Advocate Benefits - Advocate Health Care

2011 Benefits
Reference Guide
…for benefits-eligible associates of
Advocate Health Care

What’s inside…
Benefit basics
Eligibility..................................................................3
Cost......................................................................4
Making good choices
Medical benefits..........................................................4
PPO/DRP.................................................................4
HMO.....................................................................6
Healthe You/Healthe Measures: Advocate’s
commitment to your health and wellness..................................8
Prescription Drug Benefits................................................... 9
Dental benefits.............................................................. 10
Vision benefits.............................................................. 12
Flexible Spending Accounts................................................. 12
Life and Accident Insurance................................................ 15
Disability benefits........................................................... 16
Paid Time Off (PTO)........................................................ 17
Hyatt Legal Plan............................................................. 18
Commuter benefits......................................................... 19
2

Comprehensive protection, competitive cost
Advocate Health Care benefits program
At Advocate, we are proud to offer associates a
benefits program that is competitive with those
of other employers in the Midwest in terms of
both the comprehensive financial protection it
provides and its cost.
It is Advocate’s goal to help associates:
Understand how their benefits works
Recognize the value of the benefits Advocate
provides
Choose benefit options that will best meet their
personal needs during Benefits Enrollment, and
Make the best use of the benefits they choose.
This Benefits Reference Guide highlights key
features of Advocate’s health and welfare
benefits and provides insights into how
you can make the best use of your benefits.
During Benefits Enrollment, it is a valuable
companion to the Benefits Enrollment Guide
which provides instructions for completing the
enrollment process. Please read this Benefits
Reference Guide carefully and keep it handy for
future reference.
Benefit basics
Eligibility
You are eligible to participate in the benefits
described in this guide (unless otherwise noted) if
you are a:
Full-time associate—scheduled to work 40
hours per work week
Part-time A associate—scheduled to work at
least 32 hours per work week, or
Part-time B associate*—scheduled to work at
least 20 hours per work week.
* Part-time B associates are eligible to participate
in all benefits described in this guide EXCEPT
Advocate Health Care disability benefits.
If you are a new-hire, your participation in these
benefits can begin once you complete 30 calendar
days of benefits-eligible Advocate employment.
You can purchase medical, dental, vision and life
insurance coverage for eligible family members,
including your:
Lawful spouse
Qualified domestic partner—see
Domestic Partner Information Guide on
www.advocateinfoexpress.com (go to
Advocate Benefits Online>Resources &
Forms>Resources)
Eligible children—including your natural
children, stepchildren, adopted children and any
children for whom you have legal guardianship.
New for 2011: Extended eligibility
for children
For purposes of medical, dental, vision
and optional life insurance coverage,
eligible children now include children up to
age 26—regardless of student, marital or
employment status and whether or not you
declare them as “dependents” for tax purposes.
Individuals whose coverage ended or who were
denied coverage, or who were not eligible for
coverage because the availability of dependent
coverage for children ended before attainment of
age 26 are eligible to enroll in the medical, dental
and vision plans, and have 30 days beginning
November 1 to enroll.
For more information
To learn more about the Advocate Benefits Program—whether about the plans highlighted in this
booklet or other plans (including retirement benefits) that are available to you—visit Advocate
InfoExpress at www.advocateinfoexpress.com (go to Advocate Benefits Online). If you have any
questions about your Advocate benefits, call Advocate InfoExpress at 800.775.4784. Customer service
representatives are available to talk with you between 8 a.m. and 6 p.m. Central Time, Monday-Friday.
3

Cost
Advocate pays the full cost of Basic Life
and AD&D Insurance and basic Short-Term
Disability (STD) and Long-Term Disability (LTD)
coverage for you. You and Advocate share the
cost of any medical and dental coverage you
choose, while you pay the full cost—based on
low group insurance rates—for any Optional
Life and AD&D Insurance and “buy-up” STD
coverage you choose, as well as the full cost
of any other optional benefits coverage you
choose (e.g., vision coverage, Hyatt Legal Plan,
Commuter Benefits).
New for 2011: Salary-based contributions
for medical coverage
If you’re a Full-time associate, what you pay
for medical coverage will be determined by
benefits-eligible service AND annual base
salary. With this approach:
The longer you work for Advocate, the less
you’ll pay for medical coverage…in short, it
pays to stay.
The more you earn, the more you’ll pay and
the less you earn, the less you’ll pay.
Making good choices
Medical benefits
Advocate offers two medical plans:
PPO/Deductible Reimbursement Plan (PPO/
DRP)—administered by either Blue Cross/Blue
Shield (BCBS) or Humana, or
Health Maintenance Organization (HMO)—
administered by Humana.
You and Advocate share the cost of your medical
coverage. The cost you pay is based on:
The plan you choose—PPO/DRP or HMO
The coverage tier you choose—single,
associate + spouse/domestic partner, associate
+ child(ren) or family, and
Your years of benefits-eligible service—the
more years of benefits-eligible service you
complete with Advocate, the less you pay.
In addition, if you are a Full-time associate, the
cost you pay for medical coverage is also based
on your annual base salary.
New for 2011: Enhanced medical
plan options
Changes to Advocate’s medical plan options for
2011 include:
More tax-free dollars, better protection for you
Salary-based contributions for Full-time
Associates
New BlueCross/BlueShield PPO/DRP
coverage option. Questions regarding
network providers, call 800.327.8497.
No more lifetime cap on benefits. Lifetime
limits on the dollar value of essential health
benefits no longer apply. Individuals whose
coverage ended by reason of reaching a
lifetime limit under the PPO/DRP or HMO plan
are eligible to enroll in either plan and have
30 days begining November 1 to enroll.
PPO/DRP
The two PPO/DRP coverage options—one
administered by BCBS, the other by Humana—are
identical in terms of deductibles, coinsurance and
covered expenses. These two options differ only
in that they each offer different provider networks.
Both PPO/DRP plans pay:
100%—the full cost—of preventive care services
with no deductible when those services are
received from a network provider or facility
80% of the cost of network services or 60% of
the cost of non-network services—once the
annual deductible is met.
4

100%—the full cost—of covered medical
services once you reach your annual out-ofpocket
maximum.
Put tax-free dollars in a Deductible Reimbursement
Account (DRA) for you to use equal to:
–– $600—if you choose single coverage, or
–– $1,200—if you choose associate + spouse/
domestic partner, associate + child(ren) or
family coverage.
Limit your out-of-pocket expenses—not
including deductibles and emergency room
copays—to no more than:
–– $2,000 per person, or
–– $4,000 per family.
New for 2011: Increase your tax-free
DRA dollars
You can double the tax-free dollars Advocate
puts in your DRA for 2011 by earning Healthe
Measures rewards equal to:
$600—if you choose single coverage or
associate + child(ren), or
$1,200—if you choose associate + spouse/
domestic partner or family coverage.
For more details, see Healthe Measures: Earn
more tax-free dollars for 2011 on page 8.
How PPO/DRP coverage works
Preventive Care (100%)
PPO coverage pays 100% of the cost of
preventive care services with no cost to you.
Total Deductible ($1,600, $2,600 or $3,200)
Advocate-provided DRA
($600—$1,200)
Healthe Measures Incentive
(Additional $600—$1,200 added to DRA)
Associate Deductible “Gap”
($400—$800)
Insurance Coverage
Coinsurance (20%) or (10%/10%)
Advocate makes a contribution to your DRA at the
beginning of the year ($600 for single coverage,
$1,200 for all other coverage levels). This account pays
first-dollar for all non-preventive medical expenses.
By participating in the Healthe Measures program,
you can earn additional DRA funds ($600 for single
or associate + child(ren) coverage, $1,200 for all
other coverage levels).
After DRA funds are spent, you are responsible for
a deductible “gap” before PPO insurance coverage
(“coinsurance”) begins. This gap will be $400 or
$800 depending on coverage level.
PPO insurance coverage (“coinsurance”) pays 80% of
additional costs. For services provided at an Advocate
hospital, 10% of the cost will be waived. Once your
share of these costs reaches the annual out-of-pocket
maximum, coinsurance pays 100% for balance of year.
5

Bottom line: More tax free dollars, more
protection for you
If you take full advantage of Healthe Measures,
you can have total tax-free dollars from
Advocate—through a combination of Advocate’s
DRA contribution and Healthe Measures reward—
equal to:
$1,200—if you have single coverage
$1,800—if you have associate + child(ren)
coverage, or
$2,400—if you have associate + spouse/
domestic partner or family coverage.
That’s more tax-free dollars than ever before
to pay medical expenses that apply against
your annual deductible before you have to start
spending any money of your own. And even
with higher annual deductibles in 2011 (see PPO/
DRP annual deductibles for 2011), the amount
you would actually pay out of your own pocket
toward the annual deductible—the “deductible
gap”—will be the same amount as in 2010:
$400—if you have single coverage, or
$800—if you have any other coverage level.
HMO
The HMO coverage option—administered by
Humana—pays:
90% of the cost (through coinsurance) for
certain services—inpatient hospital, outpatient
surgery and outpatient diagnostic imaging
tests (such as MRIs, CAT scans and PET scans)
and you pay 10% of the cost of these services
100% of the cost of office visits after you pay a
copayment, and
100% of the cost of covered services once you
reach the annual out-of-pocket expense limit.
The annual out-of-pocket expense limit is:
$2,000—if you have single coverage, or
$4,000—if you have any other coverage level.
Important! This plan will pay benefits only for
services received from—or provided based
on a referral from—a Primary Care Physician.
Except in an emergency, no benefits will be
paid for services received without your PCP’s
authorization or from a provider who is not a
participant in the HMO network.
PPO/DRP annual deductibles for 2011
The PPO/DRP annual deductibles will be:
$1,600—if you choose single coverage
$2,600—if you choose associate + child(ren)
coverage, or
$3,200—if you choose associate + spouse/
domestic partner or family coverage.
If you go to… Advocate will… You will …
A non-Advocate facility Pay 80% Pay 20%
An Advocate facility Pay 80% and waive 10% Pay 10%
* Does not apply if treatment is unavailable or the hospital is
on bypass.
Don’t overlook the Advocate advantage: If you elect coverage under either PPO/DRP plan and use
Advocate facilities for health care services for yourself and your covered family members, Advocate
will waive 10% of the cost of covered services* (except emergency services) and you will be
responsible for only the remaining 10%.
6

How HMO coverage works
Features Advocate Humana Network
Preventive Care No copayment No copayment
Office Visits:
Primary Care Physician
Specialist
$30 copayment
$45 copayment
$30 copayment
$45 copayment
Lab and X-rays
At hospital
$30 copayment
$30 copayment
In doctor’s office
No charge after copayment
No charge after copayment
Independent lab
No charge after copayment
No charge after copayment
Independent Lab No charge after copayment No charge after copayment
PET, CT, MRI 90/10 coinsurance 90/10 coinsurance
Emergency Room Visits $200 copayment $200 copayment
Inpatient Hospital Stay 90/10 coinsurance 90/10 coinsurance
Outpatient Surgery 90/10 coinsurance 90/10 coinsurance
Behavioral Health—care must be pre-certified
Outpatient Visits
Lifetime Maximum
$30 copayment
Unlimited
$30 copayment
Unlimited
New for 2011: Changing features of
HMO coverage
Starting in 2011:
You and Advocate will pay coinsurance
toward the cost of inpatient hospital services,
outpatient surgery and outpatient diagnostic
imaging tests, and
The copay you will pay for specialist office
visits will be $45.
You can earn tax-free dollars from Advocate
which will be put in a Copay Reimbursement
Account (CPRA) by participating in the new
Healthe Measures program:
–– $200—if you choose single coverage or
associate + child(ren), or
–– $400—if you choose associate + spouse/
domestic partner or family coverage.
More to know about…
Family member coverage
Advocate provides coverage for your eligible
family members—your spouse or qualified
domestic partner and children.
You MUST provide the Social Security number of
any eligible dependent age 2 or older you wish to
add to your coverage under an Advocate medical
plan. You will not be able to enroll the dependent
unless you provide the dependent’s Social
Security number during this benefits enrollment.
The Social Security number(s) you submit will
be kept totally confidential and will be handled in
compliance with the privacy requirements of the
Health Insurance Portability and Accountability
Act of 1996 (HIPAA).
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When enrolling new dependents for coverage,
you will need to provide documentation
that verifies their eligibility for coverage as a
dependent (e.g., a marriage license for your
spouse or a birth certificate for a new child).
Enrolling ineligible dependents under any of
your benefit plans is insurance fraud and will
make you subject to disciplinary action, up to
and including termination of employment.
Non-duplication of benefits/coordination
of benefits (COB)
If you choose PPO/DRP or HMO coverage, include
a family member under your coverage and this
family member has coverage under another plan,
your Advocate coverage may provide primary
or secondary coverage for this family member
under the non-duplication of benefits provision.
Advocate uses the “birthday rule” to determine
which plan is primary. To see how this works,
let’s assume:
You have your spouse under your coverage
with Advocate’s PPO/DRP coverage option.
Your spouse:
–– Is covered by another medical plan
–– Undergoes inpatient surgery performed by
participating providers, and
–– Has already met the deductible under both
plans, and
Both plans provide benefits for 80% of the cost
of covered services.
In this case, your spouse’s coverage will pay
benefits first. Since both plans pay 80% of
covered charges, the full benefit your spouse
receives will be paid by his or her coverage and
no benefits will be paid under the DRP.
If you elect PPO/DRP coverage, you must update
duplicate coverage information for your covered
family members each year, which you can do
during Benefits Enrollment. If you do not provide
this information during Benefits Enrollment,
you must provide it in January or claims for this
family member will be terminated.
Healthe You/ Healthe Measures: Advocate’s
commitment to your health and wellness
At Advocate, we are committed to providing you
and your spouse or domestic partner information,
resources and tools that support healthy lifestyle
choices. That’s what Healthe You is all about. It offers
health and wellness programs—including Healthe
Measures—that you can tailor to support your
personal health and wellness goals. It all starts by
completing a Succeed Questionnaire which assesses
your current health habits and risks and creates a
personalized Heathe Action Plan—just for you!
Healthe Measures is a combination of a finger
stick blood test (Know Your Numbers) and your
height, weight and BMI (Healthe Balance). This
program provides health coaching support.
Healthe Measures offers you the opportunity
to earn tax-free dollars from Advocate for
completing certain healthy activities. How much
you can earn through Healthe Measures depends
on your medical coverage. If you choose PPO/
DRP coverage you can earn an additional $600
or $1,200 for your Deductible Reimbursement
Account (DRA). If you choose the HMO coverage,
you can earn $200 or $400 for your Copay
Reimbursement Account (CPRA).
More information about Healthe You and the
online tools and resources it offers is available
on www.advocateinfoexpress (go to Advocate
Benefits Online>Healthe You) or call Health Media
at 800.937.5717
8

Prescription Drug Benefits
If you elect coverage under the PPO/DRP or HMO, you are covered automatically under Advocate’s
Prescription Benefits Program, which is managed by CVS Caremark. A copay applies to each
prescription you fill through the program:
If you purchase your
prescription…
At a Retail
Pharmacy—30 day
supply
Via Mail Order—
90 day supply
The copayment you will pay for a…
Value Generic drug is… Generic drug is… Preferred Brand Name
drug is…
$3.33 $15 $30 $50
$9.99 $25 $60 $110
Non-Preferred Brand
Name drug is…
Important! You MUST use mail order to fill
prescriptions for maintenance medications. If
you have a 30-day prescription for a maintenance
medication, call 866.776.5677 to take advantage
of FastStart—CVS Caremark’s easy, convenient
way to convert these to 90-day prescriptions that
can be filled by mail order. And don’t overlook
the availability of value generics—the opportunity
to buy more than 350 generic maintenance
medications for only $3.33 at a retail pharmacy or
$9.99 by mail order.
“Value generics” can save you money!
You can fill prescriptions for certain generic
drugs at a discount: just $3.33 for a 30-day
supply at a retail pharmacy or just $9.99 for
a 90-day supply via mail order). For details,
contact CVS/Caremark customer service at
877.775.5624—customer service representatives
are available 24/7.
For a list of Value generics and Preferred brands,
log on to www.advocateinfoexpress.com (go to
Advocate Benefits Online>Prescription Benefits).
9

Dental Benefits
Advocate offers three dental plans:
MetLife Preferred Dentist Program (MetLife PDP)—administered by MetLife
MetLife Preferred Dentist Program with Orthodontia (MetLife PDP with Orthodontia)—administered
by MetLife, or
Dental Health Maintenance Organization (Dental HMO)—administered by First Commonwealth/
Guardian.
Service
Annual deductible
Preventive and diagnostic
services
Basic dental services—
fillings, root canals and
periodontics
Major dental services—
crowns, dentures and
implants
Orthodontia
Benefit Limits
Annual maximum
Lifetime maximum—
orthodontia
MetLife PDP
$25 per person
$75 per family
Plan pays 100%*—no
deductible
Plan pays 80% or
50%*—annual deductible
applies
Plan pays 50%*—annual
deductible applies
Not covered
MetLife PDP with
Orthodontia
$25 per person
$75 per family
Plan pays 100%*—no
deductible
Plan pays 80% or
50%*—annual deductible
applies
Plan pays 50%*—annual
deductible applies
Plan pays 50%—up to lifetime
maximum
No deductible
Dental HMO
After a per-service copay, plan
pays 100% of covered services
$3,000—for services from dentist who is a MetLife PDP
participating provider
No annual maximum
$1,000—for services from a dentist who is NOT a MetLife PDP
participating provider
NA $1,000 per person No lifetime maximum
You and Advocate share the cost of your dental
coverage. The cost you pay is based on:
The plan you choose—MetLife PDP, MetLife
PDP with Orthodontia or Dental HMO, and
The coverage tier you choose—single,
associate + spouse/domestic partner, associate
+ child(ren) or family.
New for 2011: 4 coverage tiers for
dental coverage
To better align all contribution rates with plan
utilization, the four coverage tiers that already
applied to medical coverage—single, associate +
spouse/domestic partner, associate + child(ren)
and family—will now apply to dental coverage.
MetLife PDP
This option allows you to see any dentist you
want for your dental care needs. It pays:
100% of the cost of preventive and diagnostic
services with no deductible
80% or 50% of the cost of basic dental
services—including fillings, root canals and
periodontics—after you meet the annual
deductible, and
50% of the cost of major dental services—
including crowns, dentures and implants—
again, after you meet the annual deductible.
10

The annual individual deductible that applies to
basic and major dental services is:
$25 per person up to a maximum of $75 per
family—if you see a dentist who is a MetLife
PDP participating provider, and
$50 per person up to a maximum of $150
per family—if you see a dentist who is not a
MetLife PDP participating provider.
If you see:
Dentists who are members of the MetLife
PDP network—your benefits are based on
negotiated rates which are typically 20% to
30% lower than reasonable and customary
(R&C) charges.
Dentists who are not members of the MetLife
PDP network—your benefits are based on
reasonable and customary (R&C) charges.
If your dentist charges more than the R&C
charge, you pay the difference between the
R&C charge and the dentist’s actual charge.
Important! If you receive services from a
dentist who is not a MetLife PDP participating
provider, the cost of those services—up to
$1,000 a year—will also apply against the $3,000
annual maximum per person that applies to
services from a MetLife PDP provider. To find
a dentist who is a MetLife PDP participating
provider, go to www.metlife.com/mybenefits or
call 800.942.0854.
The maximum for benefits payable in a year by
the MetLife PDP for covered dental services is:
$3,000—for services of a dentist who is a
MetLife PDP participating provider, and
$1,000—for services of a dentist who is not a
MetLife PDP participating provider.
MetLife PDP with Orthodontia
This option offers the same coverage as the
MetLife PDP except that it also pays:
50% of the cost of orthodontic services up to
a lifetime maximum benefit for orthodontia
services of
$1,000 per person.
No deductible applies to orthodontic expenses,
so benefits are paid right from the start. In
addition, benefits are paid for orthodontic
services whether received from a network
or non-network provider; the only difference
between the two is that—just like any other
covered dental service—benefits for services
received from a network provider will be based
on negotiated fees while benefits for services
from a non-network provider will be based on
reasonable and customary (R&C) charges.
Dental HMO
When you or a covered family member goes to
a Dental HMO provider (a member of the First
Commonwealth/Guardian provider network), this
plan pays:
100% of the cost of preventive and diagnostic
services, and
100% of the cost of other types of services
after you pay a copay based on a schedule that
all dentists who are members of the Dental
HMO network have agreed to accept.
A list of current copay amounts is available
on Advocate Benefits Online (go to Dental
Benefits>Dental HMO Copayment Schedule).
Important! If you choose this option, you must
also choose a member of the Dental HMO
network as a primary care dentist for yourself and
each covered dependent. Benefits will be paid
only for services received from a dentist who is
a member of the Dental HMO network. To find
a dentist who is a member of the Dental HMO
provider network, go to www.guardianlife.com.
If you need a MetLife or First Commonwealth/
Guardian ID card, follow the instructions
provided on www.advocateinfoexpress.com
(go to Advocate Benefits Online>Resources &
Forms>Resources>ID Cards).
11

Vision Benefits
Advocate offers vision coverage through the
Advocate Vision Plan which provides access
to the EyeMed Vision Care member network.
This two-part plan offers you and your family
comprehensive vision benefits and great
customer service at a competitive price.
Premium Benefits
Exam—with
dilation as
necessary
Contact lens fit
and follow-up:
Your cost—
when you use an
EyeMed network
provider
Your
reimbursement—
when you do NOT
use an EyeMed
network provider
$10 copay Up to $30
Standard—up to $40
Premium—10% off
retail price
NA
Frames $0 copay; $130 $45
allowance; 20% off
balance over $130
Standard plastic lenses—once every 12 months
Single vision.
bifocal, trifocal
Standard
progressives
Premium
progressives
$10 copay Up to $25 (single
vision), $40
(bifocal) or $55
(trifocal)
$75 copay Up to $40
$75, 80% of
charge less $120
allowance
Up to $40
You may order replacement contact lenses at a
discounted rate through EyeMed—online at
www.eyemedvisioncare.com—and have the lenses
mailed directly to your home. This feature does not
apply to the purchase of your initial pair of contact
lenses, which you must purchase from your eye care
provider to ensure proper fit and follow-up care.
The cost you pay for vision coverage is based on
the coverage tier you choose—single, associate
+ spouse/domestic partner, associate + child(ren)
or family.
For a listing of EyeMed providers, visit EyeMed’s
Web site—www.eyemedvisioncare.com—or call
866.299.1358. If enrolled in this plan, you will
need an EyeMed ID card to receive benefits.
12
New for 2011: 4 coverage tiers for
vision coverage
To better align all contribution rates with plan
utilization, the four coverage tiers that already
applied to medical coverage—single, associate +
spouse/domestic partner, associate + child(ren)
and family—will now apply to vision coverage.
If you need an EyeMed Vision Care ID
card, follow the instructions provided on
www.advocateinfoexpress.com (go to
Advocate Benefits Online>Resources &
Forms>Resources>ID Cards).
Flexible Spending
Accounts (FSAs)
When you participate in a Health Care or
Dependent Day Care Flexible Spending Account
(FSA), you can use pre-tax dollars to reimburse
yourself the cost of eligible health care and
dependent care services, reducing your out-ofpocket
cost for these services.
Your participation in a Health Care FSA or
Dependent Day Care FSA is voluntary and
must be renewed every year. During Benefits
Enrollment, all you need to do is:
Decide if you want to participate in a Health
Care FSA, Dependent Day Care FSA or both.
Pick the amount you want to contribute to each
type of account.
When you have an eligible expense, you simply
submit an FSA claim along with appropriate
documentation/receipts.
Eligible health care expenses for a given year
may be incurred anytime during the year and
the first 2-1/2 months of the following year. In
other words, you may use your Health Care FSA
for eligible health care expenses that you or a
covered family member incurs from January 1,
of one year through March 15, of the next year.

Eligible dependent care expenses for a given
year must be incurred during the calendar year.
If hired during a calendar year, expenses
eligible for reimbursement must be incurred
after your effective date.
All requests for reimbursement must be filed
by March 31 of the following year.
You will receive a check for the claim amount,
or you may choose to have the reimbursement
directly deposited to your bank account.
These accounts are administered on Advocate’s
behalf by Tri-Star Systems. If you have any
questions about general plan features or
claims related to your FSA contributions, you
can contact Tri-Star Systems by phone at
800.727.0182 (7 a.m. to 5 p.m. ct, Monday-Friday)
or online at www.tri-starsystems.com.
New for 2011: Prescription required!
You must have a prescription for any over-thecounter
(OTC) drugs for which you want to pay
using tax-free dollars from your Health Care
FSA. If you don’t have a prescription, the cost
of an OTC medication will NOT be considered
an eligible expense, except for insulin. OTC
medications may not qualify unless accompanied
by an appropriate prescription from a licensed
physician. More information is available at www.
advocateinfoexpress.com (go to Advocate
Benefits Online>Flexible Spending Accounts).
Using a Health Care FSA when you have a
Deductible Reimbursement Account (DRA)
If you elect the PPO/Deductible Reimbursement
Plan (PPO/DRP):
You will have an Advocate-funded Deductible
Reimbursement Account (DRA) set up in your
name, and
You will not be able to use a Health Care
FSA to pay qualified medical expenses that
would apply against your deductible until you
have exhausted your DRA funds or you have
suspended the DRA account.
However, you will still be able to use a
Health Care FSA to pay other eligible health
care expenses.
13
With these guidelines in mind, it’s important
that you carefully estimate the amount you
should contribute to a Health Care FSA for the
coming year.
Health Care FSA
Even if you participate in Advocate’s medical,
dental and vision plans, you may incur some outof-pocket
health care expenses. The Health Care
FSA allows you to set aside pre-tax dollars for
expenses that aren’t reimbursed through a health
care plan.
There is an annual minimum of $200 and an
annual maximum of $8,000 you may contribute to
your Health Care FSA.
Eligible expenses: Health Care FSA
Expenses for which you may reimburse
yourself from a Health Care FSA include:
Medical and dental deductibles, copayments
and coinsurance amounts
Prescription copayments
Expenses for over-the-counter drugs used
to alleviate or treat an illness or injury—
prescription required
Hearing care expenses, and
Most medical, dental and vision care
expenses which aren’t covered by a medical
or dental plan but are medically needed.
If you’re unsure about whether an expense you
might incur or have incurred may be reimbursed
through the Health Care FSA, check with Tri-Star
Systems at 800.727.0182.
Dependent Day Care FSA
The Dependent Day Care FSA lets you pay for
eligible child, spouse or elder care expenses with
pre-tax dollars.
If you have children or elder dependents who need
day care while you work, the Dependent Day Care
FSA may be right for you. You’ll want to review the
types of child and elder care that are considered
eligible dependent day care expenses as you make
your decision.

You may contribute up to $5,000 a year to your
Dependent Day Care FSA. Note: The annual limit
is $5,000 per family; if you’re married, your spouse
participates in a Dependent Day Care FSA through
his or her employer, and you and your spouse file
separate tax returns, your limit is $2,500.
IRS-required compliance testing. Advocate
regularly performs tests to ensure that plan
contributions comply with IRS rules. Based on
these tests, Advocate is limiting the amount
“highly compensated” associates may contribute
to a Dependent Day Care FSA to $2,000.
Eligible expenses: Dependent Day Care FSA
Expenses for which you may reimburse yourself
from a Dependent Day Care FSA include:
Expenses for the care of a dependent child
under age 13 (care provided inside or outside
of your home)
Expenses for the care of a dependent child
of any age who is physically or mentally
incapable of providing self-care
Expenses for the care of your spouse who is
physically or mentally incapable of providing
self-care, and
Expenses for the care of an adult dependent
that is physically or mentally incapable of
providing self-care, as long as the dependent
lives with you.
Important! If you’re married, eligible dependent
day care expenses must be incurred because you
and your spouse work or go to school on a fulltime
basis. In addition:
Reimbursement will be made only for
expenses incurred during the time you
contribute to a Dependent Day Care FSA.
You will need the taxpayer identification
number of any facility providing care for
your dependent. (If an individual provides
care for your dependent, a Social Security
number is acceptable; the individual must
report the income in order for you to
get the tax advantage of using a flexible
spending account.)
14

Life and Accident
Insurance
Advocate provides Basic Life and Accident Death
and Dismemberment (AD&D) Insurance coverage
automatically and at no cost both equal to:
1 × your annual base salary if you are paid on
an hourly basis, or
2 × your annual base salary if you are salaried
Up to a maximum benefit of $300,000.
The Basic Life Insurance benefit will be paid to
your designated beneficiary(ies) in the event
of your death due to any cause. The Basic
AD&D Insurance benefit will be paid to your
beneficiary(ies)—in addition to your Basic Life
Insurance benefits—if you die as the result of an
accident; 50% of 100% of this benefit will be paid
to you if you are injured and lose a limb or your
sight as the result of an accident.
Because Advocate provides basic coverage to
you at no cost, the cost of providing any coverage
in excess of $50,000 is added to your income and
considered taxable for federal, FICA, state, local
or other payroll tax purposes. On your paystub,
this amount will appear—for tax purposes only—
as “EMP PD LIFE”.
Advocate also offers the opportunity to purchase
additional life and accident insurance coverage at
competitive group insurance rates:
Optional Life Insurance—You can purchase
additional life insurance coverage for:
–– Yourself—in any $10,000 increment from
$20,000 to a maximum of $500,000
–– Your spouse or qualified domestic partner
—in any $10,000 increment from $20,000 to a
maximum of $500,000, and
–– Your dependent children—in the amount of
either $5,000 of $10,000 per child.
Optional AD&D Insurance—You can purchase
additional AD&D insurance for:
–– Yourself—in any $10,000 increment from
$10,000 to a maximum of $250,000, and
–– Your eligible family members—equal to a
percentage of the Optional AD&D Insurance
coverage you choose for yourself. The actual
coverage amount will depend on your family
status at the time a loss occurs (see Optional
AD&D Insurance: Family member coverage).
Note: Optional Life Insurance coverage is
portable. You can take this coverage with you at
special group rates if you leave Advocate.
New for 2011: Higher maximum benefit,
lower rates!
The maximum benefit for basic life and
accident insurance is now $300,000—up from
$250,000 in 2010.
Based on great claims experience, you’ll
pay—on average—40% less for any
optional life and accidental death and
dismemberment insurance you choose
for 2011.
Designating a beneficiary
Your beneficiary is the person—or persons (you may name more than one beneficiary)—you wish to
receive your life and accident insurance benefits in the event of your death. You can designate your
beneficiary online at www.advocateinfoexpress.com (log on to Health & Welfare Benefits, then click
on Continue until your reach the Beneficiary Information screen).
15

Disability Benefits
If you become disabled due to illness or
injury and are unable to work, you can receive
continuing income benefits through Advocate’s
Disability Income Protection Plan (DIPP). Starting
January 1, 2011, this plan offers:
Short-Term Disability (STD) benefits—Continuing
income equal to 60% of your base pay through the
first five months of disability, and
Long-Term Disability (LTD) benefits—Once
your STD benefits end, continuing income
equal to 60% of your base pay for as long as
you remain disabled or, if sooner, you reach
age 65. Note: If your disability begins after you
reach age 61, LTD benefits will continue as
long as you remain disabled—but not beyond a
specified period of time.
During Benefits Enrollment, you have the
opportunity to elect a “buy-up” option to increase
your STD benefit equal to:
15% of base pay—If elected during Benefits
Enrollment for 2011, this “buy-up” option
will provide a total STD benefit equal to 75%
of base pay. No evidence of insurability is
required to qualify for this coverage.
10% of base pay—If elected any time after
Benefits Enrollment for 2011, this “buy-up”
option will provide a total STD benefit equal to
70% of base pay. Evidence of insurability (proof
of good health) will need to be submitted
before this additional coverage can take effect.
Note: This buy-up option will be available
only to newly-eligible associates or at annual
Benefits Enrollment.
You will pay the cost of this voluntary “buy-up”
STD coverage with pre-tax payroll contributions.
Both STD and LTD benefit payments are capped at
$7,500 per month. If this is less than 60% of your
base salary, you will have the option to buy-up
additional coverage—up to a maximum of $20,000
per month—through pre-tax payroll contributions.
New for 2011: “Buy-Up” option for
Short-Term Disability (STD) benefits.
The basic STD benefit will be 60% of base
pay starting in 2011, but you will have the
opportunity to purchase additional coverage
during Benefits Enrollment for 2011 equal to 15%
of base pay; after Benefits Enrollment for 2011,
this “buy-up” option will equal 10% of base pay.
Note: If you are on a Disability Leave of Absence,
the Limited Hours Program provides you an
opportunity to return to work with a reduced
schedule while continuing to receive disability
benefits. More information about this program
is available at www.advocateinfoexpress.com
(go to Advocate Benefits Online>Disability
Benefits>Limited Hours Program).
Disability Certification
Disability benefits will be paid only if your disability is certified by the Disability Council based on a
clinical assessment of your injury or illness. You are considered disabled:
During the first 24 months of your certified disability—if you cannot perform the essential
functions of your regular job because of your illness or injury. The Disability Council will review
the documentation your physician provides and reach a decision about your disability status. Time
that you work in a limited-hours capacity will count towards the 24-month disability period.
After 24 months of a certified disability—if you are unable to work at any job. This means literally
any job for which you are reasonably qualified by your education, training or experience, not just
positions available within Advocate.
16

Paid Time Off (PTO)
Advocate’s paid time off (PTO) benefits are
designed to give you the time you need to spend
with family and friends, take care of personal
matters, travel, enjoy a holiday or just relax!
PTO is also intended to be used for unplanned
absences—such as for minor illnesses.
You accrue PTO on a per-pay-period basis and
your accruals increase with your years of benefits
eligible service.
Important! You will NOT accrue PTO while on a
leave of absence.
Additional information about the PTO program is
available at www.advocateinfoexpress.com (go
to Advocate Benefits Online>Paid Time Off)
PTO lopoff
If your PTO bank is in excess of the maximum
annual accrual allowed, those additional hours
are eliminated or “lopped off” during Pay
Period 1 of the following year, as follows:
Your PTO balance in the last pay period of
each year (includes PTO taken and accrual)
minus
PTO taken in Pay Period 1 of the following year
equals
Your PTO balance subject to the maximum
carryover (lop off)
PTO accrued during Pay Period 1 will be applied
to your PTO bank after elimination of hours in
excess of the maximum. This creates the best
opportunity for you to maximize your accrued
PTO benefit before the annual lop off.
You accrue PTO on a per-pay-period basis
and your accruals increase with your years of
benefits eligible service at Advocate.
PTO cashout
During annual Benefits Enrollment, you may
elect to cash out 1 to 10 days of your accrued
PTO. For plan purposes, a day is considered
to be 8 hours. The cash out will be paid at
your straight time base hourly rate in effect at
the time of payment during the first or fourth
quarter of the following calendar year.
Elected cash out hours will be deducted from
your PTO balance at the time of payment. If
your accrued PTO hours at the time of payment
is not sufficient to pay the full cash out amount,
you will receive payment equal to your current
accrued PTO account balance.
The election to cash out PTO is irrevocable
during the calendar year for which the election
is made.
17

Hyatt Legal Plan
The Hyatt Legal Plan offers you and your family
convenience and value, plus the comfort of
knowing you can access legal services for many
personal legal matters. And there are no limits on
the number of times you can use the plan…and
no dollar limit on your use of a plan attorney for
the following types of legal matters:
Consumer Protection
Debt Matters
Defense of Civil Lawsuits
Document Preparation
Family Law
Immigration Assistance
Real Estate Matters
Traffic Matters/Criminal—excluding DUI
Wills and Estate Planning
You pay for group legal plan coverage with aftertax
deductions from your paycheck. Your cost per
bi-weekly paycheck is $8.75. This cost provides
coverage for yourself, your spouse or domestic
partner and your eligible dependents.
The Hyatt Legal Plan is offered through Hyatt
Legal Plans, a MetLife company.
When you enroll in the Hyatt Legal Plan:
You will have access to a network of more than
10,000 attorneys.
Each attorney meets the plan’s stringent
selection criteria and, on average, has 22 years
of experience.
Whenever you need legal assistance, simply
contact the Hyatt Legal Plan:
–– Online—go to www.legalplans.com any
time, day or night, or
–– By phone—call 800.821.6400 between 7 a.m.
and 6 p.m. Central time, Monday-Friday.
It’s like having your own lawyer on retainer!
No deductible or copay, no waiting periods, no
claim forms and no limits on usage—as long
as you use an attorney who is part of the Hyatt
Legal Plan.
More information about the Hyatt Legal Plan is
available at www.advocateinfoexpress (go to
Advocate Benefits Online>Hyatt Legal Plan).
18

Commuter Benefits
When you enroll in the Advocate Commuter
Benefits Program:
You can use pre-tax dollars to pay the cost of
your commuter-related expenses—including
monthly transportation passes, fare cards and/
or vouchers for buses and trains bus and train
fares—cutting your out-of-pocket cost for these
expenses by as much as 20 to 40%.
You decide an amount to deduct from your
paycheck each month—up to the $120 a month
maximum allowed under IRS guidelines.
Your contributions are automatically deducted
from your paychecks in equal amounts before
any taxes (payroll or income) are taken from
your earnings.
You can enroll in the Commuter Benefits Program
at any time. Just go to the Participant Login
section of the www.flexdirect.adp.com website
and register as a first time user. You will be
prompted to create a Username and Password.
More information about the Hyatt Legal Plan is
available at www.advocateinfoexpress (go to
Advocate Benefits Online>Commuter Benefits).
The deadline for initiating or changing an order
for passes for subsequent months will be the
4 th day of the preceding month. (Typically, you
will be able to initiate or change an order at any
time during the 30 days prior to the applicable
deadline date.)
About this Benefits Reference Guide…
This Benefits Reference Guide highlights certain
features of the Advocate Health Care benefits
program. It does not contain all the terms and
provisions of the plans that are part of this
program. If there is a discrepancy between
the content of this guide and the official legal
documents for these plans, the official legal
documents will govern.
Advocate reserves the right, at its discretion, to
amend, change or terminate any of its benefit
plans, programs, practices or policies, as it
requires. Nothing in this summary shall be
construed as creating an expressed or implied
obligation on Advocate’s part to maintain such
benefit plans, programs, practices or policies.
About your benefits: Required notices
Health Insurance Portability and Accountability Act of 1996 (HIPAA)—Your Advocate-sponsored
medical, dental and vision coverage will protect the confidentiality of your Protected Health
Information (PHI)—individually identifiable health information that relates to your past, present or
future health treatment, or payment for health care services.
Newborns’ and Mothers’ Health Protection Act—If you, a covered spouse or a dependent female
child is having a baby, your medical coverage will not restrict benefits for any hospital stay in
connection with childbirth to less than 48 hours following a normal vaginal delivery or 96 hours
following a cesarean section.
Women’s Health and Cancer Rights Act of 1998—Your Advocate-sponsored medical coverage
provides benefits for mastectomy-related services and complications resulting from a mastectomy
(including lymphedema). These benefits include reconstruction and surgery to achieve breast
symmetry and prostheses. Normal copayments may apply.
19 © Advocate Health Care 10/10