2019 Benefits Guide

2019
GUIDE
TO YOUR
BENEFITS

REGULAR FULL-TIME EMPLOYEE

1500 Plan - 3000 Plan

THE

COM PAN I E S



Table of Contents

Eligibility and Making Changes. . . . . . . . . . . . . . . . . . . . 5
Medical Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
Prescription Plan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
Wellness Incentive Program. . . . . . . . . . . . . . . . . . . . . . 1 0
Health Savings Account (HSA). . . . . . . . . . . . . . . . . . . 1 2
Flexible Spending Account (FSA). . . . . . . . . . . . . . . . . 1 3
Dental Benefits.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 4
Vision Insurance.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 5
Hearing Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 6
Hospital Indemnity,
Critical Illness & Accident Insurance.. . . . . . . . . . . . . . 1 7
Basic Life Insurance.. . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 8
Supplemental Life Insurance.. . . . . . . . . . . . . . . . . . . . . 1 9
Disability Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 0
Retirement- 401 (k) & Profit Sharing Plan. . . . . . . . . . . 2 1
Employee Assistance Program.. . . . . . . . . . . . . . . . . . . 2 2
Best Doctors. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 3
Blue Cross Resources. . . . . . . . . . . . . . . . . . . . . . . . . . . 2 4
Other Services.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 5

Learn to Live.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 5
Direct Path. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 5
Important Information & Notices. . . . . . . . . . . . . . . . . . 2 6
Contact Information. . . . . . . . . . . . . . . . . . . . . . . . . . . 2 8

MARVIN
TOTAL REWARDS

The Marvin Companies offers you choices in benefits to match your needs, whether you are single,
married or have others depending on you for their well-being. Please take the time to consider your
benefit choices and enroll or change your elections before the enrollment deadline.

WELCOME

Choosing the right benefits makes a difference.

WHAT TO DO

Follow these steps to be sure you enroll in your benefits for 2019:

1 2 3 4

REVIEW this guide and visit CHOOSE benefits that best ASK QUESTIONS of your ENROLL by logging into
your Online Benefits Portal at meet your needs. Human Resources department your Online Benefits Portal at
www.marvin.bswift.com for to make sure you know what www.marvin.bswift.com and
information about your benefits. you need in order to make completing the appropriate
the right choice. Find out if steps by the deadline.
and when your location will
hold orientation or benefit
information sessions.

4 2019 MARVIN TOTAL REWARDS

If you are a full-time employee who is regularly scheduled for ELIGIBILITY AND MAKING CHANGES
40 hours/week (or 80+ hours every 2-week period) and have
completed your introductory period (60 calendar days from your MAKING CHANGES
start date), you are eligible for the following benefits:
Once you enroll, your elections remain in effect until the end of
• Medical and Prescription Insurance the Plan year (December 31 of each year) or until you have a
• Health Savings Account Life Event, as long as you remain a full-time employee. You may
• Flexible Spending Accounts only change your elections if you have a Life Event and only if
you make the change in benefits within 31 days of the Life Event.
• Medical Common Life Events include:
• Dependent Care
• Dental Insurance • Marriage, divorce or legal separation
• Vision Insurance • Birth or adoption of your child
• Hearing Benefits • Death of your spouse or dependent child
• Hospital Indemnity, Critical Illness & Accident Insurance • Termination or commencement of your spouse’s employment
• Life Insurance (Basic & Supplemental) • Change in your employment status
• Disability Insurance (Short & Long Term) Your request for a change in benefits election must correspond
• 401(k) & Profit Sharing Plan to the Life Event. For example, if you get married, you can add
your spouse to your coverage or drop your coverage to enroll in
YOUR SPOUSE another plan elsewhere. When a Life Event occurs, you can only
switch coverage within a plan, like moving from Employee Only to
If you are eligible and enroll in a plan, you can also enroll your Employee plus Spouse. You cannot switch to a different plan offered
spouse. This excludes Disability Insurance and the 401(k) Plan. by Marvin except during Open Enrollment.
Additionally, if your spouse is employed elsewhere and is eligible IMPORTANT: If you miss the 31-day deadline to make a
for employer-sponsored medical coverage, then their employer’s benefit election change following a Life Event, you cannot
medical coverage must be elected and will be primary. A Spouse enroll a new dependent or make a benefit election change on
Employer Verification form is required for a spouse who is not a pre-tax basis until the earlier of another Life Event or the
eligible for medical benefits through his/her employer. next Open Enrollment period. You can apply at any time for
This form is available on your Online Benefits Portal. Supplemental Life Insurance and Short-term and/or Long-term
Disability, but these are subject to medical history.
YOUR CHILD(REN)

If you are eligible and enroll in a Plan, and have a child under the
age of 26, you can enroll them regardless of their employment or
student status. This excludes Disability Insurance.

Marriage certificates, birth certificates, and social security
numbers are required to verify spouse and dependent eligibility.

2019 MARVIN TOTAL REWARDS 5

MEDICAL BENEFITS

1 2 3 4 5

REVIEW the two COMPARE ESTIMATE EXPENSES ESTIMATE USE A PRE-TAX
medical plan options: COVERAGE between for the year and determine PRESCRIPTION ACCOUNT such as
the plans or for a different if the plan covers your EXPENSES because a Flexible Spending
• Marvin 1500 Plan plan (Medicare, spouse’s expected needs. the plans vary on how Account (FSA) or
• Marvin 3000 Plan employer plan, etc.) prescriptions are covered. Health Savings Account
(HSA) to help offset
your deductible and
coinsurance using
pre-tax dollars.

BLUE CROSS ONLINE ONLINE ENROLLMENT

Register online at www.bluecrossmnonline.com to access: You have access to your benefit elections around the clock by
• Claims visiting www.marvin.bswift.com. Simply login to view your current
• Coverage elections, make changes during Open Enrollment or for a Life Event
• Find a network doctor and view plan documents.
• Cost lookup
• Replacement member ID card

MARVIN 1500 MARVIN 3000
In-Network In-Network

Annual Deductible

Employee Only $1,500 $3,000

Employee + Child(ren) $3,000 Total $3,000 per Person (Up to $6,000 Total)

Employee + Spouse $3,000 Total $3,000 per Person (Up to $6,000 Total)

Family $4,500 Total $3,000 per Person (Up to $6,000 Total)

What you pay in coinsurance after you Coinsurance You pay 20%
meet your deductible You pay 20%
Annual Out of Pocket Maximum

Employee Only $3,500 $3,500

Employee + Child(ren) $7,000 $3,500 per Person (Up to $7,000 Total)

Employee + Spouse $7,000 $3,500 per Person (Up to $7,000 Total)

Family $7,000 $3,500 per Person (Up to 7,000 Total)

Note: For out-of-network costs, please refer to the Summary Plan Description.
The Marvin 3000 Plan has an embedded deductible; the Marvin 1500 Plan has a non-embedded deductible. For more information, please refer to the Summary Plan Description.

6 2019 MARVIN TOTAL REWARDS

MEDICAL BENEFITS

PREMIUMS

Bi-Weekly Rate Marvin 1500 Marvin 3000
Employee Only
Employee + Child(ren) $53.54 $36.92
Employee + Spouse $88.62 $62.31
Family $117.69 $81.23
$153.23 $105.23

Monthly Rate Marvin 1500 Marvin 3000
Employee Only
Employee + Child(ren) $116.00 $80.00
Employee + Spouse $192.00 $135.00
Family $255.00 $176.00
$332.00 $228.00

BLUE DISTINCTION TOP CONDITION
CENTERS MANAGEMENT

When you’re choosing a medical facility, performance counts and The Marvin Medical Plans offer you added benefits to manage the
you want reassurance that you are getting the best possible care. following conditions:
Certain facilities have been designated as Blue Distinction Centers
by passing a rigorous review of their processes and performance. • Diabetes
The evaluation criteria is based on what impacts you and your care • High Blood Pressure
the most, including: • High Cholesterol

• Expertise of the medical team Do not let concern over copays or deductibles stop you from
• How many times the hospital has getting the care you need. If you are diagnosed with one of
these three conditions, certain office visits, lab work, and generic
performed the procedure medications, as well as some insulin related to these conditions will
• Hospital’s track record for procedure results be covered 100% without having to meet your deductible first!

That could mean fewer complications, fewer readmissions and QUESTIONS?
higher survival rates!
To confirm what’s covered in the Top Condition Management
Any treatment for bariatric, weight-loss surgery, spine surgery, Program, call the number on the back of your member ID card.
or knee and hip replacement will need to be completed at a Blue A customer service representative can help you understand
Distinction Center to get the best coverage through the plan. which services should be 100% covered.

To find a Blue Distinction Center, contact Blue Cross customer
service at the number on the back of your ID card or visit
www.bcbs.com/blue-distinction-centers/facility.

2019 MARVIN TOTAL REWARDS 7

MEDICAL BENEFITS MARVIN 1500 & MARVIN 3000 PLAN

FEATURE What the Plan pays

Preventive Services(1) Before After After
Well Child (up to age 6) Deductible Deductible Out of Pocket
Preventive Screenings (over age 5) Maximum is met
Routine Vision Exam & Refraction(2) is met is met
Immunizations
Mammography & Pap Tests(3) 100% 100% 100%
Fecal Occult Blood Test & Prostate Screens (3)
Prenatal Care (ND) 100% 100% 100%
100% 100% 100%
Top Condition Management (4) 0% 80% 100%
Certain Medical & Lab Services Related To:
Diabetes 0% 80% 100%
High Blood Pressure 0% 80% 100%
High Cholesterol
0% 80% 100%
Tobacco Cessation
Related Office Visits 0% 80% 100%

Diagnostic Services 0% 80% 100%
Office Visits
Lab Work (2) Members under 19 years old receive one exam per year. Members over 19 years old receive one
X-Rays and MRI every other year.
Allergy Testing
(3) The number of visits for these services may vary by age group.
Health Care Provider Services (4) Current evidence-based protocols for certain office visits, X-rays, labs and drugs are covered
Inpatient Services and Outpatient Services (5) Maximum benefit allowance of one hearing aid per ear every three years.
Surgical Services

Hospital Services
Inpatient Services (PA)
Outpatient Services
Physical and Occupational Therapy

Maternity Services
Inpatient Hospital & Medical Services
Postnatal Care
Newborn Services

Emergency Services
Emergency Room
Ambulance Service

Medical Supplies & Equipment
Necessary and Recommended Equipment
Hearing Aids (5) - for members under age 18

Footnotes
(PA) Denotes Prior Authorization may be required.
(ND) Denotes deductible does not apply in-network.
  (1) In-network Preventive services are covered at 100% regardless of whether or not the

deductible has been met.

8 2019 MARVIN TOTAL REWARDS

PRESCRIPTION PLAN

PRIME THERAPEUTICS

When enrolled in a Marvin Medical Plan, your prescription benefits will be administered through Prime Therapeutics. Your Blue Cross Blue
Shield Member ID card is used for both your medical plan and your prescription plan. Your prescription costs vary based on the medical plan
you choose. The program offers both a retail benefit (local pharmacy) for purchases and a mail-order pharmacy.

SPECIALTY MEDICATIONS

Specialty medications must be filled through one of the following
specialty drug pharmacy vendors:

• Alliance Rx Walgreens Prime 1-877-627-6337
• Fairview Specialty Pharmacy 1-800-595-7140
• Children’s Home Care

(hemophilia medicines only) 1-866-656-1020
• Thrifty White Specialty Pharmacy through your

local Thrifty White Pharmacy

WONDERING HOW MUCH YOUR If you enroll in the Marvin 1500 or 3000 Plan, you will pay the
PRESCRIPTIONS COST? entire cost of prescriptions until you meet your deductible. The only
exceptions are for some maintenance medications in generic form
You can check the cost of your medication on the Prime which are only a $10 copay and the prescriptions that are covered
Therapeutics website at www.myprime.com. Make sure that your 100% through the Top Condition Management Program.
pharmacy is in the Classic Network. Once your deductible has been met, the plan pays 80% of your
prescription costs until you reach your Out of Pocket Maximum.
The cost of the prescription can vary by pharmacy and it is common
for the price to fluctuate. To save money, have your prescriptions
filled with generic equivalents which are virtually the same as the
more expensive brand name medications.

TYPES OF PRESCRIPTIONS MARVIN 1500 OR MARVIN 3000

TOP CONDITION MANAGEMENT: Certain generic Type of Prescription 31 Day 90 Day Retail or
medications (including insulin) related to diabetes, high blood Free Mail Order
pressure, or high cholesterol that are covered 100%. Top Condition Management $10 Free
GENERIC MAINTENANCE: Medications prescribed for Generic Maintenance $20
chronic, long term conditions and are taken on a regular basis. Generic
GENERIC: Less expensive prescriptions that are chemically Formulary You will pay 100% of the prescription
identical to the brand name prescription. Non-Formulary cost until you meet your deductible
FORMULARY: A preferred prescription list. These are often Specialty
available in generic form.
NON-FORMULARY: More expensive prescriptions that are For a copy of the prescription lists, visit www.myprime.com or
not on the formulary list. Human Resources.
SPECIALTY: Medications prescribed for chronic or difficult
health conditions, like rheumatoid arthritis or cancer.

2019 MARVIN TOTAL REWARDS 9

WELLNESS INCENTIVE PROGRAM

The Wellness Incentive Program is designed to promote health awareness and healthy behaviors. It is an optional program available to
employees and spouses who have primary coverage through a Marvin Medical Plan effective January 1 each year. By completing the wellness
tasks, you will avoid surcharges the following plan year.

Keep more dollars in your pocket!

In order to avoid surcharges, you and your spouse (covered as primary) will need to complete a Basic Medical Screen, meet
target health outcomes, complete a Report Delivery session, as well as be Tobacco/Nicotine free.

TASK 1: Basic Medical Screens Surcharges*

Basic Medical Screens are annual health evaluations that are Type of Surcharge Employee Spouse
offered on-site at your work location.
Non-Participating $100/month $100/month
99Physical measurements
(height, weight, blood pressure) Individuals who do not
complete their Basic Medical
99Blood sample Screen, Report Delivery, and
99Report delivery session meet health outcomes will
99Meet target health outcomes for blood pressure, pay a monthly surcharge.

glucose, and cholesterol (or complete knowledge Nicotine User
management courses)
Individuals who test positive
for nicotine will pay a $50/month $50/month
monthly surcharge.

TASK 2: Tobacco/Nicotine Free * These surcharges are subject to change.

A cotinine test performed during the Basic Medical Screens will Your personal health information is completely confidential and
determine if nicotine is present in your blood system. If you are is not shared with Marvin. The only information the company
a nicotine user, you will need to be in a certified quit attempt in receives is a list with the names of employees and spouses who
order to avoid the surcharge. have completed the wellness tasks, as well as whether or not an
If you complete a certified quit attempt midyear, we will remove individual tested positive for nicotine.
the surcharge as soon as administratively possible.

99Non-Nicotine User
99Quit Attempt Affidavit

Deadline to complete tasks is September 1 of each year.

10 2019 MARVIN TOTAL REWARDS

WELLNESS INCENTIVE PROGRAM

FREQUENTLY ASKED QUESTIONS

Q: Am I required to participate in the Wellness Q: Won’t these screens be expensive and increase the
Incentive Program? company’s costs?

A: Participation is entirely voluntary; however, you don’t want A: The Marvin Companies is willing to invest these dollars as part
to miss out on a great opportunity to learn more about your of its continuing effort to support early detection and treatment
health, take steps to get or stay healthy and save money! for its employees. We also believe that, in the long run, it will
help our employees live longer, healthier lives while helping the
Q: How will I know what Wellness Tasks I need to complete? company avoid high-cost, catastrophic and preventable claims.
A: You will receive notifications throughout the year informing
Q: When is the deadline for completing the Wellness Tasks
you of which tasks you need to complete. for the upcoming plan year?

Q: How will I get credit for completing the Wellness Tasks? A: All wellness tasks, must be completed by September 1.
A: Once you complete your Wellness Tasks, which will be
Q: What if I’ve completed all of my Wellness Tasks
indicated in the online wellness portal, you will not pay any but my spouse who is enrolled on my Marvin
surcharges the following year. If you are a new hire, you are Medical Plan has not?
exempt during your first year and will not have any surcharges
applied in the first year. A: You and your spouse who is primary on the medical plan have
the opportunity to save month by completing the required
Q: I have a health condition that makes it difficult or tasks. If your spouse does not complete a Wellness Task, you
impossible for me to complete some of the Wellness will pay a monthly surcharge according to each task that is
Tasks. What should I do? not completed.

A: Anyone who is not able to complete one or more of the
Wellness Tasks because of an underlying medical condition
will have a designated contact to talk about alternatives. They
will determine whatever is reasonable and appropriate based
on your circumstances, including waiving the task, if necessary
and appropriate.

2019 MARVIN TOTAL REWARDS 11

HEALTH SAVINGS ACCOUNT (HSA)

If you are enrolled in the Marvin 1500 or 3000 Plan, you can enroll in a Health Savings Account
through Further. You can use the HSA to pay for qualified expenses, such as medical and prescription
costs, deductible, and dental and vision services.

1 ENROLL 3 USE IT OR SAVE IT YOU GAIN

Enroll in the Marvin 1500 or 3000 Plan and A HSA is not a “use it or lose it” type of account. TRIPLE
Health Savings Account through your Online
Benefits portal. Any unused funds roll over each year – you TAX SAVINGS
never lose it!
2 CONTRIBUTE Money goes in
All of the money in the HSA including any your account
You and the company can contribute pretax contributions deposited by the company –
funds to the account. remains yours, even if you enroll in a different PRE-TAX
The company will match your contributions medical plan, leave the company, or retire.
dollar for dollar up to the amount listed below Money grows
based on your level of coverage. For a full list of qualified medical expenses, in your account
The maximum annual limit please visit www.irs.gov.
(including company contribution) is: TAX FREE
If you elect the Marvin 1500 or 3000
• $3,500 for Employee Only coverage Plan, doing any of the following would Money comes
• $7,000 for Employee + Child(ren), make you unable to contribute to a HSA. out of your account

Employee + Spouse, or Family coverage • Have secondary coverage TAX FREE
• If you are 55 or older, you can contribute an on yourself that is a non-High
Deductible Plan Health Plan
additional $1,000
• Have your spouse elect non-Limited
Please note: In the event that you and your FSA through their employer
spouse take individual coverage, your total
household limit is $7,000 plus any applicable • Enroll yourself in any type of
catch-up contributions. Medicare, Veteran’s Benefits,
TriCare or other coverage that is not
a High Deductible Health Plan

• Be listed as a dependent on
someone else’s tax return

MARVIN 1500 Annual Company Contribution EXAMPLE: Saving with a HSA
Employee Only $350
Employee + Child (ren) Annual contribution by the Company $650
Employee + Spouse $700
Family Annual contribution by you $1,500

MARVIN 3000 Annual Company Contribution Annual tax-free withdrawals for qualified expenses ($300)
Employee Only $650
Employee + Child (ren) HSA funds that rollover for future expenses $1,850
Employee + Spouse $1,300
Family

There is no deadline to submit claims, but the claims must be on or after the date the HSA was opened.
You can change your HSA contribution at any time by logging in at www.marvin.bswift.com.

12 2019 MARVIN TOTAL REWARDS

FLEXIBLE SPENDING ACCOUNT (FSA)

Did you know you can put aside pre-tax money to use on eligible medical care and dependent care expenses? By doing so, you may reduce
your taxable income. Each year, you have the option to enroll in a medical FSA if you are not enrolled in a high deductible health plan and a
dependent care FSA regardless of which medical plan you’re enrolled in. A brief summary of each program is below. If you want additional
information, please visit www.irs.gov.

MEDICAL FSA DEPENDENT CARE FSA

Eligible Expenses: Eligible Expenses:
• In-home day care
• Medical or dental plan deductible • Nursery school
• Coinsurance or copays • Daycare centers
• Prescription copays/expenses • Nursing care and Adult day care
• Orthodontics or major dental work • Dependent care that allows you
• Contacts, eyeglasses, laser vision correction (and your spouse) to continue employment
• Hearing aids
The maximum annual amount you may put into this account is
The maximum annual amount you may put into your Medical FSA $5,000 per household.
is $2,600 per employee.

Where’s the savings? The tax laws allow automatic deductions from your paycheck before payroll taxes are withheld. It’s tax-free money that
you use to pay expenses. See the example below that shows savings through a Flexible Spending Account.

EXAMPLE: Saving with a Flexible Spending Account

TOTAL SAVING = $480 WITHOUT FSA WITH FSA

Annual Taxable Income $25,000 $25,000
Out of Pocket Health (or Dependent) Care Expenses $3,000 $3,000
Contributions to the FSA ($2,000)
($0)
Taxable Income after FSA payroll deductions
Federal & State Taxes & Social Security $25,000 $23,000
($6,000) ($5,520)
After-tax Income
After-tax dollars spent on the $2,000 expenses $19,000 $17,480
$2,000 $0
Take-home pay
Increased Take-home pay $17,000 $17,480
N/A $480

HOW TO GET STARTED GET YOUR MONEY FASTER

1 Estimate Further offers three reimbursement options that are fast and easy.

Estimate your eligible expenses for next year.

2 Decide Debit Card Online Reimbursement Direct Deposit
The debit card is the and Bill Pay Sign up for direct deposit
Decide how much to set aside in your account during enrollment. ultimate reimbursement
Avoid having money left over in your account at the end of the because it gives you Use the Online Member and get your online
year. Participants will be able to roll over up to $500 of unused real-time and immediate Service Center to reimbursement requests
funds in a Medical FSA for the next calendar year. Any amount access to your account. automatically deposited
over $500 will be forfeited according to Federal law. Funds in a request a reimbursement
dependent care account cannot be rolled over. or to pay health care into the checking
providers directly or savings account
3 Enroll from your account.
of your choice.
Complete the FSA section in your online benefits portal.

Deadline to submit claims is March 31 following the end of the plan year.
2019 MARVIN TOTAL REWARDS 13

DENTAL BENEFITS

The Marvin Companies offers you a choice between dental plans through Delta Dental of Minnesota. Our goal is to help you maintain a
healthy, happy smile.
Your eligibility to enroll in a Dental Plan is the same as a Medical Plan, but you will not have to submit a Spouse Employer Verification Form.
Visit www.deltadentalmn.org for a list of providers.

CORE PLAN BUY - UP PLAN

Enrollment Level Monthly Bi - Weekly Enrollment Level Monthly Bi - Weekly
Employee Only Rate Rate Rate Rate
Employee + Child(ren)
Employee + Spouse $15.00 $6.92 Employee Only $39.00 $18.00
Family $32.00 $14.77 Employee + Child(ren) $80.00 $36.92
$31.00 $14.31 Employee + Spouse $79.00 $36.46
$44.00 $20.31 Family $112.00 $51.69

CORE PLAN BUY - UP PLAN

SERVICE Participating Non-Participating Participating Non-Participating
Provider Provider Provider Provider
Deductible (Per person/year)
$25 per person
Calendar Year Maximum up to $75 per family
Lifetime Orthodontics Maximum
Diagnostic & Preventive $1,200 per person $2,000 per person
Exam & Cleaning (One every six months) $1,250 per person $2,500 per person
X-Rays (Frequency varies by type of X-ray)
Fluoride (For children under 18) 100% 100% 100% 100%
Basic Services (No Deductible) of max allowable fee (No Deductible) of max allowable fee
Emergency treatment for pain
Sealants, space maintainers 80% 80% 90% 90%
Amalgam/composite resin fillings of max allowable fee of max allowable fee
Endodontics
Pulpotomies on primary teeth 80% 80% 90% 90%
Root canal therapy on permanents of max allowable fee of max allowable fee
Periodontics
Surgical/Non-surgical periodontics 80% 80% 90% 90%
Oral Surgery of max allowable fee of max allowable fee
Extractions and all other oral surgery
Major Restorative 80% 80% 90% 90%
Crowns of max allowable fee of max allowable fee
Prosthetics & Adjustments
Dentures, bridges, implants, repairs 50% 50% 80% 80%
and adjustments of max allowable fee of max allowable fee
Orthodontics
Treatment for malocclusion 50% 50% 80% 80%
Core Plan: children 8 - 19 years old only of max allowable fee of max allowable fee
Buy-Up Plan: People 8 years and older
14 2019 MARVIN TOTAL REWARDS 50% 50% 50% 50%
of max allowable fee of max allowable fee

VISION INSURANCE

VSP Vision Rates Monthly Rate Bi - Weekly Rate

The Marvin Companies vision program is a voluntary benefit Employee Only $6.00 $2.77
program administered by VSP. Through this program, you will Employee + Child(ren) $14.00 $6.46
receive great coverage on your exam, eye wear and contact lenses. Employee + Spouse $13.00 $6.00
Family $20.00 $9.23
With open access to see any eye-care provider, you can see the one
who is right for you and still get a VSP discount!

Visit www.vsp.com for a VSP Provider Listing. Use the
“VSP Signature Network” for best coverage.

To use your vision coverage, simply tell your eye care provider that
you have VSP and provide them with your employee ID number.

Type of Service VSP Provider Non-VSP Provider

WellVision Exam® Type of Benefit More Information Type of Benefit
(One per year for adults. Two
per year for children.) $20 copay then 100% Regular Exam 100%, up to $50 Benefit
(Does not include contact lens fitting)
Lenses
(Every other year for adults. $20 copay then 100% Single or lined bi- or tri-focal 100%, up to $50/Single,
Every year for children.) Covered lens options OR $75 Lined Bi-focal,
Lens Enhancements $30 copay then 100% OR $100 Lined Tri-focal
Anti Reflective Coating Covered 100%
Polycarbonate Lenses Covered 100% N/A
UV Coating
Frames (Every other year) 100%, up to $170 Then 20% discount over $170 100%, up to $70
Maximum of $60 copay
Contact Lens Exam (Annually) For fitting and evaluation fees N/A
then 100%
Contact Lens 100%, up to $150 Annual allowance when not used 100%, up to $105
(instead of glasses) Average 40% discount toward glasses

Other Glasses and Sunglasses 30% discount For non-covered lens options
Average 15% discount
Additional sets of glasses On additional glasses on same day Contact VSP for other
discounts available at
Laser Vision Correction non-VSP providers

15% regular or 5% off discounted rates

2019 MARVIN TOTAL REWARDS 15

HEARING BENEFITS

Delta Dental has partnered with Amplifon Hearing Health Care, the world’s largest distributor of hearing aids, to offer all members and their
extended family a hearing discount program at no cost.

HEARING BENEFITS:

• Hearing aid low price guarantee – if you find the same
product at a lower price, bring Amplifon the local
quote and they’ll not only match it, they’ll beat it by 5%!

• 40% off hearing testing and diagnostics
• Risk-free 60-day trial – 100% money-back guarantee

if you’re not satisfied with the hearing aids
• One-year free follow-up care
• 3-year warranty – one of the longest in the industry
• Free batteries – two year supply (max 160 cells per

hearing aid, an approximate $150 value)
• Save 20% on audiologist-selected headphones and

hearing protection
• Convenient hearing clinics near you
• No enrollment fees – access to the hearing program is

available at no cost

Call 1.855.531.4694 and a Patient Care Advocate will
assist you in finding a hearing care provider near you.

16 2019 MARVIN TOTAL REWARDS

HOSPITAL INDEMNITY, CRITICAL ILLNESS & ACCIDENT INSURANCE

The Marvin Companies hospital indemnity, critical illness and accident insurance is administered by Aflac. These benefits are offered to
provide financial protection for you and your family. These voluntary benefits can help offset the impact of out-of-pocket medical expenses by
paying you a cash benefit if you experience a claim.

ACCIDENT CRITICAL ILLNESS
INSURANCE INSURANCE

You can’t always avoid accidents – but you can protect yourself When a serious illness strikes, critical illness insurance can provide
from accident-related costs that can strain your budget. Accident financial support to help you through a difficult time. It can pay you
insurance pays a benefit directly to you if you have a covered injury, a lump-sum cash benefit, which you can use in any way to meet
such as a burn or broken bone and need treatment. You can get your needs. You also have the option to cover your spouse and
coverage for your spouse and dependents, too. As medical costs dependent children.
continue to rise, accident insurance provides a necessary layer of This plan pays a benefit for:
financial protection.
• Cancer
ACCIDENT RATES Monthly Rate Bi - Weekly Rate • Heart attack/stroke
• Major organ transplant
Employee Only $12.37 $5.71 • End-stage renal (kidney) failure
Employee + Child(ren) $21.48 $9.91 • Permanent paralysis due to covered accident
Employee + Spouse $20.66 $9.54
Family $29.77 $13.74 * Critical Illness rates vary based on age and amount of coverage elected.
Rates will be displayed during the online enrollment process.
WELLNESS BENEFIT
HOSPITAL INDEMNITY
Accident and critical illness insurance include a wellness
benefit, which can pay $75 per calendar year per insured Hospital indemnity insurance provides a cash benefit directly to you
individual ($150 if you have accident and critical illness coverage) that can help pay for medical and nonmedical expenses associated
if a covered health screening test is performed. A few of the health with a covered hospital stay. It is intended to provide financial
screenings are: assistance to enhance your current medical coverage. Unlike
medical insurance, you are not subject to any deductibles, copays or
• Colonoscopy coinsurance under this coverage.
• Pap smear This plan pays a benefit for:
• Mammogram
• Skin cancer biopsy • Hospital Admission
• PSA (blood test for prostate cancer) • Hospital Confinement
• Stress test on a bicycle or treadmill • Hospital Intensive Care
• Basic Medical Screen • Intermediate Intensive Care Step-Down

To file a claim, contact Aflac at 877.458.6425 HOSPITAL Monthly Rate Bi - Weekly Rate
or go online to www.aflacgroupinsurance.com INDEMNITY

Employee Only $18.16 $8.38
Employee + Child(ren) $28.92 $13.35
Employee + Spouse $36.38 $16.79
Family $47.14 $21.76

2019 MARVIN TOTAL REWARDS 17

BASIC LIFE INSURANCE

Life insurance is important to your financial security, especially if others depend on you
for support. Your beneficiary can use your life insurance to pay off debt – like credit
cards, mortgages and other final expenses. The Marvin Companies life insurance plans
are managed by The Hartford.
The Marvin Companies pays the cost for your basic term life insurance equal to one-
times your annual rate of pay, rounded up to the nearest $1,000. If your total benefit is
more than $50,000, you will be taxed on the premium amount paid by the company for
coverage above $50,000 and that will be indicated on your pay statement.
Marvin also pays for a basic term life insurance policy for your spouse and/or child(ren).
The amount of this benefit is $7,500 per spouse and/or child.

COVERAGE TYPE BENEFIT AMOUNT

Employee Only 1-times annual rate of pay*

Spouse $7,500

Each Child $7,500

* Truck drivers should contact Human Resources to discuss their Basic Life Insurance benefit.
Details on the reduction of benefits after age 65 can be found in the Summary Plan Description.

OTHER SERVICES OFFERED BY THE HARTFORD

TRAVEL ASSISTANCE HEALTH CHAMPION

Travel Assistance helps you cope with emergencies when you travel Unlimited access to specialists who walk you through all aspects
more than 100 miles from home or internationally for trips of up to of your current health care issue; helping to ensure that you’re
90 days. This benefit can also help you with non-emergencies, such fully supported.
as planning your trip.
• Guide you through health care options
You do not have to enroll! Since you are covered under Marvin’s • Connect you with the right resources
basic life insurance plan, you and your family members are • Advocate for timely and fair resolution of issues
automatically covered. All services are available 24 hours a To speak with a guidance consultant, call 800.964.3577. They are
day, every day. available 24 hours a day and seven days a week.

Travel Assistance offers the following services: BENEFICIARY ASSISTANCE

• Pre-trip Assistance such as passport, visas, inoculation • Grief support
requirements, etc. • Legal assistance
• Financial expertise
• Medical Assistance like locating providers and interpreters For beneficiary services, call the phone assistance line
• Assistance to obtain an emergency ticket, card at 800.411.7239.

replacement and fund transfers
• Legal Assistance including locating an attorney abroad
• Emergency Transportation Services such as arranging and

paying for emergency evacuations and getting you and
your family back to the United States

Get assistance today by calling 800.243.6108.

18 2019 MARVIN TOTAL REWARDS

SUPPLEMENTAL LIFE INSURANCE

You can add to your company-paid basic life insurance coverage with a supplemental life insurance plan. You can purchase supplemental life
insurance for yourself, your spouse and/or your dependent children. Your children are eligible from birth to age 26. You can elect amounts in
units of $10,000, up to a maximum of five-times your annual rate of pay. Newly-hired employees can elect up to a maximum of the lesser of
four-times your annual rate of pay or $500,000 without evidence of insurability. New employees wishing for more than four-times their pay
or current employees wishing to add or increase their coverage amount will need to submit evidence of insurability. Spouse coverage past the
guaranteed amount also needs evidence of insurability. Supplemental life insurance is managed by The Hartford.

COVERAGE TYPE GUARANTEED ISSUE BEYOND GUARANTEED ISSUE*
New Hires Only Current Employees

(Without Evidence of Insurability) (With Evidence of Insurability)

Employee Up to 4-times base salary Up to 5-times base salary
($500,000 maximum) ($1,000,000 maximum)

Spouse $20,000 $100,000

Each Child $5,000 - $15,000 Not Available

* If you want to apply for coverage that is more than the Guaranteed Issue, you must complete Evidence of Insurability. Contact Human Resources for instructions.

Calculate Your Monthly Supplemental Life Insurance

Step 1 Sue is 38 and her annual rate of pay is $20,100. She wants to elect 3-times her annual
Elect the level of coverage that you want. rate of pay for Life Insurance coverage.

Step 2 $20,100 x 3 = $60,300
Take your annual rate of pay (hourly rate x 2080)
and multiply it by the level of coverage you want.

Step 3 $60,300 rounds to $60,000
Round the result in Step 2 to the nearest $10,000.

Step 4 $60,000 ÷ $1,000 = 60
Divide the result in Step 3 by $1,000.

Step 5 60 X $0.115 = $6.90 It will cost Sue $6.90 a month (or $3.18 bi-weekly) to carry
Multiply the result in Step 4 $60,000 worth of Supplemental Life Insurance.
by the applicable rate per $1,000.

Employee and Spouse Coverage Dependent Coverage

MONTHLY FACTOR PER $1,000 OF COVERAGE MONTHLY FACTOR PER $ 5,000 OF COVERAGE

Employee / Spouse Age Rate Coverage Type Rate

Less than 30 $0.065 Child $1.00
30 – 34 $0.085
35 – 39 $0.115
40 – 44 $0.140
45 – 49 $0.210
50 – 54 $0.320
55 – 59 $0.490
60 – 64 $0.710
65 – 69 $1.370
70 & Up $2.230

2019 MARVIN TOTAL REWARDS 19

DISABILITY INSURANCE

SHORT-TERM DISABILITY MONTHLY FACTOR - SHORT-TERM DISABILITY

Short-term disability benefits are available to all full-time employees. Employee Age Rate per $10 of Weekly
This benefit provides 60% of your weekly earnings, up to $1,000 Benefits
a week if you become unable to work due to a sickness or an
accident. The company pays for your first $100 of coverage and you Hourly Employee Less than 30 0.63
must enroll in order to cover the remaining amount. The maximum 30 – 34 0.60
period of benefits is 90 days for the basic benefit and 180 days for 35 – 39 0.58
the buy-up benefit if you are disabled from your own occupation. 40 – 44 0.60
45 – 49 0.75
You must enroll if you want Short-term coverage beyond the $100 50 – 54 1.01
basic benefit paid for by the company. 55 – 59 1.31
60 – 64 1.80
LONG-TERM DISABILITY 65 & Up 2.27

Long-term disability benefits are available to all full-time employees. MONTHLY FACTOR - LONG-TERM DISABILITY
This benefit begins after 180 days of disability and provides for 60%
of your monthly earnings, up to $10,000 a month maximum benefit. Employee Age Rate per $100
of Monthly Payroll
You must enroll if you want Long-Term Disability coverage.
Hourly Employee Less than 30 0.18
If you become disabled before age 62, benefits may continue until 30 – 34 0.26
age 65. If you become disabled at age 62 or older, the benefit 35 – 39 0.38
duration is determined by your age. 40 – 44 0.53
45 – 49 0.97
The administration of the short-term and long-term disability 50 – 54 1.29
programs is managed by The Hartford. 55 – 59 1.79
60 – 64 1.59
65 & Up 1.39

All Ages-Salaried Employees 0.33

Age at the time of Disability Maximum Benefit Period
62 3 years 6 months
63 3 years
64 2 years 6 months
65 2 years
66 1 year 9 months
67 1 year 6 months
68 1 year 3 months
69+ 1 year

Calculate Your Monthly Long-Term Disability Rate

Step 1 Example
Take your annual rate of pay (hourly rate x 2080). John wants Long-Term Disability coverage. He is 30 years old with an annual rate of
pay equal to $21,640

Step 2 $21,640 ÷ 12 = $1,803
Divide your annual rate of pay by 12 to give you your
monthly rate of pay.

Step 3 $1,803 ÷ $100 = 18.03
Divide the result in Step 2 by $100.

Step 4 18.03 X $0.26 = $4.69 John’s monthly rate to carry Long-Term Disability Insurance
Multiply the result in Step 3 by the applicable rate per $100. is $4.69 (or $2.16 bi-weekly).

20 2019 MARVIN TOTAL REWARDS

RETIREMENT- 401 (k) & PROFIT SHARING PLAN

The Marvin Companies 401(k) and Profit Sharing Plan makes saving for retirement easy because you can save money automatically through
tax-deferred paycheck deductions. The company may also contribute to your retirement savings. Both your contributions and the company’s
contributions are added to your 401(k) account.
You are eligible to participate in the 401(k) Plan if you are a regular, full-time employee and have completed your introductory period or if you
are a part-time or temporary employee and have completed twelve consecutive months of service and worked at least 1,000 hours within
that twelve month period.

WATCH YOUR MAIL PROFIT SHARING

Empower Retirement will send your enrollment materials to your Profit sharing plans are unique to each location and brand. Ask
home address prior to your eligibility date. Human Resources for more information.

AUTO ENROLLMENT MATCH

You are automatically enrolled to defer 6% of your compensation, The Company Match is equal to 4% if you elect to contribute 6%
unless you choose to enroll at a different percent, or opt-out during of your compensation.
your initial enrollment. If you choose to wait to participate, you can
always participate at a later time. Total Employee Contribution Total Company Match

FEDERAL LIMITS 0% of compensation No Match
1% of compensation No Match
You can contribute up to the federal limit ($18,500 in 2018) through 2% of compensation No Match
tax-deferred contributions from your paychecks. Tax-deferred means 3% of compensation 1% of compensation
you do not pay payroll taxes on the contributions until you withdraw 4% of compensation 2% of compensation
them from your account. 5% of compensation 3% of compensation
If you will be age 50 or older in 2019, you may make an additional 6% of compensation 4% of compensation
“catch-up contribution” up to the federal limit ($6,000 in 2018). More than 6% of compensation 4% of compensation
Federal limits are subject to change every year.
RETIREMENT PLANNING
CONTRIBUTIONS
RETIREMENT EVALUATION
The Plan is designed for you to build savings for your retirement.
You can invest both your contributions and the company’s Get a personalized view of your financial future and find out
contributions in any or all of the plan’s professionally managed funds. where you stand with savings, risk, and diversification, and
The Marvin Companies 401(k) Plan offers a number of highly-rated receive a realistic retirement income forecast.
investment options for you to choose from.
You will receive quarterly statements to help you monitor PERSONALIZED RETIREMENT PLAN
your investments.
You will see suggestions for how much to save, when you
GO ONLINE TO could retire, learn about risk, and what the impact of your
MANAGE YOUR 401(k) decisions may be on your retirement income.

Visit www.empowermyretirement.com to get started INCOME ADVICE AND/OR MANAGEMENT
and you will be on your way to managing your
future retirement! You have the option to talk with an investment advisor to
make sure you are in the correct funds for your situation.
• Change your investment options Login to your Empower Retirement account online at
• Check your retirement status www.empowermyretirement.com to access these resources.
• Access financial education
For more information, call Empower Retirement
at 844.465.4455

2019 MARVIN TOTAL REWARDS 21

EMPLOYEE ASSISTANCE PROGRAM

Life can present many challenges and
the Marvin Companies truly cares about
your wellbeing. Asking for help is a sign of
strength which demonstrates a commitment
to improve the quality of your life.
The Employee Assistance Program
is a confidential service that provides
professional guidance in a variety of
areas, such as:

• Relationship Advice
• Emotional Health
• Workplace Issues
• Drug and Alcohol Assistance
• Financial and Legal Services

These services are available to you and all
members of your household free of charge.

9 out of 10 participants who
accessed the EAP services
reported that the EAP was a

valuable benefit.

(Village Business Institute, 2016)

Location EAP Login Phone Website
Information

Integrity Roanoke Carilion N/A 800-992-1931 www.carilionclinic.org/eap

Tecton Roanoke Advantage N/A 800-699-9396 www.advantageeap.org

Ripley Concern EAP N/A 800-445-5011 www.concern-eap.com

Baker New Directions Northwest Inc. N/A 541-523-7400 www.newdirectionsnw.org

Warroad, Eagan, Grafton, The Village Business Institute Login: marvin 800-627-8220 www.villageeap.com
New York The Village Business Institute Login: integrity 800-627-8220 www.villageeap.com

Integrity Fargo/
West Fargo

Tecton Fargo The Village Business Institute Login: tecton 800-627-8220 www.villageeap.com

22 2019 MARVIN TOTAL REWARDS

BEST DOCTORS

Nothing is more important than your health and being prepared Best Doctors is 100% free and confidential. It is available at
in the event that you or a loved one are faced with a medical no cost to you and your family members. Rest assured, neither
situation. That is why Marvin is proud to offer you a benefit Marvin nor Blue Cross will be made aware of your call. If you are
called Best Doctors. dealing with any kind of medical uncertainty, contact Best Doctors
Best Doctors offers you peace of mind by giving you access to at 866-904-0910.
advice from the world’s leading physicians. It’s for everything from
minor surgery to serious issues like cancer and heart disease.
With Best Doctors, you can have an expert physician review your
diagnosis and treatment plan, ask basic medical questions, and even
get help finding a local physician who is right for you.

INTERCONSULTATION

Have one of the world’s top specialists review
your medical case.

ASK THE EXPERT

Get expert guidance from a specialist who fully
understands your unique situation.

FIND A BEST DOCTOR

Get help to identify one or more doctors who
meet your specific needs.

EXPLORE MY OPTIONS

Get treatment decision support.

CALL

866.904.0910

TO GET STARTED

MEDICAL RECORDS SUMMARY

Be proactive when it comes to your health. Even if you’re not facing an immediate medical need, Best Doctors can collect and
organize all your medical records and provide them to you on an easy-to-access USB drive. They’ll also include a personal health
summary from one of our expert physicians.

2019 MARVIN TOTAL REWARDS 23

BLUE CROSS RESOURCES

BLUE CROSS ONLINE MEMBER CENTER

Keeping track of your health care can be hard to do. But with a Blue Plus, if you can’t find the answer you are looking for, in just a couple
Cross online account, it just got a whole lot easier. As a Blue Cross clicks you can send a secure message to Blue Cross customer
and Blue Shield of Minnesota member, you can use the secure service. Available around the clock, every day, Blue Cross online is
member site to: the best way to stay connected to your health plan.

• Review recent claims and explanations of benefits Sign up for a Blue Cross account at www.bluecrossmnonline.com
• See total health care spending for the current year and download the app. It’s a fast, easy way to get the
• Find a doctor in your area and network information you need.
• Print, fax and email your member ID card

ONLINE CARE

With online care you can see a doctor online when you need to.
No hassle. No appointment necessary. All in real time. Online care
provides live face-to-face visits with trusted, licensed doctors who
can discuss your health issues, provide diagnoses and prescribe
medications if appropriate in a majority of states.

Simply visit: www.doctorondemand.com/bcbsmn to get started or
download the Doctor On Demand app for iOS or Android devices.

LOG ON TO DISCUSS:

€€ Cold or flu symptoms €€ Rashes or acne
€€ Sinus infections €€ Ear infections
€€ Urinary tract infections €€ Allergies
€€ Depression or anxiety €€ Pink eye

24 2019 MARVIN TOTAL REWARDS

OTHER SERVICES

LEARN TO LIVE

Life provides us with plenty of opportunities to feel stressed
and worried, like relationships, work, health and finances. It can
be normal to feel sad, nervous, or anxious at times; but it’s also
important to recognize when those feelings aren’t going away.
Did you know that 114 million Americans will never seek face-to-
face therapy? Those who suffer from social anxiety, depression,
and stress have struggled to find in-person access, grown tired
of traditional self-help or just want to try something new. Learn
to Live is an online Cognitive Behavioral Therapy program
that is confidential, accessible at home, and effective. This free
online program is available to all employees as well as their
family members.

1 Visit LearntoLive.com/Partners
2 Enter code “Marvin”
3 Take the online assessment
4 Choose a customized program based on your results
5 Begin the journey to better mental health

DIRECT PATH €€ Discuss benefit plan options and find the
one that best fits your personal needs
Trying to navigate the ever-changing health care market can
create unnecessary confusion and stress. When you struggle €€ Research claim issues with experts
to understand health care, it’s difficult to make educated €€ Determine procedure costs
decisions about your health. €€ Compare providers and find the best fit

DirectPath gives you access to health care advocates available to you
who are familiar with the Marvin Companies benefit
plans and wellness offerings. Experienced advocates €€ Assist in scheduling appointments
can help you better navigate the health care system to
make more informed decisions regarding your health and
benefit decisions.

Visit advocacy.directpathhealth.com/Marvin or call 866.253.2273 to connect with an advocate and
get the answers you need!

2019 MARVIN TOTAL REWARDS 25

IMPORTANT INFORMATION & NOTICES

The Marvin Companies is required to share the following with you on an Premium Assistance Under Medicaid and the Children’s
annual basis. Please read this important information and consult your Health Insurance Program (CHIP)
Summary Plan Document(s) for more details or contact Human Resources. If you or your children are eligible for Medicaid or CHIP and you are eligible
for health coverage from your employer, your State may have a premium
HIPAA Notification of Privacy Practices assistance program that can help pay for coverage. These States use funds
HIPAA includes provisions that protect the privacy of health plan participants. from their Medicaid or CHIP programs to help people who are eligible
These provisions, which went into effect April of 2003, govern how covered for these programs, but also have access to health insurance through their
entities such as health insurance companies and the plan sponsor must employer. If you or your children are not eligible for Medicaid or CHIP, you
handle protected health information. The Company distributes HIPAA will not be eligible for these premium assistance programs.
Privacy Notices, in accordance with Federal Regulations. You can obtain a
copy of the HIPAA Privacy Notice from Human Resources. If you or your dependents are already enrolled in Medicaid or CHIP, you
can contact your State Medicaid or CHIP office to find out if premium
HIPAA Special Enrollment Notice assistance is available.
If you are declining enrollment for yourself or your dependents (including
your spouse) because of other health insurance or group health plan If you or your dependents are NOT currently enrolled in Medicaid or CHIP,
coverage, you may be able to enroll yourself or your dependents in this and you think you or any of your dependents might be eligible for either of
plan if you or your dependents lose eligibility for that other coverage (or these programs, you can contact your State Medicaid or CHIP office or dial
if the employer stops contributing towards your or your dependents’ other 1.877.KIDS NOW or www.insurekidsnow.gov to find out how to apply. If you
coverage). However, you must request enrollment within 31 days after you qualify, you can ask the State if it has a program that might help you pay the
or your dependents’ other coverage ends (or after the employer stops premiums for an employer-sponsored plan.
contributing toward the other coverage).
Once it is determined that you or your dependents are eligible for premium
In addition, if you have a new dependent as a result of marriage, birth, assistance under Medicaid or CHIP, as well as eligible under your employer
adoption, or placement for adoption, you may be able to enroll yourself and plan, your employer must permit you to enroll in your employer plan if you
your dependents. However, you must request enrollment within 31 days after are not already enrolled. This is called a “special enrollment” opportunity,
the marriage, birth, adoption, or placement for adoption. and you must request coverage within 60 days of being determined eligible
for premium assistance. If you have questions about enrolling in your
Special enrollment rights also may exist in the following circumstances: employer plan, you can contact the Department of Labor electronically at
www.askebsa.dol.gov or by calling toll-free 1.866.444.EBSA (3272).
• If you or your dependents experience a loss of eligibility for
Medicaid or a state Children’s Health Insurance Program (CHIP) Notice of Creditable Prescription Drug Coverage
coverage and you request enrollment within 60 days after that Please read this notice carefully and keep it where you can find it. This notice
coverage ends; or has information about your current prescription drug coverage with The
Marvin Companies and about your options under Medicare’s prescription
• If you or your dependents become eligible for a state premium drug coverage. This information can help you decide whether or not you
assistance subsidy through Medicaid or a state CHIP with respect to want to join a Medicare drug plan. If you are considering joining, you should
coverage under this plan and you request enrollment within 60 days compare your current coverage, including which drugs are covered at what
after the determination of eligibility for such assistance. cost, with the coverage and costs of the plans offering Medicare prescription
drug coverage in your area. There are two important things you need to know
Note: The 60 day period for requesting enrollment applies only in these last about your current coverage and Medicare’s prescription drug coverage:
two listed circumstances relating to Medicaid and state CHIP. As described
above, a 31 day period applies to most special enrollments. • Medicare prescription drug coverage became available in 2006
to everyone with Medicare. You can get this coverage if you join
To request special enrollment or obtain more information, contact your a Medicare Prescription Drug Plan or join a Medicare Advantage
Human Resources office. Plan that offers prescription drug coverage. All Medicare drug plans
provide at least a standard level of coverage set by Medicare. Some
GINA Notice plans may also offer more coverage for a higher monthly premium.
In answering questions related to your benefits, do not include any genetic
information. The Genetic Information Nondiscrimination Act of 2008 • The Marvin Companies has determined that the prescription drug
(GINA) prohibits employers and other entities covered by GINA from coverage offered by both medical plans is, on average for all plan
requesting or requiring genetic information of an individual or family member participants, expected to pay out as much as standard Medicare
of the individual, except as specifically allowed by this law. To comply with prescription drug coverage pays and is therefore considered
this law, we are asking that you not provide any genetic information when Creditable Coverage. Because your existing coverage is Creditable
responding to a benefit-related request. “Genetic information” as defined Coverage, you can keep this coverage and not pay a higher
by GINA, includes an individual’s family medical history, the results of an premium (a penalty) if you later decide to join a Medicare drug plan.
individual’s or family member’s genetic tests, the fact that an individual or an
individual’s family member sought or received genetic services, and genetic Summary of Benefits and Coverage Notice
information of a fetus carried by an individual or an individual’s family member Each year, the Company is required to provide you with a Summary of
or an embryo lawfully held by an individual or family member receiving Benefits and Coverage on each plan. These documents are available to you
assistive reproductive services. Please do not include any family medical 24/7 online through the bSwift library. You can also get a printed copy, free
history or any information related to genetic testing, genetic services, genetic of charge, from Human Resources.
counseling or genetic diseases for which an individual may be at risk.

26 2019 MARVIN TOTAL REWARDS

IMPORTANT INFORMATION & NOTICES

Women’s Health and Cancer Rights Act Notice - Special screening will be used to provide you with information to help you understand
Rights Following Mastectomy. your current health and potential risks, and may also be used to help you
A group health plan generally must, under federal law, make certain benefits understand what wellness programs would be beneficial for you. You also
available to participants who have undergone a mastectomy. In particular, a are encouraged to share your results or concerns with your own doctor.
plan must offer mastectomy patients benefits for:
Protections from Disclosure of Medical Information
• Reconstruction of the breast on which the mastectomy We are required by law to maintain the privacy and security of your personally
has been performed identifiable health information. Although the wellness program and The
Marvin Companies may use aggregate information it collects to design a
• Surgery and reconstruction of the other breast to produce a program based on identified health risks in the workplace, Healics will never
symmetrical appearance disclose any of your personal health information either publicly or to the
employer. Your name as a participant, your participation status in the program,
• Prostheses and certain other limited health information (i.e., nicotine results and scores)
may be disclosed to sponsor employer for the purposes of administering the
• Treatment of physical complications of a mastectomy wellness program. All other health information resulting from the health risk
assessments will be held confidentially and not shared with sponsor employer
Our Plan complies with these requirements. Benefits for these items except as expressly permitted by law. Medical information that personally
generally are comparable to those provided under our Plan for similar types identifies you that is provided in connection with the wellness program will
of medical services and supplies. Of course, the extent to which any of these not be provided to your supervisors or managers and may never be used to
items is appropriate following a mastectomy is a matter to be determined make decisions regarding your employment.
by consultation between the attending physician and the patient. Our Plan
neither imposes penalties (for example, reducing or limiting reimbursements) Your health information will not be sold, exchanged, transferred, or otherwise
nor provides incentives to induce attending providers to provide care disclosed except to the extent permitted by law to carry out specific activities
inconsistent with these requirements. related to the wellness program, and you will not be asked or required
to waive the confidentiality of your health information as a condition of
Notice Regarding Wellness Program participating in the wellness program or receiving an incentive. Anyone who
The Marvin Wellness Incentive Program is a voluntary wellness program receives your information for purposes of providing you services as part of
available to all employees who are eligible for one of the Company’s medical the wellness program will abide by the same confidentiality requirements.
plans. The program is administered according to federal rules permitting The only individuals who may receive your personally identifiable health
employer-sponsored wellness programs that seek to improve employee information are companies engaged by sponsor employer and/the wellness
health or prevent disease, including the Americans with Disabilities Act of program for purposes of administering the bonus or incentive related to
1990, the Genetic Information Nondiscrimination Act of 2008, and the the program and/or providing you with follow-up coaching, counseling
Health Insurance Portability and Accountability Act, as applicable, among or related services under the wellness program (including nurses, health
others. If you choose to participate in the wellness program you will be asked coaches, health advisors, disease management vendors).
to complete a voluntary health risk assessment or “HRA” that asks a series
of questions about your health-related activities and behaviors and whether In addition, all medical information obtained through the wellness program
you have or had certain medical conditions (e.g., cancer, diabetes, or heart will be maintained separate from your personnel records, information stored
disease). You will also be asked to complete a biometric screening, which will electronically will be encrypted, and no information you provide as part
include a blood test for 14 Chemistries/Cholesterol & components/cotinine of the wellness program will be used in making any employment decision.
(S) including: total cholesterol, HDL, LDL, triglyceride levels, glucose levels, Appropriate precautions will be taken to avoid any data breach. In the event
cotinine (tobacco use), chemistry panel (BUN, creatinine, uric acid, SGOT, a data breach occurs involving information you provide in connection with
SGPT, alk phos, protein, albumin, total bilirubin, globulin, calcium, LDH) the wellness program, you will be notified.
and GGT (liver function). The laboratory transmits results electronically to
Healics. You are not required to complete the HRA or to participate in the You may not be discriminated against in employment because of the medical
blood test or other medical examinations. information you provide as part of participating in the wellness program, nor
may you be subjected to retaliation if you choose not to participate.
However, employees who choose to participate in the wellness program
will avoid applicable surcharges for completing a biometric screening If you have questions or concerns regarding this notice, or about protections
(Basic Medical Screen) and reviewing the results (Report Delivery Session). against discrimination and retaliation, please contact your local Human
Although you are not required to complete the HRA or participate in Resources department.
the biometric screening, only employees who do so will avoid the non-
participating surcharges. Health-Contingent Wellness Program – Reasonable
Alternative Standards
Additional surcharges may be imposed on employees who do not participate Your health plan is committed to helping you achieve your best health. Rewards
in certain health-related or achieve certain health outcomes such as being for participating in a wellness program are available to all employees. If you
Tobacco/Nicotine Free or in a Certified Quit Attempt. If you are unable to think you might be unable to meet a standard for a reward under this wellness
participate in any of the health-related activities or achieve any of the health program, you might qualify for an opportunity to earn the same reward by
outcomes required to earn an incentive, you may be entitled to a reasonable different means. Contact Human Resources and we will work with you to
accommodation or an alternative standard. You may request a reasonable find a wellness program with the same reward that is right for you in light of
accommodation or an alternative standard by contacting your local Human your health status.
Resources department.

The information from your HRA and the results from your biometric

2019 MARVIN TOTAL REWARDS 27

CONTACT INFORMATION

BENEFIT ADMINISTRATOR WEBSITE PHONE
800.961.4396
Medical Plan BlueCross BlueShield MN www.bluecrossmnonline.com
Online Benefits Portal N/A
Bswift www.marvin.bswift.com 800.829.5601
COBRA Coverage 800.432.5427
Basic Medical Screens Innovo N/A 800.961.4396
Healics www.healics.com 800.859.2144
Prescription Plan Prime Therapeutics www.myprime.com 800.859.2144
Health Savings Accounts Further www.hellofurther.com 800.448.3815
Flexible Spending Accounts Further www.hellofurther.com 800.877.7195
Delta Dental of Minnesota www.deltadentalmn.org 855.531.4694
Dental Plan 877.458.6425
Vision Plan VSP www.vsp.com 888.301.5615
Hearing Benefits 800.243.6108
Supplemental Insurance Amplifon www.amplifonusa.com 800.411.7239
Life Insurance Plans 888.301.5615
Travel Assistance Aflac www.aflacgroupinsurance.com 888.301.5615
Beneficiary Assistance The Hartford www.AbilitiyAdvantage.TheHartford.com 888.301.5615
Short-Term Disability The Hartford 844.465.4455
Long-Term Disability The Hartford N/A
Leave Management The Hartford N/A 866.904.0910
Retirement Plan – 401(k) Plan The Hartford www.AbilitiyAdvantage.TheHartford.com N/A
Employee Assistance Program The Hartford www.AbilitiyAdvantage.TheHartford.com N/A
Medical Advice www.AbilitiyAdvantage.TheHartford.com
Online Care 866.253.2273
Mental Health Empower Retirement www.empowermyretirement.com
Benefits Advocates
Varies by Location - See page 22 for more details

Best Doctors https://members.bestdoctors.com
Doctor on Demand www.doctorondemand.com/bcbsmn

Learn to Live www.learntolive.com/partners
DirectPath advocacy.directpathhealth.com

HUMAN RESOURCE IMPORTANT NOTICE
DEPARTMENTS
This guide describes the benefits available to employees of The Marvin Companies
Location Phone effective JANUARY 1, 2019. It does not include all the details about each benefit plan,
program, features and rules and is subject to change at any time without notice.
Baker City 541.523.6318 For details and terms of your benefit plans, refer to the Summary Plan Descriptions
Grafton 701.352.4077 (as described by the Employee Retirement Income Security Act) and insurance
Integrity (Fargo) 701.277.0522 certificates available for each qualified benefit plan. To obtain copies of the plan
Integrity (WFN) 701.364.1100 documents, contact your local Human Resources department.
Integrity (WFS) 701.499.3700
Integrity (Roanoke) 540.777.1720 19915599 2018-10-12
New York 607.753.6706
Ripley 731.635.6400
Tecton Fargo 701.277.0209
Tecton Roanoke 540.380.5819
Warroad & Eagan 218.386.4222

28 2019 MARVIN TOTAL REWARDS