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Welcome!This is the 2014 edition of your Summary ofBenefits Handbook, which describes your benefitseffective January 1, 2014.The Handbook contains valuable informationabout the following benefit programs that theCompany offers to you and your eligibledependents. Health care plans (including prescription drug and mental health andsubstance abuse benefits), dental and vision coverage, the EmployeeAssistance Program, and the Wellness Program.“Company” DefinedThroughout this section, unlessotherwise stated, reference to“Company” or “PG&E” means PacificGas and Electric Company. For planssponsored by PG&E Corporation,reference to “Company” or “PG&E”means PG&E Corporation. The plansand benefits described in this sectionare also applicable to employees ofdesignated subsidiaries and affiliates,but only to the extent that such entitiesare participating employers with respectto the described plans or programs andsuch employees meet the eligibilityrequirements of the plans or programs. Flexible Spending Accounts (FSAs) that can help you pay for certainhealth care and dependent care expenses on a before-tax basis.PG&E offers two FSAs — the Health Care Flexible Spending Account and the Dependent Care FlexibleSpending Account. A Health Account will also be established for those enrolled in the Health Account Plan (HAP). Time off with pay such as vacation days, company-paid holidays, floating holidays, sick leave and leaves ofabsence, paid and unpaid. Disability benefits. Life and Accident Insurance plans, including Business Travel Insurance. Retirement benefits, including the Pacific Gas and Electric Company Retirement Plan, the Retirement SavingsPlan and Retiree Health Care coverage. Work/Life Benefits, such as Adoption Assistance, the Commuter Transit Program, the Tuition RefundProgram, discounts on gas and electric services for your home, as well as other Company-negotiateddiscounts.Who Is Eligible You are eligible to enroll in the benefits described in this Handbook if you are a full-time, part-time orprobationary union-represented employee. You are not eligible to participate in the benefits described in this Handbook if you are a temporary employeewho is not expected to become a regular employee, a Management, Administrative & Technical employee, acontract, agency, or hiring hall employee; or a retiree of the Company.Some benefits described in this Handbook, such as Retiree Health Care coverage, have additional criteria youmust meet to be eligible.Benefits Effective January 1, 2014For eligible union-represented employees1
Welcome!The Benefits AvailableThe Company offers IBEW-, ESC- and SEIU-represented employees certain benefits that give you choices and mayrequire you to make election decisions. Other benefits do not require election or enrollment decisions; you areautomatically covered if you are an eligible participant. For details on the various plan provisions, see individualplan sections in this Handbook as well as: The What If section for actions you may need or want to take when you experience a work/life event; The Health Care Participation section for health care plan eligibility and enrollment information;Whether you have just joined the Company and are about to choose your benefits for the first time or you areconsidering changing your existing benefits elections, you should evaluate your options with care. Be sure toconsider your future as well as your present needs when making your benefit decisions.Questions?If you have any questions about your benefits that are not answered by this Handbook or other benefit plandocuments, you can contact the HR Service Center at Company extension 8-223-4357, externally at415-973-HELP (415-973-4357) or toll-free at 800-788-2363. You can also send an email to the HR ServiceCenter at hrbenefitsquestions@exchange.pge.com or contact your union Business Representative or the LocalUnion Headquarters.2Benefits Effective January 1, 2014For eligible union-represented employees
Welcome!ContentsAbout this Handbook17Benefits at a Glance19Health Care Eligibility at a Glance20Enrollment Options at a Glance21Health Care Coverage at a Glance24HAP Medical at a Glance24EAP at a Glance28Mental Health/Substance Abuse at a Glance28Prescription Drugs at a Glance29Dental Coverage at a Glance31Vision Coverage at a Glance33Flexible Spending Accounts at a Glance33Health Account at a Glance34Disability Coverage at a Glance34Life and Accident Insurance at a Glance35Retirement Plans at a Glance35Time Off Benefits at a Glance37Work/Life Benefits at a Glance37What If 39Work Events41You Join PG&E41You Transfer from a Management or Administrative & Technical Position45You Reach Regular Status48You Work a Reduced (Part-Time) Schedule48You Take an Unpaid Leave of Absence51You Leave PG&E56You Retire58Family Events61You Get Married or Enter into a Registered Domestic Partnership61You Become Divorced or Legally Separated, or End a Registered Domestic Partnership64You Have or Adopt a Child or Become a Foster Parent or a Legal Guardian67You Move71You Lose Other Coverage, After Declining Company Coverage71Your Spouse or Registered Domestic Partner Retires72Health Events73You Are Injured or Sick and Absent from Work73You Are Disabled Long-Term and Go on LTD74You Become Terminally Ill or Die While an Active Employee76Annual EnrollmentBenefits Effective January 1, 2014For eligible union-represented employees803
Welcome!You Enroll for Benefits Each Year80You Need to Make a Mid-Year Change81Other Rules82Change-in-Status Events82Timeline for Health and Welfare Benefit Enrollment84Health Care Benefits87Health Care Participation89Eligible Dependents90Ineligible Dependents93If Eligibility Is Denied94Cost of CoverageContributions for Full-Time Employees95Contributions for Part-Time Employees95Contributions for Employees on Leaves of Absence96Contributions for Employees on Long-Term Disability96Medicaid and the Children’s Health Insurance Program (CHIP) Offer Free or Low-Cost HealthCoverage to Children and Families96Enrollment97New Hire Enrollment97Annual Open Enrollment98Declining Medical, Dental and/or Vision Coverage98Changing Your CoverageHIPAA Special Enrollment PeriodsIf You Have Other CoverageWhich Plan Is Primary for You?9999100101Which Plan Is Primary for Your Children?101Coordination with Medicare101Medicare and Active Employment103Reductions/Exclusions for Duplicate Coverage103Subrogation and Reimbursement104For KPIC Members Only106When Coverage Ends107Your Dependents107Extended Benefits When Coverage Ends107Continuing Coverage Under COBRA108Eligibility108When COBRA Coverage Ends111Cost of COBRA Continuation Coverage111How to Obtain COBRA Continuation Coverage112Review of COBRA Determination of Ineligibility112Conversion to an Individual Medical PolicyMedical Coverage495114115Benefits Effective January 1, 2014For eligible union-represented employees
Welcome!The Health Account Plan (HAP)117The HAP at a Glance120How the HAP Works125Network Providers125Non-Network Providers126Deductibles126Plan Maximums126Out-of-Pocket Maximums126Lifetime Maximums127Coinsurance and Benefit Percentages127Outpatient Hospital Services127Physician Office Visits127How Benefits Are Determined128Reasonable and Customary (R&C) Charges – Anthem HAP128Covered Health Services128Medically Necessary Services128Special Situations — Emergency Care and Treatment Away From Home129Receiving Care in Other Kaiser Permanente Regions129Emergency, Post-Stabilization, and Out-of-Area Urgent Care Received from Non-NetworkProviders – KPIC HAP130Treatment Away From Home131Medical Management ProgramsMedical Management – Anthem Blue Cross133133Utilization Review Program133Authorization Program135Medical Necessity Review Process137Personal Case Management137Medical Management Programs – KPIC138Utilization Review Program139Pre-Authorization and Referrals140What the HAP Covers142Acupuncture142Ambulance Services142Chiropractic Care142Home Health Care and Hospice Care143Services in Your Home143Hospice Facility143Hospital Care — Inpatient144Hospital Care — Outpatient145Organ and Tissue Transplants145Bone Marrow Donor Search145How to Obtain Authorization146Benefits Effective January 1, 2014For eligible union-represented employees5
Welcome!Transportation and Lodging146Inpatient Prescription Drugs146Professional Services146Psychiatric Care and Substance Abuse Treatment147Skilled Nursing Facility147Other Covered Medical Services and Supplies148Women’s Health and Cancer Rights Act150Newborns’ and Mothers’ Health Protection150What the HAP Doesn’t Cover151Mental Health and Substance Abuse Coverage155How Benefits Are Provided155Deductibles, Limits, and Coinsurance156How to Obtain Benefits159In Case of Emergency159What Is Covered Under the HAP160Medical Management and Authorization Programs161Medically Necessary162What Is Not Covered Under the Mental Health/Substance Abuse Provisions of the HAP163More About Mental Health and Substance Abuse Treatment Benefits164Claims and Appeals Process164Prescription Drug Coverage165Plan Benefits165Plan Benefits for Anthem HAP Members165Plan Benefits for KPIC Members166Generic Incentive Provision – Anthem HAP167Step Therapy Provision – Anthem HAP168Eligibility168How the Plan Works168For Anthem Blue Cross HAP members168For KPIC HAP members170What the HAP Covers171What the HAP Does Not Cover172Coordination of Benefits – Anthem HAP173Claims and Appeals173Glossary174Claims and Appeals Process180Claims and Appeals — Medical Benefits6180Filing a Claim180Payment of Benefits for Non-Network Benefits – Anthem Blue Cross182Benefit Determinations (Before an Appeal Is Filed)183To Resolve a Problem185If Your Claim Is Denied186Benefits Effective January 1, 2014For eligible union-represented employees
Welcome!Your Right to Appeal187Your Right to External Review by an Independent Review Organization (IRO)189PG&E Voluntary Claims and Appeals Review Process191Binding Arbitration for the KPIC HAP192Claims and Appeal Process — Mental Health and Substance Abuse Benefits195Filing a Claim195Inquiries, Benefit Certifications, and Claims196Your Right to Appeal196Your Right to External Review by an Independent Review Organization (IRO)198PG&E Voluntary Claims and Appeals Review Process200Claims and Appeals — Prescription Drug Benefits201Filing a Claim201Benefit Determinations (Before an Appeal Is Filed)202To Resolve a Problem202Your Right to Appeal203Your Right to External Review by an Independent Review Organization (IRO)205PG&E Voluntary Claims and Appeals Review Process206Wellness Program209Eligibility210Wellness Program at a Glance210Health Advocacy Services210Health Screenings211Telephonic Health Coaching211Online Health Risk Questionnaire212Health & Wellness Portal212Tobacco Cessation Program213Gym Discounts213Employee Assistance Program (EAP)215EAP Coverage at a Glance216Eligibility and Cost216CostConfidentialityCircumstances Limiting ConfidentialityHow to Use the Program216216217217Referrals218Leaves of Absence218Claims and Appeals Process218Filing a Claim218Appeal Procedures218Arbitration219PG&E Claims and Appeals Review Process220Medical Coverage for Participants on Long-Term DisabilityBenefits Effective January 1, 2014For eligible union-represented employees2237
Welcome!Health Account225Health Accounts at a Glance227Eligibility227How the Health Account Works228How to Earn Credits for Your Health Account228Setting Up Your Health Account230Reimbursement of Eligible Health Care Expenses230Deadline for Submitting Health Care Claims and Receipts233Availability of Health Account Credits for Reimbursement233Additional Health Account Credits for Financial Hardship234What’s Eligible and What’s Not235Health Account Eligible Expenses235Ineligible Expenses236Partial Prepayments236If Eligibility Is Denied236Health Account Claims and Appeals237More About the Accounts239If You Have Both a Health Care Flexible Spending Account (HCFSA) and a Health Account240If You Take a Leave of Absence Without Pay240If You Are on Long-Term Disability241If You Leave the Company241If You Retire242If You Are Re-Hired by the Company242The Health Account and COBRA for Spouses, Registered Domestic Partners and Dependents 242Dental Coverage243How Dental Coverage Works245Non-Participating Dentists245Predetermination of Costs245What’s Covered246Plan Limitations247What’s Not Covered248Claims and Appeals250Claims and Inquiries250Complaints and Appeals250PG&E’s Voluntary Claims and Appeals Review Process251Vision CoverageHow the Plan Works253253Non-VSP Providers254Benefits with VSP Providers254Benefits with Non-VSP Providers255What the Plan Does Not Cover8243Dental Coverage at a Glance255Benefits Effective January 1, 2014For eligible union-represented employees
Welcome!Value-Added Discounts from VSP Doctors256Claims and Appeals257Claims257Complaints and Appeals257Your Right to External Review by an Independent Review Organization (IRO)258PG&E Voluntary Claims and Appeals Review Process259Flexible Spending Accounts (FSAs)261Flexible Spending Accounts (FSAs) at a Glance263How this Section Is Organized263How Health Care Flexible Spending Accounts (HCFSAs) and Dependent Care Flexible SpendingAccounts (DCFSAs) Work264Eligibility, Enrollment and Administration264Setting Up Your Flexible Spending Accounts264Putting Money into Your Flexible Spending Accounts (FSAs)265Health Care Flexible Spending Account (HCFSA)266Deadline for Submitting Health Care Claims and Receipts269Dependent Care Flexible Spending Account (DCFSA)269Deadline for Submitting Dependent Care Claims and Supporting Documentation271When Reimbursements Are Available271Flexible Spending Account (FSA) Limitations271Questions About Claims for Reimbursement272Health Care Flexible Spending Account (HCFSA)273Eligible Expenses273Ineligible Expenses273Partial Prepayments273Claims and AppealsDependent Care Flexible Spending Account (DCFSA)274277Whose Expenses Are Eligible?277Eligible Expenses279Ineligible Expenses279Tax Credits280What Happens 283If You Take a Leave of Absence Without Pay283If You Are on Long-Term Disability or Workers’ Compensation285If You Retire or Leave the Company285If You Have Both a Health Care Flexible Spending Account (HCFSA) and a Health Account285Sick Leave & Disability287The Coverage Available289Eligibility, Enrollment and Cost290Sick Leave290Earning Sick Leave290Family Sick Leave293Benefits Effective January 1, 2014For eligible union-represented employees9
Welcome!Sick Leave Bonus Vacation Award293Using Sick Leave293Terminated Employees294Long-Term Disability (LTD) Plan294How Disability Is Determined295What the LTD Plan Does Not Cover297What Happens to Your Other Benefits297Plan I298Plan II301Plan III303Claims and Appeals — Plans I, II and III306Workers’ Compensation308Procedures in the Event of an Industrial Injury or IllnessSupplemental Benefits for Industrial Injury Plan309When Benefits Begin310How Much the Plan Pays310When Benefits End310Claims and Appeals311Life and Accident Insurance PlansGroup Life Insurance313316Employee Supplemental Life Insurance316Dependent Life Insurance316Eligibility, Enrollment and Cost317How Your Benefit Is Paid318Will Preparation Services319Estate Resolution Services319Accelerated Benefit Option (ABO)319Assignment of Benefits320Changing the Level of Your Coverage320What Happens 321When Coverage Ends322Converting Your Coverage to an Individual PolicyAccidental Death and Dismemberment (AD&D) Insurance10308322323Employee Voluntary AD&D Insurance323Dependent Voluntary AD&D Insurance323Eligibility, Enrollment, and Cost324How Your Benefit Is Paid324Beneficiary Designation325Travel Assistance and Identity Theft Solutions325Hospital Confinement Benefit326Additional AD&D Benefits327Exclusions to AD&D Benefits327Benefits Effective January 1, 2014For eligible union-represented employees
Welcome!What Happens 328When Coverage Ends328Claims and Appeals for Group Life and AD&D329Claims Relating to a Benefit329Claims Relating to Eligibility330State Legal Notices for Group Life Coverage331Business Travel Insurance (BTI)332Eligibility332How Business Travel Insurance Works332Amount of Coverage332BTI Benefits333Limitations and Exclusions334Claims InformationClaims Review ProcedureRetirement BenefitsRetirement Plan at a Glance334335337343The Retirement Plan Benefit Formulas343Retirement Plan Highlights344Retirement Plan — Final Pay Pension Benefit345Final Pay Pension Benefit at a Glance347Participating in the Final Pay Pension347How the Final Pay Pension Works348Your Pension Benefit348Credited Service349Vesting350Breaks in Service351When Benefits Are Payable351Early Retirement Benefits352Deferred Retirement Benefits353Benefits If You Leave PG&E Before Age 55353Minimum Distributions354Mandatory Distributions354Pre-Retirement Survivor’s Pension354Payments to a Lost Participant or Beneficiary354Payment Options355Single Life Pension355Joint Pension355Past Employee Contributions to the Retirement Plan356Changing Your Election357Facility of Payment357No Guarantee of Employment357Military Service357Benefits Effective January 1, 2014For eligible union-represented employees11
Welcome!Your Responsibility to Maintain a Current Address357Borrowing, Pledging, and Assigning Interests in the Plan358What Happens 358If You Leave the Company with a Vested Benefit and Want to Start Your Pension358If You Transfer to or from a Non-Union Position359If You Get Divorced359If You Die Before You Retire360If You Want to Begin Receiving Your Pension Benefit361If You Are Rehired361If You Also Have a Cash Balance Pension362If Your Benefit Is Affected by IRS Limits362Claims and Appeals362The Pension Benefit Guaranty Corporation364Tax Considerations364Retirement Plan — Cash Balance Pension Benefit367Cash Balance Pension Benefits at a Glance368Participating in the Cash Balance Pension368How the Cash Balance Pension Works369Pay Credits369Covered Pay370Interest Credits371A Cash Balance Pension Account Example371Vesting372When Benefits Are Payable372When Your Employment Ends373Mandatory Distributions373Minimum Distributions373Death Benefits373Payment Options12373Optional Forms of Annuity Payments374Making Your Payment Election375Changing Your Election375Loss or Reduction of Benefits376Facility of Payment376No Guarantee of Employment376Military Service376Your Responsibility to Maintain a Current Address376Borrowing, Pledging, and Assigning Interests in the Plan376What Happens 377If You Leave the Company377If You Get Divorced377If You Die Before You Retire377Benefits Effective January 1, 2014For eligible union-represented employees
Welcome!If You Die Within 30 Days of Your Retirement Date378If You Are Rehired on or After January 1, 2013379If You Also Have a Benefit Under the Final Pay Pension Formula380If Your Benefit Is Affected by IRS Limits380If You Take a Leave of Absence or Go on LTD381Claims and Appeals381The Pension Benefit Guaranty Corporation383Tax Considerations383Retirement Savings Plan385Retirement Savings Plan at a Glance388Participating in the Plan388Enrolling in the Plan388Automatic Enrollment in the Plan389Beneficiary Designation390Contributions390Vesting390Employee Contribution390Catch-Up Contribution391Matching Employer Contribution391Rollover Contributions from Previous Employer Plans392Contribution Limits393Investing394Investment Options394PG&E Corporation Stock Fund Information400Monitoring and Making Changes to Your Investments400Accessing Your Account402Loans402In-Service Withdrawals405Distributions After Your Employment Has Ended408Investment and Advisory Services409Financial Engines409Fidelity Education and Modeling Tools410Taxes and Penalties410What Happens412If You Are on an Authorized Leave of Absence413If You Leave PG&E or Retire413If You Die413If You Transfer to or from a Union Classification414If You Get Divorced414If You Get Rehired414Additional Plan Information414Significant Accounting Policies and Investment DisclosureBenefits Effective January 1, 2014For eligible union-represented employees41513
Welcome!Fees and Expenses415Plan Administration and the Corporation’s Power and Duties416Participant Account Activity and Plan Service Provider416Claims and Appeals Procedures416Borrowing, Pledging, and Assigning Interests in the Plan417Future of the Plan417Qualified Domestic Relations Orders (QDROs)418Facility of Payment418No Guarantee of Employment418Military Service418Missing Participants418Requests for Documents419Retiree Medical Coverage421Your Medical Plan Options421Eligibility421Surviving Dependents422Changing Your Coverage422Retiree Medical Savings Account (RMSA)423What Is the RMSA?423Postretirement Life Insurance429Amount of Coverage429Time Off and Leaves431Time Off and Leaves at a Glance433Vacation Program433Earning Vacation433Illness While on Vacation435Service Anniversary Days435How to Schedule or Defer Your Vacation436Work In-Lieu of Vacation436Excess Vacation Payout436Voluntary Vacation Transfer436Vacation Pay Upon Termination437Re-employment with the Company437Paid Holidays437When a Holiday Falls on a Weekend or Non-Workday438Work Performed on a Holiday438Floating Holidays438Part-Time Employees439Leaves of Absence14439Determination for Eligibility and Entitlements under FMLA/CFRA Leave440Types of Leave441Union Business Leave450Benefits Effective January 1, 2014For eligible union-represented employees
Welcome!Other Time Off450Jury Duty451Funerals451Adoption452Voting452Family School Partnership Act (FSPA)452Victims of Domestic Violence, Sexual Assault or Stalking Act (VDVA)452Victims of Crime Act (VCA)453Victims of Crime to Testify454Civil Air Patrol Leave455Emergency Duty Leave and Volunteer Firefighter Training455San Francisco Family Friendly Workplace Ordinance (SF FFWO)456Work/Life BenefitsAdoption Expense Reimbursement Program457459Eligibility459What the Program Covers459How to Apply459Claims and Appeals460Commuter Transit mployee Discount462Requesting the Discount and Change of ResidenceLegal/Financial Solutions (ValueOptions)Eligibility463463463Cost464How to Use Legal/Financial Solutions464PG&E Children’s Center464Eligibility and Enrollment464Claims and Appeals465Tuition Refund Program467Eligibility468Tuition Refund Application468Course Approval Criteria468Excluded Programs and Courses of Study469Tuition Costs Covered469Tuition Costs Not Covered469What the Program Will Pay470Work/Life Program (ValueOptions)471Rules, Regulations & Administrative Information473Plan Amendment and Termination474Benefits Effective January 1, 2014For eligible union-represented employees15
Welcome!Contacts16Plan Administration474Your Rights Under ERISA474Health Information Privacy and Data Security476Forfeiture of Unclaimed Benefit Payments481Facility of Payment482Administrative Information482The Health and Welfare Benefits Pre-Tax Plan482The Pacific Gas and Electric Company Health Care Plan for Active Employees483The Pacific Gas and Electric Company Health Care Flexible Spending Account Plan486The Long-Term Disability Plan487The PG&E Corporation Disability Plan489The Supplemental Benefits for Industrial Injury Plan490The Pacific Gas and Electric Company Group Life Insurance Plan491The PG&E Corporation Business Travel Insurance Plan492The Pacific Gas and Electric Company Retirement Plan493PG&E Corporation Retirement Savings Plan for Union-Represented Employees (formerlycalled the Pacific Gas and Electric Company Savings Fund Plan for Union-RepresentedEmployees)495The Pacific Gas and Electric Company Health Care Plan for Retirees and SurvivingDependents496The Pacific Gas and Electric Company Postretirement Life Insurance Plan496The Pacific Gas and Electric Company Children’s Center Program497The Tuition Refund Program498499Benefits Effective January 1, 2014For eligible union-represented employees
About this HandbookThis Handbook and other applicable Summary Plan Descriptions (SPDs) are for your future reference when youwant to find details about PG&E benefit plans and programs. When changes are made to these programs, PG&Ecommunicates those changes to employees. In many, but not all instances, changes are communicated throughSummaries of Material Modifications (SMMs) and other employee notices. SMMs are frequently part of the OpenEnrollment materials. Please keep the communications that notify you of changes in the employee benefitprograms with this Handbook for future reference. You can also access this Handbook and SMMs online atwww.mypgebenefits.com and other reference documents on the PG&E@Work intranet site.Plan Documents GovernThe plan document for the plans described in this Handbook, the terms of this Summary of Benefits Handbookwhich pertain to the respective plans, and the documents which are Summaries of Material Modifications tothose plans govern the operation of the plans. If a conflict exists between these documents and any othercommunications or documents, these documents shall govern the operation of the plans. However, in the eventof any conflict between the terms of this Summary of Benefits Handbook and/or Summaries of MaterialModifications and the formal plan documents, the formal plan documents will control.The Employee Benefit Committee of PG&E Corporation is the Plan Administrator of these plans and has thediscretionary authority to interpret and construe the terms of the plan documents, to resolve any conflicts ordiscrepancies between documents and to establish rules which are necessary or desirable for the administrationof the plans.Xerox HR Services is the third-party administrator engaged by the Plan Administrator to fulfill certainrecordkeeping and administrative functions for the Retirement Plan.Plan Amendment and TerminationThe Company, acting through its authorized representatives, reserves the right to amend or terminate any or all ofthe plans described in this Handbook at any time and for any reason, or to suspend contributions to the plans, inwhole or in part, at any time, subject to any applicable collective bargaining agreements.Any change to the plans or the termination of any plans will not affect the benefits payable to plan members(also known as “participants”) before the date the plan was changed or ended, but such change may result inreduced levels of benefits or benefit coverage, or higher levels of employee contributions, after the effective dateof any such change.In the event that the Company terminates a plan for any reason without replacing it, you will be given notice.The plans may also be terminated by judicial action if the Company is bankrupt or insolvent, or upon completedissolution, merger, consolidation or reorganization without provision by a successor-company for continuation ofthe plans.Benefits Effective January 1, 2014For eligible union-represented employees17
About this Handbook18Benefits Effective January 1, 2014For eligible union-represented employees
Benefits at a GlanceThe Company gives you the opportunity to select from among a varietyof benefits so you can tailor your benefits package to suit your ownspecial needs. You have a choice of medical, dental, vision and lifeinsurance plans, as well as other options, such as tax-free FlexibleSpending Accounts (FSAs), for health care and dependent careexpenses.NOTE: This section is meant as a brief summary, and employees shouldrefer to the appropriate sections of the Summary of Benefits Handbookfor a more detailed discussion of each benefit. Benefits are governed bythe terms of the respective plans themselves, not these summaries. Anyinconsistencies will be governed by the terms of the plans.“Company” DefinedThroughout this section, unlessotherwise stated, reference to“Company” or “PG&E” means PacificGas and Electric Company. For planssponsored by PG&E Corporation,reference to “Company” or “PG&E”means PG&E Corporation. The plansand benefits described in this sectionare also applicable to employees ofdesignated subsidiaries and affiliates,but only to the extent that such entitiesare participating employers with respectto the described plans or programs andsuch employees meet the eligibilityrequirements of the plans or programs.If You Have QuestionsIf you have any questions about your benefit options, dependent eligibility or any other benefits, you can send anemail to the HR Service Center at hrbenefitsquestions@exchange.pge.com, or you can contact the HR ServiceCenter at Company extension 8-223-4357, externally at 415-973-4357 or toll-free at 800-788-2363.In This SectionSee PageHealth Care Eligibility at a Glance20Enrollment Options at a Glance21Health Care Coverage at a Glance24HAP Medical at a Glance24EAP at a Glance28Mental Health/Substance Abuse at a Glance28Prescription Drugs at a Glance29Dental Coverage at a Glance31Vision Coverage at a Glance33Flexible Spending Accounts at a Glance33Health Account at a Glance34Disability Coverage at a Glance34Life and Accident Insurance at a Glance35Retirement Plans at a Glance35Time Off Benefits at a Glance37Work/Life Benefits at a Glance37Benefits Effective January 1, 2014For eligible union-represented employees19
Benefits at a GlanceHealth Care Eligibility at a GlanceEligibility for you, theemployeeEligibility for your familymembersIn general, you are eligible for the health care coverage, regardless of whether youare a probationary employee or have reached regular status, if You are actively employed as a full-time or part-time employee, or aprobationary union-represented employee. You are represented by the IBEW, ESC, or SEIU.In general, the following are eligible dependents: Your spouse or domestic partner Your children who are under age 26, including stepchildren, children bornduring a registered domestic partnership, foster children, legally adoptedchildren, and children for whom you have been permanently appointed legalguardianship by a court (does not include the legal wards of yourspouse/domestic partner) The childr
For eligible union-represented employees Welcome! This is the 2014 edition of your Summary of Benefits Handbook, which describes your benefits . Retirement benefits, including the Pacific Gas and Electric Company Retirement Plan, the Retirement Savings Plan and Retiree Health Care coverage. Work/Life Benefits, such as Adoption Assistance, the .
