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A Guideto YourAwesomeBenefitsDiscover all that is available to youwith this comprehensive guide.ADP, the ADP logo, and Always Designing for People are trademarks of ADP, LLC.Copyright 2019 ADP, LLC. All rights reserved.
A Guide to YourAwesome BenefitsHey there! We’ve created this guide to help you explore all the amazingbenefits available to you through your employer’s partnership withADP TotalSource . We’re excited to walk you through the basics ofthese benefits and direct you to where you can learn more.Ready to enroll?Great! Be sure to visitadptotalsource.adp.com to learnwhich benefits your employer offers.This site is available throughoutthe plan year. And it’ll be your go-towebsite for Open Enrollment and NewHire Enrollment. Be sure to bookmarkit for when you’re eligible to enroll inyour benefits, and also revisit it whenyou need to make updates.
Table ofContentsDig in! There are so many greatbenefits to explore. Click on themain section headers or specificbenfits to read more.Hello, Awesome BenefitsA Benefits Package Like No OtherBeyond Basic Coverage, Customizedto Your NeedsEnrolling in Your BenefitsAccident InsuranceYour Benefits at a GlanceAccidental Death and DismembermentInsuranceGroup Legal PlanSo Many Benefits at Your FingertipsMedical InsuranceHealth Advocate Basic Life and Accidental Death andPersonal Loss InsuranceGroup Term Life InsuranceCritical Illness InsuranceHospital Indemnity InsuranceFuneral Planning ServicesExtra Benefits and Support forWherever Life Leads YouShort- and Long-Term Disability CoverageEmployee Assistance ProgramDental InsuranceEmployee DiscountsVision InsuranceADP University401(k) Retirement Savings PlanMedical Benefits AbroadHealth Savings AccountResources to Help You Every Stepof the WayHealth Care Flexible Spending AccountADP TotalSource WebsiteDependent Care Flexible Spending AccountADP Mobile Solutions AppCommuter BenefitsMyLife AdvisorsMyLife WebsiteThis Is Just the Beginning Now What?
Hello,AwesomeBenefitsA Benefits Package Like No OtherEnrolling in Your BenefitsYour Benefits at a GlanceLooking for more?Check out full plan details.Back to Table of Contents
A Benefits PackageLike No OtherEmployee benefits are some of the most important perks youget from your employer.This guide walks you through thebenefits your employer may makeavailable to you. Please note thatavailable benefits will vary depending onwhat your employer has selected, so notevery benefit listed here may be applicable.What’s more, some benefits requirepredetermined eligibility, whereas othersare available to all.Your employer has partnered withADP TotalSource to give you access tothe same quality and selection of benefitstypically offered at larger corporationsand FORTUNE 500 companies. Yourstandard, everyday coverage — medical,life, and disability insurances offeredthrough the ADP TotalSource Health andWelfare Plan — is just the beginningof your available package.1 You mayalso have access to a 401(k) retirementsavings plan; dental and vision insurance;and voluntary benefits such as accidentinsurance, employee assistance programs,and career training and developmentopportunities.Whether or not you’re eligible for a benefitthrough the Health and Welfare Plan,you and your family members can receivediscounts for entertainment venues, likemovie theaters and amusement parks, aswell as restaurants, mobile phone plans, andtravel reservations. For employees who haveto pay to park or ride to work, commuterbenefits let you use pre-tax dollars to helpput some money back in your pocket.1Availability of medical, dental, vision, and Flexible SpendingAccount plan options depend on your employer’s elections as wellas insurance carrier availability. Please refer to your enrollmentmaterials for the specific benefits available to you.Back to Table of Contents
Enrolling in Your BenefitsOnce you are registered with ADP TotalSource, you’ll start the journey ofreviewing and enrolling in the benefits options offered by your employer.Here’s what you need to know.New Hire Enrollment:You are new to ADP TotalSource and we consider this to be your first enrollmentperiod, ever. If you just started at a new job, or your employer rolled out newbenefits options, this is your chance!Open Enrollment:You can review your benefits again every year and update them as needed. OpenEnrollment takes place every spring, with your new benefits elections taking effectJune 1. For most people, that makes Open Enrollment their once-a-year chance tochoose benefits. You can update your benefits elections during the plan year only ifyou experience some qualifying life event, such as marriage, divorce, birth, or adoption.But don’t worry about figuring it out on your own. We’ll be in touch during thesetimes. You’ll receive emails, video links, and access to online resources throughout theenrollment period. We’ll help you understand your options and tell you what you needto do and by when. By all means, please call a MyLife Advisor if you have a question.We have you covered.Mark your calendar:The benefits plan year is June 1 through May 31.Back to Table of Contents
Your Benefitsat a GlanceBenefits1AutomaticallyOpen Enrollment2 orNew Hire EnrollmentMedical InsuranceHealth Advocate 3If you have questions at any time, we’realways a phone call away, so don’thesitate to reach out to aMyLife Advisor at 844-448-0325.Bonus: These are real people, ready tohelp — no computer conversations andno elevator music. We promise.Click on the benefits options listed toread more.Basic Life and Accidental Death and Personal Loss InsuranceFuneral Planning Services 4Short- and Long-Term Disability CoverageDental InsuranceVision InsuranceHealth Care Flexible Spending AccountDependent Care Flexible Spending AccountAccident InsuranceGroup Term Life InsuranceAccidental Death and Dismemberment InsuranceGroup Legal PlanCritical Illness InsuranceHospital Indemnity InsuranceEmployee Assistance ProgramDependent on what your employer has made available to you.Or if you experience some qualifying life event, such asmarriage, divorce, birth, or adoption.3Must be enrolled in a medical plan.4Available only if you are enrolled in the Basic Life Insurance.5Employer must purchase.12401(k) Retirement Savings PlanDependent on your employer’s plan.Medical Benefits Abroad 5Available to you at any time.Commuter BenefitsAvailable to you at any time.Employee DiscountsAvailable to you at any time.ADP UniversityAvailable to you at any time.Health Savings AccountAvailable to you at any time.Back to Table of Contents
So ManyBenefitsat YourFingertipsMedical InsuranceDental InsuranceHealth Savings AccountHealth Advocate Vision InsuranceBasic Life and Accidental Deathand Personal Loss InsuranceHealth Care FlexibleSpending Account401(k) Retirement Savings PlanFuneral Planning ServicesMedical Benefits AbroadShort- and Long-TermDisability CoverageHealth Savings AccountLooking for more?Check out full plan details.Dependent Care FlexibleSpending AccountCommuter BenefitsBack to Table of Contents
MedicalInsuranceWe know that benefits are notone-size-fits-all. That’s why we offer avariety of medical plans, so you can selectwhat works best for you. Each medical planincludes prescription coverage and out-ofpocket maximum protection. Preventive care,such as checkups and vaccinations, may beavailable at no cost. Plus, there are evenrewards for living a healthy lifestyle, withsome plans granting reimbursements foractive gym memberships. Other costs andpotential reimbursements will depend onyour selected plan.When to sign up:If you are eligible for this benefit, you cansign up during Open Enrollment or NewHire Enrollment.Back to Table of Contents
Health Advocate Health Advocate is a service that assists you and your family in managing healthcare, resolving claims, and coordinating care. It comes at no cost to you, as thisservice is automatically available to all employees, their spouses or domesticpartners, dependent children, parents, and parents-in-law who are enrolled in anymedical plans through ADP TotalSource.Health Advocate can provide you with thefollowing services: Finding the right doctors and hospitals Scheduling tests and appointments Accessing secure second opinions Explaining benefits coverage and conditions Researching treatment options Resolving billing and claims issues Negotiating savings via Medical Bill Saver Help is only a phone call away.Contact 24/7 support at 866-695-8622.When to sign up:If you enroll in an ADP TotalSource medical plan,you are automatically enrolled in this service —at no cost to you.Back to Table of Contents
Basic Life and AccidentalDeath and Personal LossInsuranceBasic term life insurance coverage protects you and your family in the event of deathorpersonal loss. It can also provide access to a portion of the life insurance benefitsif you or a loved one are diagnosed with a terminal illness. In addition, through ourpartnership with MetLife AdvantagesSM, your basic life insurance also provides accessto additional valuable services that help you make the right decisions during difficulttimes. This includes preparing for the future with funeral planning services, assistancethrough life changes with transition solutions when moving from a company, andsupport through difficult times with estate planning, and grief counseling. Read tolearn more.When to sign up:Based on your employer’s offerings, you may beautomatically enrolled in this benefit — at nocost to you.Back to Table of Contents
Planning for the futureWe think it’s important to offer you benefits at every stage of life. With your BasicLife Insurance coverage, you also have access to meaningful services to help youmake the right decisions to manage what life may bring – from preparing importantlegal documents to funeral planning services offered through our partner, MetLife.They’ll help you plan arrangements and make the most informed decisions, and thenput those wishes into action.These services include: Online Will preparation from www.willscenter.com (you may need to registeras a new user) Funeral Planning Services with access to information on the planning process as wellas Funeral Concierge Services from www.metlife.com/funeralplanning/ A unique way to create a heritage through the Digital Legacy program fromwww.metlifeinfinity.com or download the MetLife Infinity AppWhen to sign up:No need. This service is automaticallyavailable to you at no additional cost if you areenrolled in a basic term life insurance plan.Back to Table of Contents
Short- and LongTerm DisabilityCoverageShort- and long-term disability coverageprovides you with financial protection — aportion of your income — when a disability,illness, or injury keeps you from working for abrief or extended amount of time.The disability coverage includes:Replacement of a portion of weekly ormonthly incomeAccess to educated, knowledgeablestaff available via phone, email, or mailAssistance returning to work assoon as it’s medically safeWhen to sign up:Based on your employer’s offerings, you may beautomatically enrolled in this benefit — at nocost to you.Back to Table of Contents
DentalInsuranceWe believe a healthy smile is a beautifulsmile, so we’ve created dental plans thatcompletely cover preventive services such asany cleanings, X-rays, and oral exam servicesoffered from in-network providers. Additionalservices, such as fillings, oral surgeries, andorthodontics, may also be available to you,but out-of-pocket costs will depend on yourco-insurance rate.We partner with a number of carriers, eachwith their own unique coverage options andadditional benefits.When to sign up:If you are eligible for this benefit, you cansign up during Open Enrollment or NewHire Enrollment.Back to Table of Contents
Vision InsuranceYour eyes deserve the best care. By enrollingin VSP Vision Care, you’ll receive service,coverage, and discounts for exams, glasses,contact lenses, and laser vision correction. VSPdoctors are dedicated to providing you withpersonalized care so your eyes can stay healthyyear after year. While you can choose any eyecare provider with your VSP coverage, you’ll getthe most out of your benefits and have lowerout-of-pocket costs when you select a VSPChoice Network doctor.To learn more and to findout if a specific doctorparticipates in this network,visit vsp.com.When to sign up:If you are eligible for this benefit, you cansign up during Open Enrollment or NewHire Enrollment.Back to Table of Contents
401(k) RetirementSavings PlanWe believe in the value of saving for your future. If your employer has chosen to offer a401(k) plan, we encourage you to take advantage of it. Whether your employer participates inthe ADP TotalSource Retirement Savings Plan or a different plan, various investment optionsmay be available to offer you flexibility for all your retirement savings goals. Keep in mind,however, that if eligible, you and your employer’s selected plan contributions and vestingschedules for employer contributions may vary under the ADP TotalSource RetirementSavings Plan.With the ADP TotalSource RetirementSavings Plan, you can:See if you’re saving enough forretirement with a simple quiz.Lower the taxes you paytoday with pre-tax 401(k)Create a portfolio that’s rightfor you from a variety ofWatch your savings grow on atax-deferred basis.When to sign up:This benefit has specific criteria foreligibility. If eligible, you will be notified byVoya and then you can sign up at any timeduring the plan year.Receive personalized retirement savingsand investing advice.Back to Table of Contents
The Voya Retire mobile app:Here you can view your 401(k) balance, change contributions andinvestments, and find relevant articles about retirement planningand investing.Always remember: Investing in your retirement is one of the mostimportant actions you can take for your future. Be sure to save withan individual retirement account and, if offered, take advantage of youremployer’s 401(k) program.Back to Table of Contents
MedicalBenefitsAbroadIt includes perks such as:24-hr supportby trainedspecialistsLocal hospitaladmissionsassistanceConcierge andtravel assistanceservicesThrough Cigna Global Health Benefits,we’re able to offer Medical BenefitsAbroad coverage, a special traveler’s policyfor employees whose work takes themaround the globe. This quality medical careautomatically covers you in the case ofaccident or illness requiring emergencymedical assistance while you’re on businessoutside of your country of residence.When to sign up:Contact your employer to find out if you areeligible for this benefit. You can purchase it atan additional cost during the plan year and thenreceive automatic coverage when travelingoutside of your country of citizenship orpermanent assignment.Back to Table of Contents
Health Savings AccountA Health Savings Account, also known as an HSA, can be used to pay for qualifiedmedical expenses either now or in the future through an individually owned savingsaccount. We’ve made this benefits option available to you when you enroll in a highdeductible health plan. It’s offered through Optum Bank and here’s how it works.(It’s just like any other bank account, really.)When to sign up:You are eligible for this benefit at anytime.However, you must elect to open an HSA bythe 1st of the “month” or you forfeit thatmonth’s employer contribution (if youremployer contirbutes). Contributions are tax-free. Potential interest gains accumulate tax-free. Distributions are tax-free, when used to pay for qualified medical expenses. The money belongs entirely to you — you determine your contribution andkeep the funds, even if you change jobs, health plans, or you retire. An Optum Mastercard debit card can be used to pay for any number ofmedical needs, such as eyeglasses, hearing aids, and prescriptions, as well asoffice copays and doctor visits. This is a personal savings account. You are responsible for monitoring andcontrolling the funds that go into your account, so that you do not go overyour annual contribution limit. Click here to learn about tax consequences forexceeding the annual contribution limit and other plan details.To learn more or to manage your account, visit optumbank.comor call Optum Customer Care at 800-243-5543. Representativesare available Monday through Friday, 8 a.m. to 10 p.m. ET, andSaturday and Sunday, 9 a.m. to 5:30 p.m. ET.Back to Table of Contents
Health Care FlexibleSpending Account1Another way to save and pay for your eligible health care expenses is through aFlexible Spending Account, also known as an FSA. With Optum’s Flexible SpendingAccount, administered through ADP TotalSource, you get to decide how much tocontribute throughout the year, and the money will be deducted from your paycheck,tax-free, every pay period. But what’s great about it is that the full value of yourannual contribution is immediately available for use at the start of the plan year.This account also offers a carryover feature, in that up to 500 of any unusedamount remaining in the prior plan year can be carried over to the new plan year.Anything over this amount will be lost if not filed for reimbursement by the filingdeadline, which is July 30 following the end of the Plan year. So, if you have knownmedical expenses for the upcoming year, for example, claiming that earmarked sumahead of time can be beneficial to you. That way, you’ll know you have the moneyavailable and you won’t have to worry about forfeiting it. It’s important to notethat the Health Care FSA isn’t available if you elect an HDHP, but you can choose aLimited Purpose FSA which can be used for eligible dental and vision expenses.To learn more and to manage your account, visit optumbank.comor call Optum Customer Care at 800-243-5543. Representativesare available Monday through Friday, 8 a.m. to 10 p.m. ET, andSaturday and Sunday, 9 a.m. to 5:30 p.m. ET.When to sign up:If you are eligible for this benefit, you cansign up during Open Enrollment or NewHire Enrollment.1.Click here to read further details on the FSA products.Back to Table of Contents
What are the clear differences between a Health SavingAccount and a Health Care Flexible Spending Account?These accounts share a lot of similarities, in that it’s all your money — it’s not taxed, and the IRSsets different limits on how much you can put in or carry over from year to year. For the mostpart, you can start spending from these accounts the day you open them, but you can’t use themfor anything other than health care expenses. Additional detailed information is available in thebenefits summaries. With that in mind, here are the major differences between thesetwo accounts:Health Savings AccountHealth Care Flexible Spending AccountCan be used for health care services andqualified medical expensesCan be used for health care services andeligible medical expensesMust have a high-deductible health planthat meets IRS guidelinesCan sign up for this if it’s offered, regardlessof your health plan 2Money can be deposited by you or byyour employer from your paycheck, beforetaxes — employers can also choose to makecontributions.1Money is deposited by your employer fromyour paycheck, before taxesEarns interestNo interest is earnedBalance can eventually be cashed out (andrules pending, can later be used as a nestegg for retirement)Cannot be cashed out 3Balance carries over year to year and youcan invest your contirbutions.Up to 500 can be carried over to the nextplan year, if you remain eligible to participate.1. California and New Jersey tax employer HSAcontributions as income.2. If you elect an HDHP plan you qualify to open an HSA, but youcan choose a Limited Purpose FSA which can be used on dentaland vision expenses. 3. FSA is subject to ADP’s plan year.Back to Table of Contents
Dependent Care FlexibleSpending Account1In addition to a Health Care Flexible Spending Account, you may
ADP TotalSource . We’re excited to walk you through the basics of . Accessing secure second opinions Explaining benefits coverage and conditions . staff available via phone, email, or mail Replacement of a portion of weekly or monthly income Assistance returning to work
