Download Our 2007 Health Care Programs Take Charge of Your Health

A Look At Your 2012 Employee Benefits
1
2007 First Data Benefits
Health & Life Benefits
Who’s Eligible
• Regular full-time employees (on U.S. Payroll) scheduled to work 30 or more hours
per week
• Dependents*
— Spouse (including same sex spouse if recognized by your state)
–
a spousal surcharge for medical coverage may apply
— Children up to age 26 (end of month turn 26)
— Disabled children beyond age 26, if meet all criteria
— Domestic partner (medical, dental and vision coverage)
– Children of domestic partners are not eligible for coverage
– Domestic partner coverage is taxable
*First Data requires employees provide documentation validating their dependents meet
eligibility requirements defined in our plans.
*No Social Security Number (SSN) = No Coverage
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2007 First Data Benefits
Health & Life Benefits
Coverage Begins
• First day of the month coincident with or following date of hire
— Hired October 3, benefits begin November 1
— Hired October 1, benefits begin October 1
• Rehired by First Data, your benefits begin on your first day back*
— Hired March 15, benefits begin March 15
*If, as a rehire, you last worked for First Data more than 5 years ago, new hire rules will apply
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2007 First Data Benefits
Health & Life Benefits
Overview
Basic / Default Benefits
First Data pays 100% for:
•Basic Long-Term Disability Insurance
•Short-Term Disability Insurance
•Basic Life Insurance
•Basic Accidental Death and Dismemberment Insurance
•Business Travel Accident Insurance
•Health Advocate
•Employee Assistance Program
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*
2007 First Data Benefits
Health & Life Benefits
Overview
Optional Benefits/Must Actively Enroll or Select Coverage
You and First Data Share the cost for:
Medical
• High Deductible Health Plan (HDHP)
• $400/90%/%Rx PPO
• $900/80%/%Rx PPO
• Triple S (Puerto Rico only)
• Aetna Global (for employees on Expatriate Assignments)
Dental
• Aetna Dental Maintenance Organization (DMO)
• MetLife Preferred Dentist Program (PDP) A
• MetLife Preferred Dentist Program (PDP) B
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* Before-tax contributions
2007 First Data Benefits
Health & Life Benefits
Overview
You pay the full cost for:
•Vision*
•Health Care Flexible Spending Account*
•Day Care Flexible Spending Account*
•Supplemental Employee Life Insurance
•Spouse Life Insurance
•Child Life Insurance
•Voluntary Accidental Death & Dismemberment (AD&D)
•Legal Plan
•Voluntary Long Term Disability (LTD) at 66 2/3% - you pay for the 16
2/3%, while the company pays for 50%.
•Care$ (if eligible)
* Before-tax contributions
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2007 First Data Benefits
Health & Life Benefits
Overview
If You Don’t Enroll Within 31 Days
No Coverage for Optional Benefits
•Medical*
•Dental*
•Vision*
•Flexible Spending Accounts*
•Supplemental Employee Life Insurance
•Spouse Life Insurance
•Child Life Insurance
•Legal
•Care$ Benefit
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* Before-tax contributions
2007 First Data Benefits
Health & Life Benefits
Overview
If You Don’t Enroll Within 31 Days
Basic/Default Coverage Only
•Short-Term Disability Insurance
•Voluntary Long-Term Disability Insurance (payroll deduction)
•Basic Life
•Basic AD&D
•Business Travel Accident
•Health Advocate
•Employee Assistance Program
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2007 First Data Benefits
Overview
Annual Benefits Salary
• Your annual benefits salary is used to calculate:
•
•
•
•
•
Basic Life and AD&D coverage amounts
Business Travel coverage amounts
Basic LTD and Voluntary LTD coverage amounts
Medical premium pricing
Care$ eligibility
• Your annual benefits salary is calculated each year in August for
benefit levels beginning the following January 1 and includes:
• Your base salary includes your base compensation for the year, prior to any before-tax
contributions to the Incentive Savings Plan, Flexible Spending Accounts and other health
and insurance plans
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2007 First Data Benefits
Health & Life Benefits
Medical
High Deductible Health Plan (Medco Rx)
Two parts:
•The High Deductible Health Plan (HDHP)
•The Health Savings Account (HSA)
(administered by PayFlex with funds held at UMB Bank)
PPO Plans (Medco Rx)
Two plan options:
•$400 individual/$1200 family deductible/90% coinsurance/%RX
•$900 individual/$2700 family deductible/80% coinsurance/%RX
Out-of-Area PPO
Triple-S (Puerto Rico)
Aetna Global Medical Plan (for Expatriate Assignments)
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2007 First Data Benefits
Health & Life Benefits
Medical
High Deductible Health Plan
Health Plan Highlights
• 100% preventive care coverage (not diagnostic)
— Routine physicals, immunizations, screenings (subject to age and frequency rules)
• In-network and out-of-network coverage – greater savings when you use in-network
doctors
• Annual in-network deductible: $1,250 individual/$2,500 family*, including
prescription drugs
• Coinsurance: plan pays 90%, you pay 10% (in-network), network requirements apply
• Annual in-network out-of-pocket maximum: $2,250 individual/4,500 family
*Family deductible can be met by one family member
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2007 First Data Benefits
Health & Life Benefits
Medical
High Deductible Health Plan
Health Savings Account (HSA)
• Pay for qualified medical expenses (you decide when to use)
— Pay for current medical expenses (deductibles, prescription expenses)
— Save the money to pay for future medical expenses – such as claims or medical premiums during retirement
• You can contribute up to $3,100 employee only $6,250 family (+$1,000 if age 55+)
• Investment options for balances above $1,000 at UMB Bank include:
— Money Market Sweep Account
— HSA Brokerage Account
• Debit card – for tax-free withdrawals of eligible healthcare expenses
• Limited FSA – if participate in both HSA and HCFSA your FSA can be used ONLY for dental and vision
expenses
• No risk of losing the funds
— Funds roll forward each year (no use it or lose it)
— Take your HSA account with you (drop the plan, still have access to the funds for medical expenses)
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2007 First Data Benefits
Health & Life Benefits
Medical
PPO Coverage Detail:
• PPO Plan Administrators:
• United
• Nebraska, Iowa, Hawaii, Colorado, New York, Florida
• Choice Plus network for providers and facilities
• Aetna
• All other states
• Choice POS II for providers and facilities
• Aetna Aexcel Choice Plus II for specialty care
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2007 First Data Benefits
Health & Life Benefits
Medical
PPO Coverage Detail
• 100% preventive care coverage (not diagnostic)
— Routine physicals, immunizations, screenings (subject to age and
frequency rules)
• Access to in-network and out-of network coverage – greater savings
when you use in-network doctors
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2007 First Data Benefits
Health & Life Benefits
Medical
PPO Coverage Detail
•
Copays:
—$25 for Primary Care/$35 for Specialist*
—$150 ER/$75 Urgent Care
In-Network Benefits
Custom Choice PPO $400/90%/%Rx
Custom Choice PPO $900/80%/%Rx
Deductible
$400 individual/$1,200 family
$900 individual/$2,700 family
Coinsurance
90%/10%
80%/20%
Out-of-Pocket Maximum*
$3,000 individual/$9,000 family
$3,500 individual/$10,500 family
*If in United , yet do not utilize a Premium Provider – a $50 Copayment applies
*Copayments and prescription drug costs do not apply to this maximum. You continue to pay drug costs and
copayments after you reach the annual out-of-pocket maximum.
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2007 First Data Benefits
Health & Life Benefits
Medical
If you enroll in an Aetna plan the Aetna Aexcel Specialty Network may be a
requirement when selecting a specialist.
Aetna Aexcel Specialty Network provides access to some of the highest
performing specialists in the following specialty fields:
•Cardiology
•Cardiothoracic Surgery
•Gastroenterology
•General Surgery
•Neurology
•Neurosurgery
Obstetrics and Gynecology
Orthopedics
Otolaryngology/Ear/Nose and Throat
Plastic Surgery
Urology
Vascular Surgery
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2007 First Data Benefits
Health & Life Benefits
Medical
If in a United plan (PPO or HDHP), you must use a United Healthcare
Premium provider for specialty care in the following fields or pay the $50
copayment for services:
•
•
•
•
•
•
Allergy Service
Cardiac Service
Endocrinology
Nephrology
Neurology
Rheumatology
United Healthcare Premium providers are designated with two stars in
United’s online provider directory at www.myuhc.com.
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2007 First Data Benefits
Health & Life Benefits
Medical
Spousal Surcharge
Additional amount you pay for medical coverage if you enroll your spouse /domestic partner
in a First Data medical plan and they are eligible for coverage through their employer.
The surcharge does not apply if:
• You do not enroll your spouse/domestic partner in medical coverage
• Your spouse/domestic partner is not employed
• Your spouse/domestic partner is employed, but is not eligible for medical coverage
through their employer
• Your spouse/domestic partner is eligible for, or enrolled in, Medicare/Medicaid
• Your spouse/domestic partner is also a First Data employee
The additional surcharge amount is $900 per year deducted on a per-pay-period basis:
—$37.50 semi monthly pay period
—34.62 bi-weekly pay period
If during enrollment you fail to certify their status for medical coverage, deductions will
automatically begin with your first paycheck and will not be refunded.
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2007 First Data Benefits
Health & Life Benefits
Prescription Drug
Administered by Medco
• PPO Plan options – drug plan applies immediately
• HDHP - drug plan applies AFTER annual deductible has been met
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2007 First Data Benefits
Health & Life Benefits
Plan
Information – Rx
Prescription Drug
Retail Pharmacy
(30 day supply)
Mail Order Pharmacy
(90 day supply)
$7
$14
Brand Name Formulary
30%
30%
Brand Name Non-Formulary
45%
45%
Per-prescription cost maximum
$100
$250
Drug Type
Generic
Mandatory Generics - cost you’ll pay when you choose a brand name over a generic
Generic
Brand Name Formulary charge
Your cost = (brand cost – generic cost)
+ $7 generic copay
$7
$14
$100
Maximum cost will not
exceed script cost
maximum
$250
Maximum cost will not
exceed script cost
maximum
Medical exceptions or appeals should be directed to Medco at 800.841.5403
The fourth retail refill of a maintenance medication will be charged as follows
Generic
$14 regular
Brand Name Formulary
50% up to $250 per-prescription maximum
Brand Name Non-Formulary
100% up to $250 per-prescription maximum
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2007 First Data Benefits
Health & Life Benefits
Prescription Drug
Medco by Mail
$10 Medco Mail Order Generic Drug Program
• Like the discounts local grocery stores offer in your area
• 400 generic drugs at $10 or less for a 90-day supply through the
convenience of mail order
• www.medco.com/lowcostgenerics for a list of eligible drugs
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2007 First Data Benefits
Health & Life Benefits
Wellness Incentives
First Data’s focus on Wellness
• Promote positive health behaviors for optimal health and productivity
• Promote appropriate utilization of the health care system
• Support a healthy work site culture
Wellness programs address all aspects of well-being
• health risk assessments
• On-site flu shots
• Smoking cessation assistance
• Disease and lifestyle management programs
• Health advocates and coaches
• 100% coverage for preventive care
• EAP and work/life programs
Going Beyond
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2007 First Data Benefits
Health & Life Benefits
Wellness Incentives
SimplyWell®
SimplyWell provides a comprehensive wellness website at www.simplywell.com that
offers employees a wealth of health tools and resources, including:
• Daily health news
• Self-administered Individual Action Plans
• Healthy living resources and health guides
• Online health questionnaire also referred to as a health risk assessment or HRA
• Registration for health screenings
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2007 First Data Benefits
Health & Life Benefits
$650 in Wellness Incentives
$200 Wellness Challenge Incentive
• Complete three steps to qualify for the $200 Wellness Challenge Incentive
—Accept the Wellness Challenge Incentive during the online enrollment
—Register on SimplyWell’s Web site during your enrollment window*
—Complete an online Health Risk Assessment/Questionnaire*
$250 Tobacco-Free Incentive
• If you enroll in a First Data medical plan, and have not used tobacco in any form for a
year or more, a $250 annual incentive is available to you. Just select “I am Tobacco
Free” on the Wellness Incentive page on YBR.
$200 Health Screening Incentive
• Complete the onsite health screening in first quarter and receive an additional $200
annual incentive with credits beginning in May.
• Since the onsite clinics are only available during a select time each year, you will
automatically be credited with this incentive for 2012. Any future health screenings
will require your participation to earn the incentive.
*also a requirement for your spouse/domestic partner, if enrolled in a First Data medical
plan
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2007 First Data Benefits
Health & Life Benefits
Your Dental Plan Options
In-network Benefit Coverage
Feature
Aetna DMO
Deductible
(individual/family)
Annual Benefit
Maximum
In-network Coinsurance
(paid by plan)
Preventive/diagnostic
Basic restorative
Major restorative
Orthodontic
Lifetime Orthodontics
Maximum (orthodontics
for covered children up
to 19 yrs )
Summary Plan Description
MetLife Pref. Dentist
Plan A (PDP)
MetLife Pref. Dentist
Plan B (PDP)
$0
$50/$150
$50/$150
Not applicable
$1,500 per person
$3,000 per person
100%
90%
60%
50%
100%
80%
60%
50%
100%
90%
70%
50%
Not applicable
$1,500 per covered
child
$1,500 per covered
child
[http://www.firstdatabenefits.us/downloads/2010-HealthandLife2010SPDFINAL.pdf]
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2007 First Data Benefits
Health & Life Benefits
Your Vision Plan
•Vision Service Plan or VSP
•Access to either in-network or out-of-network providers – higher
cost savings when use in-network providers
Eye Exams
Lenses & Frames
Contact Lenses
You pay a $10 co-pay and the plan
pays the rest
•Your co-pay is $20 for lenses covered
under the plan
•Your co-pay is $20 for frames, which
are then covered up to the plan
allowance. Check with your VSP
doctor for details.
Please note: When you purchase
lenses and frames during the same
visit, your total co-pay is only $20
Covered by the plan up to $120
maximum
(co-pay does not apply)
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2007 First Data Benefits
Health & Life Benefits
Your Flexible
Spending Account
(FSA) Options
Flexible Spending Accounts (FSA) allow you to set aside
money from your pay (before taxes) for reimbursement
of eligible expenses related to:
•Health Care – for health expenses not covered by insurance for you and
your dependents.
•Day Care – for child care expenses while you work.
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2007 First Data Benefits
Health & Life Benefits
Your Flexible
Spending Account
(FSA) Options
Health Care FSA
Contribute up to $5,000/year before taxes
•Copays, deductibles
•Eyeglasses, contact lenses
•Chiropractic services
•Orthodontia
Contributions in a Health Care FSA can only be used toward dental and vision
expenses if you are also enrolled in a Health Savings Account (HSA)
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2007 First Data Benefits
Health & Life Benefits
Your Flexible
Spending Account
(FSA) Options
Two ways to access your Health Care FSA dollars
•Use your HealthHub/PayFlex MasterCard debit card at the point of
service
•Pay for claims with cash then submit receipts and claim form for
reimbursement
Be sure to save your receipts – IRS requires proof of purchase!
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2007 First Data Benefits
Health & Life Benefits
Your Flexible
Spending Account
(FSA) Options
Day Care FSA (DCFSA)
Contribute up to $5,000/year before taxes for day care
expenses while you work for:
•Dependent child (under age 13)
•Dependent adult (living with you who requires care while you work)
Not intended for medical, dental or vision expenses for your dependents.
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2007 First Data Benefits
Health & Life Benefits
Your Flexible
Spending Account
(FSA) Options
Care$ is a First Data subsidy for day care expenses
while you work
Who qualifies for this benefit:
•Full-time employees
•Earning $40,000 or less per year
•Must enroll to participate
Two coverage level points:
•$480 benefit if elect coverage but don’t contribute to DCFSA
•$720 benefit if elect coverage and contribute to DCFSA
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2007 First Data Benefits
Your Flexible
Spending Account
(FSA) Options
Reimbursement Process
• Submit claims for Health Care or Day Care expenses incurred directly
to PayFlex
— Claim forms found on HealthHub Web site
— Fax claim form and receipt to PayFlex
— Prompt reimbursement for eligible charges
• Estimate expenses carefully
— Don’t use funds, you lose the funds
• More details – check out
— www.firstdatabenefits.us
— Summary Plan Description (SPD)
— www.healthhub.com
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2007 First Data Benefits
Health & Life Benefits
Your Life Insurance
Options
Coverage
Level
Basic Life
Insurance
Basic AD&D
Business
Travel
Accident
Supplemental
Life Insurance
Voluntary
AD&D
Employee
Coverage
1 times annual
benefit salary
up to
$1,000,000
1 times annual
benefits salary
up to
$1,000,000
4 times annual
benefits salary
up to
$1,000,000
12 Options
$10,000 to
$1,000,000
$25,000 to
$1,000,000 up
to 10 times
annual
benefits salary
Spouse
Coverage
N/A
N/A
N/A
11 Options
$10,000 to
$500,000
60% of your
coverage
amount
Dependent
Child(ren)
Coverage
N/A
N/A
N/A
$,5000 or
$10,000
25% of your
coverage
amount
•EOI Requirements
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2007 First Data Benefits
Health & Life Benefits
Your Short- and
Long-Term Disability
Options
Short-Term Disability
•66 2/3 of pay
•Eligible after 90 days of employment
•14-day waiting period
•Paid for by First Data
Long-Term Disability
•90-day waiting period
•Basic LTD coverage = 50% of your benefits salary (paid for by First Data)
•Voluntary LTD coverage = 66 2/3% of your benefits salary (you pay for the
additional 16 2/3% coverage)
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2007 First Data Benefits
Health & Life Benefits
Additional Benefits
Employee Assistance Program (EAP) - Confidential counseling services for
all full and part-time employees and their family members, First Data
covers 100% of the cost
Unlimited telephone consultations or eight individual counseling sessions for:
• Chemical or alcohol dependency
• Mental health issues
• Marital or relationship problems
• Work/life balance issues
• Referrals for short-term counseling and child and elder care
Call EAP at 888.825.3509 for more information
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2007 First Data Benefits
Health & Life Benefits
Additional Benefits
Legal Plan
Access to telephone advice / office consultations for:
•Preparation of deeds
•Powers of attorney
•Wills
•Adoption
•Guardianship and custody
•And more
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2007 First Data Benefits
Other Employee Benefits
Overview
Health Advocate
•Available to employees, spouses, domestic partners, children,
parents, and spouses’ parents
•Phone service staffed by health care professionals to assist with:
-
Explaining a diagnosis, test results, and treatment plans
Scheduling appointments
Sorting out claims and billing questions and payment arrangements
Assisting in the transfer of medical records
Locating and researching current treatments for medical conditions
Navigating insurance companies to help obtain approvals for services
•Call 866.695.8622 for assistance
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2007 First Data Benefits
Enrolling for Benefits
Overview
Benefits begin on your effective date of coverage and remain in effect
until December 31
Can I change my health and life benefits during the year?
Qualified status change:
•Marriage, divorce, death
•Birth or adoption of a child
•Relocation that affects your eligibility for coverage
•Certain changes in employment status
•A dependent no longer satisfies eligibility requirements
You have 31 days from the event date to make benefits changes on the
Your Benefits Resources Web site.
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2007 First Data Benefits
Enrolling for Benefits
Overview
If you do not enroll by this time you will
not have coverage until January 1 (if you
enroll during the next Annual Enrollment
period)
Your enrollment information will be available
on the Your Benefits Resources Web site.
You can enroll between now and 31 days after
the date listed on your Enrollment Worksheet.
Within 5 days of
hire date
7-10 days after hire
date
Within 31 days of
Enrollment
Worksheet dates
You will receive an Enrollment Worksheet at
home. You do not need this worksheet to enroll
– the same information is also located on the
Your Benefits Resources Web site.
14-21 days after
confirming your
benefit elections
ID cards and debit cards will be received
by employee
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2007 First Data Benefits
Enrolling for Benefits
Overview
www.FirstDataBenefits.us
40
2007 First Data Benefits
Enrolling for Benefits
Overview
Your Benefits Resources (YBR)
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2007 First Data Benefits
Enrolling for Benefits
Overview
Guided Enrollment Page
42
2007 First Data Benefits
Enrolling for Benefits
Overview
43
2007 First Data Benefits
Enrolling for Benefits
Incentive Savings
Plan
First Data Corporation Incentive Savings Plan (ISP) Advantages
•Save for retirement through pre-tax payroll deductions
•Rollovers from a 401(k) plan or qualified IRA are accepted
•Immediate Company matching contributions
•Multiple investment funds to choose from – plus a Self-Directed Brokerage
Account for savvy investors
•Investment advice through Financial Engines Advisors L.L.C.
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2007 First Data Benefits
Enrolling for Benefits
Incentive Savings
Plan
ISP Enrollment: Two Choices
1. Actively enroll
• You choose to contribute up to 50% of eligible pay (up to the IRS
limits)
• You choose the funds you would like to invest in
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2007 First Data Benefits
Enrolling for Benefits
Incentive Savings
Plan
ISP Enrollment: Two Choices
2. You will be automatically enrolled after 30 days
• If you do not elect otherwise, you will be automatically enrolled with
a 3% salary deferral
• Your contribution rate will be escalated automatically by 1% each
year, up to 10% of your eligible pay or the IRS annual savings limit
• Your contributions will be invested in the Vanguard Target
Retirement Fund that most closely matches your target retirement
year, based on an assumed retirement age of 65
You can take action to change your contribution rate, diversify
your investments, or opt out of the ISP at any time
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2007 First Data Benefits
Enrolling for Benefits
Incentive Savings
Plan
•Contribute 1-50% of eligible pay (2012 IRS limit is $17,000 for
contributions, increased from $16,500 in 2011)
•If age 50+ in 2012, additional $5,500 “catch-up” contribution
•Company match = 100% of 1st 3% of contributions + 50% of next 1%
•You always own 100% of your contributions
•You are ‘vested’ (own) company match after 2 years
•Two ways to access your ISP account:
- www.firstdatacorporation.mercerhrs.com
- Call 866.239.0404
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2007 First Data Benefits
Other Employee Benefits
Overview
Tuition Reimbursement
• $5,250/year undergrad; $10,000/year graduate annual benefit
• Part-time employees eligible for half the annual benefit
• Eligible upon 1 year of service
Adoption Assistance
• $10,000/year/adoption for eligible expenses related to the adoption of a child
• Both Full and Part-time employees eligible for reimbursement
• Eligible upon 6 months of employment
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2007 First Data Benefits
Other Employee Benefits
Overview
• Scholars Choice College Savings Plan – section 529 Savings Plan
• Gift Matching Program
• MetLife Home and Auto
- Convenience of payroll deductions
• Employee Discount Program
- Discounted products and services after 4 weeks of employment
• Commuter Benefit
- Before-tax payroll deductions for qualified parking and transit services
- www.FirstDataBenefits.us to review plan specifics and eligibility
• PTO
- Contact your local Human Resources Generalist or Payroll
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2007 First Data Benefits
For More Information
Overview
If you have questions
about
Call
Visit
Health and Life Benefits
First Data Employee Resource
Line at 888-348-4835, option 1
then option 4 for benefits, Mon
– Fri, 7am – 7pm, Central Time
www.firstdatabenefits.us
select Enroll Here to link
to the YBR enrollment
Web site
Incentive Savings Plan
First Data Benefits Center at
866-239-0404, Mon – Fri, 9am
– 6pm Eastern Time
www.firstdatacorporation.
mercerhrs.com
Plan administrator contact information located on www.firstdatabenefits.us
FirstWeb – First Data’s Intranet Web site – https://myfirstweb.1dc.com
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2007 First Data Benefits