ir enrollment guide_sept 26

5/21/2018 IR Enrollment Guide_Sept 26

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U.S. Salaried and Non-Union Hourly EmployeesU.S. Climate Solutions Sales and Service Employees

Learn.Compare.Choose.Annual Benefits Enrollment 2014


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GettingStarted

BenefitsOverview

Enrollment2014

ImportantInformation

Learn.

Compare.

Choose.Annual Benefits Enrollment 2014: its time to make yourbenefit choices for the coming year.

The benefit elections or changes you make during this years enrollment will takeeffect January 1, 2014. This guide will help you learn the basics about your benefit

plans and the decisions you have to make. It will also point you to extensive onlineinformation and other resources to help you compare your options. Then youll be

able to choose the ones that are right for you.


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Getting StartedYour benefits at a glanceThis guide discusses the following benefits, which are

available to eligible employees: Medical

Health Savings Account(for participants in the Health Savings Plan medical option only)

Prescription drugs

Health Progress

Dental

Vision Flexible spending accounts

Life insurance and accident insurance(company-paid and supplemental; for employees and dependents)

Work/Life and Employee Assistance Program(EAP)

Disability

Voluntary benefits

Special health and support programs

A N N U A L B E N E F I T S E N R O L L M E N T 2 0 1 4


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G E T T I N G S T A R T E D

Do I need to enroll? Yes.

If you do not enroll for your 2014 benefits by October 21, 2013,enrollment choices will be made for you, as follows.

If you are currently enrolled for coverage and fail to enroll for 2014:

You will be enrolled in the Health Savings Plan (HSP) option with your current administrator, at your current coverage level.(If you are a Lexington, KY employee enrolled in the Bluegrass Family Health Plan, you will be re-enrolled in that plan.)

In the absence of any statement from you regarding your tobacco use, you will be assessed the $25 monthly tobacco surcharge.

You will not be able to participate in Flexible Spending Accounts (FSAs) for 2014. FSAs require active enrollmenteach year.

Your HSA contribution for 2013, if any, will not be rolled over for 2014. (You will, however, have the chance to update yourcontribution election during the year.)

You will not be able to add or drop a dependent, or make any changes to your existing elections.

If you are not currently enrolled in benefits, you will not have any coverage for 2014.*

*Massachusetts employees: If you waived medical coverage in 2013 and wish to waive coverage again for 2014, you must identifyalternative coverage and complete an Employee Health Insurance Responsibility Disclosure (HIRD) form. If you do not actively enrollyou will be defaulted into the HSP option through Horizon BCBS.

Who can you cover?You can cover yourself and you can also choose to cover certain eligibledependents in Ingersoll Rands health and welfare benefits.

For your medical, dental and vision benefits, the following coverage levels are available:

Employee only

Employee + spouse or same-sex domestic partner

Employee + child(ren)

Employee + family

Your coverage costs are based on the level you select. You may select different coverage levels for medical,dental and vision coverage if you choose.



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G E T T I N G S T A R T E D

Meet ALEX, your new virtual advisorMaking benefits choices is challenging. Alex can make it easier. Alex is yourvirtual guide in Ingersoll Rands new online decision-support tool.Hes like David, who provided similar services last year, only better Alex can do a lot more, and can give you more comprehensiveinformation to help you make your decisions about health care coverage, and more. Alex will ask you a few questions about yourpersonal circumstances and then review with you the various options you have under the companys benefit plans. He can help youcompare plan features and costs, and the impact your choices might make on your budget.

Alex can describe to you how the Affordable Care Act (health care reform) might figure in your planning, and whether the coveragethrough the Health Insurance Marketplaces is a viable option for you. Most importantly, Alex can help simplify the many complexissues that go into deciding on coverage so you can make smart choices for yourself and your family. Alex will be available on

My Benefits Enrollmentduring Annual Benefits Enrollment, and we strongly encourage you to give him a good look. You can alsoaccess Alex directly for his Benefits Advisor tool, go to www.ALEXforIngersollRand.com. For Alexs help understanding healthcare reform, go to www.ALEXdoeshcr.com/ingersollrand .


More useful tools to help you decide

You will find a wide range of helpful decision-supportresources and educational materials on the websites ofthe administrators of your benefit programs. Refer toyour 2014 Benefits Directory in this guide for a list.

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Your 2014 medical plan choicesYou can choose from two medical plan options.

One of these options may be the better choice for you, depending on your health careneeds and participation in Health Progress, Ingersoll Rands wellness program:

the PPO(Preferred Provider Organization), or

the HSP(Health Savings Plan).

Regardless of which plan option you select, most employees will have the choice ofenrolling for coverage through either of two national insurance administrators:

Horizon Blue Cross Blue Shield of New Jersey(Horizon BCBS), or Aetna.

The PPO plan will have the same coverage terms whether you enroll for coverage under Horizon BCBS or Aetna. The same is truefor the HSP. Horizon BCBS and Aetnas provider networks doctors, hospitals, urgent care centers, etc. will be similar but notidentical; some providers may participate in one network but not the other. You will want to consider your own doctors networkaffiliations when you decide between Horizon BCBS and Aetna.

Ingersoll Rand makes its plan options available through both of these administrators in order to provide greater employee choice.For most employees, contribution rates will usually be lower with Horizon BCBS, regardless of where you live or what kind ofcoverage you elect.

For2014, you shouldactively enroll for medical coverage. For information on what happens if you fail to enroll, refer totheGetting Started section of this guide.


Benefits Overview


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B E N E F I T S O V E R V I E W

Your medical plan options at a glance

If you enroll in the HSP

You can qualify to earn a company contribution to a Health Savings Account:Employee onlyor employee + child(ren): $1,500

Employee + spouse/SSDPor employee + family: $3,000


* If you have your coverage through Bluegrass Family Health, note that this regional insurance carrier does not coverout-of-network services except in cases of emergency. In other respects, the Bluegrass plans coverage terms are identicalto the PPO plan.

In-Network Out-of-networkIn-Network Out-of-network*

Annual deductible

Individual

Family

Annual out-of-pocket maximum

Individual

Family

Lifetime maximum

$1,500

$3,000

$3,000

$6,000

$1,000

$2,000

$6,000

$12,000

$500

$1,000

$3,000

$6,000

None

$3,000

$6,000

$6,000

$12,000

Preventive care 100%No deductible

60%No deductible

100%No deductible

60%No deductible

HSPPPO

Other covered care 80%After deductible

60%After deductible

80%After deductible

60%After deductible

Remember:

u Eligible network preventive care is covered at100% with no deductible.

uThere are no exclusions for pre-existing conditions.

u Services from out-of-network providers are subjectto reasonable and customary (R&C) limits; chargesin excess of R&C are not covered.

u For a more comprehensive listing of coverageterms, refer to the medical options summary underResources at My Ingersoll Rand > PersonalProgress > Live > Health Care Benefits (U.S.)> Medical.

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Your prescription drug coverageWhen you enroll for medical coverage, you automatically receive prescription drugcoverage through CVS Caremark.

Is there a deductible?

If you choose coverage under the PPO or a local plan option, no. You have no annual deductible for prescription drugs.

If you choose coverage under the HSP, yes. You generally have to meet the HSPs deductible before prescription drugs arecovered. The exception is approved preventive drugs. HSA participants can get drugs on Caremarks list of approved preventivedrugs at the appropriate copay or coinsurance, without having to meet the HSPs annual deductible. You can find thepreventive drug list at My Ingersoll Rand.

Annual Out-of-Pocket Maximum for Prescription DrugsHSP: Your prescription drug expenditures will count toward your in-network annual out-of-pocket maximum under your medical plan,

as listed in the chart on page 9.

PPO: After your out-of-pocket expenses reach $1,500 for covered pharmacy charges for individual coverage or $3,000 for familycoverage, the plan will pay 100% of eligible charges for the rest of the calendar year.

Best Value for GenericsIf you purchase a brand-name drug when an equivalent generic is available, you will be subject to a penalty: your cost will be thegeneric copayment plus the difference between the retail cost of the brand drug and the generic drug. Exceptions will be made ifyour doctor has certified that you have tried and cannot use the generic equivalent for medical reasons.

Heres an example: If you choose a brand name drug retailing for $100 over a generic equivalent retailing for $50, your cost would

be $56 that is, you will pay the generic copayment ($6) plus the difference between the retail costs of the brand name andgeneric drugs ($100-$50 = $50).


How your prescriptions are covered

Retail (30-day supply)

Generic

Brand

Mail Order (90-day supply) Generic

Brand

Specialty medications (30-day supply)

$6

35%

$15

30% $150 maximum per prescriptionif no generic is available

30% $75 maximum per prescription

Must use CVS CaremarkSpecialty Pharmacy


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A Special Deal for Maintenance MedicationsYou can refill 90-day prescriptions for maintenance medications at your local CVS pharmacy and still get the mail-order rates. To getthe improved pricing, you just need to have your doctor convert 30-day prescriptions to 90-day, and you must use a CVS pharmacy.

For more information about the CVS-Caremark Maintenance Choice program, refer to www.caremark.com.Additional information

Some prescription drugs may require prior authorization or may be subject to step therapy before they can be dispensed.Under step therapy, an appropriate generic medication must be used before the brand medication will be covered. Check withCVS Caremark to determine if prior authorization or step therapy is required.

If you are newly diagnosed with rheumatoid arthritis or multiple sclerosis and require specialty medications as part of yourtreatment, you will be required to use a preferred specialty medication first, before the Plan will cover another drug for thesame condition.

In compliance with the Affordable Care Act (health care reform), the prescription drug plan will cover certain womens

contraceptive drugs and devices, and certain supplements and medications critical to womens preventive health, at 100%with no deductible required.

Not all prescribed medications are covered by the Plan, including certain cosmetic and lifestyle medications. Check withCVS Caremark for coverage details.



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Your dental planYou can choose dental coverage through the MetLife Preferred Provider Option (DPPO).Under this coverage you may see any dentist you choose, but benefits are greater when you go to a dentist who participants inthe MetLife Preferred Dentist Program (PDP). PDP dentists have negotiated fees below the average rate charged by dentists for thesame services in a given geographic area.

Limitations apply to certain services; refer to your Summary Plan Description on My Ingersoll Rand for additional details aboutdental coverage.


Out-of-networkIn-Network

Annual deductible

Waived for orthodontia and preventive treatment

None $50 single/$150 family

Maximum annual benefit

No annual limit for oral surgery

$1,750 per person $1,500 per person

Preventive services

Includes exams and cleanings, fluoride treatments,x-rays for diagnosis, sealants

Plan pays 100% Plan pays 100% of

reasonable and customary (R&C)

Basic services

Includes fillings and extractions, periodontics, repairsto crowns or dentures, endodontics, oral surgery

Plan pays 80% Plan pays 80% of R&C after deductible

Major care services

Includes crowns, inlays, dentures, dental implants

Plan pays 50% Plan pays 50% of R&C after deductible

Orthodontic services

Coverage for dependents to age 19

Plan pays 50% Plan pays 50%of R&C

Maximum lifetime orthodontia benefit

Combined for in-network and out-of-network services

$1,750 per person $1,500 per person

The MetLife Dental Preferred Provider Option (DPPO)

No ID cards are issued for the dental plan. If you see

a network dentist, you do not have to meet an annualdeductible and are not required to submit claim forms.If your dentist is not in the network, you may need topay the dentist in full at each visit and complete a claimform. If an out-of-network dentist charges you morethan the reasonable and customary (R&C) amount, youwill also have to pay the difference between the R&Ccharge and your dentists charge. Claim forms and moreinformation about your coverage can be found atMetLifes website at www.metlife.com/dental.

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Your vision planRoutine annual eye exams are covered through your medical plan. You also have theoption to elect vision coverage through VSP Vision Care.You can choose between two VSP plan options:

Hardware only: This option provides coverage for eyeglasses, lenses, etc. (which are not covered under your medical plan),but does not provide coverage for eye exams (which are covered under your medical plans).

Hardware and eye exam: This option provides coverage for eyeglasses, lenses, etc. as well as annual eye exams.

General terms of coverage are described in the table below. If you are enrolled in the medical plan, you can use either VSPs oryour medical options network providers for your routine eye exam. No ID cards are issued for this coverage.


Non-Network

(Once every 12 months, except as noted)

In-Network

Non-NetworkIn-Network

Single vision lenses You pay cost inexcess of $31

You pay $20

Bifocals You pay cost inexcess of $50You pay $20

Trifocals You pay cost inexcess of $65

You pay $20

FramesOnce every 24 months

You pay cost inexcess of $70

You pay cost inexcess of $150

Elective contact lenses You pay cost inexcess of $105

You pay $60 forlens exam plus cost of

lenses above $150

Annual eye exam You pay cost inexcess of $45You pay $0

The hardware-only option covers:

The exam and hardware option also covers:

VSP


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Dependent AD&D InsuranceIf you purchase Supplemental AD&D Insurance for yourself, you may also purchase AD&D coverage for your spouse/SSDP and yourdependent children. Coverage for your spouse/SSDP will be equal to 50% of your Supplemental AD&D coverage (60% if you purchase

coverage only for your spouse/SSDP). Coverage for each covered child will be equal to 10% of your Supplemental AD&D coverage(15% if you cover only your children).

Work/life programIngersoll Rands work/life program, offered through Magellan Health Services, is made up of an employee assistance program (EAP)and an array of other services to help you and your family address personal and professional challenges. These services are providedat no cost to you. The EAP offers confidential counseling for personal or work concerns, such as stress, depression, financial issues,substance abuse and family conflicts.

In addition, you have access to a broad array of services to help you manage life events, such as planning for a family, findingsuitable childcare providers, taking care of your home, your finances, your aging parents, and more. Youll also enjoy benefits designed

to enhance your everyday life, such as a discount program that lets you save on shopping, entertainment, travel and more.


Designate Your Beneficiaries inMy Benefits Enrollment

Remember to have your beneficiary information readywhen you enroll. Youll need to have the followinginformation for each beneficiary you designate: name,address, date of birth, and Social Security number.

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Homeowners/Renters InsuranceSeveral types of policies are available to suit the type of dwelling you wish to cover house, condo, mobile home or rental apartment.

You can enroll in this coverage throughout the year. Enrollment is through Marshs website, which can be accessed via

My Benefits Enrollment.

Pet InsuranceInsurance for your pets through Veterinary Pet Insurance (VPI) protects against high costs associated with veterinary care.This insurance covers medical problems and conditions related to accidents or illness, and you may visit any licensed veterinarianworldwide. The policy helps pay for lab fees, treatments, prescriptions, surgery, and more after a $50 per-incident deductible.Coverage for routine care is also available, with no deductible.

You can enroll in this coverage throughout the year. Enrollment is through Marshs website, which can be accessed viaMy Benefits Enrollment.

Learn more about Marsh Voluntary Benefits at www.ingersollrandvolbenefits.com.

The voluntary benefit programs described above are made available by Ingersoll Rand for its employees through Marsh VoluntaryBenefits. Ingersoll Rand does not sponsor, contribute to, or endorse any service or policy offered under the program, and makes norepresentation with regard to any such service or policy. Ingersoll Rands responsibility under the programs is limited to coordinatingpayroll deductions for premium payments. If you choose to purchase a service or policy, your contract for coverage will be witheach insurance provider, and your contact for policy servicing will be Marsh Voluntary Benefits.



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How to Enroll: The BasicsYou can verify your current benefits elections (and much more) at My Total Rewards. This is your best resource for comprehensivepersonalized information, as well as the pathway to My Benefits Enrollment, your online tool for enrolling in your health and welfarebenefits. With My Benefits Enrollment, you will be able to make your elections for 2014, learn your coverage costs, enter status

change information, update or change your beneficiaries, and find links to additional benefits information.

To make your benefit elections for 2014:

If you have not yet done so, log on to My Benefits Enrollment:

From work: Personal Progress > Live > My Benefits Enrollment

From home: https://mybenefitsenrollment.ehr.com

You will be prompted to log in using your Social Security number and password. If this is the first time you are logging onor you have forgotten your password, click on the Create or reset your password link.

From the home page, click on Make Your 2014 Annual Benefits Enrollment Elections.

Follow the prompts on each screen to make your 2014 elections. After completing and saving your enrollment elections, print the Benefit Enrollment Confirmation

page that displays your 2014 elections.

If you see a problem or want to make a change, you have until October 21, 2013 to go back to the Make Your 2014 AnnualBenefits Enrollment Elections page and modify your elections. You can make changes as many times as you want during theenrollment period. The elections on file as of October 21, 2013 will be considered your final elections for 2014 unless youhave a qualifying event before year-end.

Before you enroll, get ready by collecting the names, birth dates, addresses and Social Security numbers of any eligible dependentsyou want to enroll or any individuals you want to list as beneficiaries.

Following enrollment, a confirmation statement will be mailed to your home. Review this statement carefully to ensure thatit accurately reflects your elections. Depending on the elections youve made, you may also receive ID cards for your medicalbenefits (if you do not change your medical plan, no new ID cards will be issued).


Enrollment 2014


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E N R O L L M E N T 2 0 1 4


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E N R O L L M E N T 2 0 1 4

Your 2014 Benefits Directory

Program Provider/Contact Telephone Website/Email

General Benefits Questions Employee Contact Center 1-866-472-6793 N/A

Benefits Enrollment My Benefits Enrollment N/A https://mybenefitsenrollment.ehr.com

Medical Aetna 1-800-544-3121 www.aetna.com

Horizon BCBS 1-888-556-5592 www.horizonblue.com/IR

Gundersen Health Plan 1-800-897-1923 www.gundersenhealth.org

Bluegrass Family Health 1-800-787-2680 www.bgfh.com

Prescription Drug CVS Caremark 1-800-565-5826 www.caremark.com

Dental MetLife 1-888-224-4974 www.metlife.com/dental

Vision VSP 1-800-877-7195 www.vsp.com

Flexible Spending Accounts WageWorks 1-877-924-3967 www.wageworks.com

Health Savings Accounts (HSP only) Wells Fargo 1-866-884-7374 www.wellsfargo.com/hsa

Disability Hewitt 1-888-369-7583 N/A

Life Insurance/AD&D Prudential 1-877-232-3619 N/A

Work/Life Program (Employee Assistance Program) Magellan 1-800-327-6373 www.magellanhealth.com/member

Voluntary Benefits Marsh Voluntary Benefits 1-800-626-9011 www.ingersollrandvolbenefits.com

Healthy Maternity Alere 1-877-222-9607 www.maternalink.com/ingersollrand

Complex Care Management Alere 1-877-873-9719 N/A

Cancer Referral Program Memorial Sloan-Kettering Cancer Center 1-912-681-6413 Email: [email protected]

(IR Corporate Medical Svcs)

Health Progress Healthways 1-866-976-1939 www.myhealthprogress.com

Center for Special Needs Planning MetLife 1-877-638-3375 www.metlife.com/specialneeds

Transitional/Survivor Support Ayco 1-800-235-3417 www.ayco.com



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About This GuideThis guide is not an employment contract or any type of employment guarantee. Therefore, your employment is not guaranteedby your participation in any of the plans. If there is a discrepancy between the information provided in this guide and the applicablesummary plan descriptions, plan document(s), or insurance contract(s), the summary plan descriptions, plan document(s), or insurance

contract(s) will govern. Ingersoll Rand reserves the right to amend or terminate any of the plans or programs at any time for anyreason with or without notice.

Womens Health and Cancer Rights ActThe Plan covers the following medical services in connection with coverage for a mastectomy:

1. Reconstruction of the breast on which the mastectomy has been performed;

2. Surgery and reconstruction of the other breast to produce symmetrical appearance; and

3. Prostheses and treatment of physical complications in all stages of mastectomy, including lymphedemas.

These services shall be provided in a manner determined in consultation with the attending physician and the patient.

Coverage for these medical services is subject to applicable deductibles and coinsurance amounts.Notice of Ingersoll-Rands Group Health Plans Privacy PracticesThis notice describes how medical information about you may be used and disclosed and how you can get access to thisinformation. Please review this notice carefully.

Ingersoll-Rand Company and certain of its subsidiaries (Ingersoll-Rand) sponsor health and welfare benefit plans (the Plans).The Plans consider personal health information to be confidential. The Plans protect the privacy of that information in accordancewith applicable privacy laws, as well as our own company privacy policies. The Plans are part of an organized health care arrangement;this means that your health information may be shared among and between the medical plans sponsored by Ingersoll-Rand.Ingersoll-Rand has established a Privacy Office to ensure the protection of your health information. The Privacy Office can be

reached via fax at 877-797-2586.


Important Information


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I M P O R T A N T I N F O R M A T I O N


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Nebraska MedicaidWebsite: www.ACCESSNebraska.ne.govPhone: 1-800-383-4278

Nevada MedicaidWebsite: http://dwss.nv.gov/Phone: 1-800-992-0900

New Hampshire MedicaidWebsite: http://www.dhhs.nh.gov/oii/documents/hippapp.pdfPhone: 603-271-5218

New Jersey Medicaid and CHIPMedicaid Website: http://www.state.nj.us/humanservices/dmahs/clients/medicaid/Medicaid Phone: 609-631-2392CHIP Website: http://www.njfamilycare.org/index.htmlCHIP Phone: 1-800-701-0710

New York MedicaidWebsite: http://www.nyhealth.gov/health_care/medicaid/Phone: 1-800-541-2831

North Carolina MedicaidWebsite: http://www.ncdhhs.gov/dmaPhone: 1-919-855-4100

North Dakota Medicaid

Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/Phone: 1-800-755-2604

Oklahoma Medicaid and CHIPWebsite: http://www.insureoklahoma.orgPhone: 1-888-365-3742

Oregon Medicaid and CHIPWebsite: http://www.oregonhealthykids.govWebsite: http://www.hijossaludablesoregon.govPhone: 1-800-699-9075

Pennsylvania MedicaidWebsite: http://www.dpw.state.pa.us/hippPhone: 1-800-692-7462

Rhode Island MedicaidWebsite: www.ohhs.ri.govPhone: 401-462-5300

South Carolina MedicaidWebsite: http://www.scdhhs.govPhone: 1-888-549-0820

South Dakota - MedicaidWebsite: http://dss.sd.govPhone: 1-888-828-0059

Texas MedicaidWebsite: https://www.gethipptexas.com/Phone: 1-800-440-0493

Utah Medicaid and CHIPWebsite: http://health.utah.gov/uppPhone: 1-866-435-7414

Vermont MedicaidWebsite: http://www.greenmountaincare.org/Phone: 1-800-250-8427

Virginia Medicaid and CHIPMedicaid Website: http://www.dmas.virginia.gov/rcp-HIPP.htmMedicaid Phone: 1-800-432-5924CHIP Website: http://www.famis.org/CHIP Phone: 1-866-873-2647

Washington MedicaidWebsite: http://hrsa.dshs.wa.gov/premiumpymt/Apply.shtmPhone: 1-800-562-3022 ext. 15473

West Virginia Medicaid

Website: www.dhhr.wv.gov/bms/Phone: 1-877-598-5820, HMS Third Party Liability

Wisconsin MedicaidWebsite: http://www.badgercareplus.org/pubs/p-10095.htmPhone: 1-800-362-3002

Wyoming MedicaidWebsite: http://health.wyo.gov/healthcarefin/equalitycarePhone: 1-307-777-7531

To see if any more states have added a premium assistance program since July 31, 2013,

or for more information on special enrollment rights, you can contact either:

U.S. Department of LaborEmployee Benefits Security Administrationwww.dol.gov/ebsa1-866-444-EBSA (3272)

U.S. Department of Health and Human ServicesCenters for Medicare & Medicaid Serviceswww.cms.hhs.gov1-877-267-2323, Option 4, Ext. 61565



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Ingersoll Rand (NYSE:IR) advances the quality of life by creating and sustaining safe, comfortable and efficient

environments. Our people and our family of brandsincluding Club Car, Ingersoll Rand, Schlage, Thermo King and

Trane work together to enhance the quality and comfort of air in homes and buildings; transport and protect foodand perishables; secure homes and commercial properties; and increase industrial productivity and efficiency. We are a

$14 billion global business committed to a world of sustainable progress and enduring results.

ingersollrand.com

092713 2013 Ingersoll-Rand

ir enrollment guide_sept 26

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