2016 Employee Benefits Guide - Formsite · PDF file2018 Employee Benefits Guide (v.0) Proprietary and Confidential 1 What’s New for 2018 You, our employees, are Harmonia's greatest

2018 Employee Benefits Guide

Good Health, Financial Security, and Work-Life Balance

2018 Employee Benefits Guide (v.0) Proprietary and Confidential i

Contents What’s New for 2018 ........................................................................................................... 1 Medical Insurance ................................................................................................................. 3 Dental Insurance ................................................................................................................... 4 Vision Insurance .................................................................................................................... 5 Health Savings Account ..................................................................................................... 7 Health Reimbursement Arrangement ........................................................................... 8 Parking and Transit Benefit Program ............................................................................ 9 Income Replacement ......................................................................................................... 10 Retirement Plan ................................................................................................................... 12 Time Off .................................................................................................................................. 13 Bonuses .................................................................................................................................. 15 Other Benefits ...................................................................................................................... 16 Worksheets ........................................................................................................................... 17 Contacts ................................................................................................................................. 18 Glossary .................................................................................................................................. 19

2018 Employee Benefits Guide (v.0) Proprietary and Confidential 1

What’s New for 2018 You, our employees, are Harmonia's greatest resource and your HR and execu�ve team strives to provide the most compe��ve benefits package in the industry to each of you. To this end, we constantly review our benefits to see how we can make them even beter. For 2018, we are pleased to present to you the following changes and addi�ons:

• Aetna Medical Plans: You have a choice of three plans, two of which are HSA eligible. • Mutual of Omaha Voluntary Life Insurance: You may elect coverage during open enrollment for up to $150000

for employee, $30000 for spouses, and $10000 for dependent children without any health questionnaire unless you were previously declined.

• Upon termination of employment with Harmonia, we will pay you your PTO balance unless you were terminated for cause.

Who’s Eligible In accordance with the Affordable Care Act, all employees who work more than 28 hours per week are eligible for medical, dental, and vision benefits. You must be a salaried employee to be eligible for all other benefits.

Key Issues to Factor into Your Planning for Medical, Dental and Vision Insurance If you have health insurance coverage elsewhere (through your spouse’s employer-sponsored plan, for example), consider whether it would be more practical for you to cover your dependents (or yourself) under that plan (based on your family’s health needs) instead of Harmonia’s medical plan. Remember that benefits payable under Harmonia’s plans are coordinated with benefits payable under your spouse’s employer-sponsored plan. Generally, the benefit, if any, of having dual coverage varies widely based on the plans available and should be carefully evaluated for exclusions or limitations prior to enrolling into one or more plans.

Always review factors like co-pays, coinsurance, deductibles, etc. prior to selecting a benefits package. Don’t assume your benefit options are the same as prior years and make sure to select the plan that best addresses your current health and welfare needs. Here are some things to keep in mind:

• Medical insurance of dependents is included up to age 26 regardless of dependency status. • No pre-exis�ng medical condi�ons apply to any new or renewing plans. • Preven�ve services are covered at 100%. • Check your current medical and dental providers to make sure they are in your new network.

Benefit Category Elect Benefit Waive Benefit Modify Benefit

Medical Start of Employment Open Enrollment

Start of Employment Open Enrollment

Qualifying Events

Dental Start of Employment Open Enrollment


Qualifying Events

Vision Start of Employment Open Enrollment


Qualifying Events

Voluntary Life Insurance



You can only elect this coverage without providing a health history at your time of hire. You can cancel or change your coverage at any time. You can increase your coverage, but you will be required to provide health history.


Benefit Category Elect Benefit Waive Benefit Modify Benefit

AD&D, Life, Short and Long Term Disability Insurance

You are automatically covered by this benefit as a Harmonia employee.

You cannot waive this coverage.

You cannot modify this coverage.

401(k) Retirement Plan

Yes, anytime Yes, anytime You can stop, increase, or decrease contributions to your 401(k) at any time by changing your contribution elections on jhancockpensions.com. Changes to allocations within the plan and withdrawals/loans are subject to certain conditions - refer to the rules on the John Hancock site.

HSA, HRA, Parking and Transit Benefits, Gym Membership, etc.

Yes, anytime Yes, anytime

Changing Your Benefit Selections During the Year In some cases, you may need to cancel or change your benefit selections during the year. By law, a number of the benefits cannot be canceled or changed unless a qualifying event occurs. If you want to decline a benefit, select a different plan, or add family members to your plan, refer to the chart that follows to determine when you can make the changes and how.

Qualifying Events Most benefits can be modified only during open enrollment or if you experience a qualifying event. The following are considered qualifying events:

• Change in legal marital status, including marriage, death of a spouse, divorce, legal separation, and annulment.

• A change in the number of dependents, including birth, death, adoption, and placement for adoption. • A change in employment status of the employee, or the employee’s or retiree’s spouse or dependent,

including termination or commencement of employment; a commencement of or return from an unpaid leave of absence; a change in worksite; and a change in working conditions (including changing between part‐time and full‐time or hourly and salary) of the employee, the employee’s or retiree’s spouse or dependent which results in a change in benefits they receive under a cafeteria plan or health or dental plan.

• A dependent ceasing to satisfy eligibility requirements for coverage due to attainment of age, student status, marital status, or other similar circumstances.

• A change in place of residence of the employee, retiree or their spouse or dependent and the current carrier is not available.

• Significant cost or coverage changes (including coverage curtailment and the addition of a benefit package). • Family Medical Leave Act (FMLA) leave. • A change in coverage of a spouse or dependent under another employer’s plan. • Open enrollment under the plan of another employer. • Health Insurance Portability and Accountability Act (HIPAA) special enrollment rights for new dependents and

in the case of loss of other insurance coverage. • A COBRA‐qualifying event. • Loss of coverage under the group health plan of a governmental or educational institution (a state’s children’s

health insurance program, medical care program of an Indian tribal government, state health benefits risk pool, or foreign government group health plan).

• Entitlement to Medicare or Medicaid. • Any other situations in which the group health or dental plan is required by the applicable federal or state law

to allow a change in coverage.


Medical Insurance Harmonia offers three great Medical Insurance Plans provided by Aetna, shown below. Detailed plan descriptions are located on the enrollment website.

Option 1 VA PPO 4000 HSA

Option 2 VA PPO 2000 HSA

Option 3 VA PPO 1000

Doctor Co-Pay $25/$50 After Deductible 20% After Deductible $35/$50 Per Visit Preventive Care Covered at 100%,

Deductible Waived Covered at 100%, Deductible Waived

Covered at 100%, Deductible Waived

Deductible $4000/$8000 Embedded $2000/4000 Non-Embedded

$1000/$2000 Embedded

Out Of Pocket Maximum $6350/$12700 Embedded

$3250/$6500 Non-Embedded

$4500/$9000 Embedded

Coinsurance (What You Pay)

20% 20% 20%

Urgent Care 20% After Deductible 20% After Deductible 20% After Deductible Emergency Room (For True Emergencies)

20% After Deductible 20% After Deductible 20% After Deductible

Emergency Room (Non-Emergency)

Not Covered Not Covered Not Covered

Diagnostic (Lab and Xray)

20% After Deductible 20% After Deductible 20% After Deductible

Outpatient Surgery 20% After Deductible 20% After Deductible 20% After Deductible Inpatient Hospitalization 20% After Deductible 20% After Deductible 20% After Deductible Retail Pharmacy 30 Day Supply

$5/$20/$60/$100/20% To $150 After Deductible


$5/$10/$30/$60/10% To $150

Mail Order Pharmacy 90 Day Supply



$10/$20/$60/$120/10% To 150

Eligible For HSA-Page 6 Yes Yes No Eligible For HRA - Page 7 Yes Yes No Out Of Network Out Of Pocket

$16000/$32000 $10000/$20000 $6350/$12700

Out Of Network Coinsurance

40% 40% 40%

Employee Only/Month $0.00 $127.50 $150.00 Employee+Child/Month $70.00 $250.00 $287.50 Employee+Children/Month $77.50 $265.00 $310.00 Employee+Spouse/Month $225.00 $525.00 $595.00 Employee+Family/Month $435.00 $900.00 $990.00

Please refer to the Glossary at the end of this document for definitions of specific terms. If you have questions about any of your benefits, claims issues, or provider questions, please contact the team at Business Solutions or Aetna at: Customer Service: 1-888-877-0943, Rx 1-888-792-3862 Website: https://www.innovationhealth.com/ Group Number: Please Check with HR

mailto::[email protected]

https://www.innovationhealth.com/


Dental Insurance Harmonia offers two Dental Plans through Anthem BlueCross BlueShield. Both plans offer orthodontia coverage. The plans offer the same coverage, but the Low Option pays up to $1000 of covered expenses per year and the High Option pays up to $1500. Detailed plan descriptions are located on the enrollment website.

Option 1 Low Option

Option 2 High Option

In Network

Deductible – Waived for Preventive (Single/Family)

$50/$150 $50/$150

Preventive 100% 100% Basic 80% 80% Major 50% 50% Orthodontia (up to age 19) 50% 50% Max Benefit (per member) $1000 $1500

Out of Network

Deductible – Waived for Preventive (Single/Family)

$50/$150 $50/$150

Preventive 100% 100% Basic 80% 80% Major 50% 50% Orthodontia (up to age 19) 50% 50% Max Benefit (per member) $1000 $1500

Monthly Premium

Employee Only/Month $0.00 $4.10 Employee+Child/Month $8.78 $15.22 Employee+Children/Month $16.96 $25.32 Employee+Spouse/Month $26.60 $37.80 Employee+Family/Month $47.38 $63.88

Maximum Carryover: Employees can carryover a limited amount of their remaining maximum to the next coverage year. How it works: • There must be at least one claim paid during the coverage year. • If total paid claims do not exceed $500, they can carryover up to $250 to the next coverage year. • Amounts carried over can accumulate to a total of $1000. • Carryover starts to accumulate only after one full coverage year. • A break in coverage will reset the balance to zero. • Claims payments are made first from the standard annual maximum. Once the annual maximum has been

reached, then claims begin paying from the available accumulated annual maximum carryover.

If you have questions about any of your insurance benefits, claims issues, or provider questions, please contact the team at Business Solutions or Anthem at: Customer Service: 1-866-956-8607 Website: https://www.anthem.com/mydentalvision/ Group Number: 791202

Why Visit the Dentist?

Your dentist can determine the health of your teeth, mouth, gums, and your overall health. Oral exams are important to determine any oral diseases and conditions you may have that can affect your overall health, such as: • Bad breath or bleeding gums can be a

symptom of adult-onset diabetes. • Bruxism, or the grinding or clenching of

one’s teeth, is a telltale sign of stress. • Sometimes the tissues in your mouth may

change. For example, red spots on the tongue can point to immune system-related disorders.


https://www.anthem.com/mydentalvision/


Vision Insurance Our EyeMed Vision Plan is free to all our employees and Harmonia pays 80% for family members. Detailed plan descriptions are located on the enrollment website.

If you have questions about any of your insurance benefits, claims issues, or provider questions, please contact the team at Business Solutions or Eyemed at:

Customer Service: 1- 888-581-3648 Website: http://www.eyemed.com

Vision Care

In Network

Routine Eye Exam $0 Frames (every 24 months) 100% up to $150, 80%

after $150 Standard Single Vision Lenses 100% Standard Bifocal Lenses 100% Standard Trifocal Lenses 100% Standard Progressive Lenses $65 copay Contact Lenses (Lens options are extra)

100% up to $150, 15% off retail after $150

Disposable Contact Lenses 100% up to $150 Laser Vision Correction 15% off retail

Out of Network

Routine Eye Exam $40 Frames $105 Standard Single Vision Lenses $30 Standard Bifocal Lenses $50 Standard Trifocal Lenses $70 Standard Progressive Lenses $50 Contact Lenses (Lens options are extra)

$150

Disposable Contact Lenses $150 Laser Vision Correction N/A

Frequency

Routine Eye Exam Every 12 months Lenses Every 12 months Frames Every 12 months

Monthly Premium

Employee Only/Month $0.00 Employee + Child/Month $1.50 Employee + Children/Month $4.06 Employee + Spouse/Month $4.52 Employee + Family/Month $8.78

Why Should I Have Vision Insurance?

Per Gallup, approximately 70% of adult Americans report wearing some type of corrective lenses. A visit with your eye doctor can determine whether you need corrective lenses and, if so, the correct prescription. Other eye concerns that will be addressed in an eye exam include checking for conditions or diseases such as glaucoma and cataracts, which can lead to vision loss.


http://www.eyemed.com/


Group Number: 9943754


Health Savings Account Save on this Year’s Health Care Expenses—and for the Future If you are enrolled in a qualified high-deduc�ble health plan, you are automa�cally enrolled in Health Equity’s health savings account (HSA). This account can help you save and pay for medical expenses tax-free. With an HSA, you can choose to spend the funds today or build them for the future.

You can have HSA money deducted pre-tax from your paycheck or send contribu�ons straight to Health Equity and file on your taxes as a botom line tax deduc�on. Health Equity charges a $3.95/month fee to manage your HSA; the fee is automa�cally deducted from your contribu�on.

HSA Advantages You own it. You own the funds in your account from day one. You decide when and how to use them. And if you change jobs, you can keep it.

Triple Tax Benefits • Money deposited is tax-free • It grows tax-free • It can be withdrawn tax-free to pay for eligible medical expenses

Using Your HSA You can use the money in your HSA to pay qualified expenses with your debit card, request a withdrawal from Health Equity or pay your bills online. Your HSA is not just for doctor visits. In addi�on to eligible medical expenses such as prescrip�ons or visits to the doctor, use your HSA for:

• Acupuncture • Ambulance costs • Artificial limbs • Dentures • Bandages • Birth control pills • Contact lenses • Crutches

• Doctor visits • Some dental expenses • Vision care (eyeglasses, contacts, Lasik surgery) • Hearing aids • Lab fees • Prescriptions • X-rays

You are responsible for filing the appropriate tax form when you have an HSA account. You will also need to keep records in case you are ever audited to show that funds were used for qualified expenses.

Year Contribution Limit Catch-up Contribution

55 years or older

Single Family Single Family

2018 $3450 $6900 $1000 $1000

If you have questions about any of your insurance benefits, claims issues, or provider questions, please contact the team at Business Solutions or Health Equity at:

Customer Service: 1-866-346-5800 Website: http://www.healthequity.com


http://www.healthequity.com/


Health Reimbursement Arrangement Harmonia is excited to offer a Health Reimbursement Arrangement (HRA) to employees enrolled in our HSA plans. This is an employer-funded, tax-advantaged plan that can be used to reduce your out-of-pocket healthcare expenses each year.

Eligibility You are automatically enrolled in the HRA if you are enrolled in any of the HSA plans.

Availability of Funds Once you have met $1350/$2700 for your out-of-pocket expenses—the portion you pay—you can begin requesting reimbursement for any additional medical, hospital, and/or prescription drug costs you incur. Harmonia will reimburse you up to $1105/$2227.50 for any additional expenses you incur after the HRA deductible. This may not be used to cover dental or vision expenses.

Reimbursement from your HRA must be substantiated by a claim. Expenses shown on your Explanation of Benefits (EOB) statement are typically required to show that you have met the HRA deductible. Claims are generally processed within one week. Reimbursement is by check or direct deposit from Flexible Benefit Administrators.

Active employees have a 90-day period each plan year to file claims. If you leave Harmonia, you will 60 days from the date of separation to file claims. Coverage can continue under COBRA.

Harmonia HRA Contributions Harmonia will pay 33% of each claim after the HRA deductible shown below is met and up to the contribution limit specified below per year:

HRA Deduc�ble Harmonia Contribu�on Limit

Employee Only $1350.00 $1105.00 All Other Plans $2700.00 $2227.50

To submit claims and view transactions, you must create an online account. Please visit: www.mywealthcareonline.com/fba

Click on register at the top right hand corner of the screen. Your employee ID is your social security number with no dashes and the employer ID/registration ID is FBAHARM.

If you have questions about any of your insurance benefits, claims issues, or provider questions, please contact the team at Business Solutions or Flexible Benefits at:

Customer Service: 1-800-437-3539 Website: http://www.flex-admin.com

http://www.mywealthcareonline.com/fba


http://www.flex-admin.com/


Parking and Transit Benefit Program By participating in the Parking and Transit Program, you can set aside pre-tax dollars to be used to cover certain transit or parking expenses.

Qualified Transit Passes “Transit pass” means any pass, token, fare card, voucher, or similar item that entitles you to transportation (or transportation at a reduced price), provided that such transportation is on mass transit facilities, or provided by an entity in the business of transporting persons if such transportation is provided in the type of highway vehicle eligible for use in vanpooling. Examples include bus, light rail, streetcar, subway, vanpool, or ferry. TOLLS are not included. Maximum Election: $260.00 per month per calendar year, Tax Free

Qualified Parking Qualified parking is that which is provided to you at or near Harmonia's business premises. It also includes parking at or near a location from which you travel to work by mass transit, vanpooling, in a commuter highway vehicle, or by carpool. Parking at or near your home doesn’t qualify. Maximum Election: $260.00 per month per calendar year, Tax Free

No Use It or Lose It Rule Any money you do not use from your transportation benefits account for expenses incurred during a Plan Year will be rolled over to the next year.

You Can Make Changes to Your Election You are not locked in to your election throughout the Plan Year. You may stop, start, increase, or decrease your election as needed.

Obtaining A Reimbursement From Your Parking & Transit Benefit Accounts To obtain a reimbursement from your Parking & Transit Benefit Accounts, you must complete a Claim Form. This form is available from Harmonia. You must attach a receipt or bill from the service provider which includes all the pertinent information regarding the expense such as date of service, amount charged, provider’s name, and nature of expense OR you can use your Benefits Card to pay for expenses from your Parking & Transportation Benefit account.

The Parking & Transit Benefit Account Is Not A Pre-Funded Account Harmonia will deduct pre-tax money from your paycheck and deposit it into your account. You will be reimbursed only up to your account balance at the time you submit your claim. If your claim is for more than your account balance, the unreimbursed portion of your claim will be tracked by Flexible Benefit Administrators. You will be automatically reimbursed as additional deductions are taken and deposited into your account, until your entire claim is paid out.

If you have questions about any of your insurance benefits, claims issues, or provider questions, please contact the team at Business Solutions or Flexible Benefits at:

Customer Service: 1-800-437-3539 Website: http://www.flex-admin.com




Income Replacement As a part of Harmonia’s benefits, we provide you with Life and Accidental Death and Dismemberment (AD&D), Long and Short Term Disability Insurance coverage, and the opportunity to enroll in supplemental voluntary life insurance. These programs offer you and your family financial protection against some of the uncertainties life can bring.

Life and Accidental Death and Dismemberment As an eligible Harmonia employee, you will be automatically enrolled in our Basic Life and AD&D Insurance program. This benefit provides $50000 of Basic Life and AD&D coverage.

Voluntary Life and Accidental Death and Dismemberment The Voluntary Life Insurance Plan is a voluntary, employee-paid group life insurance plan which you can elect to supplement your employer paid Life Insurance of $50000. You may select coverage for yourself, your spouse, and your dependent children. Payments are conveniently handled through payroll deduction on a post-tax basis. Unlike the employer provided Life Insurance, voluntary Life Insurance is totally portable and you can take it with you if you terminate employment.

Benefit Increments Guarantee Issue Maximum

Employee Up to 5 times base salary $10000 $150000 $500000 Spouse Up to 50% of employee $5000 $30000 $250000 Child(ren) Up to 50% of employee $2000-$10000 $10000 $10000

To purchase Spouse and/or Child(ren) coverage, you must have coverage on yourself. Insurance benefits and guarantee issue amounts are subject to age reductions starting at age 70.

Select an optional coverage amount for yourself from the table below. The corresponding premium will be deducted per paycheck.

Age $10000 $20000 $30000 $40000 $50000 $60000 $70000 $80000 $90000 $100000

0 - 34 $0.55 $1.10 $1.65 $2.20 $2.75 $3.30 $3.85 $4.40 $4.95 $5.50 35 - 39 $0.65 $1.30 $1.95 $2.60 $3.25 $3.90 $4.55 $5.20 $5.85 $6.50 40 - 44 $0.90 $1.80 $2.70 $3.60 $4.50 $5.40 $6.30 $7.20 $8.10 $9.00 45 - 49 $1.40 $2.80 $4.20 $5.60 $7.00 $8.40 $9.80 $11.20 $12.60 $14.00 50 - 54 $2.20 $4.40 $6.60 $8.80 $11.00 $13.20 $15.40 $17.60 $19.80 $22.00 55 - 59 $3.30 $6.60 $9.90 $13.20 $16.50 $19.80 $23.10 $26.40 $29.70 $33.00 60 - 64 $5.05 $10.10 $15.15 $20.20 $25.25 $30.30 $35.35 $40.40 $45.45 $50.50 65 - 69 $8.90 $17.80 $26.70 $35.60 $44.50 $53.40 $62.30 $71.20 $80.10 $89.00 70 - 74 $15.80 $31.60 $47.40 $63.20 $79.00 $94.80 $110.60 $126.40 $142.20 $158.00 75 - 79 $25.90 $51.80 $77.70 $103.60 $129.50 $155.40 $181.30 $207.20 $233.10 $259.00 80+ $52.25 $104.50 $156.75 $209.00 $261.25 $313.50 $365.75 $418.00 $470.25 $522.50

Guarantee Issue

Electing coverage during open enrollment allows you to secure coverage up to $150000 for yourself, $50000 for spouses, and up to $10000 for dependent children without any health questionnaire unless you have been previously declined. If you elect to add coverage outside of open enrollment or elect coverage above the limits shown above, you will be required to complete an Evidence of Insurability form and could be denied coverage for health reasons.


Select an optional coverage amount for your dependent spouse and/or child(ren) from the tables below. The corresponding premium will be deducted per paycheck.

Spouse

Age $5000 $10000 $15000 $20000 $25000 $30000 $35000 $40000 $45000 $50000

0 - 34 $0.28 $0.55 $0.83 $1.10 $1.38 $1.65 $1.93 $2.20 $2.48 $2.75 35 - 39 $0.33 $0.65 $0.98 $1.30 $1.63 $1.95 $2.28 $2.60 $2.93 $3.25 40 - 44 $0.45 $0.90 $1.35 $1.80 $2.25 $2.70 $3.15 $3.60 $4.05 $4.50 45 - 49 $0.70 $1.40 $2.10 $2.80 $3.50 $4.20 $4.90 $5.60 $6.30 $7.00 50 - 54 $1.10 $2.20 $3.30 $4.40 $5.50 $6.60 $7.70 $8.80 $9.90 $11.00 55 - 59 $1.65 $3.30 $4.95 $6.60 $8.25 $9.90 $11.55 $13.20 $14.85 $16.50 60 - 64 $2.53 $5.05 $7.58 $10.10 $12.63 $15.15 $17.68 $20.20 $22.73 $25.25 65 - 69 $4.45 $8.90 $13.35 $17.80 $22.25 $26.70 $31.15 $35.60 $40.05 $44.50

Children

Age $2000 $3000 $4000 $5000 $6000 $7000 $8000 $9000 $10000

Till 18 $0.20 $0.30 $0.40 $0.50 $0.60 $0.70 $0.80 $0.90 $1.00 *Regardless of how many children you have, they are included in the “All Children” premium amounts listed in the table above.

Long Term Disability As an eligible Harmonia employee, you will be automatically enrolled in our Long-Term Disability (LTD) Insurance plan. In the event of disability, this program will replace 60% of your monthly, pre-disability earnings to a maximum of $5000 per month. Benefits may begin after the Elimination period of 90 days due to a covered accident or sickness. This policy will provide a benefit as long as you are disabled up to the Social Security normal retirement age.

Short Term Disability As an eligible Harmonia employee, you will be automatically enrolled in our Short-Term Disability (STD) Insurance plan. In the event of disability, this program will replace 60% of your weekly, pre-disability earnings to a maximum of $1,500 per week. Benefits may begin after the Elimination period of 8 days due to a covered accident or sickness and last for 90 days.

If you have questions about any of your insurance benefits, claims issues, or provider questions, please contact the team at Business Solutions or Mutual of Omaha at:

Customer Service: 1-800-877-5176 Website: http://www.mutualofomaha.com Group Number: G000APLJ


http://www.mutualofomaha.com/


Retirement Plan Harmonia offers all full-time employees the opportunity to participate in the company-sponsored 401(K) plan through John Hancock Pensions. For full details, please contact Human Resources.

Eligibility You may begin participating on the first day of the month following your start date.

Contributions and Matching Contributions to your 401(K) are made via pre-tax payroll deductions. Please note the following:

• Your contribution amount cannot exceed your plan limit of $18,500. • If you are 50 or older, the plan permits a catch-up contribution of $6000. • After working at Harmonia for one year, Harmonia will match your annual contributions for up to 5% of your

salary. The match is automatically 100% vested.

You can change your contribution rate at any time on the John Hancock Pensions website.

If you have questions about your 401(K) retirement plan, please contact HR at [email protected] or John Hancock at:

Customer Service: 1-800-395-1113 John Hancock Website: http://www.jhancockpensions.com Enrollment Access Number: 456036 Contract Number: 39820

mailto:[email protected]

http://www.jhancockpensions.com/


Time Off Harmonia strives to provide flexibility with time away from the office. Harmonia offers paid personal time off, paid holidays, jury/witness leave, bereavement leave, FMLA leave, unpaid leave, and personal leaves of absence.

For policy and additional details regarding time off, refer to Harmonia’s Employee Handbook.

Paid Time Off (PTO) We believe taking PTO from time to time is vital to your continued productivity and we encourage every employee to take PTO on a regular basis. Eligible employees begin accruing PTO on your first day of employment. PTO is earned every day. Thus, if you earn 16 days per year, you will accrue .35 hours per day x 365 days. Accrual rates are below:

Years with Harmonia

PTO Earned (Hours / Year)*

< 2 128 (16 days) 2 – 3 136 (17 days) 4 – 5 144 (18 days) 6 – 7 152 (19 days) 8 – 9 160 (20 days) 10 – 11 168 (21 days) 12 – 13 176 (22 days) 14 – 15 184 (23 days) 16 – 17 192 (24 days) 18 or more 200 (25 days)

If you leave Harmonia, you will be paid your PTO balance unless you were terminated for cause.

Holidays Holiday Day Observed

New Year’s Day Monday, January 1, 2018 Birthday of Martin Luther King Jr. Monday, January 15, 2018

President’s Day Monday, February 19, 2018 Memorial Day Monday, May 28, 2018 Independence Day Wednesday, July 4, 2018 Labor Day Monday, September 3, 2018 Columbus Day1 Monday, October 8, 2018 Veteran’s Day2 Monday, November 12, 2018 Thanksgiving Day Thursday, November 22, 2018 Day After Thanksgiving3 Friday, November 23, 2018 Christmas Eve4 Monday, December 24, 2018 Christmas Day Tuesday, December 25, 2018

1 Columbus Day is not a holiday for you if you generally telecommute, work from home or work in one of the Harmonia offices 2 Veteran's Day is not a holiday for you if you generally telecommute, work from home or work in one of the Harmonia offices 3 The Day After Thanksgiving is not a holiday for you if you generally work at a government client facility 4 Christmas Eve is not a holiday for you if you generally work at a government client facility


Voluntary PTO Donation Program Each of us may, at some point in our lives, have a family emergency or a personal crisis that causes a severe impact to lives, resulting in a need for additional time off more than our available PTO. This is when we most need our friends and family. To address this need, you may donate PTO from your unused balance to a co-worker provided they have requested to receive such donations and have met certain conditions.

Jury and Witness Leave A leave of absence for Jury Duty will be granted to you if you have been notified to serve. During this leave, if you are an exempt employee you will be compensated your regular salary for up to five days. After that, you may take PTO or leave without pay.

Bereavement Leave In the unfortunate circumstance of a death in your immediate family, you may, if you are an exempt full-time employee, take up to three days off to attend the funeral or make funeral arrangements. If you are a part-time employee, the paid time-off will be prorated when the funeral occurs on a scheduled work day.


Bonuses Performance/Spot and Annual Bonuses In general, we give performance/spot bonuses throughout the year based on the recommendation of your manager and at the sole discretion of Harmonia’s management. A performance/spot bonus is awarded when your contributions exceed expectations for exceptional performance.

We give annual bonuses during the holiday season depending on Harmonia’s performance for the year, the length of your association with the company, your team’s performance, your individual performance, your position and level of responsibility.

Referral Bonuses Harmonia is always looking for top talent, and you can help! If you know someone who would be a great addition to Harmonia, you could get a bonus of $2000!

Please refer to the Harmonia Employee Handbook for more information on bonuses.


Other Benefits Gym Membership and Fitness Class Reimbursement Harmonia will reimburse you for gym membership or fitness classes up to $45 a month. Some of our locations have special deals with local gyms. Check with Human Resouces for your location.

Workplace Giving and Matching Gift Program Harmonia offers a Workplace Giving and Matching Gift Program. As part of our corporate social responsibility, we make contributions to several causes throughout the year. We also have a Matching Gift Program, through which the Harmonia will match donations made by you to your favorite charitable causes.

To be qualified for a matching contribution, the organization you donate to must:

• Be a legitimate 501(c)3 organization that is a social service, charitable, or an environmental organization and is focused on bringing about positive social change

• Be not-for-profit, not politically motivated, and non-religious • In no way benefit you or your firends and family directly or indirectly

Examples of acceptable charitable organizations include the American Red Cross, the American Cancer Society, the Wounded Warrior Project, the Nature Conservancy, and the United Way.

You should know that decisions on whether to match will entirely be the prerogative of the company management but if the organization meets the criteria above, there is no reason to think we won't match!

CRC Hokie Passport If you work in our offices in Blacksburg which are located within the Virginia Tech Corporate Research Center, you are eligible for the CRC Hokie Passport identification card. The card provides access to some Virginia Tech facilities, such as the War Memorial Gym and outdoor tennis courts, free courtesy permits for parking on the Virginia Tech campus, free use of the Blacksburg Transit System, and faculty/staff discounts for VT athletic, concert, and theater tickets.

CRC Hokie Passport benefits and terms are subject to change. For additional details, visit http://www.vtcrc.com/resources/hokie-passport.

BPOL Bus Pass Program If you work in Blacksburg, you are also eligible for the BPOL Buss Pass Program. The program provides free Blacksburg Transit bus passes.

Sporting Events Our Blacksburg location offers free tickets to Virginia Tech Football games on first come, first serve basis. Our Kansas City location offers free tickets to the Royals Baseball team.

Birthdays and Anniversaries Harmonia will celebrate your birthday with a $25 gift card. We will also celebrate your anniversary with Harmonia with a gift card of $25 to $200 depending on tenure.

Special Events Every location offers a host of events such as game nights, monthly lunches, bowling leagues, holiday parties, and celebrations.

http://www.vtcrc.com/resources/hokie-passport


Worksheets Health Care Worksheet Use the expense worksheet as a guide to determine next year’s qualifying expenses for yourself and your family.

Out-of-Pocket Health Care Expenses

Items (examples) This Year’s Actual Expenses Next Year’s Estimated Expenses

Medical Plan Co-pays $ $ Medical Plan Deductibles $ $ Medical Plan Coinsurance $ $ Prescription Drug Copayments $ $ Vision Care $ $ Dental Coinsurance $ $ Orthodontia $ $ Total Estimated Annual Expenses $ $

Maintaining Your Family’s Standard of Living Consider how much life insurance you may need in the case of an untimely death. What would it take to maintain your family’s standard of living to cover the expenses below?

Household Expenses

Food $ Housing $ Clothing $ Utilities $ Day Care $ Other Family Expenses $

Outstanding Debt

Mortgage $ Car Payment(s) $ Credit Card Debt $ Other Debt $

Projected Expenses

Home Repair/Renovation $ Auto Repair/Purchase $ College Education Planning $ Wedding Planning $ Miscellaneous $ Subtract Any Existing Coverage ($) Consider this amount of supplemental life insurance

$


Contacts We encourage all our employees and their families to become familiar with and use the resources available to Harmonia’s employees.

Benefit Carrier/Company Customer Service Information

Questions regarding ANY of Your Insurance Benefits, Claims Issues, and Provider Questions

Business Solutions

Phoebe McAnallen: [email protected] Robyn Thompson: [email protected] Tracey Hale: [email protected] Office: 1-800-373-2775 or 1-540-444-4000 Fax: 1-540-444-4004

Medical Aetna Health Insurance

Group Number: TBD Customer Service Number: 1-888-877-0943 Rx Customer Service: 1-888-792-3862 Website: https://www.innovationhealth.com/

Health Savings Account (HSA)

Health Equity Customer Service Number: 866.346.5800 Website: www.healthequity.com

Dental Anthem BlueCross BlueShield

Group Number: 791202 Customer Service Number: 1-866-956-8607 Website: https://www.anthem.com/mydentalvision/

Vision EyeMed Group Number: 9943754 Customer Service Number: 1- 888-581-3648 Website: http://www.eyemed.com

Life and AD&D Mutual of Omaha Group Number: G000APLJ Customer Service Number: 1-800-877-5176 Website: http://www.mutualofomaha.com

Voluntary Life, Short and Long Term Disability

Mutual of Omaha Group Number: G000APLJ Customer Service Number: 1-800-877-5176 Website: http://www.mutualofomaha.com

Health Savings Account Health Equity Customer Service Number: 1-866-346-5800 Website: http://www.healthequity.com

Health Reimbursement Arrangement (HRA) & Parking and Transit Benefits

FlexibleBenefit Administrators

Customer Server Number: 1-800-437-3539 Website: http://www.flex-admin.com

401(K) Retirement Savings

John Hancock Pensions

Enrollment Access Number: 456036 Contract Number: 39820 Customer Service Number: 1-800-395-1113 Website: http://www.jhancockpensions.com

Harmonia Team Of course, you can also always reach out to our dedicated internal HR team if you have any questions about any of the company benefits:

• Tammi Decatur Human Resources Manager, 540-951-5900 x201, [email protected]

• Becca Kern Office Manager/Human Resources Assistant, 540-951-5900 x200, [email protected]




https://www.innovationhealth.com/


https://www.anthem.com/mydentalvision/

http://www.eyemed.com/





http://www.jhancockpensions.com/


Glossary Deductible The amount that must be paid per benefit period before insurance begins to pay its por�on of claims. The deduc�ble amount varies based on whether it is individual or family coverage.

Coinsurance The percentage or amount the member is required to pay in conjunc�on with their insurance plan a�er the deduc�ble has been met.

Copayment The amount a pa�ent pays up-front when services are received from a provider during an office visit.

Embedded Deductible On a medical plan with more than one covered person, the plan contains two components: an individual deduc�ble and a family deduc�ble. Having two components to the deduc�ble allows for each member of your family to have their medical bills covered prior to the en�re amount of the family deduc�ble being met. The individual deduc�ble is embedded in the family deduc�ble. For example, you and your daughter are on a plan with a $3000 family-embedded deduc�ble, and the individual deduc�ble is $1000. If your daughter incurs $1000 in medical bills, her deduc�ble is met and any subsequent medical bills for your daughter that year will be paid even though the family deduc�ble of $3000 has not been met yet.

Inpatient Hospitalization This is care given to a person who has been admited to the hospital and staying one or more nights.

Out-of-Pocket Maximum This is the maximum amount a member will pay out of pocket during the benefit period, which includes deduc�bles, coinsurance, and copayments. Once this amount is met, the plan will pay 100% of the allowed amount for the rest of the benefit period for covered services.

Out of Network An out-of-network provider is one not contracted with the health insurance plan. In many cases, the insurance company will either pay less or not pay anything for services you receive from out-of-network providers. These providers may also be subject to balance billing.

Qualifying Events Change of coverage under another employer’s plan, loss of coverage, marriage, child-birth, adop�on, death, legal separa�on, and divorce. This list is not all-inclusive of possible qualifying events. Some qualifying events such as the loss of dependent status (divorce, death) are mandatory events and you must no�fy HR immediately. Contact HR if you have ques�ons about qualifying events.

Documents

2016 Employee Benefits Guide - Formsite · PDF file2018 Employee Benefits Guide (v.0) Proprietary and Confidential 1 What’s New for 2018 You, our employees, are Harmonia's greatest