Transcription of empower - danaherbenefits.com
1 empower your benefits : your health Enrollment Guide 2012 Health and Welfare Benefits Table of Contents This Enrollment Guide provides details of the comprehensive Your 2012 Health and Welfare benefits available to you for 2012. Be sure to read this guide Benefits at a Glance 1. carefully, share it with your family and consider the right benefit Overview of Your Danaher Benefits 4. choices for your needs. Medical Plan Choices 6 The benefits described in this guide are available to associates Prescription Drug Coverage 10 of Danaher and its participating subsidiary companies. Employee Assistance Program (EAP) 14 This guide provides benefits highlights for each plan and Behavioral Health 15 supplements information available at Dental Plan 16 or on the MyBenefits website at Vision Plan 17.
2 Life Insurance and AD&D 19. Disability Program 21. Flexible Spending Accounts 22. Voluntary Benefits 24. Benefits Assistance 25. Your 2012 Health and Welfare Benefits at a Glance You will find an overview of your benefit plans in the following chart. You are eligible for all of these benefits (unless otherwise specified) if you are a regular associate of Danaher working 20 or more hours per week. Benefit/Options Who Can Be Covered Who Pays for Coverage Enrollment Information Medical Associate only You and Danaher share the Enroll during annual enrollment 80/20 Plan Associate + spouse or qualified cost of your coverage, with or during the year if you same-sex domestic partner Danaher paying the majority.
3 Experience a qualified life Your contributions are made status change or if you are a 90/10 Plan Associate + child(ren) on a pre-tax basis. newly eligible associate. Associate + family Employee Assistance Associate Danaher Automatically enrolled. Program (EAP) Associate's spouse or qualified CIGNA Behavioral Health same-sex domestic partner Associate's children Dental Associate only You and Danaher share the Enroll during annual enrollment CIGNA Dental Plan Associate + spouse or qualified cost of your coverage, with or during the year if you same-sex domestic partner Danaher paying the majority. experience a qualified life Your contributions are made status change or if you are a Associate + child(ren) on a pre-tax basis.
4 Newly eligible associate. Associate + family Vision Associate only You pay for the full cost of this Enroll during annual enrollment Vision Service Plan (VSP) Associate + spouse or qualified coverage on a pre-tax basis. or during the year if you same-sex domestic partner experience a qualified life status change or if you are a Associate + child(ren) newly eligible associate. Associate + family Flexible Spending Accounts You are reimbursed for expenses You make pre-tax contributions Enroll during annual enrollment (FSA) incurred on behalf of yourself to your accounts. or during the year if you Health Care FSA and/or an eligible dependent experience a qualified life (except for a same-sex domestic status change or if you are a Dependent Day Care FSA partner) newly eligible associate.
5 1. Benefit/Options Who Can Be Covered Who Pays for Coverage Enrollment Information Basic Life Insurance Associate only Danaher pays for coverage Automatically enrolled. equal to the greater of 1 times pay or $50,000. The amount of coverage reduces at ages 65, 70, 75 and 80. If your benefit at 1 times pay is greater than $50,000, you can elect the $50,000 option to avoid imputed income tax. Optional Life Insurance Associate only You pay for this additional Enroll during annual enrollment You can purchase coverage in coverage on a post-tax basis. or during the year if you increments from to 3 times experience a qualified life status pay, up to $2 million maximum change or if you are a newly combined with Basic Life Insurance.
6 Eligible associate. A Statement of Health may be required. Accidental Death & Associate only You pay the full cost of this Enroll during annual enrollment Dismemberment (AD&D) coverage on a post-tax basis. or during the year if you Insurance experience a qualified life Coverage available in increments status change or if you are a ranging from 1 to 5 times annual newly eligible associate. base pay, up to $1 million. Dependent Life Insurance Associate's spouse or qualified You pay the full cost of this Enroll during annual enrollment (spouse) same-sex domestic partner coverage on a post-tax basis or during the year if you Coverage options available: based on your age.
7 Experience a qualified life status u $10,000 change or if you are a newly u $25,000 eligible associate. A Statement u $50,000 of Health may be required. u $75,000. u $100,000. Dependent Life Insurance Associate's dependent children You pay the full cost of this Enroll during annual enrollment (child) coverage on a post-tax basis. or during the year if you Coverage options available experience a qualified life for children (per child): status change or if you are a u $5,000. newly eligible associate. u $10,000. 2. Benefit/Options Who Can Be Covered Who Pays for Coverage Enrollment Information Short-Term Disability (STD) Associate only Danaher Automatically enrolled.
8 Income replacement for a If you live in California, Hawaii, specific number of weeks, New Jersey, New York or Rhode after a seven calendar day Island, you may be required to elimination period. pay for statutory disability coverage. Long-Term Disability (LTD) Associate only You pay the full cost of this Enroll during annual enrollment Income replacement of 60% of coverage on a post-tax basis. or during the year if you your base monthly pay (maximum experience a qualified life status of $15,000/month) until you change or if you are a newly are no longer disabled after a eligible associate. Evidence of 26-week elimination period. Insurability may be required.
9 Legal Assistance Plan Associate and family You pay the full cost of this Enroll during annual enrollment Provides certain legal services coverage on a post-tax basis. or during your enrollment period from experienced attorneys. if you are a new hire or a newly eligible associate. Auto and Home Associate only You pay the full cost of this Enroll any time by contacting Protection Plan coverage on a post-tax basis. MetLife directly. 3. Danaher provides a comprehensive benefits package to you and your family. Overview of Your Danaher Benefits Eligibility uY. our dependent children by birth or legal You are eligible for all the health and welfare adoption age 26 or older who are physically benefits described in this guide if you are a or mentally disabled, reside with you and rely regular associate of Danaher and its subsidiary on you for support.
10 The child's disabled status companies working 20 or more hours per week. must be approved by the medical plan you are enrolled in before the end of the month the For medical, dental, vision and dependent life child reaches age 26. insurance plans, your eligible dependents include: You may also cover children for whom you uY. our legal, opposite-sex spouse (including have a legal responsibility to provide medical, your opposite-sex common-law spouse) as dental or vision care through a Qualified determined in accordance with the law of the Medical Child Support Order, a divorce decree state in which you reside. or full legal custody agreement filed with uY. our qualified same-sex domestic partner the courts.