Safeguard Benefit Guide 2021_v5

2021 BENEFITS GUIDE

BENEFITS GUIDE

BENEFITS GUIDE

WELCOME!

ANNUAL OPEN
ENROLLMENT

MAY 26 – JUNE 3

DON’T MISS YOUR
CHANCE TO UPDATE

YOUR BENEFITS.
4

At Safeguard we recognize the hard work and dedication
that goes into your work every day. That’s why as a
Safeguard employee, you have access to a comprehensive
and competitive benefits package.

Get to know your plan options — how they work, what they
cost and what they cover.

READ

Read this guide and any attachments included with it to learn about the plan options available to you for 2021-2022.

CHOOSE

Choose the benefits options that work best for you, based on your needs, budget and family situation. All employees are
required to visit the ADP portal (https://workforcenow.adp.com) to make one of three choices – decline coverage,
change your current coverage or confirm your current benefits for the upcoming year.

ENROLL

Enroll in your benefits during Open Enrollment: Wednesday, May 26th to Wednesday, June 2nd.
Click “Benefits” tab and then “Review/Change Benefits.” You must complete this confirmation no later than June 2nd or
you will forfeit your opportunity to enroll or make any changes to your benefit elections until the next Open Enrollment,
unless you experience a “Qualified Life Changing Event” and notify Julia Davis within 30 days. Elections made during
open enrollment will remain in effect from July 1, 2021 to June 30, 2022.

ALEX!

Find the benefit plans that you and your family will love with ALEX®! ALEX is an easy-to-use online tool that will educate
you on your benefit offerings and make sure you get the RIGHT amount of coverage for your needs. Connect with ALEX
at: https://www.myalex.com/Safeguard-self-storage/2021-22

5

COVERAGE
&

ELIGIBILITY

Our coverage runs from July 1– June 30 of each year. Our benefits
program provides coverage to employees, spouses and children who
meet certain requirements.

WAIVE COVERAGE

You may waive coverage offered through Safeguard Self Storage.
However, once you waive coverage, you will not be able to enroll
until the next scheduled annual enrollment period or within the
deadline required for a qualifying life event, according to applicable
federal and/or state laws or the plan documents.

6

EMPLOYEES

You are eligible for medical, dental, vision, flexible
spending accounts, long and short-term disability, life
and AD&D and voluntary life insurance if:
▪ You are a full-time employee regularly scheduled to

work at least 30 hours per week
▪ Newly eligible employees are able to participate in

the benefits after completing the waiting period: first
of the month following 30 days from your start date

ELIGIBLE
DEPENDENTS

If you cover yourself as an active employee, you may
enroll your eligible dependents in certain benefits as
described in this guide. Eligible dependents include your
spouse or domestic partner, your children or your
spouse’s children up to the age 26, including:
▪ Biological children
▪ Stepchildren
▪ Legally adopted children
▪ Foster children
▪ Covered by a Qualified Medical Child Support Order
▪ Child(ren) of whom you have legal guardianship

7

We offer two
different medical
plans. Each plan
has the same
provider networks,
pharmacy formulary
and covered
services. The main
difference is how
you pay for care.

8

MEDICAL PLAN OPTIONS
BENEFITS
Regardless of which plan you choose, you will have access to the
following provider networks:

AETNA POINT AETNA HIGH
OF SERVICE DEDUCTIBLE
(POS) PLAN HEALTH PLAN
(HDHP)
The Aetna Open Access POS Plan
gives you the freedom to choose the The HDHP allows you to select care
doctor or hospital you want to see for from in-network and out-of-network
covered services. You may use a providers each time you or a covered
doctor or hospital in the Aetna POS dependent needs medical care. You do
provider network, or you may use any not need to select a primary care
doctor, hospital, or licensed provider of physician (PCP) to direct your care.
your choice. You do not have to select
a primary care physician (PCP) to The Aetna HDHP features a high annual
direct your care when you enroll in the deductible for those wishing to
POS Plan. You will, however, receive minimize their monthly premium.
higher benefits when you use Participation in the HDHP allows you to
In-Network Aetna POS providers. set up a Health Savings Account (HSA)
so that you may pay for eligible
▪ Higher premium per month expenses on a tax-advantaged basis.
▪ Lower deductible See more information on HSAs on page
▪ Higher out of pocket maximum 17.

annually ▪ Lower premium per month
▪ Copays for “routine” services – ▪ Higher deductible which applies to

doctors office visits, urgent care, all services
prescriptions ▪ Lower out of pocket maximum
▪ You can budget for your out-of-
pocket expenses by funding a annually
health care flex spending account ▪ You can budget for your out-of-
(FSA)
▪ Preventive care is covered at pocket expenses by funding a
100% health savings account (HSA)
▪ You must open a PayFlex account
▪ Preventive care is covered at
100%

9

MEDICAL & PRESCRIPTION
DRUG BENEFITS

Aetna Medical Plan Comparisons AETNA POS AETNA HDHP

Plan Deductible (per calendar year) In Network Single/Family In Network Single/Family
Coinsurance $1,500 / $3,000 $2,800 / $5,600
Out of Pocket Maximum 0% 0%
$6,850 / $13,700 $2,800 / $5,600
(includes coinsurance, deductible and copays)
Preventive Services Covered 100% Covered 100%
Office Visits
$25 copay 0% after deductible
Primary Care Physician $50 copay 0% after deductible
Specialist $25 copay $40 consult fee; 100% after deductible
Teladoc Virtual Sick Visit
Emergency Services $75 copay 0% after deductible
Urgent Care Clinic $400 copay 0% after deductible
Hospital Emergency Room
Hospital 0% after deductible 0% after deductible
Outpatient Facility 0% after deductible 0% after deductible
Inpatient Facility
Prescriptions $3 0% after deductible
Tier 1A $10 0% after deductible
Tier 1 $30 0% after deductible
Tier 2 $60 0% after deductible
Tier 3 $150 0% after deductible
Specialty Drugs 2.5 times retail; specialty excluded 0% after deductible; specialty excluded
Mail Order (90 Day Supply) Out of Network Single/Family Out of Network Single/Family
$5,000 / $10,000 $12,000 / $24,000
Plan Deductible (per calendar year) 30%
Coinsurance $10,000 / $20,000 30%
Out of Pocket Maximum $20,000 / $40,000
30% after deductible
(includes coinsurance, deductible and copays) 30% after deductible
Preventive Services 30% after deductible
Office Visits 30% after deductible 30% after deductible
30% after deductible
Primary Care Physician 30% after deductible
Specialist $400 copay 30% after deductible
Emergency Services 30% after deductible
Urgent Care Clinic 30% after deductible
Hospital Emergency Room 30% after deductible 30% after deductible
Hospital 30% after deductible
Outpatient Facility
Inpatient Facility

CHOOSE THE RIGHT PLAN FOR YOU

Safeguard’s medical plans are offered through Aetna. Employees will have a choice between a traditional $1,500
deductible POS and a High Deductible Health Plan (HDHP). Both plans are Open Access and do not require the
selection of a Primary Care Physician or a referral to see a specialist. Please refer to the chart above for a
summary of the plan’s major features.

*INFORMATION ABOUT YOUR DEDUCTIBLE*
Your medical deductible starts over January 1st of each year. Participants enrolled in the Aetna POS plan receive
a fourth quarter carry over. Meaning any amount that you pay toward your deductible in the fourth quarter of a

10calendar year (between October 1 and December 31) is credited for the current year and 2022 calendar year!

PRESCRIPTION
DRUG BENEFITS

All medical plans cover drugs
dispensed by pharmacies in our
contracted network. Here’s how it
works:
▪ With the POS plan, you pay

copays that accumulate
towards your out-of-pocket
maximum.
▪ With the HDHP plan, you must
meet your deductible before
prescriptions are covered at
100%.

ACCESS THE
AETNA
ADVANCED
CONTROL
FORMULARY

▪ Visit
https://www.aetna.com/individu
als-families/find-a-
medication/2021-aetna-
advanced-control-
plan.html?plan-
year=2021&plan-name=aetna-
advanced-control-plan.

▪ Type in your prescription or
view the entire drug list.

TIPS TO SAVE MONEY

▪ Ask your doctor, pharmacist or other healthcare providers about less expensive generic or brand name
options.

▪ Fill prescriptions at an in-network pharmacy near you.
▪ Check your drug manufacturer’s website to see if there are any coupons for the prescription you are taking.
▪ Download GoodRx App, this is essentially the same as a discount card. Type in the prescription with your

zip code and the discounted costs at surrounding pharmacies appear.
▪ You can also receive saving by filling prescriptions at COSTCO, Sam’s Club and BJ’s as well as using mail

order and getting a 90-day supplies.

11

TELEMEDICINE

WHEN YOU NEED A DOCTOR, MAKE A SMART CHOICE.

TELADOC® INFORMED HEALTH®
LINE
THE CONVENIENT CHOICE
THE CONVENIENT CHOICE
Talk to a doctor in minutes
Visit by phone or video
Available 24/7/365, anywhere
Get a prescription
Never more than an office visit
Cannot treat more severe medical conditions

Talk to a nurse in minutes
Visit by phone or video
Available 24/7/365, anywhere
Call toll free 1-800-556-1555
Call as many as you need at no extra cost
Cannot get a prescription

FAMILY DOCTOR DOES NOT INCLUDE
May not be available for days
THE IN-OFFICE CHOICE Must leave home or work
Sit in a waiting room with other sick people
INCLUDES
Long-term relationship URGENT CARE / ER
Periodic checkups
Treats more severe issues THE EMERGENCY CHOICE

12 Extended hours or 24/7/365
Treats emergency issues
High cost of care
Long wait times
Must leave home or work
Sit in a waiting room with other sick people

TELADOC®
INCLUDES

SICK VISIT

▪ Cost is based on your plan
• POS: $25 copay
• HDHP: $40 consult fee until
deductible is met

▪ Board-certified doctors are available 24/7
by web, phone or app

▪ Treat flu, allergies, sinus infections, rash,
sore throat and more

DERMATOLOGY

▪ Cost is based on your plan
• POS: $50
• HDHP: $75 consult fee

▪ Log into your account to upload images
of your skin issue

▪ Receive a response through Teladoc’s
secure online message center within two
business days

▪ Treat on-going or complex issues like
psoriasis, eczema, acne and more

BEHAVIORAL
HEALTH

▪ Cost is based on your plan
• POS: $50
• HDHP: $80 Non-MD
consult fee, $160 for initial
psychiatrist consult ($90 each
subsequent)

▪ Schedule a video appointment seven
days a week

▪ Support for anxiety, eat disorders,
depression, family issues or more

13

AETNA
TOOLS &
RESOURCES

GET ONLINE

To Access your Health Plan Tools
You can register with your SSN or Member ID at
www.aetna.com in order to:
▪ View your current benefits.
▪ Request an ID card.
▪ Check the status of a claim.
▪ View and print an Explanation of Benefits

(EOB).
▪ Locate in-network providers, facilities, and

pharmacies.
▪ Compare procedure and prescription costs

at different facilities and pharmacies.
▪ Access consumer health tools, wellness

resources and member only discounts.

Locating an In-Network Provider
▪ Log on to www.aetna.com
▪ Choose either “Find a Doctor,” or you may

choose to register and log in to Aetna
Navigator. Aetna Navigator will be
personalized for you and your dependents.
▪ If using “Find a Doctor” choose “Plan from
an employer”.
▪ Enter your zip code, then select the Open
Access Managed Choice network from the
drop down menu.
▪ You can search by provider name,
specialty, procedure, or condition in a
specific zip code or city.
▪ Click on “Search”.

14

HSA PLAN

An HSA is a personal health care savings account that you
can use to pay out-of-pocket health care expenses with
pre-tax dollars. Your contributions are tax free, and the
money remains in the account for you to spend on eligible
expenses no matter where you work or how long it stays in
the account.

HOW DOES THIS HOW DO I ACCESS MY
PLAN WORK? HSA MONEY?

This is a high-deductible medical plan. You pay 100% of There are three ways to access your money:
the non-preventive costs you incur until your deductible ▪ Debit card—Draws directly from your HSA and can be
is met. Once the deductible is met, you’ll pay
coinsurance until you reach the out-of-pocket maximum. used to pay for eligible expenses at your doctor’s
office, pharmacy or other locations where you
If you select this plan, the company will help you fund a purchase health-related items or services.
health savings account (HSA) with a set amount of ▪ Pay bills online—Send payments directly to your
money that goes toward your qualified medical health care providers, pharmacy or other payees for
expenses. eligible expenses you paid out of your pocket.
▪ Reimburse yourself—Request a check or schedule an
WHAT IS A HEALTH electronic account transfer to pay yourself back for
SAVINGS ACCOUNT eligible expenses you paid out of your pocket.
(HSA)?
HOW DO I USE THE
An HSA allows employees to set aside money on a pre- FUNDS?
tax basis to pay for qualified medical expenses. Unused
funds roll over year to year and if you leave the Once your account is opened, you will receive a debit card
organization, your HSA dollars go with you. Our HSA is just like any other bank account you own. You can use the
administered by PayFlex. debit card to pay when you pick up your prescription or pay
a provider bill. You can also pay via check or by using the
2021 IRS HSA online payment features available on the PayFlex website.
CONTRIBUTION
MAXIMUMS You can also use your HSA to pay for qualified health
expenses for your spouse or dependents, even if they are
▪ Individual coverage: $2,600 ($3,600 with not covered under your high-deductible health plan. As long
Safeguard’s $500 contribution from 7/1/2021 to as you use the funds on eligible expenses you will not be
12/31/2021 and $1,000* contribution from 1/1/2022 taxed.
to 12/31/2022)
Participants have the opportunity to invest in a variety of
▪ All other tiers: $5,200 ($7,200 with Safeguard’s
$1,000 contribution from 7/1/2021 to 12/31/2021 mutual funds once they have reached a minimum balance of
and $2,000* contribution from 1/1/2022 to
12/31/2022) $1,000.

▪ Catch-up contribution (if age 55+) $1,000 ▪ Members can begin managing their investments
*2022 IRS limits will be released later this year
through the PayFlex website by clicking “View My

Investment Journey” on the home page.

▪ For additional questions you can contact

1-844-PAYFLEX.

For more information on eligible expenses, please 15
review IRS Publication 502 on www.irs.gov.

HSA vs FSA

Learn about ways to save for healthcare expenses and avoid taxes.

Health Plan Enrollment HEALTH SAVINGS ACCOUNT HEALTHCARE FLEXIBLE
Requirement SPENDING ACCOUNT
Eligible Expenses HDHP with HSA
POS Plan
Annual Election Available on IRS approved medical, Rx, dental and vision
the First Day of the Plan Year expenses IRS approved medical, Rx, dental and vision
Safeguard Contribution expenses
No, funds are only available once deposited in
Funds Roll Over from One Year account Yes, entire annual election available on July 1st
to the Next even if not taken out of your paycheck yet
Individual: $1,000
Family: $2,000 None

Yes, your HSA dollars are yours to keep, even You may roll over all of your unused funds.
if you change plans or jobs Qualifying expenses must be submitted by

September 30th of the following year.

ENROLLED IN 2021 IRS ANNUAL ENROLLED IN
THE HDHP MAXIMUM HSA THE POS PLAN?
WITH HSA? CONTRIBUTIONS
Health Care Flexible Spending
Health Savings Account (HSA) Individual: $3,600 Account (HCFSA)
An HSA is an individually-owned Family: $7,200 A health care flexible spending
bank account that allows you to Catch-up contribution (if age 55+): account is a company-sponsored
pay for eligible health care $1,000 account that allows you to pay for
expenses with pre-tax dollars, for eligible health care expenses with
current or future health care Includes anything you or Safeguard pre-tax dollars. You can
needs into retirement. You own contributes to your HSA. contribute up to $2,750 for the
your account, and there are no 2021-2022 plan year.
“use it or lose it” restrictions like
with flexible spending accounts.
Your contributions to this account
cannot exceed the IRS annual
contribution limits, however your
balance can grow with no limit.

16 16

FLEXIBLE SPENDING ACCOUNTS

HOW FLEXIBLE GENERAL-PURPOSE
SPENDING ACCOUNTS HEALTHCARE FSA
WORK
▪ If you choose the POS Plan, you can open a general-
Flexible spending accounts (FSAs) let you set aside pre-tax purpose healthcare FSA
dollars each pay period to pay for covered expenses. You
don’t pay federal income tax or Social Security tax on your ▪ You contribute up to $2,750 for 2021-2022
FSA contributions. ▪ You can use the account to pay for:

There are three FSAs you can participate in — all • Medical, dental and vision expenses not paid
administered by PayFlex: for under the plan, including deductibles,
▪ The general-purpose healthcare FSA (with the POS copayments and coinsurance.

plan) • Prescription drugs.
▪ The limited-purpose healthcare FSA (with the HSA • Over-the-counter drugs.
• Medical supplies like bandages and contact
plan)
▪ The dependent day care FSA lens supplies.
• Products like diabetic supplies, hearing aids
You can use FSA funds to pay for expenses incurred
between July 1, 2021 – June 30, 2022. You can submit and wheelchairs.
claims for your qualifying 2021 expenses through • Services like orthodontia and laser eye surgery.
September 30, 2022. NEW this year due to the pandemic ▪ You’ll receive an FSA debit card you can use to make
there is unlimited carryover so any unused funds will be eligible purchases.
available this upcoming plan year. ▪ Your debit card is loaded with your full account on
day one.
SAVE MONEY WITH FSA ▪ You pay into your account through pre-tax paycheck
deductions all year.
The money you contribute to an FSA comes out of your ▪ If you enroll in a high-deductible health plan in 2021,
paycheck before taxes. You end up with funds you can use your current health care FSA dollars must be spent
to pay for health and dependent care expenses — and pay by June 30, 2021 or roll over the funds into the
less in taxes on April 15. Limited Purpose FSA.

LIMITED-PURPOSE DEPENDENT CARE
HEALTHCARE FSA FSA

▪ If you enroll in the HDHP with an HSA, you are not If you have child or elder care expenses, consider taking
able to enroll in the Health Care FSA. advantage of the dependent care FSA. You can use the
dependent care FSA to set aside up to $5,000 per year
▪ You can enroll in a Limited Purpose FSA to maximize pre-tax dollars for child care expenses while you work.
your tax-free savings. Eligible expenses from a Examples of eligible dependent care expenses include:
Limited Purpose FSA only include out of pocket ▪ Day care and babysitter costs
dental and vision expenses. ▪ Nursery school
▪ Before- and after-school programs
▪ The Limited Purpose FSA maximum for the 2021 plan ▪ Summer day camps
year is $2,750.
The dependent care FSA is subject to the same
ELIGIBLE reimbursement rules as the health care FSA, including the
EXPENSES “use it or lose it” rule. Important tax rules also apply to the
dependent day care FSA. You can’t be reimbursed from
For a complete list of eligible medical and dependent care your FSA for any expense that is also covered by a tax
expenses, you may access publications #502 (healthcare) credit on your federal tax return. However, unlike the
and #503 (dependent care) on the web at www.irs.gov. health care FSA, your full election for the plan year is not
available on the day your plan starts. For the dependent
day care FSA, you can only be reimbursed for qualified
expenses up to the amount you have contributed to your

17FSA up to that point in time. As your contributions accrue,

claims for reimbursement can be processed.

DENTAL BENEFITS
[AETNA]

HERE’S HOW IT WORKS

The dental plan is a passive PPO plan, which means that benefits are the same both in and
out of network. Although the benefits paid are the same in- and out-of-network, it is to your
advantage to go to a provider in-network. Out-of-network providers have the option to
balance bill you for the amount that is not covered. Your plan may cover some out-of-
network costs, but the out-of-network provider is not obligated to accept Aetna’s payment as
payment in full. The provider can send you a bill for the remainder of the charges, even if it's
more than our plan's out-of-network copay or deductible. To find an in-network provider
please go to www.aetna.com.

For dental treatments (greater than $250) you should request a Pre-Determination of Benefits
Statement from your dentist so that you will have an estimate of the out-of-pocket costs
prior to beginning dental treatment.

The dental plan includes a preventive incentive benefit that excludes all covered preventive
services from the $2,000 annual plan maximum.

DENTAL $50 individual / $150 family
Deductible – per calendar year $2,000
Annual Maximum – Basic & Major Services
Preventive Services 100%, No deductible
Basic Services You pay 20%, after deductible
Major Services You pay 50%, after deductible
Orthodontia
You pay 50%, no deductible
Out of Network $1,500 lifetime maximum

Out-of-Network charges will be paid based on 90% of the
usual and customary charges

18

VISION BENEFITS
[AETNA]

We offer a vision plan administered by Aetna. If you or a covered dependent will need routine
eye care, our vision plan can make your glasses and contacts much more affordable.

HERE’S HOW IT WORKS

You and eligible family members have the opportunity to save on vision care services and
products. The vision plan allows you to save on everything from vision exams to eyeglasses
to contact lenses. You’ll save by going in-network, however you can file a claim with Aetna
for a reimbursement (called an allowance) if you visit an out-of-network provider.

VISION IN-NETWORK OUT-OF-NETWORK
$32 reimbursement
Eye Exam – covered once every 12 You pay $10 copay
months $15 – 60 reimbursement,
depending on lens type
Lenses – one pair covered once every You pay $20 copay
$90 reimbursement
12 months
$90 reimbursement
Frames – one frame covered once Spend up to $130; 20% discount off
$104 reimbursement
every 24 months remaining balance $200 reimbursement

Contact Lenses – covered once every Conventional: Spend up to $130; 15%

12 months in lieu of eyeglass lenses discount off remaining balance

Disposable: $130 allowance

Medically necessary: covered 100%

1199

LIFE & DISABILITY
BENEFITS

BASIC LIFE AND EMPLOYEE VOLUNTARY LIFE SUPPLEMENTAL
AD&D INSURANCE LIFE

Safeguard provides basic life Monthly Cost to Employee Per $1,000 In addition to your basic life
insurance to all full-time employees insurance, you may elect to enroll in
with a payout benefit equal to one Age Per $1,000 additional life insurance for yourself
(1) times your annual earnings, up in $10,000 increments up to the
to a maximum of $250,000. less than 25 $0.070 lesser of $500,000 or 5x annual
earnings. The cost of the coverage
Accidental Death and 25-29 $0.070 is based on your age and the
Dismemberment (AD&D) provides amount of coverage elected.
benefits if you die or suffer serious 30-34 $0.080
injury as a result of a covered 2021 Open Enrollment: employees
accident. Safeguard provides you 35-39 $0.100 may elect an additional 2x ($20,000)
with AD&D insurance in the amount to a maximum of $150,000 without
equal to your life insurance benefit. 40-44 $0.150 submitting evidence of insurability.

You are automatically enrolled and 45-49 $0.240 New Hires: the guarantee issue
this policy is effective upon date of amount for voluntary life coverage
hire. When making your plan 50-54 $0.360 is $150,000. This is the most
selections in ADP, be sure to coverage you can purchase without
designate a beneficiary for this 55-59 $0.600 submitting evidence of insurability
benefit. (a medical questionnaire).
60-64 $0.690

65-69 $1.360

70+ $2.330

20

SHORT TERM
DISABILITY

Safeguard provides full-time employees with a short term
disability benefit through Lincoln Financial and pays the
full cost. This plan will provide you with a portion of your
normal weekly income, up to 90 days while off work due
to a sickness, personal injury (non job related), or
pregnancy and childbirth.

LIFE & DISABILITY BENEFITS

LONG TERM DISABILITY 21

Safeguard provides all eligible, full-time employees a Long Term
Disability benefit through Lincoln Financial. This plan provides an
income benefit of 60% of your monthly earnings to a monthly
maximum of $10,000. Benefits become available on the first of the
month following three months of employment with Safeguard. Long
Term Disability has a 90 day waiting period, in which you might be
eligible for Short Term Disability.

Employees have the option to avoid paying taxes on the Long Term
Disability benefits paid if they chose to be taxed on the employer
paid premium. Your taxable portion will be included in your 2021 W-
2. If you elect to be taxed on the premium that Safeguard pays on
your behalf and subsequently become disabled in that plan year, all
Long Term Disability benefits paid to you while out on disability will
be 100% tax free.

Your election to have the value of your employer paid premium for
Long Term Disability coverage included on your W-2 as taxable
income must be made prior to the beginning of the plan year in
which the election becomes effective, and the election is irrevocable
once the plan year begins. You will be offered the option of making
a change annually per IRS regulations.

If you elect not to include the value of the employer paid Long Term
Disability benefit on your W-2, any benefits paid to you will be
considered taxable income for the duration of your disability.

WELLBEING BENEFITS

We provide safe, quality and ONLINE WILL
compassionate care to our PREPARATION
employees. This is why we SERVICES
offer several programs to
help you and your family Online will preparation is an enhanced product service
reach your personal available with your group life insurance coverage from Lincoln
wellbeing goals. Financial. The service provides you the ability to simply and
quickly create a standard will that meets your needs and is
EMPLOYEE valid in all states – free of charge. Known as the LifeKeys
ASSISTANCE Program, the service can be accessed online at your
PROGRAM convenience.
(LIFEKEYS)
Create Your Will Today – go to www.guidanceresources.com.
We all experience times when we need a little Once your will has been created, please remember to keep
help with life’s challenges. We understands your beneficiary up to date!
this and provides an EAP at no cost to you.
This plan exists to assist you and your family TRAVEL ASSISTANCE
members by offering support, guidance, and
resources in resolving personal issues. Travel services are provided through Lincoln via
▪ Free confidential help 24/7 UnitedHealthcare Global and are available 24 hours a day to
▪ 4 face to face assessment and counseling help with emergencies when traveling more than 100 miles
from home. The Travel Assistance service can arrange and
sessions per year facilitate medical care, emergency medical evacuation and
▪ Includes assistance with life, family, repatriation; help refill lost, stolen, or depleted prescription
drugs, assist with lost documentation and much more.
financial or work issues
▪ Available to all eligible employees and COMMUTER BENEFIT

family members Commuter Benefits allow you to pay for qualified
transportation and/or parking expenses with pre-tax dollars.
Employees, their dependents, or their ▪ The transportation Spending Account is used to pay for
beneficiaries can call to discuss any situation
perceived as a major loss including: eligible mass transit or vanpool expenses associated with
▪ Death of a loved one, spouse, or partner travel to and from work, including bus, train, or subway.
▪ Divorce There is a monthly maximum election of $270.
▪ Loss of a job ▪ The Parking Spending Account is used to pay for eligible
▪ Receiving a serious medical diagnosis parking expenses either near your place of employment
▪ Losing a pet or at a location from which you commute to work via
mass transit or vanpool. There is a monthly maximum
You can access your EAP by calling election of $270.
855.891.3684 or at guidanceresources.com.
The Web ID to access the website is: LifeKeys. BENEFITS ADVOCATE
All services are provided at no cost to you and
your family. Our insurance broker, Fallon Benefits Group, provides claim
assistance services. Fallon Benefits Group is available to
22 assist you with interpreting your EOB (explanation of benefits),
understanding your benefits, healthcare claims, claim denials
and appeals, and network provider issues.

You can contact your Benefit Advocate, Madalyn Maierhafer,
at 404.814.6054 or [email protected].

BENEFIT PLAN PREMIUMS

Listed here are the semi-monthly premiums for your medical, dental, and
vision insurance. The amount you pay for coverage is deducted from
your paycheck on a pre-tax basis.

MEDICAL POINT OF SERVICE PLAN HIGH DEDUCTIBLE HEALTH PLAN*

Employee $96.59 $78.55
Employee + Spouse $275.57 $224.10
Employee + Child(ren) $245.24 $199.44
Family $390.28 $317.39

*If you elect the High Deductible Medical Plan vs. the Point of Service Plan, annual premium savings would
be between $433 for employee only to $1749 for full family coverage.

Employee DENTAL AETNA
Employee + Spouse VISION $7.90
Employee + Child(ren) $15.75
Family $17.80
$28.52
Employee
Employee + Spouse AETNA
Employee + Child(ren)
Family $3.38
$6.42
$6.75
$9.93

23

IMPORTANT NOTICES

24 WOMEN’S HEALTH AND
CANCER RIGHTS

Under the Women’s Health and Cancer Rights, a plan participant
or beneficiary who elects breast reconstruction in connection with
a covered mastectomy is also entitled to the following benefits: All
states of reconstruction of the breast on which the mastectomy
was performed; Surgery and reconstruction of the other breast to
produce a symmetrical appearance; and, Prostheses and
treatment of physical complications of the mastectomy, including
lymphedemas.

Health plans must provide coverage of mastectomy-related
benefits in a manner determined in consultation with the attending
physician and the patient. Coverage for breast reconstruction and
related services are subject to deductibles and coinsurance
amounts that are consistent with those that apply to other
benefits under the plan.

CHILDREN’S HEALTH
INSURANCE PROGRAM
(CHIP)

If you are eligible for health coverage from your employer, but are
unable to afford the premiums, some States have premium
assistance programs that can help pay for coverage. These
States use funds from their Medicaid or CHIP programs
to help people who are eligible for employer-sponsored health
coverage, but need assistance in paying their health premiums.

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 assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid
or CHIP, and you think you or any of your dependents might be
eligible for either of these programs, you can contact your State
Medicaid or CHIP office or dial 1-877-KIDS NOW or
www.insurekidsnow.gov to find out how to apply. If you qualify,
you can ask the State if it has a program that might help you pay
the premiums for an employer sponsored plan.

Once it is determined that you or your dependents are eligible for
premium assistance under Medicaid or CHIP, your employer’s
health plan is required to permit you and your dependents to
enroll in the plan – as long as you and your dependents are
eligible, but not already enrolled in the employer’s plan. This is
called a “special enrollment” opportunity, and you must request
coverage within 60 days of being determined eligible for premium
assistance.

More detailed information about MEDICARE PART D
Medicare plans that offer prescription NOTICE
drug coverage is in the “Medicare &
You” handbook. You’ll get a copy of There are two important things you need to know about your current
the handbook in the mail every year coverage and Medicare’s prescription drug coverage:
from Medicare. You may also be
contacted directly by Medicare drug 1. Medicare prescription drug coverage became available in 2006
plans. For more information about to everyone with Medicare. You can get this coverage if you join
Medicare Prescription Drug coverage, a Medicare Prescription Drug Plan or join a Medicare Advantage
log onto www.medicare.gov, call Plan that offers prescription drug coverage. All Medicare drug
1-800-MEDICARE (1-800-633-4227), plans provide at least a standard level of coverage set by
or call your State Health Insurance Medicare. Some plans may also offer more coverage for a higher
Assistance Program (see the inside monthly premium.
back cover of your copy of the
“Medicare & You” handbook for their 2. Safeguard has determined that the prescription drug coverage
telephone number). offered by Aetna is, on average for all plan participants,
expected to pay out as much as standard Medicare prescription
If you have limited income and drug coverage pays and is therefore considered Creditable
resources, extra help paying for Coverage. Because your existing coverage is Creditable
Medicare prescription drug coverage is Coverage, you can keep this coverage and not pay a higher
available. For more information, visit premium (a penalty) if you later decide to join a Medicare drug
socialsecurity.gov, or call plan.
1-800-772-1213.
You can join a Medicare drug plan when you first become eligible for
Remember: Keep this Creditable Medicare and each year from October 15th through December 7th.
Coverage notice. If you decide to However, if you lose your current creditable prescription drug
join one of the Medicare drug plans, coverage, through no fault of your own, you will also be eligible for a
you may be required to provide a two month Special Enrollment Period to join a Medicare drug plan.
copy of this notice when you join to
show whether or not you have If you decide to join a Medicare drug plan, your current Safeguard
maintained creditable coverage and, coverage will not be affected. See pages 7- 9 of the CMS Disclosure
therefore whether or not you are of Creditable Coverage To Medicare Part D Eligible Individuals
required to pay a higher premium (a Guidance, which outlines the prescription drug plan provisions/options
penalty). that Medicare eligible individuals may have available to them when
they become eligible for Medicare Part D. If you do decide to join a
Medicare drug plan and drop your current Safeguard coverage, be
aware that you and your dependents may not be able to get this
coverage back.

You should also know that if you drop or lose your current coverage
with Safeguard and don’t join a Medicare drug plan within 63
continuous days after your current coverage ends, you may pay a
higher premium (a penalty) to join a Medicare drug plan later.

If you go 63 continuous days or longer without creditable prescription

drug coverage, your monthly premium may go up by at least 1% of the

Medicare base beneficiary premium per month for every month that

you did not have that coverage. For example, if you go nineteen

months without creditable coverage, your premium may consistently

be at least 19% higher than the Medicare base beneficiary premium.

You may have to pay this higher premium (a penalty) as long as you

have Medicare prescription drug coverage. In addition, you 25
may have to wait until the following October to join.

WE’RE HERE
TO HELP!

MEDICAL, RX, TELEMEDICINE TRAVEL
DENTAL, VISION ASSISTANCE
Teladoc
Aetna Teladoc.com/Aetna UnitedHealthcare Global
aetna.com 855-835-2362 [email protected]
888-266-5519 US 800-527-0218
LIFE AND International 410-453-6330
HEALTH DISABILITY
SAVINGS CLAIMS &
ACCOUNT Lincoln BENEFITS
lfg.com SUPPORT
PayFlex 800-423-2765
payflex.com/products-and- Madalyn Maierhafer
services/health-savings-account EMPLOYEE Fallon Benefits Group, Benefit
888-879-9280 ASSISTANCE Advocate
PROGRAM & [email protected]
FLEXIBLE ONLINE WILL 404-814-6054
SPENDING PREPARATION
ACCOUNTS SAFEGUARD
LifeKeys HUMAN
PayFlex Guidanceresources.com RESOURCES
Wageworks.com/employees/ WebID: LifeKeys TEAM
877-924-3967 855-891-3684
Julia Davis
[email protected]
404-264-7641

Jim Johnson
[email protected]
4040-264-7608