Hourly Enrollment Guide - Pitney Bowes Project

2013 Benefits Enrollment Guide
FOR HOURLY EMPLOYEES

Your benefits are a significant part of the way
Pitney Bowes rewards you for a job well done.
Health, insurance and financial programs
support you in pursuing your best physical,
emotional and financial health now—so you
can have the best possible future.
It’s up to you to make the most out of everything
Pitney Bowes offers. Use all the resources
available to understand your options and choose
the plans that best fit your needs and your budget.
This guide is your overview and reference for your
2013 benefits. Throughout the guide you’ll see
icons (shown below). Pay attention to them, since
they identify important decisions and actions you
need to take.
KEY ENROLLMENT DECISION
Decision you’ll make when
enrolling in or making changes
to your benefits
TAKE ACTION
Your action needed to
participate or save money
SAVE MONEY
Incentives or other ways
you can pay less for
benefits coverage
FREE
FREE
No cost to you for this benefit
3

The Basics: Eligibility, Whom You Can Cover,
Enrolling and Costs
Eligibility for Benefits
To be eligible for coverage under our benefit plans, you must be:
• A regular full-time employee or a buffer employee or regularly scheduled
to work at least 30 hours per week.
Whom You Can Cover on Your Pitney Bowes Plans
Who you cover
determines
your costs
• Your spouse or eligible domestic partner
• Your children up to age 26, regardless of student or marital status (except for
Life Insurance)
• Your children of any age who are incapable of self-sustaining employment due to
a behavioral or physical disability, as long as the incapacity started when the child
was otherwise eligible for coverage
For complete details on whom you can cover, visit www.pbprojectliving.com >
U.S. Benefits > Using Your Benefits.
To cover your dependents, they must be enrolled in the same medical, dental
and vision plan you choose for yourself. But you don’t need to cover the same
dependents for medical, dental and vision. For example, you may choose to cover
yourself, your spouse and children for medical but only yourself and your children
for dental and vision.
When you enroll your dependents for the first time, you must provide proof that they
are eligible for coverage. See page 26 for more details.
When You Can Enroll
Deadlines apply,
don’t miss them
You can enroll in or make changes to your benefits during these enrollment windows:
During Annual Enrollment each fall. This is the annual time you can change your benefit
plans and add or drop covered dependents.
When your life changes. Certain events such as getting married or having a child
allow you to make changes to your benefits. Make allowable changes within 30 days
of the event. If you miss this deadline, you can’t make changes until the next Annual
Enrollment period. For more information about other actions to consider during a life
change, visit www.pbprojectliving.com > Using Your Benefits > Benefits & Your Life.
4
As a new employee. If you are in PBMS, Mail Services, Level One or certain Customer
Ops, you are eligible for benefits on the first of the month after you reach 90 days
of service. For all other business units, you are eligible on the first of the month
following your date of hire. You must enroll before the 15th of the month in which
you became eligible.

How You and Pitney Bowes Share Costs for Benefits
Pitney Bowes provides some benefits at no cost to you. For others, you and Pitney
Bowes share the cost. And there are some plans where you pay the entire cost. Your
cost will be deducted from your paycheck twice a month during the calendar year.
Take a look at how your paycheck deductions are calculated:
Price Tag
The full cost
The total cost of an option
(the type of plan you
choose and the number
of people you cover
affect this cost)
Flex$
What Pitney Bowes pays
Portion of the costs
Pitney Bowes pays
Paycheck Deductions
What you pay
Your share of the costs.
You pay for some benefits
before payroll taxes are
deducted, and others after
payroll taxes are deducted
Price tags, Flex$ and your paycheck deductions are all provided on your personalized
enrollment worksheet.
Covering a working spouse or domestic partner? Enrolling a working spouse or
domestic partner in your Pitney Bowes medical and dental coverage when they can
obtain coverage through their own employer means you’ll pay more annually—$1,500
for medical coverage and $150 for dental coverage. This doesn’t apply if you both
work for Pitney Bowes.
Pay less for medical coverage. Complete the short, online health assessment through
your medical plan by November 30, 2012, and pay less for medical coverage in 2013—
$100 (you) or $200 (you + your spouse/domestic partner). This health assessment
credit is part of the PB Healthy Rewards Program.
Employees who are first eligible for benefits on or after January 1, 2013, are not
eligible for the 2013 health assessment credit, but you still need to complete the
assessment through your medical plan after you enroll in coverage to earn incentives
in 2013.
Think twice
before covering
a working
spouse
Don’t miss the
November 30
deadline
5

Your Path to Good Health
Our health and wellness programs and comprehensive health coverage help you stay
healthy, provide the care you need when you need it and protect you financially from
really big health care expenses. They work together to help you be healthy and at your
best in life and at work.
Health Care Coverage
Pitney Bowes health care benefits provide you financial protection from big bills and
access to care to keep you healthy or in the event you experience an illness or injury.
Health care benefits include:
• Medical, prescription drug and behavioral health (see page 8)
• Health Accounts (see page 12)
• Dental (see page 18)
• Vision (see page 19)
PB Healthy Rewards
Don’t miss out
on up to $1,000
By participating in PB Healthy Rewards, you can pay less for medical coverage and earn
cash incentives for taking healthy steps—up to $500 (you) or $1,000 (you + your covered
spouse/domestic partner). The program includes three steps. You access each step
through your medical plan:
1. Take the health assessment by November 30, 2012.
2. Complete the biometric screening between January and March 2013 (when possible).
3. Participate in healthy programs and activities April through October 2013.
See page 16 for details about the program.
Wellness Programs
Wellness programs help you be healthy and live well throughout the year. Take
advantage of these programs and resources at any time:
• Weight-loss programs and nutrition counseling
• Health/fitness programs and competitions
• Tobacco-cessation programs
• Chronic conditions management programs
• Healthy Agile Employees program
• Project:Living webinars
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Depending on your location, you’ll have access to:
• On-site clinics and pharmacy
• On-site fitness centers
• Nutrition-focused cafeterias
Visit www.pbprojectliving.com for details.

Learn more about health coverage, starting with your medical plan options >
7

Medical Plan Options
All of our medical plans provide you with preventive care and comprehensive
coverage to protect you in case of a serious accident or illness. All plans include
prescription drug and behavioral health coverage. The key differences are how you
pay for services during the year and the plan administrator. There are three types of
medical plans available.
Medical Plan Options: Which Plan Is Right for You?
Health Fund
Plan = lower
paycheck
deductions +
help paying your
deductible
Health Fund Plan You pay lower paycheck deductions and a higher deductible,
shifting costs to when you actually use care. You can choose the Health
Reimbursement Account or the Health Savings Account to help you pay for health
care expenses. Pitney Bowes contributes money to the account, that you can use to
help pay for the deductible.
PPO Plan You pay a higher fixed cost through paycheck deductions regardless of how
much care you use. You can choose the Health Care Account to help you pay for health
care expenses.
HMO Plan You pay a higher fixed cost through paycheck deductions regardless of
how much care you use. Coverage is limited to inside the HMO network (except in
certain emergencies). The HMO option is available only in certain states.* You can
choose the Health Care Account to help you pay for health care expenses.
*If you live in certain parts of CA, CO, GA, HI, OR, WA or the Mid-Atlantic area, you have an HMO option with Kaiser and/or
Group Health Cooperative.
If you live outside the service area for Cigna, UHC, and an HMO, your medical plan option is the Out-of-Area Plan. You will
receive separate details on the plan or you can visit www.pbprojectliving.com.
Take time to consider your needs, your budget and what’s most important to you—like
monthly paycheck deductions, flexibility in providers and out-of-pocket costs—before
you choose your medical plan.
PROVIDER FLEXIBILITY
Low
High
MONTHLY PAYCHECK DEDUCTIONS (no matter how much care you need)
Low
POTENTIAL OUT-OF-POCKET COSTS (when you need care)
High
HEALTH FUND
PPO
HMO
Low
High
8
Need a little more help choosing your plan? Online decision tools can help you estimate
costs, find out if your doctors are in the network and more. See page 26 for details.

Medical Plan Administrators: Provider Networks and Features
You will also need to choose a plan administrator. You have a few options depending
on the type of plan you want and where you live.
Which one is right for you?
UHC Cigna Kaiser/ Group Health
Cooperative
Medical plan
administrator
determines
your provider
network and
support services
Health Fund, PPO
and Out-of-Area
• Cancer support
from oncology nurses
and cancer centers
of excellence
• myuhc.com mobile
to access while you’re
on the go
• Dedicated Latino and
Asian-American Health
Solutions units
• Treatment cost
estimator and hospital
comparison tool
• Support for healthy
living with many tools for
wellness, exercise, weight
loss and nutrition
Health Fund and PPO
• 24 hours a day, 7 days
a week customer
service center
• Free second opinion
program with
Cleveland Clinic
• Support programs
for managing
ongoing conditions
• mycigna.com mobile
to access while you’re
on the go
• Support for healthy
living with many tools for
wellness, exercise, weight
loss and nutrition
HMO
• A health plan, doctors,
lab and pharmacy in
one facility
• A team of doctors,
specialists and
technicians to help you
get well and stay well
• Doctors connected
to you by email for
appointments, Rx refill
orders and test results
• Same-day, after
hours and weekend
appointments available
at many facilities
Change your medical plan
without changing your doctor.
Health Fund vs. PPO? Both have the same
network options, which means you can save
money by moving from the PPO to the Health
Fund without changing your network and doctors.
Learn more about how the medical plans work >
9

Medical Plan: Highlights
This chart highlights in-network features and what you pay for services. You receive the highest level
of coverage when you use in-network providers.
Paycheck
Deductions
Health Fund
(Cigna & UHC)
PPO*
(Cigna & UHC)
Lowest Higher Higher
HMO*
(Kaiser, Group Health
Cooperative)
Health Account
See page 12
for how the
Health Accounts
work with your
medical plan
Health Reimbursement
Account (HRA) or Health
Savings Account (HSA)
Health Care Account (HCA)
Health Care Account (HCA)
Preventive Care
Annual
Deductible
The amount you
pay before the
plan shares the
cost with you
Covered 100% when you use in-network providers
$1,500 you-only coverage;
or $3,000 family coverage
Pitney Bowes contributions
to your health account and
PB Healthy Rewards
incentives you earn help
you pay your deductible
$750 per covered person; not
to exceed $2,250 all other
types of coverage
(does not apply to all
covered services)
$750 you-only coverage;
$1,500 for family coverage
(does not apply to all covered
services)
Coinsurance/
Copayments
What you pay
after you meet
your deductible
You pay 10% coinsurance
Use your HRA or HSA funds
to pay for these expenses
Minor care: You pay $20–$40
copay
and/or 20% coinsurance
(not subject to the deductible)
Major care: You pay 20%
coinsurance
Note: You can lower your
coinsurance by using Cigna
Care Network doctors if
you are in Cigna and UHC
Premium Network if you are
in UHC
Minor care: You pay $20–$40
copay and/or 10% coinsurance
(not subject to the deductible)
Major care: You pay
10%/20%/50% which varies
by plan and type of service
Out-of-Pocket
Maximums
The most you’ll
pay during the
year before the
plan picks up
the rest
$3,000 you-only coverage;
$6,000 all covered family
members
Includes deductible and
coinsurance on medical
and prescription expenses
$2,500 per covered person;
$7,500 all covered family
members
Does not include deductible,
copays or prescription drug
coinsurance
$3,000 you-only coverage;
$6,000 all other covered
family members
*If you live in HI and are enrolled in either the PPO or HMO, your coverage amounts are different than what is listed.
Visit www.pbprojectliving.com for details.
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Health Fund
(Cigna & UHC)
PPO*
(Cigna & UHC)
HMO*
(Kaiser, Group Health
Cooperative)
Prescription Drug
Through Express Scripts
(formerly Medco)
Deductible and coinsurance
max combined with medical
Separate $10,000 lifetime
maximum for infertility drugs
Through Express Scripts
(formerly Medco)
Separate $10,000 lifetime
maximum for infertility
prescriptions
$1,700 combined
coinsurance maximum for
mail and specialty drugs
Through Kaiser
Retail
(30-day supply)
• Preventive drugs: You
pay 10% coinsurance
• All other drugs: You
pay 10% coinsurance
after deductible
• Tier 1: You pay 10%
• Tier 2*: You pay 30%
• Tier 3*: You pay 55%
*Penalty applies when you use
brand if generic is available; no
coinsurance maximum for retail
• You pay $10 generic
copay ($15 Mid-Atlantic)
for generic
• You pay $30 copay (Group
Health Cooperative or
Northwest); $50 copay
Mid-Atlantic or $35 (all
other Kaiser Plans) for
brand-name
Mail Order
(90-day supply)
• Preventive drugs: You
pay 10% coinsurance
• All other drugs: You
pay 10% coinsurance
after deductible
• Tier 1: You pay 7%
• Tier 2*: You pay 22%
• Tier 3*: You pay 40%
*Penalty when you use brand
if generic is available
In CA, a 100-day supply
• You pay $20 generic
• You pay $60 copay (Group
Health Cooperative or
Northwest) or $70 copay
(all other Kaiser Plans)
brand-name
Contraceptives
Specialty Drugs
(30-day supply)
Behavioral Health
Part of
your medical
plan benefit
• No cost for generic
• All other: You pay 10%
after the deductible
• No cost for generic
• All other: Follows rules
for retail or mail order
• No cost for formulary
contraceptives
You pay 10% after deductible You pay 20% coinsurance Brand copays apply
Provided through Cigna
or UHC
Outpatient: You pay10%
coinsurance after deductible
Inpatient: You pay 10%
coinsurance after deductible
Provided through ValueOptions
Outpatient: You pay $20 copay
Inpatient: You pay 20%
coinsurance after deductible
Provided through Kaiser/GHC
Outpatient: You pay
$5–$20 copay
Inpatient: You pay 10%
coinsurance after deductible
*If you live in HI and are enrolled in either the PPO or HMO, your coverage amounts are different than what is listed.
Visit www.pbprojectliving.com for details.
Looking for details about the Out-of-Area Plan? Go to www.pbprojectliving.com > U.S. Benefits > Health.
See complete details about covered services in the medical plan comparison chart on
Your Benefits Resources.
11

Health Accounts
A Health Account can be used to cover eligible expenses, such as deductibles,
coinsurance and copayments with tax-free dollars. Your medical plan choice
determines the Health Account(s) that can be paired with it. How the accounts
work and the advantages of each vary, so it’s important you understand the features.
Health Fund: Which Health Account Is Right for You?
Choose a
Health Account
(for the Health
Fund Plan
choose HRA or
HSA; for PPO
and HMO plans
choose HCA)
• HRA: Instant money available starting January 1 that Pitney Bowes deposits
into the account. This money is used first to pay for your deductible, meaning
you won’t have to pay anything out of your pocket until the account reaches $0.
• HSA: Provides flexibility to save more money for health care expenses, but you
need to fund the account.
What medical
plan must I be
enrolled in?
Health
Reimbursement
Account (HRA)
Health Savings
Account (HSA)
Health Care Account
(HCA)
Health Fund Plan Health Fund Plan PPO or HMO
Who contributes
to the account?
Pitney Bowes
HRA funds are
available on the first
day your benefits
become effective
(new hires) or
January 1 (current
employees).
You and Pitney Bowes
You contribute with
pretax payroll
deductions or after-tax
lump sums—up to the
annual IRS maximums.
Set an annual savings
goal when you enroll.
Pitney Bowes will match
50% of your pretax
contribution up to:
• $500 for you-only
coverage
• $1,000 for all other
types of coverage
You
You contribute
with pretax payroll
deductions up to the
annual IRS maximum.
Set an annual savings
goal when you enroll.
Contribution
limits
Pitney Bowes
contributes:
• $500 for you-only
coverage*
• $1,000 for all other
types of coverage*
You can not contribute
to the account.
• $3,250 for you-only
coverage
• $6,450 for all other
types of coverage
• Age 55+ can make
up to $1,000 in
“catch-up”
contributions
$2,500
12

Health
Reimbursement
Account (HRA)
Health Savings
Account (HSA)
Health Care
Account (HCA)
Do unused
funds roll over
from year
to year?
Yes, until you’re no
longer enrolled in the
Health Fund Plan or you
leave Pitney Bowes.
Your total balance (any
carryover amounts plus
the new contribution)
can’t exceed your
medical plan out-ofpocket
maximum.
Yes, even if you leave
Pitney Bowes or retire.
There is no limit on how
much you can roll over
from year to year.
No. You forfeit any
unused balance.
How are
my Healthy
Rewards
incentives paid?
Monthly into this
account (not taxed).
Monthly into this
account (not taxed).
January 2014 via
your paycheck (taxed).
Can I take the
unused balance
with me?
No
Yes, it’s always
your money.
No
Whose expenses
can be covered?
Pay expenses for you
and your dependents
enrolled in the plan.
Pay expenses for
you and your tax
dependents.
Pay expenses for you
and tax dependents
including children up
to age 26 no matter
what plan they are
enrolled in.
Can I change my
contribution
amount?
No, you don’t
contribute.
Yes, at any time.
Keep contributing
for the current tax
year until you file
your tax return.
Only if you experience
a qualified change
in status.
How do I manage
my account?
Log on to your medical
plan’s website.
Visit your HSA
bank’s website.
Log on to the Your
Spending Account
(YSA) website.
Other important
rules
You cannot be covered
by another medical plan
(including Medicare).
*Prorated for new employees, based on hire date. Contact the Benefits Center for the amount that
will be funded in your HRA.
See www.pbprojectliving.com > U.S. Benefits > Financial for more details
about health accounts.
13

How the Health Accounts Work
with Your Medical Plan
When you need care—doctor’s visits, prescriptions, and other medical services like
surgery or a stay in the hospital—this is how your Health Account works with the plan
to help you cover expenses.
PREVENTIVE CARE
In-network preventive care is always 100% covered.
DEDUCTIBLE
Pay health care
costs until you
reach your
deductible.
COST SHARING
After you meet the
deductible, you pay
your share of
in-network medical
and Rx bills. The
plan pays the rest.
FULL COVERAGE
If your expenses
meet your
out-of-pocket
maximum the
plan covers 100%.
HEALTH ACCOUNTS
Each Health Account works differently in how you use the account to pay for your
deductible and your portion of the cost sharing:
Choosing the Health Fund Plan?
• Health Reimbursement Account (HRA) – Pitney Bowes contributes to the account
and funds are available the first day your benefits become effective (new hires)
or January 1 (current employees). This account is linked directly to your medical
plan, and your costs are automatically deducted from the account when your
claim is processed until you reach a $0 balance. You can increase your HRA
balance by earning the full PB Healthy Rewards incentive.
• Health Savings Account (HSA) – Both you and Pitney Bowes contribute to the
account. Your pretax contributions and Pitney Bowes’ contributions are made per
paycheck. Pay for medical expenses with your debit card or pay out of pocket and
reimburse yourself from your account. There are two easy ways you can boost
your HSA balance: earn the full PB Healthy Rewards incentive and contribute
enough to get the full company match.
Choosing the PPO or HMO Plans?
• Health Care Account (HCA) – This account is funded completely by you. Pay for
medical expenses with your YSA debit card or pay out of pocket and submit a
claim for reimbursement.
14

Choosing the Health Savings Account (HSA)?
Choose one of these banks to get the Pitney Bowes match:
• JPMorgan Chase Bank (Cigna)
• OptumHealth Bank (UHC)
• Bank of America (Cigna and UHC)
Don’t miss
this step
If you enroll in an HSA but don’t select a bank, an account will automatically
be opened for you with Bank of America. You can change your bank at any time.
See more details about the features and advantages of each of the banks on
www.pbprojectliving.com.
Want to use your own bank?
You can, but you should be aware that Pitney Bowes will not match your HSA
contributions. You must fund the account with after-tax contributions and get your
tax savings when you file your tax returns. You’ll also pay monthly maintenance fees
(covered by Pitney Bowes if you choose paycheck deductions with one of the three
banks listed above).
Set an annual savings goal
When you enroll in the HSA, you need to set an annual savings goal. If you don’t enter
a goal, one will be set for you—$1,000 (you only coverage) or $2,000 (all other types
of coverage)—so that you receive the full company match. Keep in mind when setting
your goal that you can’t exceed the annual IRS maximum. Any PB Healthy Rewards
incentives you earn and the Pitney Bowes match count toward the maximum, and
your annual savings goal may be adjusted accordingly.
Don’t miss
this step
Watch your balance
You must have adequate funds in your account to pay for expenses. Don’t have
enough? Hang onto your receipts and reimburse yourself when you do.
Limited Use Health Care Account
Interested in additional tax savings? If you enroll in the Health Fund, you may also
be able to enroll in a limited use Health Care Account (HCA) to save additional pretax
dollars for certain eligible expenses after you meet your annual deductible.
To qualify, you can’t be enrolled in your spouse or domestic partner’s flexible
Spending/Health Care Account. Learn more about the limited-use HCA at
www.pbprojectliving.com > U.S Benefits > Financial.
Save tax-free for dependent care expenses too. See page 22 for details >
15

PB Healthy Rewards Incentive Program
PB Healthy Rewards pays you incentives for taking healthy steps. The program runs
from November 1, 2012, through October 31, 2013.
How It Works
To participate in the program, you must complete these steps:
• Take the online health assessment.
• Get a biometric screening and submit results to your medical plan.
• Achieve target values or complete a health coaching program.
Once you have completed these steps, you can earn points by completing health
actions. Every health action has a point value, and every point equals $1.
Earn the Most Points!
The more health actions you complete, the better for your health and the more points
you earn. Here’s how to earn the most points and a suggested timeline to ensure you
have enough time to complete the steps.
Don’t miss out
on up to $1,000
November 2012 January – March 2013
Complete the
Complete the biometric
health assessment screening and submit your
by November 30* results to your medical plan
April – October 2013
Complete other
health actions through
your medical plan
*Employees who are first eligible for benefits on or after January 1, 2013 are not eligible for the
2013 health assessment credit, but you still need to complete the assessment through your
medical plan after you enroll in coverage to earn incentives in 2013.
How Incentives are Paid
Your medical plan determines how your incentives are paid:
Health Fund
All Other Plans
up to $500 (you) or $1,000
(you + spouse/domestic partner)
up to $500 (you) or $1,000
(you + spouse/domestic partner)
16
Paid monthly into your
HRA or HSA (not taxed)
Paid annually in
January 2014 (taxed)

Go to www.pbprojectliving.com for more details about PB Healthy Rewards
and a list of health actions by medical plan.
17

Dental Coverage
Dental coverage helps you maintain good oral health, and it can help offset costs if
you or a family member needs dental or orthodontia services in 2013.
FREE
Delta Dental
Preventive Plan
is free to most
employees
Delta Dental Preventive Plan (no cost to you)
Free to most employees, except PBGS employees who do not receive Flex$, this
plan covers your routine exams, cleanings, fluoride applications for children and
full-mouth or bitewing X-rays. If you need additional services during the year, you
are responsible for those costs. But you can pay for them through your Health Savings
Account (HSA) or Health Care Account (HCA).
Delta Dental Premium Plan and Aetna Dental DMO (extra coverage
if you choose)
You can purchase additional coverage through one of these plans if you need it:
Choice of Doctors
Annual Deductible
Calendar Year Maximum
(does not apply to preventive
or orthodontic care)
Delta Dental Premium
Receive care in- and
out-of-network, but to make
the most of your coverage,
choose a Delta Dental PPO
or Premier dentist.
You pay $100 on basic
and major care
Aetna Dental DMO
Use an Aetna provider.
You choose a primary care
dentist to coordinate your
care and refer you to a
specialist if needed.
None
$3,000 None
Preventive Care Free Free
Basic Care
Fillings, Root Canals,
Oral Surgery, Gum
disease treatment
You pay 20%
Free
Major Care
Crowns, Dentures
You pay 50% You pay 50%
(includes root canals and
extraction of impacted teeth)
Orthodontia/Braces You pay 50%, up to a $2,000
lifetime maximum
You pay 50%
(no adult coverage)
18
Find participating dentists at www.deltadentalnj.com and www.aetna.com.
See the complete dental plan comparison chart for details about covered services on
Your Benefits Resources.

Vision Coverage
Vision coverage can help offset the costs of eyeglasses and contact lenses.
All our medical plans provide a free, basic annual eye exam performed by an
in-network doctor. For other vision services, depending on the vision plan you enroll
in, you receive either a discount on the services or you receive an allowance paid by
the vision plan.
EyeMed Discount Program
(no cost to you)
Get discounts on eye exams, glasses,
contact lenses and more from EyeMed
Select providers. You have access to this
discount program even if you are not
enrolled in medical coverage.
• You receive a 40% discount on
the retail cost of frames.
• Copays start at $50 for lenses,
and you are eligible for additional
discounts at all EyeMed locations.
• You receive a 15% discount on
the retail cost of conventional
contact lenses (disposable
lenses not included).
• Each person covered under the plan
has unlimited use of the frame and
lens (or contact lens) benefits.
Remember:
You can also use HCA or
HSA funds to pay for your
glasses and contact lenses.
Go to www.pbprojectliving.com >
U.S. Benefits > Health for more
details about vision coverage.
Voluntary Vision Option
(extra coverage if you choose)
This option offers a better benefit than
the EyeMed Discount Program if you
need vision correction, a pair of glasses
(frame and lenses) or contact lenses.
You’ll get an allowance for frames and
will be responsible only for the copay
amount for lenses.
• You receive a $135 frame allowance
when buying eyeglasses from
an EyeMed Select provider plus
20% discount on any balance
over the allowance.
• $10 copay for single, bifocal and
trifocal lenses and you are eligible
for additional discounts at all
EyeMed locations.
• Each person covered under the
plan receives frame and lens (or
contact lens) benefits once per
calendar year.
• $70 copay for standard and
premium progressive lens, and
for premium progressive lenses
you receive a 20% discount and
a $120 allowance.
• $135 allowance for contact lenses.
• You get a 40% discount on additional
complete pairs of glasses (frames
and lenses) and a 15% discount on
conventional contact lenses (not
including disposable lenses) once
your maximum allowance has
been reached.
FREE
EyeMed Discount
Program is free
19

Life, Accident, Disability and Critical Illness Insurance
If the unthinkable happens—like a sudden illness or death—you can protect yourself
financially with Life, Accident, Disability and Critical Illness Insurance coverage.
FREE
Basic Coverage
for all these
plans is free
Basic Coverage
Your Pitney Bowes Flex$ cover basic coverage under these plans at no cost to you:
Basic Life Insurance
Pays a benefit if you die while employed by Pitney Bowes equal to 1 times your annual
base pay.
Business Travel Accident Insurance
Pays a benefit if you have an accident or die while traveling on approved company
business equal to 10 times your annual earnings, with a minimum benefit of $250,000
and a maximum benefit of $2 million.
Short-Term Disability (STD)
Replaces part of your income if you have to temporarily be away from work due to an
injury or illness. Benefits begin after a set waiting period. Before you can receive a
benefit, you must use some of your own time off first. The specific details of your
STD Plan depend on which business unit you are in: Level One, Call Center, PBMS
and PBGS employees are not eligible for STD benefits during your first year of service;
PBI employees are eligible for STD payments up to 26 days, if approved, during your
first year of service. After 21 weeks, this coverage either ends or your long-term
disability (LTD) coverage begins.
Long-Term Disability (LTD)
Replaces 50% of your income if you are unable to work for a long period of time due
to a non-work-related illness or injury. You determine if you want coverage paid with
pretax or after-tax dollars.
• Coverage paid with pretax dollars? You’ll pay taxes on the amount of your benefit,
reducing the amount you receive.
• Coverage paid with after-tax dollars? You pay taxes on the cost of coverage, which
will be lower than the taxes on your benefit.
Do you need
more than basic
coverage?
20
Supplemental Coverage
For additional coverage, you can purchase the following:
Supplemental Life Insurance
For you: 1–5 times your pay; up to a maximum of $2 million.
For your spouse/domestic partner: Up to $250,000 in $10,000 increments.
For your children: $10,000 or $20,000

Supplemental Accidental Death and Dismemberment (AD&D) Insurance
Accidental Death and Dismemberment (AD&D) Insurance protects your family financially
if you or a covered dependent dies or loses a limb, eye or hearing in an accident.
For you: 1–5 times your pay; up to a maximum of $2 million
For your spouse/domestic partner: Up to $250,000 in $10,000 increments
For your children: $10,000 or $20,000
Choosing Supplemental Life Insurance or AD&D?
You may be required to submit proof of good health before your new coverage
becomes effective. This process can involve urine and blood tests (screenings),
along with a physical exam, to be scheduled by a physician.
Supplemental Long-Term Disability
Increase the 50% income replacement you already receive through basic LTD
to 66 2 /3% of your monthly pay. You can choose to pay for coverage with pretax
or after-tax dollars. Supplemental LTD is not available to Buffer employees.
Critical Illness Insurance
Critical Illness Insurance through MetLife complements your medical and disability
income coverage. If you or a covered family member becomes critically ill, you receive
a lump-sum benefit that you can use for anything—medical expenses, household
expenses, rent/mortgage payments, child care and more. You can elect Critical Illness
Insurance if you’re eligible for benefits, but you do not have to be in a Pitney Bowes
medical plan. There’s no waiting period for coverage to begin.
Coverage is optional and you pay the full cost. You can purchase coverage for yourself,
your spouse or domestic partner and your child(ren) at a level of $10,000 each.
Do you want
financial help
if you or a
family member
becomes
seriously ill?
Benefits are paid to each covered person as a percentage of the amount of coverage
you elect up to the $30,000 maximum. You receive payment for the first incident of an
illness. And for certain conditions (heart attack, coronary artery bypass graft surgery
and cancer), if you face the illness again, you can receive a 50% reoccurrence benefit.
There are also certain conditions such as cystic fibrosis and multiple sclerosis for
which each covered person can receive a one-time benefit of 25%. And, if you receive
a major organ transplant, you will receive 100% of your elected benefit amount.
Critical Illness Insurance benefits are subject to lifetime maximum—$30,000 total
benefit amount plus the $10,000 major organ transplant benefit. Once you reach the
lifetime maximum, your coverage will end.
Guaranteed issue
No proof of good health is required when you purchase coverage for 2013.
See www.pbprojectliving.com > U.S. Benefits > Financial for more details about
Critical Illness Insurance.
21

More Pitney Bowes Benefits
Pitney Bowes offers you a variety of benefits to help you plan for the future, save
money, manage your finances, take time away from work and more.
Will you need
legal counsel
next year?
Dependent Care Account (DCA)
The Dependent Care Account (DCA)
allows you to save pretax dollars to
pay for qualified daycare expenses
for a child, an elderly parent or a
disabled spouse.
Highlights
• Enroll each year to participate and
set your annual savings goal.
• Estimate your expenses carefully,
because you will lose any unused
balance at the end of the year, per
IRS rules.
• You can contribute up to $5,000
to pay for expenses you incur
throughout the year. If you are
married and filing federal taxes
jointly, both you and your spouse
can have a DCA. Your combined
contributions cannot exceed $5,000.
• Pay for your dependent care
expenses out of pocket and then
submit a claim online through
Your Spending Account (YSA) to
receive reimbursement.
Depending on your gross income, you
may benefit more by taking the child
care tax credit on your income tax return
than by participating in this account.
Group Legal
The Group Legal Plan provides access
to on-call legal counsel whenever you
need it. You pay a small monthly fee,
and you can use the service as many
times as you’d like during the year. You
must enroll each year to participate in
this plan. Representation services for
personal legal issues include:
• General legal advice
• Defense for identify theft, debt
collection, traffic tickets, juvenile
court, civil lawsuits, personal
bankruptcy and restoration of
driving privileges
• Wills, powers of attorney and
living trusts
• Representation if you buy, sell
or refinance your primary home
• Estate planning
• Real estate matters
• Family law
• Legal documents
For more details, call 1-800-821-6400
or visit https://mybenefits.metlife.com.
Need just a little legal advice? Consider
the free legal assistance services
available through the Value Options ®
Employee Assistance Program. Go to
www.pbprojectliving.com to learn more.
22

Optum HealthAllies ® Discounts
Optum HealthAllies ® Discounts is not
insurance but is a discount program
to save on health care and wellness
products and services such as:
• Chiropractic care, acupuncture
and massage therapy
• Hearing devices
• Infertility services
• Home health care and other
long-term care services
• Dental care, including
teeth whitening
• Vision care, including LASIK
You pay for all health care services, but
you’ll receive a discount from health
care providers who have contracted with
the discount plan organization.
You must enroll each year to participate
in this program. For more information,
call 1-877-426-2559, or visit
www.optumhealthallies.com.
Financial Planning
There’s a lot to consider during Annual
Enrollment. The financial planners at
Ernst & Young can help you weigh your
options and make choices that best
meet your needs and your budget.
Planners can also support you with a
host of other financial decisions like:
• Assessing insurance needs such
as life insurance
• Long-term care needs
• Getting debt under control
• Tax issues
• Estate planning
• Home financing
• And much more!
There is no need to enroll to participate.
Use this free, confidential service at any
time. Call 1-800-291-8457 to speak
with a planner today. Or, log on to
http://pb.eyfpc.com (User name:
PitneyBowes; Password: PBEY).
Flex Days
Flex Days are available so you can take
the days off you need, whenever you
need them. During Annual Enrollment
or when you first enroll in benefits as
a new employee, you can purchase
up to five Flex Days to use throughout
the year. You pay for them with pretax
paycheck deductions and accrue days
you can use for whatever reason when
you run out of other days off.
Things to consider before purchasing
Flex Days
• Flex Days must be used after
all vacation time has been taken
and cannot be rolled over to the
following year.
• The cost of your Flex Days can
be found on your personalized
enrollment worksheet or on the
Your Benefits Resources website.
Pay less for
health and
wellness
services
with Optum
HealthAllies
Discounts
Do you want
more time off
next year?
FREE
Financial
Planning is
free and can
be used as often
as you want
23

More Pitney Bowes Benefits
401(k) Plan
Saving for retirement may be the most
important financial decision you make.
Participating in the Pitney Bowes 401(k)
Plan, administered by T. Rowe Price, can
help you prepare for a strong financial
future. And, after one year of service,
Pitney Bowes helps you build your
savings with matching contributions.
Annual Enrollment is a good time to take
stock of your retirement savings efforts
and evaluate your long-term goals.
Ask yourself:
Am I saving enough?
The sooner you start saving for
retirement, the more prepared you will
be when you want to stop working!
Can I save a little more?
Take advantage of the auto-increase
feature of your plan.
Is my money invested the way
I’d like it to be?
Depending on your age and your
goals, you may want to change your
investment strategy.
Are my beneficiary
designations up to date?
Be sure that your balance goes where
you want it to if you should die.
24

Highlights:
• You’re eligible to start saving in the 401(k) your first day on the job. You will be automatically
enrolled 30 days after your hire date at a rate of 3% of your pay. Contributions will be
deducted each pay period and contributed to your account on a before-tax basis. Your balance
from another company-sponsored plan can be rolled over into the Pitney Bowes plan.
• You choose how much to contribute on a pretax, after-tax, or Roth basis up to the IRS limits.
Use convenient payroll deductions to make your contributions.
• Pitney Bowes matches your contributions—$0.50 for every dollar you contribute, up to 3% of
your pay (for Pitney Bowes Mail Services, Pre-Sort Services, Government Services and Level
One employees) or 100% of your contributions, up to 4% of your pay (for all other employees).
YOUR
Contributions
+ =
Pitney Bowes
MATCH
MONEY
For Your Future
• After one year of service, you will automatically receive a company-paid Core Contribution
equal to 2% of your eligible pay, even if you do not make contributions to the 401(k) Plan. You
must have been hired on or after January 1, 2005, to be eligible (Level One employees are not
eligible). Special rules apply for rehired employees.
Learn more about the 401(k) Plan at www.pbprojectliving.com > U.S. Benefits > Financial.
Make changes to your contributions, investments and beneficiaries at any time at
www3.troweprice.com/rws/public/v/home.jsp or call T. Rowe Price at 1-800-922-9945.
And don’t miss these Pitney Bowes benefits
• Paid time off (vacation and company-paid holidays)
• Employee Assistance Program (EAP)
• Employee Stock Purchase Plan
• Discounts on goods and services
• Adoption assistance
• Tuition assistance
• Commuter benefits
• Scholarships
• Charitable Gift Match
• And more
Visit www.pbprojectliving.com > U.S. Benefits for details about all
Pitney Bowes benefit programs.
25

How to Enroll and Important Reminders
Follow the steps below to compare your options, and choose the benefits that best fit
your needs and your budget.
Do Your Homework
Understand and compare your options.
These tools and resources can help:
• Health Plan Comparison Charts
on the Your Benefits Resources
website at resources.hewitt.com/
pitneybowes.
• UHC Cost Estimator Tool at
www.myuhc.com/groups/Pitney.
You can use the tool even if you
don’t choose the UHC medical plan.
• Health Plan Websites and
Member Services. Go to
www.pbprojectliving.com > U.S.
Benefits > Contacts & Resources
for a full list of plan providers and
contact information.
• Pitney Bowes Benefits Center:
Representatives are available
to answer your questions from
8:30 a.m. to 6:30 p.m. EST, Monday–
Friday by calling 1-888-5PB-FLEX
(1-888-572-3539).
Choose Your Benefits
Enroll for the first time or make changes
to your current coverage.
• Online at Your Benefits Resources at
resources.hewitt.com/pitneybowes.
Log in with your user ID and
password. Forgot your user ID or
password? Click “I forgot my user
ID” and/or “I forgot my password”
on the Login page, or call the
Benefits Center to create a new
user ID or password.
• Over the phone by calling
1-888-5PB-FLEX (1-888-572-3539).
Enrolling for the first time? Have this
information handy:
• Your Social Security number
• Your birth date
• Your home ZIP code
Enrolling new dependents? Have this
information handy:
• Name(s)
• Birth date(s)
• Social Security number(s)
(you won’t be able to enter
any dependent information
without these)
26

Don’t Forget …
Enroll by the deadline. If you don’t
take action, you’ll automatically be
enrolled in “default” coverage—and be
responsible for the costs—that may not
meet your needs and budget.
• If you are already enrolled in
Pitney Bowes benefits coverage and
you do not take action during Annual
Enrollment, you will remain in your
current coverage for medical, dental,
vision, optional life insurance, Health
Care Account (HCA), Dependent Care
Account (DCA), Group Legal and Flex
Days for 2013.
• If you are newly eligible for benefits
and do not enroll by the deadline,
you will automatically be enrolled
in the Cigna Health Fund Plan
with HRA, Delta Dental Preventive
Plan, Basic Life Insurance and
Basic Long-Term Disability. You
will not participate in any other
benefit programs that require
your enrollment: Health Care
Account (HCA) or Dependent Care
Account (DCA), Supplemental
Life Insurance, Critical Illness
Insurance, HealthAllies Discounts,
Voluntary Vision, Accidental Death
& Dismemberment (AD&D), Group
Legal, or Flex Days.
Verify your dependents. When enrolling,
you must verify that your dependents
are eligible for coverage. If you don’t
provide proof when requested, coverage
for your dependents will not become
effective, and any reimbursement
claims on behalf of that dependent
will be denied. If you need additional
information, please call the Benefits
Center at 1-888-5PB-FLEX. To verify
your dependents, you’ll need:
• A Social Security number for
each dependent
• The Social Security number for
a newborn child within 60 days
of birth
• Certification that your domestic
partnership meets the eligibility
requirements
Update beneficiaries. Ensure your
beneficiary designations for your
insurance plans are up to date. Visit
Your Benefits Resources at resources.
hewitt.com/pitneybowes or call
Benefits Center at 1-888-5PB-FLEX.
Current employees: Take the health
assessment through your medical
plan by November 30, 2012 to lower
your medical paycheck deductions
and complete one of the steps needed
to earn more incentives under the PB
Healthy Rewards Program in 2013.
Check Your Confirmation
Statement
Watch for your confirmation statement
arriving in the mail or when it becomes
available online. It explains your
coverage for the next year. Review it
carefully and report any errors to the
Benefits Center at 1-888-5PB-FLEX.
27

Benefits Contact Information
When you need help or additional information about your Pitney Bowes benefits
Plan Phone Website
Medical
Cigna: 1-800-244-6224
www.cigna4PB.com (pre-enrollment)
(all plans)
UHC: 1-800-662-1372
www.mycigna.com
Behavioral Health
(Health Fund and
Kaiser: Visit the “Contacts” section www.myuhc.com/groups/pitney
HMO plans)
of their website
(pre-enrollment)
Group Health Cooperative:
1-888-901-4636
www.myuhc.com
www.my.kp.org/pitneybowes
www.ghc.org
Prescription Drugs Express Scripts: 1-866-397-5550 www.medco.com/pitneybowes
Behavioral Health
(PPO only)
Health Savings
Account
ValueOptions: 1-800-272-9435
Bank of America: 1-800-328-5391
JPMorgan Chase: 1-800-224-6224
OptumHealth: 1-800-662-1372
www.achievesolutions.net/pitneybowes
www.bankofamerica.com/benefitslogin
www.mycigna.com
www.myuhc.com
Dental Delta Dental: 1-800-834-8883
Aetna: 1-877-238-6200
www.deltadentalnj.com
www.aetna.com
Vision EyeMed Discount: 1-866-723-0391
Voluntary Vision: 1-866-723-0514
Health & Dependent Aon Hewitt: 1-888-572-3539
Care Accounts
www.eyemedvisioncare.com
resources.hewitt.com/pitneybowes
Life Insurance, AD&D Aon Hewitt: 1-888-572-3539
resources.hewitt.com/pitneybowes
Aetna Life Insurance: 1-800-523-5065
Critical Illness Insurance MetLife: 1-800-438-6388
Disability HR Support Line: 1-800-932-3631 www.pbprojectliving.com
Long-Term Care
Insurance
(not available for
new enrollees)
John Hancock: 1-800-999-0968
http://pb.jhancock.com
User name: pitney bowes
Password: mybenefit
Optum HealthAllies ® Optum Health Allies: 1-877-426-2559 www.optumhealthallies.com
Discount Program
Group Legal MetLife Hyatt Legal: 1-800-821-6400 https://mybenefits.metlife.com
MetLife Auto & Home MetLife Auto & Home Insurance:
1-800-438-6381
https://mybenefits.metlife.com
Financial Planning Ernst & Young: 1-800-291-8457 www.eyfpc.com
User name: PitneyBowes
Password: PBEY
401(k) Plan T. Rowe Price: 1-800-922-9945 www3.troweprice.com/rws/public/v/home.jsp
For questions or to enroll Benefits Center: 1-888-572-3539 http://resources.hewitt.com/pitneybowes
www.pbprojectliving.com
Your 24/7 resource for all Pitney Bowes benefits.

Benefits Resources
PBProjectLiving Website (www.pbprojectliving.com)
Now with complete U.S. benefits information! Your 24/7 resource
for all Pitney Bowes benefits and wellness programs.
Your Benefits Resources (resources.hewitt.com/pitneybowes)
Enroll in benefits through Your Benefits Resources online or by phone
at 1-888-5PB-FLEX (1-888-572-3539). Access more information on
services covered by our plans, limitations and exclusions. And you
can access decision support tools.
Summary Plan Descriptions
Complete details about your medical, behavioral health, prescription
drug and dental benefits, what they cover, and how they work can be
found in the Summary Plan Description (SPD) documents. To view an
online copy of the SPDs, visit Your Benefits Resources.
This Enrollment Guide describes benefits provided as part of the Pitney Bowes Flexible Benefits Program
and other benefits offered by Pitney Bowes. It is not intended to provide all the facts and details of the
Pitney Bowes benefits plans.
Pitney Bowes reserves the right to make further changes or to terminate any benefits plan or plans at
any time for any reason, without prior notice to or consent from our employees. While Pitney Bowes has
made every effort to describe the benefits accurately, if any discrepancies exist between the descriptions
of benefits in this guide and the official plan documents and administrative practices, the plan documents
and administrative practices will govern in any and all cases.
The information in this guide should not be construed as advice; it is intended to help you consider many
factors when selecting your benefits options. You have sole responsibility for your benefits elections. In
addition, Pitney Bowes cannot provide tax advice. In areas where benefits may impact your taxes, it is
recommended that you talk to a tax advisor, or you can call the Ernst & Young Financial Planner Line ®
for free and confidential financial planning at 1-800-291-8457.
IMS#: 115507
pb-ae-dcsngde-ne-13