2012 Benefits Brown Bag

7/27/2019 2012 Benefits Brown Bag

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2012 Benefit Review

Presented by the HR Benefits Team


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Eligible Employees: Direct full time employees

Eligible Dependents:

Spouse: Legally married, or legally recognized common law (certified through the court system)if you reside in a state that recognizes common law.

Children: Natural children, legally adopted, stepchildren, other children for whom you have legalguardianship (grandchildren, etc.)

eligible up to age 26, regardless of marital or student status dependent children of any age who are unable to support themselves due to a disability

Both Employee and Spouse Work for Mustang: You may both elect employee only coverage orone may waive coverage and be covered as a dependent. Only one employee may elect

coverage for dependent children.

Approved Leave of Absence: You may be entitled to continue your group health benefitsif you make required employee contributions. Contact the Benefit Team for further information.

Eligibility


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Qualif ied Family Status Changes

Once enrolled in benefit plans, your elections remain in effective for the calendar year unlessyou experience a Qualified Status Change (QSC).

It is your responsibility to notify the WG Benefits Service Center or the Benefit Team within 31days of a QSC.

If you do not notify us within 31 days of a QSC, you must wait until the next open enrollmentperiod to make changes to your plan.

Examples of Qualified Status Change events are: Marriage, divorce, legal separation, annulment, birth, adoption, placement for

adoption, custody or legal guardianship of a child, death of a dependent. Termination or beginning of employment by you, your spouse or dependents that

that results in an impact in your benefits (obtaining or losing coverage). Dependent satisfies or ceases to satisfy dependent eligibility requirements.

A newborn child will be covered for the first 31 days of life under the medical plan.***However, you m ust co ntact the Wood Gro up B enefits Service Center or the Benefit Team within31 days of th e date of birth to enroll you r child o r coverage wil l termin ate at the end of th e 31 day

per iod. ***

Our plan is subject to IRS regulations under our Cafeteria plan relative to QSCs.


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Employee Contr ibutionsJanuary 1 thr ough December 31, 2012

Aetna Traditional POS II Weekly Premium Bi-Weekly PremiumEmployee Only $41.31 $82.62

Employee + Spouse $100.39 200.77

Employee + Child(ren) $85.15 $170.31

Employee + Family $119.77 $239.54

Aetna Value HDHPEmployee Only $-0- $-0-

Employee + Spouse $21.69 $43.38



Aetna DPPO DentalEmployee Only $7.13 $14.26




Aetna DHMO DentalEmployee Only $2.75 $5.50




Eyemed VisionEmployee Only $1.28 $2.56




LegalEase - Prepaid Legal PlanEmployee $4.13 $8.25


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Aetna Medical Plans

Traditional POS vs. Value HDHP

Traditional POS Plan Value High Deductible Health Plan

Office Visit In-Network $25 Primary Care/$40 Specialist Deductible then 20% Co-Insurance

In-Network Deductible Individual/Family $600 / $1,800 $1,800 / $3,600

In-Network Out-of-Pocket Maximum Individual/Family $3,000 / $6,000 $4,150 / $8,300

Non-Network Deductible Individual/Family $1,500 / $3,000 $3,600 / $7,200

Non-Network Out-of-Pocket MaximumIndividual/Family $9,000 / $18,000 $14,400 / $28,800

Prescription Drugs Retail Refill AllowanceTraditional POS and Value HDHP(1)

Retail PharmacyUp to a 30 Day

SupplyMail Order 90

Day SupplyRetail Pharmacy Up to

a 30 Day SupplyMail Order 90

Day Supply

Generic $10 $20Deductible then 20% Name Brand Preferred $30 $60

Name Brand - Non-Preferred $50 $100

Specialty Drugs(2)

$120 Copay

Deductible then 20%(1) RRA (Retail Refill Allowance) applies to all maintenance drugs when not changed to the mail order program. After second re fill at

retail pharmacy you will pay the corresponding Mail Order Co-pay for the 30 day prescription on the Traditional POS plan and will pay

an additional 20% penalty on the Value High Deductible Health Plan.

(2) Specialty Drugs must be purchased through Medco's specialty pharmacy, Accredo.

NOTE: Value HDHP Family deductible must be met before claims are paid at 80% if you have family coverage.


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Your cost on the Traditional POS plan:

after the 2nd

refill of a maintenance medication at the pharmacy you will pay the mailorder co-payment rather than the retail pharmacy co-payment.

Your cost on the Value HDHP: after the 2nd refill of a maintenance medication at the pharmacy if you have not met

your deductible, only 80% of the cost will apply toward your deductible after the 2nd refill of a maintenance medication at the pharmacy if you have met your

deductible, you will pay 40% of the cost rather than 20%. The additional 20% will notapply toward your out-of-pocket

If you choose to use Medco by Mail for your long-term drugs, you will pay less for yourmaintenance medications.

Maintenance medications are those that you take on an ongoing basis such as for highblood pressure, cholesterol, reflux, etc.

You will continue to pay your participating retail pharmacy co-payment for short-termdrugs you purchase at a participating retail pharmacy.

Retail Refi l l Allowance Program

For Maintenance Medications - Medco


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AetnaDHMO Dental

HMO-style benefit.

You must select an Aetna primary care dentist for each enrolled family member.

Specialist care will be arranged by referral from primary care dentist.

No maximum annual limit or waiting period.

Co-pays and scheduled fee structure for covered services.

Adult and dependent child coverage for orthodontics.

DHMO available in California, Colorado, Connecticut, Delaware, Florida, Georgia,Illinois, Indiana, Massachusetts, New York, New Jersey, Oklahoma, Pennsylvania,Tennessee, Texas and Virginia.

**** Please make sure you have a DHMO provider in your area, PRIOR to electing this plan ****


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Eyemed Vision Plan

Plan Provisions Member Cost

(Network)

Member Reimbursement

(Out-Of-Network)

Exam (every 12 months) $0 Up to $40

Frames (every 24 months) 80% of Balance over $125 Up to $63

Lenses (every 12 months) Single vision Bifocals Trifocals Standard Progressive

Lens Options Standard Polycarbonate Standard Plastic Scratch Coating

Tint UV Treatment Standard Anti-Reflective Coating Other Lens Options

$0$0$0

$65 Copay

$40 Copay$0

$15 Copay$15 Copay$45 Copay

80% of Charge

Up to $25Up to $40Up to $65Up to $40

Up to $8

Contact Lenses (every 12 months) In Lieu of Glasses Conventional Disposable

85% of Balance over $125Balance over $125

Up to $100Up to $100


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Health Saving Accounts (HSA)J.P. Morgan Chase

Tax-advantaged program to pay for qualified out-of-pocket healthcare expenses.

You must be enrolled theAetnaValue HDHP.

IRS Regulations state that you are not eligible to contribute to an HSA if you are enrolled in any othernon-HDHP plan, including group plan with spouse, individual plans, Medicare and Medicaid plans.

Maximum 2012 calendar year contributions :

$3,100 individual contribution (if single coverage is elected) $6,250 family contribution (if dependent coverage is elected). $1,000 catch-up contribution if you are age 55 or older in 2012

Withdrawals are tax-free if used for qualified healthcare (medical, dental, vision) expenses. OTCmedications are no longer eligible unless you have a written prescription from your physician.

Funds not used within the calendar year roll over and continue to grow and are fully portable.

Debit card will be issued; checks available upon request.

Funds are available as deducted each pay period and deposited into your HSA account.

May make changes to contributions during the year.


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F lexible Spending AccountsAetna

Pre-tax program you can use to pay for qualified medical, dental and vision out-of-pocket expenses.

Maximum contributions: Healthcare: $5,000.00 per year Dependent Day Care: $5,000.00 per year ($2,500 if married and spouse is enrolled in FSA with

his/her employer; both spouses must work or attend school to be eligible.)

FSA for Healthcare is fully funded on day one of enrollment.

If enrolled in the Health Savings Account You will be eligible to elect the Limited FSA forreimbursement of qualified dental and vision out-of-pocket expenses only.

Dependent Day Care FSA funds are available as deducted each pay period and deposited to youraccount.

Funds not used by the end of the calendar year will be forfeited. BE CONSERVATIVE!

Participants (if not in HSA) will receive a Prescr ipt iondebit cardfor use at retail pharmacy and mailorder . A full debit card is not available.

Aetna offers Streamlining which reimburses you automatically from FSA account once a claim isprocessed, for your out-of-pocket amount. (copayments, deductible and coinsurance)

You may opt out of Streamlining and file FSA claims directly with Aetna.


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I ncome Protection Benefits - Hartford

EMPLOYER-PROVIDED LIFE & AD&D INSURANCE BENEFITS

1 times your base pay up to a maximum of $150,000

Life amounts reduce by 35% at age 65 and by 50% at age 70

EMPLOYER-PROVIDED SALARY CONTINUATION IF DISABLED (processed through payroll)

60% of your average weekly salary up to a maximum of $300/week

7 calendar day elimination period

Maximum payment duration up to 12 weeks of disability (6 weeks postpartum for maternity)

Salary continuation is subject to income tax and current benefit deductions

VOLUNTARY STD BENEFITS

60% of your average weekly salary up to a maximum of $1500/week

7 calendar day elimination period

Maximum payment duration up to 12 weeks of disability (6 weeks postpartum for maternity)

Guarantee issue if you apply when first eligible; subject to evidence of insurability if you electduring subsequent open enrollments.


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I ncome Protection Benefits- Hartford

LONG-TERM DISABILITY BENEFITS

Employer paid benefit

60% of your average monthly salary, up to a maximum benefit of $10,000/month

Benefit Duration:

If disabled prior to age 63 to normal retirement age (as determined by the Social SecurityAdministration) or 48 months, if greater

At age 63 to normal retirement age or 42 months, if greater

At age 64 36 months At age 65 30 months

At age 66 27 months

At age 67 24 months

At age 68 21 months

At age 69 and over 18 months

All employees will be defaulted to the Tax-free (post tax) benefits should you use this benefit. If youwant to Opt Out (pay tax if you should receive LTD benefits) contact the benefit team.

Pre-existing applies for conditions treated 3 months prior to your original date of disability, until youhave been employed with Mustang for 12 months.


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Voluntary Term Life and AD& D - Hartford

You can elect Life and AD&D, or Life Only

You must elect employee Life/AD&D in order to elect spouse and/or child(ren) Life/AD&D

If you are electing amounts over the Guarantee Issue shown below, you will be subject to Evidence of Insurability.

There are no EOI forms to complete, you will receive a letter from Hartford by mail with instructions to complete EOI ontheir safe, secure website.

Plan Highlights Employee Spouse Child(ren)

Coverage units

Life Insurance

Guaranteed

Issue Amount

$10,000

Up to a maximum of$500,000

$300,000

$5,000

Up to 100% of employee

amount to a maximum of

$500,000

$25,000

$2,000

Up to 100% of employee

amount to a maximum of

$10,000

$10,000

Accidental

Death (AD&D)

Up to a maximum of$500,000

Up to 100% of the employeeamount; max of $500,000

Up to $10,000

NOTE: - If you and your spouse are both direct employees of Mustang, you may each elect voluntary employee life for yourself.- Only one of you can elect child life coverage for your child(ren).- Life and AD&D benefit reduces by 35% at age 65 and 50% at age 70.

- Hartford will cover unmarried dependent children to age 26 without being a full time student.


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Long Term Care - UNUM

Long Term Care provides benefits when someone needs help with at least 2 outof the 6 Activities of Daily Living: bathing, dressing, toileting, transferring, continence,

eating - or someone who has suffered a severe cognitive impairment.

Care could be provided in the home, in an assisted living or residential care facility, or ina skilled nursing facility such as a nursing home.

Rates are approximately 30% less than their comparable individual policy.

You can purchase coverage for yourself or your spouse.

Coverage is also available for purchase by your children, siblings, parents, mother and

father-in-law and grandparents.

Evidence of Insurability required on all participants.

Contact the HR Benefit team for a detailed packet of information and enrollment forms.

*** This is not an online enrollment


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ACE - Business Travel Accident (BTA) Coverage

Mustang provides Business Travel Accident (BTA) coverage at no cost to employees.

The plan covers accidents and injuries that occur while traveling on business forMustang.

Coverage includes:

$100,000 Accidental Death & Dismemberment (AD&D) for employee $25,000 Accidental Death & Dismemberment for spouse on approved travelwith the employee

Emergency Medical Benefit up to $10,000 Emergency Medical Evacuation Benefit

For more details on this coverage you can access the Summary Plan Description onMyMustang/HR Benefits/BTA section.


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Take Care Health Center Houston

Who is Eligible?

All Mustangers enrollment in Mustang medical benefit plan not required

Their Spouse

Their Dependents ages 2 to 26

No co-pays for work related visits.

Personal visit co-pays:Direct Mustangers

Center Visit $10.00

Generic Drug $10.00

Brand Name Drug $35.00

Lab Work $10.00

Preventive Care Visit $10.00 Immunizations $10.00

School and Athletics Physicals $10.00

Co-payments at the Take Care Health Center do not apply to medical plan deductibles or out-of-pocket expenses. May use your HSA debit card to pay for services.


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LegalGUARDPrepaid Legal PlanOffered by LegalEase

What is LegalGUARD? Fully insured legal plan that pays for your attorney fees for over 30 different types of legal matters.

You and your family can receive paid-in-full benefits in the most frequently needed areas of law. LegalGUARD has over 17,000 fully credentialed network attorneys nationwide.

Who is LegalEase? Experienced provider of legal plan administrator for 39 years 12.3 million covered employees, 4,800 corporate clients Corporate headquarters in Houston

Who is covered if you enroll? You and your spouse, dependent children to age 26 Your parents and yourspouses elder parentsAnyone for whom the employee is a legal guardian

What are some of the legal matters covered by the plan? Unlimited attorney phone consultations

Simple wills, living wills, living trusts, medical power of attorney Divorce Bankruptcy, debt collections defense Civil litigation defense Identity theft assistance Real estate closing/refinancing/foreclosures Driving violation defense Tax audits

Limitations on pre-existing legal matters.


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Aetna Employee Assistance Program (EAP)

Available to you and members of your household.

Enrollment in the Aetna medical plan not required to use EAP benefits.

Each individual eligible for EAP benefits has up to 5 visits per issue per year

with a trained professional for assistance with emotional, interpersonal,

financial, legal and/or substance abuse issues.

Visits must be authorized by Aetna Behavioral Health.

Concierge services through work/life partner, LifeCare, such as assistance withairline arrangements, location of home improvement contractors, grocery

deliveries, pet walkers and sitters, personal shoppers, etc.


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Offers a comprehensive collection of programs, discounts, resources, and educational tools

to help you and you family become healthier, safer and more productive

All employees can take advantage of:

The Simple Steps To A Healthier Lifeonline health and wellness program

The Employee Assistance Program(EAP), for help with personal and worklife issues

If you are enrolled in an Aetna medicalplan, you have access to: Aetna Navigator , your secure member Web

Site Aetna Health ConnectionsSM for help

managing chronic conditions Informed Health Line, a 24-hour, toll-free

health information phone line Personal Health Record, an online record of

claims-based medical information

Beginning Right maternity managementprogram

Discounts on health-related products andservices

Aetna Health Plan ProgramsWellness Works


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BeneplaceDiscount Program

One-stop shop online website offering discounts for Wood Group Companies

Automobile and homeowners insurance

Electronics, books, music, household items

Hotel, vacations

Entertainment venue discounts

No cost to use website www.beneplace.com/woodgroup


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Aetna - Medical and Dental Plans www.aetna.com Provider search, claim details, FSA and HSA account informationTraditional POS & Value HDHP Medical Plans Network: Aetna Choice POS II (Open Access)Dental Plan Networks: PPO (Indemnity) : Dental PPO/PDN with PPOII Network

DHMO: Dental Maintenance Organization

Medco Prescription Drug Plan www.medco.com Mail Order Online, pricing medications, alternatives to brand name drugs, claim history

Eyemed Vision www.eyemedvisioncare.com Network - Access Provider lists and plan eligibility

The Hartford Life Insurance and Will Preparation Concierge funeral planning, beneficiary assistance, estate planning tools, legal assistance,-www.hartfordlifeconversations.com Estate Guidance service to create a simple legal Will online, step-by-step instructions www.estateguidance.com/wills

(Promotional CODE: WILLHLF)

EAP Aetna www.aetnaeap.com Login: MYWDGEAP / Group # 889013 Personal counseling, financial guidance assistance, legal assistance for home buying, divorce, debt management.

Beneplace-Discount Website- www.beneplace.com/woodgroupDiscounts on automobile/homeownders insurance, electronics, entertainment venues, etc.

Websites to Know


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On-Line Enrollment

New Hire Enrollment Kits will be mailed to your home.

Includes website information and your user name and password.

Easy online enrollment instructions www.ebenefitsolutions.com/woodgroup.htm

It is recommended that your election decisions are made BEFORE going on line.Knowing your options before enrolling will make your online experience as easy as1, 2, 3! All detailed benefit plan documents can be reviewed on MyMustang/HRHouston/Benefits.

IMPORTANT REMINDER: Social Security Numbers were required by Centersfor Medicare for all enrolled participants on health plans as of January 1,2010. If any enrolled dependents do not have SSNs, claims could be

delayed and/or denied until they are provided.


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Who to Contact for Enrollment Assistance

For Technical Support for online enrollment website issues call Woodgroup BenefitService Center: 1-866-449-9663 - 8:00 a.m. 5:00 p.m. CST, Monday through Friday

What is my password?

My password does not work.

I am having problems with the enrollment site.

Call to enroll rather then enrolling online.

Contact one of your HR Benefits Team Members for benefit and plan questionsand for returning forms (Life Insurance and Chase Bank Beneficiary forms)

BEST option to reach the Benefit Team, Email:

[email protected]

Or

~ Linda Cummins - Benefits Manager : [email protected]

PH: 713-215-8179 FAX: 281-646-3179

~ Jill Bromley - Benefits Specialist: [email protected]

PH: 281-206-6202 FAX: 281-206-1202

Documents

2012 Benefits Brown Bag