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7/23/2019 Benefits Details
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Welcome To
Liberty Mutual Insurance
An Overview of Your Benefits and Wellness Program
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As a Liberty Mutual Insurance employee, your total compensation package is more than your direct pay.
Your indirect pay, which consists of your employee benets, is a large part of your total compensation. A
comprehensive employee benets package provides broad nancial protection for you and your family
both today and in the future. You have a number of different benet plans from which to choose, as well
as different coverage levels. The Company pays 100% of the cost of some benets, you share the cost of
other coverages with the Company, and some coverages are completely employee-paid. The following is an
overview of our employee benets. In all cases, the terms of the plan will govern. For copies of the Summary
Plan Description for each Plan, visit the Program Library within the Your Total Rewards website.
As a newly hired employee, you have 30 days from the day your employment begins to elect your benets.
Regardless of when you conrm your elections during this 30-day period, benets will begin on your rst day of
employment with the Company. If you do not actively conrm your health and welfare elections on the Your Total
Rewards website within this timeframe, you will be automatically enrolled into the standard new hire coverages
displayed below and deductions will be taken from your pay.
If You Don’t Submit Your Enrollment
Employees on the U.S. payroll who are regularly scheduled to work 30 or more hours per week
Employees on the U.S. payroll who are regularly scheduled to work less than 30 hours per week
receive No Coverage in all plans if no elections are made.
Medical: Medical for Employee Only
Dental: No Coverage
Vision: No Coverage
Long-Term Disability: 40%
Employee Life: $10,000 option
Spouse/Domestic Partner Life: No Coverage
Child Life: No Coverage
Accidental Death & Dismemberment: No Coverage
Health Care FSA: $0
Dependent Care FSA: $0
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Medical
The Liberty Mutual Medical Plan offers eligible employees participation in a national medical plan. You can also
select no coverage if you certify that you have coverage elsewhere or are regularly scheduled to work less than
30 hours per week. As a newly hired employee, you have 30 days from the day your employment begins to enroll
or decline coverage in Liberty Mutual’s Medical Plan. If you do not make an election and are regularly scheduled
to work 30 or more hours per week, you will be automatically enrolled into Medical coverage for yourself only and
paycheck deductions will begin. You cannot change coverage until the next annual enrollment period.
The Liberty Mutual Medical Plan is a preferred provider organization (PPO) plan with annual deductibles and
coinsurance. The Plan offers lower out-of-pocket expenses when using in-network providers, plus the opportunityto choose any licensed out-of-network provider with higher out-of-pocket expenses.
The Medical Plan has three different plan designs, with different deductibles and out-of-pocket maximums. The
plan design you are eligible for depends on your pay.
Out-of-Pocket Maximum
In-Network
$1,500 Individual/$4,500 Family
In-Network
$2,000 Individual/$6,000 Family
In-Network
$2,750 Individual/$8,250 Family
Plan Design
Plan A
(less than $50,000 Base Pay)
Plan B
($50,000 - $124,999 Base Pay)
Plan C
($125,000 and over Base Pay)
Deductible
In-Network
$400 Individual/$1,200 Family
In-Network
$600 Individual/$1,800 Family
In-Network
$1,000 Individual/$3,000 Family
Note: Base Pay for sales employees includes base pay plus sales bonus and/or commissions.
Out-of-Network
No matter which Plan (A, B, C) you are enrolled in, using out-of-network providers will cost you more:
- Annual Deductible: $1,500 individual/$4,500 family
- Out-of-Pocket Maximum: $4,000 individual/$12,000 family
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Selecting No Medical Coverage
For employees on the U.S. payroll who are regularly scheduled to work 30 or more hours per week, medical
coverage is a condition of employment. You must either enroll for coverage in the Liberty Mutual Medical Plan or
provide proof that you have coverage elsewhere.
If you elect No Coverage in the Medical Plan, you are asked to provide information about your other medical
coverage and certify that you have coverage elsewhere. If you do not provide this certication at the time of your
election, you automatically will be enrolled in the Medical Plan, with Employee Only coverage and paycheck
deductions will be taken. If you lose your alternative coverage at any time, you are required to enroll in the LibertyMutual Medical Plan within 30 days of your losing that alternative coverage. You will be asked to certify that you
have medical coverage elsewhere during each Benets annual enrollment. Please note: Knowingly providing false
information about your alternative coverage or not enrolling in the Liberty Mutual Medical Plan within 30 days of
your losing alternative coverage may result in disciplinary action up to, and including, termination of employment.
Depending on the state in which you reside, your administrator is Aetna or Blue Cross Blue Shield of
Massachusetts. In the states of New York and Pennsylvania, your home zip code determines whether your
administrator is Aetna or Blue Cross Blue Shield. Your Total Rewards shows your administrator.
Prescription drug benets are a component of the Medical Plan and are administered by Express Scripts. If you
live in Hawaii, your coverage is provided under a separate plan design and your administrator is Blue Cross Blue
Shield of Hawaii; prescription drug benets also are administered by Blue Cross Blue Shield of Hawaii.
Under the in-network level of benets, well child care visits, annual physicals and certain cancer screenings
are covered at 100% (within Plan limits), without having to meet your deductible. All other visits are subject to
your deductible. Once your deductible is met, the Liberty Mutual Medical Plan begins paying a portion of your
claims. Your share is called coinsurance. You will be responsible for 10% or 20% of the cost for in-network care,
depending on the provider or service. If you meet your total Out-of-Pocket Maximum (the combination of covered
expenses used towards your deductible and your coinsurance payments), the Liberty Mutual Medical Plan will pay
100% of the cost of your claims (within Plan limits).
Unless you are living in Hawaii, the prescription drug program for Medical Plan participants is administered by
Express Scripts. This plan has a separate coinsurance for every 30 or 90 days’ supply, depending on the type
of prescription you take. The amount paid out-of-pocket for prescriptions does not go towards your Medical Plan
deductible or out-of-pocket maximum. The prescription plan includes a separate annual out-of-pocket maximum.
Specialty drugs are provided through the Accredo Specialty Care Pharmacy. Please refer to the Express Scripts
information in the Summary Plan Description for important details, including the out-of-pocket maximums, retail
network and the mail service program.
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Other Valuable Health Benefits
If you enroll in the Medical Plan, you and your enrolled dependents have other valuable resources available.
Castlight Health: Know Before You Go
Castlight Health, available to Medical Plan participants, helps you nd high-quality medical care and see how
much you will pay for it before you go. When you use Castlight’s service online or over the phone, you can
compare all of your options and make your health care dollars go further. No longer must you wait for the bill to
come weeks or months after your visit before you nd out what you owe!
Did you know that Castlight has found that common healthcare service prices can vary by over 700 percent? Such
wide ranges can be found for all types of services, including primary care visits, specialist visits, labs, x-rays and
procedures. Prices for care are negotiated between doctors and health plans, so a high price often means that
a doctor belongs to a large medical group that has more negotiating power. Since prices aren’t really tied to a
doctor’s education or ability, you can nd high-quality doctors who charge below-average prices in your area.
Our health care system is generally designed to hide this information from consumers. Castlight Health makes it
easy to compare your options on cost, quality, and convenience so you can make smart health care decisions for
yourself and your family.
Using Castlight online or over the phone, you and your family will be able to:
• Compare in-network doctors and medical services in your area based on the price you’ll pay and quality of
care other patients have received.
• See personalized cost estimates before you go to the doctor that take into account your health plan and
whether you’ve already met your deductible.
• Review step-by-step explanations of past medical spending so you know how much you paid and why.
• Receive recommendations on ways to save money and nd high-quality care.
• Save on prescriptions - get convenient prescription options and learn about low cost, generic alternatives.
As a new hire, shortly after you enroll in the Medical Plan, you’ll receive a welcome email from Castlight. Follow
the registration instructions to get started.
Access Castlight Anywhere
Have a smartphone? Download the Castlight mobile app from your phone’s app store (search “Castlight”).
You’ll have access anywhere, anytime to information on how to nd high-quality, cost-effective care.
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Best Doctors
When you’re facing a critical medical decision, getting it right means everything. With Best Doctors, you can
get an expert opinion on your cancer diagnosis and treatment plan or on surgical recommendations for certain
conditions, without leaving home.
The Best Doctors Cancer Diagnosis & Treatment program is available to all Liberty Mutual employees and
Medical Plan dependents. The Surgical Second Opinion program is available to all members of the Liberty Mutual
Medical Plan.
Once you have access to the myLiberty intranet site, visit myLiberty→ Employee Center→Wellness→Quality ofCare for information.
Dental
Liberty Mutual offers a Dental Plan through Delta Dental of Massachusetts. The Dental Plan is a self-insured
Dental Preferred Provider Organization (DPPO). You and Liberty Mutual share the cost of this optional coverage.
You pay your share on a before-tax basis. There are two coverage options:
• Basic Plan: provides 100% payment, with no deductible, for covered preventive care expenses such as semi-
annual cleanings and x-rays. The Basic Plan provides 50% payment for all other covered dental expenses,
after the deductible ($100 Individual/$200 Family). The Basic Plan does not offer orthodontia coverage and
carries a lower annual maximum benet of $1,000 for all covered expenses.
• Plus Plan: provides 100% payment, with no deductible, for covered preventive care expenses such as semi-
annual cleanings and x-rays. The Plus Plan provides 80% payment of all other covered dental expenses after
the deductible ($100 Individual/$200 Family). The Plus Plan has an annual maximum benet of $2,000 for all
covered expenses. The Plus Plan also provides 50% payment for covered orthodontia expenses for children
under age 18. The lifetime maximum benet for orthodontia is $1,500 per covered individual and covered
orthodontic expenses are only eligible for the lifetime maximum while the dependent is covered under the
Plus Plan.
Vision
Liberty Mutual offers employees the opportunity to select Vision coverage through a Vision Care Plan with
EyeMed. (You should note that eye exams are not covered under the Medical Plan.) You may receive a complete
pair of glasses (up to $130) or contact lenses (up to $120) every calendar year, as well as an annual spectacle
eye exam or an annual contact lens exam at participating providers. Specially discounted glasses and contacts
may also be purchased, and savings on laser vision correction are offered. You pay 100% of the cost of this
optional coverage on a before-tax basis.
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Employee Life Insurance
The Employee Life Insurance Plan offers coverage options of $10,000 as well as coverage equal to one to six
times your annual earnings with a maximum total coverage amount of $3 million. The Company pays the full cost
of coverage equal to 1x salary for employees on the U.S. payroll who are regularly scheduled to work 30 or more
hours per week, and half the cost of 1x salary coverage for all other eligible employees. You pay 100% of the cost
of any additional coverage at age-related group rates. Employees scheduled to work 30 hours or more per week
who elect the $10,000 option will receive taxable cash back in their pay.
As a newly hired employee, you must elect coverage within 30 days of your employment date or your coverage
will default to $10,000 for employees regularly scheduled to work 30 or more hours per week and no coveragefor all other eligible employees. Newly hired employees have the option to elect any level of coverage without
providing Evidence of Insurability. Changes to your Employee Life Insurance can only be made during an Annual
Enrollment period or if you have a qualied status change. If you decide you would like to increase your Employee
Life Insurance coverage during a future Annual Enrollment, proof of insurability is required.
For additional information, including how pay is dened, you can view the Summary Plan Description for the
Employee Life Insurance Plan on Your Total Rewards .
Accidental Death & Dismemberment Insurance
Accidental Death & Dismemberment (AD&D) Insurance provides optional coverage of one to four times paywith a maximum total benet amount of $2 million to eligible employees for accidents resulting in death or
dismemberment. Employees pay 100% of the cost of this optional coverage, on a before-tax basis.
For additional information, including coverage amounts, you can view the Summary Plan Description for AD&D on
Your Total Rewards .
Spouse/Domestic Partner Life Insurance
Spouse/Domestic Partner Life Insurance offers four levels of life insurance coverage for your spouse or domestic
partner: $5,000, $25,000, $75,000 and $100,000. You pay 100% of the cost of this coverage, on an after-tax
basis. Proof of insurability is required if you elect the $75,000 or $100,000 options. If you do not complete the
online Evidence of Insurability form during the enrollment process, the Spouse/Domestic Partner Life Insurance
coverage will default to $25,000 in coverage.
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Child Life Insurance
Child Life Insurance offers three levels of life insurance coverage for your eligible dependent: $2,000, $5,000 and
$10,000. You pay 100% of the cost of this coverage, on an after-tax basis. For eligibility purposes, a dependent is
considered eligible if they are your child or your spouse’s/domestic partner’s child (including any stepchild, foster
child, legally adopted child or a child for whom a court order of custody or guardianship has been obtained).
The dependent must be 8 days or older and younger than age 26.
Short-Term Disability
The Short-Term Disability (STD) Plan is designed to continue all or part of your pay when a non work-related
disability keeps you away from work for more than seven consecutive (7) calendar days and up to 25 weeks. All
employees on the U.S. payroll who are regularly scheduled to work 20 or more hours per week are eligible for
the STD Plan on their rst day of employment. Eligible employees are automatically enrolled in the STD Plan
and the Company pays 100% of the STD coverage. STD benets begin on the eighth consecutive calendar
day of disability. The rst ve work days of disability are covered by Flexible Time Off, Personal Holidays and/
or Company Holidays if available and applicable, or are unpaid. For each complete year of service, you are
eligible for one week of STD benets at 100% of your pay.* Benets are then adjusted to 66-2/3% of pay for each
remaining week of STD. STD benets end after the 25th week of disability.
*For additional information, including how pay is dened, you can view the Summary Plan Description for Short-
Term Disability on Your Total Rewards .
Long-Term Disability
The Long-Term Disability (LTD) Plan is a condition of employment for all employees on the U.S. payroll who are
regularly scheduled to work 30 or more hours per week. All other eligible employees may also elect to participate
in the LTD Plan. The LTD Plan offers three coverage options: 40%, 50% and 60% of pay.* LTD benets are
payable after the 26th week of disability, subject to pre-existing condition exclusions. Benets coordinate with
Social Security and certain other benets for which you are eligible. You can qualify to receive benets up to age
65 or 70, depending upon your age when you are disabled. Special limits apply to disability due to mental illness.
Employees pay 100% of the cost of this coverage on an after-tax basis; benets generally are tax-free.
* For additional information, including how pay is dened, you can view the Summary Plan Description for Long-
Term Disability on Your Total Rewards .
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Health Care Flexible Spending Account
The Health Care Flexible Spending Account (FSA) can be used to pay for most health care expenses that are
not covered or reimbursed by the Medical, Dental or Vision Care Plans or under other health care coverage you
may have. Examples of eligible healthcare expenses are your deductible, coinsurance, hearing aids, contact
lenses or glasses, orthodontic expenses, etc. The Health Care FSA will cover eligible expenses you or your family
members incur within the plan year. As a newly hired employee, you will be making an election for the remainder
of the calendar year. The amount you elect will be split over the remaining pay periods in the calendar year.
Your dependents expenses will only be reimbursable if your dependent is your spouse or meets the denition of
“dependent” as dened under Internal Revenue Code (“Code”) Section 152.
When you make your Health Care FSA election, you will be asked to elect how you want to receive reimbursemen
for your claims. You can elect to:
• receive a YSA Card, which is a debit card that can be used to pay for eligible health care expenses; or
• participate in Automatic Reimbursement for your eligible claims.
With Automatic Reimbursement, participants in Liberty Mutual’s medical, dental and/or vision care plans can be
directly reimbursed for eligible out-of-pocket health care expenses -- with no need to ll out paperwork. You pay
your provider out of your pocket at the time you incur an eligible expense and the health plan administrator then
submits the claim to Your Spending Account, who in turn reimburses you directly.
With either the YSA Card or Automatic Reimbursement, be sure to always save your receipts in case you are
asked to substantiate a claim.
FSAs are generally subject to the IRS “use it or lose it” rule. That is, if you contribute more than you receive in
reimbursements in any Plan Year, you must forfeit the difference. However, with respect to contributions made to
your Health Care Flexible Spending Account, you may carryover an amount greater than $50 up to a maximum of
$500 of the unused amount that you have elected in a calendar year.
The Health Care FSA requires an annual election during each Annual Enrollment period.
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Dependent Day Care Flexible Spending Account
The Dependent Day Care Flexible Spending Account will cover many expenses related to the care of a qualifying
individual(s) so that both you and your spouse can work. Eligible Dependent Care expenses include daycare,
nursery schools, after-school care programs or in-home care.
As a newly hired employee, you will be making an election for the remainder of the calendar year. The amount
you elect will be split over the remaining pay periods in the calendar year. A qualifying individual under Section 21
of the Internal Revenue Code (“Code”) means an individual who can be claimed by the employee as a dependent
(as dened in Code Section 152(a)(1)), is under age 13, and lives with the taxpayer for more than one-half of
the taxable year. In addition, a qualifying individual includes the employee’s spouse or an individual who can beclaimed by the employee as a dependent under Code Section 152, if they are physically or mentally incapable
of caring for him or herself and have the same principal residence as the employee for more than one-half of the
taxable year.
You must pay out of pocket for all Dependent Care expenses and then submit for reimbursement. This account
must be re-elected each year during the Annual Enrollment period. Any unused funds available in the Dependent
Care FSA at the end of the year do not carry over to the next plan year and will be forfeited to the Company.
Retirement Program
Liberty Mutual offers a generous retirement benets program, including a 401(k) plan with a company match onyour before- or after-tax contributions that allows you to share in the nancial growth of the Company, combined
with a fully company-paid pension plan. If you are eligible to participate in the pension plan, the Company will
provide you with monthly pay credits and interest credits through a cash balance account. In addition, eligible
employees may elect to continue their Medical, Dental, and Life Insurance coverage into retirement. Additional
information and enrollment in the 401(k) plan is on Your Total Rewards . You can also view the Summary Plan
Description for both the 401(k) plan and the Retirement Benet (pension) Plan on Your Total Rewards . Soon
after your employment begins, you’ll also be able to see the value of your total compensation -- your pay and your
benets, including retirement benets -- on this site. It’s available year-round.
Commuter Benefits Program
The national Commuter Benets Program will help you save money on your commuting costs, and also provide
the convenience of home delivery of your orders. Your Spending Account, which is part of the Your Total
Rewards site, delivers Commuter Check Vouchers and Fare Media for a number of transit authorities through an
easy on-line enrollment program.
The program works in a way that is similar to a exible spending account. You elect to pay with before-tax payroll
deductions (to IRS limits) for eligible transportation expenses for public transportation (for example, trains, buses,
subways, ferries or vanpools) and/or for parking at or near work. Note: Mileage, tolls, fuel, carpooling, and
business travel are not eligible for this program.
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StayWell Program
Let’s face it; stressing less, moving more and eating better give you more energy. To help you live your personal
best Liberty Mutual offers a lineup of wellness opportunities with our partner, StayWell®. StayWell’s experts have
helped thousands of people successfully change their life for the better.
From wellness assessments to challenges, coaching and mobile tools, you’ll nd many opportunities to invest in
yourself – all at no cost to you. All Liberty Mutual active employees can take advantage of StayWell resources,
including the opportunity to earn nancial incentives.
Resources include:
Financial incentives
All employees are encouraged to take part in our StayWell Program, with a goal towards achieving their personal
best. We offer medical participants and their covered spouse or domestic partner the opportunity to receive
nancial incentives for participating in our Wellness Assessment, biometric screening, health coaching and other
activities. In addition, there will be opportunities for non-medical plan participants to earn nancial incentives by
participating in wellness challenges and activities throughout the year.
Wellness assessment
Know your personal best. Learning your health score allows you to build a plan, focused with targeted goals. It’s
condential, smart and only takes 10 minutes to complete.
Health coaching
Talking with a health coach is like working with a personal trainer on the topic of your choice. Coaches help you
make meaningful lifestyle changes. Choose to:
• Address overeating triggers and lose weight for good
• Ease low back pain
• Create a plan to move more
• Understand stress and learn how to think healthier
• Get meal planning ideas and recipes
• Manage your blood pressure
• Manage your cholesterol
• Get ready to beat tobacco cravings, adjust to life without tobacco and feel great
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Resources for those with on-going health care needs
If you actively manage diabetes, heart disease, blood pressure, cholesterol or other health concerns, you can
get support and information from a personal nurse. It’s always helpful to have a resource just a phone call away
for quick advice and planning between health care visits.
You can nd additional information within our intranet site, after your rst day of work. Visit myLiberty→
Employee Center→Wellness.
RationalMed®
A technology-based care program that reviews medical and drug claims to identify potential adverse drug
interactions or gaps in care and is available to all participants enrolled in the Liberty Mutual Medical Plan.
GlobalFit
The GlobalFit tness benet can help you and your family enjoy the benets of good health with convenient and
affordable tness club memberships. The GlobalFit program includes up to 60% savings on membership dues
for you and your family, as well as month-to-month memberships for many clubs.
Access additional information, including the network of tness clubs available in your area at
www.globalfit.com/libertymutual.
Work Life Solutions Plan
The Work Life Solutions Plan is an Employee Assistance Program (EAP) that offers all Liberty Mutual U.S.
employees and your eligible household members a wide range of services, including helping you address
substance abuse problems and assisting you in balancing the demands of work and family. All services are
completely condential. You can access the Work Life Solutions’ web site directly at: www.liveandworkwell.
com. The access code is liberty. Or, if you prefer, you may also speak condentially with a representative by
calling 1-866-808-2815 (TDD/TTY: 1-866-216-9926). Representatives are available 24 hours a day, 7 days
a week.
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Adoption Assistance Plan
Eligible employees may be reimbursed up to a maximum of $5,000 for each adoption. Employees on the U.S.
payroll who are regularly scheduled to work 20 or more hours per week, may receive reimbursement for eligible
adoption-related expenses.
Eligible expenses include: adoption agency fees, legal fees / attorney fees, court fees, costs related to physical
examination of the child and birth mother’s pregnancy-related expenses.
See the Employee Center intranet site for additional information.
Auto and Home Insurance Discounts
Eligible employees may receive a discount on their auto and homeowners insurance policies, as well as other
personal lines of insurance, and pay for coverage through the convenience of payroll deduction.
There are two programs available:
• Liberty Mutual Auto and Home Insurance Program
• Safeco Insurance Group Plan
Advantages of both programs include:
• a discount from standard rates, depending on the state in which you live and the discounts for which you areeligible*;
• no monthly checks, no down payment, and no service fees if you choose payroll deduction; and
• online access to paycheck deduction information.
*Discounts and credits are available where state laws and regulations allow and may vary by state. Certain
discounts apply to specic coverage only. To the extent permitted by law, applicants are individually underwritten;
not all applicants may qualify. The Liberty Mutual Auto and Home Insurance Program is available in all states.
At this point in time, the Safeco Insurance Group Plan is not available in Delaware, District of Columbia, Hawaii,
Maine, Massachusetts, Mississippi, New Jersey, North Carolina, Rhode Island and Tennessee.
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Employee Discounts - Liberty Mutual Marketplace
Offers eligible employees access to an online marketplace offering exclusive discounts from well-known retailers,
manufacturers and service providers.
Within the rst month after you start, you will receive a Welcome email with a link to the Liberty Mutual
Marketplace portal and instructions on how to register. Once you have registered, you can invite up to ve (5)
family members and friends to join and benet from the same discounts.
myConcierge
Where eligible employees can get expert assistance on everything from recommendations and reservation
assistance for that special celebratory dinner to organizing a getaway or family vacation, or locating high quality
providers of home services, such as pet care, repair and maintenance services. Once you have access to the
myLiberty intranet site, visit myLiberty→ Employee Center→Compensation, Benets & Wellness→Other
Valuable Benets.
Connexus Credit Union
Employees of Liberty Mutual Group and afliate companies may join Connexus Credit Union. Connexus services
over 15,000 Liberty Mutual employees and family members throughout the United states and offers a full line of
nancial products and services including auto loans, mortgages, and checking accounts.
For more information about Connexus Credit Union’s products, services and promotions visit
http://www.connexuscu.org or call 1-800-845-5025.
Connexus Credit Union is not a subsidiary, partner, nor is managed or controlled by Liberty Mutual. Liberty Mutual assumes no liability for
operations of the Credit Union.
This Guide provides an overview of the benets program offered by Liberty Mutual and it should not be regarded as an indicator of an employment
contract between you and Liberty Mutual. Complete information about retiree coverage under the Medical, Dental, and Employee Life Insurance Plans,
401(k) Plan, and Retirement Benet Plan is included in the legal documents for each Plan. As always, if there are any discrepancies between this Guide
and the legal documents, the legal documents will govern. The Company reserves the right to change or terminate any plan, the terms of any plan, or
cost-sharing arrangement at any time.
7/2015