Employee Benefits Brochure 2015-2016.pdf

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VOLUNTARY SUPPLEMENTAL LIFEAND AD&D INSURANCEYou may elect to purchase Supplemental Life Insurancefor yourself and/or your eligible dependents. You will paythe full cost of any additional Life Insurance/AD&Dcoverage you elect. Your contributions are deducted onan after-tax basis, that is, after federal — and, in mostcases, state — income taxes and FICA taxes are withheld.If you enroll in coverage when first eligible (first day ofthe month following 60 days of service), coverage willbe issued without requiring evidence of good health (upto certain limits). If you elect coverage during the annualOpen Enrollment period, you will need to complete apersonal health application for evidence of insurability.The Hartford, our insurer, will determine if coverage willbe approved.DEPENDENT COVERAGEYou have the option to purchase Life Insurance/AD&D coverage for your spouse and/or eligibledependents; however, to do so, you mustpurchase coverage for yourself.If you elect to cover your spouse, he/she will becovered in increments of $5,000 to a maximumamount of $250,000, or 50% of the employeeapproved amount. Your spouse will need toprovide evidence of good health for amountsover $25,000.If you elect to cover your child(ren), each child willbe covered for $10,000 (children ages 15 days to 6months are limited to a reduced benefit of $100).You have the option to purchase Supplemental Lifeand AD&D coverage for yourself between one and seventimes your earnings, up to a maximum of $1,000,000.The guaranteed issue amount is $500,000 or fivetimes your salary. However, you will need to complete apersonal health application, for evidence of insurability,before any additional amounts over $500,000 canbecome effective.11
HEALTHIER LIVINGTOLLFIT WELLNESS PROGRAMWe want to help you improve and maintain a healthy lifestyle. Whether it’sexercising a little more each day — or it’s more serious, like dealing with achronic health condition — we want you to have access to the resources thatwill provide you with the support, knowledge and tools you’ll need to makesmart choices and stay healthy.Through TOLLFIT you’ll have access to:■■Health Risk Assessments (HRA)■■Preventive Care Services■■Smoking Cessation Program■■Weight Management Program■■Online Wellness ToolsWe created TOLLFIT— a programthat’s all about your personalhealth and well-being.■■Fitness DiscountsYou do not need to be enrolled in the Toll Brothers’ health plans to participatein most of the wellness options through the TOLLFIT program. Additionalinformation about TOLLFIT can be found on the <strong>Benefits</strong> T-Net page.12
Page 2: BEFOREYOU BEGINThink about it—cho
Page 5 and 6: BENEFIT PLAN OVERVIEWYOUR BENEFITS
Page 7 and 8: MEDICAL PLANToll Brothers offers yo
Page 9 and 10: DENTAL & VISIONDENTAL PLANSToll Bro
Page 11: INCOME PROTECTION PLANSLIFE INSURAN
Page 15 and 16: EMPLOYEE ASSISTANCEPROGRAM (EAP)Tol
Page 17 and 18: ADDITIONAL BENEFITSGROUP AUTO AND H
Page 19 and 20: BENEFIT COSTSAs a Toll Brothers emp
Page 21 and 22: CONTACT INFORMATIONPlan Member Serv
Page 23 and 24: IMPORTANT LEGAL NOTICES22SUMMARY HE
Page 25 and 26: 24ADDITIONAL NOTES

Employee Benefits Brochure 2015-2016.pdf

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