benefits enrollment guide · 2020. 11. 5. · questions about your enrollment, and we’ll do our...

BENEFITS ENROLLMENT GUIDEFull-time Employees

2021

Here’s where to find ...2021 Employee Benefits Program ........................ 3

Medical Insurance ................................................ 5

Dental Insurance ................................................ 10

Vision Insurance ................................................. 11

TRICARE Supplement Insurance ....................... 11

Flexible Spending Accounts (FSA) ..................... 12

Employee Assistance Program (EAP) ................ 14

Life and Disability ............................................... 14

Voluntary Benefits............................................... 17

Employee Discounts ........................................... 20

Additional Benefits .............................................. 21

Frequently Asked Questions / Glossary ............. 23

Contacts ............................................................. 25

WELCOME TO YOUR BENEFITS!

Salient CRGT appreciates your commitment to our success. We’re 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 benefit plans. We understand that you may have questions about your 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. You can access our online benefits communication and enrollment system via www.mysalientcrgtbenefits.com at anytime. During working hours you can also contact the Benefits Department. This guide is intended as an overview of benefits; for complete information about the plans available to you, please see the summary plan description (SPD).

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2021 Employee Benefits Program Salient CRGT is dedicated to providing employees with a competitive, cost-effective and comprehensive benefits package. Your benefit offerings are designed to provide you and your family with benefit solutions that help you stay healthy, feel secure and maintain a work/life balance.

The following benefit plans are available to you:

� Medical and Prescription Drug

� Dental

� Vision

� Basic Life & Accidental Death & Dismemberment

� Supplemental Term Life Insurance

� Supplemental Accidental Death & Dismemberment Insurance

� Short-Term Disability

� Long-Term Disability

� Hospital Indemnity Insurance

� Critical Illness Insurance

� Accident Insurance

� Whole Life Insurance

� Business Travel Accident Plan

� Flexible Spending Accounts

� Commuter/Transit Account

� TRICARE Supplement Insurance

� 401(k) Retirement Plan

� Employee Assistance Program

� Paid Time Off

� Holiday

� Education Assistance Program

� College 529 Plan

� Employee Referral Program

� Northwest Federal Credit Union

How to Enroll

SalientCRGT is pleased to provide our employees an internet-based employee benefits communication and enrollment system. SmartBen enables you to explore and understand the range of benefits and HR programs offered by Salient CRGT. SmartBen will educate you, help you plan, and enroll in benefits anywhere you have an Internet connection.

Your user name is SCRGT plus your six digit employee ID number. Your employee ID number can be located on your paystub. Your password is your eight digit date of birth with no dashes. Example:

UserID: SCRGT000123 Password: 09151970

You can also access SmartBen by using our single sign on platform Okta at https://salientcrgt.okta.com

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2 0 2 1Salient CRGT Benefits Guide

Changing Your Benefit Elections

Once you have made your benefit elections, you may not change them until the next annual open enrollment period unless you experience a qualifying mid-year event. Open Enrollment occurs each fall, and changes are effective the following January 1st. Qualifying events include, but are not limited to, marriage, divorce, legal separation, birth, adoption, and employment status change. All changes must be submitted to the Salient CRGT Benefits Department within 31 days of the qualifying status change.

SmartBen Library/Homepage

SmartBen is our online enrollment tool that allows you to take charge of the experience. The site is accessible 24 hours a day, seven days a week by logging into https://salientcrgt.okta.com and using your Salient CRGT network ID and password. You will then need to enter your Okta Verify passcode. Once you log in, you will see the SmartBen icon. The site is also accessible through the internet by logging into www.SmartBen.com.

Benefits Microsite with Text Alerts

We launched a microsite, www.mySalientCRGTBenefits.com, for our benefits communications accessible by all devices with the capability to enroll in text alerts. You will never miss an update again! To register, text SalientCRGT to 313131.

When Is My Coverage Effective?

Elections and changes made during Open Enrollment will be effective January 1, 2021. If you are a new hire, elections are effective on the first of the month following your date of hire; if your hire date is the first of the month they are effective the same day.

Eligible Dependents

If approved, eligible family members include;

� Your legal spouse � Dependent children up to age 26, regardless of student status

� Children beyond the age of 26 who are incapable of self-support due to physical or mental disability

Dependent Eligibility Verification

Be prepared to provide documentation verifying your dependents eligibility. Failure to provide the requested documentation within the specified time frame may result in your dependent being removed from the plan.

� Proof of marital status – Marriage certificate and most recent tax return

� Proof of child – Birth certificate, adoption paperwork, legal guardianship document

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MEDICAL INSURANCE At Salient CRGT your continued health is important to us. Our goal is to provide you with meaningful choices to fit your needs while ensuring you have access to quality and affordable care. Salient CRGT offers a high deductible health plan that rewards good health with lower paycheck deductions and tax-favored savings. We also offer an enhanced PPO plan with a traditional co-pay structure for cost certainty at the doctor as long as you stay in network. Each plan has the same underlying network of providers and health management programs from Cigna.

The two plans offered through Cigna are as follows:

PLAN NAME DEDUCTIBLE LEVEL OUT OF POCKETCigna Enhanced (PPO) Plan $1,000 per person

$2,000 Family for the deductible$3,500 per person

$7,000 Family (2 or more)Cigna Basic (HSA) Plan $2,000 Individual

$4,000 Family (2 or More)$4,000 Individual

$8,000 Family (2 or more)

WHAT IS A MEDICAL DEDUCTIBLE

A deductible is the dollar amount that a covered employee must pay out of pocket each calendar year before the plan shares in the cost of non-preventative and pharmacy expenses. Your annual deductible amount depends on who you cover and in which plan you enroll.

� In the Enhanced (PPO) Plan, each eligible family member meets his or her individual deductible until the family deductible is met.

� In the Basic (HSA) Plan, all eligible family members contribute towards the family plan deductible.

Example: If you are enrolled in the PPO plan, each individual family member would only be responsible for $1,000 towards their deductible, until the full family deductible of $2,000 is met.

If you are enrolled in Employee + 1 Child coverage under the Basic (HSA) plan, you must meet the entire $4,000 family deductible before any eligible medical or pharmacy expenses are paid by the plan. Expenses incurred by you and/or your dependent child count toward the $4,000 deductible.

HEALTH SAVINGS ACCOUNT

Combined with the Basic (HSA) Plan, you can elect to open an Health Savings Account (HSA) offered through CIGNA and HSA Bank. This account allows you to set aside money on a pre-tax basis to pay for your current healthcare expenses or to save for your future health needs.

2021 IRS HSA CONTRIBUTION LIMITSEmployee Contributions Employee $3,600 Family $7,200HSA Catch-Up Contributions (Age 55 or older) $1,000

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Please note that if you enroll in the Basic (HSA) Plan and are also enrolled in another healthcare plan outside of Salient CRGT, you are not eligible to make HSA contributions. Other health plans include medicare, tricare, spouse’s general health FSA.

SALIENT CRGT MEDICAL PLAN ELECTION ELIGIBLE FOR HSACigna PPO Plan NoCigna HSA Plan YesDecline Salient CRGT Medical NoCigna HSA Plan AND a Medical Plan with another provider (TRICARE, Spouse’s plan, Medicare)

No

ENHANCED (PPO) PLAN BASIC (HSA) PLAN In-Network Out-of-Network In-Network Out-of-Network

Deductible (Employee / Family) $1,000 / $2,000 $1,500 / $3,000 $2,000 / $4,000 $3,500 / $7,000

Out-of-Pocket Max (Employee / Family) $3,500 / $7,000 $6,000 / $12,000 $4,000 / $8,000 $7,000 / $14,000

Coinsurance 20% 30% 20% 30%Office VisitsPreventive Covered at 100% Ded & Coin. Covered at 100% Ded & Coins.Primary Office $25 copay Ded & Coin. Ded & Coins. Ded & Coins.Specialist Office $45 copay Ded & Coin. Ded & Coins. Ded & Coins.Hospital FacilityInpatient Ded & Coin. Ded & Coin. Ded & Coins. Ded & Coins.Outpatient Ded & Coin. Ded & Coin. Ded & Coins. Ded & Coins.Emergency Room $150 copay $150 copay Ded & Coins. Ded & Coins.Mental HealthInpatient Ded & Coin. Ded & Coin. Ded & Coins. Ded & Coins.Outpatient $25 copay. Ded & Coin. Ded & Coins. Ded & Coins.Pharmacy (Retail)Generic $10 copay Ded & Coins. (Max of $30)Formulary $30 copay Ded & Coins. (Max of $60)Non-Formulary $50 copay Ded & Coins. (Max of $100)Employer HSA Contribution N/A None

2021 BI-WEEKLY MEDICAL CONTRIBUTIONS

TIER PPO PLAN HSA PLANEmployee Only $98.27 $60.12Employee + Spouse $270.25 $167.06Employee + Child(ren) $221.12 $136.69Family $368.53 $227.82

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CIGNA ResourcesMYCIGNA.COM

When you enroll in a Cigna health plan, you also gain access to myCigna.com. Each section of this personalized site offers an easy way to review your plan. You can manage your claims and HSA account balance (if eligible), find providers in your area, research costs for procedures and find ways to help manage your health conditions and prescriptions.

MYCIGNA MOBILE APP

On the go? Not a problem, you can download the free smartphone mobile app to access your information on demand. You can view ID card information, account balances, claims, search providers and compare prescription costs. Everything is presented in real-time, offering you accurate, up to date information.

Cigna One Guide

Call a Cigna One Guide representative during preenrollment to get personalized, useful guidance. Your personal guide will help you:

� Easily understand the basics of health coverage

� Identify the types of health plans available to you that best meet the needs of you and your family

� Check if your doctors are in-network to help you avoid unnecessary costs

� Get answers on any other questions you may have about the plans or provider networks available to you

Your Cigna One Guide representative will be there to guide you through the complexities of the health care system, and help you avoid costly missteps. Our goal is a simpler health care journey for you and your family.

Cigna One Guide service provides personalized assistance to help you:

� Resolve health care issues

� Save time and money

� Get the most out of your plan

� Find the right hospitals, dentists and other health care providers in your plan’s network

� Get cost estimates and avoid surprise expenses

� Understand your bills

Call 1-888-806-5042 to speak with a Cigna One Guide representative.

New ID Cards will be sent for 1/1/2021. You need to

present your new ID card at the pharmacy when filling a

prescription.

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Health Management Programs TELEMEDICINE – MDLIVE

Telemedicine is an alternative to Urgent Care or Emergency Room visits for you and your family members that may save you money and time. Telehealth uses information technology and telecommunications to provide clinical healthcare without having to travel to a physician’s office, hospital or clinic. If you experience a life threatening, emergency situation, you should call 911.

MDLIVE is a telemedicine program offered through Cigna that enables you to get the care you need for a wide range of minor, medical conditions including most prescriptions. MDLIVE provides on-demand 24/7/365 access to non-urgent health care through a national network of licensed, board certified U.S. based doctors and pediatricians.

You can talk with a physician by phone or online video without having to leave home or work. The cost of services can be applied to your deductible. Cigna members can register by going to their website and setting up an account. After you complete a medical history form, you can download the vendor app to your smartphone or mobile device. To visit with a telehealth physician at MDLive, go to MDLIVEforCigna.com.

DIABETES MANAGEMENT - LIVONGO

Livongo is a benefit program that makes living with diabetes easier. This program is available to employees and their eligible dependents who are enrolled in one of the Salient CRGT medical plans and have diabetes at no cost. Livongo empowers people with diabetes with the information, connections, and resources they need to live healthier and better lives.

The certified diabetes team is available 24/7/365 to support our members when needed. Livongo’s smart cloud, real-time engine monitors, interprets and predicts anticipating events which creates opportunities for timely interactions. To learn more about this program, visit the website at: welcome.livongo.com/salientcrgt.

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Prescription Drug PlanSalient CRGT offers a prescription drug plan through Cigna. The chart below outlines your Cigna prescription drug benefits. Your participating pharmacy will have a list of generic, preferred, and non-preferred drugs for your reference. You can also download the MyCigna app on your mobile device to view prescription drug list and associated cost. Per IRS guidelines, under the Basic (HSA) Plan charges for eligible prescriptions go towards the annual medical deductible. Once the deductible has been met, the plan will pay as outlined below.

CIGNA PRESCRIPTION DRUG COVERAGEEnhanced (PPO) Plan Basic (HSA) Plan

Retail Benefit Maximum (30-day supply)Generic $10 copay Ded & Coins. (Max of $30)Formulary $30 copay Ded & Coins. (Max of $60)Non-Formulary $50 copay Ded & Coins. (Max of $100)Retail or Cigna Home Delivery Maximum (90-day Supply)Generic $20 copay Ded & Coins. (Max of $75)Formulary $60 copay Ded & Coins. (Max of $150)Non-Formulary $100 copay Ded & Coins. (Max of $250)

Preventive Drugs covered at 100% in-network

MAIL ORDER PRESCRIPTION DRUG PLAN

The Cigna mail order prescription drug program is a simple, secure and convenient way to have your maintenance prescription drugs delivered to your home. Below are some of the advantages to participating in the mail order drug program:

� You may receive up to a 90-day supply of your maintenance prescription drugs. � You no longer have to make monthly trips to the pharmacy for prescription refills. � Having a 90-day supply of your prescription is convenient when planning vacations or extended travel time.

� Enrolling in the program is fast and easy.

AUTOMATIC PRESCRIPTION REFILLS

Employees that utilize Cigna Home Delivery can now elect to have certain maintenance medications refill automatically through this new program. Employees choose the eligible medications they want to enroll and manage through the automatic refill program. A valid email address is required so that Cigna can send out reminders about the upcoming refill. This will also allow employees to update mailing addresses, modes of payment, or to set a different date for the medication to be delivered. Enrollment can be done online at www.mycigna.com or by calling 1-800-Cigna24.

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CHOOSING BETWEEN GENERIC AND BRAND NAME PRESCRIPTION DRUGS

When choosing a prescription drug, you and your doctor should discuss whether a lower-cost prescription drug, such as a generic, could provide the same results as a more expensive prescription drug. Choosing a generic drug can be an excellent way to lower your overall prescription drug costs without sacrificing the quality and effectiveness of your prescription drugs. If you choose a brand name drug instead of a generic, your overall cost will be higher.

SPECIALTY MEDICATION

To ensure the highest level of service for members with complex medication requirements, all specialty drugs must be ordered through the Cigna Specialty Rx Program. Contact Cigna Pharmacy for more information.

DENTAL INSURANCE Salient CRGT offers two dental program options for you and your covered family members through Cigna Dental. You may choose any dental care provider; however, your benefits will be enhanced by using an in-network provider.

CIGNA DENTALBenefit Enhanced Plan Basic PlanCalendar Year Deductible - Employee $50 $50 Calendar Year Deductible - Family* $150 $150 Individual Annual Maximum $2,000 $1,000 Lifetime Orthodontic Maximum (per person) $2,000 No Orthodontic Coverage

Diagnostic / Preventive Services Plan pays 100% Plan pays 100%Basic Services Plan pays 80% Plan pays 70%Major Services Plan pays 60% Plan pays 50%Orthodontia Services (Children/Adult) Plan pays 50% up to $2,000 Not Covered

*Family deductible applies to plus one or more dependents.

2021 BI-WEEKLY DENTAL CONTRIBUTIONS

TIER EMPLOYEE CONTRIBUTIONEnhanced Plan Basic Plan

Employee Only $11.02 $7.92Employee + Spouse $21.36 $15.36Employee + Child(ren) $27.90 $20.06Family $38.59 $27.75

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VISION INSURANCE Salient CRGT offers a vision program for you and your covered family members through EyeMed. You may choose any vision care provider, but your benefits will be enhanced if you choose a provider from the EyeMed provider network.

SERVICE BENEFITEnhanced Plan Basic Plan

Routine Vision Exams $10 copay, one exam every 12 months

$10 copay, one exam every 12 months

Lenses $25 copay, one set every 12 months $25 copay, one set every 12 monthsFrames $0 copay, one set every 12 months $0 copay, one set every 24 monthsContact Lenses Up to $200 Up to $130

2021 BI-WEEKLY VISION CONTRIBUTIONS

TIER EMPLOYEE CONTRIBUTIONEnhanced Plan Basic Plan

Employee Only $3.54 $1.98 Employee + Spouse $7.09 $3.96Employee + Child(ren) $7.59 $4.24Family $12.13 $6.78

TRICARE SUPPLEMENT INSURANCE Employees who are under age 65 and currently enrolled in the Defense Enrollment Eligibility and Reporting System (DEERS) have the option of a TRICARE Supplement Plan. As a participant, you will file your claim with your individual TRICARE insurance plan first and then with the Supplement Plan. Between your core TRICARE coverage and TRICARE Supplement coverage, 100% of eligible expenses are covered with a low plan deductible and no out-of-pocket expense. The coverage is portable upon termination of employment, and continued premium payments will be made directly to the TRICARE Supplement Plan Administrator. To determine if you are DEERS eligible or for more information, please visit http://tricare.mil/mybenefit/.

LEVEL OF COVERAGE BI-WEEKLY PREMIUMEmployee or Spouse or Child Only $31.15Employee Plus Spouse $61.15Employee or Spouse Plus Child(ren) $61.15Employee Plus Family $82.38

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FLEXIBLE SPENDING ACCOUNTS (FSA) The healthcare and dependent care flexible spending accounts allow you to pay for certain IRS approved expenses. You pay no federal or state income taxes on the money you place in an FSA. Healthcare and Dependent Care claims may be incurred from January 1, 2021, through March 15, 2022.

If you are enrolled in the HSA plan, you will have your HSA to pay for out-of-pocket medical, dental, or vision expenses. A limited purpose healthcare flexible spending account is also available to pay for any out-of-pocket dental and vision expenses. If you would like to preserve your HSA for future expenses, you may want to consider enrolling in a limited purpose FSA. If you are not enrolled in the HSA plan, you may enroll in the traditional health care flexible spending account which covers out-of-pocket medical, dental, and/or vision expenses.

How an FSA works:

� You choose a specific pre-tax contribution amount for one or both accounts during the year. � The amount is automatically deducted from your pay at the same level each pay period. � As you incur eligible expenses, you may use your flexible spending debit card to pay at the point of service or submit the appropriate paperwork to be reimbursed by the plan.

Important rules to keep in mind:

� The IRS has a strict “use it or lose it” rule. If you do not use the full amount in your FSA, you will lose any remaining funds.

� You have until April 15, 2022, to request reimbursement for healthcare expenditures incurred between January 1, 2021, through March 15, 2022.

� Once you enroll in the FSA, you cannot change your contribution amount during the year unless you experience a qualifying life event.

� You cannot transfer funds from one FSA to another.

TRADITIONAL HEALTHCARE FLEXIBLE SPENDING ACCOUNT

For employees that enroll in the Enhanced (PPO) plan or outside health coverage (non-HSA), the healthcare flexible spending account may be used for any health, dental, vision, prescription, and some over-the-counter expenses not reimbursed by any other benefit plans. These expenses include deductibles, copays, coinsurance, dental services, eyeglasses, contact lenses, Lasik eye surgery, orthodontics for adults and children, hearing aids, chiropractor, some diabetic supplies, medical equipment, and other out-of-pocket costs not covered by our health, dental, or vision plan. The maximum yearly contribution is $2,750*. Employees will have access to their full health FSA contribution on the first day of the plan year.

* Subject to IRS adjustment

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LIMITED PURPOSE FLEXIBLE SPENDING ACCOUNT**

Employees enrolled in the Basic (HSA) plan may enroll in a Limited Purpose FSA which reimburses dental and vision expenses. The maximum yearly contribution is $2,750*. Employees will have access to their full annual FSA contribution on the first day of the plan year. Medical expenses are not eligible for reimbursement under the Limited FSA plan.

DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT

The dependent care account may be used to pay for eligible day care expenses for your children (up to age 13), an individual who is incapable of caring for themselves or an adult dependent. Qualifying expenses include daycare, pre-school, before and after school care programs, and summer day camp. If you are married, your spouse must either be employed or a full-time student in order to use a dependent care flexible spending account. The maximum yearly contribution is $5,000 if married, $2,500 if married and file single. Under IRS guidelines, you can only be reimbursed for dependent care that has already taken place. Also, you can only be reimbursed for the amount you have already contributed to your dependent care FSA.

EXPENSES MINIMUM CONTRIBUTION

MAXIMUM CONTRIBUTION

Traditional Healthcare FSA Medical, Dental, Vision $100 $2,750*Limited Purpose

Healthcare FSA** Dental and Vision $100 $2,750*

Dependent Care FSA Dependent Care $100$2,500 married filing

single/$5,000 married

Please plan your FSA contributions carefully, as any funds not used by the end of the grace period will be forfeited. Re-enrollment is required each year.

* Subject to IRS adjustment**NOTE: You must enroll in the HSA plan with HSA to participate in the Limited Purpose Healthcare FSA.

Parking and Transit Accounts

Salient CRGT offers parking and transit accounts through Flores and Associates. These accounts allow you to pay for eligible out-of-pocket parking and commuter expenses incurred from January 1, 2021 through December 31, 2021, with pre-tax dollars. Unused funds will rollover at the end of each plan year if you continue to participate in the plan the following year. Should you leave Salient CRGT, you will have until April 15th of the year following your termination date to submit claims for eligible expense that were incurred on or before your last day of employment. Any unclaimed funds will be forfeited.

PER MONTH PER YEARParking Contribution Limits $270* $3,240*Transit Contribution Limits $270* $3,240*

* Subject to IRS adjustment 13


EMPLOYEE ASSISTANCE PROGRAM (EAP) The Cigna EAP is provided at no cost to you by Salient CRGT. The program is designed to help you find solutions for everyday challenges of work, home, physical health and emotional well-being. Resources include child and elder care referral services, financial planning services, legal consultations, personal relationship management services and stress management resources.

LIFE AND DISABILITYBasic Life and Accidental Death & Dismemberment Insurance

Salient CRGT provides you with one times your annual salary in basic life and accidental death and dismemberment (AD&D) insurance up to a maximum of $100,000. This coverage is insured by SunLife and is provided to employees who are eligible for benefits at no cost.

Company Paid Short-Term Disability (STD)

Salient CRGT provides Short-Term Disability coverage for all benefit-eligible employees through Sun Life. If you become disabled, the plan pays up to 60% of your base weekly salary after 7 consecutive days of disability. The maximum weekly STD benefit is $2,500. The benefit is payable for a maximum of 90 days. This benefit is provided to eligible employees at no cost.

Voluntary Long-Term Disability (LTD)

Salient CRGT offers a Long-Term Disability plan through Sun Life. If you become totally disabled, the LTD plan pays up to 60% of your base monthly salary (reduced by other disability income you may receive). The maximum monthly LTD benefits is $15,000 per month. Benefits begin accruing after 90 days of disability. If adding or increasing coverage outside of the initial 31 day new hire enrollment period, you will be required to complete an Evidence of Insurability Form (EOI) with Sun Life. Upon approval of the added / increased amount, payroll deductions will begin.

To estimate your cost for Long-Term Disability, use the following formula: Annual Salary / 12 x Age Banded Rate/100 = Bi-Weekly Premium. Example of a 51-year-old employee earning $60,000 per year. $60,000/12 = $5,000 covered payroll $5,000 * 0.2571/$100 = $12.86 bi-weekly deduction.

Employee Coverage

Age BandBi-Weekly Rate

(Per $100 of covered payroll)Under age 25 $0.0392

25-29 $0.046230-34 $0.069735-39 $0.112240-44 $0.162045-49 $0.212350-54 $0.257155-59 $0.312560-64 $0.356365-69 $0.276970+ $0.1417

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Supplemental Term Life Insurance Salient CRGT offers supplemental term life insurance for you and your dependents through SunLife. In order to purchase coverage for a dependent, you must purchase coverage for yourself.

MAXIMUM BENEFIT INCREMENTS OF COVERAGE

GUARANTEED ISSUE LIMITS*

Employee Lesser of 5x salary or $750,000 $10,000 $350,000

Spouse Lesser of employee supplemental amount or $250,000 $5,000 $75,000

Children $10,000 $2,000 $10,000

* Evidence of insurability (EOI) is required if you elect coverage or request to increase coverage after the 31 day new hire enrollment period

Supplemental Term Life Insurance RatesCoverage Age Band Bi-Weekly Rate Per

Employee

Under age 25 $0.0189

$1,000 of monthly covered benefit

25-29 $0.019430-34 $0.024535-39 $0.029540-44 $0.036945-49 $0.057750-54 $0.096055-59 $0.163460-64 $0.251165-69 $0.463470+ $0.7509

Spouse

Under age 25 $0.0157

$1,000 of monthly covered benefit

25-29 $0.017530-34 $0.022635-39 $0.029140-44 $0.037845-49 $0.050350-54 $0.085855-59 $0.133860-64 $0.223865-69 $0.394670+ $0.6997

Children $0.0471 $1,000 of monthly covered benefit

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Supplemental AD&D InsuranceIn addition to your employer-paid accidental death and dismemberment insurance (AD&D), you are eligible to purchase supplemental AD&D insurance for yourself, your spouse, and children through SunLife. Please see the chart below for benefit and rate information.

MAXIMUM BENEFIT INCREMENTS OF COVERAGE

BI-WEEKLY RATE (PER $1,000 OF VOLUME)

Lesser of 5x annual salary or$750,000 $10,000 $0.009

EmployeeSpouse $250,000 $5,000 $0.012Child $10,000 $1,000 $0.012

Business Travel Accident Employees traveling on authorized business for Salient CRGT are eligible for the Business Travel Accident (BTA) coverage. Coverage begins on your date of hire, and the cost of this benefit is paid for by Salient CRGT.

In the event of a fatality while traveling on authorized business for Salient CRGT, your beneficiary would receive $100,000. The plan also offers a partial benefit payment to the employee in the event of certain injuries while traveling on authorized business for Salient CRGT.

BTA benefits are payable in addition to any workers’ and unemployment compensation, disability, life insurance, and AD&D you may receive.

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Group Hospital Indemnity InsuranceExpenses associated with a hospital stay can be financially difficult if money is tight and you are not prepared. But having the right coverage in place before you experience a sickness or injury can help eliminate your financial concerns and provide support at a time when it is needed most. SunLife offers a solution to help you protect your income and empower you to seek treatment.

Indemnity Medical insurance pays a cash benefit if you have a covered hospital stay. This benefit is payable directly to you and can keep you from withdrawing money from your personal bank account or your Health Savings Account (HSA) for hospital-related expenses your major medical doesn’t cover. You can use the money toward deductibles, copays, premiums or even to help cover your daily living expenses. Plus, it works well with your major medical plan, helping close gaps in your coverage.

Key Features

� Guaranteed Issue coverage, meaning no medical questions to answer (10 month pregnancy waiting period)

� Coverage is available for dependents

� Premiums are affordable and are conveniently payroll deducted

� Coverage can be continued

Hospitalization Benefits

� First Day Hospital Confinement benefit of $1,000 (once per year)

� Daily Hospital Confinement benefit of $100 per day (10 days per year)

� Hospital Intensive Care benefit of $100 per day (10 days pear year)

Sun Life companies include Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively, “Sun Life”).

Group Hospital Indemnity Insurance is underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) under Policy Form Series 15-GP-01, 20-HI-C-01, 12-GPPort-P-01, 20-HIPORT-C-01 in certain states. Not available in New York.

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Key Features

� Guaranteed Issue up to $30,000, meaning no medical questions to answer during initial enrollment

� Spouse coverage cannot exceed 100% of the amount of employee coverage; children cannot exceed 50% of the amount of employee coverage

� Coverage is available for employee, spouse, and children

� Premiums are affordable and conveniently payroll deducted

� Coverage may be continued

Recurrence of Critical Illness Benefits

� Initial Critical Illness & Cancer Critical Illness (12 month waiting period)

� Additional Occurrence included (6 month waiting period)

Cancer Critical Illness Benefits

� Invasive Cancer � Skin Cancer

Additional Benefits

� Wellness Benefit � Blindness, loss of speech, or complete loss of hearing

� Paralysis, coma, or severe burns

� Advanced ALS, Alzheimer’s, or Parkinson’sInitial Critical Illness Benefits

� Heart Attack � Stroke � Coronary Artery Bypass Surgery � Major Organ Transplant � End Stage Kidney Disease � Waiver of Premium (employee only)

Group Critical Illness Benefits are provided under policy form 942212.

Sun Life companies include Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively, “Sun Life”).

Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 12-GP-01, 15-GP-01, 12-SD-C-01, and 16-SD-C-01.

Group Critical Illness Insurance You can’t predict the future, but you can plan for it. Group Voluntary Critical Illness Insurance can help give you the power to take control of your health when faced with a covered critical illness. This insurance pays benefits that can be used for non-medical expenses that health insurance might not cover. The cash benefit is in the form of a lump sum payment, which is paid to the employee after a covered diagnosis.

You select the benefit coverage amount that you want based on your individual need and your budget. If you have covered family members, our coverage also provides cash benefits for them. If diagnosed with a covered critical illness, you will receive a cash benefit based on the percentage payable for the condition.

Group Voluntary Accident Insurance � Guaranteed Issue coverage, meaning no medical questions to answer � Benefits are paid directly to you unless otherwise assigned � Pays in addition to other insurance coverage � Coverage also available for your dependents � Premiums are affordable and can be conveniently payroll deducted � Coverage may be continued

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Whole Life Insurance (with Long Term Care rider)You and your dependents can enroll in permanent life insurance on a guaranteed issue (no medical questions) basis during this open enrollment. Once you’ve bought coverage, your cost won’t increase as you age. The benefit amount stays the same, too — it doesn’t decrease as you get older. That means you get protection during your working years and into retirement.

Whole Life Insurance also earns interest, or “cash value,” at a guaranteed rate of 4.5%. You can borrow from that cash value, or you can buy a smaller, paid-up policy — with no more premiums due. The whole life policy also includes a Long Term Care rider that may allow you to use your death benefit to pay for long term care.

COVERAGE

EmployeeYou can purchase a minimum benefit amount of $2,000, $5,000 in Washington, if you’re between

15 and 80 years old. The cost is based on your age when coverage is issued and whether you use tobacco.

SpouseAvailable for your spouse between the ages of 15 to 80, even if you don’t purchase coverage for yourself. If you leave your employer, you can keep this coverage and be billed at home. You can purchase a minimum benefit amount of $2,000, $5,000 in Washington. The cost is based on your

spouse’s age and whether they use tobacco

ChildrenYour children and grandchildren can have individual coverage, even if you don’t get coverage for yourself. If you leave your employer, your children can keep their coverage. You can purchase a

benefit amount of up to $50,000 for each child.

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EMPLOYEE DISCOUNTS Salient CRGT offers multiple discount programs for employees. Please refer to the SmartBen site for a list of available discounts.

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TICKETS-AT-WORK DISCOUNT

Tickets-At-Work provides Salient CRGT employees with access to exclusive savings on movie tickets, theme parks, hotels, tours, Broadway and Las Vegas shows and much more! Discounts are constantly being added! Order tickets online through www.TicketsAtWork.com and create an account using your company code SALIENTCRGT to access all the latest savings. Prefer to speak to someone? Call 1-800-331-6483 to speak with a knowledgeable customer service representative.

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ADDITIONAL BENEFITS PAID TIME OFF (PTO)

PTO is provided to regular full-time employees to use for personal leaves such as vacation or sick time. PTO is earned and accrued each pay period. PTO hours may be used as they are accrued.

HOLIDAY SCHEDULE

Salient CRGT observes ten paid holidays each calendar year including seven designated Federal Holidays (New Year’s Day, Memorial Day, Fourth of July, Labor Day, Veterans Day, Thanksgiving Day, and Christmas Day) and three floating holidays. Holiday hours must be used within the calendar year. Contract or customer requirements may alter the dates when holidays may be observed.

COLLEGE 529 PLAN

Salient CRGT has partnered with Mass Mutual Financial to offer an employer sponsored 529 Plan. A 529 Plan is an education savings plan designed to help set aside funds for qualified higher education expenses at eligible educational institutions. The Salient CRGT 529 Plan uses the American Funds mutual fund company for investment options. Employees work directly with a licensed, experienced broker to enroll in the program.

401(K) RETIREMENT PLAN - TRANSAMERICA

Salient CRGT’s 401(k) Plan helps you save for retirement as well as reduce your current taxable income. We offer both a Pre-Tax and Roth savings options. Loans and hardship withdrawals are available to you if you qualify. Employees are eligible to participate the first of the month following 90 days of employment. Enroll or make changes at https://sfs.trsretire.com or by calling Transamerica directly.

EDUCATION ASSISTANCE PROGRAM

Approved education courses taken at an accredited institution can be reimbursed up to a maximum of $5,250 per employee per calendar year. All courses must be pre-approved by Salient CRGT prior to enrollment. Full-time employees with six months of service are eligible for reimbursement. For a complete list of accredited organizations, visit the U.S. Department of Education Database of Accredited Postsecondary Institutions and Programs at the following website: http://ope.ed.gov/accreditation/Index.aspx.

EMPLOYEE REFERRAL PROGRAM

Salient CRGT is always looking for great people and you can help! If you know someone who would be a good addition to our company, you may receive a cash bonus for your referral.

NORTHWEST FEDERAL CREDIT UNION (NWFCU)

You can now get higher savings rates, lower loan rates, and pay fewer service fees by banking with NWFCU, plus access to more than 33,000 free ATMs and 4,000+ CU Service Centers nationwide. Once you join, you are a lifetime member even if you change employers. Joining is easy! Enroll at www.nwfcu.org or call 1-866-709-8901

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ASSIST AMERICA

Assist America is available to you as an added-value benefit to your Basic Life Insurance policy at no extra cost. Whether it’s domestic or international travel, Assist America offers a wide range of travel emergency assistance services including medical referrals, prescription assistance and repatriation. Contact Assist America when experiencing a medical or non-medical emergency while traveling more than 100 miles from your legal residence or in another country. Don’t forget to download the Assist America mobile app before your next trip!

Will Preparation Services

Salient CRGT offers two resources to help Employee with will preparation.

Sun Life

SunLife offers an on-line will preparation service. Through an easy to use secure website, you and your loved ones can now create and download a will in about 20 minutes. Sun Life also offers support services should you lose a loved one or become disabled.

Employee Assistance Program

The Employee Assistance Program helps with locating an estate attorney to assist with will preparation.

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FREQUENTLY ASKED QUESTIONS / GLOSSARY

1) What is a High Deductible Health Plan (HDHP)?

An HDHP features higher annual deductibles than traditional health plans. With the exception of preventive care, employees must meet the annual deductible before the plan pays benefits. HDHPs, however, may have significantly lower premiums than other traditional plans.

2) What is a PPO plan?

PPO stands for Preferred Provider Organization. PPO plans offer a network of health care providers and allows employees to choose the doctor or specialist of their choice without having to obtain a referral from a primary care physician. Employees who elect to participate in a PPO plan will pay a co-pay when they go to the doctor to receive medical care.

3) What is a Deductible?

A fixed dollar amount that the covered employee must pay out of pocket each calendar year before the plan will begin reimbursing for expenses. Plans usually require separate limits per person and per family.

4) What is Co-Insurance?

A percentage of a health care cost—such as 20 percent—that the covered employee pays after meeting the deductible.

5) What is a Copay?

A copay is the amount you pay for covered health services at the time you receive care.

6) What is Out-of-Pocket Max?

The most an employee could pay during a coverage period (usually one year) for his/her share of the costs of covered services, including co-payments & co-insurance.

7) What Does In-Network Mean?

Doctors, clinics, hospitals and other providers with whom the health plan has an agreement to care for its members. Health plans cover a greater share of the cost for in-network health providers than for providers who are out-of-network

8) What Does Out-of-Network Mean?

A health plan may cover treatment for doctors, clinics, hospitals and other providers who are out-of-network, but covered employees will pay more out-of-pocket to use out-of-network providers than for in-network providers.

9) What is an HSA?

HSAs may be opened by employees who enroll in a high deductible health plan. Employees can put money in an HSA up to an annual limit set by the government, using pre-tax dollars. Employers may also contribute funds to these accounts within the prescribed limit. HSA funds may be used to pay for medical expenses whether or not the deductible has been met, and no tax is owed on funds withdrawn from an HSA to pay for medical expenses. HSAs are individually owned and the account remains with an employee after employment ends.

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10) What is an Explanation of Benefits?

Also referred to as and EOB, it is a description that Cigna sends to you explaining the health care charges you incurred and the services for which your doctor has requested payment. You should always compare your EOB to the bill you receive from the doctor’s office. All data on the EOB should match the bill you receive, if it doesn’t you should contact your doctor’s office immediately.

11) What is Preventive Care?

Preventive care is proactive, comprehensive care that emphasizes prevention and early detection. This care includes physical exams, immunizations, well woman, well child and well man exams. All preventive care benefits are covered 100% with participating providers under all three medical plan options.

12) Urgent Care Vs. Emergency Room?

The urgent care center should be used for minor emergencies (fever, cough, pain, etc.) when your physician’s office is closed and your symptoms are too severe to wait until the office reopens.Emergency rooms should only be used for true emergencies such as broken bones, vigorous bleeding or severe pain.

13) What is Inpatient Care?

When a patient stays in the hospital while undergoing treatment.

14) What is Outpatient Care?

When a patient receives medical treatment without being admitted to the hospital.

15) What is the difference between Generic/Formulary/ Non-Formulary prescription drugs?

Formularies are lists that have the insurance carriers preferred drugs. You can normally find both generic and brand name drugs in the formularies. Formulary prescription drugs are chosen for their cost, effectiveness, and their safety. Non- formulary drugs will cost the member more money than formularies.

16) Retail vs. Home Delivery?

If you need a one time or short-term prescription, such as an antibiotic, it may be best to purchase the prescription from a nearby pharmacy so you can fill it quickly. However, if you have a long-term maintenance medication that you take on a regular basis, you may want to consider using a mail order. Mail order may allow you to purchase a 90-day supply at once and save you time and money.

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CONTACTSCigna

Healthcare Medical and Prescription 800-244-6224 www.mycigna.com

MDLIVETelemedicine 888-726-3171 MDLIVEforCigna.com

Cigna Dental 800-244-6224 www.mycigna.com

EyeMedVision 844-225-3107 www.eyemed.com

SunLifeLong-Term and Short-Term Disability 877-736-4739 www.sunlife.com

Flores and AssociatesHealth FSA

Dependent Care FSACommuter/Transit

Cobra

800-532-3327 www.flores247.com

SunLife Term Life and Accidental Death &

Dismemberment Insurance800-247-6875 www.sunlife.com

SunLifeGroup Critical Illness

Group Accident InsuranceHospital Indemnity Insurance

800-247-6875 www.sunlife.com

UnumWhole Life Insurance 800-635-5597 www.unum.com

Transamerica Retirement Solutions 401(k) Retirement 800-755-5801 https://sfs.trsretire.com

CignaEmployee Assistance Program (EAP) 877-622-4327 www.mycigna.com

HSA BankHealth Savings Account (HSA) 800-357-6246 www.hsabank.com

Selman & CompanyTricare Supplement 800-638-2610 www.selmantricareresource.com

Mass Mutual Financial Group James Iback

Robert Virden529 College Savings Plan

703-336-1232301-354-3839

[email protected]@financialguide.com

SmartBen Assistance 800-969-2293 [email protected]

Salient CRGT Contact Information

Phone: 1-800-823-7290Address: 4000 Legato Road, Suite 600Fairfax, VA [email protected]: 858-430-5505www.mySalientCRGTBenefits.com

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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.

benefits enrollment guide · 2020. 11. 5. · questions about your enrollment, and we’ll do our...

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