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Published by kimberly.slifer, 2022-05-11 13:38:20

2022 TKC Benefits Guide

2022 TKC Benefits Guide

2022 Benefits Guide

Hourly & Salary Employees

Table of Contents Table of Contents 2
2
Introduction 3
2022 Benefit Plan Changes 4
Eligibility & Enrollment 5
Making Changes to Benefits 6
Electing Benefits 7
Glossary of Terms 9
Medical Insurance 11
Prescription Drug Coverage 13
Additional UHC Programs 14
Ways to Save Money on Medical & Rx Costs 15
UnitedHealthCare Online 17
Health Saving Account (HSA) 19
Flexible Spending Accounts (FSA, LPFSA, & DCFSA) 21
Dental Insurance 23
Vision Insurance 25
Life and Accidental Death & Dismemberment Insurance 27
Disability Insurance 30
Optional Protection Benefits 31
Sun Life Online Account 33
Employee Assistance Program (EAP) 35
Assist America 37
Retirement Plan 39
Cost of Coverage by Payroll 40
Contact Information
Required Notices

1

Introduction Introduction

At The Kuskokwim Corporation (TKC) and our family of companies, our employees are the foundation of our
success. To reward you and reflect our commitment to you, TKC provides a comprehensive benefits program
as an important part of your total compensation package.

In the following pages, you’ll learn more about the benefits offered. You’ll also see how choosing the right
combination of benefits can help protect you and your family’s health and finances – and your family’s future.

The 2022 Benefits Guide:
• Gives an overview of your benefits as an employee of TKC and Subsidiaries.
• Helps you choose the coverage that is right for you and your family.

Please consider your benefits carefully before choosing. Your choices will remain in effect for the entire plan
year, unless you have a qualified family status change.

2022 Benefit Plan Changes

UnitedHealthcare Medical Plan Changes:
• Designated Network cost-saving program for Specialist visits and Diagnostic Lab Testing services

• Peloton Digital Membership – you and each covered family member can enjoy 1 year of access
to the Peloton App at no additional cost — just for being enrolled in a UnitedHealthcare medical
plan – valued at $155

• Apple Fitness+ Membership - UHC health plans now include a 1-year subscription to
Apple Fitness+, at no additional cost – valued at $79.99

• COVID-19 Vaccine Record – print and share your UHC vaccine record and vaccine pass with QR
code by accessing your account on myuhc.com

• Expanded Colorectal Cancer Preventive Screening Ages – recommended ages for colorectal
cancer screening expanded to adults aged 45 to 75 years (previously it was 50 to 75 years).

Sun Life Benefits
• Dental, Vision, Life and AD&D, Disability, and Optional Protection Benefits now provided through
Sun Life

• Dental plan now covers adult orthodontia

• Employee Assistance Program (EAP) is now through ComPsych

• New Emergency Travel Assistance and Identity Theft Protection benefits

Please note:

This Benefit Summary does not provide all of the details about all of the benefit programs. Additional
information is available in each program’s Certificate of Coverage (COC). The COC’s are available by request
from Human Resources.

2

Eligibility & Enrollment Eligibility & Enrollment

Eligible Employees

All active full-time and part-time employees working 30 hours or more a week are eligible to join the TKC
benefits once the waiting period has been satisfied. You may also enroll your dependents in your elected
benefits when you enroll.

Eligible Dependents

You may also elect coverage for your dependents under your elected benefits when you enroll. Eligible
dependents include:

Your legal Your children* (up to
spouse (same age 26) and/or your
or opposite sex) unmarried, disabled
children up to any age*

Start of Coverage

Coverage begins the 1st of the month following your date of hire. If your date of hire is on the 1st of a month,
you are immediately eligible for coverage as of your hire date.

When to Enroll

You can only sign up for or change your benefits at the following times listed below. The choices you make
at these time will remain in place through December 31st.

• New Hire Enrollment: All new hire enrollment elections must be completed in our online enrollment
system by the 1st of the month following their date of hire. The Benefits Administrator will notify you if
you are eligible for additional time/enrollment grace period extending after that date.

• During the annual open enrollment period; see Annual Open Enrollment

• Within 30 days of a Qualifying Life Event (QLE); see Making Changes

IMPORTANT:

Even if you are planning on waiving all optional benefits, you will still need to complete the online
enrollment and decline coverage for those benefits.

If You Don’t Complete Enrollment

You have until the 1st of the month following your date of hire to enroll in benefits. If you miss the deadline to
complete your enrollment:

• You will not be able to cover any dependents

• All optional benefits will be waived and you will only be enrolled in the company paid Basic Life and AD&D
insurance, Short-Term Disability, and Long-Term Disability

• You will not be able to enroll in any optional benefits until the next Open Enrollment period, unless you
experience a Qualifying Life Event

End of Coverage

Coverage will end on the date an employee terminates employment or the date an employee changes to a non-
benefit eligible class.

*Includes natural, step, legally adopted/or a child placed for adoption, or a child under your legal guardianship

3 **Must be mentally or physically disabled prior to age 19 and be dependent on you for support

Making Changes to Benefits Making Changes to Benefits

After your initial enrollment period, changes to your benefit elections can only occur during our Annual Open
Enrollment or if you experience a Qualified Life Event.

Annual Open Enrollment

Open Enrollment is a specified period of time set aside each year during which you have an opportunity to make
changes to your benefits. During this time, you may enroll or make changes to most of your benefit elections.
Changes to Medical, HSA, Dental and Vision benefits made during Open Enrollment will go into effect January
1st. Flexible Spending Accounts also run on a calendar year. with changes effective January 1st.

Qualified Life Events (QLE)

Certain events in your life allow you to make election changes during the year without the need to wait for
Annual Open Enrollment. Some examples of a QLE include:

Marriage/Divorce 30 DAYS

Time Away/ Birth/ TO UPDATE BENEFITS
Leave of Absence Adoption
You must complete an
Relocation Death enrollment and provide TKC

Change in Employment with the necessary
eligibility status Change documentation within 30
of other benefits days from your QLE by
providing it to the Benefits

Administrator. The IRS
allows changes to be made

within 60 days for those
eligible for Medicaid or CHIP

under HIPAA Special
Enrollment Rights.

QLE Effective Date

The effective date of the coverage change will be the date the employee requests the change (based on the

date the form is signed). Changes due to marriage, divorce, birth or adoption are effective the date of the actual
qualifying event.

Please contact the Benefits Administrator for more information on Qualified Life Events.

4

Electing Benefits Electing Benefits

BENEFIT INFORMATION LANDING PAGE

To start the enrollment process, you will need to vision TKC’s benefit landing page to learn more about
the benefits offered and watch an on-demand video. The page also contains an Enroll Now button that
will take you directly to the registration site for our Employee Navigator benefits system where you will
complete your benefit elections. Please watch your email for the landing page information message
and contact the Benefits Administrator if you don’t receive it within a week of your hire date.

Need help picking the best Click the Enroll Now
benefits for you and your button to be taken
family? Want additional directly to the Employee
information on a particular Navigator registration
website to begin electing
benefit?
your benefits.
Click the Chat Now button to
chat instantly with Sun Life Watch an overview video
benefit counselors that can of the different benefits

assist you with general available to you.
questions on all of our benefits.
View benefit plan details,
You can also setup a time to documents, informative
meet with a benefit counselor videos, and useful links
via Zoom or telephonic session. for each benefit offered.

EMPLOYEE NAVIGATOR BENEFIT PORTAL

Registering for Access

To enroll in your benefits, you will need to create a new account in the Employee Navigator online portal by:
• Click Enroll Now on the benefit landing page
• Select the Register as a new user option
• Enter your full legal first and last name, last 4 digits of your Social Security Number, and birth
date.
• Enter your company identifier: TKCTumeq
• Create a username and password.

Once you are signed in, click the green “START ENROLLMENT” button to begin enrolling in your benefits.

Please note: Federal regulations require TKC to obtain the following information during enrollment:
• Social security numbers for all covered individuals
• Dates of birth and your relationship to all covered dependents
• Your complete home mailing address

Maintaining Benefits

Once your Employee Navigator account is created, you can access the benefit portal by going to
www.employeenavigator.com/benefits and logging in using your username and password.
The Employee Navigator portal is where you:

• Will complete all your benefit enrollment tasks (except retirement)
• Will submit QLE benefit election changes
• Can review benefit plan documents and additional benefit resources
• Can review your current benefit elections, dependents, and life insurance beneficiaries

5

Glossary of Terms Glossary of Terms

Below are some common terms to help you understand and choose the best benefits for you and your family.

Coinsurance

Your share of the costs of a covered health care service, calculated as a percentage
(for example, 20%) of the allowed amount for the service. You generally pay
coinsurance plus any deductibles you owe. (For example, if the health insurance or
plan’s allowed amount for an office visit is $100 and you’ve met your deductible, your
coinsurance payment of 20% would be $20. The health insurance or plan pays the rest
of the allowed amount.)

Copayment

A fixed amount (for example, $15) you pay for a covered health care service, usually when you receive the
service. The amount can vary by the type of covered health care service.

Deductible

An amount you could owe during a coverage period (usually one year) for covered
health care services before your plan begins to pay. An overall deductible applies to
all or almost all covered items and services. A plan with an overall deductible may
also have separate deductibles that apply to specific services or groups of services.
A plan may also have only separate deductibles. (For example, if your deductible is
$1000, your plan won’t pay anything until you’ve met your $1000 deductible for
covered health care services subject to the deductible.)

Network Provider (Preferred Provider)

A provider who has a contract with your health insurer or plan who has agreed to provide services to
members of a plan. You will pay less if you see a provider in the network. Also called “preferred provider” or
“participating provider.”

Out-of-network Provider (Non-Preferred Provider)

A provider who doesn’t have a contract with your plan to provide services. If your plan covers out-of-network
services, you’ll usually pay more to see an out-of-network provider than a preferred provider. Your policy will
explain what those costs may be. May also be called “non-preferred” or “non-particiapting” instead of “out-of-
network provider”.

Out-of-pocket Limit

The most you could pay during a coverage period (usually one year) for your share of
the costs of covered services. After you meet this limit the plan will usually pay 100%
of the allowed amount. This limit helps you plan for health care costs. This limit never
includes your premium, balance-billed charges or health care your plan doesn’t cover.
Some plans don’t count all of your copayments, deductibles, coinsurance payments,
out-of-network payments, or other expenses toward this limit.

For a complete glossary of health coverage and medical terms, visit www.healthcare.gov/sbc-glossary/

6

Medical Insurance Medical Insurance

Medical benefits provide you and your family access to quality health care. TKC is committed to providing you

with comprehensive medical benefits to meet your needs by offering a traditional PPO medical plan and a High
Deductible Health Plan (HDHP) option to choose from through UnitedHealthcare. Both plans include prescription
drug coverage and require an annual deductible be met before the coinsurance coverage is applied. Costs for
coverage are paid through pre-tax payroll deductions.

Ø Option to receive care from in-network or out-of-network BENEFIT TIP:
providers; higher benefits are paid when using in-network
providers FIND IN-NETWORK
PROVIDERS
Ø Preventive care is covered at 100% when using an in-
network provider To search for in-network medical
providers, log onto
Ø Includes prescription drug coverage www.myuhc.com.

Ø Deductibles and out-of-pocket maximums accumulate on OTHER ONLINE SERVICES
Calendar Plan Year with run January 1stthrough December
31st Once registered you can access
tools & resources to help manage
Ø If you enrolled in the High Deductible Health Plan (HDHP), your medical benefits, such as:
you can open and contribute to a Health Savings Account
(HSA) to help cover most of your medical plan costs (refer to • View Claims / EOBs
HSA for more information)
• View / Print ID Card
Ø Please refer to the Medical Plan Comparison Charts for a • Check Deductible / Out of
comparison of the plans
Pocket
Ø Always refer to your plan booklet for specific benefit levels
and limitations • Estimate Treatment Cost
• Price of Medication

Monthly Cost for Coverage

Employee Only Employee + Employee + Employee +
Spouse Children Family

HDHP $101.28 $385.08 $262.44 $552.30
PPO
$74.12 $302.00 $250.56 $505.36

7

Plan Annual Limits Medical Insurance

HDHP Plan PPO Plan

Plan Features In-Network Out-Of-Network In-Network Out-Of-Network

Calendar Year $3,500 Individual $3,500 Individual $2,000 Individual $4,000 Individual
Deductible $7,000 Family $7,000 Family $6,000 Family $12,000 Family

Out-of-Pocket $3,500 Individual $5,500 Individual $5,000 Individual $10,000 Individual
Maximum $7,000 Family $11,000 Family $10,000 Family $20,000 Family

(includes deductible
and all copays)

All individual deductibles and out-of-pocket maximum amounts will count toward the family annual maximum, but an individual will not have to pay more than
the individual annual maximum amount.

You're responsible for paying 100% of your medical expenses until you reach your deductible. For certain covered services, you may be required to pay a fixed
dollar amount - your copay. Once you’ve met your deductible, you start sharing costs with your plan - coinsurance. You continue paying a portion of the expense
until you reach your out-of-pocket limit. From there, your plan pays 100% of allowed amounts for the rest of the plan year.

What You Pay for Services

Below is a summary of what different services would cost you under each plan. Please refer to the Summary

of Coverages (SBC) foreach plan for more details and information, available during enrollment.

HDHP Plan PPO Plan

Plan Features In-Network Out-of-Network Designated Network In-Network Out-of-Network

Primary Care No copay* 30%* $20 copay $20 copay 50%*
Physician

Specialist No copay* 30%* $40 copay $50 copay 50%*

Preventive Care No copay Not Covered No copay No copay Not Covered

Virtual Visit No copay* Not Covered No copay No copay Not Covered

Lab Testing No copay* Not Covered $10 copay $100 copay Not Covered

Hospital/Emergency Room/Urgent Care

Inpatient No copay* 30%* 30%* 30%* 50%*

Outpatient No copay* 30%* 30%* 30%* 50%*

Emergency Room No copay* No copay1 30%* 30%* 30%*
Charges

Urgent Care No copay* 30%* $25 copay $25 copay 50%*

Mental Health/Substance Abuse

Inpatient No copay* 30%* 30%* 30%* 50%*

Outpatient No copay* 30%* $20 copay $20 copay 50%*

*After the Annual Deductible has been met.

8

Prescription Drug Coverage Prescription Drug Coverage

When you enroll in a medical plan, you receive comprehensive prescription drug coverage through your UHC
Medical Plan.

Some medications may be subject to prior authorization, quantity limits or step therapy requirements to be
approved for coverage. For a list of approved drugs, log onto uhc.welcometouhc.com/pharmacy-benefits

and search the Advantage 4-tier Prescription Drug List (PDL) to see the medications your plan covers and
specific coverage requirements.

HDHP PPO

Retail (up to 30-day supply) You Pay You Pay

Generic – Tier 1 Deductible then 0% $0 copay

Preferred Brand – Tier 2 Deductible then 0% $50 copay

Non-Preferred Brand – Tier 3 Deductible then 0% $75 copay

Specialty Brand – Tier 4 Deductible then 0% $150 copay

Home Delivery (up to 90-day supply) You Pay You Pay

Tier 1 / Tier 2 / Tier 3 / Tier 4 Deductible then 0% $0 / $125 / $187.50 / $375

Please note of the HDHP plan, the deductible will not apply to certain medications classified as preventive in accordance with the approved prescription
drug list.

THREE WAYS TO OBTAIN PRESCRIPTION DRUGS

1 RETAIL PHARMACY •Locate a participating retail pharmacy
•View a list of approved drugs
(up to 30-day supply)

2 HOME DELIVERY •Use for maintenance drugs such as medication for high
blood pressure arthritis or diabetes
(up to 90-day supply)
•Pay less than retail pharmacy for a 90-day supply
•No additional cost for delivery

3 SPECIALTY PHARMACY •Medications used to treat complex conditions like multiple
sclerosis, hepatitis C, and rheumatoid arthritis
(up to 30-day supply)
•Prescription can only be filled once every 30 days through
BriovaRx

9

Pharmacy At Your Prescription Drug Coverage
Fingertips

Fast, easy and secure. The
UnitedHealthcare website and app
gives you the information you need to
make the most of your pharmacy
benefit.

Convenient tools at home or on-the-go myuhc.com

Find drug prices and lower-cost alternatives Access your pharmacy benefits
online or from your smartphone or
View real-time benefits and claims history tablet.

Locate a network pharmacy

Access your ID card

Setup text message medication reminders online

Request a prior authorization for medication

Manage medication for covered dependents and spouses

If you use home delivery, you can:
• Request to transfer retail prescriptions to home delivery
• Track orders
• Refill home delivery prescriptions

Simple, current, personalized

• Save time — Skip the pharmacy line. Order medications you
take regularly online and make fewer trips to the pharmacy.

• Save money — Get 3-month supplies and you could pay less.
Orders are sent using free standard shipping.

Register online or download the
UnitedHealthcare® mobile app to
easily manage your prescriptions

today.

10

Additional UHC Programs Additional UHC Programs

The following programs are available to UHC health plan members and their covered dependents. Visit
UHC.com for more information on these and many more.

NURSE LINE

Connects members with a health care expert, who helps guide them through the right resources. UHC’s

registered nurses serve as advocates to help members find the right care, right provider, right medication

and right lifestyle.

ADVOCATE4ME

UHC provides health care advocates at no extra cost to members with qualifying health conditions as a way

to connect you with the resources you need and help you make informed health care decisions.

Advocates have access to a team of professionals skilled in clinical
care, emotional health, pharmacy, special needs, health care costs and
medical plan benefits. They’re here to provide you with the support you
need when you need it, for a more positive and effective experience.

Health care advocates have access to a full team of health

professionals, pharmacists and more, becoming a “one-stop” resource
for the following:

• Benefits and claims • Behavioral health

• Provider search • Enrollment support
• Pharmacy • Clinical support
• Health savings • Complex health care support
• Finances • And more

• Well-being
• Emotional health

CANCER SUPPORT PROGRAM

Have you or a loved one been diagnosed with cancer? UHC’s Cancer Support Program is available to your

and your dependents. This program covers all types of cancer and gives you and your family personal
support from an experienced cancer nurse. Please call 1-866-936-6002 TTY 711, Monday –Friday 7am-7pm

CST.

QUIT FOR LIFE PROGRAM

Start living a tobacco-free life. This program is here to help you reach your

goals at no additional cost to you. Get the support you need to quit your

way.

• Online support • Live Tobacco-Free Course

• Quit for Life Mobile app • Support from a Quit Coach

• Quite smoking medication • Text2Quite and messages

SANVELLO BEHAVIORAL HEALTH

Sanvello™ is an app that offers clinical techniques to help dial down the

symptoms of stress, anxiety and depression —anytime. Connect with tools that
are there for you right as symptoms come up, each designed to help you stay

engaged every day for benefits you can feel. The Sanvello app is available to

you and covered family members age 13 and over at no extra cost as part of
your plan’s behavioral health benefits.

• Daily mood tracking • Personalized progress

• Meditation tools • Community support

11 • Guided journeys

VIRTUAL THERAPY Additional UHC Programs

Reaching out may be hard —especially if you might not want anyone to know you’re hurting. From the
privacy of home and the convenience of your mobile device or computer, you can receive caring support
from a licensed behavioral health virtual therapist. Sign in or register on myuhc.com®. Then, go to Find a
Doctor > Behavioral Health Directory > People > Provider Type > TelementalHealth Providers.

HEALTHY PREGNANCY

With the UnitedHealthcare Healthy Pregnancy app, you get access to
resources to help you manage the health of your and your baby
throughout your pregnancy. Includes:

• 24/7 nurse support: one-click connection to a live nurse –
anytime, day or night.

• Medically approved pregnancy information: check symptoms,
learn what to expect during labor or your next doctor visit, and
more.

• Tracking tools and resources: built-in weight tracker, baby kick
counter and reminder, plus access to your pregnancy benefits,
cost estimator tools and more.

RALLY

Rally shows you how to make simple changes to your daily routine, set smart
goals and stay on target. You’ll get personalized recommendations on how to
move more, eat better and feel happier –and have fun doing it. Start with a
quickly health survey and get your Rally Age to help you assess your overall
health. Rally will then recommend missions for you: simple activities designed
to help immediately improve your diet, fitness and mood. Start easy and level
up when you’re ready.

REAL APPEAL

Real Appeal uses the secrets to weight loss that may help people lose
weight. They have proven experience in helping people develop simple
weight loss plans that actually work. This program includes:

• Expert coaching
• Personalized support
• Engaging entertainment
• Tools and tracking

PELOTON APP

Your health plan benefits include a 1-year Peloton Digital Membership —which gives you
access to the Peloton® App (available to you at no additional cost). Start your membership
today for access to everything the Peloton App offers, including thousands of live and on-
demand fitness classes —from cardio and HIIT to strength training and yoga. You and each
covered family member* can enjoy this benefit at no additional cost —just for being a
UnitedHealthcare member.**

APPLE FITNESS+

Effective November 1st, eligible UnitedHealthcare members with an Apple
Watch (Series 3 or later) will have access (at no-additional cost to you) to a
1-year Apple Fitness+ subscription. Get started at uhc.com/apple-fitness-
plus

12

Ways to Save Money Ways to Save Money on Medical & Rx Costs

USE IN-NETWORK DOCTORS ASK YOUR DOCTOR FOR GENERIC DRUGS

By using in-network doctors, clinics, hospitals and The next time you need a prescription, ask your
pharmacies, you pay the lowest cost for care. When doctor if it is appropriate to use a generic drug rather
you visit out-of-network doctors, our health plan than a brand name drug. Generic drugs contain the
covers less of the cost. same active ingredients, are identical in dose, for and
administrative methods AND are less expensive than
CHOOSE THE RIGHT TYPE OF CARE their brand name counterparts.

When you need care, know your options. Urgent If you must take a brand name drug, ask your doctor
care centers, online doctor visits or a call to the for samples or coupons. Also check the drug
medical plan nurse line can help save time and manufacturer’s website for available rebates and
money. discounts.

Also using a freestanding imaging facility instead of a SEARCH FOR CHEAPER RX PRICES
hospital for Advanced Radiology services, such as
MRIs & CT Scans, can save you on deductible Drug prices sometimes vary significantly between
expenses! pharmacies. GoodRx collects and compares prices
for every FDA approved prescription drug at more
USE YOUR PREVENTIVE CARE BENEFITS than 70,000 pharmacies.

Most preventive care services are covered at 100% Access GoodRx at www.goodrx.com to find the
when you use in-network providers. Getting regular lowest price pharmacy near you and/or print FREE
exams, screenings and immunizations can save you coupons. You can also get coupons on-the-go
a lot of money in the long run by catching problems through GoodRx’s mobile app – just show your
early or preventing them altogether. phone to the pharmacist.

USE HOME DELIVERY RX SERVICES Another resource is www.needymeds.org to find
lower cost RX and coupons/
Rather than visiting month after month, save time by discount programs.
having the medication delivered to your home.

Through UHC Home Delivery Pharmacy, you can
also save money by getting up to a 90-day supply
for less than what you would pay through a retail
pharmacy.

VIRTUAL VISITS

When you’re sick and need care quick, a Virtual Visit is a convenient way to start feeling better faster.

With a Virtual Visit, you can see the talk to a doctor via mobile device or computer –24/7, no appointment
needed. The doctor can give you a diagnosis and prescription*, if needed. And with a UnitedHealthcare plan,

your cost is $0.

Use a Virtual Visit for these common conditions:

• Allergies • Flu • Sore throats
• Stomach aches
• Bronchitis • Headaches/migraines • And more
• Eye infections • Rashes

To get started with a Virtual Visit, go to uhc.com/virtualvisits.

EMERGENCY CARE VS URGENT CARE

When you need help in a hurry, you have choices. Of course, when it’s a life-threatening problem, you
should call 911 or go straight to the nearest hospital emergency room (ER).

In the ER, true emergencies are treated first, so unless your life is in danger, you’ll wait – sometimes for hours.
The ER is also the most expensive option for cure. For non-life-threatening problems, call your doctor, call
your nurse line or go to an urgent care center.

13

UnitedHealthcare Online UnitedHealthcare Online

FIND ALL OF YOUR HAELTH PLAN INFORMATION IN ONE PLACE

Myuhc.com is your personalized member website to help you access and manage your medical plan details
24/7. Sign up today to easily access, manage your health plan details and access your health plan ID card.

FIND AND PRICE CARE

Find a provider and get personalized estimated for the services in your network, including
doctors, dentists, hospitals, labs and convenience and urgent care clinics. For minor health
concerns, register for Virtual Visits.

ACCESS CLAIM DETAILS

View your claims history and easily see how your claim was processed, what your plan covered
and what you may owe your provider. You can also access and submit claim forms and pay your
providers directly online.

GET AND STAY HEALTHIER

Discover wellness programs and activities where you can set and track health goals, and earn
rewards for taking health actions. Access discounts on health-related products and services.
Received preventive care recommendations and appointment reminders. Connect with other
members to get support and share health and wellness tips.

SEE WHAT’S COVERED

Easily see what your plan covers and how much it costs for common services, including
preventive care visits, urgent care visits, flu vaccines, chiropractic services and more. You also
have access to your plan documents, member handbook, required notices and welcome
materials.

CHECK YOUR PLAN BALANCES

Get quick access to review the status of your deductible, coinsurance and out-of-pocket limit.

EASILY ORDER PRESCIPTIONS AND MORE

Order prescription refills, compare prescription drug pricing, get cost estimates and find ways to
save on your medications.

UNITEDHEALTHCARE APP

Download the app to find nearby care options in your network, video chat
with a doctor 24/7, view and share your health plan ID card, or see your

claim details and progress toward your deductibles.

Download it for free on the App Store® and Google Play®.

14

Health Savings Account Health Savings Account (HSA)

Only those employees who enroll in the qualified High Deductible Health Plan are eligible to open a Health
Savings Account.

A Health Savings Account (HSA) is a tax-advantage savings vehicle available to individuals covered by a High
Deductible Health Plan (HDHP). Funds in the account are used to pay for qualified medical, dental and vision
expenses.

A HSA is a great way to save for the future. You can set aside money from each paycheck now and save
funds to cover healthcare expenses that come up later. Plus, your contributions are free from federal income
tax, so you’re stretching your healthcare dollars whole lowering your taxable take-home pay amount.

TKC will also make contributions to your HSA in the amount of $1,500 for Employee or $3,000 total for you +
1 other dependent covered, if you enroll in the HDHP plan. The employer HSA contribution is pro-rated
based on your benefit eligibility date. This is “free money” for your to use and pay for eligible healthcare
expenses.

HSA funds can only be used for yourself, your spouse and your taxable dependents. Expenses for other
dependents who do no qualify as tax dependents are not reimbursable under the HSA.

HSA’S ARE USED TO Ø NEVER LOSE YOUR SAVED MONEY
COVER ELIGIBLE:
Balance rolls over each year and accrues interest, do you won’t lose your
• Medical expenses contributions
• Dental expenses
• Vision expenses Ø TRIPLE TAX SAVINGS
• Coinsurance costs
• Prescriptions You do no pay federal tax* on:
• Glasses • Contributions to the account
• Orthodontia • Spending on qualified expenses
• Laser eye surgery • Interest that accrues
• And much more!
Ø TAKE YOUR MONEY WITH YOU

Your account is portable, so the funds are yours even if you change
medical plans next year or leave employment with our company in the
future.

Ø EARN ON THE MONEY YOU SAVE

Money left in the savings account earns tax-free interest

WHO CAN OPEN A HSA?

You can contribute to an HSA if you:
• Are covered under an HSA-qualified high deductible health plan (HDHP)
• Are not enrolled in any other medical insurance plan
• Are not enrolled in Medicare*, TRICARE or TRICARE for Life
• Cannot be claimed as a dependent on someone else’s tax return
• Have no received Veterans Affairs (VA) benefits within the past 3 months
• You (or your spouse) do not contribute to a Healthcare FSA

15

Funding & Enrolling in a HSA Health Savings Account

You have the option to contribute through pre-tax payroll contributions, in addition to your company
contribution, when your enroll in a HSA through Benefit Coordinators*.

To enroll in an HSA, you must first enroll in the HDHP medical plan. TKC will have your HSA established
through Benefit Coordinators on your behalf. You will then receive instructions following enrollment on how to
activate your account and establish a login and password. It is important to note that expenses are not
eligible for reimbursement until your HSA has been established.

Once your HSA is opened, remember to designate a beneficiary for this account.

*You also can choose to open an HSA through another financial institution; however, you would have to make after-tax contributions, they
would not be automatically deducted from your paycheck, and you would need to claim those contributions as a tax deduction when your
file your taxes.

2022 HSA CONTRIBUTIONS AND LIMITS

Each year, you can contribute up to the IRS annual limit for HSAs (which include TKC’s company contribution*)

IRS Annual Contribution $3,600 $7,200 Age 55+ Additional
Limit for 2021 $1,000

Company HSA Annual $1,500 $3,000
Contributions* Individual Family

*The Company contribution counts towards the HSA calendar year IRS contribution limits. Money used for non-qualified healthcare
expenses is subject to income tax, as well as an additional 20% penalty if you are younger than 65.

IMPORTANT:

Register for Your BCI HSA Account Right Away
After electing the HDHP medical plan in Employee Navigator, make sure to complete your
enrollment by creating an account at https://secure.myrsc.comJSAEnroll as soon as possible.
TKC is unable to deposit any contributions into your HSA account until you complete this step.
Expenses are NOT eligible for reimbursement until your HSA account has been activated in
BCI’s portal.

16

Flexible Spending Accounts Flexible Spending Accounts (FSA)

Flexible Spending Accounts (FSA) allow you to set money aside for certain eligible expenses and draw from it
throughout the year to pay for those expenses. The money is set aside pre-tax, reducing your taxable
income.

HEALTHCARE FSA (FSA)

Not available to HSA plan participants.
This FSA allows you to submit eligible medical, dental and vision expenses for reimbursement. You can
contribution up to $2,850 to the Healthcare FSA for January–December 2022 plan year.

LIMITED PURPOSE HEALTHCARE FSA (LPFSA)

Available to HSA plan participants only.
Using this account is conjunction with the HSA gives you the opportunity to save additional pre-tax money.
You can use the Limited Purpose Healthcare FSA for eligible dental and vision expenses only. You can
contribution up to $2,850 for the January–December 2022 plan year.

DEPENDENT CARE FSA (DCFSA)

Available to all benefit eligible employees.
Dependent Care FSAs are used to pay for the costs of dependent care that enable you to work. This care
may be for a child under age 13 and for older dependents, including children, spouses and parents who are
physically or mentally unable to care for themselves and who live with you for more than half the year.
Eligible expenses include daycare, before-school or after-school care, babysitters and elder daycare. For the
January–December 2022 plan year, you can deposit up to $5,000 to a DCFSA ($2,500 if you are married but
filing separately).

HOW THE FSA WORKS

As a new hire (and again during Open Enrollment), you select the amount of money you wish to deposit into
the Healthcare (or Limited Purpose) and/or the Dependent Care Account for the entire plan year. The plan
year for the FSA benefits is January–December 2022.The total amount is then equally divided by the number
of pay periods remaining in that year and that amount is deducted from each paycheck. The money is set
aside in your FSA account(s).

As you incur eligible expenses, you will submit a claim (along with copies of your receipts) to be reimbursed
for such expenses from the account. Employees who enroll in the Healthcare (or Limited Purpose) FSA will
receive an FSA debit card to pay for qualified purchased, eliminating the need to submit a paper claim and
wait for reimbursement.

FSA USE-IT-OR-LOSE-IT

At the end of the plan year, you will have 90 days to submit claims for reimbursement that incurred in that
plan year. FSA, LPFSA, and DCFSA benefits are Use-It-Or-Lose-It benefits, which means that if the
contributions you make into them are not used by the end of the plan year you will lose the remaining funds.

FSA & LPFSA ROLLOVER PROVISION

Even though FSA’s are use-it-or-lose-it, TKC’s healthcare FSA’s do have a rollover provision to help
participants who do not use all of their contributions by the end of the plan year. Participants with a FSA or
LPFSA (DCFSA participant accounts are NOT eligible) can rollover up to $570 of their unused funds into the
next plan year. Any unused funds over this limit will still be forfeited.

17

ACCESSING FSA ACCOUNT ONLINE Flexible Spending Accounts

You can view your FSA online 24/7 through www.bci4me.com. By accessing your account you can view
claims submitted, funds available and reimbursements issued.
Online Login Instructions

1. Open your internet browser and go to www.bci4me.com.
2. Under the “New User?” heading, click the “Create your new username and password” link.
3. Follow the prompts to set up your login. You will need your first and last name, zip code and SSN.
Once your login ID and password are set up, you can also access your account through our mobile app –
BCI4me.
Best Practice: Set up your login before you have any claims! Make sure to provide your email address and
check your notification preferences – click the Message Center Tab, then Update Notification Preferences.
Make sure the email notification for payments is allowed.

MANAGE YOUR FSA BENEFITS ON THE GO

Want a simple, easy way to check your healthcare account balances and submit receipts from anywhere?
The BCI4me app lets you securely access your health benefit accounts with a touch of a finger. Designed so
you can quickly find what you need most, our Mobile App provides easy, on-the-go access to all your health
accounts.

View balance information for all your account(s) right away.

Use the “I Want To” section to quickly take any number of
actions from filing claims to scanning items for eligibility and
more.

With the BCI4me app, you can get to the healthcare account information you need—fast. Wondering whether
you have enough money to pay a bill or make a purchase? BCI4me puts the answers at your fingertips*:

• Enjoy real-time access including an intuitive app design and navigation
• Log in to your account(s) with ease using your fingerprint
• Quickly check available balances and account details for medical and dependent care FSA plans
• View charts summarizing account information
• View in-app messages and text alerts that provide instant notifications about your account(s)
• Link to an external web page to obtain helpful information such as a list of eligible expenses
• Retrieve a lost username or password
• Use your device of choice – including Apple® and Android™-powered smartphones

Download the BCI4me app for your chosen device from the Apple App Store or Google Play and log in 18
using the password you use to access the Benefit Coordinators, Inc. consumer portal.

* Some functionality listed may require additional products and services

Dental Insurance Dental Insurance

TKC offers dental insurance through Sun Life. Your choice of dentists can determine the cost savings you
receive. Participating Sun Life Dental Network providers are paid directly by Sun Life and agree to accept
negotiated fess as “payment in full” for services rendered, no balance billing.

When you use a non-participating / out-of-network provider, SUN LIFE will pay claims based on the
90thpercentile (what 9 out of 10 dentist charge). You are responsible for paying the balance of the bill.

COMMONLY COVERED: Ø PROTECTS YOUR SMILE

• Exams & cleanings You can feel more confident with dental insurance that encourages
routine cleanings and checkups. Dental insurance helps protect your
• X-rays teeth for a lifetime.

• Fillings Ø PREVENTS OTHER HEALTH ISSUES

• Tooth extractions Just annual preventive care alone can help prevent other health issues
such as heart disease and diabetes. Many plans cover preventive
• Braces (for children & services at or near 100% to make it easy for you to use your dental
adults) benefits.

Ø LOWERS OUT-OF-POCKET EXPENSES

Seeing an in-network dentist can reduce your fees approximately 30%
from their standard fees. Add the benefits of your coinsurance to that
and things are looking good for your wallet.

Employee Monthly Cost for Coverage Employee + Family
Only
Employee + Spouse Employee + Children $108.84
$30.24
$62.76 $64.48

BENEFIT TIP:

Consider a Pre-Determination of Benefits

They allow Sun Life to review your provider’s treatment plan
to let you know before treatment is started how much of the
work should be covered by the plan and how much you may

need to cover. They are recommended for any dental
treatment expected to exceed $300.

19

WHAT’S COVERED Dental Insurance

Below is a summary of what different services would cost you under the plan. Please refer to the plan document
for more details and information.

Type of Service In-Network Out-of-Network
Calendar Year Deductible
$50 Individual / $150 Family
(Does not apply to Preventive Services)
Up to $1,500 per covered member
Annual Maximum
0% 0%
Preventive Services
20% 20%
(exams, cleanings, x-rays)
50% 50%
Basic Services
50% 50%
(fillings, simple extractions)
$1,000
Major Services

(oral surgery, root canal, crowns)

Orthodontia

(children and adults)

Orthodontia Lifetime Maximum

(per person)

FINDING A DENTAL PROVIDER

In-network coverage is provided when you use SUN LIFE DENTAL NETWORK providers. To search for

providers, go to www.sunlife.com/findadentist.

IMPORTANT:

If you do not enroll in dental benefits when you are first eligible, you will become a late entrant.
Late entrants will only be eligible for exams, cleaning and fluoride applications for the first 12
months they are covered.

20

Vision Insurance Vision Insurance

Routine eye exams are important for maintaining good vision and can also provide early warning of other
health conditions. The Sun Life VSP vision plan provides coverage for exams, glasses and contact lenses.

An ID care is not needed; give the group # 948971 and your SSN to your vision provider when obtaining
services. You can also download an electronic version of your ID card online.

COMMONLY COVERED: Ø PROTECTS YOUR EYES

• Annual exams You can help protect your eyesight by visiting an eye doctor regularly.
Vision insurance includes an annual comprehensive eye exam with an
• Lenses eye care doctor. Taking care of your eyes today can lead to a better
quality of life later.
• Frames
Ø PREVENTS OTHER HEALTH ISSUES
• Contact lenses
Just annual preventive care alone can help detect signs of
• Laser vision correction chronic health conditions such as high blood pressure and
discount diabetes. Early detection can be key before costly symptoms arise.

Ø LOWERS OUT-OF-POCKET EXPENSES

Seeing an in-network eye care provider can reduce your
expenses with savings on frames, lenses, contacts, eye exams and
more.

Monthly Cost for Coverage

Employee Employee + Spouse Employee + Children Employee + Family
Only
$12.79 $13.05 $20.65
$7.60

FINDING A VISION PROVIDER

In-network coverage is provided when you use Sun Life’s VSP providers. To search for providers, go to
www.vsp.com.

BENEFIT TIP:

Save More By Using In-Network Providers

You can receive up to a 20% discount on additional services
such as UV tinting, scratch resistance, etc. when using an in-

network vision provider.

21

WHAT’S COVERED Vision Insurance

Below is a summary of what different services would cost you under the plan. Please refer to the plan document
for more details and information.

Plan Features Frequency In-Network Out-of-Network
(based on the last date of (what you would pay) (plan allowance/
reimbursement)
service you received)

Eye Exam Once every 12 months $10 copay Up to $45

Laser Vision Correction Once per eye per lifetime Average 15% off the N/A
Discount regular price or 5% off the Up to $30

Prescription Lenses promotional price.
Single Vision
Discounts only available
from contracted facilities.

Bifocal Once every 12 months $25 copay Up to $50
Trifocal Up to $60

Lenticular $55 copay Up to $100
$95 - $105 copay
Lens Enhancements N/A
Standard N/A

Premium progressive

Custom progressive $150 - $175 copay N/A

Other Once every 24 months Average savings of 20-25% N/A

Frames $130 for the frame of Up to $70
your choice and 20% off
Contact Lenses Up to $105
Elective the amount over your Up to $210
Medically Necessary allowance
N/A
Additional glasses and $70 allowance at Costco®
sunglasses discount and Walmart®*

Coverage with retail Once every 12 months $130 allowance
providers instead of glasses $25 copay

20% off complete pairs of prescription and
nonprescription glasses, including sunglasses.
Discounts are unlimited for 12 months following exam.

*Coverage with retail providers may be different. Check
with Costco for VSP member pricing. Costco and
Walmart allowance is equivalent to the allowance at
preferred providers and other retail providers.

22

Life and AD&D Life and Accidental Death & Dismemberment (AD&D)

COMPANY-PAID BASIC LIFE AND AD&D INSURANCE

TKC provides Basic Life insurance coverage of a flat $200,000. This coverage includes an Accidental Death

and Dismemberment (AD&D) provision that pays and additional $200,000 in the event of accidental death
and certain other conditions. Basic Life and AD&D insurance is administered by Sun Life and is paid for by

TKC. You are automatically enrolled in these benefits. Benefit amounts begin to reduce at age 65. Please

refer to the benefit summary for details.

(According to federal law, only the first $50,000 of employer-paid life insurance is not taxable. Premium paid by TKC for coverage levels
over $50,000 will be taxable to you and will be included on your year-end W-2 statement.)

Benefit Coverage

For you • $200,000 coverage provided by TKC

• Benefits are reducted tp 65% at age 65, to 40% at age 70, to 25% at age 75, and to
15% at age 80.

• Your coverage ends at termination of employment or retirement.

Accidental Death & Dismemberment (AD&D) Coverage

This coverage includes an equal amount of AD&D insurance that provides a benefit if you suffer a covered

accidental injury or die from a covered accident.

Accidental Injury The plan Accidental Injury The plan pays
Accidental death pays
Quadriplegia 100% Loss of speech only or hearing only 50%
Loss of sight in one eye 100% 50%
Loss of limb (arm or leg)
50% 25%
Loss of thumb and index finger on
same hand

This is a partial list. Refer to the certificate for the full list of covered accidental injuries.

VOLUNTARY LIFE AND AD&D INSURANCE

The people you love and support could face financial challenges if you were no longer around. Life
insurance provides your loved ones with money they can use for household expenses, tuition, mortgage
payments and more.

As a new hire, you can purchase Voluntary Life insurance for you, your legal spouse and dependent children
without providing medical information up to a certain guarantee issue (GI) amount (see chart). If you leave
TKC this coverage can be taken with you. To enroll in Voluntary Spouse and/or Child Life, you must be
enrolled in Voluntary Employee Life.

When you enrolled in Voluntary Life for yourself, your legal spouse or dependent children, you will also be

automatically enrolled in Voluntary AD&D coverage in increments and maximums equal to the Voluntary Life
benefit.

Employee and spouse amounts applied for over the GI as a new hire will require you to provide Evidence of
Insurability (EOI) for review and approval by Sun Life.

If you elect not to enroll within 30 days of your date of hire, you will still be able to purchase coverage in the
future, however, ALL amounts elected will be subject to the EOI requirements provision. At that time, if your EOI
is no satisfactory to Guardian, you will not have Voluntary Life coverage.

23

HOW IT WORKS Life and AD&D

You have the opportunity to purchase additional life insurance, beyond what your employer has provided

for you. Your employer is offering you and your coworkers this coverage as a group, at a group rate. You
are responsible for paying all or a portion of the cost. Choose the benefit that best meets your needs and

your budget.

Benefit Coverage

For you • You can choose from $10,000 to $300,000—in increments of $10,000, not to exceed 5
times your basic annual earnings— with no medical questions asked up to the
Guaranteed Issue amount of $100,000.

• The benefit amount is reduced to 65% at age 65, to 40% at age 70, to 25% at age 75, and
to 15% at age 80.

• Your coverage ends at termination of employment or retirement.

For your • If you elect coverage for yourself, you can choose from $5,000 to $150,000—in
spouse increments of $5,000 —with no medical questions asked up to the Guaranteed Issue
amount of $50,000. (The amount you select for your spouse cannot exceed 50% of your
coverage amount.)

• Spouse rates are based on employee’s age.

• The benefit amount is reduced to to 65% when your spouse turns age 65.

• Coverage ends when your spouse turns age 70.

For your • The benefit amount may be reduced when the employee benefit amount is reduced.
child(ren)
• If you elect coverage for yourself, you can choose 50% of your coverage, up to a
maximum of $10,000.

• The benefit amount may be reduced when the employee benefit amount is reduced.

• A full benefit is payable for a dependent child who is 6 months to age 26. A reduced
benefits of $1,000 is payable for a child from birth to 6 months.

*Guarantee Issue is the amount of coverage you or your depends can elect up to without medical questions. Guarantee issues is only
available to newly benefit eligible employees.

24

Disability Insurance Disability Insurance

SHORT-TERM DISABILITY (STD)

Imagine you hurt your back, and your doctor recommends you stay home from work for four weeks. Or
imagine you just delivered twins. You can’t work, but you have bills to pay. Short-term disability replaces part
of your income if you can’t work for a short time due to a covered disability. You can use the weekly check to
help pay everyday expenses, like your mortgage or rent, utilities, childcare and groceries.

COMMON CAUSES HOW STD WORKS
OF DISABILITY:
This coverage is provided by TKC at no cost to you!
• Pregnancy
Benefit Amount* You will receive a check for your benefits on a weekly
• Injuries basis. It will cover 60% of your weekly salary, up to $700 or
$1,500 per week*.
• Musculoskeletal
disorders Benefits Begin Benefits begin as soon as 1 day from the date you are
unable to work due to an injury and 8 days due to an
• Digestive disorders illness.

• Cancer Up to 26 weeks, as long as you are still unable to work due
to a covered disability.
Benefit Duration

Additional plan This plan provides a benefit for a disabling illness
information (including pregnancy) or injury that is not work-related.

What did Short-Term Disability insurance mean for Joyce?

Joyce was out apple-picking when she fell off the ladder and
broke her ankle. Her injury left her unable to work at her job
while she had surgery and recovered at home.

• Joyce filed a claim with Sun Life. We reviewed her
medical information and job description and approved
her claim.

• Joyce started receiving her weekly benefit, which
helped her pay rent, buy groceries and cover the co-
pays for doctor visits.

• Six weeks later, Joyce was back at work.

25

LONG-TERM DISABILITY (LTD) Disability Insurance

Long-Term Disability (LTD) benefits are provided as income protection in the event you become disabled for
an extended period. Coverage will start automatically following an approved STD claim ending. Proof of
disability is required.

HOW LTD WORKS

This coverage is provided by TKC at no cost to you!

Benefit Amount* You will receive a check for your benefits on a monthly basis. It will cover 60%
of your monthly earnings, up to $7,500 or $10,000 each month.

Benefits Begin Benefits begin as soon as 180 days.

Benefit Duration Until you reach the Social Security Normal Retirement Age—as long as you are
still unable to work due to a covered disability.

Pre-Existing Condition Claims for newly covered employees will be denied if you received medical
treatment, medical advice, care or services or took prescribed drugs or
medicines in the last 3 months prior to the effective date of this coverage and
the disability began in the first 12 months after your effective date of coverage.

BENEFIT TIP:

Get your claim paperwork in as soon as possible.

Sun Life may at time need additional information from your
doctor regarding your disability. This can slow down the

approval and payment of your claim. To avoid lapses in your
income, the sooner you are able to submit your claim to Sun

Life the better.

26

Optional Protection Benefits Optional Protection Benefits

TKC offers additional voluntary benefit plans through Sun Life. These plans are not medical insurance and
do not replace your medical coverage, but rather pay cash directly to you in addition to any benefits you
received from your health plan.

Insurance policies available for purchase (through after-tax payroll deductions) include Critical Illness,
Accident and Hospital Indemnity. These benefits may help fill the gap until your meet your medical plan
deductible. Plan summaries can be found on Employee Navigator.

ACCIDENT INSURANCE

Accident insurance is an extra layer of protection that gives you a cash payment to cover out-of-pocket
expenses when you or your covered family members suffer injuries sustained in an accident. Covered injuries
include fractures, burns, concussions, tears, lacerations, broken teeth and eye injuries. Additional benefits
may be paid, including ambulance, emergency care, testing and therapy.

Coverage Details Low/Off Job High/Off Job

Accidental Death Amount $25,000 $50,000

Accidental Death Common Carrier $100,000 $200,000

Dismemberment (hand, foot, sight) $15,000 $50,000

Ambulance (ground) $300 $400

Hospital Admission (once per benefit year) $1,500 $2,000

Lacerations Up to $250 Up to $500

Dislocations Up to $4,000 Up to $8,000

X-Ray $50 $100

Wellness Benefit (annual) $150 $150

*Life and dismemberment losses: Benefits displayed are payable for the employee only. Spouse benefits are 50% of the employee benefit
amount for death and 50% of the employee benefit amount for dismemberment. Dependent children benefits are 25% of the employee benefit
amount for death and 25% of the employee benefit amount for dismemberment. See additional benefits in the benefit summaries online in EE
Navigator.

Monthly Cost for Coverage

Low Plan Employee Only Employee + Employee + Employee +
High Plan Spouse Child(ren) Family
$12.62
$15.77 $16.56 $17.61 $21.55

$22.21 $25.43 $31.87

27

CRITICAL ILLNESS INSURANCE Optional Protection Benefits

Critical illness insurance may help you cover expenses not covered by your health insurance. It provides

payouts for critical conditions such as heart attack, strokes, coma, major organ failure, cancer and many
more. This plan also includes an annual $150 health screening benefit. Below is an abbreviated description of

your benefits. Rates are age banded.

Employee Spouse Child

Benefit Amount Benefit amounts may range Benefit amounts may range Flat $5,000
from $5,000 to $40,000 in from $5,000 to $20,000 in
$5,000
$5,000 increments $5,000 increments N/A

Guaranteed Issue Amount $40,000 $20,000

Eligibility Waiting Period N/A N/A

Coverage Details 1st Occurrence 2nd Occurrence
Invasive Cancer 100% 100% of face amount
Non-Invasive Cancer 25% 25% of face amount
Heart Attack 100% 100% offace amount
Stroke 100% 100% of face amount
Organ or Kidney Failure 100% 100% of face amount
Loss of Hearing, Sight, or Speech 100%
Coma 100% N/A
Wellness Benefit (annual) $150 N/A
N/A

What did Critical Illness insurance mean for Denise?

Denise had a heart attack in her mid-40s. Her medical expenses piled
up at the worst possible time.

1. Denise filed a claim with Sun Life. We reviewed her medical
information, including details from her physician and approved her
claim.

2. Denise received her cash benefit which helped her pay her
medical deductible and copays, and travel expenses for medical
appointments.

3. The insurance allowed Denise to focus on her recovery, and less
on her bank account

28

Optional Protection Benefits HOSPITAL INDEMNITY INSURANCE

Hospital Indemnity insurance policy can help by paying lump-sum benefits to help you manage expenses

that arise if you or an eligible family member ends up in the hospital. You can use the money however you’d
like –from paying for medical copays and deductibles to everyday expenses such as the mortgage,

transportation, groceries and utilities. There are no copays, deductibles, coinsurance or network

requirements. These benefits aren’t reduced because you receive a payment from any other coverage you
have, such as Medical, Accident or Critical Illness Insurance.

Coverage Details Low/Off Job High/Off Job
First Day Hospital
Hospital Confinement $500 per day $1,500 per day
ICU Confinement 1 day 1 day
Newborn Care
$100 per day $150 per day
30 days 30 days

$100 per day $150 per day
10 days 10 days

Complications only Complications only

Normal Pregnancy Included Included

Extended Hospitalization $100 per day $100 per day

Substance Abuse Included Included
$150 $150
Wellness Benefit

(1 day per insured per benefit year)

Monthly Cost for Coverage

Employee Only Employee + Employee + Employee +
Spouse Child(ren) Family

Low Plan $22.44 $39.89 $30.43 $47.88
High Plan
$36.03 $66.59 $49.30 $79.86

29

Sun Life Online Account Sun Life Online Account

With your Sun Life account, you can access your personal plan information, submit and view claims, and
apply for Evidence of Insurability.

CREATING YOUR ACCOUNT FORGOT YOUR USERNAME?

1. Navigate to our secure website at 1. Navigate to our secure website at
www.sunlife.com/account www.sunlife.com/account

2. On the Sign In page, select New User? Create an 2. Under Sign-in help, click I forgot my username.

account. 3. Enter the email address associated with your

3. Enter your name and email address, and then username.

click Continue. You will receive an email from Sun 4. Answer security questions correctly.
Life to verify your email address.

4. Click the link provided in your email verification 5. Receive your username on the next page.

and you will receive additional screens to FORGOT YOUR PASSWORD?
complete your account registration.

5. Select Member for the type of account you need. 1. Navigate to our secure website at
Select your primary reason for registering and www.sunlife.com/account

we’ll present identifying options that will work for 2. Under Sign-in help, click I forgot my password.

your registration type, such as Social Security 3. Enter your username and submit your request.
Number, Member ID, Employee ID, claim number,
4. Answer security questions correctly.
or policy number.

6. Complete steps 2-4 requesting personal 5. If you are unable to correctly answer the
information, account security, and then accept
the terms and conditions. Click Continue. questions, please contact us at 800-247-6875 for
assistance.

7. You will receive a confirmation page letting you 6. Enter a new password using the following
know your registration is complete. criteria:

Username: Must be 8-30 characters with no spaces 7. Contains 8 to 32 characters including at least one
Password: or special symbols number, one lowercase letter and one uppercase
letter.
Must have 8-32 characters, including at
least one number, one lowercase letter, 8. Does not contain special characters or
and one uppercase letter. Password can punctuation.
only contain letters and numbers and
cannot have any spaces or special 9. Does not have any spaces.
characters.
10.Receive confirmation that your password has
been reset.

Need assistance with your account? Contact Sun Life at 800-247-6875.

30

EAP Employee Assistance Program (EAP)

We understand how challenging it can be to balance your work and personal life, and we are committed to
helping you do just that. Offered through Sun Life, the ComPsych EAP program can provide you and your

family and household members with information and assistance on a wide range of topics and issues
including work stress, debt problems, family issues, relationship worries, parenting challenges, anxiety,
grief and much more.

CONFIDENTIAL EMOTION SUPPORT LEGAL GUIDANCE

Highly trained clinicians will listen to your concerns Talk to our attorneys for practical assistance with
and help you or your family members with any your most pressing legal issues, including:

issues, including: • Divorce, adoption, family law, wills, trusts and

• Anxiety, depression, stress more
• Grief, loss and life adjustments Need representation? Get a free 30-minute

• Relationship/marital conflicts consultation and a 25% reduction in fees.

WORK-LIFE SOLUTIONS FINANCIAL RESOURCES

Our specialists provide qualified referrals and Our financial experts can assist with a wide range of
resources for just about anything on your to-do list, issues.
such as:
• Retirement, taxes, mortgages, budgeting and
• Finding child and elder care more
• Hiring movers or home repair contractors
• Planning events, locating pet care For additional guidance, we can refer you to a local
financial professional and arrange to reimburse you
ONLINE SUPPORT for the cost of an initial one-hour in-person consult.

GuidanceResources® Online is your 24/7 link to vital FREE ONLINE WILL PREPARATION
information, tools and support. Log on for:
EstateGuidance® lets you quickly and easily create a
• Articles, podcasts, videos, slideshows will online.
• On-demand trainings
• “Ask the Expert” personal responses to your • Specify your wishes for your property
• Provide funeral and burial instructions
questions • Choose a guardian for your children

HELP FOR NEW PARENTS

ParentGuidanceSM supports you through the process

of becoming a biological or adoptive parent,
including:

• Preparing for the baby emotionally and

financially

• Finding child care
• Planning for back-to-work and other issues

WHAT HAPPENS WHEN I CALL FOR COUNSELING SUPPORT?

When you call, you will speak with a GuidanceConsultantSM, a master’s- or PhD-level counselor who will
collect some general information about you and will talk with you about your needs. The
GuidanceConsultant will provide the name of a counselor who can assist you. You will receive counseling

through the EAP up to 3 sessions per issue, per person, per calendar year. You can then set up an
appointment to speak with the counselor over the phone or schedule a face-to-face visit.

31

WHAT COUNSELING SERVICES DOES THE EAP PROVIDE? EAP

The EAP provides free short-term counseling with counselors in your area who can help you with your
emotional concerns. If the counselor determines that your issues can be resolved with short-term
counseling, you will receive counseling through the EAP. However, if it is determined that the problem
cannot be resolved in short-term counseling in the EAP and you will need longer-term treatment, you will be
referred to a specialist early on and your insurance coverage will be activated.

GUIDE TO USING GUIDANCERESOURCES® ONLINE

First-time users, follow these simple instructions and start exploring the resources offered to you on
GuidanceResources Online.

1. Go to guidanceresources.com and click the Register tab.
2. You will then be asked to enter your Organization Web ID.

Your Company/Organization Web ID: EAPBusiness
1. On the next page, you will be asked to enter the first five (5) characters of the name of your company or

organization. When you’ve finished, click the Submit button on the bottom of the page. Your Company
Name (first five [5] characters): XXXXX (Space)
4. On the next page, you will be asked to select your company from a dropdown menu. When you’ve
finished, click the Submit button at the bottom of the page.
5. You will then be asked to enter a Username and Password. Both can be anything you would like but
should be something you will remember. The Username (often your name) must be at least six
characters long and should have no spaces (for example: joesmith). Make sure that you complete all
fields that have red asterisks. These are required fields. When you’ve finished, click the Submit button at
the bottom of the page.
If you have any problems registering or logging in, email Member Services at
[email protected]

32

Assist America Assist America

Emergency Travel Assistance and Identity Theft Protection through Assist America are extra services that
are included as part of your Sun Life Coverage and are free for you and your dependents.

EMERGENCY TRAVEL ASSISTANCE

If you have a medical emergency while you are more than 100 miles away from home, you don’t have to
face it alone. With one simple phone call, you can be connected to Assist America’s staff of medically
trained, multilingual professionals who can advise you in a medical emergency, 24x7. No matter where you
are in the world, they will help you access or receive:

• pre-qualified, English-speaking professionals working in hospitals, pharmacies, and dental offices
• medical consultation, evaluation, and referral
• hospital admission and critical care monitoring
• emergency medical evacuation
• transportation to return home or to a rehabilitation facility
• lost prescription assistance
• legal and interpreter services, and more.
You or your family (whether traveling together or separately) can activate Assist America’s emergency
services with one call. Assist America pays for 100% of the services it arranges for and provides.

IDENTITY THEFT PROTECTION

Identity theft is a serious crime. Each year, millions of Americans have their personal financial information
stolen and must spend a significant amount of time and money to restore their records. If you ever become
a victim of identity theft, you don’t have to face it alone.
You have the support of a comprehensive Identity Theft Protection program through Assist America’s
SecurAssist Identity Protection program. It provides:

• 24x7 telephone support and step-by-step guidance by anti-fraud experts
• a case worker assigned to you to help you notify the credit bureaus and file paperwork to correct

your credit reports
• help canceling stolen cards and reissuing new cards, and
• help notifying financial institutions and government agencies.

You can also help stop identity theft before it happens:
• You can securely store information from credit cards, bank cards, and documents in one safe,
centralized location. If any information ever becomes lost or stolen, retrieval is easy and the
resolution process can begin.
• You can register for identity fraud protection surveillance of up to 10 credit or debit cards.
• Registered cards are monitored using sophisticated real-time early warning technology that monitors
underground chat rooms across cyberspace, where thieves are selling and trading stolen personal
information.
• You receive early warning of potential threats and are notified if your identity has been misused.

33

ASSIST AMERICA APP Assist America

Wherever your travels take you, you can conveniently access a wide range of travel emergency assistance

services from your phone by downloading the free Assist America Mobile App for iPhone and Android.

Tap for Help Voice Over Internet Protocols Travel Status Indicator
Avoid international phone charges by calling This feature lets you know when you
One-touch call to our 24/7
Emergency Operations Center us for free using a Wi-Fi connection are eligible for services

Mobile ID Cards 7 Languages U.S. Pharmacy Locator

Your Assist America ID card is The app is available in English, Spanish, Locate U.S. pharmacies near your

conveniently stored within the app Arabic, Mandarin, Thai, Bahasa, & French current location

Embassy Locator Pre-Trip Information Assist Alerts

Locate the nearest embassy / Detailed country-specific information to Receive alerts on urgent global

consulate of 23 countries assist you as you prepare your trip situations that may impact travel

1 2 3

Scan the code Setup the app by Enter your home
below to download entering your address to enable
the mobile app for the Travel Status
reference number: Indicator feature
free
01-AA-SUL-100101

Emergency Travel Assistance Identity Theft Protection

If you or your family member has a medical If you are the victim of financial or medical identity

emergency and are more than 100 miles fraud, or if you’d like to store your card information
from home, call or e-mail:
in one central location, call:

800-872-1414 609-986-1234 877-409-9597 01-AA-SUL-100101
Within the U.S. Membership Number
Within the U.S. Outside the U.S.

[email protected] To proactively protect your credit cards, register
them for Identity Fraud Protection surveillance:
E-mail
www.assistamerica.com/sunlife 18327
01-AA-SUL-100101
Access Code
Membership Number

34

Retirement Plan Retirement Plan

TKC’s 401(k), administered by Empower, is a retirement savings plan designed to allow eligible employees to
supplement any existing retirement and pension benefits by saving and investing through a voluntary salary

contribution. Contributions can be made on a pre-or post-tax basis. All company contributions will be
deposited on a pre-tax basis.

CONTRIBUTIONS

The plan allows you to contribute up to 100% of your Eligible Pay (up to the annual contribution level) through

convenient payroll deductions. At your election, these may be either pre-tax or Roth after-tax (401(k)

contributions, depending on whether they are deducted before or after federal income taxes are withheld, or
a combination of both.

If you contribute… Then TKC will contribute..

EMPLOYER MATCHING CONTRIBUTIONS 2% of comp 1% of comp

If you elect or make contributions (either pre-tax, ROTH, or

both) to the Plan, TKC will make matching contributions to 4% of comp 2% of comp
your account as well. These contributions will be equal to 50% 6% of comp 3% of comp
of your elected deferral amount, up to 4%. Please note, any

contributions you make above 8% will not be eligible for a 8% of comp 4% of comp
matching contribution.

VESTING Over 8% of comp 4% of comp

Your contributions (including rollovers from previous employers) and any earning they generate are always

100% vested. Any employer contribution is also immediately 100% vested.

PLAN ALSO INCLUDES:

• Rollovers

• Investment Options
• Online Advice Service

• Loans

ENROLLING IN THE PLAN

After you are hired, we encourage you to begin participating in the Plan as soon as possible after your first
day of employment. When you enroll, you choose the percentage of Eligible Pay you want to contribute –
from 1% to 50% of your Eligible Pay. You will also choose investments for your Account. If you have an email
address on file, you will receive an email confirming that your enrollment request has been received. Your
Plan contributions will be deducted from your paycheck as soon as administratively possible after you enroll.

Online

To register your account online for the first time and complete your enrollment:
• Visit www.empowermyretirement.com
• Select the REGISTER button.
• Choose the ‘I do not have a PIN’ tab
• Follow the prompts – the website will guide you through the account registration process
• If Empower doesn’t have your email or phone number on file yet, or if you have another account with
Empower (with a former employer, for example), you will need to call them to access your new plan
account.

The next time you access your account, choose ‘Login’.

Mobile Phone

You can use a smart mobile phone to scan the following QR code to be taken directly to
Empower’s website.

35

Paper Retirement Plan

While completing your enrollment online is strongly recommended, paper forms are also available if needed.
You will need to complete the form and return it to your Human Resources Department for processing. If you
use the paper enrollment process, within 5 business days your form should be processed, and you will be
able to register for web access with Empower. Please go to Empower’s home page and click Register, then
follow the prompts to complete the website registration process. *Please contact your Human Resources
department to obtain if needed.

Changing Your Deferral Rate

You can change the amount you want to contribute to the Plan at any time throughout the year. You can
request your changes either online by logging in to your account at www.empowermyretirement.com, by
calling Empower Retirement at 800-338-4015 Monday-Friday, 8am – 10pm EST, or by completing a paper
change form from your Human Resources Department. In order to be effective for a payroll, changes must
be received no later than the Thursday prior to to pay date it is effective on.

FOR MORE INFORMATION:

Visit www.empowermyretirement.com or

call Empower Retirement at
800-338-4015

36

Cost of Coverage by Payroll Cost of Coverage by Payroll

Coverage UnitedHealthCare – HDHP Medical Plan Per weekly pay
(48 pays/yr)
Employee Only Per semi-monthly pay $25.32
Employee + Spouse (24 pays/yr)
Employee + Child(ren) $50.64 $96.27
Employee + Family
$192.53 $65.61

$131.22 $138.08

$276.15

Coverage UnitedHealthCare – PPO Medical Plan Per weekly pay
(48 pays/yr)
Employee Only Per semi-monthly pay $18.53
Employee + Spouse (24 pays/yr)
Employee + Child(ren) $37.06 $75.50
Employee + Family
$151.00 $62.64

$125.28 $126.34

$252.68

Coverage Dental – Sun Life Per weekly pay
(48 pays/yr)
Employee Only Per semi-monthly pay $7.56
Employee + Spouse (24 pays/yr)
Employee + Child(ren) $15.12 $15.69
Employee + Family
$31.38 $16.12

$32.24 $27.21

$54.42

Coverage Vision – VSP through Sun Life Per weekly pay
Employee Only (48 pays/yr)
Employee + Spouse Per semi-monthly pay $1.90
Employee + Child(ren) (24 pays/yr)
Employee + Family $3.80 $3.20

37 $6.40 $3.36

$6.53 $5.16

$10.33

Accident Insurance – Sun Life Cost of Coverage by Payroll

Coverage Per semi-monthly pay Per weekly pay
(24 pays/yr) (48 pays/yr)
Employee Only
Employee + Spouse Low Plan High Plan Low Plan High Plan
Employee + Child(ren)
Employee + Family $6.31 $7.89 $3.16 $3.95

Coverage $8.28 $11.11 $4.14 $5.56

Employee Only $8.81 $12.72 $4.41 $6.36
Employee + Spouse
Employee + Child(ren) $10.78 $15.94 $5.39 $7.97
Employee + Family
Hospital Indemnity – Sun Life

Per semi-monthly pay Per weekly pay
(24 pays/yr) (48 pays/yr)

Low Plan High Plan Low Plan High Plan

$11.22 $18.02 $5.61 $9.01

$19.95 $33.30 $9.98 $16.65

$15.22 $24.65 $7.61 $12.33

$23.94 $39.93 $11.97 $19.97

38

Contact Information Contact Information

For general information and questions you can contact your Human Resources Benefits Team.

Kimberly Slifer, SHRM-CP Desiree Gill, CPP, SHRM-SCP

Benefits Administrator Director of Human Resources
[email protected] [email protected]
(907) 771-8205 (907) 771-8214

Refer to the list below when you need to contact one of your benefit vendors.

BENEFIT ENROLLMENT FLEXIBLE SPENDING ACCOUNTS

Employee Navigator Benefit Coordinators
www.employeenavigator.com/benefits Customer Service: 800.951.1012x100
www.bci4me.com

MEDICAL & PRESCRIPTION LIFE/AD&D AND DISABILITY

UnitedHealthcare SunLife
Customer Service: 866.414.1959 Customer Service: 800.247.6875
www.myuhc.com www.sunlife.com/account

HEALTH SAVINGS ACCOUNT (HSA) ACCIDENT, CRITICAL ILLNESS,

Benefit Coordinators HOSPITAL CONFINEMENT
Customer Service: 800.951.1012x100
www.myhsatoday.com/parksterlingbank SunLife
www.benefitcoordinators.com Customer Service: 877.820.5306
www.sunlife.com/account

DENTAL EMPLOYEE ASSISTANCE PROGRAM

SunLife Dental Network (EAP)
Mon.–Thurs.: 8am to 8pm ET
Fri: 8am to 7pm ET SunLife–EAPBusinessClass -GuidanceResourecs
Call: 800.442.7742 Customer Service: 877.595.5281
Online: www.sunlife.com/account www.guidanceresources.com
Find a Dentist: www.sunlife.com/findadentist

VISION

Sun Life –VSP
Customer Service: 800.877.7195
www.vsp.com

39

Required Notices Required Notices

The U.S. government requires companies offering certain employee benefit plans to inform covered
employees and their dependents about laws/provisions that affect the governance and/or coverage within
those plans.
Our company has full details available for you concerning the following laws/provisions:

• Notice of HIPAA Special Enrollment Rights
• Medicare Part D Notice
• Children’s Health Insurance Program (CHIP) Notice
• Notice of Patient Protection Provisions
• COBRA Notices
• Medical Child Support Order Notice
• Women’s Health and Cancer Rights Act
• Newborns’ & Mother’s Protections
• GINA Notice
• Mental Health Parity and Addiction Equity Act (MHPAEA) Notice Marketplace / Exchange Notice
• Summary of Benefits and Coverage
• Grandfathered Notice
• Section 123 Pre-Tax Notice
• SPD / Wrap Plan Document
For complete information and more detailed explanations about any of these notices, log onto
www.employeenavigator.com/benefits. Also, from time to time, you may receive detailed explanations
directly from the company via letter or email.

40


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