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What's new in 2013?

Step 1: LearnSee what others are choosing

Step 2: Choose wellThe big picture

Step 3: Enroll2013 enrollment checklist

Step 4: Use wellYour choices

Don’t miss this

Vacation policy changes

Health care reform

New LifeWorks.com site

Other legal notices

Just as we encourage our customers to review their portfolios regularly to ensure they’re making good investment decisions, we encourage you to review your benefit selections every year to make sure you have the coverage that best suits your needs.

FOR U.S. empLOYeeS eLigibLe FOR beNeFiTS

It’s time to review your benefits for 2013As you prepare for this year’s benefits annual enrollment, take some time to think about the benefits coverage that will be right for you in 2013. Review your needs and the level of protection that’s the best fit for you and your family.

How well do you know your benefits plan? bmO provides a wide range of options to help you protect yourself and your dependents. The 2013 benefits enrollment site will help you evaluate your choices and choose well.

The annual enrollment window opens on Monday, October 29, 2012 and closes on Friday, November 16, 2012. Don’t miss this annual opportunity to review your benefits and revisit your choices. As always, you can adjust coverage mid-year if you experience a life event.

The Human Resources Center is available to support you along the way at 1-800-544-0658 (at the prompt, say “annual enrollment”) monday through Friday from 8 a.m. to 5 p.m. CT.

Benefacts

Your Fall 2012 Benefits UpdateChoose well.

Find out what’s new

in 2013!

http://myaccessbenefits.com/documents/Introducing_your_benefits_USnonHarris.pdf

http://myaccessbenefits.com/contacts.aspx


https://myhr.bmogc.com/myHR/Redirector?id=Login&lang=en

http://www.myaccessbenefits.com/documents/2013benefitsataglance.pdf

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What's new in 2013?For 2013, bmO will continue providing comprehensive, competitive and cost-effective benefits coverage choices that meet your needs, while ensuring that our benefits program remains sustainable for the long term.

Changes to premiums every year, we assess usage of our plans, industry trends and rates of medical and dental inflation. This year, premiums are increasing, on average, by 5.7%. Review the 2013 premium chart to help you evaluate your plan options and coverage levels.

Preferred Provider Organization (PPO) Plans and the High Deductible Health Plan (HDHP)Medco (prescription drug vendor for the PPO plans and HDHP) merges with Express Scripts

earlier this year, medco merged with express Scripts, and as a result, you may receive communications referring to both companies. please continue to use your current medco iD card when filling 2013 prescriptions. You will not receive a new card.

ActiveHealth — new informed care management vendor

beginning January 2013, ActiveHealth will provide care management services to employees and covered dependents as part of the benefits provided under the ppOs and HDHp.

ActiveHealth is a personal, confidential and voluntary program to help you manage coronary artery disease, heart failure, chronic obstructive pulmonary disease, asthma and diabetes. if you are actively participating in the disease management program through CareAllies, your medical case will transition to ActiveHealth, and you will receive additional information from ActiveHealth.

blue Cross, Humana and UnitedHealthcare will continue to be the claims administrators for the ppO plans. UnitedHealthcare will continue to be the claims administrator for the HDHp.

What's new in 2013?





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Health care reform


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Benefacts

Choose well.Your Fall 2012 Benefits Update

HmOs are available as a medical plan option in certain locations. please review the 2013 Medical Plan Options chart to determine which plans are available to you based on where you live.

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http://myaccessbenefits.com/NewHires/Premiums.aspx

http://myaccessbenefits.com/documents/MedicalPlanOptions2013.pdf


http://myaccessbenefits.com/documents/2013benefitsataglance.pdf

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What's new in 2013?

Health Maintenance Organizations (HMOs)Network Health Plan (Appleton, WI area) will not be offered in 2013

Network Health plan has notified bmO of its decision not to offer the plan for 2013 due to significant premium increases and anticipated reductions in enrollment. if you are enrolled in the Network Health plan, your coverage for 2013 will change to the UnitedHealthcare Choice plus ppO plan unless you choose to enroll in a different plan or waive your coverage during annual enrollment.

Changes to out-of-pocket maximum and copays for some HMOs

Refer to the 2013 Medical Plan Options chart for specific details on the changes.

Spouse Opt-In Charge – Important Reminder!if you are covering a spouse or domestic partner in 2012, your Spouse Opt-in election will remain the same for 2013 unless you change your response during annual enrollment. if you add a spouse or domestic partner to your plan, you will be asked about his or her eligibility for medical coverage through another employer. Your response will determine if a monthly $75 Spouse Opt-in charge will apply in addition to the premiums on your selected plan option. The $75 charge will not apply if your spouse or domestic partner is not eligible for other coverage or if your spouse or domestic partner enrolls in his or her company’s medical coverage. Review the 2013 premiums chart to help you evaluate your options.

What's new in 2013?





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Health care reform


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Women’s health services covered at 100%

Additional women’s health services will be covered at 100% in 2013. For more information on this and other Health Care Reform changes for 2013, click on the “Don’t miss this” tab.







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Step 1: Learn

See what others are choosing

Jim, 42, has a domestic partner: Looking for ways to save

Kathy, 58, married, no other eligible dependents: Thinking about retirement

Jasmine, 45, with teens: Choosing up

Andrew, 31, expectant dad: Starting a family

Madison, 26, single: Beginning her career

What's new in 2013?





Don’t miss this


Health care reform


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Benefacts


Want a refresher?

if you are relatively new to bmO or want a refresher on our benefits program, visit www.myaccessbenefits.com for comprehensive information.

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Jim, 42, has a domestic partner: Looking for ways to save Jim, an accountant, wants to calculate their best value.

Considering the High Deductible Health Plan (HDHP)Jim and his domestic partner are in relatively good health. Neither has had a history of any significant illnesses or injuries. This year, Jim decides to take a look at the HDHp as a medical plan option because he recognizes the potential premium savings the HDHp can offer.

Jim knows that an important consideration with the HDHp is the ability to handle the risk. The deductibles and out-of-pocket limits are much higher under the HDHp than the other plan options, so he wants to make sure they can afford to cover those costs if something happens unexpectedly.

To help lower the potential risk, Jim considers the advantages of being able to enroll in and make pretax contributions to a Health Savings Account (HSA) to cover the potential out-of-pocket expenses. if he hasn’t used the entire amount in his HSA at the end of the year, the remaining balance will carry over, and he can use it for expenses in future years – a feature he really likes.

Jim decides to enroll in the HDHp with an HSA for 2013, and he discovers there are opportunities to save even more.

Taking the savings even furtherSince Jim’s domestic partner has access to coverage through his own employer, the Spouse Opt-in charge of $75 per month will apply if he chooses to cover his domestic partner. Jim decides to maximize their potential savings by having his domestic partner enroll in coverage through his own employer. The cost of the two “employee-only” plans is less than “employee + domestic partner” coverage through either employer. in addition, they will be avoiding any potential tax implications for covering a domestic partner.

Jim plans to increase his 401(k) election in 2013 to defer the amount they are saving in premiums to his retirement account.

Jim is comfortable with the decisions they have made for 2013, because he knows they can reassess their coverage and make changes, if necessary, during next year’s annual enrollment.

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Kathy, 58, married, no other eligible dependents: Thinking about retirement Kathy and her husband have worked hard and are considering retiring within a few years. Her husband was diagnosed with type 2 diabetes two years ago.

What is Kathy considering for 2013?Kathy is currently enrolled in bmO’s ppO plan and her husband is listed as her dependent. Her husband’s employer announced that there will be enhancements to the medical coverage it offers for 2013. Kathy and her husband decide that it’s time to evaluate their medical coverage options for 2013 by comparing these options’ plan designs, premiums and network providers, as well as their future bmO Retiree medical program eligibility.

They break down their options as follows:

Option 1 – Kathy and her husband can continue to be covered under bmO’s ppO plan. Kathy’s husband is eligible for coverage at another employer, so the Spouse Opt-in Charge of $75 per month will apply in addition to the cost of the premiums. When analyzing plan designs, they find bmO’s plan offers a lower deductible and lower out-of-pocket maximums.

Option 2 – if Kathy and her husband enroll in “employee-only” coverage through their own employers, they will reduce their total premiums.

Option 3 – Kathy and her husband can enroll in the coverage through his employer and waive their bmO coverage. For most services, her husband’s plan offers comparable coverage at slightly lower premiums without the Spouse Opt-in charge. When looking at the in-network providers under her husband’s plan, they realize some of their current doctors are not in-network, including the endocrinologist helping him manage his diabetes.

Coverage now and in the futureAfter thoroughly considering all factors, Kathy and her husband decide it’s best to stay with bmO’s coverage for 2013. Although they will have to pay the $75 Spouse Opt-in charge, they feel it’s more important to retain their eligibility for bmO’s Retiree medical program. At this stage in their lives, they also place more value on the ability to stay with their longtime doctors. in addition, Kathy is excited to find out that diabetes is one of the conditions covered under the new ActiveHealth informed care management program included with her ppO coverage through bmO.

Now that they have made their medical plan choice for 2013, they also decide to contribute $2,000 on a pretax basis to the Health Care Spending Account to cover their anticipated prescription drug and out-of-pocket medical expenses for the year.

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Jasmine, 45, with teens: Choosing up With a teenage son and daughter, Jasmine faces all the household expenses of a growing and active family.

Jasmine may need more benefits coverage in 2013Jasmine is taking stock of her current coverage and her needs for 2013. Her family has medical coverage through bmO, but her kids are not on her dental plan. She suspects that both kids need braces, so she decides to explore her dental options.

At first glance, the Aetna Dental maintenance Organization (DmO) seems like the obvious choice – it has lower premiums and higher orthodontia coverage levels than the Delta Dental plan. However, the closest provider in the DmO network is 30 minutes away, which is an issue due to Jasmine’s full-time work schedule and the frequency of orthodontist appointments. There are multiple Delta Dental providers closer to her home. So, she decides on the Delta Dental plan.

Jasmine now needs to decide which provider to choose. She reaches out to LifeWorks for a referral to one of the providers within the Delta Dental network.

What if something happens to Jasmine?Since Jasmine is a single parent, her family relies on her income. How would they manage if she became unable to work for a period of time or had a serious accident? She has 60% income replacement coverage that is already provided to her automatically by bmO under the basic Long Term Disability plan, but she would feel more comfortable with more coverage. So, she decides to enroll in the Supplemental Long Term Disability plan, which offers an additional 15% of protection— that is, a total of 75% income replacement under the LTD plans.

Jasmine also needs an adequate amount of life insurance. What would it cost to replace her income, cover the mortgage and help the kids with college if something happens to her? She decides to elect two times her annual base salary through the Supplemental Life insurance plan, in addition to the basic Life insurance coverage already provided to her by bmO.

With her new elections of supplemental coverage for LTD and life insurance, she knows she will need to provide evidence of insurability/proof of good health to complete her enrollment in the plans.

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Andrew, 31, expectant dad: Starting a familyNewlywed Andrew has just learned that his wife is expecting - great news, but now it’s time to think about the future.

What to do now — what to do in the springAndrew enrolled his wife on his bmO coverage when they were married, so he is all set with his medical, dental and vision coverage – for now. With a baby due next spring, though, he is concerned about ensuring he has the right mix of coverage next year to meet the needs of a growing family. He figures out the changes he needs to make now as part of annual enrollment and the changes he will need to make when his child is born. He reviews the Life events chart on www.myaccessbenefits.com and determines he will be able to add his new baby to his coverage within 31 days of the birth. The only election he decides to make right now is to enroll in the Health Care Spending Account. To estimate his out-of-pocket costs for his child’s birth, Andrew refers to the Summary of benefits and Coverage (SbC) that bmO provided him for the plan he is enrolled in. He decides to contribute the maximum of $2,500 to the Health Care Spending Account for 2013. While he’s enrolling online, Andrew realizes he hasn’t updated his beneficiaries since he got married. He goes ahead and updates his beneficiary designations to add his spouse for life insurance and makes a note reminding himself to update his designations again once the baby arrives. He also checks to make sure his retirement plan beneficiaries are up-to-date.

In the meantimeAndrew logs onto the LifeWorks site to order a “New and expectant parent Kit.” Andrew’s wife also works, so he expects he will need day care for his baby. Andrew contacts LifeWorks and requests information on the day care options in his area. in reviewing his benefits information, he discovers that he can contribute up to $5,000 on a pretax basis to the Dependent Day Care Spending Account for 2013, an option he definitely wants.Once the baby arrives, Andrew knows he will need to log a life event within 31 days to add the baby to his coverage, make his Dependent Day Care Spending Account election and update his beneficiaries. He can also increase his Supplemental Life, Family Life and Supplemental Long Term Disability coverage, if he chooses to, as a result of the birth.becoming a first-time father is nerve-wracking enough, so Andrew appreciates all the resources offered by bmO to guide him through this major life event.

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https://www.lifeworks.com

https://www.lifeworks.com


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madison, 26, single: beginning her careerMadison recently graduated from college and is moving onto the next phase in her life.

Making her own choicesmadison has always been covered by her parents’ insurance and hasn’t had to make her own choices on the coverage that is best for her … until now. She isn’t well-versed on all of her available benefit options through bmO, so she reviews the information on www.myaccessbenefits.com and knows she can call the Human Resources Center if she needs additional guidance along the way.

She is particularly interested in bmO’s vision plan. She wears glasses and contacts and now needs to pay for those on her own. She has always wanted to have laser vision correction surgery and discovers that the vision plan offers discounts on this procedure.

madison also needs medical and dental insurance. She considers premiums, out-of-pocket costs, exposure to risk, provider networks and other factors – things she had never had to think about before.

Putting it all togethermadison is starting to put all the pieces together for how to make her benefits coverage work best for her. She decides to enroll in the vision plan and has received a vision correction surgery estimate so she can put this amount into a Health Care Spending Account on a pretax basis. She also will be able to enjoy the convenience of paying for her surgery up front by using her Your Spending Account (YSA) debit card, which is directly linked to her Health Care Spending Account.

Since she is on a budget, madison considers the lower premiums of the High Deductible Health plan (HDHp) but ultimately decides to enroll in the ppO option, since she can’t assume the short-term risk of a large claim under the HDHp. She finds a DmO dentist within walking distance from her apartment so, for her dental coverage, she can take advantage of the lower premiums of the Aetna DmO plan

madison is confident in the decisions she made on her own and feels ready for whatever 2013 brings her way!

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What's new in 2013?





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Health care reform


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Benefacts


Step 2: Choose well

The Big Picture

medical

Dental

Vision

Health Savings Account (HSA)

Health Care Spending Account

Dependent Day Care Spending Account

Supplemental Long Term Disability

Supplemental Life insurance

Family Life insurance

Accidental Death & Dismem- berment (AD&D)

bmO provides a wide range of benefits to help you plan and respond to different events in your life. When you take the time to understand your benefit options and choose well, you are making an investment in your well-being. The better you choose and use your benefits, the healthier you can be – both physically and financially.

Click on the buttons to learn more about your benefits.





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Step 2: Choose well

MedicalYour 2013 medical plan options include a ppO plan, an HDHp and HmOs (where available). To choose the medical plan option that’s right for you and your family:

•Accessthe2013 Medical Plan Options chart and “Summary of benefits and Coverage.”

•Reviewthe2013 medical premiums.

•Evaluateallyourmedicalplanoptions,includingcoveragethroughyourspouse/domesticpartner,ifavailable.

•Locatenetworkprovidersforyourplanoption.

•Considerwhetherthemedicalplanchoiceyoumakefor2013willhaveimplicationsonyourfutureRetireeMedicaleligibility.

Dental

Your 2013 dental plan options include the Delta Dental ppO and the Aetna DmO.

if you choose the Delta Dental ppO, you have the freedom to choose any dentist and still receive benefits, and you can save money by choosing a network dentist. To locate a network dentist near you, call 1-800-323-1743 or vist www.deltadentalil.com.

if you choose the Aetna DmO, in most cases, you must receive care from a DmO dentist to receive benefits. To locate a network dentist near you, call Aetna at 1-877-238-6200 or visit www.aetna.com.

Vision

Your 2013 vision plan option is VSp. With VSp, you can use any provider you wish, but you generally pay less if you use a network provider, because services are covered at a higher level. For the most up-to-date list of VSp providers in your area, visit www.vsp.com or call 1-800-877-7195.

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http://myaccessbenefits.com/HealthCare/Dental.aspx

http://www.deltadental.com

http://www.aetna.com

http://myaccessbenefits.com/HealthCare/Vision.aspx

http://www.vsp.com

http://myaccessbenefits.com/documents/http://www.myaccessbenefits.com/documents/2013benefitsataglance.pdf

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Step 2: Choose well

Health Savings Account (HSA)if you elect the High Deductible Health plan (HDHp) for 2013, you will have the option to enroll in the HSA, administered by Your Spending Account (YSA). On a pretax basis, you can contribute up to:

•$3,250foremployee-onlycoverage •$6,450forallothercoveragelevelsYour HSA election for 2012 will not automatically continue for 2013. Re-enrollment is required each year to continue participation.

Health Care Spending AccountFor 2013, you will have the option to enroll in the Health Care Spending Account administered by YSA. On a pretax basis, you can contribute up to $2,500.

important reminders:

•Evaluateyouranticipatedhealthcareexpensesfor2013.Unusedfundswillbeforfeited. •IfyouwillbecontributingtoaHealthSavingsAccount(HSA)for2013,youneedtochoosetheLimitedHealthCareFSAduringonline

enrollment, which will reimburse your eligible dental and vision expenses only. medical expenses can be reimbursed through your HSA. Your Health Care Spending Account election for 2012 will not automatically continue for 2013. Re-enrollment is required each year to continue participation.

Dependent Day Care Spending AccountFor 2013, you will have the option to enroll in the Dependent Day Care Spending Account administered by YSA. On a pretax basis, you can contribute up to $5,000.

important reminders:

•Evaluateyouranticipateddependentdaycareexpensesfor2013.Unusedfundswillbeforfeited. •YourDependentDayCareSpendingAccountelectionfor2012willnotautomaticallycontinuefor2013.Re-enrollmentisrequiredeach

year to continue participation

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Step 2: Choose well

Supplemental Long Term Disability*

You can elect an additional 15% of Long Term Disability (LTD) coverage by participating in the Supplemental LTD plan. You will receive a total of 75% of income replacement coverage when your supplemental coverage is combined with the 60% of basic LTD coverage that bmO already provides.

Supplemental Life Insurance*

You can elect coverage of one to five times your annual base pay (maximum coverage is $1 million) by enrolling in the Supplemental Life Insurance plan. Special coverage calculation rules may apply to commissioned employees.

Family Life Insurance*

•Youmayelectcoverageforyourspouse/domesticpartner:$12,000,$24,000or$36,000.

•Youmayelectcoverageforyourchildren:$3,000,$6,000or$9,000foreachchild.

Accidental Death & Dismemberment (AD&D)

You may elect coverage for yourself:

•Minimumcoverage:$10,000

•Maximumcoverage:$1million

You may elect coverage for your family:

•Upto$600,000foryourspouse/domesticpartner

•Upto$200,000foreachchildwhenyoupurchasefamilycoverage

* if you did not enroll in the Supplemental LTD benefits or Supplemental Life when you were first eligible, or if you wish to increase your coverage, you may be required to provide evidence of insurability (proof of good health), subject to underwriting approval.

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Benefacts





http://myaccessbenefits.com/IncomeProtection/Disability.aspx

http://myaccessbenefits.com/IncomeProtection/LifeAccident.aspx





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enroll online from October 29 through November 16, 2012 •Athomeoratwork,goto

www.myaccessbenefits.com and click the “enroll Now” button.

•LoginusingyourEnterpriseID,password and your latest hire/rehire date.

•Choose“MyBenefits”fromthe eeS menu to access the benefits enrollment site.

•Youcancontiuetomakechanges to your elections until the annual enrollment window closes. Remember to save your elections each time you log in to the enrollment site.

For assistance with your enrollment, contact the Human Resources Center (HRC) at 1-800-544-0658.

Step 3: enroll

Annual Benefits Enrollment takes place from October 29 to November 16, 2012.

2013 enrollment checklisto REVIEW your options and see what’s available for 2013.

go to myaccessbenefits.com for details.

o CONSIDER your needs and those of your family.

Think about the types of medical, dental and vision care you and your family members will need next year. Also consider whether your needs have changed for life and disability insurance.

o CHECK to be sure your dependents are eligible for coverage.

Review the eligibility requirements for spouses, same-sex or opposite-sex domestic partners, and children. Note that the requirements vary by plan carrier and by state. if you have dependents currently enrolled who are no longer eligible, please remove them from your coverage.

o CALCULATE your best value for medical coverage.

Use 2013 Medical Plan Options chart and the 2013 Premiums chart to compare your total plan costs.

o VERIFY your Spouse Opt-In election.

Your 2012 Spouse Opt-in election will continue for 2013, unless you make a change online during annual enrollment.

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Step 3: enrollo Enroll in the Health Care and/or Dependent Care Spending Accounts.

Spending account elections do not automatically renew each year.

o REVIEW your beneficiary information.

Update the details, as required.

o Enroll between October 29 and November 16, 2012.

Save your elections each time you log in to the enrollment site. You can continue to make changes to your elections until the enrollment window closes. if you do not have new elections saved in the system when annual enrollment closes on November 16, you may not have the coverage you intended for 2013.

o CONFIRM and follow up.

Soon after annual enrollment ends, you will receive an email notifying you that your confirmation statement is available. Check your confirmation statement carefully to make sure it’s accurate and complete. if you enrolled for new or increased life insurance or long term disability (LTD), complete any evidence of insurability (proof of good health) forms from the insurance carrier and return them within 30 days.

o WATCH the mail for your new benefit ID cards.

Depending upon the changes you make during annual enrollment or the plans you are enrolled in, you may receive new iD cards. if applicable, you will receive the cards in late December so you can start using them on January 1, 2013, when your elections take effect.

What's new in 2013?





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enroll online from October 29 through November 16, 2012 •Athomeoratwork,goto

www.myaccessbenefits.com and click the “enroll Now” button.

•LoginusingyourEnterpriseID,password and your latest hire/rehire date.

•Choose“MyBenefits”fromthe eeS menu to access the benefits enrollment site.

•Youcancontiuetomakechanges to your elections until the annual enrollment window closes. Remember to save your elections each time you log in to the enrollment site.

For assistance with your enrollment, contact the Human Resources Center (HRC) at 1-800-544-0658.






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Attention Health Care Spending Account and Health Savings Account (HSA) participants!if you currently participate in the Health Care Spending Account or HSA and enroll for 2013, keep your YSA debit card. it will be reloaded automatically.

Step 4: Use wellThe choices you make throughout the year are just as important as the choices you make during annual enrollment. When it comes time to use the coverage you have chosen for 2013, there are a number of things to consider:o Know your plans.

Knowing the details of your medical, dental and vision plans, such as how office visits and other services will be covered and which providers are in-network, can help you get the most value from your plan and save money.

o Choose generics.generic prescription drugs are as effective as name brands but cost less.

o Use a mail-order service for maintenance prescription drugs.it’s convenient and, in many cases, offers additional savings.

o Make the most of your tax-advantaged accounts.Use your Health Savings Account (HSA), Health Care Spending Account and/or Dependent Day Care Spending Account to pay for eligible expenses with the pretax dollars that you have set aside. You can use your YSA card as a convenient way to pay from your HSA and Health Care Spending Account. Remember to keep your receipts. You may need them to substantiate your claims.

o Take advantage of EAP/LifeWorks.Check out the wide array of resources available to you through the employee Assistance program (eAp). Call LifeWorks at 1-800-757-0327, or visit www.lifeworks.com. (User iD: bmofg; password: sunflower).

o Don’t forget to save for retirement.Contribute at least 5% to your 401(k) to take full advantage of bmO’s dollar-for-dollar match.

o Watch for your chance to enroll in the ESPP.each quarter, you can enroll in, or make changes to, your employee Share purchase plan (eSpp) election. The eSpp allows you to invest in bmO shares at a discount.

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https://www.lifeworks.com/login/index.aspx?ReturnUrl=%2findex.aspx


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Don’t miss thisVacation time – new for 2013We’re making enhancements to vacation time for employees at grade level 1.

Starting January 1, 2013, total annual vacation hours will increase from 96 hours to 136 hours per year for full-time employees with less than 5 years’ service. As before, if you are a part-time employee, the 136 annual vacation hours are pro-rated.

We’re also making changes to how vacation time is accrued.

For new hires, we’ve removed the 3-month waiting period so that you start earning vacation on day one (accrual starts right away). if you change roles during the year, and it results in a promotion to a new grade level with more vacation hours, you will receive the total annual vacation hours at the new grade for the full year (it won’t be pro-rated). if you retire from bmO or leave the bank, your vacation will be pro-rated for time worked during the year.

Stay tuned for full details when our vacation information is refreshed online in January.

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Don’t miss thisKeeping you informed about Health Care ReformThe Patient Protection and Affordable Care Act (also known as Health Care Reform) was enacted in 2010, and many of the provisions will go into effect over the next several years. As Health Care Reform progresses, we will continue to keep you informed about how the changes will affect you and your family. Here are the major changes for 2013 that you can expect as a result of Health Care Reform:

o Health Care Spending Account contributions will be limited to $2,500 annually.

o Additional women’s health services will be covered at 100%.

Health Care Reform will require health plans to provide 100% coverage for the following women’s preventive care services:

•FDA-approvedcontraceptionmethodsandcontraceptivecounseling

•Breastfeedingsupport,suppliesandcounseling

•Gestationaldiabetesscreening

•HPVDNAtesting

•Sexuallytransmittedinfectioncounseling

•HIVscreeningandcounseling

•Domesticviolencescreeningandcounseling

o Your W-2 form will include the cost of your health care.

Your 2012 W-2 form, which you will receive in January 2013, will report the cost of your health coverage. Reporting the cost of health care coverage does not mean the coverage is taxable income. it is only intended to provide you withuseful, comparable values for the cost of your coverage.

o You will receive a Summary of benefits and Coverage (SbC) and Uniform glossary each year.

employers are required to provide plan participants with an annual Summary of benefits Coverage (SbC) and Uniform glossary, enabling you to compare the plan design of all of your available health options in a standard format. SbCs include information about services the plan covers, the costs and examples to illustrate how common medical events will be covered by the plan. SbCs for bmO’s medical plan options can be found online.

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http://www.myaccessbenefits.com/HealthCare/sbc.aspx


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Benefits ata Glance

Contacts

Did you know that you can personalize your LifeWorks account?

if you already have a personalized account, your account will transition to the new site. You may be asked to change the user iD for your personalized login, if a duplicate user iD exists.Contact LifeWorks by phone at 1-800-757-0327 or TTY: 1-877-616-4422.

Don’t miss thisOur LifeWorks.com site is being redesigned. Look for better search capabilities, improved site organization and better integration with programs and services offered. As with all services available through LifeWorks, the site is confidential.

Starting December 3, 2012 with the introduction of the enhanced site, the LifeWorks user iD and password is changing as follows:

user ID = bmous

password = lifeworks

Jot them down, and place them somewhere where you’ll always have them handy.

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http://www.lifeworks.com



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Benefits ata Glance

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Other Legal NoticesOther Legal Notices

Additional required legal notices are available online, including:

•COBRA

•Creditable Coverage Notice

•HIPAA Notice of Privacy Practices

•Medicaid and Children’s Health Insurance Program (CHIP)

•Michelle’s Law

•Notice of Special Enrollment Rights

•Women’s Health and Cancer Rights Act

if you would like printed copies of the notices or have any questions, please contact the Human Resources Center at 1-800-544-0658.

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http://myaccessbenefits.com/documents/HarrisCOBRANotice.pdf

http://myaccessbenefits.com/documents/CreditableCoverageNoticeActive_2012.pdf

http://myaccessbenefits.com/documents/HIPAAPrivacyPractices.pdf

http://myaccessbenefits.com/documents/Medicaid and Children's Health Insurance Program - CHIP.pdf

http://www.myaccessbenefits.com/documents/Michelle's Law.pdf

http://www.myaccessbenefits.com/documents/Notice of Special Enrollment Rights.pdf

http://www.myaccessbenefits.com/documents/Womens Health and Cancer Rights Act.pdf


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A Final NoteThis enrollment information provides highlights of the company’s benefit plans. While every effort was made to ensure its accuracy, it does not provide every plan detail, limit or exclusion. The plan documents, which govern these plans, provide full details. The company reserves the right to modify, amend, replace or discontinue any benefit or plan at any time for any reason. if there are any discrepancies between this enrollment guide and the plan documents, the plan documents shall rule.

Neither the plan nor the company ensures quality of care. participants always have the choice of what services they receive and who provides their health care regardless of what the plan covers/pays. The managed care vendor selects its network providers. if a provider drops out of the network, a participant is not permitted to change plans.

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Health care reform


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Documents

Choose well. Benefacts