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More than ever, pets play such a huge role in our lives. We want to do everything to keep them safe and healthy. Help make sure your furry family members are protected against unplanned vet expenses for covered accidents or illnesses with MetLife Pet Insurance.1Visits to the vet can be unpredictable and expensive. Pet parents spend over $31.4 billion on vet care annually.224% of pet parents have gone into credit card or personal loan debt as a result.3A small monthly payment can help you prepare for those unexpected vet expenses down the road.Help protect your pet from costly vet bills To enroll in these benefits, visit www.metlife.com/getpetquote or call 1-800-GET-MET8.Why MetLifePet Insurance?”How it works:Bella, a two-year-old mixed breed dog, needed emergency surgery after swallowing some small rocks. Bella pulled through, but not until incurring an emergency vet bill of $2,560. Since I had MetLife Pet Insurance, I was reimbursed for 90% of the bill once the deductible was met. Thanks to my smart decision to enroll, I saved $2,304 in out-of-pocket vet expenses.5“Pet InsuranceEmergency vet bill $2,560$2,304Insurance reimbursement amount$256 My out-of-pocket costs”Hypothetical savings example when visiting a licensed veterinarian, specialist or emergency clinic in the U.S.MetLife Pet mobile app to submit and track claims and manage your pet’s health and wellnessFlexible coverage with up to 100% reimbursement4Optional Preventive Care coverage624/7 access to Telehealth Concierge ServicesDiscounts and offers on pet care7Coverage of pre-existing conditions when switching providers16If she never leaves your side,she deserves to be insured.
Pet InsuranceKnow what your plan covers… MetLife Pet Insurance1helps cover the costs of vet visits, accidents, illness and more. Get regular check-ups to help protect your petBe better prepared for unexpected accidentsHelp cover the costs of unplanned illnessYour benefit in action Take advantage of how simple it is to get – and use – MetLife Pet Insurance1:Select and enroll in the coverage that’s right for you and your pet and download our mobile app.Take your pet to the vet and pay the bill; manage your pet’s health and wellness using the app.Send the bill and your claim to us and receive reimbursement4 by check or direct deposit if the claim expense is covered under the policy.To enroll in these benefits, visit www.metlife.com/getpetquote or call 1-800-GET-MET8.
MetLife Pet Insurance1can help take the worry out of covering the cost of unexpected pet care.Hypothetical savings example when visiting a licensed veterinarian, specialist or emergency clinic in the U.S. 5Product overviewPet Insurance can help reimburse you for covered vet visits, accidents, illness and more. Plus, it can help keep your pet safe and healthy with preventive care like X-rays and ultrasounds.Why needed• Pet parents are spending more than $4,500 annually on pet care12• A small monthly payment can help plan for these expenses• Pet Insurance may not cover pre-existing conditions, so now is the time to insure your furryfamily membersFlexiblecoverageChoose the plan that works for you and your pet. Options include:• Levels of coverage from $500–unlimited13• $0–$2,500 deductible options14• Reimbursement percentages from 50%–100%4What is Covered15• accidental injuries• illnesses• exam fees• surgeries• medications• ultrasounds• hospital stays• X-rays and diagnostic testsCoverage15also includes• hip dysplasia• hereditary conditions• congenital conditions• chronic conditions• alternative therapies• holistic care• and much moreAdditional value• Take your pet to any licensed veterinarian, specialist or emergency clinic in the U.S.• If you’re claim-free in a policy year, we’ll automatically decrease your deductibleby $25 or $50.11• Group discounts are available.10Claim Details AmountTotal vet bill (including exam, bloodwork, X-rays, and hospitalization) $1,278.00Insurance reimbursement4 percentage90%Out-of-pocket cost (including $100 deductible) $227.80Savings$1,050.20Pet InsuranceTo enroll in these benefits, visit www.metlife.com/getpetquote or call 1-800-GET-MET8.
Pet InsuranceQ. What is Pet Insurance?A. Similar to health insurance for you andyour family, Pet Insurance is coverage fordogs and cats that can help you beprepared for unexpected vet costs. WithMetLife Pet Insurance,1you may be able toreceive reimbursement up to 100%4ofcovered veterinary care expenses.Q. Can I still use my vet?A. Yes, you can visit any licensedveterinarian or emergency clinic in the U.S., and you and your vet of choice candetermine the best treatment plan andmedical course of action for your pet.Q. What does it not cover?A. Pre-existing conditions may not be covered — to learn more aboutwhat’s not covered, visitmetlifepetinsurance.com/coverage-exclusions.Q. When does coverage start?A. MetLife Pet Insurance1provides amongthe shortest wait periods for accidentand illness coverage.8Accident coverage and optional Preventive Care coveragebegin on the effective date of your policy.Illness coverage begins 14 days later.Frequently Asked Questions1. Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, inthose states where MetGen’s policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York andMinnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.2. American Pet Products Association (APPA) State of the Industry as presented on 3/24/21 (https://www.americanpetproducts.org/press_industrytrends.asp).3. According to the 2019–2020 National Pet Owners Survey conducted by the APPA.4. Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% option for IAIC underwritten policies only.5. This is an example and is for illustrative purposes only. This is not representative of any particular pet parents' situation.6. Can be purchased at an additional cost. For IAIC underwritten policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen underwritten policies, optionalPreventive Care coverage is included in the annual limit.7. May not be available in all states.8. Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors, based on a January 2022 review of publicly available summary information about competitors' offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.9. For IAIC underwritten policies only, premium will also be based upon the pet’s gender.10. This discount is not available in MN or TN. This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife to offer pet insurance to its population. (For IAIC underwritten policies, the discount is 10% for Groups > 1000 lives and 5% for Groups 51−999 lives. For MetGen underwritten policies, this discount is 10% for EmployerGroups of all sizes and 5% for Associations of all sizes).11. Your pet’s deductible automatically decreases by $25 (for IAIC underwritten policies) or $50 (for MetGen underwritten policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.12. 2021 internal survey conducted by OnePoll in partnership with MetLife Pet Insurance.13. Annual limit options range from $1,000−$25,000 in $1,000 increments. In addition, there is also a $500 annual limit option for MetGen underwritten policies. Unlimited benefit option subject to availability. 14. Deductible options range include: $0−$750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.15. Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certaindeductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approvedstates, please contact MetLife Pet Insurance Solutions LLC.Q. How much will it cost?A. Each pet’s premium will be uniquebased on the age, breed, location,as well as what coverage amountyou select.9Group discounts areavailable,10and if you go claim-free ina policy year, we’ll automatically decrease your deductible by$25 or $50.11Q. How does the MetLife Pet mobileapp work?A. With our MetLife pet mobile app,you can manage your Pet Insuranceaccount from anywhere.Plus, we make it easy to:• Submit and track claims• Manage your pet’s health records• Talk to an expert with 24/7Telehealth Concierge Services• Find nearby pet servicesHave other questions?Please call MetLife directly at 1-800-GET-MET81-800-438-6388and speak with a licensed agent.Watch this video to see the benefits of Pet Insurance.L0822024732exp0824All StatesDC© 2022 MetLife Services and Solutions, LLC, New York, NY 10166 — All Rights Reserved.To enroll in these benefits, visit www.metlife.com/getpetquote or call 1-800-GET-MET8.
Health Care Flexible Spending Account (FSA)Save money on health care expenses for you and your family.A Health Care Flexible Spending Account (FSA) saves you up to hundreds of dollars by allowing you to use pre-tax dollars to pay for qualied health care expenses for you, your spouse and your dependents. 9 Fund Your Account - You decide how much to contribute duringenrollment, then funds are deducted pre-tax from your paychecks. 9Use Your Account for Eligible Expenses - There are thousands ofeligible expenses for your FSA funds, including doctor office copays, health insurance deductibles and coinsurance, prescriptions, and some over-the-counter treatments for you, your spouse, or eligible dependents. For a longer list of eligible items, visit connectyourcare.com. 9Pay with Your Payment Card - You will receive a payment card to pay foreligible health care expenses. Be sure to always save documentation for your purchases. 9Connect Online and on the Mobile App - When you do not use yourcard, you can quickly and easily submit payment requests online or on our mobile app. Check your account balance and payments online or on your mobile device. 9We’re Here to Help - If you ever have a question, we are here to help you24 hours a day, seven days a week.Your FSA includes numerous benets:• Tax savings for health careexpenses• Health care payment card• Quick and easy payments• Online and mobile account access• 24/7 customer serviceEasy to Use, Simple to Save© 2021 Optum, Inc. All Rights Reserved.How do HSAs and FSAs work together?IRS regulations limit how health care accounts can be paired. If you have a Health Savings Account (HSA), you cannot also have a Health Care FSA that covers medical expenses. However, you may have a Limited Purpose FSA that only covers dental and vision expenses. The IRS Limit for 2024 is $3,200.Up to $640 in unused funds in 2024 may be rolled over to 2025.
There are thousands of eligible expenses for tax-free purchase with your account funds, including prescriptions, doctor’s office copays, health insurance deductibles, and coinsurance. Many over-the-counter (OTC) treatments are also eligible.AcupunctureAlcoholism treatmentAmbulanceArticial limbBirth control pillsBlood pressure monitoring deviceBreast pumps and related suppliesConcierge service fees (billed for future services; no treatment provided)Cosmetics and cosmetic surgeryDeodorantDietary and weight loss supplementsFiber supplementsOrthopedic shoes and insertsChiropractic careContact lenses and related materialsDental treatmentDenturesDiagnostic servicesDrug addiction treatmentEye examination, eye glasses, and reading glassesFamily planning itemsFertility treatmentFlu shotHearing aidsHospital servicesImmunizationInsulin and diabetic suppliesLaboratory feesLaser eye surgeryMedical testing devicesMenstrual care productsNursing servicesObstetrical expensesOrthodontia (not for cosmetic reasons)Over-the-counter (OTC) treatments containing medicine–cold treatments, ointments, pain relievers, stomach remedies, etc.Over-the-counter (OTC) treatments without medicine–bandages, wraps, medical testing devices, etc.OxygenPhysical examPhysical therapyPrescription drugsPsychiatric careSmoking cessation program and medicationsSurgerySunscreen & sun block (SPF 15+, broad spectrum)Transportation for medical careWeight loss program necessary to treat a specic medical conditionWheelchair, walkers, crutches, and canesExercise equipmentFitness programsFuneral expensesHair transplantsHousehold helpIllegal operations and treatmentsMaternity clothesTeeth whiteningThese items are not generally eligible for tax-free purchase with your account funds.Items that can be used for a medical purpose or for general health and well-being are considered “dual purpose” and are eligible only with a prescription, doctor’s directive or letter of medical necessity. Examples include:Snoring cessation aidsVitamins and herbal supplements(FLEXIBLE SPENDING ACCOUNT)For more information visit optum/financial.comThis material is for informational purposes only and is not an offer of coverage. Optum Financial does not provide tax or legal advice. This information is not intended and should not be taken as tax or legal advice. Any tax or legal information in this notice is merely a summary of Optum Financial's understanding and interpretation of some of the current tax regulations and is not exhaustive, nor is it a representation of actual savings to be had by your plan specifically. You should consult your tax advisor or legal counsel for advice and information concerning your particular situation before making any decisions. © 2021 Optum, Inc. All Rights Reserved.DUAL PURPOSE ITEMSELIGIBLE EXPENSE EXAMPLESINELIGIBLE EXPENSE EXAMPLES
Dependent Care Flexible Spending Account Don’t pay full price for child care - get the tax-free rate. For many people, the cost of day care, nursery school, or supervision for an aging parent is a significant monthly expense. A Dependent Care Flexible Spending Account (Dependent Care FSA), also called a Dependent Care Assistance Program (DCAP), allows you to save money by paying for these expenses with pre-tax funds. 9 Fund Your Account - You decide how much to contribute duringenrollment, then funds are deducted pre-tax from your paychecks. 9Use Your Account for Eligible Expenses - Your account funds coverthe cost of care for qualifying dependents – children, a disabled spouse, or legally dependent parents – while you are at work. For example, summer camp, nursery school, and care provided by a private sitter care while you work are all eligible expenses. Be sure to always save documentation for your expenses. For a longer list of eligible items, see connectyourcare.com. 9Connect Online and on the Mobile App - Quickly and easily submitpayment requests, check your account balance, and review your payments online or on our mobile app. 9We’re Here to Help - If you ever have a question, we are here to helpyou 24 hours a day, seven days a week.How do Dependent Care FSAs work with other tax-advantaged accounts?Since a Dependent Care FSA covers different expenses than a Health Care FSA and a Health Savings Account (HSA), which cover medical expenses, there are no regulations limiting a person from having a medical account alongside a Dependent Care FSA.Your Dependent Care FSA includes numerous benets:• Tax savings on child and elder careexpenses while you work• Quick and easy payments• Online and mobile account access• 24/7 customer serviceEasy to Use, Simple to Save© 2021 Optum, Inc. All rights reserved.The IRS maximum is $5,000 per household for the year 2024.
A health savings account (HSA) allows you to save money for qualified medical expenses that you’re expecting, such as contact lenses or monthly prescriptions, as well as unexpected ones — for this year and the future. Why have an HSA?You own itThe money is yours until you spend it, even deposits made by others, such as an employer or family member. You keep it, even if you change jobs, health plans or retire.Tax savingsHSAs help you plan, save and pay for health care, all while saving on taxes.• The money you deposit is federal income tax-free.• Savings grow income tax-free.• Withdrawals for qualified medical expenses are also income tax-free.It’s not just for doctor visitsOnce you’ve contributed to your account, you can use the funds in your HSA to pay for qualified medical expenses such as:• Dental care, including extractions and braces• Vision care, including contact lenses, prescription sunglasses and LASIK surgery• Prescription medications• Chiropractic services• AcupunctureSave for the futureYour HSA rolls over from year to year, so you can continue to grow your savings and use it in the future - even into retirement.Introduction to Health Savings AccountsContribution limitsThere are contribution limits, set by the Internal Revenue Service (IRS) and adjusted annually.These limits are:• $4,150 for individual coverage in 2024• $8,300 for family coverage in 2024• $1,000 extra if you’re 55 or older,also known as catch-up contributions
Who can open an HSA?To be an eligible individual and qualify for an HSA, you must have a high-deductible health plan (HDHP) that meets IRS guidelines for the annual deductible and out-of-pocket maximum.In addition, you must:• Be covered under a qualifying HDHP on the first day of a given month.• Not be covered by any other health coverage except what is permitted(dental, vision, disability and some other types of additional coverageare permissible).• Not be enrolled in Medicare, TRICARE or TRICARE for Life.• Have not received Department of Veterans Affairs (VA) benefits within thepast three months, except for preventive care. If you are a veteran with adisability rating from the VA, this exclusion does not apply.• Not be claimed as a dependent on someone else’s tax return.• Not have a health care flexible spending account (FSA) or healthreimbursement account (HRA). Alternative plan designs, such as a limited-purpose FSA or HRA, might be permitted.Other restrictions and exceptions also apply. Consult a tax, legal or financial advisor to discuss your personal circumstances.Open your accountCheck with your employer or benefits specialist to learn about your company’s application process. You may be able to sign up through your employer or enroll at optumbank.com or through myuhc.com®. You cannot use your HSA to pay for medical expenses you had before you opened your account — so be sure to open your HSA as soon as you are eligible.And be sure to save your receipts! For a full list of qualified medical expenses, visit optumbank.com/qualifiedexpenses.Have questions?Visit optumbank.com or download the mobile app.Intro to HSAsHealth savings accounts (HSAs) are individual accounts offered or administered by Optum Bank®, Member FDIC, and are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account. This communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.© 2018 Optum, Inc. All rights reserved. WF272686 67550B-062018Contributions add up quickly.When Marcus started his new job, he decided to open an HSA and contribute $100 per month. Because he hasn’t had many medical expenses, he decided not to touch the balance during his first year. Here’s how his contributions added up:Monthly contribution: $100Annual contribution: $1,200Annual income tax savings1: $4521 25% federal | 5% state | 7.65% FICAUse the HSA Calculator on optumbank.com to help determine your contributions and see how much you can save on taxes.Open your HSA today.Enjoy an easier way to manage your health savings account. You can pay bills, view transactions, upload receipts and more! Download today on your Apple or Android device. The Optum Bank App is here!
optumbank.comHSAs and MedicareMedicare and HSA eligibilityMany individuals are confused at the intersection of health savings accounts (HSAs) and Medicare. Two different federal agencies have primary responsibility for these programs — the Department of Health and Human Services, for Medicare, and the Department of the Treasury, for HSAs. Each agency issues rules related to its products without consideration of the interaction with the other product, leaving Americans confused. This paper is designed to help you navigate this confusion so that you remain in compliance with HSA rules.1. Do I lose my HSA eligibility at age 65?No. You can open and contribute to an HSA at age 65 or lateras long as you meet HSA eligibility requirements, which are:• You’re covered on an HSA-qualified medical plan.• You’re not someone’s tax dependent.• You don’t have any conflicting coverage (including enrollmentin Medicare).Turning age 65 does not, in and of itself, preclude you from remaining HSA-eligible absent any disqualifying coverage.2. Does enrollment in Medicare impact my HSAeligibility?Yes. Medicare doesn’t offer an HSA qualifying option. You can’tmake contributions to your HSA for any months after you enrollin any part of Medicare, even if you’re also covered on an HSAqualifying plan.3. Aren’t I automatically enrolled in Medicare Part A atage 65?No. You’re enrolled in Part A (inpatient services) automaticallyonly if you are age 65 or older and receiving Social Security orRailroad Retirement benefits. You’re enrolled in Part A and PartB (outpatient services like doctor visits, lab work and imaging)automatically if you’re collecting Social Security disability
HSAs and Medicarebenefits or are diagnosed with amyotrophic lateral sclerosis (ALS, or Lou Gehrig’s disease). Otherwise, you must sign up to receive coverage through Medicare.For more information on Medicare enrollment, please refer to Medicare & You (available online) or call the Social Security Administration customer service center at 1-800-772-1213. 4. If my spouse and I are enrolled on my employer’sHSA-qualified plan and I enroll in Medicare, can heopen an HSA?Yes, if your spouse is otherwise HSA-eligible. Individuals don’t have tobe the medical plan subscriber to be HSA-eligible. You or your spousecan then make tax-deductible contributions into his HSA, up to thefamily maximum if you remain covered on a family contract (even ifonly your spouse is HSA-eligible). For some couples, this provision inthe law allows them to continue to contribute to an HSA (and buildincome tax-free balances for distribution in retirement) for severalyears after the older spouse enrolls in Medicare.5. If I’m not HSA-eligible, can I enroll in my employer’s HSA-qualified plan?Yes. HSA eligibility refers to your ability to open and contribute toan HSA, not whether or not you can enroll in a medical plan. Aslong as you meet your employer’s and the medical insurer’s eligibilityrequirements, you can enroll in an HSA qualifying medical plan. Ifyou’re not HSA-eligible, though, you can’t open and contribute toan HSA. Your employer may offer a health flexible spending account(FSA) or health reimbursement arrangement (HRA) through whichyou can reimburse eligible expenses income tax-free.Medicare and HSA contributions6. Can I continue to contribute to my HSA once I’m enrolled inMedicare?No. You lose HSA eligibility once you enroll in Medicare, so you can’tmake additional contributions. You can contribute for months thatyou were eligible before you enrolled in Medicare. For example, ifyour 65th birthday is May 6 and you enroll in Medicare immediately,your effective date of Medicare coverage is May 1. You can makecontributions for the months of January, February, March and Aprilat any point up to the date that you file your personal income taxreturns for that year, even though you may not be HSA-eligible at thetime that you make your retroactive contribution for those months.7. Can I contribute to my spouse’s HSA if I’m enrolled inMedicare and no longer HSA-eligible?Yes, if your spouse is HSA-eligible and has an HSA, you — or anyoneelse — can contribute to her HSA. Your enrollment in Medicaredoesn’t disqualify her from contributing to (or accepting contributionfrom others into) her HSA. You can contribute personal funds, eitherthrough post-tax payroll (you can set up a payroll deduction to sendmoney directly to your spouse’s HSA) or with personal funds. Yourspouse then deducts these contributions on her (or if you’re filingjointly, your joint) personal income tax return.Medicare and HSA distributions8. I’m no longer HSA-eligible. Can I make income tax-freedistributions for qualified medical expenses?Yes. HSA eligibility relates to your ability to make contributions. Onceyou open an HSA, you can make income tax-free distributions forqualified medical expenses for the rest of your life, as long as you stillhave a balance in your account.9. Which expenses can I reimburse from my HSA once I’menrolled in Medicare?You can still reimburse, income tax-free, all qualified medical out-of-pocket expenses not reimbursed by other insurance or other sources,including:• Medical plan deductibles• Copay and coinsurance• Dental and vision expenses• Insulin and diabetic supplies• Over-the-counter drugs and medicine with a prescriptionIn addition, you can reimburse certain insurance premiums, including premiums for: • Medicare Parts B and D• Medicare Part C (Medicare Advantage — plans offered byprivate insurers that replace Medicare coverage)• Some Medicare supplement plans10. Whose qualified medical expenses can I reimburse incometax-free from my HSA?You can reimburse your own, your spouse’s and any tax dependents’(such as an adult disabled child’s) expenses income tax-free fromyour HSA. These other family members don’t need to be HSA-eligiblethemselves or covered on your medical plan for you to make incometax-free distributions from your HSA to reimburse their qualifiedmedical expenses tax-free. Note: You can’t reimburse your own oroptumbank.com 2
anyone else’s Medicare premiums income tax-free until you, the account owner, turn age 65. If you have an older spouse and want to reimburse their Medicare premiums income tax-free, they must open an HSA before they enroll in Medicare and contribute at least the $1,000 annual catch-up contribution. They can use this to cover their Medicare premiums until you turn age 65 and can reimburse their premiums income tax-free from your HSA. In addition, when both of you are HSA-eligible and covered on a family HSA-qualifying or compatible medical plan, you can split the family maximum contribution between your two HSAs as you wish.11. My spouse and I both have an HSA. Do we have to limitdistributions from each HSA to our own expenses?No. You can reimburse each other’s expenses from your respectiveHSAs as long as you remain married. You can’t combine accounts,but you may choose to reimburse both your and your spouse’sexpenses from one HSA to exhaust the balance in that account.Then, you have to manage (and perhaps pay monthly administration/maintenance fees) on only one account without losing the ability toreimburse an expense that either of you incurs (as long as youremain married).12. Can I make income tax-free distributions from my HSA fornon-qualified medical expenses when I turn age 65?No. Distributions for non-eligible expenses are always included inyour taxable income, putting these withdrawals on par with taxeson distributions from a traditional 401(k) or traditional IRA. Onceyou turn 65 or meet Social Security’s definition of disabled, youcan make distributions for items that aren’t HSA-qualified withoutincurring the 20 percent additional tax (penalty) otherwise assessedto non-qualified medical expenses.13. If I pass away first, can my HSA continue to reimburse myspouse’s qualified medical expenses income tax-free?You name a beneficiary when you enroll in your HSA, and you canchange the designation at any time. If you name your spouse asbeneficiary (the most common situation), upon your death yourHSA passes to your spouse with balances and tax advantages intact.Your spouse can then reimburse their own eligible expenses incometax-free. In addition, if your spouse remarries, they can reimbursetheir new spouse’s qualified medical expenses income tax-free. Ifyou name any other person or entity as the beneficiary, the HSA isliquidated and the assets pass to that person or entity, who may incura tax liability. That beneficiary doesn’t enjoy the tax benefits and isn’tconstrained by the rules of an HSA.Delaying enrollment in Medicare when first eligible to enroll14. Do I face a penalty if I defer Medicare enrollment when I’mfirst eligible (65th birthday for most individuals)?Possibly. Here are the potential tax consequences if you delayenrolling in Medicare around your 65th birthday when you’re entitledto an Initial Enrollment Period:• Part A (inpatient and home health care): If you (or your spouse)worked 40 employment quarters with income above the Medicarethreshold, you receive Part A premium-free. You face no penaltiesfor delaying enrollment past your Initial Enrollment Period.• Part B (physician and outpatient services): If you don’t enroll duringthe Initial Enrollment Period, you must maintain group coveragefrom your 65th birthday until you do enroll in Part B. For every12 months past your 65th birthday that you don’t maintain groupcoverage, you pay a 10 percent surcharge on your monthly Part Bpremium for the rest of your life. In addition, you may face a gap incoverage when you do want to enroll, since you’ll have to wait untilthe next General Enrollment Period to enroll in benefits effectivethe following July 1.• Part D (prescription drug coverage): If you don’t enroll during theInitial Enrollment Period, you must maintain group or nongroupcoverage that offers prescription drug benefits at least as rich asPart D. If you don’t, you’re assessed a permanent surcharge of 1percent of the national base beneficiary premium for every monthsince your 65th birthday that your coverage isn’t what’s calledMedicare Creditable Coverage (MCC). In addition, you may face agap in coverage when you want to enroll. You’ll have to wait for thenext General Enrollment Period to enroll in benefits.15. Given the penalty, should I just enroll in Parts B and Dwhen I’m first eligible and stop contributing to my HSA?That’s a personal decision that you should discuss with your financialadvisor. While your initial reaction might be to avoid penalties atall costs, note that (1) the penalties aren’t a punishment for doingsomething illegal or immoral and (2) you may be better off financiallyby remaining in your HSA program, building HSA balances to coverfuture expenses, enjoying tax savings and later facing penalties.optumbank.comHSAs and Medicare3
Key considerations:• What’s the difference in current cost among (1) remainingcovered on my employer’s plan without enrolling in Medicare,(2) enrolling in Medicare only or (3) enrolling in bothprograms?• What’s the difference in benefits covered and financialresponsibility between enrolling in either program or bothprograms?• What tax advantages do I give up if I’m no longer HSA-eligible? Remember, you won’t be able to reduce your taxableincome through HSA contributions if you enroll in Medicare.• What will be the financial consequences of my penalties?Remember, since the penalties represent additionalpremiums, they’re eligible for income tax-free reimbursementfrom your HSA.• Will I ever enroll in Parts B and D and face those penalties, orwill I choose coverage (such as a Medicare Advantage plan)that doesn’t require enrolling in coverage and payingpremiums subject to penalties?HSAs and Medicareoptumbank.com11000 Optum Circle, Eden Prairie, MN 55344Health savings accounts (HSAs) are individual accounts offered or administered by Optum Bank®, Member FDIC, and are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account. This communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change.© 2020 Optum Bank, Inc. All rights reserved. WF1038951 74216C-042020 OHCPlease note that this discussion is for informational purposes only and is based on current regulations. It doesn’t represent, and shouldn’t be construed as a substitute for professional advice. Please consult your personal legal, financial or tax counsel to discuss your personal situation and refer to IRS Publications 969 and 502.To learn more, visit optumbank.com.
YYYour enrollment is almost here — giving you the chance to choose the products and services that best meet your financial needs. Health insurance pays doctors and hospitals. Aflac helps pay the bills health insurance doesn’t cover.AGC2300823 EXP 7/24Aflac can help protect your future…starting today!Enroll via the PrestigePRO Benefits Portal during this Open Enrollment period.The following insurance plans are available: Group Accident Insurance helps pay costs that arise from covered accidents such as fractures, dislocations and lacerations. Two plan options are available - High and Mid.Group Critical Illness Insurance helps pay the expected and unexpected expenses that arise from diagnosis of a covered critical illness such as cancer (internal or invasive), heart attack, stroke, end-stage renal failure or a major organ transplant. This plan includes a $50 Health Screening Benefit for the covered employee, spouse and child(ren), payable once per calendar year per insured.Group Hospital Indemnity Insurance helps pay the costs associated with a covered hospital stay, including benefits for hospital confinement, hospital admission, hospital intensive care, and intermediate intensive care unit step-down unit. Two plan options are available - Mid and Low.Short-Term Disability Insurance helps protect your income in the event that you are unable to work. Two plan options are available: - 6-month benefit duration period / 7/7 day elimination period- 6-month benefit duration period / 14/14 day elimination periodThis is a brief product overview only. The plans have limitations and exclusions that may affect benefits payable. Refer to the plans for complete details, limitations, and exclusions. Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage.
AFLAC GROUP ACCIDENT INSURANCE Policy Series C70000Just because an accident can change your health, doesn’t mean it should change your lifestyle too.Accidents can happen in an instant affecting you or a loved one. Aflac is designed to help families plan for the health care bumps ahead and take some of the uncertainty and financial insecurity out of getting better. Protection for the unexpected, that’s the benefit of the Aflac Group Accident Plan.After an accident, you may have expenses you’ve never thought about. Can your finances handle them? It’s reassuring to know that an accident insurance plan can be there for you in your time of need to help cover expenses such as: • Ambulance rides•Emergency room visits• Surgery and anesthesia• Major Diagnostic Testing• BurnsPlan Features•Benefits are paid directly to you, unless otherwise assigned.•Coverage is guaranteed-issue (which means you may qualify for coverage without having to answerhealth questions).• Benefits are paid regardless of any other medical insurance.What you need, when you need it.Group accident insurance pays cash benefits that you can use any way you see fit.The plan has limitations and exclusions that may aect benets payable. This brochure is for illustrative purposes only. Refer to your certicate for complete details, denitions, limitations, and exclusions. For more information, call 866-885-6468.
AFLAC GROUP CRITICAL ILLNESSThe plan has limitations and exclusions that may aect benets payable. This brochure is for illustrative purposes only. Refer to your certicate for complete details, denitions, limitations, and exclusions. For more information, call 866-885-6468.Aflac can help ease the financial stress of surviving a critical illness.Chances are you may know someone who’s been diagnosed with a critical illness. You can’t help notice the difference in the person’s life—both physically and emotionally. What’s not so obvious is the impact a critical illness may have on someone’s personal finances.That’s because while a major medical plan may pay for a good portion of the costs associated with a critical illness, there are a lot of expenses that may not be covered. And, during recovery, having to worry about out-of-pocket expenses is the last thing anyone needs. That’s the benefit of an Aflac Group Critical Illness plan.It can help with the treatment costs of covered critical illnesses, such as a heart attack or stroke.More importantly, the plan helps you focus on recuperation instead of the distraction of out-of-pocket costs. With the Critical Illness plan, you receive cash benefits directly (unless otherwise assigned)—giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses. But it doesn’t stop there. Having group critical illness insurance from Aflac means that you may have added financial resources to help with medical costs or ongoing living expenses.Features:• Benefits are paid directly to you, unless otherwise assigned.• Coverage is available for you, your spouse, and dependent children.• Coverage may be continued (with certain stipulations). That means you can take it with you if you changejobs or retire.How It Works: Aflac Group Critical Illness coverage is selected.Aflac Group Critical Illness pays an Initial Diagnosis Benefit of:$30,000You experience chest pains and numbness in the left arm.You visit the emergency room.A physician determines that you have suffered a heart attack.Amount payable based on $30,000 Initial Diagnosis Benefit.
The plan that can help with expenses and protect your savings.Does your major medical insurance cover all of your bills? Even a minor trip to the hospital can present you with unexpected expenses and medical bills. And even with major medical insurance, your plan may only pay a portion of your entire stay.That’s how the Aflac Group Hospital Indemnity plan can help. It provides financial assistance to enhance your current coverage. It may help avoid dipping into savings or having to borrow to address out-of-pocket-expenses major medical insurance was never intended to cover. Like transportation and meals for family members, help with child care, or time away from work, for instance.The Aflac Group Hospital Indemnity plan benefits include the following:• Hospital Confinement Benefit• Hospital Admission Benefit• Hospital Intensive Care Benefit and moreAFLAC GROUP HOSPITAL INDEMNITY The plan has limitations and exclusions that may aect benets payable. This brochure is for illustrative purposes only. Refer to your certicate for complete details, denitions, limitations, and exclusions. For more information, 866-885-6468.How It Works: Aflac Group Hospital Indemnity coverage is selected.Aflac Group Hospital Indemnity Mid plan pays:$1,300The insured has a high fever and goes to the emergency roomThe physician admits the insured into the hospital.The insured is released after two days.Amount payable was generated based on benefit amounts for: Hospital Admission ($1,000) and Hospital Confinement ($150 per day).
Aflac can help you protect one of your most important assets. Your income.All too often when we hear the words disability and insurance together, it conjures up an image of a catastrophic condition that has left an individual in an incapacitated state. Be it an accident or a sickness, that’s the stereotype of a disabling injury that most of us have come to expect.What most of us don’t realize is that in addition to accidental injuries, conditions such as arthritis, heart disease, diabetes, and even pregnancy are some of the leading causes of disability that can keep you out of work and aect your income. That’s where Aflac group disability insurance can help. Our Aac group disability plan can help protect your income by oering disability benets to help you make ends meet when you are out of work. Our plan was created with you in mind and includes:• O-jobonlycoverage.• Benetsthathelpyoumaintainyourstandardofliving.The Aflac group disability plan benefits:• Benefitsarepaidwhenyouaresickorhurtandunabletowork,upto60percentofyoursalary(upto40%instateswithstatedisability).• MinimumandMaximumTotalMonthlyBenefit–$400to$3,000.• PartialDisabilityBenefit.• Twoplanoptionsavailable:– 6-monthbenefitdurationperiod/7/7dayeliminationperiod– 6-monthbenefitdurationperiod/14/14dayeliminationperiodFeatures:• Benetsarepaiddirectlytoyouunlessotherwiseassigned.• Coverageisportable.Thatmeansyoucantakeitwithyouifyouchangejobs(withcertainstipulations).• PayrollDeduction–Premiumsarepaidthroughconvenientpayrolldeduction.The plan has limitations and exclusions that may aect benets payable. This brochure is for illustrative purposes only. Refer to your certicate for complete details, denitions, limitations, and exclusions. For more information, call 866-885-6468.AFLAC GROUP DISABILITYHow It Works: Aflac Group Disability Non-occupational coverage is selected with a 60% of salary benefit.Aflac Group Disability pays the certificate holder60%of his salary for the length of disability after the elimination period.The certificate holder hurts his back helping his friend move over the weekend and visits the doctor.A physician determines the certificate holder will be out of work for 1 month while recovering.
A BETTER FIT FOR EMPLOYEESFarmers GroupSelectSM provides insurance coverage tailored to your needs. Get a quote today.As an employee, you have access to special savings on auto insurance. Others have saved an average of $562* by making the switch. Auto InsuranceWith custom fit coverages, you can drive your own auto insurance policy while enjoying savings and benefits, like: • Special group discounts • Automated payment options • Claim-free driving rewards • Car rental • No deductible windshield repair • Roadside assistance • Guaranteed auto repairs for covered losses • ID protection services1GET A QUOTEHome InsuranceQuality home insurance coverage means you can rest easy knowing your most valuable asset is truly protected, along with savings and benefits, like: • Special group discounts • Replacement cost coverage • Referral networks • Automated payment options • ID protection services1 Call today, 800-438-6381CALL 800-438-6381Other Protection ProductsBy combining auto, home, and other policies, you could save even more! Call today, 800-438-6381 RV Renters Motorcycles Boat Condo* Based on the average nationwide annual savings in 2020 reported by new customers who called our employer and affinity call center, switched their auto insurance to an insurance policy issued through our employer or affinity program, and realized savings. Potential savings vary by customer and may vary by state and product. 1 Identity protection services are not available to auto customers in NC or NH nor with all policy forms. Identity protection services are available in NC homeowners policies with the optional “Identity Theft Expense and Resolution Plus” endorsement for an additional premium.Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Property and Casualty Insurance (a MA & MN licensee) and certain of its affiliates: Economy Fire & Casualty Company, Economy Premier Assurance Company, Economy Preferred Insurance Company, Farmers Casualty Insurance Company (a MN licensee), Farmers Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Farmers Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), or Farmers Lloyds Insurance Company of Texas, all with administrative home offices at 700 Quaker Lane, Warwick, RI 02886. Company names approved in domiciliary states; approval pending non-domiciliary states. Coverage, rates, discounts, and policy features vary by state and product and are available in most states to those who qualify. Policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, contact your local representative or the company.© 2021 Farmers InsuranceFarmers GroupSelectSMGET A QUOTE
Why a Legal Plan mattersLegal matters occur throughout life, when you’re getting married, buying a home, caring for aging parents or dealing with identity theft or a tax audit. Having access to a network of attorneys through a legal plan empowers you to handle these costly issues as they arise.When you need legal help, we’ve made it easy for you. Our network attorneys are available in person, by phone or by email. We also offer access to online tools to complete yourestate planning documents or download self-help legal forms.And, you will always have a choice in what attorney to use. You can choose one from our network of prequalified attorneys, or use an attorney outside of our network and be reimbursed some of the cost.1Why should Ienroll now?• Full coverage, fromadvice andconsultation torepresentation, formany commonlegal matters• Online tools tocomplete estateplanning documents,download self-helplegal forms andsend questions toattorneys• No copays,deductibles or claimforms when using anetwork attorney fora covered matterThe cost of MetLife Legal Plans coveragefor the whole year is less than the average attorney’s hourly fee of $370.2Legal PlansEnroll in MetLife Legal Plans during annual enrollment
• Name changeJust a few times in life you might need legal help.Getting married Starting a family• Prenuptial agreement•Creating wills and estate planning documents• Updating or creating estate planning documentsBuying, renting or selling a home• Reviewing contracts and lease agreements• Preparing deeds• Attending the closingDealing with identity theft• Attorney consultations regarding potential creditoractions• Assistance with contacting banks and creditors• Attorney defense for issues related to identity theft• School and administrative hearings• AdoptionCaring for aging parents• Attorney consultations on Medicaid/Medicarequestions• Reviewing nursing home agreement• Reviewing estate planning documentsSending kids off to college• Security deposit assistance• Reviewing leases• Student loan debt assistance1Create an account at legalplans.com to see your coverages, select an attorney and get a case number for your legal matter. Or, giveus a call at 800.821.6400 for assistance.Easy to find an attorney2Call the attorney you select, provide your case number and schedule a time totalk or meet.Easy to make an appointment3Easy from startto finishThat's it! There are no copays, deductibles or claim forms when you use a network attorney for a covered matter.Legal help made easy.See how simple it is to use your plan.Cover the costs on a wide range of common legal issues with a Legal Plan.Access experienced attorneys to help with estate planning, home sales, tax audits and more.Enroll in MetLife Legal Plans during annual enrollment
A Personal Account: How a Legal Plan helped Chris with his home purchasewere buying a home as part of our relocation to Florida. Our attorney reviewed the documents, made some suggestions and offered some good advice. Already, this was more than I expected from a contract review. However, because of confusion on the part of the title agency our closing went totally off the rails. I'll spare you the gory details,but suffice to say that our attorney was the only person in the entire process who I felt was representing my interests. He went way above and beyond what I expected from him, and I can't say enough about how pleased I was about the level of service I received.— Chris, a Legal Plan member in Florida“I contacted our attorney for a contract review, as my wife and I“Estate planning at your fingertipsMost of us know we need important estate planning documents like wills, advance directives and powers of attorney, but finding the time to complete these documents can be a challenge. Through our digital estate planning solution we make it easy for you to complete estate planning documents. This allows you to designate your wishes for healthcare, as well as protect your family and assets quickly and easily from the comfort of your home.With our digital estate planning solution you can create:• Last Will and Testament: Leave property to loved ones and choose guardians forminor children.• Advance Directive: Plan for a medical emergency and select medical carepreferences.• Durable Financial Power of Attorney: Choose someone to manage finances in caseof an emergency.• Probate Avoidance Documents: Keep your home out of the probate process andhave it pass directly to the beneficiaries of your choosing with either a transfer ondeath deed or revocable living trust, depending on your state.How do I get started?Our digital estate planning solution is available to all enrolled legal plan members at legalplans.com. You will need to create an account here using the email and password of your choice to use the digital estate planning solution. The process is designed to work for most people, but if there are aspects of your estate that are more complicated, you might be directed to reach out to one of our network attorneys instead of using the online process.Create wills, living wills and powers of attorney online in as little as 15 minutesof Americans do not have a will, the most basic estate planning document you need to protect your assets and your family.370%Enroll in MetLife Legal Plans during annual enrollment
1. You will be responsible to pay the difference, if any, between the plan’s payment and the out-of-network attorney’s charge for services.2. Average hourly rate of $370.00 based on years of legal experience, National Law Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2018).3. CARAVAN survey conducted by ENGINE on behalf of MetLife Legal Plans, January 2020.We are pleased to announce that Metropolitan Property and Casualty (Met P&C) business has been acquired by the Farmers Insurance Group®. Plans provided through insurance coverage underwritten by Met P&C will transition to be underwritten by Metropolitan General Insurance Company. During the transition period, Met P&C will continue to underwrite legal plans in certain states. For additional information, please reach out to contact@legalplans.com.Group legal plans provided by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company, Warwick, RI. Some services not available in all states. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife and affiliates and plan attorneys; 3) matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney client relationship exists prior to the participant becoming eligible for plan benefits. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters. Please see your plan description for details. MetLife®is a registered trademark of MetLife Services and Solutions, LLC, New York, NY.MetLife Legal Plans | 1111 Superior Ave, Suite 800 | Cleveland, OH 44114L0621014253[exp0822][AllStates][DC,PR] © 2021 MetLife Services and Solutions, LLCTo learn more about your coverages and see our attorney network, create an account at legalplans.com or call 800.821.6400 Monday – Friday 8:00 am to 8:00 pm (ET).Legal Plan Frequently Asked QuestionsQ. How does the plan work?A. Getting started is easy. You simply choose an attorneyfrom our network, which is available online or by calling ourClient Service Center. You can also choose an attorneyoutside of our network and be reimbursed according to aset fee reimbursement schedule.1We will then give you anassigned case number to share with your attorney whenyou make an appointment. It’s that simple.You can speak to our network attorneys face to face, by phone or you can submit questions online to our Law Firm E-Panel® — whatever works best for you. And for certainlegal matters, your attorney can represent you in courtwithout you having to make an appearance.Q. Can I get help finding the right attorney for myneeds?A. Yes, our Client Service Center representatives are hereto help you find the right attorney for your legal matter,whatever that might be. We’re committed to ensuring youreceive the expert legal help you need, when you need it.Q. How are attorneys selected for the network? Whatare their qualifications?A. We only select attorneys who meet our selection criteriaand agree to our Attorney Code of Excellence. Attorneysin the network have an average of 25 years experience inthe practice of law, have graduated from an accredited law school and must maintain valid state licensure. Additionally,the attorneys must agree to provide superior customerservice to all legal plan members. We routinely monitor ourattorneys to ensure our members’ needs are being metand conduct regular re-credentialing audit that looks atlegal activity, member feedback, verification of malpracticeinsurance and more.Q. Can I use an attorney who is not in the network?A. Yes, you can use any attorney you’d like. If you choosean attorney outside of our network, we’ll reimburse you forservices based on a set fee reimbursement schedule.1Q. Can I use an attorney more than once?A. Yes, you have unlimited use of the plan over the courseof the year for covered legal matters.Q. How much will it cost?A. Less than you might think. For less than a dollar a day,you can have our legal experts on your side, for as long asyou need them.Q. How do I pay for my coverage?A. It’s easy. Your premium is paid through payrolldeductions, so you don’t have to worry about writing anychecks or missing payments.Q. Are my spouse and family members also covered bymy plan?A. Most plans cover your spouse and dependent children;please see the details of your plan.Q. Are claim forms required when using the legal plan?A. No. We make using your plan easy. When you usea network attorney, there is nothing for you to do. Planservices are covered in full, and billing is between us andthe network attorney. There are no waiting periods, nocopays, no deductibles and no claim forms.Enroll in MetLife Legal Plans during annual enrollment
Enrolling in a UnitedHealthcare Critical Illness Protection Plan helps give you and your family more financial security if you or a covered family member is diagnosed with a covered illness. How the plan works The money is yours to use however you want, including paying for: continued 1 United Healthcare
Covered conditions Base conditions Additional conditions Child-only conditions** • Cerebral palsy• Cleft lip/palate• Cystic fibrosis• Down syndrome• Muscular dystrophy• Spina bifida Consider the financial protection you'll gain by enrolling in the Critical Illness Protection Plan United Healthcare 0 0 THIS IS A LIMITED BENEFIT POLI.
I Your UnitedHealthcare Critical Illness Protection Plan includes a wellness benefit that helps pay for preventive care and other health screenings. The wellness benet may be money in your pocket To earn the wellness benefit, complete at least 1 of these screenings or tests: Program rules continued You could earn: $50 peryear United Healthcare
Help maintain your health with uhc.com/preventivecare Our online preventive care tool allows you to easily: Work with your doctor This is a critical illness-only policy See your ocial critical illness plan documents for benet details UnitedHealthcare
The Accident Protection Plan supports your health plan A plan that covers more than 80 injuries and services continued I of employees have $500 or less to cover the costs of an illness or emergency1 United Healthcare
® Initial care/hospital care Follow-up care/common injuries $300 $150 Total payment to Matt: $250 $800 $600 $225 $75 $270 $555 Total payment to Matt: Matt receives a check for: $3,225 United Healthcare □
Help protect yourself from the high costs of hospital care I Get a direct payment aer hospital care Covered hospital expenses include: Use the money any way you choose Use your payments for: Enjoy an easier experience You don't have to meet your deductible to get your payment continued Do you h a highdeductible health plan? United Healthcare
How the Hospital Indemni Protection Plan helped Matt** $1,000 $1,600 United Healthcare
a e� will will continued United Healthcare
Our National Employee Assistance Program (EAP) offers a wide range of confidential professional and personal development services for you and your employees. Implemented by certified clinical behavioral psychologists and corporate coaches, our EAP services include critical incident response, individual performance counseling, substance abuse management, on-site conflict mediation services, wellness programs, and more. NEAP also includes programs spanning across professional growth, leadership development, training, succession planning, and more for corporate development.Contact your PrestigePEO HRBP at 516-692-8505 to find out more about how National EAP can help you and your employees.Source: The Journal of Employee Assistance 1Q 2014: Vol 44, No. 1ROIIn addition to a happier, healthier, more committed workforce, you can expect a financial return on investment (ROI). In a study commissioned by the Journal of Employee Assistance, 4,707 EAP clients reported an average annualized ROI of $10,187.99 per employee in productivity improvements. Among those who utilized EAP services:Productivity Increased Over32%AbsenteeismDropped87%Emotional Well-Being Increased 51%Morale andMotivation Improved25%Work/Life ServicesConsultation & ReferralsFinancial ConsultationFree unlimited telephone consultation with a financial professional qualified to advise you on a range of financial issues.Legal ConsultationFree half-hour telephone consultation with an attorney on most legal issues. Discounted rates are available if further legal representation is required. ID Theft Recovery ConsultationFree telephone consultation with an ID recovery professional, plus free online prevention program Credit Karma.Online Member Services• Offers resources,articles, links andinteractive tools• Free legal forms &Living Will• Searchable database• Monthly health &wellness topics with live webinarsPre-Qualified Referrals• Child care andparenting• Older adult care• Legal/financialresourcesMembers can rely on confidential EAP assistance to help address a variety of needs including:• Marital and Family Relationships• Legal & Financial Problems• Stress Management• Alcohol and Substance Abuse• Crisis Management• Parenting Difficulties• Domestic Violence• Physical and Mental Illness• Grief & Loss
No one can prevent all identity the or all cybercrime.Your Employee Benefit Can Help Protect Your Identity and Devices. Everyday we put our information at risk on the internet.Everyday activities like online shopping, banking, and even browsing can expose your personal information, making you more vulnerable to cybercrime. LifeLock with Norton Benet Plans combine leading identity theft protection and device security against online threats, viruses, ransomware and malware, at home and on-the-go. Let us help protect your identity, your devices and your online privacy, in an always connected world.Get more value for your money! Enroll through your employer today!
Employee Only (18+ Years Old)Employee + Family∆LIFELOCK IDENTITY THEFT PROTECTIONLifeLock Identity Alert™ System†• Payday - Online Lending Alerts†• Credit Alerts & Social Security Alerts† LifeLock Mobile App (Android™ & iOS)**Downloading the app does not provide protection.Dark Web Monitoring** LifeLock Privacy Monitor™USPS Address Change VericationLost Wallet ProtectionReduced Pre-Approved Credit Card OffersFictitious Identity MonitoringData Breach NoticationsCredit, Checking & Savings Account Activity Alerts†**Checking & Savings Account Application Alerts†**Bank Account Takeover Alerts†**401K & Investment Account Activity Alerts†**File Sharing Network SearchesSex Offender Registry ReportsOnline Account Monitoring**Expected availability 2020, subject to change.Prior Identity Theft Remediation∂This feature is separate from our Million Dollar Protection™ Package and does not provide coverage for lawyers and experts, reimbursement of stolen funds or compensation for personal expenses for events occurring during the 12 months prior to enrollment. See disclaimer for details.U.S.-based Identity Restoration Specialists24/7 Live Member Support∆Million Dollar Protection™ Package†††• Stolen Funds Reimbursement •Personal Expense Compensation• Coverage for Lawyers and ExpertsUp to $1 Million each Up to $1 Million eachCredit Application Alerts2** One-Bureau One-BureauCredit Monitoring1** One-Bureau Three-BureauAnnual Credit Report & Credit Score1**The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.Three-BureauMonthly Credit Score Tracking1**The credit score provided is a VantageScore 3.0 credit score based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.One-BureauNORTON DEVICE SECURITYSecures PCs, Macs, Smartphones/Tablets** Up to 3 devices (Family gets 6 devices)Up to 5 devices (Family gets 10 devices)Online Threat Protection**Password Manager **Parental Controls3**Smart Firewall**Cloud Backup3**10 GB 50 GBONLINE PRIVACYSafeCam3**withBenefit PremierwithBenefit Essential∆ The LifeLock Benet Junior plan is for minors under the age of 18. LifeLock enrollment is limited to employees and their eligible dependents. Eligible dependents must live within the employee’s household, or be nancially dependent on employee. LifeLock services will only be provided after receipt and applicable verication of certain information about you and each family member. Please refer to employer group for the required information under your plan. In the event you do not complete the enrollment process for any family member, those individuals will not receive LifeLock services, but you will continue to be charged the full amount of the monthly membership selected until you cancel or modify your plan at your employer’s next open enrollment period, which may be annually. Please note that we will NOT refund or credit you for any period of time during which we are unable to provide LifeLock services to any family member on your plan after your benet effective date due to your failure to submit the information necessary to complete enrollment. If you do not complete the enrollment process for each family member, you may continue to pay more for LifeLock services than you otherwise would if you had selected a lower tier plan.1 If your plan includes credit reports, scores, and/or credit monitoring features (“Credit Features”), two requirements must be met to receive said features: (i) your identity must be successfully veried with Equifax; and (ii) Equifax must be able to locate your credit le and it must contain sufcient credit history information. IF EITHER OF THE FOREGOING REQUIREMENTS ARE NOT MET YOU WILL NOT RECEIVE CREDIT FEATURES FROM ANY BUREAU. If your plan also includes Credit Features from Experian and/or TransUnion, the above verication process must also be successfully completed withExperian and/or TransUnion, as applicable. If verication is successfully completed with Equifax, but not with Experian and/or TransUnion, as applicable, you will not receive Credit Features from such bureau(s) until the verication process is successfully completed and until then you will only receive CreditFeatures from Equifax. Any credit monitoring from Experian and TransUnion will take several days to begin after your successful plan enrollment. Pleasenote that in order to enjoy all features in your chosen plan, such as bank account alerts, credit monitoring, and credit reports, it may require additionalaction from you and may not be available until completion.2 If your plan includes One Bureau Credit Application Alerts, two requirements must be met to receive said features: (i) your identity must be successfully veried with TransUnion; and (ii) TransUnion must be able to locate your credit le and it must contain sufcient credit history information. IF EITHER OF THE FOREGOING REQUIREMENTS ARE NOT MET YOU WILL NOT RECEIVE ONE BUREAU CREDIT APPLICATION ALERTS. One Bureau Credit Application Alerts will take several days to begin after your successful LifeLock plan enrollment.3 Not all features are available on all platforms. Norton Family Parental Controls, Norton Cloud Backup, and PC SafeCam are presently not supported on Mac OS.† LifeLock does not monitor all transactions at all businesses††† Reimbursement and Expense Compensation, each with limits of up to $1 million for LifeLock with Norton Benet Essential and LifeLock with Norton Benet Premier and up to $25,000 for Benet Junior, and up to $1 million for coverage for lawyers and experts if needed, for all plans. Benets under the Master Policy are issued and covered by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy terms, conditions and exclusions at: LifeLock.com/legal.** These features are not enabled upon enrollment. Member must take action to activate this protection.∂ Subject to eligibility requirements dened in Terms & Conditions at https://www.lifelock.com/legal/prior-id-theft-remediation. Symantec reserves the right to change and/or cease services at any time.∆ English only.No one can prevent all identity theft or cybercrime.LifeLock and Norton by Symantec are now Norton LifeLock. Copyright © 2019 Symantec Corporation. All rights reserved. Symantec, the Symantec Logo, the Checkmark Logo, Norton, Norton by Symantec, LifeLock, and the LockMan Logo are trademarks or registered trademarks of Symantec Corporation or its afliates in the U.S. and other countries. Other names may be trademarks of their respective owners. Norton LifeLock is the Consumer Division of Symantec.GPPM8782Benefit Pricing - Monthly Rates *Prices Include Applicable Sales Tax$5.49$10.98$9.99$19.98
We’re doing more online than ever before – making us more vulnerable to fraud and online threats. MetLife Identity & Fraud Protection powered by Aura helps safeguard the things that matter to you most: your identity, money and assets, family, reputation, and privacy.All-in-one security solution that helps protect the things you care about most. Make the internet a safer place for you and your family. The average consumer’s digital activity10 devices1300 online accounts27+ hours / day online3The Aura app keeps all your digital security solutions in one placeWhy Identity & Fraud Protection mattersEnroll in Identity & Fraud Protection during annual enrollment
Identity Theft ProtectionKeep your identity secure with proactive monitoring and alerts if threats to your personal info—like your bank accounts, credit, Social Security Number, IDs, and more—are detected. Financial Fraud ProtectionGet alerted to new inquiries to your credit, suspicious transactions on your bank accounts, and changes to your home or car title.Privacy & Device ProtectionShop, bank, and work online more safely and privately with safety tools including VPN/Wi-Fi security, antivirus, and password manager. Aura also requests removal of your personal info from data broker lists to help reduce spam like robocalls, robotexts, and more.Customer ServiceGet $5 million identity theft insurance6per adult member and 24/7 customer support to answer account, technical, or billing questions. Plus, resolution specialists provide white glove case management services to victims of fraud.On average, it takes about 100 to 200hours and over six months to undo identity theft.5Online interactions are at an all-time high. 89% of employees say that having access to an identity theft product provides peace of mind.4Advantages of MetLife Identity & Fraud Protection powered by AuraWhy you need Identity & Fraud ProtectionPlan OptionsProtection Plan: Basic protection for your identity, finances, and two device per adult member.Protection Plus Plan: Robust protection for your identity, finances, privacy, and unlimited devices per adult member.Individual Coverage: Protection for the employee only.Family Coverage: Our inclusive definition of “Family” allows the employee to add up to 10 additional adults and unlimited minors to the plan. Added members are not required to live in the same household. Remove Protection Plan if only offering Protection Plus Plan OR Remove Protection Plus Plan if only offering Protection PlanWith MetLife, you’ll have the option to enroll in a robust digital security plan to help protect you and your family from financial and identity fraud. Learn more about the tiered coverage options available to you, plan features, services and how payments will be deducted. Enroll in Identity & Fraud Protection during annual enrollment
Features Protection Protection PlusFinancial Fraud ProtectionCredit Monitoring & Alerts1-Bureau3-BureauAnnual Credit Report1-Bureau3-BureauMonthly Credit Score Tracker7aaIn-Platform Credit DisputeaaCredit, Bank & Utility Account Freeze AssistanceaaHome & Vehicle Title MonitoringaaFinancial Account Opening & Takeover MonitoringaaFinancial Transaction MonitoringaaInvestment & Loan Account MonitoringaaHigh-Risk Transaction AlertsaaUtility Account MonitoringaaExperian Credit LockaCredit Score SimulatoraIdentity Theft ProtectionAutomated Online Data Removal & Solicitation ReductionaaDark Web Monitoring for Personal Info & IDsaaDark Web Monitoring for Accounts & CredentialsaaSSN & Identity Authentication AlertsaaCriminal, Court & Public Records MonitoringaaUSPS Address MonitoringaaSocial Media Monitoring & Takeover AlertsaGamertag MonitoringaSocial Media Privacy Checkup8aPrivacy & Device ProtectionPassword Manager & Automated Password ChangeaaEmail AliasaaSafe Web BrowsingaaIP Address MonitoringaaWi-Fi Security/VPN2 DevicesUnlimited DevicesAntivirus2 DevicesUnlimited DevicesAI-Powered Call & Text Screening8aFamily Safety (with family overage only)Parental ControlsaaChild Cyberbullying ProtectionaaChild Credit Freeze WizardaaChild SSN Monitoring & AlertsaaSex Offender Geo AlertsaaShared Password VaultaaSecure Family OnboardingaaCaregiver Alert Sharing8aaChild Online Safety Scan8aaService & Support$5M Insurance Policy per Enrolled Adult6•401K & HSA•Senior & deceased family member theft•Home title identity theft•Cyber extortion/ransomwareaaLost Wallet Protection with $500 Emergency Cashaa24/7/365 100% US-based Customer CareaaWhite Glove Fraud Resolution ServicesaaRestoration Services for Pre-Existing Fraud EventsaaMobile App (iOS & Android)aaAura Account Security (2FA)aaEnroll in Identity & Fraud Protection during annual enrollment
L0223029415[exp0225][All States][DC,GU,MP,PR,VI] © 2023 MetLife Services and Solutions, LLCMetLife Consumer Services, Inc.| 200 Park Avenue | New York, NY 10166Questions & AnswersNo one can prevent all identity theft or monitor all transactions effectively.Aura is a product of Aura Sub, LLC. Aura Sub, LLC. is not affiliated with MetLife, and the services and benefits they provide are separate and apart from any MetLife product.Q. What happens if my employment statuschanges? Can I take my coverage with me?A. Yes, you can take your coverage with you. You willneed to continue to pay your monthly fees via creditcard payment on Aura’s platform to keep yourcoverage in force. Your coverage will only end if youstop paying your fees or if your employer offers yousimilar coverage with a different carrier.Q. How are my finances protected?A. Aura monitors your credit, financial accounts, home& auto titles and more. You’ll get alerted to creditinquiries, like if someone tries to open a new creditcard or bank account in your name.Q. How is my identity protected?A. Through extensive monitoring of your Social SecurityNumber, driver’s license, passport, ID, and more.Plus, Aura requests the removal of your data frombroker lists to help reduce spam like robocalls androbotexts.Use this page ONLY if offering protection plus onlyInsert Dollar Amount and delete if not using Individual or Family/ protection or protection plusQ. Who is eligible to enroll for this Identity andFraud Protection benefit?A. This product is available for Individual(Employee only) or Family coverage.Individual covers the employee only; Family coversthe employee and up to 10 additional adults andunlimited minors.• For Family plans, you may add up to 10additional adult members to your plan, no mattertheir age or whether they live at the same address.Each adult member will have their own accountand enjoy the same features. Each adult’s infois kept private from other adults on the plan.• For Minors, you may add up to unlimited minors(under 18 years old) to the plan. You must haveparental guardianship rights over the minors. Theminors’ information and alerts will only be visible toyou, the Account Owner.1. Statista “Avg. # of Connected Devices in U.S. Household” 2020 https://www.statista.com/statistics/1107206/average-number-of-connected-devices-ushouse/#:~:text=According%20to%20a%202020%20survey,connected%20devices%20in%20their%20household. Accessed 02/20232. World Password Day: How to Improve Your Passwords https://blog.dashlane.com/world-password-day/#:~:text=According%20to%20our%202017%20findings,will%20skyrocket%20to%20300%20accounts. Accessed 02/20233. Statista "Average time spent per day with digital media in the United States from 2011 to 2022" https://www.statista.com/statistics/262340/daily-time-spent-with-digital-media-according-to-us-consumsers/, Accessed 8/20224. Q&A: Identity Theft Benefits More Relevant Than Ever, HR Daily Advisor,https://hrdailyadvisor.blr.com/2020/04/02/qa-identity-theft-benefits-more-relevant-than-ever/, Accessed 02/2023 5. How Long Does it Take to Correct Identity Theft?, Allstate, https://www.allstateidentityprotection.com/content-hub/how-long-does-it-take-to-correct-identity-theft,Accessed 02/20236. As a component of becoming an Aura Plan member, Consumers receive identity theft insurance through a group policy issued to Aura which is underwritten andadministered by American Bankers Insurance Company of Florida, an Assurant company, which is not an affiliate or subsidiary of MetLife. Checking & SavingsCash Recovery and 401(K) & HSA Cash Recovery are part of and not in addition to the Expense Reimbursement limit of liability. The description herein is asummary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to theactual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.7. The score you receive with Aura is provided for educational purposes to help you understand your credit. It is calculated using the information contained in yourTransUnion or Experian credit file. Lenders use many different credit scoring systems, and the score you receive with Aura is not the same score used bylenders to evaluate your credit.8. Coming in 2023
We Offer FinFit!Your Employee Financial Wellness ProgramExperience the Satisfaction of Financial Stability2017 Financial Survey Commissioned by FinFit.FinFit Loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. Loans subject to credit approval. Residents of Colorado, Connecticut, Iowa, Vermont, West Virginia, Nevada and Massachusetts are not eligible for loans. Nothing in this advertisement constitutes an offer or solicitation for loan products to residents of those states. Actual time it takes for loan approval dependent upon loan verication set up with your employer.Products listed are a representation of FinFit offerings. Not all products are available in all states or to all member companies. The products available to you and your organization will appear on your FinFit membership dashboard.Spending and Savings AccountsUnlock access to spending and savings accounts without the fees and get paid up to two days early.Member RewardsEarn points to redeem for prizes, Amazon gift cards or a deposit into your FinFit savings account!Financial CoachingOne-on-one advice Financial Dashboard & InsightsEstablish a budget, connect your accounts & receive alerts to keep you on track!Financial SolutionsAccess alternatives to high-interest credit.Student Loan ServicesSimplify the repayment of your student loans.Budget CalculatorsMake smarter, informed Personalized AssessmentIdentify your goals and discover your Educational Tools & ResourcesFrom beginners to savvy investors, we’ll guide you every step of the way.81%of employees are now paying their bills on time with the help of FinFit.80%of employees have less utilizing FinFit. 70%of employees increased their monthly savings with the help of FinFit. 61%of employees have not useda high cost credit providersince joining FinFit.Member RewardsEarn points and redeem for cash & prizes!Download the FinFit Mobile AppVisit YourPrestigePROEmployee PortalLog In & Click the FinFit Tab Complete the Requested InfoFor more information and to schedule a meeting with yourFinFit Account Manager, contact Brian Koski, bkoski@finfit.com