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2017 Benefit Overview Booklet 2017 MSD Benefits Overview This document is an outline of the coverage proposed by the carrier(s). It does not include all of the terms, coverage, exclusions, limitations, and conditions of the actual contract language. The policies and contracts themselves must be read for those details. Policy forms for your reference are available upon request. The intent of this document is to provide you with general information regarding the status of, and/or potential concerns related to employee benefits. It should not be construed as, nor is it intended to provide, legal advice. BENEFITS OVERVIEW Metropolitan St. Louis Sewer District is proud to offer a comprehensive benefits package to eligible, full-time employees and their dependents. Employees share the cost of some benefits (Medical, Dental), and MSD provides other benefits at no cost (Basic Life and Accidental Death & Dismemberment (AD&D), Long-Term Disability. In addition, there are voluntary benefits (Voluntary Life and AD&D, Legal Services Plan, Accident, Hospital Indemnity, and Critical Illness) with reasonable group rates that can be purchased through MSD payroll deductions. Benefit Plans Offered Q Medical Q Dental Q Basic Life and Accidental Death & Dismemberment (AD&D) Insurance Q Flexible Spending Account (FSA) Q Voluntary Life and AD&D Q Long-Term Disability Q Legal Services Plan Q Voluntary Benefits Q Accident Insurance Q Hospital Indemnity Q Critical Illness Eligibility Full-time employees and their eligible dependents are qualified for MSD’s benefits upon 30 days of employment. Eligible dependents are your spouse, children under age 26, or disabled dependents of any age. Elections remain in effect until the next open enrollment unless you or your family members experience a qualifying event. MEDICAL BENEFITS Administered by Cigna The District offers two medical plan options to choose from. Both plans include prescription drug coverage and one annual refractive eye examination with an optometrist. Open Access Plan (PPO) High Deductible Health Plan (HDHP) In-Network Out-of-Network In-Network Out-of-Network Lifetime Benefit Maximum Unlimited Unlimited Annual Deductible $600 single / $1,200 family $1,800 single / $3,600 family $1,500 single / $3,000 family $4,500 single / $9,000 family Annual Out-of-Pocket Maximum (including deductible, coinsurance, and copays) $3,000 single / $6,000 family $9,000 single / $18,000 family $4,500 single / $9,000 family $13,500 single / $27,000 family Coinsurance 80% / 20% 60% / 40% 80% / 20% 60% / 40% DOCTOR’S OFFICE Primary Care Office Visit $25 copay Deductible, 60% / 40% $25 copay Deductible, 60% / 40% Specialist Office Visit (including Urgent Care) $35 copay Deductible, 60% / 40% $35 copay Deductible, 60% / 40% Wellness Care (routine exams, x-rays/tests, immunizations, well baby care and mammograms) 100% covered Covered In-Network only 100% covered Covered In-Network only PRESCRIPTION DRUGS Retail—Generic Drug (31-day supply) $15 copay $15 copay $15 copay $15 copay Retail—Formulary Drug (31-day supply) $35 copay $35 copay $35 copay $35 copay Retail—Nonformulary Drug (31-day supply) $70 copay $70 copay $70 copay $70 copay Mail Order—Generic Drug (90-day supply) $37.50 copay Not Covered $37.50 copay Not Covered Mail Order—Formulary Drug (90-day supply) $87.50 copay Not Covered $87.50 copay Not Covered Mail Order—Nonformulary Drug (90-day supply) $175 copay Not Covered $175 copay Not Covered HOSPITAL SERVICES Emergency Room $200 copay, waived if admitted $200 copay, waived if admitted Inpatient Deductible, 80% / 20% Deductible, 60% / 40% Deductible, 80% / 20% Deductible, 60% / 40% Outpatient Surgery Deductible, 80% / 20% Deductible, 60% / 40% Deductible, 80% / 20% Deductible, 60% / 40% Ambulance Service 100% 100% Open Access Plan (PPO) High Deductible Health Plan (HDHP) In-Network Out-of-Network In-Network Out-of-Network MENTAL HEALTH & SUBSTANCE ABUSE SERVICES Inpatient Services Deductible, 80% / 20% Deductible, 60% / 40% Deductible, 80% / 20% Deductible, 60% / 40% Outpatient Services $35 copay Deductible, 60% / 40% $35 copay Deductible, 60% / 40% OTHER SERVICES All other maternity hospital/ physician services Deductible, 80% / 20% Deductible, 60% / 40% Deductible, 80% / 20% Deductible, 60% / 40% Muscle Manipulation Services 26 day annual maximum benefit $35 copay Deductible, 60% / 40% $35 copay Deductible, 60% / 40% Physical Therapy Services 60 days per calendar year $25 copay Deductible, 60% / 40% $25 copay Deductible, 60% / 40% Occupational and Speech Therapy Services 20 days per calendar year per therapy type $25 copay Deductible, 60% / 40% $25 copay Deductible, 60% / 40% Skilled Nursing 120 days per calendar year combined with other care facilities Deductible, 80% / 20% Deductible, 60% / 40% Deductible, 80% / 20% Deductible, 60% / 40% Vision Exam One Eye Exam per calendar year Materials are not covered $25 copay Covered In-Network only $25 copay Covered In-Network only Urgent Care $35 copay $35 copay $35 copay $35 copay EMPLOYEE MEDICAL RATES DENTAL BENEFITS Administered by Cigna MSD offers comprehensive dental coverage for services ranging from X-rays and routine cleanings, to fillings and orthodontic care. There are two dental plans to choose from. The District contributes $10 towards the monthly cost of coverage. Network Dental Plan Passive PPO Plan In-Network Out-of-Network In-Network Out-of-Network Annual Deductible $0 single / $0 family $100 single / $300 family $50 single / $150 family $50 single / $150 family Annual Benefit Maximum (per person) $2,000 $1,000 $1,500 $1,500 Preventive Dental Services (cleanings, exams, x-rays) 100% 70% / 30% Deductible waived 100% Deductible waived 100% Deductible waived Basic Dental Services (fillings, root canal therapy, oral surgery) 80% / 20% Deductible, 50% / 50% Deductible, 80% / 20% Deductible, 80% / 20% Major Dental Services (extractions, crowns, inlays, onlays, bridges, dentures, repairs) 50% / 50% Deductible, 20% / 80% Deductible, 50% / 50% Deductible, 50% / 50% Orthodontia Services Lifetime Maximum $1,500 $1,000 $1,500 $1,500 Orthodontic Services 50% / 50% Covered for children and adults Deductible, 50% / 50% Covered for children and adults Deductible, 50% / 50% Coverage for dependent children under age 19 Deductible, 50% / 50% Coverage for dependent children under age 19 EMPLOYEE DENTAL RATES $17.59 $40.88 $69.50 $4.84 $14.74 $26.92 LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE (AD&D) Administered by Cigna Life Insurance The company provides basic life insurance of one times your Annual Compensation up to $200,000 at no cost to you. Life coverage begins upon 30 days of employment. Accidental Death and Dismemberment (AD&D) Life Insurance Accidental Death and Dismemberment (AD&D) insurance provides a benefit payment to you or your beneficiaries if you lose a limb or die in an accident. MSD provides AD&D coverage of one times your Annual Compensation up to $200,000 at no cost to you. This coverage is in addition to your company-paid life insurance described above. AD&D coverage begins upon 30 days of active service. VOLUNTARY LIFE AND AD&D INSURANCE Insured by Cigna You may purchase life and AD&D insurance in addition to the company-provided coverage. You may also purchase life and AD&D insurance for your dependents if you purchase additional coverage for yourself. You are guaranteed coverage (up to the lesser of two times your salary not to exceed $500,000, and $10,000 for your spouse) without answering medical questions if you enroll when you are first eligible. Voluntary Life and AD&D coverage begins after 30 days of active service. Employee – Up to five times your salary in increments of your annual compensation - $500,000 maximum amount Spouse-$10,000 Children-$5,000 – You can apply for Voluntary Life and/or Voluntary AD&D for yourself and your dependents at any time during the year. However, after your initial enrollment period of the first 30 days of employment, you must provide evidence of insurability. Any amount of coverage above the Guaranteed Amount also requires evidence of insurability. If you receive a salary increase that causes your voluntary coverage to increase above the Guaranteed Amount, you must provide evidence of insurability for that additional amount. The amount you are covered for, whether for Basic or Voluntary Life, increases once a year at the plan anniversary date, February 1. FLEXIBLE SPENDING ACCOUNTS (FSAs) Administered by BeneFlex There are two individual Flexible Spending Accounts- one for healthcare expenses and one for dependent childcare. You can enroll in one or both FSAs. You use each account separately, but they work similarly. You can save money on your healthcare and/or dependent day care expenses with an FSA. You set aside funds each pay period on a pretax basis and use them tax- free for qualified expenses. You pay no federal income or Social Security taxes on your contributions to an FSA (That's where the savings comes in). Your FSA contributions are deducted from your paycheck before taxes are withheld, so you save on income taxes and have more disposable income. The maximum Healthcare Spending limit is $2,600 and Dependent Care Spending limit is $5,000. VISION REIMBURSEMENT ACCOUNT (HRA) Administered by BeneFlex MSD provides each employee and/or their dependents $100 per fiscal plan year (July 1 – June 30) towards vision expenses (eyeglasses, contacts, safety glasses and Lasik Surgery/Eye Surgery). You may carry over the balance of the account for up to a maximum of $300 in a plan year. LONG-TERM DISABILITY INSURANCE Administered by Liberty Mutual MSD provides Long-Term Disability insurance (LTD) coverage for at no cost. LTD coverage provides income when you have been disabled for 90 days or more. The benefit is 60% of your monthly earnings up to $6,000 per month during the time you are disabled. VOLUNTARY BENEFIT PLANS Accident Insurance Administered by Voya Accident insurance provides coverage for a wide variety of accidental injuries, including broken bones, concussions, and burns, and covered events such as medical treatment or hospitalization due to an accident. It pays fixed benefits for events tied to a covered accident and can be used for any purpose you choose. Hospital Indemnity Insurance Administered by Voya Hospital Confinement Indemnity Insurance provides a benefit for eligible hospital confinements. Benefits include a hospital confinement benefits, Critical Care Unit benefits and Rehabilitation Facility benefits. As with Accident Insurance, you choose how to use the benefit you receive. Critical Illness and Cancer Insurance Administered by Aflac Critical Illness insurance provides a lump sum cash benefit when the insured experiences a covered condition. This lump sum payment can be spent on anything — whether it is directly related or not to the critical illness including: Q Medical copays and deductibles Q Mortgage and rent payments Q Other household expenses Your benefit is paid in full regardless of any other insurance you may have in force. Critical illness typically covers the following: Q Heart Attack Q Stroke Q Cancer Q Variety of other conditions depending on the policy This coverage is also available for spouses and children. Also included is a wellness benefit that pays the cost of one health screening test per calendar year, up to $50 maximum. Employee Contributions for Benefits Benefit Plan Rates $2.23 per employee regardless of number of eligible dependent children Dependent Life Insurance Single $.03 per $1,000/ Voluntary AD&D Insurance Family $.05 per $1,000 Hyatt Legal $18.25 Hospital Indemnity Plan Employee $17.80 Employee + Spouse $38.09 Employee + Child $28.19 Family $48.48 Group Accident Plan Employee $9.03 Employee + Spouse $15.22 Employee + Child $17.14 Family $23.33 Benefit Plan Monthly Rate OPEN ACCESS PLAN (OAP) Employee $136.94 Employee + Spouse $437.58 Employee + Child(ren) $397.58 Family $606.45 HIGH DEDUCTIBLE PLAN (HDHP) Employee $89.30 Employee + Spouse $336.08 Employee + Child(ren) $305.36 Family $465.78 DENTAL PLAN (Cigna) PASSIVE PPO PLAN Employee $38.12 Employee + One $88.58 Employee + Family $150.58 Voluntary Life Rates AGE BAND RATE PER $1,000 <25 $.074 25 – 29 $.077 30 – 34 $.102 35 – 39 $.130 40 – 44 $.154 45 – 49 $.228 50 – 54 $.379 55 – 59 $.678 60 – 64 $.952 65 – 69 $1.799 70+ $2.915 VACATION  SICK LEAVE  HOLIDAYS VACATION (Eligible to use upon successful completion of original Probationary period. Accrual begins upon hire.) SICK LEAVE (Eligible to use upon successful completion of three months of service. Accrual begins upon hire.) HOLIDAYS (Eligible upon hire) GOOD ATTENDANCE AND FLOATING HOLIDAY LEAVE (Eligible upon successful completion of 6 month probationary period.) There is the potential to have up to 5 floating holidays in a payroll year! Length of Continuous Service Monthly Accrual Rate Annual Accrual Max. Accumulation at End of Payroll Year Less than 5 years .833 10 days 30 days 5 but less than 10 years 1.250 15 days 35 days 10 but less than 20 years 1.666 20 days 40 days 20 or more years 2.083 25 days 45 days Length of Continuous Service Monthly Accrual Rate Annual Accrual Up to 5 years .833 10 days 5 to 20 years .916 11 days 20 years or longer 1 12 days 10 per year 2017 MSD HOLIDAYS OBSERVANCE NEW YEARS’ DAY January 1 Monday, January 2 MARTIN LUTHER KING’S BIRTHDAY Third Monday in January Monday, January 16 PRESIDENT’S DAY Third Monday in February Monday, February 20 MEMORIAL DAY Last Monday in May Monday, May 29 INDEPENDENCE DAY July 4 Tuesday, July 4 LABOR DAY First Monday in September Monday, September 4 VETERAN’S DAY As designated by the Governor of Mo. Friday, November 10 THANKSGIVING DAY As designated by the President of the US Thursday, November 23 THANKSGIVING FRIDAY The Friday following Thanksgiving Friday, November 24 CHRISTMAS DAY December 25 Monday, December 25 SPECIAL HOLIDAYS As designated by the Executive Director and approved by the Board of Directors As scheduled & approved in advance. Employees are entitled to two (2) Floating Holidays Each Payroll Year Absences in a Calendar Year Additional Days to Earn the Following Payroll Year 3 Days or Less Earn 1 Floating Holiday 1 Day or Less Earn 2 Floating Holidays No Absences Earn 3 Floating Holidays Eligibility After 6 Months of Employment for Additional Days Status Days Eligible Employees hired on or before January 1 3 Employees hired January 2 through March 31 2 Employees hired April 1 through August 31 1 Employees hired after August 31 Ineligible RETIREMENT Administered by Vanguard Defined Contribution Plan (401a) The Defined Contribution Plan enables you to save for retirement by combining a Fixed Contribution of 7% contributed by the District with an opportunity for you to make a voluntary contribution to your Deferred Compensation Plan of up to 4% and receive a District Matching Contribution of 50% without paying federal or state income taxes on the contributions or the earnings until it is distributed from the Plan. Deferred Compensation Plan (457) The Deferred Compensation Plan enables you to save and invest for retirement without paying federal or state income taxes on the contributions until funds are distributed.   Convenient savings through payroll deduction!  You are 100% vested in the value of your account!  MSD pays the administrative fee for all participants! Employees are 100% vested in the Employee Voluntary contribution and the District’s Matching Contribution. The District’s Fixed Contribution is subject to a 20% per year vesting schedule. MSD provides 7% automatically for Defined Contribution (401a) If you make a contribution of 4% towards your Deferred Compensation (457) MSD will provide an additional 2% towards your Defined Contribution (401a) You can receive 13% per paycheck towards retirement!