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AT&T Benefits Guide for Dobson Bargained Employees 2008Welcome to AT&T!We’re pleased to have you with us and to introduce you to the benefits offeringsavailable. AT&T provides you with a comprehensive, competitive and personalizedbenefits package that gives you flexibility and choices when making decisionsabout your health, your finances and your home and work lives. We are committedto giving you the tools and information that you need, when you need it, so thatyou can understand your benefits options and make informed decisions.In September, you received a booklet titled “Your Guide to Your 2009 Benefits.”Now that you are a bargained employee, that communication no longer applies.Instead, this guide and the tools listed on page 8 will provide you with all of yourbenefits information as well as instructions for enrolling in your benefits for theremainder of this year and for 2009.1
An Overview of Your AT&T BenefitsThis booklet provides you with a high-level look at the benefits plans and programs that youwill be eligible for the rest of this year and for 2009. Coverage for health and welfare benefitsdescribed in this guide, unless otherwise noted, will begin on Oct. 19.It’s possible that your 2009 benefits options may change in 2009 contingent on the outcomeof the current arbitration proceeding required by the 2004 National Bargained Benefit Plan.Should there be a change mandated by the arbitration process, you will receive additionalcommunications at that time instructing you on what you will need to do. To ensure that you and your family get the most out of your benefits and enrollin the right benefits for the rest of this year and for 2009, it is important that you:1Carefully review the information in the booklet.2Go to HROneStop and review the rest of your benefits information, including yoursummary plan descriptions, summaries of material modifications, prospectusesand plan documents.3Enroll in your benefits for the remainder of 2008 and for 2009 by following theinstructions on page 6.Distributed to:New Dobson bargained employees.IMPORTANTThis document was written to make it easier to read. So, sometimes it uses informal language, like “AT&Temployees,” instead of precise legal terms. Also, this is only a summary, and your particular situation could behandled differently. More specific details about your benefits, including eligibility rules, are in the summary plandescriptions (SPDs), summaries of material modifications (SMMs) or the plan documents. The plan documentsalways govern, and they are the final authority on the terms of your benefits. AT&T reserves the right to terminateor amend any and all benefits plans, and your participation in the plan is neither a contract nor a guarantee offuture employment.2
Your HealthMedicalMedical1-Color Benefits IconsVersion 02.20.02EMSUse SBC Emphasis Black or SBC Brand Mark Blue. Interior of circlePrescriptionin white. No screens. Addition of Energy Yellow radial gradiant ilityDentalDentalDisabilityDrugsYour options for medical coverage, andDental coverage helps pay for routineGeneral Benefitsthe applicable costs, are listed on yourdental care, as well as many basic andefits IconsVersion 02.20.02online EMSenrollment worksheet found onmajor restorative services. Your entalcoveragephasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiantfill TBD. are listed on your onlineoffered non-HMO medical option includes medical,enrollment worksheet. Dental benefits are offeredolor Benefits IconsVersion 02.20.02EMSsurgical, prescription drug and mental health/separately from your medical program options.General Benefitse SBC EmphasissubstanceBlack or SBC ditionofEnergyYellow radialgradiantFlexible SpendingMentalHealth/fill TBD.Employee Assistanceabuse (MH/SA)Flexiblebenefits.mayHealth/also Employee AssistanceSpending You MentalLong-Term CareAccountsChemical DependencyPlanCarePlusLong-Term CareAccounts CarePlusChemical DependencyPlanhave the option of enrolling in an alternativePrescriptionmanaged care product (as describedbelow), MedicalGeneral BenefitsDisabilityVisionDentalDrugsVisionif available in your area.Vision coverage helps pay for eye exams,eyeglasses, contact lenses and frames.In addition, participants may be eligiblefor referrals to providers who perform laser visionAlternative ManagedPrescriptionDisability correction procedures at a discounted price. VisionMedical ProductsVisionDentalDrugsCareLeave ofLeave ofSavingsPlansproduct PensionInsurance areAbsenceBeneficiaryPaid Time Offseparatelybenefitsofferedfrom your medicalmanagedcareSavings Plans Your alternativePensionLife InsuranceAbsence LifeBeneficiaryPaid Time Offprogram options.(e.g., EPO) options, if offered in your area,PrescriptionFlexible SpendingMental Health/Employee g-TermCareDrugsAccountsChemical DependencyPlanare listed on your online enrollmentNote: Your vision vendor for the remainder ofworksheet found on the AT&T Benefits Center2008 will be VSP. Your vision vendor for 2009 willWeb site. If you enroll in an alternative managedbe EyeMed Vision Care.care product, your medical, surgical, prescriptiondrug and MH/SA benefitsFlexibleare SpendinggenerallyMentalprovidedHealth/Employee AssistanceCarePlusCareAccountsChemical edcareproduct.Product ConcessionsTuition Aid Commuter Tuition apply.AidAdoption VoluntaryVoluntary BenefitsLifeCareSomeexceptionsAT&T EmployeeAssistanceCarePlusLong-Term CareFlexible SpendingAccountsMental Health/Employee nProgramLife InsurancePaid Time OffLeave ofAbsenceContact the EPO directly by calling the EPO serviceThe AT&T Employee Assistancecenter telephone number provided on your onlineProgram provides you and your familyenrollment worksheet. When you call the EPOwith professional and confidentialstock optionsshares of stockworkers compensationWellness Web siteExpatsstockof stockthe workerscompensationWellness Web siteExpatsservice center,beoptionspreparedsharesto givereferenceassessments and referrals. The program offersLeave ofnumber that is located in the Group ID fieldmarriage, family and relationship problems;Savings PlansPensionLife InsuranceAbsence help withBeneficiaryPaid Time Offreferenced on the health plan comparison chartsalcohol and drug abuse problems; and emotional,found on the AT&T Benefits Center Web site. Be surepersonaland stress-related problems.Leave ofto say SavingsthatPlansyou are anAT&T participant.ThisPensionLife InsuranceAbsenceBeneficiaryPaid TimeBenefitsOffProduct s the service center associate answer yourspecific questions.Note: Options are based on your home ZIP code.Voluntary BenefitsTuition AidTuition AidVoluntary Benefitsstock optionsProduct ConcessionsAdoptionAdoptionshares of stockstock optionsProduct Concessionsworkers compensationshares of stockstock optionsCommutershares of stockLifeCareCommuterWellness Web siteworkers compensation3Wellness Web siteworkers compensationLifeCareExpatsExpatsWellness Web siteBeneficiaryLifeCare
MedPlusCarePlusLong-Term CareFlexible SpendingMental Health/Employee AssistancePensionAccounts Savings PlansChemical DependencyPlan Life InsuranceLife InsurancePaid Time OffLeave ofAbsenceBeneficiaryMedPlus is an optional, participant-paidEligible AT&T employees are automaticallyprogram thatcovered for employer-paid basic lifefinancialprotectionagainstthe radial gradiant fill TBD. insurance and accidental death andBrand Mark Blue. Interior providesof circle in white.No screens.Addition ofEnergy Yellowhigh cost of certain medical procedures generallydismemberment (AD&D) coverage. No enrollmentnot covered by your medical program. You (andis required. In addition, you may choose toBenefitsyour eligibleGeneraldependents)may be eligible topurchase supplemental life insurance forenroll in MedPlus regardless of any other medicalLeave of yourself and/or dependent life insurance for yourSavings PlansPensionLife InsuranceProduct ConcessionsTuition Aid Absence AdoptionCommuterBeneficiaryVoluntary BenefitsPaid Time OffLifeCarecoverageyou have.spouse/legallyrecognized partnerand children.The AT&T Benefits Center Web site provides youwith the cost of supplemental and dependent nof Energyradial gradiant fill m and Long-Term)Disabilitystock optionsEligibleDentalemployeesPrescriptionwhoare absentfromDisabilityDrugswork as a result of illness or injurymay tion AidAdoptionVoluntary Benefitsdisability benefits as a continuing source of income.Coverage is effective after six months of service,including your legacy Dobson service.VisionIt’sto note that yoursupplementalsharesimportantof stockworkers compensationWellness Web siteExpatsinsurance rates may be higher for 2009 than theyare for the remainder of 2008. Also, Prudential willbe your lifeLifeCareinsurance vendor for 2008 and MetlifeCommuterwill be your life insurance vendor in 2009.Note: Depending upon the timing of yourenrollment and/or the level of coverage sought, yourrequested coverage and effective date may beWellness Web siteExpatssubject to Evidence of Insurability requirements.Refer to your online enrollment worksheet or theAT&T Benefits Center Web site for details or checkyour applicable summary plan description.al Health/Employee AssistanceDependencyPlanePlusTime Offgs PlansConcessionsntary Benefitscompensationstock optionsFlexibleSpendingAccountsshares Health/of stockworkers compensationMentalEmployeeAssistanceChemical DependencyPlanLong-Term Care InsuranceLong-Term CareLong-term care insurance is an optional,participant-paid benefit that provideseligible employees (and their eligiblefamily members) with access to extended carewhen a covered individual has an ongoing illnessoforLeavedisabilityand Beneficiarycannot care for himself or herself.AbsenceCoverage is designed to help pay for qualifiedLeave ofPensionLife InsuranceAbsencePaid Time Offexpensesrelatedto nursinghome care, qualifiedassisted living facilities, home health care andadult day care. You can apply for group long-termcare insurance at any time during the year, andyou pay the full cost of this insurance throughconvenient payroll deductions. You are guaranteedacceptanceinto theAT&T Long-Term Care InsuranceCommuterLifeCarePlan if you apply for coverage within 31 daysProduct ConcessionsTuition AidAdoptionCommuterof your hire date. A statement of health will berequired if you apply after this period.Wellness Web sitestock optionsshares of stockBeneficiaryLifeCareExpatsworkers compensationWellness Web siteExpats4
isionPension PlanPensionntary BenefitsTuition AidMental Health/Chemical DependencyLife Insurancestock optionsPaid Time Offion AidAdoptions of stockDentalPrescriptionDrugsDisabilityLeave ofAbsencePaid Time OffSavings PlanSavings PlansBeneficiaryPensionLife InsurancePaid Time OffLeave ofAbsenceThe AT&T company 401(k) savings plansprovideyou with Mentalan avenuetosaveforFlexible SpendingHealth/EmployeeAssistanceLong-Term CareAccountsChemical DependencyPlanretirement through the direct deductionof a portion of your eligible pay on a before- orafter-tax basis. Also, you will be eligible to receivea company matching contribution on the amountyou choose to contribute. The savings plan offersProduct ConcessionsProduct ConcessionsAdoptionCommuterTuition AidVoluntary BenefitsLifeCareseveralfeaturesthat make Adoptionit an attractivesavingsUse SBC Emphasis Black or SBC Brand Mark Blue. Interior of circle in white. No screens. Addition of Energy Yellow radial gradiant fill TBD.vehicle. You will receive enrollment information atEmployee AssistancePlanLeave ofwhenLeave ofyourhome mailingaddress letting you knowSavings PlansPensionLife InsuranceAbsencePaid Time OffAbsenceBeneficiaryPaid Time OffGeneral Benefitsyou are eligible to participate. Participating in thisprogram on a before-tax basis can reduce yourstock optionsshares of stockshares of stockworkers compensationworkers compensationWellness Web sYour Home and WorksuranceptionVisionThe AT&T company pension plans helpDisabilityprovideretirementfundsfor your untsChemical DependencyPlanYou do not make contributions becausethe plans are entirely funded by AT&T. If you areeligible to participate in an AT&T company pensionplan, you will automatically begin participating inIcons dateVersionEMSthe applicable1-Colorplan Benefitsas of theyou 02.20.02are eligible.Term CareoptionsLife ionMedicalDisabilityYour Financesngs PlansSpendingountsPrescriptionDrugsDentalLeave ofAbsenceBeneficiaryAdoption Reimbursement ProgramProduct ConcessionsCommuterMedicalVoluntary BenefitsLifeCareVisionThis program reimburses employees forcertain costs associated with the legaladoption of a child.shares of stockworkers compensationWellness Web siteCommuterTuition AidDentalPrescriptionAdoptionDrugsProduct ConcessionsDisabilityCommuterLifeCareAT&T offers tuition aid to supporteligible employees in their professionaldevelopment. These funds can be usedto help cover the cost of qualified expenses thatstockoptionsshares of stockby theworkerscompensationWellness Web sitehavebeen approvedcompany.ExpatsEmployee Discounts — EmployeePreferred Customer DiscountsProduct ConcessionsTuition AidLifeCareFlexible SpendingAccountsMental Health/Employee AssistanceChemical DependencyPlanFlexible Spending AccountsCarePlusLong-Term CareHere at our company, we believethe moreyou understand and use our products andservices, the more you’ll recommend themto your family and friends. You may be eligible forworkerscompensationdiscountson popularAT&T-brandedproductsandWellnessWeb siteExpatsservices, where available, such as wireless services,high speed and dial-up Internet services, AT&TU-verse TV service, AT&T DISH Network satellite TVSavings PlansPensionservice, as well as local and long distance telephoneservices. To learn which products and services areavailable to you, visit the Employee at Home Web site.(http://attathome.att.com)Participating in flexible spending accounts(FSAs) — the health care FSA and/or thedependent care FSA — is an easy way toreduce your taxes and increase your spendableincome. An FSA allows you to set aside before-taxmoney — money that comes out of your paycheckbefore Social Security, federal,and most state andLeave ofLife InsuranceAbsenceBeneficiaryTime Offlocal income Paidtaxesare deducted— to reimburseyourself for eligible out-of-pocket health careexpenses (such as deductibles, coinsurance orcopayments, many over-the-counter medications,as well as prescription drugs, contact lenses,eyeglasses, orthodontia and hearing aids) and/ordependent care expenses (such as child care orelder care) incurred throughout the year.Additionally, AT&T’s top customers providediscounts on their products and services throughthe AT&T Employee Preferred Customer Program.Tuition AidVoluntary BenefitsTo learn more about this program and availablediscounts from AT&T’s top customers, visit HROneStop.Adoptionstock optionsshares of stock5Product Concessionsworkers compensationCommuterWellness Web siteLifeCareExpats
How to Get StartedPREPARE Carefully review your online materials found on the AT&T Benefits Center Web site. You can also go tothe Your Benefits section of HROneStop (from work) or access.att.com (from home) to learn more about the benefitsavailable to you and access your summary plan descriptions (SPDs) and summaries of material modifications (SMMs). Youcan also link to the AT&T Benefits Center Web site to view your personalized information and to enroll that same day!TAKE ACTION There are two steps you must take to ensure that you and your family have the right benefits for therest of 2008 and for 2009.1. Enrolling in Benefits for the Remainder of 2008Beginning Oct. 22, log on to the AT&T Benefits Center Web site to review your benefits options and costsand to get enrolled. If you have questions about medical, dental, vision, life insurance, flexible spending accountenrollment or contributions, call the AT&T Benefits Center and speak with a service center associate.You have 31 days to enroll in your 2008 health care benefits — such as medical, dental and vision —IF YOU TAKE NO ACTION, YOU WILL BE DEFAULTED TO NO MEDICAL, DENTAL OR VISION COVERAGE.The AT&T Benefits Center Web site will reflect your enrollment window and the number of days remainingfor you to enroll.Even though your AT&T Benefits are effective Oct. 19, continue to use your Dobson medical and dental benefitsuntil Oct. 31. We encourage you to enroll in your new AT&T benefits before Nov. 1 to avoid any gap in coverage.2. Enrolling in Benefits for 2009Beginning Nov. 17, and after you enroll for your 2008 coverage, you will have a second enrollment windowto make elections for 2009. The AT&T Benefits Center Web site will show your enrollment window for thisannual enrollment period. If you take no action, you will automactically be enrolled in the same benefits for2009 as you chose for the remainder of 2008, with the exception of the flexible spending accounts. Flexiblespending accounts require active elections each year during annual enrollment.Enroll for Your Benefits OnlineTo enroll for your benefits online, visit the AT&T Benefits Center Web site at http://resources.hewitt.com/att.Before enrolling, you must establish a specialized AT&T Benefits Center user ID and password.1. Go to http://resources.hewitt.com/att.2. Click on Register as a New User.3. Follow the instructions.Enroll yourself and your eligible dependents in the benefits coverages and/or programs listed below(if you are eligible) by the date specified on your enrollment information. Medical Dental Vision MedPlus Flexible spending accounts (FSAs) Supplementary life insurance Dependent life insuranceIMPORTANT: Refer to your health plan SPDs for a complete list of dependents eligible for coverage under yourcompany benefits. Also review the online Health and Dental Plan Comparison Charts for high-level plan information.6
Want More Information?Go OnlineWhat ElseYou Should KnowOnce you’ve enrolled, it may take a couple of weeksbefore your eligibility information becomes availableto your health care administrator. In the meantime,if you have questions about your enrollment, callthe AT&T Benefits Center at 877-722-0020.The following resources can help you learnmore about your benefits:HROneStop (from work):http://hronestop.att.com Your Benefitsaccess.att.com (from home):http://access.att.com Your BenefitsNote: Once you’ve enrolled, if you or an eligibleenrolled dependent has a medical emergency orneeds medical attention before you receive yourmedical ID cards, contact the AT&T BenefitsCenter and speak to a service center associate.The Your Benefits section serves as your one-stopresource for news and information related to yourhealth, your finances and your home- and work-lifeissues. Use it to stay current on the latest benefitsnews and to access tools and resources to help youmanage your benefits online, including your SPDsand SMMs.Be sure to print the Completed Successfullypages for both your 2008 and 2009 benefits, andkeep them for your records. These will serve asyour Confirmation of Enrollment statements.These statements list the benefits you haveelected for yourself and for your eligibledependents. Review them carefully.Note: When you visit the Your Benefits sectionfor the first time, you will be asked to select thestatus and subsidiary that apply to you. You mayask your supervisor if you have questions.Dependent EligibilityVerificationDisability and Leaveof Absence ClaimsProviding you and your eligible dependentswith competitive health and welfare benefits isimportant to AT&T. Part of keeping the benefitplans competitive is to ensure that only eligibledependents — as defined by the AT&T benefitplans — have access to benefits coverage. As aresult, participants who enroll new dependentsfor coverage are required to provide documentsto verify that their dependents meet the eligibilityrequirements for benefits coverages.Beginning Oct. 19, Nationwide Better Health(NBH) will be your administrator for disabilityclaims and leaves of absence, including requestsfor Family Medical Leave (FMLA).Follow these steps to apply for a leave or disabilitythat begins on or after Oct. 19:1. Call NBH at 866-453-2837 and select option 5.The call center is open Monday through Fridayfrom 9 a.m. to 5 p.m. Eastern time.2. Identify yourself as a legacy Dobson employee.3. You will be transferred to a claimsrepresentative who will assist you with yourapplication. NBH will determine eligibility forcoverage, make all claim determinations andnotify you of its determination.Once you enroll your dependents for coverage, the AT&TBenefits Center will mail you a Dependent EligibilityVerification kit outlining the steps you need to taketo establish that your dependents are eligible tobe covered in AT&T benefit plans. Failure to complywith the verification process will result in yourdependents being dropped retroactive to the datethat their coverage became effective, and COBRAcoverage will not be available. In addition, you maybe personally liable for any benefit costs incurred forthe dependent while the dependent was enrolled.In December, you will be transitioning to the AT&Tdisability, FMLA and leave of absence administrationprocesses. Information about this transition will beincluded in separate communications.7
Key Tools to Help You Understand and Use Your BenefitsToolPurposeHow to AccessOnline enrollment worksheet Instructs you on how to enroll in your(or the Enroll in Your Benefits health care, life and flexible spendingpage of the AT&T Benefitsaccount plans/programs.Center Web site)Visit the AT&T Benefits Center Web siteat http://resources.hewitt.com/att.Medical and Dental PlanComparison ChartsList and compare the benefits offeredunder the medical and dental programsfor which you are eligible and the costsof such programs.Visit the AT&T Benefits Center Web siteat http://resources.hewitt.com/att.Benefits UpdatesProvide updates and importantinformation about your companyoffered benefit plans/programs.Visit the Your Benefits section ofHROneStop or access.att.com andclick on Your Benefits Updates.Where to Go for More InfoWeb siteProvides a one-stop reference forfrequently called numbers, Web siteaddresses and other importantcontact information.Summary Plan Descriptions(SPDs), Summaries ofMaterial Modifications(SMMs) and/or ProspectusSupplementsProvide descriptions of your benefitsand rights under an employee benefitsprogram in which you are an eligibleparticipant or beneficiary.AT&T BeneficiaryDesignation FormProvides you with a form andinstructions on how to designatethe people, estate or trust that willreceive the proceeds of your benefitsprograms in the event of your death.Explains your rights to temporarycontinuation of coverage in certaincases when you or your covereddependent(s) lose eligibility forhealth care coverage.Explains how protected healthinformation about you may beused and disclosed and your rightspertaining to this information.Visit the Your Benefits section ofHROneStop or access.att.com andclick on the Where to Go for MoreInfo link located on the right-handside of the screen under BenefitsTools and Resources.You can access copies online in theYour Benefits section of HROneStopor access.att.com by clicking on YourSummary Plan Descriptions. (You maybe directed to other Web sites thatrequire a separate log in.)Contact the Fidelity Service Center at800-416-2363 to request a form.COBRA Rights NoticeNotice of Privacy Practicesfor Protected HealthInformation (PHI) brochure8Or call the AT&T Benefits Center at877-722-0020. Representatives areavailable Monday through Friday from7 a.m. to 7 p.m. Central time.Hours of operation: Monday through Fridayfrom 7:30 a.m. to 11 p.m. Central timeAT&T Benefits Center will mail youa packet that contains this notice.AT&T Benefits Center will mail youa packet that contains this notice.A copy is also available online in theYour Benefits section of HROneStopor access.att.com by clicking on YourHealth Medical.
insurance. It's important to note that your supplemental insurance rates may be higher for 2009 than they are for the remainder of 2008. Also, Prudential will be your life insurance vendor for 2008 and Metlife will be your life insurance vendor in 2009. Note: Depending upon the timing of your enrollment and/or the level of coverage sought, your
