LG 2014 Enroll News_7

2014 Enrollment Newsletter

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Welcome to
Open Enrollment 2014

At Landis+Gyr, we know that your commitment and hard work are critical to the company retaining
its global leadership position in delivering energy management solutions. Your dedication allows us to
collectively address the worldwide energy challenges of today and tomorrow.

That is why your quality of life is very important to all of us. Our benefits package translates that
importance into dynamic and flexible programs that provide you value today and tomorrow. Through
the benefit programs, you and your family have access to comprehensive health insurance, financial
protection through life and disability insurance, a variety of tax-deferred and post-tax retirement savings
options, and numerous resources to support your overall well-being.

Each year we take a close look at our benefit plans to ensure they remain compliant and affordable for
both you and the company. Maintaining the financial integrity of the benefits program while continuing to
offer a range of benefits can be a challenge in this economic environment. Balancing these demands is
never easy and, each year, it requires some changes.

The good news for 2014 is that there are minimal benefit plan design changes (see “What’s New” on page
3 for details). However, health care costs continue to rise, and the Patient Protection and Affordable Care
Act (also known as Health Care Reform) imposes new fees on health care plans. For 2014, medical plan
contributions are increasing as a result of the Act, but the company will continue to contribute a majority of
the premium costs.

As costs increase, we must all work to use available benefits wisely. I encourage you to take time to review
the benefits programs that the company offers to choose those that are right for you and your family. Take
a closer look at the High Deductible Health Plan (HDHP) — it puts you in charge of managing your health
and your money — and consider the flexibility of all the benefits available to you.

The following pages summarize your benefit options for 2014, and include important information about
what’s new and the open enrollment process and deadlines. Be an informed health care consumer by
ensuring you understand your options through review of this newsletter; by attending benefit meetings
when they are offered at your location; and by asking questions of your human resources team — they are
always available to answer any questions you have about your benefit package.

Thank you very much for your continued efforts and support.

Richard Mora,

Chief Executive Officer
Landis+Gyr

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Open Enrollment is Here!

Open enrollment for your 2014 Landis+Gyr benefits is Monday, October 28 through Sunday, November 10, 2013.
This is your once-a-year opportunity to change your benefits. During open enrollment you can:

• C hange plans
• Add or delete dependents from your coverage
• Change coverage levels
• E nroll in a Health Care or Dependent Care Flexible Spending Account (FSA)
• Elect the Health Savings Account (HSA) and open a Limited Purpose FSA if you enroll in the High

Deductible Health Plan (HDHP).

The benefit elections you make during open enrollment are effective from January 1, 2014, through
December 31, 2014.

It is important that you consider your elections carefully. After open enrollment ends on November 10, you
will not be able to make benefit changes until next year’s open enrollment unless you have a qualified status
change (e.g., you get married or have a baby).

Important Note — Open Enrollment Checklist
You Must TAKE
ACTION DURING It’s important that you make informed benefit
OPEN ENROLLMENT decisions during open enrollment. The
checklist below will help guide you through
Open Enrollment 2014 is an “active” the enrollment process.
enrollment, which means you must enter the
enrollment system and make an election,  Familiarize yourself with your medical
even if you don’t want coverage in 2014. If plan options so that you can choose the
you don’t take any action, you will be enrolled in plan that’s right for you and your family
the following default benefits: in 2014.

• Medical — you will be enrolled in the HDHP at  Review your current benefit choices
employee only coverage for 2014 and discuss your benefit needs for the
coming year with your family.
• Dental — you will have no dental coverage for
2014  Decide what changes you want to make
(if any).
• V ision — you will have no vision coverage for
2014  Gather the information you will need to
complete new enrollments:
• F lexible Spending Accounts — you will
not participate in either the Health Care or - Dependent Social Security numbers
Dependent Care FSA
- Beneficiary names, addresses, and
• O ptional Life and Disability — your current Social Security numbers (if they are
elections will remain in place for 2014 US residents).

 Complete your online enrollment by
Sunday, November 10, at
https://portal.adp.com

28 10OCTOBERNOVEMBERRemember, this is your
only chance to make
benefit changes —
and enroll for medical
coverage — for 2014!

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What’s New for 2014 Same Sex Spouse Benefits

For 2014, we’re making minor changes to your The United States Supreme Court recently
benefits: ruled that the provision of the federal
Defense of Marriage Act (DOMA) barring
• In both the Choice Plus Plan and HDHP, due to federal recognition of same-sex marriages
Health Care Reform, all of your copays for doctor’s is unconstitutional. This means that legally
office visits, emergency room visits, prescription married same-sex couples will not be subject
drugs, urgent care visits, etc. will be included and to federal imputed income for same sex
apply to the annual out-of-pocket maximum. spouse coverage. Our medical, dental and
vision benefit plan will recognize a legally
• T he in-network, out-of-pocket maximums for both married spouse as defined under the law of
the Choice Plus Plan and the HDHP will increase. the state in which you live, including same
sex spouses where the marriage is legal
- For the Choice Plus Plan, the out-of-pocket under state law. During annual enrollment,
maximum will be $4,000 for individual you may enroll your legal same sex spouse in
coverage and $8,000 for family coverage. Landis+Gyr’s benefit programs for coverage
effective January 1, 2014.
- For the HDHP, the out-of-pocket maximum will
be $4,500 for individual coverage and $9,000 • C ontributions for the medical, dental and vision
for family coverage. plans will increase. Please see the enrollment guide
on Sharepoint for the 2014 contribution amounts.
- For both plans, the out-of-pocket maximum
will include the deductible, your coinsurance,
and your copays.

• If you are enrolled in the HDHP, the total annual
contributions to an HSA will increase to $3,300 for
individual coverage and $6,550 for family coverage.
This includes Landis+Gyr’s contribution, so in 2014,
you will be able to contribute up to $2,800 if you
have individual coverage or up to $6,050 if you
have family coverage.

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Health Care Reform Update

On March 23, 2010, President Obama signed into law the Patient Protection and Affordable Care Act (ACA), which
is also known as Health Care Reform. The ACA put into place a variety of health insurance reforms designed to
decrease the number of uninsured Americans and reduce the overall cost of health care.

There are changes on the horizon for 2014 and 2015, including:

Individual Mandate If you have Landis+Gyr medical coverage and continue to have Landis+Gyr
(beginning 2014) medical coverage for the 2014 plan year, you don’t need to take action
regarding Health Care Reform at this time. If you don’t have medical coverage,
through either Landis+Gyr or another source, you should be aware that as of
January 1, 2014, the law will require almost all individuals in the U.S. to have health
care coverage, or face penalties, unless they qualify for an exemption.

Insurance Exchanges You may have received a notice about the new insurance exchanges (or
(beginning 2014) “marketplaces”) available in the U.S. as part of Health Care Reform. An insurance
exchange is an online public shopping site where individuals, families and small
business owners can shop for health plans. Each state will sponsor an exchange
that will offer affordable medical insurance options. Some exchanges will be run by
individual states, others by the federal government. In general, exchanges make the
most sense for individuals who don’t have access to employer-sponsored plans.

Important: Your Landis+Gyr medical coverage is likely more cost effective for
you than anything you can buy through the public insurance exchange. We have
thoroughly reviewed our medical plans to make sure they meet the law’s medical
plan coverage requirements. This means that employees eligible for medical
coverage through Landis+Gyr generally will NOT be eligible for a subsidy to buy
insurance from the exchange.

As part of the ACA, the federal government requires most organizations to provide
their employees with an insurance exchange notice. Our notice is available on
Sharepoint.

Employer Mandate The Employer Mandate states that beginning January 1, 2015, employers with 50 or
(beginning 2015) more full-time employees must:

• O ffer minimum essential coverage to “substantially all” full-time employees, and
• Provide plans to full-time employees that are “affordable,” as defined by the law,

and that meet certain minimum value requirements. Otherwise, an employer
must pay a penalty if a full-time employee or his/her eligible dependent receives
subsidized coverage through an insurance exchange.

Beginning January 1, 2015, a full-time employee under this law is defined as an
individual working on average 30 or more hours per week. More information will be
available as the government releases clarification on many of these provisions.

Landis+Gyr will continue to evaluate the provisions of Health Care Reform and what it means for our company, and
will keep you informed as additional details emerge.

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Have You Considered the HDHP?

The HDHP and the Choice Plus Plan cover the same medical services and use the same provider network. The
difference lies in your contributions for coverage, the deductible, the copays for prescription drugs, the out-of-
pocket maximum, and how you pay for services.

Your contributions are lower and the deductible is higher for the HDHP. You pay 20% of the cost for in-network
doctor’s visits after you meet the deductible, instead of a copay. In both plans preventive care is covered at 100%
with no deductible when you use an in-network provider. The HDHP has an additional feature — the HSA, a tax-
advantaged account that lets you save money on a pre-tax basis that you can use for eligible expenses now and
in the future, such as health care expenses not covered by the plan and retiree medical coverage. To help your
account grow, Landis+Gyr makes an automatic contribution to your account each year.

All this adds up to comprehensive coverage that can be cost-effective for both you and Landis+Gyr.

Why the HDHP May Be Right for You

1. Lower premiums: You pay less for HDHP premiums than you would for Choice Plus Plan coverage.
2. More control: You choose how you pay for your health care expenses not paid by the plan — out of pocket or

with your HSA.
3. Access to an HSA: You have a tax-advantaged account that you own and pre-tax dollars to pay for eligible

expenses now and in the future. Plus, Landis+Gyr contributes to this account.

A Closer Look at the HDHP

Preventive Care (100%) The plan covers preventive care, such as annual physicals and screenings,
at 100% with no deductible when you use an in-network provider.

Annual Deductible You pay the full cost of the allowable charge
(including prescription drug costs) until you
reach the deductible.

Coinsurance If you cover any dependents, the family HSA
Out-of-Pocket Maximum deductible must be met before the plan You can use HSA funds
begins to pay benefits for any person. One to pay for health care
person, or a combination of family members, expenses that are
can meet the family deductible. subject to the deductible,
coinsurance, and
Once you meet the annual deductible, you prescription drug copay.
share in the cost of services by paying a
percentage of the cost (called coinsurance)
for covered health care expenses. For
prescription drugs, you pay a copay after you
meet the deductible.

To protect you from high health care expenses, you pay coinsurance
until you reach the out-of-pocket maximum. Then, the plan pays 100%
for covered expenses if you use an in-network provider. If you use an
out-of-network provider, you may be responsible for charges above
usual and customary.

If you cover any dependents, the family out-of-pocket maximum must
be met before the plan begins to pay 100% for any person. One person,
or a combination of family members, can meet the family out-of-pocket
maximum.

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Want more money in your pocket? Try saving on health care.

Here are some easy ways you can save on health care now and throughout the year:
• Understand your network of providers.

You can save on out-of-pocket costs if you use an in-network UnitedHealthcare provider. If you use an out-of-
network provider, you’ll pay more for your care.
• Use the ER only for true emergencies. Emergency rooms are set up to treat the most critical patients. If it isn’t
life threatening, call your physician’s office, go to an urgent care center, or visit a clinic, such as a CVS Minute
Clinic (this type of care is less expensive and you will likely receive medical attention faster).
• Get regular preventive care. It’s covered at 100% in-network. If you think you need to see your physician only
when you’re sick, think again. Preventive care can help detect potential health risks early, avoiding costly medical
bills down the road. Preventive care includes, but is not limited to, annual physicals, age-appropriate screenings,
well-woman care, and immunizations.
• P articipate in the HSA or Health Care FSA. An easy way to save money on your out-of-pocket health care
expenses is to use pre-tax money by paying for your care with HSA or FSA dollars. Make sure to set aside
enough money to cover your estimated out-of-pocket expenses.
• C hoose and fill prescription drugs wisely. Save money by using mail order and/or finding out if there is a
generic drug available. Generic drugs are virtually identical in makeup to their brand-name counterparts and cost
much less.

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The Health Savings Account (HSA)

Features Contributions

You never pay taxes. You don’t pay taxes on any Landis+Gyr contributes to your HSA. It’s free money.
money Landis+Gyr and you put into your HSA — when Landis+Gyr’s annual contribution is $500.
it goes into your account or when you use it for eligible
expenses. And, if you invest your HSA dollars and earn You can make pre-tax contributions. Your HSA can
interest, those earnings are tax-free too. grow faster, and you can save on taxes, when you make
pre-tax contributions. The maximum annual amount
It’s all yours. You own the money in your account. that Landis+Gyr and you can contribute in total to your
It rolls over from year to year — even if you change HSA is set by the IRS.
medical plans or drop Landis+Gyr coverage. The
account stays with you. • F or individual coverage, the maximum amount for
2014 is $3,300, so you may contribute up to $2,800.
It has a lot of features. You can access your funds
easily as you would from a checking account — with a • F or family coverage, the maximum amount for 2014 is
debit card or with checks. Your account earns interest, $6,550, so you may contribute up to $6,050.
like a savings account. And, you can invest it in mutual
funds when your balance is more than $2,000. (And all If you are age 55 or older in 2014, you may contribute
of that is tax free.) an additional $1,000 to your HSA. This is known as a
catch-up contribution.
You can use it now. You can use your HSA balance
on an ongoing basis to pay for eligible expenses, Other Important Information
up to the amount in your account at any given time.
Eligible expenses include the deductible, coinsurance, • F unds are available as they are deposited in your
prescription drug copay, expenses not covered by account; you can only use the amount in your account
the plan, and charges above the usual and customary at any time.
charge for out-of-network care.
• Y ou may not have other health coverage (i.e., from
You can use it in the future. Because your funds roll a parent, spouse or Medicare) while you are making
over from year to year and you own the account, you contributions to an HSA.
can use the HSA as your retirement health care savings
account. After you leave employment or retire, you can • Y ou (and your spouse) cannot have a Health Care
continue to spend the accrued funds on eligible medical FSA and an HSA, although you may have a Limited
and prescription drug expenses without paying taxes; Purpose FSA.
you can even cover Medicare premiums with your tax-
free savings.

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Using the HDHP HDHP Myths and
and HSA Facts

Here’s a look at how the HDHP and the HSA work Myth: The HDHP is confusing.
together. Fact: The HDHP is easy to use. Preventive care
is covered at 100% when you use in-network
Peter enrolls himself, his wife Susan, and their
daughter Karen in the HDHP. Landis+Gyr contributes providers. Most other in-network services are covered
$500 to an HSA for him, and he decides to contribute at 80% after you meet the annual deductible. You
an additional $1,000 for 2014, bringing the total pay a copay for prescription drugs after you meet the
contribution for the year to $1,500: deductible.

Landis+Gyr HSA contribution: $500 Myth: The HDHP is more expensive than the
Peter’s HSA contribution: $1,000 Choice Plus Plan.
Total: $1,500
Fact: It could be less expensive. Your total
Peter, Susan, and Karen are generally healthy, and their out-of-pocket costs for health care include your
health care needs for the year are typical for them. contributions for coverage plus your deductible plus
They all get annual physicals, Susan has an annual your coinsurance and/or copays. Whether you enroll in
well woman exam, and all of them get sick a few times. the HDHP or the Choice Plus Plan, your out-of-pocket
They use in-network providers, and their combined cost will be relative to your expenses. The HDHP has
medical expenses are $730: lower monthly costs than the Choice Plus Plan and
offers an HSA, which Landis+Gyr contributes to, both
Preventive care: $0 of which help offset the higher deductible.
7 physician visits ($100 each): $700
3 generic prescriptions ($10 each): Myth: the HDHP is only for healthy people.
Total: $30 Fact: The HDHP provides the same
$730 comprehensive coverage as the Choice Plus

Plan. It is for everyone.

The family’s total expenses for the year are less than
the annual deductible, so Peter must pay for these
services out of pocket. He decides to use his HSA for
these expenses, and he has $770 left to roll over for
the next year:

HSA balance: $1,500
Amount used: $730
Amount rolled over: $770

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The Medical Plans at-a-Glance

Choice Plus Plan High Deductible Health Plan (HDHP)

Feature In-Network Out-of-Network In-Network Out-of-Network
$300/$600 $800/$1,600 $1,500/$3,000 $3,500/$7,000
Annual Deductible
Individual/Family $4,000/$8,000 $4,800/$9,600 $4,500/$9,000 $4,500/$9,000
Unlimited
Out-of-Pocket Unlimited
Maximum*
Individual/Family

Lifetime Maximum

Preventive Care

Annual Physical 100%; no deductible 60% after deductible 100%; no deductible 60% after deductible
Exam; Well Child
Care; Well Woman
Care; Preventive
Lab and X-ray

Office Visits and Other Services

Primary Care 100% after $30 60% after deductible 80% after deductible 60% after deductible
copay 80% after deductible
Specialist 100% after $40 60% after deductible 80% after deductible 60% after deductible
copay 80% after deductible
Inpatient 60% after deductible 80% after deductible 60% after deductible
Hospitalization 80% after deductible 60% after deductible 80% after deductible 60% after deductible
Outpatient Surgery 100% after $200 80% after deductible 80% after in-network
80% after deductible copay deductible
Emergency Room 100% after $200 60% after deductible 60% after deductible
copay
Urgent Care 100% after $50 60% after deductible 60% after deductible
copay
Lab, X-Ray and
Diagnostics 80% after deductible
Prescription Drugs**

Retail Pharmacy (up to a 31-day supply)

Tier 1 $10 copay $10 copay after deductible
$35 copay after deductible
Tier 2 $25 copay $60 copay after deductible

Tier 3 $45 copay

Retail Pharmacy (up to a 90-day supply)

Tier 1 $25 copay Not covered $25 copay after Not covered
Not covered deductible Not covered
Tier 2 $62.50 copay
$87.50 copay after
deductible

Tier 3 $112.50 copay Not covered $150 copay after Not covered
deductible

* Your annual deductible and copays count towards your out-of-pocket maximum under both plans.

** If you enroll in the HDHP, you must meet the annual deductible before the plan begins to cover prescription drugs.

Medical Plan Bi-Weekly Cost for Coverage

Coverage Level Choice Plus High Deductible Health Plan
Employee Only $46.41 $22.08
$57.63
Employee + 1 $108.72 $88.76

Employee + Family $161.74

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Managing Your Health

Your Landis+Gyr benefits provide more than coverage for health care expenses. They also include valuable
programs that can help you maintain or improve your health, navigate the health care system, and provide support
with personal and financial matters.

Wellness Programs In addition to assisting employees and their families
with personal issues, the EAP also offers access to
When you enroll in the Choice Plus Plan or the HDHP, other convenient services, ranging from financial
you have access to a range of wellness-related counseling, education, legal advice and elder care
programs that can help you have a healthy pregnancy, referrals. Through the EAP, you also have access
stop smoking, or manage a chronic disease: to a 24-hour nurse hotline; call at any time to get
recommendations from health professionals.
• A sthma Disease Management Program
• C oronary Artery Disease Program To use the program, simply call UHC Care 24
• Cancer Support Program at 1-888-887-4114. There is no cost to you or
• D iabetes Management Program your family members for this service.
• H ealthy Babies and Moms
• S moking Cessation Program Health Advocate

Health Discount Program Health Advocate is a service to help you navigate the
health care system and maximize your benefits. This
UnitedHealthcare’s health discount program helps you free service can be used as often as you need. You
save 5% to 50% on many products and services to can reach a Health Advocate representative by calling
help you live a healthier life, including: 1-866-695-8622.

• Weight loss programs from WeightWatchers®, When you call, you’ll be connected with a personal
Jenny Craig®, NutriSystem® and others Health Advocate, typically a registered nurse supported
by medical directors and benefits specialists, who will
• Fitness clubs help you navigate the health care system and resolve
• Smoking cessation programs clinical, insurance and administrative issues. You and
• Vitamins and supplements your family members can use this service to:
• Massage therapy
• Fitness apparel and equipment • Find qualified doctors, dentists, hospitals and other
• LASIK health care providers — and help with transition of
• Cosmetic dental services such as teeth whitening care if you are switching between insurance providers
• Health supplies
• Get help understanding prescription drug benefits,
Go to myuhc.com under the “Health & Wellness” tab renewing prescriptions and generic drugs
and select “Exclusive Health Discounts” to learn more.
• Get cost estimates for medical procedures
Employee Assistance Program (EAP) • G et assistance with claims, billing and payment

The Landis+Gyr EAP allows you and your household arrangements, and billing errors
immediate access to timely help for personal issues • Locate eldercare services, such as adult day care and
before they become more serious and difficult to
resolve. Managed by UHC Care 24, the EAP provides assisted living, and help with other issues facing your
confidential counseling and referral services nationwide. parents or parents-in-law
You and your family members can receive professional, • N avigate insurance plans to obtain appropriate
confidential counseling at no cost — up to three visits approvals for needed service
per issue, per year. • G et information about conditions, tests, treatments,
and medications to help you make informed decisions
• Get assistance with the transfer of medical records,
X-rays, and lab results
• S ecure second opinions with a qualified health care
provider

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Flexible Spending Accounts (FSAs)

The FSAs allow you to set aside pre-tax dollars to pay for certain health care and dependent care expenses
that are not covered under your benefit plans. These accounts offer you an immediate tax break because your
contributions lower your annual taxable income. And, you don’t pay taxes on the money when you use it. However,
you will forfeit any amount in your 2014 FSA that you don’t use for expenses incurred during 2014 and through
March 15, 2015. All claims must be submitted no later than March 31, 2015, for reimbursement.

The Health Care FSA can be used The Limited Purpose FSA is The Dependent Care FSA can be
to pay for deductibles, copays, available if you enroll for the HDHP. used to pay for eligible dependent
coinsurance and other expenses You can use it to pay for non- care expenses you incur so you
not covered by your medical plan. medical/prescription drug eligible (or you and your spouse, if you’re
You may contribute between expenses (e.g., dental and vision). married) can work. You can also
$130 and $2,500 each year. You The funds in your HSA will cover use it if your spouse is a full-time
may contribute to a Health Care eligible medical and prescription student for at least five months of
Spending Account if you enroll for drug expenses. You may contribute the year or your spouse is mentally
the Choice Plus Plan or if you waive between $130 and $2,500 each or physically disabled and unable
coverage. year. to care for himself, herself, or your
dependent. You may contribute
between $120 and $5,000 each
year.

To learn more about FSAs, including a complete list of eligible and ineligible expenses,
visit www.myuhc.com or call UntiedHeatlhcare at 1-866-633-2446.

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Dental and Vision

The dental coverage is not changing and will remain with Delta Dental of Minnesota. Vision coverage features are
also not changing and will remain with VSP.

Dental Plan Features In- and Out-of-Network
$50 per person
Feature $150 per family
Annual Deductible
100%; no deductible
Preventive and Diagnostic Care
Basic Services 85% after deductible
Endodontics and Periodontics
Major Restorative 85% after deductible
Orthodontia (Adults and Children)
Annual Maximum Benefit 50% after deductible
Orthodontia Lifetime Maximum Benefit
50%; no deductible

$1,500 per person

$1,500 per person

Dental Plan Bi-Weekly Cost for Coverage

Coverage Level Cost

Employee Only $8.14

Employee + 1 $18.35

Employee + Family $28.03

Vision Plan Features In-Network Out-of-Network
$10 copay Up to $50
Feature
Eye Exam (once every 12 months) $25 copay Up to $50
Lenses (once every 12 months) $25 copay Up to $75
$25 copay Up to $100
Single Up to $130 allowance Up to $70
Bifocal
Trifocal Covered in full Up to $210 allowance
Frames (once every 24 months) Up to $130 allowance Up to $105 allowance
Contacts
Medically Necessary
Elective (in lieu of lenses/frames)

Vision Plan Bi-Weekly Cost for Coverage

Coverage Level Cost
Employee Only $2.91
Employee + 1 $4.24
Employee + Family $7.58

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Disability and Life Life and Accidental Death and Dismemberment
(AD&D) through Cigna
Income Protection Benefits through Cigna Landis+Gyr offers you life insurance options to help
The short-term and long-term disability benefits protect your family or other beneficiary from a loss
available to you through Landis+Gyr work together to of income in the event of your death. Life and AD&D
provide you with a percentage of your income if you insurance coverage pays benefits to your beneficiaries
become disabled through illness or accident for an if you die or are seriously injured. Certain life insurance
extended period. benefits are subject to Evidence of Insurability.

• Short-Term Disability (STD) is a benefit 100% paid • L andis+Gyr automatically provides you with basic life
by Landis+Gyr on your behalf that provides benefits insurance coverage equal to two times your basic
above and beyond what is provided to you by any annual earnings (subject to mandatory reductions
state-mandated benefit. based on age), up to a maximum of $750,000.
Landis+Gyr also provides you with basic AD&D
• Long-Term Disability (LTD) is also a benefit 100% insurance in an amount equal to your life insurance
paid by Landis+Gyr on your behalf. It is designed coverage, at no cost to you.
to protect your income if you are totally or partially
disabled and not able to work for Landis+Gyr for an • Optional employee life insurance may be purchased
extended period. LTD pays a benefit to replace a in multiples of one, two, three, four or five times your
portion of the earnings you lose as a result of your basic annual earnings, up to a maximum of $1 million.
disability.
• L andis+Gyr also allows you to purchase life
insurance for your spouse or domestic partner in
$5,000 increments, up to a maximum of $250,000.
You may elect spouse/domestic partner life insurance
even if you don’t elect optional life insurance for
yourself.

• Y ou may choose from life insurance coverage for
your dependent children and/or the children of
your domestic partner in $5,000 increments, up to a
maximum of $20,000.

Remember to Enroll by November 10!

Open enrollment begins on Monday, October 28, and continues through Sunday, November 10. If you do not
make your elections, you will be enrolled in default benefits – employee only coverage in the HDHP and no
dental or vision coverage.

Before making your elections, be sure to:
• R eview your current coverage to see whether it continues to meet your and your family’s needs. Think about the

total cost of coverage – contributions, deductibles, copays and coinsurance, and expected health care costs.
• Check whether any of your covered dependents has access to other health care coverage that may be less

expensive. For example, your spouse may have medical coverage available at work that costs less.

When you’re ready to enroll, go to https://portal.adp.com.

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