bj's 2013 benefit enrollment guide
DESCRIPTION
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2014 Benefits
Enrollment Guide
BENEFITS FOR YOU AND YOUR FAMILY
If you have any questions related to your benefits during the Annual Benefits Enrollment period, please call the BJ’s Benefits Service Center at 774-512-7700.
BENEFIT ENROLLMENT DATES: OCTOBER 21 - NOVEMBER 8, 2013
Salaried Guide
IMPORTANT: Benefits Educators from Enrollment Advisors will be available onsite at every location during Annual Benefits Enrollment to meet one-on-one with each eligible Team Member. These knowledgeable, trained Benefits Educators will answer questions about the benefit programs and assist you with completing the enrollment process. At the end of the session, Team Members will receive a confirmation page with a summary of your elected benefits.
BJ’s is pleased to share the 2014 Benefit Programs, which were
designed to provide you more choice in plans while managing the cost of
health care. A Health Reimbursement Account and two Flexible Spending
Accounts have been added to help fund your Health Care and Dependent
Care needs. Please read the information provided in this guide carefully.
BENEFITS FOR YOU AND YOUR FAMILY PLEASE BE SURE TO REVIEW
REQUIRED FEDERAL ANNUAL NOTICES:
P Medicare Part D
P Health Insurance Portability and
Accountability Act (HIPAA)
P Children’s Health Insurance Program
Reauthorization Act (CHIPRA)
P Women’s Health and Cancer Rights Act
(WHCRA)
Available on the Online Enrollment website :
https://mybjsbenefits.hrintouch.com after
you meet with a Benefits Educator.
P Online Enrollment
P Benefits Educators
P Three Medical plans through Cigna
P Health Reimbursement Account
P BJ’s Optical Vision Discount
P Flexible Spending Accounts
P Health Care
P Dependent Care
P Voluntary Accident Insurance and
Permanent Life Insurance
P Two Dental plans through Delta Dental
P Basic Life, Supplemental Life, Accidental Death
and Dismemberment Insurance
P Short-Term Disability Insurance
P Long-Term Disability Insurance
HOW DO I KNOW WHO IS AN ELIGIBLE DEPENDENT? • Your legally married spouse, including same-sex spouse if married in a state that recognizes same-sex marriages
• Your natural, step, legally adopted or eligible foster children until their 26th birthday, regardless of marital status or federal
tax dependency
• Your disabled children after their 26th birthday, provided proof of disability is established before their 26th birthday
• Your children recognized under a Qualified Medical Child Support Order (QMCSO)
IN THIS GUIDE YOU WILL FIND INFORMATION ON THE FOLLOWING:
NEW!
HOW TO ENROLL THIS YEAR: 1. All Team Members will meet with a Benefits Educator from
Enrollment Advisors
2. The Benefits Educator will walk you through all your 2014 benefit
options on the Enrollment Site
3. You can make your benefit elections with the Benefit Educator
and leave with your 2014 confirmation statement in hand
4. The Benefits Educator will give you a card with your username
and password if you need to make any changes on the online
enrollment site after your meeting
Annual Deductible
BJ’s Maximum HRA Funding (based on meeting wellness criteria)
Upfront HRA Deductible
Annual Out-of-Pocket maximum (incl. ded.)
Hospital Inpatient
Outpatient Surgery - Facility
Outpatient Surgery - Office
Emergency Room
Preventive Care Services (incl. routine labs, tests, x-rays)
Primary Care Office Visit
Specialist Office Visit
Diagnostic Labs, Tests
Prescription Co-pays
Cigna MediCal Plan CoMParison Chart for 2014
PreMier Plan Value Plan BasiC Plan
in-network in-network in-networkout-of-network out-of-network out-of-network
$750 Individual$1,500 Family
$1,500 Individual $3,000 Family
$250 Ind / $500 Family TM pays first / HRA second
$500 Individual$1,000 Family
$1,250 Individual$2,500 Family
$2,000 Individual $4,000 Family
$3,000 Individual $6,000 Family
10% after deductible
30% after deductible
10% after deductible
30% after deductible
$25 PCP / $40 Specialist
co-pay
30% after deductible
10% after deductible
Covered 100% 30% after deductible
$25 co-pay 30% after deductible
$40 co-pay 30% after deductible
10% after deductible
30% after deductible
Retail - $10/$30/$60
Not coveredMail -
$20/$60/$120
$1,500 Individual$3,000 Family
$3,000 Individual $6,000 Family
$250 Ind / $500 Family TM pays first / HRA second
$1,250 Individual$2,500 Family
$2,750 Individual $5,500 Family
$2,500 Individual$5,000 Family
$4,000 Individual $8,000 Family
10% after deductible
30% after deductible
10% after deductible
30% after deductible
$25 PCP / $40 Specialist
co-pay
40% after deductible
10% after deductible
Covered 100% 40% after deductible
$25 co-pay 40% after deductible
$40 co-pay 40% after deductible
10% after deductible
30% after deductible
Retail - $10/$30/$60
Not coveredMail -
$20/$60/$120
$2,500 Individual $5,000 Family
$5,000 Individual$10,000 Family
$250 Ind / $500 Family TM pays first / HRA second
$2,250 Individual $4,500 Family
$4,750 Individual$9,500 Family
$5,000 Individual$10,000 Family
$7,500 Individual$15,000 Family
20% after deductible
40% after deductible
20% after deductible
40% after deductible
20% after deductible
40% after deductible
20% after deductible
Covered 100% 40% after deductible
20% after deductible
40% after deductible
20% after deductible
40% after deductible
20% after deductible
40% after deductible
Retail - $10/$30/$60
Not coveredMail -
$20/$60/$120
MEDICAL INSURANCE - CIGNA For 2014, BJ’s is offering three medical plan options. Although all three plans are Preferred Provider
Organization (PPO) plans, each has different features. Please be sure to review each plan carefully
so you can choose the best plan for you and your family.
THE CHART BELOW IS AN OUTLINE OF EACH PLAN.
DEDUCTIBLE: The amount you pay for certain health care services before your health plan begins to pay. Under the three new Cigna plans, the deductible is broken out into two parts: – Total Medical Deductible – Total amount of expenses that must be paid by you including HRA funds (if available) before plan co-insurance begins. – Upfront HRA Deductible: Amount you or your covered dependents must pay before HRA funds can be used
For example, if you have a Total Medical Deductible of $750 and have earned $250 in HRA funds, you will be responsible for the first $500 (Upfront HRA Deductible) of expenses before Cigna begins to pay. Once the full $750 is met, you will pay co-insurance up to the Out-of-Pocket Maximum.
CO-INSURANCE: The portion of the cost of a covered health care service you or your covered dependents pay after the Total Medical Deductible is met. For example, if your plan has 10% co-insurance, you would be responsible for $10 of a $100 service and Cigna would pay the remaining $90.
BJ’s will continue to offer a lower medical rate to Team Members who do not use tobacco. Team Members who currently use tobacco and would like to take advantage of the lower rate can join Cigna’s Quit Today
Program by November 8 and select non-tobacco rates! Just call 1-855-561-3805.
TERMS TO KNOW WHEN CHOOSING YOUR BENEFITS:
WELLNESS AND
PREVENTIVE VISITS ARE
COVERED AT 100% WITH
ALL PLANS!
PLEASE SEE THE WEEKLY RATE SHEET INCLUDED SEPARATELY IN THIS ENVELOPE
Total Medical Deductible
Annual Out-of-PocketMaximum (incl. ded.)
HEALTH REIMBURSEMENT ACCOUNT (HRA)BJ’s is committed to helping you maintain a healthy lifestyle and has Wellness Programs to help you do just that. In 2014, you can earn
HRA funds to help reduce your deductible and/or co-insurance payments by participating in certain Wellness Initiatives.
DENTAL INSURANCE - DELTA DENTALBJ’s is offering two dental plan options in 2014. The chart below is an outline of the plan.
• Complete the 2014 Cigna Personal Health Assessment –Earn $150
• Get Your Annual Physical Exam–Earn $100-Physicalsbe
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HOW CAN I EARN FUNDS FOR MY HRA?
Please note the Low Plan will not cover:
• Major Restorative (dentures, crowns and implants)
• Orthodontia coverage
The Calendar Year Maximum Benefit of
$1,500 under the High Plan is separate from
the Lifetime Maximum for Orthodontia.
WHAT IS A HRA FUND?The HRA Fund is a BJ’s-funded account that allows you to
earn money when you and your eligible spouse (or dependent
over age 18) complete certain Wellness Initiatives. You can
earn up to $250 (individual) and $500 (family) each year to
lower your Total Medical Deductible.
You and your spouse (or dependent(s)
over age 18) can each earn $250 when
Wellness Initiatives are completed up
to a family maximum of $500.
These funds and
accounts will be
managed at
www.mycigna.com
(Individual / Family)
(Braces)
50% after deductible
100% Covered 100% Covered
80% after deductible 80% after deductible
BENEFIT ENROLLMENT DATES: OCTOBER 21 - NOVEMBER 8, 2013
Salaried Guide
FLEXIBLE SPENDING ACCOUNTS (FSA) – WAGEWORKSBJ’s will be offering Flexible Spending Accounts (FSA) for health care and dependent care through WageWorks in
2014. The FSA plan allows you to set aside (through payroll dedutions) pre-tax dollars to cover qualified
expenses you would normally pay out of your pocket with after-tax dollars. Once an annual
election is made, the participant is unable to opt out or decrease the election amount.
In the case of a qualifying life event, such as the birth of a child, participants may
increase the amount they direct into the accounts.
MAXIMUM ANNUAL ELECTION EXAMPLES OF QUALIFIED EXPENSES
Health Care FSA* $2,500 per Team MemberDeductible (medical and dental), co-payments
(medical and dental), co-insurance, eyeglasses, frames and lenses.
Dependent Care FSA** $5,000 per householdDaycare fees, before-school and after-school care and
day camp for children to age 13. Home care expenses for elder dependents.
*TotalelectedfundsareavailableinJanuaryforparticipanttouse.**Reimbursementcanbemadeonlyfromaccumulatedfundsandafterqualifiedservicehasbeenprovided.
WHAT IS AN FSA?
Accounts that allow you to set aside pre-tax dollars
through payroll deductions for eligible health care
and dependent care expenses.
For a complete list of qualified expenses go to www.WageWorks.com
THE IRS SAYS: “USE IT OR LOSE IT!”Any unused funds in the FSA accounts at the end of the year are forfeited.
You are unable to carry unused funds over to the following year. Choose the amount carefully!
HEALTH CAREElect a pre-tax Health Flexible Spending Account (FSA) to pay for the
cost of medical, dental and vision expenses not covered by your medical
or dental plans.
You may elect up to $2,500 in 2014 for your Health FSA. You will receive a
WageWorks debit card to use at the pharmacy, doctor’s office, or hospital.
Simply swipe your card to pay for your expenses.
You have access to your total annual election amount on January 1, 2014.
• Health Care FSA: Use this for eligible health care expenses
for you and your qualified dependents. It can be used for medical
deductibles, co-insurance and co-pays. This can also be used
for dental deductibles and co-insurance.
DEPENDENT CAREYou may elect up to $5,000 in 2014 for your
Dependent Care FSA. $5,000 is the total allowed per
household.
• Dependent Care FSA: Use this for eligible day
care expenses for your qualified dependents
to age 13, or qualified elder care. This
includes day care, before and after school
programs and day camp.
VISION DISCOUNT PROGRAM – BJ’S OPTICALBJ’s is very excited to offer an exclusive optical discount for Team Members and their families and friends. Team Members enrolled in
Cigna can receive their annual eye exam covered at 100% at their eye doctor’s office. Bring your prescription to BJ’s Optical and take
advantage of the following discounts:
• 50% off complete pair of eyeglasses PLUS:
- Additional $10 off for Inner Circle Members
- Additional $20 off for Rewards Members
• $15 off annual supply of Contact Lenses
DISABILITY INSURANCE – LIBERTY MUTUALSHORT-TERM DISABILITY INSURANCE BJ’s provides Short-Term Disability (STD) at no cost to eligible Team Members. Because of this,
these benefits are taxable to you as wages when paid.
• The STD benefit is 100% of your basic weekly earnings* for the
first four weeks of an approved disability (after a seven calendar day elimination
period) then,
• 60% of your basic weekly earnings for the remainder of your approved disability
to a maximum combined 26 weeks.
Team Members must use any accrued sick time during the first seven calendar days of disability, known as the “elimination period.” Sick
time will be charged based on your normal schedule during the seven calendar-day period.
LONG-TERM DISABILITY INSURANCEEligible Team Members may elect Long-Term Disability (LTD) insurance to supplement their income in the event they remain disabled
longer than 26 weeks. The LTD benefit will be offset by any other disability income you may be eligible for (Social Security, Workers’
Compensation, State-Provided Disability, etc.) and will be based on the following:
• 60% of your basic monthly earnings
• $20,000 maximum monthly benefit (tax-free)
The cost for this benefit is paid entirely by you. The premium associated
with this benefit will be withheld on an after-tax basis allowing any benefit
payments to be tax-free. Benefits are paid on a monthly basis.
Complete these steps to determine your weekly cost:
Step 1: Take your annual salary up to a maximum
of $400,000; divide by 52 to get your weekly pay __________
Step 2: Divide your weekly pay from above by 100 __________
Step 3: Multiply the number in step 2 by .47 __________
= your weekly contributions
*Earningsdonotincludeovertime,bonusorcommissions,butdoincludecarallowances.
If you elect a Health Care FSA through
WageWorks you can use your Health Care FSA
debit card to pay for any remaining unreimbursed
qualified expenses such as glasses. Enclosed are five coupons for you, your family, and friends.
PLEASE NOTE:If you are a Team Member working
in New York, New Jersey, or
Rhode Island, state plan benefits
will apply. The taxability of these
benefits vary by state.
BUSINESS TRAVEL ACCIDENT INSURANCE
All Team Members are covered on their date of hire against
accidental injury or death while travelling on officially
authorized Company business. This means travel on
assignment by or at the direction of BJ’s. Business travel
begins when you leave your residence or place of regular
employment for a business trip and continues until your return
to your residence or place of regular employment.
LIFE INSURANCE - INGBJ’s makes available a number of Life Insurance plans. Rates can be found on the enclosed Weekly Rate Sheet.
BASIC LIFE INSURANCEBJ’s provides, at no cost to eligible Team Members, Basic Life Insurance in the amount of one times your basic annual earnings up to a
maximum of $100,000. This benefit is payable to your designated beneficiary(ies) in the event of your death.
SUPPLEMENTAL LIFE INSURANCEYou may also purchase Supplemental Life Insurance coverage in amounts up to five times your basic annual earnings to a maximum of
$400,000 (cannot exceed $500,000 combined with Basic Life Insurance coverage).
ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D)You may purchase AD&D coverage in increments of $10,000 up to a maximum of 10 times your basic annual earnings, to a maximum
of $250,000 for yourself and/or your family. AD&D pays an additional amount of Life Insurance if an accident occurs resulting in
dismemberment or death.
AD&D CoversTeam Member or Team Member and Family
Coverage amounts and pay period deductions vary based on Team Member’s election
SPOUSE / DEPENDENT LIFE AND AD&DYou may elect to purchase Supplemental Life Insurance for your spouse and/or dependents.
Spouse / Dependent Life Insurance Covers Insurance Amount
Spouse $4,000
Child(ren) six months to age 26 $2,000 per Child
Child(ren) 14 days to six months $500 per Child
Age Reductions
Age Reductions will apply to the Team Member’s Basic Life and Supplemental Life amounts. There are no age reductions on Dependent Life
or AD&D. Reductions start at age 65 and continue according to the schedule below:
• At age 65 the benefit amount reduces to 65% of the original amount
• At age 70 the benefit amount reduces to 50% of the original amount
• At age 75 the benefit amount reduces to 35% of the original amount
Increasing CoverageDuring annual Benefits Enrollment, if you are currently enrolled in Supplemental Life Insurance, you may choose to increase this coverage by one times your base annual salary up to the guaranteed issue amount (lesser of three times your annual earnings or $400,000) without showing Evidence of Insurability (EOI). If you did not enroll in Supplemental Life or Dependent Life Insurance when you were first eligible, or would like increase coverage more than one times base annual salary, you will be asked to complete an EOI form. You must complete an EOI Form for yourself, if you are: • Enrolling for the first time during Benefits Enrollment • Requesting an increase in coverage of two or more increments (example: two to four times salary) • Electing coverage four or five times your annual earnings
Submitting Evidence of Insurability (EOI) • ING will mail the EOI form to your home, if you are required to complete one • Mail the completed EOI form to ING for approval
Spouse/Dependent Life Insurance: • If you are enrolling your spouse or child(ren) in Life Insurance for the first time during Benefits Enrollment, you must complete an Evidence of Insurability form for your dependent(s)
NOTE : Coverage will not be effective for any additional Supplemental or Spouse/Dependent Life Insurance until ING makes the final approval for the coverage.BUSINESS TRAVEL ACCIDENT INSURANCE
All Team Members are covered on their date of hire against
accidental injury or death while travelling on officially
authorized Company business. This means travel on
assignment by or at the direction of BJ’s. Business travel
begins when you leave your residence or place of regular
employment for a business trip and continues until your return
to your residence or place of regular employment.
BENEFIT ENROLLMENT DATES: OCTOBER 21 - NOVEMBER 8, 2013 Salaried Guide
VOLUNTARY BENEFITS - UNUMPERMANENT LIFE INSURANCE (WHOLE LIFE)Unum’s Permanent Life Insurance is designed to pay a death benefit to your
beneficiary(ies), but it also has a cash value you can use while you are living.
This benefit offers an affordable, guaranteed premium that won’t increase due
to age. Unlike Term Life Insurance, this coverage can continue after you leave BJ’s.
Advantages of the Plan
• Coverage is available to eligible Team Members age 16 to 80 who are
actively at work.* Leave of Absence (LOA) Team Members may contact the BJ’s Benefits Service Center upon returning to work
to enroll in Voluntary Benefits.
• You can buy coverage for your spouse and dependent children.
• The policy accumulates cash value at a guaranteed rate of 4.5%. ** Once your cash value builds to a certain level, you can
borrow from the cash value or use it to buy a smaller “paid-up” policy with no more premiums due.
• You get affordable rates when you buy this policy through your employer, and it is paid for through convenient payroll deduction.
• Coverage becomes effective on the first day of the month in which payroll deductions begin.
Below is an example of what a Team Member can purchase for $5.00 a week. The coverage premium is paid up at age 120 and Cash
Value at age 65. The rate is based on a Non-Tobacco user. The Team Member can also purchase Life Insurance for their spouse at the
same dollar amount.
Team Member / Spouse
ISSUE AGE FACE AMOUNT CASH VALUE
20 $34,993 $14,236
30 $24,322 $9,157
40 $15,125 $4,909
50 $8,589 $2,010
60 $4,348 $853
Below is an example of what a Team Member can purchase for their dependent
child(ren), for $3.00 a week.
Child(ren)
ISSUE AGE FACE AMOUNT CASH VALUE
3 $29,828 $12,347
6 $28,312 $11,626
9 $26,174 $10,647
15 $21,727 $8,631
20 $18,594 $7,209
*Eligible Team Members must be actively at work to apply for coverage. Being actively at work means on the day the Team Member applies for coverage, the individual must be working at one of his/her company’s business locations; or the individual must be working at a location where he/she is required to represent the company. If applying for coverage on a day that is not a scheduled workday, the Team Member will be considered actively at work as of his/her last scheduled workday. Team Members are not considered actively at work if they are on a leave of absence.
**The policy accumulates cash value based on a non-forfeiture interest rate of 4.5% and the 2001 CSO mortality table. The cash value is guaranteed and will be equal to the values shown in the policy.
Team Members must be U.S. citizens or legally authorized to work in the U.S. to receive coverage. Spouses and dependents must live in the U.S. to receive coverage.
Effective January 1, 2014, BJ’s will no longer
manage payroll deductions for Aflac insurance
policies. You have the option to maintain your
Aflac policy (ies) by paying your premium
directly to Aflac. In November, Aflac will send
you information on how you can continue your
policies with them on a direct bill basis.
Terms to Know
Face Amount/Coverage Premium:
The value of the policy paid to the
beneficiary upon the death of the
policyholder.
Cash Value: The amount the policy
holder will get at age 65 if they decide
to cash out the insurance policy.
GROUP ACCIDENT INSURANCEUnum’s Group Accident Insurance will pay lump-sum benefits based on the injury and the treatment you need, including emergency-
room care and related surgery. This benefit can help offset the out-of-pocket expenses that your medical insurance does not pay,
including deductibles and co-pays.
How the Plan Works
• Coverage is available to all eligible Team Members who are actively at work.*
• You can buy coverage for your spouse and dependent children.
• No health questions to answer. If you apply, you automatically receive the base plan.
• This plan includes convenient payroll deduction, so you don’t have to remember to write a check for your premiums.
• Coverage is portable. You may take the coverage with you if you leave the company or retire without having to answer new
health questions. Unum will bill you directly.
• Coverage becomes effective on the first day of the month in which payroll deductions begin.
• Benefits are paid for accidents that occur on and off the job.
• A Catastrophic Benefit is included with this plan. This pays an additional sum if a covered individual has a serious injury — such
as loss of sight, hearing or a limb. Benefit amounts reduce after age 65.
Listed below are a few examples of what the Accident Insurance will pay if you need Emergency Room Services, Hospital Services, or a
CT Scan.
SERVICE BENEFIT AMOUNT
Emergency room $150
Hospital admission $1,500
Hospital confinement (ICU per day) $400
Laceration with stitches $300
CT scan $200
Physician follow-up visit (one per accident) $75
Physical therapy visit $25
Total policy benefit paid $2,650
The base policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department.
IMPORTANT NOTICE: THE BASE POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
*Eligible Team Members must be actively at work to apply for coverage. Being actively at work means on the day the Team Member applies for coverage, the individual must be working at one of his/her company’s business locations; or the individual must be working at a location where he/she is required to represent the company. If applying for coverage on a day that is not a scheduled workday, the Team Member will be considered actively at work as of his/her last scheduled workday. Team Members are not considered actively at work if they are on a leave of absence.
Team Members must be U.S. citizens or legally authorized to work in the U.S. to receive coverage. Spouses and dependents must live in the U.S. to receive coverage.
What Is Covered?Some of the covered injuries include:
•broken bones
•burns
•torn ligaments
•cuts repaired by stitches
•coma due to a covered injury
•eye injuries
•ruptured discs
•concussion
Look for your full benefits
list on the website at
www.unum.com
401(K) RETIREMENT PLAN - FIDELITYTeam Members, when eligible, may participate in the BJ’s 401(k) Retirement Plan offered through
Fidelity Investments. You may elect to defer from 1% to 50% of your weekly pay (subject to IRS annual
maximum) on a pre-tax basis.
By increasing your 401(k) contributions, you benefit in a number of ways:
1. Lower your taxable income
2. Maximize the company match
3. Reach your retirement goals faster
EMPLOYEE ASSISTANCE PROGRAM (EAP) - VALUE OPTIONSThe Company-paid Employee Assistance Program (EAP) is available to all Team Members at no cost and is administered by Value
Options. It offers assistance with a variety of topics, including:
• Work/life balance
• Healthy living
• Financial stability
Call 1-888-257-2577 and talk to a trained
counselor 24/7. You can also schedule a
confidential appointment by phone.
The EAP pays for up to three telephone counseling sessions annually for each issue and for each covered member of your family.
Visit www.achievesolutions.net/bjs and gain access to valuable information on work/life topics, news, services and many other resources to enhance your overall well-being.
Team Members are eligible for company match after one
year of employment. BJ’s contributes $1 for every $1 you
contribute up to the first 1% of your contribution. BJ’s
also contributes $0.50 for every $1 you contribute on the
next 4% of your contribution. Saving 5% of your pay will
maximize BJ’s matching contributions.
WHO IS ELIGIBLE? • Must work 500 hours in first 6 months of employment
OR
• Must work 1,000 hours in rolling year of
employment (based on original hire date)
AND
• Must be 21 years of age to begin participating
Watch for Wellness activities again this year; the
Wellness Ambassador will be your contact for
these exciting events!
BENEFIT ENROLLMENT DATES: OCTOBER 21 - NOVEMBER 8, 2013
Salaried Guide
BENEFIT CARRIER PHONE NUMBER WEBSITE
Medical Insurance Cigna 1 (855) 561-3805 www.mycigna.com
Dental Insurance Delta Dental 1 (800) 872-0500 www.deltadentalma.org
Flexible Spending Accounts WageWorks 1 (877) 924-3967 www.wageworks.com
Life Insurance and AD&D Insurance
ING 1 (877) 886-5050 www.ingservicecenter.com
Short Term Disability Insurance Long Term Disability Insurance
Liberty Mutual 1 (888) 398-8924 www.libertymutual.com
Permanent / Whole Life Insurance, Group Accident Insurance
Unum 1 (866) 679-3054 www.unum.com
401(k) Retirement Plan Fidelity1 (800) 835-5095 English1 (800) 587-5282 Spanish
www.401k.com
Theinformationinthisguideshouldinnowaybeconstruedasapromiseorguaranteeofemploymentorbenefitcoverage.Pricing,underwriting,planspecificsandallotherproductfeaturesaresolelythatoftheInsuranceCompanyandnotEnrollmentAdvisors,Inc.Ifthereisaconflictbetweentheinformationinthisguideandtheactualplandocumentorpolicies,thedocumentsorpolicieswillalwaysgovern.Completedetailsaboutthebenefitscanbeobtainedbyreviewingcurrentplandescriptions,contracts,certificates,policiesandplandocumentsavailablefromtheBenefitsDepartment.
Important Telephone Numbers & Websites
25 Research D
riveW
estborough, MA
015812014 Annual Benefits Enrollment