Hourly Enrollment Guide - Pitney Bowes Project
Hourly Enrollment Guide - Pitney Bowes Project
Hourly Enrollment Guide - Pitney Bowes Project
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2013 Benefits <strong>Enrollment</strong> <strong>Guide</strong><br />
FOR HOURLY EMPLOYEES
Your benefits are a significant part of the way<br />
<strong>Pitney</strong> <strong>Bowes</strong> rewards you for a job well done.<br />
Health, insurance and financial programs<br />
support you in pursuing your best physical,<br />
emotional and financial health now—so you<br />
can have the best possible future.<br />
It’s up to you to make the most out of everything<br />
<strong>Pitney</strong> <strong>Bowes</strong> offers. Use all the resources<br />
available to understand your options and choose<br />
the plans that best fit your needs and your budget.<br />
This guide is your overview and reference for your<br />
2013 benefits. Throughout the guide you’ll see<br />
icons (shown below). Pay attention to them, since<br />
they identify important decisions and actions you<br />
need to take.<br />
KEY ENROLLMENT DECISION<br />
Decision you’ll make when<br />
enrolling in or making changes<br />
to your benefits<br />
TAKE ACTION<br />
Your action needed to<br />
participate or save money<br />
SAVE MONEY<br />
Incentives or other ways<br />
you can pay less for<br />
benefits coverage<br />
FREE<br />
FREE<br />
No cost to you for this benefit<br />
3
The Basics: Eligibility, Whom You Can Cover,<br />
Enrolling and Costs<br />
Eligibility for Benefits<br />
To be eligible for coverage under our benefit plans, you must be:<br />
• A regular full-time employee or a buffer employee or regularly scheduled<br />
to work at least 30 hours per week.<br />
Whom You Can Cover on Your <strong>Pitney</strong> <strong>Bowes</strong> Plans<br />
Who you cover<br />
determines<br />
your costs<br />
• Your spouse or eligible domestic partner<br />
• Your children up to age 26, regardless of student or marital status (except for<br />
Life Insurance)<br />
• Your children of any age who are incapable of self-sustaining employment due to<br />
a behavioral or physical disability, as long as the incapacity started when the child<br />
was otherwise eligible for coverage<br />
For complete details on whom you can cover, visit www.pbprojectliving.com ><br />
U.S. Benefits > Using Your Benefits.<br />
To cover your dependents, they must be enrolled in the same medical, dental<br />
and vision plan you choose for yourself. But you don’t need to cover the same<br />
dependents for medical, dental and vision. For example, you may choose to cover<br />
yourself, your spouse and children for medical but only yourself and your children<br />
for dental and vision.<br />
When you enroll your dependents for the first time, you must provide proof that they<br />
are eligible for coverage. See page 26 for more details.<br />
When You Can Enroll<br />
Deadlines apply,<br />
don’t miss them<br />
You can enroll in or make changes to your benefits during these enrollment windows:<br />
During Annual <strong>Enrollment</strong> each fall. This is the annual time you can change your benefit<br />
plans and add or drop covered dependents.<br />
When your life changes. Certain events such as getting married or having a child<br />
allow you to make changes to your benefits. Make allowable changes within 30 days<br />
of the event. If you miss this deadline, you can’t make changes until the next Annual<br />
<strong>Enrollment</strong> period. For more information about other actions to consider during a life<br />
change, visit www.pbprojectliving.com > Using Your Benefits > Benefits & Your Life.<br />
4<br />
As a new employee. If you are in PBMS, Mail Services, Level One or certain Customer<br />
Ops, you are eligible for benefits on the first of the month after you reach 90 days<br />
of service. For all other business units, you are eligible on the first of the month<br />
following your date of hire. You must enroll before the 15th of the month in which<br />
you became eligible.
How You and <strong>Pitney</strong> <strong>Bowes</strong> Share Costs for Benefits<br />
<strong>Pitney</strong> <strong>Bowes</strong> provides some benefits at no cost to you. For others, you and <strong>Pitney</strong><br />
<strong>Bowes</strong> share the cost. And there are some plans where you pay the entire cost. Your<br />
cost will be deducted from your paycheck twice a month during the calendar year.<br />
Take a look at how your paycheck deductions are calculated:<br />
Price Tag<br />
The full cost<br />
The total cost of an option<br />
(the type of plan you<br />
choose and the number<br />
of people you cover<br />
affect this cost)<br />
Flex$<br />
What <strong>Pitney</strong> <strong>Bowes</strong> pays<br />
Portion of the costs<br />
<strong>Pitney</strong> <strong>Bowes</strong> pays<br />
Paycheck Deductions<br />
What you pay<br />
Your share of the costs.<br />
You pay for some benefits<br />
before payroll taxes are<br />
deducted, and others after<br />
payroll taxes are deducted<br />
Price tags, Flex$ and your paycheck deductions are all provided on your personalized<br />
enrollment worksheet.<br />
Covering a working spouse or domestic partner? Enrolling a working spouse or<br />
domestic partner in your <strong>Pitney</strong> <strong>Bowes</strong> medical and dental coverage when they can<br />
obtain coverage through their own employer means you’ll pay more annually—$1,500<br />
for medical coverage and $150 for dental coverage. This doesn’t apply if you both<br />
work for <strong>Pitney</strong> <strong>Bowes</strong>.<br />
Pay less for medical coverage. Complete the short, online health assessment through<br />
your medical plan by November 30, 2012, and pay less for medical coverage in 2013—<br />
$100 (you) or $200 (you + your spouse/domestic partner). This health assessment<br />
credit is part of the PB Healthy Rewards Program.<br />
Employees who are first eligible for benefits on or after January 1, 2013, are not<br />
eligible for the 2013 health assessment credit, but you still need to complete the<br />
assessment through your medical plan after you enroll in coverage to earn incentives<br />
in 2013.<br />
Think twice<br />
before covering<br />
a working<br />
spouse<br />
Don’t miss the<br />
November 30<br />
deadline<br />
5
Your Path to Good Health<br />
Our health and wellness programs and comprehensive health coverage help you stay<br />
healthy, provide the care you need when you need it and protect you financially from<br />
really big health care expenses. They work together to help you be healthy and at your<br />
best in life and at work.<br />
Health Care Coverage<br />
<strong>Pitney</strong> <strong>Bowes</strong> health care benefits provide you financial protection from big bills and<br />
access to care to keep you healthy or in the event you experience an illness or injury.<br />
Health care benefits include:<br />
• Medical, prescription drug and behavioral health (see page 8)<br />
• Health Accounts (see page 12)<br />
• Dental (see page 18)<br />
• Vision (see page 19)<br />
PB Healthy Rewards<br />
Don’t miss out<br />
on up to $1,000<br />
By participating in PB Healthy Rewards, you can pay less for medical coverage and earn<br />
cash incentives for taking healthy steps—up to $500 (you) or $1,000 (you + your covered<br />
spouse/domestic partner). The program includes three steps. You access each step<br />
through your medical plan:<br />
1. Take the health assessment by November 30, 2012.<br />
2. Complete the biometric screening between January and March 2013 (when possible).<br />
3. Participate in healthy programs and activities April through October 2013.<br />
See page 16 for details about the program.<br />
Wellness Programs<br />
Wellness programs help you be healthy and live well throughout the year. Take<br />
advantage of these programs and resources at any time:<br />
• Weight-loss programs and nutrition counseling<br />
• Health/fitness programs and competitions<br />
• Tobacco-cessation programs<br />
• Chronic conditions management programs<br />
• Healthy Agile Employees program<br />
• <strong>Project</strong>:Living webinars<br />
6<br />
Depending on your location, you’ll have access to:<br />
• On-site clinics and pharmacy<br />
• On-site fitness centers<br />
• Nutrition-focused cafeterias<br />
Visit www.pbprojectliving.com for details.
Learn more about health coverage, starting with your medical plan options ><br />
7
Medical Plan Options<br />
All of our medical plans provide you with preventive care and comprehensive<br />
coverage to protect you in case of a serious accident or illness. All plans include<br />
prescription drug and behavioral health coverage. The key differences are how you<br />
pay for services during the year and the plan administrator. There are three types of<br />
medical plans available.<br />
Medical Plan Options: Which Plan Is Right for You?<br />
Health Fund<br />
Plan = lower<br />
paycheck<br />
deductions +<br />
help paying your<br />
deductible<br />
Health Fund Plan You pay lower paycheck deductions and a higher deductible,<br />
shifting costs to when you actually use care. You can choose the Health<br />
Reimbursement Account or the Health Savings Account to help you pay for health<br />
care expenses. <strong>Pitney</strong> <strong>Bowes</strong> contributes money to the account, that you can use to<br />
help pay for the deductible.<br />
PPO Plan You pay a higher fixed cost through paycheck deductions regardless of how<br />
much care you use. You can choose the Health Care Account to help you pay for health<br />
care expenses.<br />
HMO Plan You pay a higher fixed cost through paycheck deductions regardless of<br />
how much care you use. Coverage is limited to inside the HMO network (except in<br />
certain emergencies). The HMO option is available only in certain states.* You can<br />
choose the Health Care Account to help you pay for health care expenses.<br />
*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<br />
Group Health Cooperative.<br />
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<br />
receive separate details on the plan or you can visit www.pbprojectliving.com.<br />
Take time to consider your needs, your budget and what’s most important to you—like<br />
monthly paycheck deductions, flexibility in providers and out-of-pocket costs—before<br />
you choose your medical plan.<br />
PROVIDER FLEXIBILITY<br />
Low<br />
High<br />
MONTHLY PAYCHECK DEDUCTIONS (no matter how much care you need)<br />
Low<br />
POTENTIAL OUT-OF-POCKET COSTS (when you need care)<br />
High<br />
HEALTH FUND<br />
PPO<br />
HMO<br />
Low<br />
High<br />
8<br />
Need a little more help choosing your plan? Online decision tools can help you estimate<br />
costs, find out if your doctors are in the network and more. See page 26 for details.
Medical Plan Administrators: Provider Networks and Features<br />
You will also need to choose a plan administrator. You have a few options depending<br />
on the type of plan you want and where you live.<br />
Which one is right for you?<br />
UHC Cigna Kaiser/ Group Health<br />
Cooperative<br />
Medical plan<br />
administrator<br />
determines<br />
your provider<br />
network and<br />
support services<br />
Health Fund, PPO<br />
and Out-of-Area<br />
• Cancer support<br />
from oncology nurses<br />
and cancer centers<br />
of excellence<br />
• myuhc.com mobile<br />
to access while you’re<br />
on the go<br />
• Dedicated Latino and<br />
Asian-American Health<br />
Solutions units<br />
• Treatment cost<br />
estimator and hospital<br />
comparison tool<br />
• Support for healthy<br />
living with many tools for<br />
wellness, exercise, weight<br />
loss and nutrition<br />
Health Fund and PPO<br />
• 24 hours a day, 7 days<br />
a week customer<br />
service center<br />
• Free second opinion<br />
program with<br />
Cleveland Clinic<br />
• Support programs<br />
for managing<br />
ongoing conditions<br />
• mycigna.com mobile<br />
to access while you’re<br />
on the go<br />
• Support for healthy<br />
living with many tools for<br />
wellness, exercise, weight<br />
loss and nutrition<br />
HMO<br />
• A health plan, doctors,<br />
lab and pharmacy in<br />
one facility<br />
• A team of doctors,<br />
specialists and<br />
technicians to help you<br />
get well and stay well<br />
• Doctors connected<br />
to you by email for<br />
appointments, Rx refill<br />
orders and test results<br />
• Same-day, after<br />
hours and weekend<br />
appointments available<br />
at many facilities<br />
Change your medical plan<br />
without changing your doctor.<br />
Health Fund vs. PPO? Both have the same<br />
network options, which means you can save<br />
money by moving from the PPO to the Health<br />
Fund without changing your network and doctors.<br />
Learn more about how the medical plans work ><br />
9
Medical Plan: Highlights<br />
This chart highlights in-network features and what you pay for services. You receive the highest level<br />
of coverage when you use in-network providers.<br />
Paycheck<br />
Deductions<br />
Health Fund<br />
(Cigna & UHC)<br />
PPO*<br />
(Cigna & UHC)<br />
Lowest Higher Higher<br />
HMO*<br />
(Kaiser, Group Health<br />
Cooperative)<br />
Health Account<br />
See page 12<br />
for how the<br />
Health Accounts<br />
work with your<br />
medical plan<br />
Health Reimbursement<br />
Account (HRA) or Health<br />
Savings Account (HSA)<br />
Health Care Account (HCA)<br />
Health Care Account (HCA)<br />
Preventive Care<br />
Annual<br />
Deductible<br />
The amount you<br />
pay before the<br />
plan shares the<br />
cost with you<br />
Covered 100% when you use in-network providers<br />
$1,500 you-only coverage;<br />
or $3,000 family coverage<br />
<strong>Pitney</strong> <strong>Bowes</strong> contributions<br />
to your health account and<br />
PB Healthy Rewards<br />
incentives you earn help<br />
you pay your deductible<br />
$750 per covered person; not<br />
to exceed $2,250 all other<br />
types of coverage<br />
(does not apply to all<br />
covered services)<br />
$750 you-only coverage;<br />
$1,500 for family coverage<br />
(does not apply to all covered<br />
services)<br />
Coinsurance/<br />
Copayments<br />
What you pay<br />
after you meet<br />
your deductible<br />
You pay 10% coinsurance<br />
Use your HRA or HSA funds<br />
to pay for these expenses<br />
Minor care: You pay $20–$40<br />
copay and/or 20% coinsurance<br />
(not subject to the deductible)<br />
Major care: You pay 20%<br />
coinsurance<br />
Note: You can lower your<br />
coinsurance by using Cigna<br />
Care Network doctors if<br />
you are in Cigna and UHC<br />
Premium Network if you are<br />
in UHC<br />
Minor care: You pay $20–$40<br />
copay and/or 10% coinsurance<br />
(not subject to the deductible)<br />
Major care: You pay<br />
10%/20%/50% which varies<br />
by plan and type of service<br />
Out-of-Pocket<br />
Maximums<br />
The most you’ll<br />
pay during the<br />
year before the<br />
plan picks up<br />
the rest<br />
$3,000 you-only coverage;<br />
$6,000 all covered family<br />
members<br />
Includes deductible and<br />
coinsurance on medical<br />
and prescription expenses<br />
$2,500 per covered person;<br />
$7,500 all covered family<br />
members<br />
Does not include deductible,<br />
copays or prescription drug<br />
coinsurance<br />
$3,000 you-only coverage;<br />
$6,000 all other covered<br />
family members<br />
*If you live in HI and are enrolled in either the PPO or HMO, your coverage amounts are different than what is listed.<br />
Visit www.pbprojectliving.com for details.<br />
10
Health Fund<br />
(Cigna & UHC)<br />
PPO*<br />
(Cigna & UHC)<br />
HMO*<br />
(Kaiser, Group Health<br />
Cooperative)<br />
Prescription Drug<br />
Through Express Scripts<br />
(formerly Medco)<br />
Deductible and coinsurance<br />
max combined with medical<br />
Separate $10,000 lifetime<br />
maximum for infertility drugs<br />
Through Express Scripts<br />
(formerly Medco)<br />
Separate $10,000 lifetime<br />
maximum for infertility<br />
prescriptions<br />
$1,700 combined<br />
coinsurance maximum for<br />
mail and specialty drugs<br />
Through Kaiser<br />
Retail<br />
(30-day supply)<br />
• Preventive drugs: You<br />
pay 10% coinsurance<br />
• All other drugs: You<br />
pay 10% coinsurance<br />
after deductible<br />
• Tier 1: You pay 10%<br />
• Tier 2*: You pay 30%<br />
• Tier 3*: You pay 55%<br />
*Penalty applies when you use<br />
brand if generic is available; no<br />
coinsurance maximum for retail<br />
• You pay $10 generic<br />
copay ($15 Mid-Atlantic)<br />
for generic<br />
• You pay $30 copay (Group<br />
Health Cooperative or<br />
Northwest); $50 copay<br />
Mid-Atlantic or $35 (all<br />
other Kaiser Plans) for<br />
brand-name<br />
Mail Order<br />
(90-day supply)<br />
• Preventive drugs: You<br />
pay 10% coinsurance<br />
• All other drugs: You<br />
pay 10% coinsurance<br />
after deductible<br />
• Tier 1: You pay 7%<br />
• Tier 2*: You pay 22%<br />
• Tier 3*: You pay 40%<br />
*Penalty when you use brand<br />
if generic is available<br />
In CA, a 100-day supply<br />
• You pay $20 generic<br />
• You pay $60 copay (Group<br />
Health Cooperative or<br />
Northwest) or $70 copay<br />
(all other Kaiser Plans)<br />
brand-name<br />
Contraceptives<br />
Specialty Drugs<br />
(30-day supply)<br />
Behavioral Health<br />
Part of<br />
your medical<br />
plan benefit<br />
• No cost for generic<br />
• All other: You pay 10%<br />
after the deductible<br />
• No cost for generic<br />
• All other: Follows rules<br />
for retail or mail order<br />
• No cost for formulary<br />
contraceptives<br />
You pay 10% after deductible You pay 20% coinsurance Brand copays apply<br />
Provided through Cigna<br />
or UHC<br />
Outpatient: You pay10%<br />
coinsurance after deductible<br />
Inpatient: You pay 10%<br />
coinsurance after deductible<br />
Provided through ValueOptions<br />
Outpatient: You pay $20 copay<br />
Inpatient: You pay 20%<br />
coinsurance after deductible<br />
Provided through Kaiser/GHC<br />
Outpatient: You pay<br />
$5–$20 copay<br />
Inpatient: You pay 10%<br />
coinsurance after deductible<br />
*If you live in HI and are enrolled in either the PPO or HMO, your coverage amounts are different than what is listed.<br />
Visit www.pbprojectliving.com for details.<br />
Looking for details about the Out-of-Area Plan? Go to www.pbprojectliving.com > U.S. Benefits > Health.<br />
See complete details about covered services in the medical plan comparison chart on<br />
Your Benefits Resources.<br />
11
Health Accounts<br />
A Health Account can be used to cover eligible expenses, such as deductibles,<br />
coinsurance and copayments with tax-free dollars. Your medical plan choice<br />
determines the Health Account(s) that can be paired with it. How the accounts<br />
work and the advantages of each vary, so it’s important you understand the features.<br />
Health Fund: Which Health Account Is Right for You?<br />
Choose a<br />
Health Account<br />
(for the Health<br />
Fund Plan<br />
choose HRA or<br />
HSA; for PPO<br />
and HMO plans<br />
choose HCA)<br />
• HRA: Instant money available starting January 1 that <strong>Pitney</strong> <strong>Bowes</strong> deposits<br />
into the account. This money is used first to pay for your deductible, meaning<br />
you won’t have to pay anything out of your pocket until the account reaches $0.<br />
• HSA: Provides flexibility to save more money for health care expenses, but you<br />
need to fund the account.<br />
What medical<br />
plan must I be<br />
enrolled in?<br />
Health<br />
Reimbursement<br />
Account (HRA)<br />
Health Savings<br />
Account (HSA)<br />
Health Care Account<br />
(HCA)<br />
Health Fund Plan Health Fund Plan PPO or HMO<br />
Who contributes<br />
to the account?<br />
<strong>Pitney</strong> <strong>Bowes</strong><br />
HRA funds are<br />
available on the first<br />
day your benefits<br />
become effective<br />
(new hires) or<br />
January 1 (current<br />
employees).<br />
You and <strong>Pitney</strong> <strong>Bowes</strong><br />
You contribute with<br />
pretax payroll<br />
deductions or after-tax<br />
lump sums—up to the<br />
annual IRS maximums.<br />
Set an annual savings<br />
goal when you enroll.<br />
<strong>Pitney</strong> <strong>Bowes</strong> will match<br />
50% of your pretax<br />
contribution up to:<br />
• $500 for you-only<br />
coverage<br />
• $1,000 for all other<br />
types of coverage<br />
You<br />
You contribute<br />
with pretax payroll<br />
deductions up to the<br />
annual IRS maximum.<br />
Set an annual savings<br />
goal when you enroll.<br />
Contribution<br />
limits<br />
<strong>Pitney</strong> <strong>Bowes</strong><br />
contributes:<br />
• $500 for you-only<br />
coverage*<br />
• $1,000 for all other<br />
types of coverage*<br />
You can not contribute<br />
to the account.<br />
• $3,250 for you-only<br />
coverage<br />
• $6,450 for all other<br />
types of coverage<br />
• Age 55+ can make<br />
up to $1,000 in<br />
“catch-up”<br />
contributions<br />
$2,500<br />
12
Health<br />
Reimbursement<br />
Account (HRA)<br />
Health Savings<br />
Account (HSA)<br />
Health Care<br />
Account (HCA)<br />
Do unused<br />
funds roll over<br />
from year<br />
to year?<br />
Yes, until you’re no<br />
longer enrolled in the<br />
Health Fund Plan or you<br />
leave <strong>Pitney</strong> <strong>Bowes</strong>.<br />
Your total balance (any<br />
carryover amounts plus<br />
the new contribution)<br />
can’t exceed your<br />
medical plan out-ofpocket<br />
maximum.<br />
Yes, even if you leave<br />
<strong>Pitney</strong> <strong>Bowes</strong> or retire.<br />
There is no limit on how<br />
much you can roll over<br />
from year to year.<br />
No. You forfeit any<br />
unused balance.<br />
How are<br />
my Healthy<br />
Rewards<br />
incentives paid?<br />
Monthly into this<br />
account (not taxed).<br />
Monthly into this<br />
account (not taxed).<br />
January 2014 via<br />
your paycheck (taxed).<br />
Can I take the<br />
unused balance<br />
with me?<br />
No<br />
Yes, it’s always<br />
your money.<br />
No<br />
Whose expenses<br />
can be covered?<br />
Pay expenses for you<br />
and your dependents<br />
enrolled in the plan.<br />
Pay expenses for<br />
you and your tax<br />
dependents.<br />
Pay expenses for you<br />
and tax dependents<br />
including children up<br />
to age 26 no matter<br />
what plan they are<br />
enrolled in.<br />
Can I change my<br />
contribution<br />
amount?<br />
No, you don’t<br />
contribute.<br />
Yes, at any time.<br />
Keep contributing<br />
for the current tax<br />
year until you file<br />
your tax return.<br />
Only if you experience<br />
a qualified change<br />
in status.<br />
How do I manage<br />
my account?<br />
Log on to your medical<br />
plan’s website.<br />
Visit your HSA<br />
bank’s website.<br />
Log on to the Your<br />
Spending Account<br />
(YSA) website.<br />
Other important<br />
rules<br />
You cannot be covered<br />
by another medical plan<br />
(including Medicare).<br />
*Prorated for new employees, based on hire date. Contact the Benefits Center for the amount that<br />
will be funded in your HRA.<br />
See www.pbprojectliving.com > U.S. Benefits > Financial for more details<br />
about health accounts.<br />
13
How the Health Accounts Work<br />
with Your Medical Plan<br />
When you need care—doctor’s visits, prescriptions, and other medical services like<br />
surgery or a stay in the hospital—this is how your Health Account works with the plan<br />
to help you cover expenses.<br />
PREVENTIVE CARE<br />
In-network preventive care is always 100% covered.<br />
DEDUCTIBLE<br />
Pay health care<br />
costs until you<br />
reach your<br />
deductible.<br />
COST SHARING<br />
After you meet the<br />
deductible, you pay<br />
your share of<br />
in-network medical<br />
and Rx bills. The<br />
plan pays the rest.<br />
FULL COVERAGE<br />
If your expenses<br />
meet your<br />
out-of-pocket<br />
maximum the<br />
plan covers 100%.<br />
HEALTH ACCOUNTS<br />
Each Health Account works differently in how you use the account to pay for your<br />
deductible and your portion of the cost sharing:<br />
Choosing the Health Fund Plan?<br />
• Health Reimbursement Account (HRA) – <strong>Pitney</strong> <strong>Bowes</strong> contributes to the account<br />
and funds are available the first day your benefits become effective (new hires)<br />
or January 1 (current employees). This account is linked directly to your medical<br />
plan, and your costs are automatically deducted from the account when your<br />
claim is processed until you reach a $0 balance. You can increase your HRA<br />
balance by earning the full PB Healthy Rewards incentive.<br />
• Health Savings Account (HSA) – Both you and <strong>Pitney</strong> <strong>Bowes</strong> contribute to the<br />
account. Your pretax contributions and <strong>Pitney</strong> <strong>Bowes</strong>’ contributions are made per<br />
paycheck. Pay for medical expenses with your debit card or pay out of pocket and<br />
reimburse yourself from your account. There are two easy ways you can boost<br />
your HSA balance: earn the full PB Healthy Rewards incentive and contribute<br />
enough to get the full company match.<br />
Choosing the PPO or HMO Plans?<br />
• Health Care Account (HCA) – This account is funded completely by you. Pay for<br />
medical expenses with your YSA debit card or pay out of pocket and submit a<br />
claim for reimbursement.<br />
14
Choosing the Health Savings Account (HSA)?<br />
Choose one of these banks to get the <strong>Pitney</strong> <strong>Bowes</strong> match:<br />
• JPMorgan Chase Bank (Cigna)<br />
• OptumHealth Bank (UHC)<br />
• Bank of America (Cigna and UHC)<br />
Don’t miss<br />
this step<br />
If you enroll in an HSA but don’t select a bank, an account will automatically<br />
be opened for you with Bank of America. You can change your bank at any time.<br />
See more details about the features and advantages of each of the banks on<br />
www.pbprojectliving.com.<br />
Want to use your own bank?<br />
You can, but you should be aware that <strong>Pitney</strong> <strong>Bowes</strong> will not match your HSA<br />
contributions. You must fund the account with after-tax contributions and get your<br />
tax savings when you file your tax returns. You’ll also pay monthly maintenance fees<br />
(covered by <strong>Pitney</strong> <strong>Bowes</strong> if you choose paycheck deductions with one of the three<br />
banks listed above).<br />
Set an annual savings goal<br />
When you enroll in the HSA, you need to set an annual savings goal. If you don’t enter<br />
a goal, one will be set for you—$1,000 (you only coverage) or $2,000 (all other types<br />
of coverage)—so that you receive the full company match. Keep in mind when setting<br />
your goal that you can’t exceed the annual IRS maximum. Any PB Healthy Rewards<br />
incentives you earn and the <strong>Pitney</strong> <strong>Bowes</strong> match count toward the maximum, and<br />
your annual savings goal may be adjusted accordingly.<br />
Don’t miss<br />
this step<br />
Watch your balance<br />
You must have adequate funds in your account to pay for expenses. Don’t have<br />
enough? Hang onto your receipts and reimburse yourself when you do.<br />
Limited Use Health Care Account<br />
Interested in additional tax savings? If you enroll in the Health Fund, you may also<br />
be able to enroll in a limited use Health Care Account (HCA) to save additional pretax<br />
dollars for certain eligible expenses after you meet your annual deductible.<br />
To qualify, you can’t be enrolled in your spouse or domestic partner’s flexible<br />
Spending/Health Care Account. Learn more about the limited-use HCA at<br />
www.pbprojectliving.com > U.S Benefits > Financial.<br />
Save tax-free for dependent care expenses too. See page 22 for details ><br />
15
PB Healthy Rewards Incentive Program<br />
PB Healthy Rewards pays you incentives for taking healthy steps. The program runs<br />
from November 1, 2012, through October 31, 2013.<br />
How It Works<br />
To participate in the program, you must complete these steps:<br />
• Take the online health assessment.<br />
• Get a biometric screening and submit results to your medical plan.<br />
• Achieve target values or complete a health coaching program.<br />
Once you have completed these steps, you can earn points by completing health<br />
actions. Every health action has a point value, and every point equals $1.<br />
Earn the Most Points!<br />
The more health actions you complete, the better for your health and the more points<br />
you earn. Here’s how to earn the most points and a suggested timeline to ensure you<br />
have enough time to complete the steps.<br />
Don’t miss out<br />
on up to $1,000<br />
November 2012 January – March 2013<br />
Complete the<br />
Complete the biometric<br />
health assessment screening and submit your<br />
by November 30* results to your medical plan<br />
April – October 2013<br />
Complete other<br />
health actions through<br />
your medical plan<br />
*Employees who are first eligible for benefits on or after January 1, 2013 are not eligible for the<br />
2013 health assessment credit, but you still need to complete the assessment through your<br />
medical plan after you enroll in coverage to earn incentives in 2013.<br />
How Incentives are Paid<br />
Your medical plan determines how your incentives are paid:<br />
Health Fund<br />
All Other Plans<br />
up to $500 (you) or $1,000<br />
(you + spouse/domestic partner)<br />
up to $500 (you) or $1,000<br />
(you + spouse/domestic partner)<br />
16<br />
Paid monthly into your<br />
HRA or HSA (not taxed)<br />
Paid annually in<br />
January 2014 (taxed)
Go to www.pbprojectliving.com for more details about PB Healthy Rewards<br />
and a list of health actions by medical plan.<br />
17
Dental Coverage<br />
Dental coverage helps you maintain good oral health, and it can help offset costs if<br />
you or a family member needs dental or orthodontia services in 2013.<br />
FREE<br />
Delta Dental<br />
Preventive Plan<br />
is free to most<br />
employees<br />
Delta Dental Preventive Plan (no cost to you)<br />
Free to most employees, except PBGS employees who do not receive Flex$, this<br />
plan covers your routine exams, cleanings, fluoride applications for children and<br />
full-mouth or bitewing X-rays. If you need additional services during the year, you<br />
are responsible for those costs. But you can pay for them through your Health Savings<br />
Account (HSA) or Health Care Account (HCA).<br />
Delta Dental Premium Plan and Aetna Dental DMO (extra coverage<br />
if you choose)<br />
You can purchase additional coverage through one of these plans if you need it:<br />
Choice of Doctors<br />
Annual Deductible<br />
Calendar Year Maximum<br />
(does not apply to preventive<br />
or orthodontic care)<br />
Delta Dental Premium<br />
Receive care in- and<br />
out-of-network, but to make<br />
the most of your coverage,<br />
choose a Delta Dental PPO<br />
or Premier dentist.<br />
You pay $100 on basic<br />
and major care<br />
Aetna Dental DMO<br />
Use an Aetna provider.<br />
You choose a primary care<br />
dentist to coordinate your<br />
care and refer you to a<br />
specialist if needed.<br />
None<br />
$3,000 None<br />
Preventive Care Free Free<br />
Basic Care<br />
Fillings, Root Canals,<br />
Oral Surgery, Gum<br />
disease treatment<br />
You pay 20%<br />
Free<br />
Major Care<br />
Crowns, Dentures<br />
You pay 50% You pay 50%<br />
(includes root canals and<br />
extraction of impacted teeth)<br />
Orthodontia/Braces You pay 50%, up to a $2,000<br />
lifetime maximum<br />
You pay 50%<br />
(no adult coverage)<br />
18<br />
Find participating dentists at www.deltadentalnj.com and www.aetna.com.<br />
See the complete dental plan comparison chart for details about covered services on<br />
Your Benefits Resources.
Vision Coverage<br />
Vision coverage can help offset the costs of eyeglasses and contact lenses.<br />
All our medical plans provide a free, basic annual eye exam performed by an<br />
in-network doctor. For other vision services, depending on the vision plan you enroll<br />
in, you receive either a discount on the services or you receive an allowance paid by<br />
the vision plan.<br />
EyeMed Discount Program<br />
(no cost to you)<br />
Get discounts on eye exams, glasses,<br />
contact lenses and more from EyeMed<br />
Select providers. You have access to this<br />
discount program even if you are not<br />
enrolled in medical coverage.<br />
• You receive a 40% discount on<br />
the retail cost of frames.<br />
• Copays start at $50 for lenses,<br />
and you are eligible for additional<br />
discounts at all EyeMed locations.<br />
• You receive a 15% discount on<br />
the retail cost of conventional<br />
contact lenses (disposable<br />
lenses not included).<br />
• Each person covered under the plan<br />
has unlimited use of the frame and<br />
lens (or contact lens) benefits.<br />
Remember:<br />
You can also use HCA or<br />
HSA funds to pay for your<br />
glasses and contact lenses.<br />
Go to www.pbprojectliving.com ><br />
U.S. Benefits > Health for more<br />
details about vision coverage.<br />
Voluntary Vision Option<br />
(extra coverage if you choose)<br />
This option offers a better benefit than<br />
the EyeMed Discount Program if you<br />
need vision correction, a pair of glasses<br />
(frame and lenses) or contact lenses.<br />
You’ll get an allowance for frames and<br />
will be responsible only for the copay<br />
amount for lenses.<br />
• You receive a $135 frame allowance<br />
when buying eyeglasses from<br />
an EyeMed Select provider plus<br />
20% discount on any balance<br />
over the allowance.<br />
• $10 copay for single, bifocal and<br />
trifocal lenses and you are eligible<br />
for additional discounts at all<br />
EyeMed locations.<br />
• Each person covered under the<br />
plan receives frame and lens (or<br />
contact lens) benefits once per<br />
calendar year.<br />
• $70 copay for standard and<br />
premium progressive lens, and<br />
for premium progressive lenses<br />
you receive a 20% discount and<br />
a $120 allowance.<br />
• $135 allowance for contact lenses.<br />
• You get a 40% discount on additional<br />
complete pairs of glasses (frames<br />
and lenses) and a 15% discount on<br />
conventional contact lenses (not<br />
including disposable lenses) once<br />
your maximum allowance has<br />
been reached.<br />
FREE<br />
EyeMed Discount<br />
Program is free<br />
19
Life, Accident, Disability and Critical Illness Insurance<br />
If the unthinkable happens—like a sudden illness or death—you can protect yourself<br />
financially with Life, Accident, Disability and Critical Illness Insurance coverage.<br />
FREE<br />
Basic Coverage<br />
for all these<br />
plans is free<br />
Basic Coverage<br />
Your <strong>Pitney</strong> <strong>Bowes</strong> Flex$ cover basic coverage under these plans at no cost to you:<br />
Basic Life Insurance<br />
Pays a benefit if you die while employed by <strong>Pitney</strong> <strong>Bowes</strong> equal to 1 times your annual<br />
base pay.<br />
Business Travel Accident Insurance<br />
Pays a benefit if you have an accident or die while traveling on approved company<br />
business equal to 10 times your annual earnings, with a minimum benefit of $250,000<br />
and a maximum benefit of $2 million.<br />
Short-Term Disability (STD)<br />
Replaces part of your income if you have to temporarily be away from work due to an<br />
injury or illness. Benefits begin after a set waiting period. Before you can receive a<br />
benefit, you must use some of your own time off first. The specific details of your<br />
STD Plan depend on which business unit you are in: Level One, Call Center, PBMS<br />
and PBGS employees are not eligible for STD benefits during your first year of service;<br />
PBI employees are eligible for STD payments up to 26 days, if approved, during your<br />
first year of service. After 21 weeks, this coverage either ends or your long-term<br />
disability (LTD) coverage begins.<br />
Long-Term Disability (LTD)<br />
Replaces 50% of your income if you are unable to work for a long period of time due<br />
to a non-work-related illness or injury. You determine if you want coverage paid with<br />
pretax or after-tax dollars.<br />
• Coverage paid with pretax dollars? You’ll pay taxes on the amount of your benefit,<br />
reducing the amount you receive.<br />
• Coverage paid with after-tax dollars? You pay taxes on the cost of coverage, which<br />
will be lower than the taxes on your benefit.<br />
Do you need<br />
more than basic<br />
coverage?<br />
20<br />
Supplemental Coverage<br />
For additional coverage, you can purchase the following:<br />
Supplemental Life Insurance<br />
For you: 1–5 times your pay; up to a maximum of $2 million.<br />
For your spouse/domestic partner: Up to $250,000 in $10,000 increments.<br />
For your children: $10,000 or $20,000
Supplemental Accidental Death and Dismemberment (AD&D) Insurance<br />
Accidental Death and Dismemberment (AD&D) Insurance protects your family financially<br />
if you or a covered dependent dies or loses a limb, eye or hearing in an accident.<br />
For you: 1–5 times your pay; up to a maximum of $2 million<br />
For your spouse/domestic partner: Up to $250,000 in $10,000 increments<br />
For your children: $10,000 or $20,000<br />
Choosing Supplemental Life Insurance or AD&D?<br />
You may be required to submit proof of good health before your new coverage<br />
becomes effective. This process can involve urine and blood tests (screenings),<br />
along with a physical exam, to be scheduled by a physician.<br />
Supplemental Long-Term Disability<br />
Increase the 50% income replacement you already receive through basic LTD<br />
to 66 2 /3% of your monthly pay. You can choose to pay for coverage with pretax<br />
or after-tax dollars. Supplemental LTD is not available to Buffer employees.<br />
Critical Illness Insurance<br />
Critical Illness Insurance through MetLife complements your medical and disability<br />
income coverage. If you or a covered family member becomes critically ill, you receive<br />
a lump-sum benefit that you can use for anything—medical expenses, household<br />
expenses, rent/mortgage payments, child care and more. You can elect Critical Illness<br />
Insurance if you’re eligible for benefits, but you do not have to be in a <strong>Pitney</strong> <strong>Bowes</strong><br />
medical plan. There’s no waiting period for coverage to begin.<br />
Coverage is optional and you pay the full cost. You can purchase coverage for yourself,<br />
your spouse or domestic partner and your child(ren) at a level of $10,000 each.<br />
Do you want<br />
financial help<br />
if you or a<br />
family member<br />
becomes<br />
seriously ill?<br />
Benefits are paid to each covered person as a percentage of the amount of coverage<br />
you elect up to the $30,000 maximum. You receive payment for the first incident of an<br />
illness. And for certain conditions (heart attack, coronary artery bypass graft surgery<br />
and cancer), if you face the illness again, you can receive a 50% reoccurrence benefit.<br />
There are also certain conditions such as cystic fibrosis and multiple sclerosis for<br />
which each covered person can receive a one-time benefit of 25%. And, if you receive<br />
a major organ transplant, you will receive 100% of your elected benefit amount.<br />
Critical Illness Insurance benefits are subject to lifetime maximum—$30,000 total<br />
benefit amount plus the $10,000 major organ transplant benefit. Once you reach the<br />
lifetime maximum, your coverage will end.<br />
Guaranteed issue<br />
No proof of good health is required when you purchase coverage for 2013.<br />
See www.pbprojectliving.com > U.S. Benefits > Financial for more details about<br />
Critical Illness Insurance.<br />
21
More <strong>Pitney</strong> <strong>Bowes</strong> Benefits<br />
<strong>Pitney</strong> <strong>Bowes</strong> offers you a variety of benefits to help you plan for the future, save<br />
money, manage your finances, take time away from work and more.<br />
Will you need<br />
legal counsel<br />
next year?<br />
Dependent Care Account (DCA)<br />
The Dependent Care Account (DCA)<br />
allows you to save pretax dollars to<br />
pay for qualified daycare expenses<br />
for a child, an elderly parent or a<br />
disabled spouse.<br />
Highlights<br />
• Enroll each year to participate and<br />
set your annual savings goal.<br />
• Estimate your expenses carefully,<br />
because you will lose any unused<br />
balance at the end of the year, per<br />
IRS rules.<br />
• You can contribute up to $5,000<br />
to pay for expenses you incur<br />
throughout the year. If you are<br />
married and filing federal taxes<br />
jointly, both you and your spouse<br />
can have a DCA. Your combined<br />
contributions cannot exceed $5,000.<br />
• Pay for your dependent care<br />
expenses out of pocket and then<br />
submit a claim online through<br />
Your Spending Account (YSA) to<br />
receive reimbursement.<br />
Depending on your gross income, you<br />
may benefit more by taking the child<br />
care tax credit on your income tax return<br />
than by participating in this account.<br />
Group Legal<br />
The Group Legal Plan provides access<br />
to on-call legal counsel whenever you<br />
need it. You pay a small monthly fee,<br />
and you can use the service as many<br />
times as you’d like during the year. You<br />
must enroll each year to participate in<br />
this plan. Representation services for<br />
personal legal issues include:<br />
• General legal advice<br />
• Defense for identify theft, debt<br />
collection, traffic tickets, juvenile<br />
court, civil lawsuits, personal<br />
bankruptcy and restoration of<br />
driving privileges<br />
• Wills, powers of attorney and<br />
living trusts<br />
• Representation if you buy, sell<br />
or refinance your primary home<br />
• Estate planning<br />
• Real estate matters<br />
• Family law<br />
• Legal documents<br />
For more details, call 1-800-821-6400<br />
or visit https://mybenefits.metlife.com.<br />
Need just a little legal advice? Consider<br />
the free legal assistance services<br />
available through the Value Options ®<br />
Employee Assistance Program. Go to<br />
www.pbprojectliving.com to learn more.<br />
22
Optum HealthAllies ® Discounts<br />
Optum HealthAllies ® Discounts is not<br />
insurance but is a discount program<br />
to save on health care and wellness<br />
products and services such as:<br />
• Chiropractic care, acupuncture<br />
and massage therapy<br />
• Hearing devices<br />
• Infertility services<br />
• Home health care and other<br />
long-term care services<br />
• Dental care, including<br />
teeth whitening<br />
• Vision care, including LASIK<br />
You pay for all health care services, but<br />
you’ll receive a discount from health<br />
care providers who have contracted with<br />
the discount plan organization.<br />
You must enroll each year to participate<br />
in this program. For more information,<br />
call 1-877-426-2559, or visit<br />
www.optumhealthallies.com.<br />
Financial Planning<br />
There’s a lot to consider during Annual<br />
<strong>Enrollment</strong>. The financial planners at<br />
Ernst & Young can help you weigh your<br />
options and make choices that best<br />
meet your needs and your budget.<br />
Planners can also support you with a<br />
host of other financial decisions like:<br />
• Assessing insurance needs such<br />
as life insurance<br />
• Long-term care needs<br />
• Getting debt under control<br />
• Tax issues<br />
• Estate planning<br />
• Home financing<br />
• And much more!<br />
There is no need to enroll to participate.<br />
Use this free, confidential service at any<br />
time. Call 1-800-291-8457 to speak<br />
with a planner today. Or, log on to<br />
http://pb.eyfpc.com (User name:<br />
<strong>Pitney</strong><strong>Bowes</strong>; Password: PBEY).<br />
Flex Days<br />
Flex Days are available so you can take<br />
the days off you need, whenever you<br />
need them. During Annual <strong>Enrollment</strong><br />
or when you first enroll in benefits as<br />
a new employee, you can purchase<br />
up to five Flex Days to use throughout<br />
the year. You pay for them with pretax<br />
paycheck deductions and accrue days<br />
you can use for whatever reason when<br />
you run out of other days off.<br />
Things to consider before purchasing<br />
Flex Days<br />
• Flex Days must be used after<br />
all vacation time has been taken<br />
and cannot be rolled over to the<br />
following year.<br />
• The cost of your Flex Days can<br />
be found on your personalized<br />
enrollment worksheet or on the<br />
Your Benefits Resources website.<br />
Pay less for<br />
health and<br />
wellness<br />
services<br />
with Optum<br />
HealthAllies<br />
Discounts<br />
Do you want<br />
more time off<br />
next year?<br />
FREE<br />
Financial<br />
Planning is<br />
free and can<br />
be used as often<br />
as you want<br />
23
More <strong>Pitney</strong> <strong>Bowes</strong> Benefits<br />
401(k) Plan<br />
Saving for retirement may be the most<br />
important financial decision you make.<br />
Participating in the <strong>Pitney</strong> <strong>Bowes</strong> 401(k)<br />
Plan, administered by T. Rowe Price, can<br />
help you prepare for a strong financial<br />
future. And, after one year of service,<br />
<strong>Pitney</strong> <strong>Bowes</strong> helps you build your<br />
savings with matching contributions.<br />
Annual <strong>Enrollment</strong> is a good time to take<br />
stock of your retirement savings efforts<br />
and evaluate your long-term goals.<br />
Ask yourself:<br />
Am I saving enough?<br />
The sooner you start saving for<br />
retirement, the more prepared you will<br />
be when you want to stop working!<br />
Can I save a little more?<br />
Take advantage of the auto-increase<br />
feature of your plan.<br />
Is my money invested the way<br />
I’d like it to be?<br />
Depending on your age and your<br />
goals, you may want to change your<br />
investment strategy.<br />
Are my beneficiary<br />
designations up to date?<br />
Be sure that your balance goes where<br />
you want it to if you should die.<br />
24
Highlights:<br />
• You’re eligible to start saving in the 401(k) your first day on the job. You will be automatically<br />
enrolled 30 days after your hire date at a rate of 3% of your pay. Contributions will be<br />
deducted each pay period and contributed to your account on a before-tax basis. Your balance<br />
from another company-sponsored plan can be rolled over into the <strong>Pitney</strong> <strong>Bowes</strong> plan.<br />
• You choose how much to contribute on a pretax, after-tax, or Roth basis up to the IRS limits.<br />
Use convenient payroll deductions to make your contributions.<br />
• <strong>Pitney</strong> <strong>Bowes</strong> matches your contributions—$0.50 for every dollar you contribute, up to 3% of<br />
your pay (for <strong>Pitney</strong> <strong>Bowes</strong> Mail Services, Pre-Sort Services, Government Services and Level<br />
One employees) or 100% of your contributions, up to 4% of your pay (for all other employees).<br />
YOUR<br />
Contributions<br />
+ =<br />
<strong>Pitney</strong> <strong>Bowes</strong><br />
MATCH<br />
MONEY<br />
For Your Future<br />
• After one year of service, you will automatically receive a company-paid Core Contribution<br />
equal to 2% of your eligible pay, even if you do not make contributions to the 401(k) Plan. You<br />
must have been hired on or after January 1, 2005, to be eligible (Level One employees are not<br />
eligible). Special rules apply for rehired employees.<br />
Learn more about the 401(k) Plan at www.pbprojectliving.com > U.S. Benefits > Financial.<br />
Make changes to your contributions, investments and beneficiaries at any time at<br />
www3.troweprice.com/rws/public/v/home.jsp or call T. Rowe Price at 1-800-922-9945.<br />
And don’t miss these <strong>Pitney</strong> <strong>Bowes</strong> benefits<br />
• Paid time off (vacation and company-paid holidays)<br />
• Employee Assistance Program (EAP)<br />
• Employee Stock Purchase Plan<br />
• Discounts on goods and services<br />
• Adoption assistance<br />
• Tuition assistance<br />
• Commuter benefits<br />
• Scholarships<br />
• Charitable Gift Match<br />
• And more<br />
Visit www.pbprojectliving.com > U.S. Benefits for details about all<br />
<strong>Pitney</strong> <strong>Bowes</strong> benefit programs.<br />
25
How to Enroll and Important Reminders<br />
Follow the steps below to compare your options, and choose the benefits that best fit<br />
your needs and your budget.<br />
Do Your Homework<br />
Understand and compare your options.<br />
These tools and resources can help:<br />
• Health Plan Comparison Charts<br />
on the Your Benefits Resources<br />
website at resources.hewitt.com/<br />
pitneybowes.<br />
• UHC Cost Estimator Tool at<br />
www.myuhc.com/groups/<strong>Pitney</strong>.<br />
You can use the tool even if you<br />
don’t choose the UHC medical plan.<br />
• Health Plan Websites and<br />
Member Services. Go to<br />
www.pbprojectliving.com > U.S.<br />
Benefits > Contacts & Resources<br />
for a full list of plan providers and<br />
contact information.<br />
• <strong>Pitney</strong> <strong>Bowes</strong> Benefits Center:<br />
Representatives are available<br />
to answer your questions from<br />
8:30 a.m. to 6:30 p.m. EST, Monday–<br />
Friday by calling 1-888-5PB-FLEX<br />
(1-888-572-3539).<br />
Choose Your Benefits<br />
Enroll for the first time or make changes<br />
to your current coverage.<br />
• Online at Your Benefits Resources at<br />
resources.hewitt.com/pitneybowes.<br />
Log in with your user ID and<br />
password. Forgot your user ID or<br />
password? Click “I forgot my user<br />
ID” and/or “I forgot my password”<br />
on the Login page, or call the<br />
Benefits Center to create a new<br />
user ID or password.<br />
• Over the phone by calling<br />
1-888-5PB-FLEX (1-888-572-3539).<br />
Enrolling for the first time? Have this<br />
information handy:<br />
• Your Social Security number<br />
• Your birth date<br />
• Your home ZIP code<br />
Enrolling new dependents? Have this<br />
information handy:<br />
• Name(s)<br />
• Birth date(s)<br />
• Social Security number(s)<br />
(you won’t be able to enter<br />
any dependent information<br />
without these)<br />
26
Don’t Forget …<br />
Enroll by the deadline. If you don’t<br />
take action, you’ll automatically be<br />
enrolled in “default” coverage—and be<br />
responsible for the costs—that may not<br />
meet your needs and budget.<br />
• If you are already enrolled in<br />
<strong>Pitney</strong> <strong>Bowes</strong> benefits coverage and<br />
you do not take action during Annual<br />
<strong>Enrollment</strong>, you will remain in your<br />
current coverage for medical, dental,<br />
vision, optional life insurance, Health<br />
Care Account (HCA), Dependent Care<br />
Account (DCA), Group Legal and Flex<br />
Days for 2013.<br />
• If you are newly eligible for benefits<br />
and do not enroll by the deadline,<br />
you will automatically be enrolled<br />
in the Cigna Health Fund Plan<br />
with HRA, Delta Dental Preventive<br />
Plan, Basic Life Insurance and<br />
Basic Long-Term Disability. You<br />
will not participate in any other<br />
benefit programs that require<br />
your enrollment: Health Care<br />
Account (HCA) or Dependent Care<br />
Account (DCA), Supplemental<br />
Life Insurance, Critical Illness<br />
Insurance, HealthAllies Discounts,<br />
Voluntary Vision, Accidental Death<br />
& Dismemberment (AD&D), Group<br />
Legal, or Flex Days.<br />
Verify your dependents. When enrolling,<br />
you must verify that your dependents<br />
are eligible for coverage. If you don’t<br />
provide proof when requested, coverage<br />
for your dependents will not become<br />
effective, and any reimbursement<br />
claims on behalf of that dependent<br />
will be denied. If you need additional<br />
information, please call the Benefits<br />
Center at 1-888-5PB-FLEX. To verify<br />
your dependents, you’ll need:<br />
• A Social Security number for<br />
each dependent<br />
• The Social Security number for<br />
a newborn child within 60 days<br />
of birth<br />
• Certification that your domestic<br />
partnership meets the eligibility<br />
requirements<br />
Update beneficiaries. Ensure your<br />
beneficiary designations for your<br />
insurance plans are up to date. Visit<br />
Your Benefits Resources at resources.<br />
hewitt.com/pitneybowes or call<br />
Benefits Center at 1-888-5PB-FLEX.<br />
Current employees: Take the health<br />
assessment through your medical<br />
plan by November 30, 2012 to lower<br />
your medical paycheck deductions<br />
and complete one of the steps needed<br />
to earn more incentives under the PB<br />
Healthy Rewards Program in 2013.<br />
Check Your Confirmation<br />
Statement<br />
Watch for your confirmation statement<br />
arriving in the mail or when it becomes<br />
available online. It explains your<br />
coverage for the next year. Review it<br />
carefully and report any errors to the<br />
Benefits Center at 1-888-5PB-FLEX.<br />
27
Benefits Contact Information<br />
When you need help or additional information about your <strong>Pitney</strong> <strong>Bowes</strong> benefits<br />
Plan Phone Website<br />
Medical<br />
Cigna: 1-800-244-6224<br />
www.cigna4PB.com (pre-enrollment)<br />
(all plans)<br />
UHC: 1-800-662-1372<br />
www.mycigna.com<br />
Behavioral Health<br />
(Health Fund and<br />
Kaiser: Visit the “Contacts” section www.myuhc.com/groups/pitney<br />
HMO plans)<br />
of their website<br />
(pre-enrollment)<br />
Group Health Cooperative:<br />
1-888-901-4636<br />
www.myuhc.com<br />
www.my.kp.org/pitneybowes<br />
www.ghc.org<br />
Prescription Drugs Express Scripts: 1-866-397-5550 www.medco.com/pitneybowes<br />
Behavioral Health<br />
(PPO only)<br />
Health Savings<br />
Account<br />
ValueOptions: 1-800-272-9435<br />
Bank of America: 1-800-328-5391<br />
JPMorgan Chase: 1-800-224-6224<br />
OptumHealth: 1-800-662-1372<br />
www.achievesolutions.net/pitneybowes<br />
www.bankofamerica.com/benefitslogin<br />
www.mycigna.com<br />
www.myuhc.com<br />
Dental Delta Dental: 1-800-834-8883<br />
Aetna: 1-877-238-6200<br />
www.deltadentalnj.com<br />
www.aetna.com<br />
Vision EyeMed Discount: 1-866-723-0391<br />
Voluntary Vision: 1-866-723-0514<br />
Health & Dependent Aon Hewitt: 1-888-572-3539<br />
Care Accounts<br />
www.eyemedvisioncare.com<br />
resources.hewitt.com/pitneybowes<br />
Life Insurance, AD&D Aon Hewitt: 1-888-572-3539<br />
resources.hewitt.com/pitneybowes<br />
Aetna Life Insurance: 1-800-523-5065<br />
Critical Illness Insurance MetLife: 1-800-438-6388<br />
Disability HR Support Line: 1-800-932-3631 www.pbprojectliving.com<br />
Long-Term Care<br />
Insurance<br />
(not available for<br />
new enrollees)<br />
John Hancock: 1-800-999-0968<br />
http://pb.jhancock.com<br />
User name: pitney bowes<br />
Password: mybenefit<br />
Optum HealthAllies ® Optum Health Allies: 1-877-426-2559 www.optumhealthallies.com<br />
Discount Program<br />
Group Legal MetLife Hyatt Legal: 1-800-821-6400 https://mybenefits.metlife.com<br />
MetLife Auto & Home MetLife Auto & Home Insurance:<br />
1-800-438-6381<br />
https://mybenefits.metlife.com<br />
Financial Planning Ernst & Young: 1-800-291-8457 www.eyfpc.com<br />
User name: <strong>Pitney</strong><strong>Bowes</strong><br />
Password: PBEY<br />
401(k) Plan T. Rowe Price: 1-800-922-9945 www3.troweprice.com/rws/public/v/home.jsp<br />
For questions or to enroll Benefits Center: 1-888-572-3539 http://resources.hewitt.com/pitneybowes<br />
www.pbprojectliving.com<br />
Your 24/7 resource for all <strong>Pitney</strong> <strong>Bowes</strong> benefits.
Benefits Resources<br />
PB<strong>Project</strong>Living Website (www.pbprojectliving.com)<br />
Now with complete U.S. benefits information! Your 24/7 resource<br />
for all <strong>Pitney</strong> <strong>Bowes</strong> benefits and wellness programs.<br />
Your Benefits Resources (resources.hewitt.com/pitneybowes)<br />
Enroll in benefits through Your Benefits Resources online or by phone<br />
at 1-888-5PB-FLEX (1-888-572-3539). Access more information on<br />
services covered by our plans, limitations and exclusions. And you<br />
can access decision support tools.<br />
Summary Plan Descriptions<br />
Complete details about your medical, behavioral health, prescription<br />
drug and dental benefits, what they cover, and how they work can be<br />
found in the Summary Plan Description (SPD) documents. To view an<br />
online copy of the SPDs, visit Your Benefits Resources.<br />
This <strong>Enrollment</strong> <strong>Guide</strong> describes benefits provided as part of the <strong>Pitney</strong> <strong>Bowes</strong> Flexible Benefits Program<br />
and other benefits offered by <strong>Pitney</strong> <strong>Bowes</strong>. It is not intended to provide all the facts and details of the<br />
<strong>Pitney</strong> <strong>Bowes</strong> benefits plans.<br />
<strong>Pitney</strong> <strong>Bowes</strong> reserves the right to make further changes or to terminate any benefits plan or plans at<br />
any time for any reason, without prior notice to or consent from our employees. While <strong>Pitney</strong> <strong>Bowes</strong> has<br />
made every effort to describe the benefits accurately, if any discrepancies exist between the descriptions<br />
of benefits in this guide and the official plan documents and administrative practices, the plan documents<br />
and administrative practices will govern in any and all cases.<br />
The information in this guide should not be construed as advice; it is intended to help you consider many<br />
factors when selecting your benefits options. You have sole responsibility for your benefits elections. In<br />
addition, <strong>Pitney</strong> <strong>Bowes</strong> cannot provide tax advice. In areas where benefits may impact your taxes, it is<br />
recommended that you talk to a tax advisor, or you can call the Ernst & Young Financial Planner Line ®<br />
for free and confidential financial planning at 1-800-291-8457.<br />
IMS#: 115507<br />
pb-ae-dcsngde-ne-13