enrollment changes if
    you make your request within 31 days of the event
  • You will be allowed to make changes to your
    coverage for the next plan year during annual
    enrollment which typically occurs at the end of
    November each year

6
Health and Welfare PlanEnrollment (continued)
  • Log on to YBR and click Register as a New User
    you will be prompted
  • For the last four digits of your Social Security
    Number
  • Your date of birth
  • To create a user ID
  • To create a password
  • To set up security questions
  • Or, you can call the Benefits Resource Center
    (BRC) at 1-888-2HEWITT (1-888-243-9488) and you
    will be prompted
  • For the last four digits of your Social Security
    Number
  • Your date of birth
  • To create a password (if it hasnt been set up
    yet) This password will be used to conduct
    transactions with the BRC or through YBR

7
Your Benefits Resources (YBR) Web Site
  • Your Benefits Resource (YBR) provides easy
    access to your Summary Plan Descriptions (SPDs)
    and other valuable resources
  • To view the plan SPDs, roll your cursor over
    either the Savings and Retirement tab or the
    Health and Insurance tab and click on plan
    information
  • To request a hard copy of any of the SPDs, click
    on forms and materials.
  • If any personal information (name, date of birth,
    or address) on the website is incorrect, use the
    PeopleSoft Personal Data Changer to correct the
    information
  • Information is updated within 24 to 48 hours

8
Dependent Eligibility Rules
  • Definition of an Eligible Child
  • Your natural-born child
  • If living with you, your stepchild or the child
    of your same-sex domestic partner
  • A foster child
  • Your legally adopted child or a child placed with
    you for adoption
  • A child for whom youre an appointed legal
    guardian, as defined by a court order
  • A child for whom youre required to provide
    medical coverage, according to a Qualified
    Medical Child Support Order, and who is otherwise
    eligible
  • Child Age Requirements
  • You can cover your eligible child until age 26
  • You can cover a disabled child as long as he/she
  • Became disabled before age 26
  • Is incapable of self-support because of a mental
    or physical disability
  • Is unmarried and financially supported by you
  • Contact the health plan carrier to get a form to
    certify your childs disability

9
Dependent Eligibility Rules (continued)
  • Spouse Eligibility Rules
  • Your spouse is the person youre legally married
    to under the laws of the state in which you live
  • Legal spouses include common-law spouses in
    states that recognize common-law marriages
  • If your spouse is also an eligible Aon Hewitt,
    special rules apply
  • Aon Hewitt also provides coverage for same-sex
    domestic partners An affidavit is required and
    can be found in the HA Forms database
  • Social Security numbers are required for
    dependents one year or older
  • Within 30 days after you enroll your dependents
    (spouse/partner and/or child(ren)), youll
    receive information about what documentation is
    needed to verify your dependents eligibility,
    where to send the documentation, and by what date

10
Health and Welfare PlanMedical Plans
  • Medical Plans
  • BlueCross BlueShield PPO
  • UnitedHealthcare EPO
  • Aetna HealthFund
  • Kaiser HMO (in California and Georgia only)

11
Medical PlansBCBS PPO
  • Build-your-own option In-network or
    out-of-network coverage in-network offers higher
    level of benefits and negotiated rates for
    services through in-network providers
  • Primary Care Physician (PCP) designation is not
    required
  • Preventive care (e.g. annual physical, well baby
    care, routine screenings) covered at 100 (no
    cost) when using in-network providers
  • You have two annual deductibles to choose from
  • 400 individual/800 family
  • 1,000 individual/2,000 family
  • Once you meet the annual deductible, the plan
    pays either 90, 80 or 70 of eligible,
    in-network expenses (based on your election)
  • Included with your medical plan enrollment is
    prescription drug coverage you pay 5 copay for
    generic drugs and 30 coinsurance for brand name
    drugs (up to 50 retail). This coverage is
    provided through CVS Caremark pharmacy network
    (medical deductible/coinsurance does not apply)
  • Behavioral health and substance abuse benefits
    are included with your medical plan enrollment
  • Coverage is provided through OptumHealth
    Behavioral Solutions
  • Provider network of specialists for this care is
    separate from the medical plan provider network

12
Medical PlansBCBS PPO (continued)
  • You select the deductible and coinsurance/out-of-p
    ocket maximum coverage that work for you.

Deductible
400 Individual / 800 Family Deductible
1,000 Individual / 2,000 Family Deductible
90 Coinsurance/1,000/2,000 Out-of-Pocket
Maximum
Coinsurance/Out-of-Pocket Maximum
80 Coinsurance/1,500/3,000 Out-of-Pocket
Maximum
70 Coinsurance/2,000/4,000 Out-of-Pocket
Maximum
Prescription Drugs
5 Generic / 30 Coinsurance Brand
Does not include deductible
13
Medical PlansUnitedHealthcare Choice EPO
  • Must stay in-network to receive benefits
  • Primary Care Physician (PCP) designation not
    required PCP referral not required to see an
    in-network specialist
  • Preventive care (e.g., annual physical, well baby
    care, routine screenings) covered at 100 (no
    cost) when using in-network providers
  • You simply pay a copay for most services when you
    need care
  • 20 copay per office visit 40 copay per
    specialist visit
  • 300 hospital and 150 emergency room copays
  • EPO pays 90 after hospital or emergency room
    copay and you pay 10 up to 1,500 single or
    3,000 family out-of-pocketthen the plan pays
    100
  • Included with your medical plan enrollment is
    prescription drug coverage you pay 5 copay for
    generic drugs and 30 coinsurance for brand name
    drugs (up to 50 retail). This coverage is
    provided through CVS Caremark pharmacy network
    (medical deductible/coinsurance does not apply)
  • Behavioral health and substance abuse benefits
    are included with your medical plan enrollment
  • Coverage is provided through OptumHealth
    Behavioral Solutions
  • Provider network of specialists for this care is
    separate from the medical plan provider network

14
Medical PlanAetna HealthFund with HSA
  • High-deductible PPO planall medical, pharmacy,
    and behavioral health expenses are first applied
    to an annual deductible
  • 1,500 single coverage
  • 3,000 family coverage
  • Once you meet the annual deductible, the plan
    pays 90 of eligible, in-network expenses and you
    pay 10 up to 1,500 for single coverage and
    3,000 for family coveragethen the plan pays
    100 of medical expenses (pharmacy separate)
  • In-network or out-of-network coverage in-network
    offers higher level of benefits and negotiated
    rates for services through in-network providers
  • Preventive care (e.g., annual physical, well baby
    care, routine screenings) covered at 100 (no
    cost) when using in-network providers
  • Included with your medical plan enrollment is
    prescription drug coverage. After you meet the
    annual deductible you pay 5 copay for generic
    drugs and 30 coinsurance for brand name drugs
    (up to 50 retail). This coverage is provided
    through CVS Caremark pharmacy network.
  • Behavioral health and substance abuse benefits
    are included with your medical plan enrollment
  • Coverage is provided through OptumHealth
    Behavioral Solutions
  • Provider network of specialists for this care is
    separate from the medical plan provider network

15
Medical PlanAetna HealthFund with HSA (continued)
  • A Health Savings Account is included with the
    Aetna high-deductible health plan. You can use
    this account to cover your initial expenses
    applied towards deductible, to pay for (or
    reimburse you for) medical, pharmacy, dental, and
    vision expenses
  • Aon Hewitt contributes to your HSA funded
    quarterly, up-front
  • 750 for single coverage per year
    (pro-rated62.50 per month for the remaining
    months left in the year)
  • 1,500 for family coverage per year
    (pro-rated125 per month for the remaining
    months left in the year)
  • You may also contribute to the HSA on a
    before-tax basis up to an annual maximum
    (including Aon Hewitts contribution)
  • 3,050 for single coverage
  • 6,150 for family coverage

16
Medical PlansKaiser HMO
  • Kaiser Health Maintenance Organization (HMO) Plan
    (medical, pharmacy, and behavioral health)
    provides access to a network of physicians,
    hospitals, and specialists
  • Must stay in-network to receive benefits
  • Requires Primary Care Physician (PCP) designation
    and specialist referral
  • You simply pay a copay for most services when you
    need care
  • 15 per PCP/Specialist office visit
  • 250 hospital and 75 emergency room copays
  • 100 paid after hospital or emergency room copay
  • 10 generic/25 brand prescription drug copays
  • Note Availability based on residence in
    California and Georgia

17
Medical PlansPre-Existing Condition
  • Pre-existing condition provisions will not apply
    to
  • Anyone who has had prior creditable coverage for
    at least 6 months and has not terminated more
    than 63 days before becoming eligible to enroll
    for benefits
  • Pregnancy, or for a newborn child or child under
    age 18 who is adopted or placed for adoption as
    long as the child is enrolled within 30 days of
    birth, adoption or placement for adoption
  • Participants enrolled in Kaiser HMO
  • A pre-existing health condition is one that
    exists when you become eligible to enroll for
    benefits a maximum benefit of 1,000 per
    condition applies until the earlier of
  • Six months of benefit eligibility
  • A 90-day period ending on or after becoming
    eligible for benefits where there has been no
    consultation or care for that health condition

18
Prescription Drug Coverage
  • CVS Caremark is the prescription drug plan
    administrator for Aetna HealthFund, BCBS PPO,
    and UnitedHealthcare Choice EPO medical plans
  • You pay 5 copay for generic drugs and 30
    coinsurance for brand name drugsup to 50 at
    retail pharmacy (30-day supply) or 100 for mail
    order (90-day supply)
  • You must use the CVS Caremark participating
    pharmacy network which includes other providers
    such as Walgreens, Wal-Mart, Rite Aid, etc.,
    along with CVS retailers
  • You must use mail order or a CVS retailer for
    maintenance medications (those requiring use
    greater than 60 days) to avoid a 10 generic or
    20 brand penalty (penalty applied after two
    months filled at retail, 30-day supply)
  • Under Kaiser HMO, you must use a Kaiser network
    pharmacy
  • 10 generic/25 brand name drug copays will
    apply
  • A discounted 90-day supply for maintenance drugs
    via mail order is available
  • Note If covered under Aetna HealthFund medical
    plan, benefit begins after combined deductible
    has been met

19
ID CardsMedical Plans (including Pharmacy and
Behavioral Health)
  • ID cards typically take 2 to 3 weeks to receive
    after youve enrolled in a medical plan
    Enrollment information is passed to the carriers
    every Tuesday
  • For Aetna, BCBS, and UHC medical plans, youll
    receive two ID cards
  • One for the medical plan youve elected
    (including behavioral health), and
  • One for the CVS Caremark prescription drug
    program
  • For the Kaiser HMO medical plan you will receive
    one ID card for medical, behavioral health, and
    prescription drug coverage
  • Temporary ID Cards
  • If you need a prescription filled or to see a
    doctor before your ID card arrives, log onto
    YBR, click on the Health Insurance tab, then the
    plan link under Access Your Plans
  • You may print a temporary ID card from the
    carriers web site until you receive your card in
    the mail
  • If you need assistance, please contact the
    Benefits Resource Center (BRC) and they can
    provide group numbers, phone numbers, and other
    information

20
MetLife Dental PPO Plan
Due to state laws, out-of-network dental benefits
will be the same as in-network dental benefits in
six states Alabama, Georgia, Louisiana,
Massachusetts, Mississippi, and Texas
Age 19 until 23 if full-time student
21
CIGNA Dental HMO Plan
In Network benefit only
22
EyeMed Vision Plan
23
ID CardsDental and Vision Plans
  • MetLife Dental doesnt issue ID cards for the Aon
    Hewitt plan
  • Group numbers for this plan are located on the
    YBR Web site
  • CIGNA Dental HMO and the EyeMed Vision Core Exam
    or EyeMed Vision Core Plus plan cards arrive
    within 2 to 3 weeks after enrollment

24
2011 Medical Plan Price Tags
  • Per Paycheck Price Tags are shown below for
    full-time colleagues Deductions are taken
    pre-tax on the remaining paychecks in the year
    (paid bi-weekly26 paychecks total per year)

25
2011 Dental and Vision Price Tags
  • Per Paycheck Price Tags are shown below for
    full-time colleagues Deductions are taken
    pre-tax on the remaining paychecks in the year
    (paid bi-weekly26 paychecks total per year)

26
Flexible Spending Accounts
  • Health Care Account
  • You may contribute up to 5,000 per year
    (pre-tax) under Aon Hewitts plan. The election
    you make will be spread over the remaining
    paychecks left in the year
  • You can receive tax-free reimbursement for
    eligible expenses not reimbursed under medical,
    dental, vision plans, or prescription medications
    for you and your family members
  • Expenses can be paid using Aon Hewitts YSA
    (Your Spending Account) debit card (with 150
    minimum goal amount)
  • Expenses under Aon Hewitts plan must be incurred
    from your hire date through December 31st and
    claims must be submitted by March 31st of the
    following plan year
  • Any unused balances are forfeited
  • Expenses must be for yourself, your spouse, or
    dependents that you provide at least 50
    financial support in order to be eligible
    (expenses for domestic partners are not eligible)
  • If you are participating in the Health Savings
    Account (Aetna HealthFund medical option), this
    plan is limited to dental and vision expenses

27
Flexible Spending Accounts (continued)
  • Dependent Care Account
  • You may contribute up to 5,000 per year (pretax)
    or 2,500 if marriedfiling separately (special
    rules apply if spouse earns less than 5,000 per
    year or is a full-time student)
  • If you were contributing to this plan through
    another employer, you cannot exceed 5,000 for
    the entire year so youll want to subtract
    year-to-date contributions from the 5,000 annual
    maximum and the difference is what you can elect
    under Aon Hewitts plan
  • You may change annual election amount if you have
    a qualified family status change during the year
    and the change is consistent with reason for
    change
  • Dependents must be a child under age 13 for whom
    you claim a dependency exemption, a disabled
    dependent or a disabled spouse
  • Expenses under Aon Hewitts plan must be incurred
    from your hire date through December 31st and
    claims must be submitted by March 31st of the
    following plan year
  • Any unused balances are forfeited

28
Flexible CreditsChoose Health Credits
  • Choose Health Credits are provided by completing
    a Health Risk Questionnaire (HRQ) and taking
    biometrics (blood tests) participation in the
    wellness program encourages and promotes healthy
    behaviors
  • Per Paycheck amounts are shown below
  • Based on 26 pay periods during the year
  • Youll receive the pay period credit amount on
    the remaining pay periods left in the year.

Part-time colleagues who have completed at least
3 months of service and are currently scheduled
to work 24 hours or more per week are eligible
29
Flexible CreditsChoose Health Credits (continued)
  • Completing the biometric testing is available in
    two ways
  • Make an appointment with an on-site clinic
    (Lincolnshire, The Woodlands, Orlando, or
    Charlotte)
  • Contact IHS at 800-840-6100 and request a "Test
    on Demand" kit. This kit will arrive at your home
    in five to seven days and will contain
    instructions on how to locate a local LabCorp
    site. There is no need for an appointment with
    LabCorp, as they are drop-in centers.
  • Getting to know your numbers (cholesterol,
    glucose, blood pressure, etc.) is the first step
    in your wellness program.

30
Life Insurance
  • Basic Life
  • Coverage provided up to 1 times your annual base
    pay (rounded to nearest 1,000)
  • Company-paid
  • Value of insurance over 50,000 subject to
    imputed income
  • Optional Life
  • You may purchase additional coverage in
    increments of up to 4 times your base pay (you
    pay after-tax)
  • After initial election (within 31 days of your
    hire date), can increase coverage one level at a
    time without Evidence of Insurability (EOI) for
    total coverage under 500,000 (anything over
    500,000 requires EOI and going from no coverage
    to coverage at a later date requires EOI)
  • Spouse Life Child Life
  • You may purchase up to 100,000 for
    spouse/partner (increments of 25,000)
  • Cannot exceed 50 of your total coverage (basic
    optional)
  • EOI applies to the 75,000 and 100,000 coverage
    levels
  • You may purchase up to 25,000 for dependent
    children (increments of 5,000)
  • You pay on an after-tax basis

31
Accidental Death Dismemberment Insurance
  • Accidental Death Dismemberment (ADD)
  • Coverage provided up to 1 times your annual base
    pay
  • Company-paid
  • Provides 24-hour protection not limited to work
    hours/activities
  • Optional ADD
  • You may purchase additional coverage for
    yourself, spouse/partner, and dependent
    child(ren) (you pay on an after-tax basis)
  • Optional coverage available for 1 to 6 times your
    annual base pay
  • Optional coverage for spouse/partner is 50 of
    your benefit
  • Optional coverage for dependent child(ren) is
    lesser of 20 of your benefit or 10,000
  • Be sure to designate a beneficiary for your Life,
    LTD and ADD coverage, and optional ADD, if
    purchased
  • Maximum coverage for Life and ADD is 2M for
    each plan

32
Group Legal Plan
  • Aon Hewitts Group Legal Plan provides access to
    network of attorneys through the Hyatt Legal
    Group. Services that colleagues use Hyatt Legal
    for are
  • Wills and Estate Planning
  • Real Estate Transactions (closing on a home)
  • Document Preparation
  • Traffic and Criminal Matters
  • Family Law
  • Debt Matters
  • Advice
  • Contact Hyatt Legal or review their web site for
    other services that may or may not be covered by
    the plan

33
Critical Illness Insurance
  • Purpose To help colleagues bridge the financial
    gap between what medical insurance may cover and
    additional expenses associated with six covered
    conditions Heart Attack, Cancer, Stroke, Kidney
    Failure, Major Organ Transplant, and Coronary
    Artery Disease
  • Benefits This insurance covers out-of-pocket
    expenses Medical and prescription drug copays
    and deductibles, out-of-network treatments,
    experimental/nontraditional treatment, travel for
    treatment, and child care/domestic help
  • 15,000 guaranteed issue for this initial level
    of coverage, if you enroll within 31 days of your
    hire date
  • Costs You pay the group rate premiums with
    convenient after-tax payroll deductions. MetLife
    will work with you to create a policy and quote
    you premium rates (these dont appear on the YBR
    web site)

34

Retirement and Savings Plan
35
Retirement and Savings PlanColleague
Contributions
  • You can elect to contribute up to 50 (combined
    pre-tax, Roth and post-tax) of your total
    eligible pay per paycheck to your 401(k) account
  • Pre-tax and Roth contributions are subject to a
    combined IRS limit of 16,500 in 2011
  • Age 50 or older? You may contribute an additional
    combined pre-tax and Roth catch-up contribution
    of 5,500 (requires separate election)
  • You can start, stop or change your contribution
    at any time
  • If youve contributed to a previous employers
    plan in 2011, subtract your year-to-date
    contributions to that plan from the 16,500
    annual limit in order to determine the maximum
    you can contribute to Aon Hewitts plan for
    pre-tax and/or Roth contributions
  • For catch-up contributions (if youre age 50 or
    older) subtract your year-to-date contributions
    from the 5,500 annual limit in order to
    determine the maximum you can contribute to Aon
    Hewitts plan
  • Aon Hewitt Matching Contributions
  • Aon Hewitt provides a dollar-for-dollar match
    when you contribute up to 6 of your total
    eligible pay on a pre-tax or Roth basis each
    paycheck
  • Matching contributions are 100 vested

36
Retirement and Savings PlanInvestment Options
  • Core Funds
  • Stable Value Fund
  • BlackRock U.S. Debt Index Bond Fund (BGI)
  • Hewitt Dodge Cox Balanced Fund
  • LSV Equity Fund
  • SP 500 Index
  • Hewitt Harbor Capital
  • Brandywine (Mid Cap)
  • CRM Small Cap Value
  • Hewitt Friess Small Cap Growth
  • Emerging Markets Portfolio
  • Euro Pacific Growth
  • Target Retirement Portfolio
  • 2010, 2020, 2030, 2040, 2050
  • Default Investmentall contributions will be
    invested in the appropriate Target Retirement
    Portfolio, unless you select your own investment
    options

37
Aon Hewitt Current Investment Options
Theoretical Risk/Return Spectrum
Small Cap
Friess Small Growth CRM Small Cap Value
Equity
International
Morgan Stan. Emerging Markets EuroPacific
Growth
Equity
Mid Cap
Brandywine
Equity
Large Cap
LSV Value Equity Vanguard SP 500
Index Harbor Capital Appreciation
Equity
Balanced / Target
Dodge Cox Balanced Hewitt Custom Target-Date
Portfolios
Expected Return
Fixed-Income
BlackRock U.S. Debt Index
Mny Mkt/ Stable Value
11 Core Funds
Stable Value Fund
Expected Risk (Standard Deviation)
38
Retirement and Savings PlanAdditional Information
  • You may rollover qualified distributions from
    other qualified plans
  • You can request a rollover form by logging onto
    the YBR web site, move your cursor over the
    Savings and Retirement tab and click on forms
    and materials or by calling the Benefits
    Resource Center
  • Automatic rebalancing of your investment
    elections is available and if elected, will be
    done quarterly If you invest in the Target
    Retirement Portfolios, they will automatically be
    rebalanced every quarterno action needed on your
    part
  • Automatic escalation feature allows you to
    increase your contribution rate on an annual
    basisavailable in one percent increments up to a
    maximum contribution rate you choose

39
Retirement and Savings PlanEnrollment
  • Enroll 1 of 2 ways
  • Online via Your Benefits Resources (YBR) website
    www.resources.hewitt.com/hewitt
  • By phone, via the Benefits Resource Center at
    1-888-2HEWITT (1-888-243-9488) representatives
    are available Monday - Friday 800 am to 430 pm
    CST
  • Basic steps to enroll
  • Click on the Start Saving Now button or move
    your cursor over the Savings and Retirement tab,
    and click on change contributions
  • Use the modeling tool and/or click on apply this
    contribution which brings you to the
    contribution page where your actual election is
    made
  • Choose the investment options for your
    contributions or keep the default (the
    appropriate Target Retirement Portfolio which
    provides a diversified mix of the investment
    options)
  • Designate your beneficiaries by clicking on
    beneficiaries

40

Time Off
41
Types of Time OffFull-time Colleagues
  • Vacation
  • 10 to 25 vacation days annually based on years of
    service (accrued monthly)
  • Hours provided the first of the following month
    of hire
  • Use it or lose it during the calendar year
  • Allowed to go negative up to the number of days
    eligible to receive during the year
  • Policy and Guidelines can be found in the
    Associate Resource Database

42
Vacation Days at Year-End
  • Vacation days cannot be carried into the new
    calendar year (use it or lose it) except where
    prohibited by state law
  • For colleagues in California, there are special
    provisions based on state law. For full-time
    colleagues Vacation accruals are capped at 37.5
    days
  • This means that once you accrue 37.5 days you
    will not accrue additional vacation until you use
    some of your accumulated time
  • For example, if you have 37.5 days accumulated,
    you will not accrue any additional vacation. If
    you take 5 days for vacation, you then have 32.5
    accumulated days and will begin accruing
    additional vacation until you once again reach
    the 37.5 day maximum
  • Up to 37.5 days can be carried into the following
    year
  • Please note Vacation used but not earned will
    be deducted from your final paycheck if you leave
    the company with a negative balance.

43
Types of Time OffFull-time Colleagues
  • Sick Time
  • 5 sick days awarded annually on January 1 for
    your or your childrens doctor appointments or
    minor sick time
  • During the first year of employment, eligible
    employees are granted sick time as follows

44
Sick Time
  • Sick days can be carried over every year, up to a
    maximum of 150 days
  • Sick days are intended to be used when an
    employee has an illness or injury which prohibits
    him/her from working. Sick time may also be used
    for the following reasons
  • Emergency treatment by physician or dentist
  • Pre-admission testing procedures at a hospital
  • Outpatient surgical procedures
  • Ongoing courses of treatment for chronic illness
    on an outpatient basis
  • Doctor or dentist visits
  • Care of an ill family member as defined below
  • Parent biological parent or an individual who
    stood in place of parent to an employee
  • Son or daughter a biological, adopted, or foster
    child, a stepchild, a legal ward or child of a
    person standing in place of a parent who is under
    18 years of age or 18 or older and incapable of
    self-care because of a mental or physical
    condition
  • Spouse husband, wife, including common-law where
    recognized by state law , and same sex domestic
    partner

45
Fixed Holiday Schedule
The office will be closed officially on
Aon provides 8 fixed holidays each year. Due to
client needs, Aon Hewitt will observe the 6
office closuredates above and add 2 days as
Personal Holidays (bringing that total to 6
Personal Holidays for Aon Hewittcolleagues).
46
Personal Holidays
  • Six Personal Holidays are provided each year
  • Distributed at the beginning of each quarter1.5
    days on January 1, April 1, July 1, October 1
  • For your first year of employment, youll receive
    the personal holiday on the first of the quarter
    after you join the company for example, January
    10th hires will receive 1.5 personal holidays on
    April 1 and each quarter thereafter
  • Personal holidays may not be carried into the
    following calendar year (use it or lose it) with
    the exception of employees residing in the state
    of California who can carry over up to 9 personal
    holidays
  • You can borrow up to the number of personal
    holidays you receive in a given year
  • Please note Personal Holidays used but not
    awarded will be deducted from your final paycheck
    if you leave the company with a negative balance.

47
Short-Term Disability (STD)
  • Company-paid benefit to help provide financial
    protection for a colleagues short-term
    disability due to illness or injury longer than 7
    days
  • Available for a qualified disability after a
    7-day waiting period
  • Short-Term Disability plan benefits (meeting
    medical certification requirements)
  • 100 of base pay for up to 7 weeks
  • 80 of base pay for balance up to a total 18
    weeks in a 12-month period
  • Maximum 180 calendar-day benefit within a rolling
    12-month period (includes STD waiting period)
  • Available to full-time and part-time colleagues
    scheduled to work 24 or more hours per week with
    at least 3 months of service
  • Policy and Guidelines can be found in the
    Associate Resource Database

48
Long-Term Disability (LTD)
  • Company-paid, insured benefit to help provide
    financial protection for a colleagues long-term
    disability due to illness or injury
  • Covers qualified disabilities after 180
    consecutive calendar days of Short-Term
    Disability six consecutive months (180 days)
  • Amount of benefit equals 60 of pre-disability,
    monthly base pay (cannot exceed 10,000 per
    month)
  • LTD benefits may be payable up to 2 years with
    continued medical evidence of disability from
    regular occupation
  • Beyond 2 years, benefits may be payable with
    continued medical evidence of disability if also
    unable to perform duties of any comparable job
    for which you are qualified (unless the benefit
    maximum has otherwise been reached)
  • Available to full-time and exempt part-time
    colleagues scheduled to work 24 or more hours per
    week with at least 3 months of service
  • Additional information can be found in the Health
    and Welfare Plan SPD located on Your Benefits
    Resources (YBR) Web site

49

Additional Benefits
50
Additional Benefits
  • Tuition ReimbursementAon Hewitt provides up to
    5,000 per year (reimbursement at 85 of approved
    tuition, fees and books) for regular, full-time
    colleagues (available on courses starting after
    one year of service)
  • Transit Incentive Program (TRIP)Colleagues using
    public transportation may set aside pretax funds
    to pay for expenses
  • Group InsuranceAuto, home, boat, and personal
    property insurance available through MetPay at
    group rates
  • Colleague DiscountsDiscounts provided online
    through Abilizer to hundreds of retailers i.e.,
    CDW, Dell, IBM, some theatres and more
  • LifeCareConfidential resource referral
    services to help research various topics and
    manage personal situations
  • Back-up Child CareGives you access to a network
    of licensed, high quality child care centers in
    the areas where you live and work. Program
    through LifeCare allows up to 10 days a year 10
    copay required
  • Additional information can be found in the
    Associate Resource Database

51
Additional Benefits (continued)
  • Adoption BenefitProvides up to 5,000 for
    eligible expenses per successful adoption to help
    offset costs (maximum 10,000 per year)
    available after one year of service
  • Paid Parental TimeNew parents (birth, adoption,
    or surrogacy, both father, domestic partner, and
    mother) are provided one week of Paid Parental
    Time for any birth or adoption. This time is
    separate from the regular Paid Time Off (PTO)
    program.
  • Associate Assistance Program (AAP)Provides
    confidential counseling for colleagues and their
    dependents in times of need
  • Long-Term Care Insurance PlanProvides benefits
    when you need assisted care for an extended
    period of time to maintain or promote functional
    well-being If you enroll within 31 days of your
    hire date, evidence of insurability is waived for
    you as an active colleague (spouses, parents,
    etc., will need to furnish a health statement)
  • Additional information can be found in the Health
    Welfare Plan SPD located on Your Benefits
    Resources (YBR) web site (Paid Parental Time is
    located on the Associate Resource database)

52
Additional Benefits (continued)
  • Overnight Pet CareExpense reimbursement for
    certified pet care or boarding needed during
    business travel for Aon Hewitt
  • Overnight Sick Dependent CareFinancial
    assistance when extra care is needed due to your
    business travel or your dependents illness
  • Choose Health Wellness ProgramYou and your
    dependents have access to a wide variety of tools
    and resources including online health coaching, a
    24/7 nurse help line, and telephonic health
    coaching for certain medical conditions such as
    diabetes, COPD, CAD, asthma, etc. This is a free
    and confidential service run by a third-party
    vendor
  • On-site Choose Health Wellness Centers (Specific
    locations only)Aon Hewitt has a confidential
    (run by third-party vendors) on-site health
    clinic and pharmacy at its largest location in
    Lincolnshire, IL and an on-site health clinic in
    The Woodlands, TX Orlando, FL and Charlotte, NC
    . Aon Hewitt is committed to providing you with
    easy, confidential, and convenient access to
    health care at the office
  • Additional information can be found in the Health
    Welfare Plan SPD located on Your Benefits
    Resources (YBR) Web site

53
Additional Benefits (continued)
  • Pet InsuranceFinancial support for your
    household pets Veterinary Pet Insurance covers
    medical care for your dogs, cats, birds, ferrets,
    rabbits, reptiles, and other exotic pets
  • Stop Smoking PlanFinancial support when you,
    your spouse/partner, or child(ren) decide to quit
    smoking For an approved smoking cessation
    treatment, Aon Hewitt will pay 100 of the cost
    incurred for a program to which a commitment has
    been made to follow
  • Participant AdvocacyTo remove the burden from
    colleagues when needing to navigate health care
    claims issues or providing education that
    empowers colleagues to be better health care
    consumers.
  • Personal Finance Center (PFC)Aon Hewitt provides
    services for managing IRAs, selecting and setting
    up 529 accounts, selecting financial advisors and
    variety of financial education seminars
  • Matching GiftUp to 500 per year per colleague
    for contributions to public or private secondary
    or university
  • Additional information can be found in the Health
    Welfare Plan SPD located on Your Benefits
    Resources (YBR) Web site

54

Resources
55
Who to Contact

  • Benefits Resource Center (BRC) representatives
    can be reached from 800 a.m. to 430 p.m. CST,
    Monday through Friday, at 1-888-2HEWITT
    (1-888-243-9488)
  • Participant Advocacy representatives can be
    reached at 888-622-1200 and are available Monday
    through Friday from 7 a.m. to 6 p.m. CST
  • Your Benefits Resources (YBR) Web site
    www.resources.hewitt.com/hewitt is available 24
    hours a day, 7 days a week and is only down for a
    few hours on Sundays for maintenance

56
Who to Contact (continued)
Medical Plans (continued) Kaiser HMO (GA CA) GA
residents use Group 4290 Southern CA residents
use Group 118450 unit 0000 Northern CA
residents use Group 34470 unit
0000 1-800-464-4000 http//www.kp.org OptumHealth
Behavioral Solutions (Aetna, BCBS, UHC)
Group 229073 1-800-955-7972 http//www.liveandwor
kwell.com
  • Medical Plans
  • BCBS PPO Group 264510
  • 1-877-894-6257
  • http//www.bcbsil.com
  • Aetna HealthFund with HSA Group 800322
  • 1-800-682-9020
  • http//www.aetna.com
  • Additional information on how the HSA works is
    located on the Plan Information page on YBR web
    site.
  • UHC EPO Group 708697
  • 1-877-462-5061
  • http//www.myuhc.com

57
Who to Contact (continued)
Prescription Drug Plan CVS Caremark
(prescription coverage for Aetna, BCBS UHC)
Group 10200 1-866-623-1438 http//www.caremark.c
om Dental MetLife Group 102743 1-800-942-0854 h
ttp//www.metlife.com/mybenefits Group 135491
for states GA, TX, MT, AL, MA CIGNA Dental HMO
3333641 1-800-244-6224 http//www.CIGNA.com
Vision EyeMed Vision Core Exam 9797107 Vision
Core Plus Plan 9797119 1-866-800-5457 http//www.
eyemedvisioncare.com Payroll 1-888-243-9488,
speak HR and Payroll from the main menu
58
Who to Contact (continued)
  • Group Legal Plan
  • Hyatt Legal Plan
  • 1-800-821-6400
  • www.legalplans.com (enter password 1500194)
  • Spending Accounts
  • Your Spending Account
  • Telephone - 1-888-243-9488
  • Fax 1-888-211-9900
  • Abilizer (conveniences discounts)
  • http//www.hewitt.corporateperks.com
  • User Name Associate ID
  • Password Hewitt

Associate Assistance Program OptumHealth
Behavioral Solutions 1-800-955-7972 http//www.liv
eandworkwell.com LifeCare 1-888-604-9565 http//w
ww.lifecare.com code Hewitt MetLife Critical
Illness, VPI Pet Insurance, MetPay 1-800-GET-MET8
(1-800-438-6388)
59
Who to Contact (continued)
  • Choose Health Wellness Program
  • 24/7 Nurse Line/Health Coaching
  • 1-877-245-1966
  • Lincolnshire Wellness Center
  • 1-866-681-1270
  • Lincolnshire CVS CarePlus Pharmacy
  • 1-847-793-0936
  • The Woodlands Wellness Center
  • 1-281-825-5771
  • The Woodlands CVS CarePlus Pharmacy
  • 1-281-364-7277
  • Orlando Wellness Center
  • 1-407-965-3266
  • Orlando CVS CarePlus Pharmacy
  • 1-407-243-5277
  • Charlotte Wellness Center
  • 1-704-746-9866

Long Term Care Plan John Hancock 1-888-513-2072 ht
tp//hewittLTC.jhancock.com Username hewittLTC
(case sensitive) Password mybenefit (case
sensitive) Life Insurance Plan MetLife Group
97980 Evidence of Insurability 1-800-638-6420,
Prompt 1 Absolute Assignments Call the BRC to
obtain a form at 1-888-2HEWITT
60
Disclosure
  • This information is designed to give you an
    overview of Aon Hewitts benefit programs. If
    there are discrepancies between this material and
    summary plan documents, the summary plan
    documents will govern.

61
Aon Hewitt Password Notice
  • This statement confirms your access to your
    accounts and benefits under the Aon Hewitt plans
    available through the Benefits Resource Center
    and automated or electronic communications.
  • When you access your benefits, you will be asked
    to enter
  • Your User ID
  • A permanent Password  of your choice
  • Both your User ID and Password are required to
    access your personalized benefit information. If
    you lose or forget your Password, you will not be
    able to access your information until you request
    and receive a new Password in the mail.
  • It is important that you carefully read the
    Authorization Agreement below before you use your
    Password or Security Answers. This Authorization
    Agreement, which is a legal agreement between you
    and Aon Hewitt, makes it possible for Aon Hewitt
    to offer you easy and convenient access to your
    benefit plans. By using your Password or Security
    Answers, you agree to be bound by the terms of
    the Authorization Agreement.
  • Authorization Agreement
  • I understand that when I use my Password or
    Security Answers, I may access and effect changes
    to my accounts and benefits under the Aon Hewitt
    plans. By using my Password or Security Answers,
    I authorize use of my Password or Security
    Answers to execute the activities I request for
    which I may be eligible under the Aon Hewitt
    plans.

62
Aon Hewitt Password Notice (continued)
  • I also authorize Aon Hewitt to execute account
    activities that may affect my benefit payments or
    payroll deductions that are consistent with my
    requests for these activities made through the
    Benefits Resource Center or automated or
    electronic communications using my Password or
    Security Answers. As any plans are restated,
    amended, or adopted by Aon Hewitt, by using my
    Password or Security Answers, I authorize use of
    my Password or Security Answers for those plans
    for which I may be eligible.
  • I understand that I am responsible for reviewing
    any confirmation statements sent to me regarding
    requests I have made through the Benefits
    Resource Center or automated or electronic
    communications and that I should immediately
    contact Benefits Resource Center if there are any
    inaccuracies in these statements.
  • I understand that I am responsible for the
    safeguarding of my Password and Security Answers
    and that if I share my Password or Security
    Answers with others, they may access and effect
    changes to my accounts and benefits. Therefore, I
    will change my Password and Security Answers as I
    deem appropriate and will contact Benefits
    Resource Center if I am concerned about the
    potential misuse of my Password or Security
    Answers.
  • For More Information
  • If you need additional information, please access
    our benefit Internet site via The Source or
    connect to the URL https//resources.hewitt.com/h
    ewitt. You may also call the Benefits Resource
    Center at 1-888-2hewitt (1-888-243-9488), or
    speed call 450. In order to access your benefits
    information, you will need to have your User ID
    and your password. Benefits Resource Center
    Representatives are available between 8 a.m. and
    430 p.m., Central time, Monday through Friday.

63
Special Enrollment Rights Notice
  • If you are declining enrollment for yourself or
    your dependents (including your spouse) because
    of other health insurance coverage, you may in
    the future be able to enroll yourself or your
    dependents in this plan, provided that you
    request enrollment within 30 days after your
    other coverage ends. In addition, if you have a
    new dependent as a result of marriage, birth,
    adoption, or placement for adoption, you may be
    able to enroll yourself and your dependents,
    provided that you request enrollment within 30
    days after the marriage, birth, adoption, or
    placement for adoption.
  • Also, effective April 1, 2009, if 1) you or your
    dependent become eligible for state-granted
    premium assistance or 2) you or your dependent's
    health coverage under a state's Medicaid or a
    State Children's Health Insurance Plan (CHIP) is
    terminated as a result of loss of eligibility for
    coverage, you may be able to enroll you and your
    eligible dependents in this plan provided that
    you request enrollment within 60 days after the
    date you are determined to be eligible for a
    state granted premium assistance program or 60
    days after the date of coverage termination under
    Medicaid or CHIP, as applicable.
  • In all cases, you and your dependents must be
    otherwise eligible to enroll in the plan.
  • To request special enrollment or obtain more
    information, please contact the Benefits Resource
    Center (BRC) at 1-888 2HEWITT (1-888-243-9488)
    with any questions. When you call, choose Health
    Care, then Review or Change Coverage. BRC
    representatives are available to speak with you
    Monday through Friday 800 a.m. to 430 p.m. CST.

64
Womens Cancer Coverage
  • Through the Womens Health and Cancer Rights Act,
    all the medical plan options provide coverage for
    mastectomy-related services including
    reconstruction and surgery to achieve symmetry
    between the breasts, prostheses, and
    complications resulting from a mastectomy
    (including lymphedema). For details about the
    mastectomy-related services, contact your medical
    plan directly.

65
Aon Hewitt Safe Harbor Notice
  • Continuing for 2011, a safe harbor plan design
    was elected for the Hewitt Associates Retirement
    and Savings Plan (the RSP). As a safe harbor
    plan, generally the RSP is deemed to have
    automatically met certain nondiscrimination tests
    because the RSP (1) provides a safe harbor
    matching contribution on behalf of all eligible
    employees and (2) provides you with this Notice
    describing your rights and obligations under the
    RSP.
  • Safe Harbor Matching Contribution. Currently,
    eligible employees may make before-tax 401(k)
    contributions to the Plan. Beginning in 2009,
    eligible employees will also be able to make Roth
    401(k) contributions (a type of after-tax
    contribution) to the Plan. Aon Hewitt (the
    Company) will make a matching contribution
    equal to one hundred percent (100) of the first
    six percent (6) of a participants total
    eligible earnings that are deferred under the
    Plan on a before-tax, Roth 401(k), Catch-up, or
    Excess Flexible Credit basis (before-tax and Roth
    401(k) contributions are referred to in this
    Notice as 401(k) Contributions).
  • For purposes of determining the amount of the
    safe harbor match, your total eligible earnings,
    in general terms includes salary, overtime,
    certain net commissions, renewals, overrides and
    bonuses. Before-tax premium deductions and
    contributions to flexible spending accounts do
    not affect your compensation for plan purposes.
    Compensation excludes fringe benefits, not
    normally included in cash compensation, special
    bonuses, prizes, compensation deferrals to
    non-qualified plans and any deferred commission
    payments. Further, your eligible earnings for
    Plan purposes is limited to the Internal Revenue
    Code of 1986, as amended, (the Code) annual
    maximum (245,000 for 2011), and may be deferred
    only within the percentage and maximum
    limitations explained below.

66
Aon Hewitt Safe Harbor Notice (continued)
  • 401(k) Contributions. Eligible employees may
    elect to defer, on a combined before-tax and Roth
    401(k) basis, a total amount not less than one
    percent (1) and not more than fifty percent
    (50) of eligible pay subject to the annual limit
    imposed by the Code (this limit is 16,500 for
    2011, 22,000 if the individual has attained age
    50 prior to the close of the 2011 calendar year).
    The additional contributions that are permitted
    for those who have attained age 50 prior to the
    close of the 2011 calendar year are known as
    catch-up contributions.
  • Other Contributions Possible Under the RSP. In
    addition to 401(k) Contributions and the safe
    harbor matching contribution, employees may make
    after-tax employee contributions that are not
    Roth 401(k) contributions (After-Tax Employee
    Contributions) and, under certain circumstances,
    may make rollover contributions from another
    employer plan or IRA to the Plan. Please note
    that After-Tax Employee Contributions that are
    not Roth 401(k) contributions are not matched.
    After-tax Employee Contributions also count
    towards the fifty percent (50) limit described
    in the preceding paragraph.
  • Method of Making Deferral Elections. Each
    eligible employee (as defined by the RSP) may
    generally contribute to the RSP as of the first
    day of employment. To make a 401(k) Contribution
    election, you must log into Your Benefits
    Resources web site at http//resources.hewitt.co
    m/hewitt or call the Benefits Resource Center at
    1-888-2HEWITT (1-888-243-9488) and elect the
    amount or percentage of your eligible pay that
    you wish to defer or contribute, along with the
    investment vehicle(s) in which you wish for these
    amounts to be invested under the RSP.

67
Aon Hewitt Safe Harbor Notice (continued)
  • Times During Which Deferral/Contribution
    Elections May be Made. You may make an election
    to make 401(k) Contributions in accordance with
    the paragraph above at any time upon meeting the
    RSPs eligibility requirements. Such election
    will be effective as soon as administratively
    practicable.
  • Withdrawal and Distributions. The amount of your
    RSP account balance (including 401(k)
    Contributions, and the safe harbor matching
    contributions and any Company non-elective
    contribution), generally may not be withdrawn at
    any time prior to the occurrence of one or more
    of the following events
  • Your retirement, death, disability, or
    termination of service with the Company
  • Your attainment of age 59 ½ with at least 5 years
    of vesting service (as determined in accordance
    with the RSPs provisions).
  • However, upon the occurrence of a hardship (as
    determined in accordance with the RSPs
    provisions), you generally may withdraw all or a
    portion of your vested account balance other
    than (1) amounts you have borrowed as a loan
    from your RSP account (2) any earnings on 401(k)
    Contributions and (3) the matching contributions
    made after 2005. In addition, Company
    non-elective contributions and prior plan money
    purchase pension accounts are not available for
    hardship withdrawal.
  • You also may withdraw all or a portion of your
    account balance attributable to rollovers or
    After-Tax Employee Contributions at any time.
    Additionally, you may borrow against your vested
    RSP account balance in certain circumstances and
    up to certain limits, in accordance with the
    RSPs loan procedures.

68
Aon Hewitt Safe Harbor Notice (continued)
  • In all cases, withdrawals will be made in
    accordance with the term of the RSPs legal plan
    documents.
  • Vesting. You always are one hundred percent
    (100) vested in all amounts attributable to your
    401(k) Contributions, After-Tax Employee
    Contributions and the safe harbor matching
    contributions made on your behalf under the RSP.
    Other amounts in your RSP account including the
    Company non-elective contributions and amounts
    attributable t