2016 pca group 1 benefits overview salaried d3 (01530627 … › pdfs › pca › salaried... ·...

2016 Benefits Overview For U.S. Salaried Employees

Group 1

At Packaging Corporation of America (PCA), we recognize the importance of providing competitive benefits – benefits that help you achieve a healthy, financially secure future. On the following pages you’ll find a broad overview of your benefit options, so you can choose the plans and coverage levels that fit you and your lifestyle.

What you’ll find inside . . . GETTING STARTED .................................................................................................................... 1

Healthcare Contributions ........................................................................................................... 1

Enrolling for Health Benefits ...................................................................................................... 1

HEALTH BENEFITS ..................................................................................................................... 2

Medical Benefits ........................................................................................................................ 2

Prescription Drug Benefits ......................................................................................................... 5

Dental Benefits .......................................................................................................................... 8

Vision Benefits ........................................................................................................................... 9

Flexible Spending Account ...................................................................................................... 10

Employee Assistance Program (EAP) ..................................................................................... 11

INSURANCE BENEFITS ............................................................................................................ 12

Life Insurance .......................................................................................................................... 12

Accidental Death and Dismemberment Insurance .................................................................. 12

Long Term Disability (LTD) Insurance ..................................................................................... 13

Business Travel Accident Insurance ....................................................................................... 13

OTHER BENEFITS & SERVICES .............................................................................................. 14

Health Advocate ...................................................................................................................... 14

Survivor Support Program - AYCO ......................................................................................... 14

TOOLS & RESOURCES ............................................................................................................. 15

Benefit Information .................................................................................................................. 15

Contacts .................................................................................................................................. 16

1 BENEFITS OVERVIEW • HEALTH BENEFITS

GETTING STARTED PCA’s benefit options are intended to provide valuable protection for both you and your family, today and into the future. Medical and prescription drug are the only combined plans. That means you can choose the plans and coverage level that work best for you – for a benefits package that’s comprehensive, cost effective, and, most of all, designed for you and your current needs.

Healthcare Contributions For most of your healthcare benefits, you help pay in the form of a contribution that is deducted from your paycheck before taxes. Depending on your enrollment elections (and annual base pay for medical) you pay a percentage of the cost of coverage, and the company pays the balance.

You’ll find details regarding your contribution rates in your enrollment kit.

Enrolling for Health Benefits You may enroll yourself, your spouse, and/or your eligible dependent(s) in a health benefits program during your designated enrollment period. Coverage is effective the first of the month following your date of hire or the first of the month if that is your date of hire. If your situation changes – through marriage or the birth of a child, for example – you can change your coverage by notifying the PCA Benefits Center within 45 days of the qualifying event (within 60 days for special enrollment events related to Medicaid or the Children’s Health Insurance Program [CHIP]).


HEALTH BENEFITS Medical Benefits The medical benefits program is designed to enhance your ability to live a healthier life – helping you cover the cost of office visits, hospital stays, surgery, and other common medical services. The program is administered by Blue Cross Blue Shield of Illinois (BCBSIL); and you choose the plan level:

Both plans feature a Preferred Provider Organization (PPO) network – or a group of providers (physicians, hospitals, and other healthcare professionals) who have agreed to provide most medical services at negotiated fees. While you can choose to receive care from out-of-network providers, you will pay more.

In addition to the BCBSIL Silver PPO or Gold PPO options, an HMO may be available in some areas.

Silver PPO Lower monthly premium; lower level of benefits

Gold PPO Higher monthly premium; higher level of benefits


Medical Benefits at a Glance

IN-NETWORK

PPO-GOLD PPO-SILVER

Individual Family Individual Family

Your Annual Deductible for medical

$250 $750 $750 $1,500

Your Maximum Out-of-Pocket includes prescription drug and mental health

$1,500 $4,500 $4,000 $8,000

Your Copay for a Primary Care office visit

$20 not subject to Annual Deductible

applies to out-of-pocket maximum



Your Copay for a Specialist office visit





Medical plan pays For most covered services

80% after Annual Deductible

80% after Annual Deductible

Medical plan pays for recommended preventive care

100% not subject to Annual Deductible

100% not subject to Annual Deductible

To find a PPO provider, view your claims – even get a cost estimate: www.bcbsil.com or (888) 979-4516


Medical Benefits at a Glance (cont)

IN-NETWORK

BCBS IL HMO (FOR EMPLOYEES IN CHICAGOLAND AREA ONLY)

KAISER HMO (FOR EMPLOYEES IN CALIFORNIA ONLY)

Individual Family Individual Family

Your Annual Deductible for medical

$0 $0 $0 $0

Your Maximum Out-of-Pocket includes prescription drug and mental health

$1,500 $3,000 $1,500 $3,000

Your Copay for a Primary Care office visit

$10 applies to out-of-pocket maximum


Your Copay for a Specialist office visit



Medical plan pays For most covered services

100%

100%

Medical plan pays for recommended preventive care

100%

100%

To find a BCBS IL HMO provider, view your claims, or get a cost estimate: www.bcbsil.com or (800) 892-2803

To find a Kaiser HMO provider, view your claims, or get a cost estimate: www.kp.org or (800) 278-3296


Prescription Drug Benefits When you enroll for medical coverage, you are automatically enrolled in the prescription drug program. The prescription drug program, administered by CVS Caremark, Inc., uses a tiered Drug List. The amount you pay for your prescription drug depends on the type of drug and how it is classified:

Generic drugs – includes preferred or commonly prescribed low-cost drugs.

Preferred brand drugs – includes “preferred” brand-name drugs, as well as some generic drugs.

Non-preferred drugs – includes non-preferred brand-name drugs, as well as some generic drugs. Many have lower-cost alternatives. Ask your doctor if switching to a lower-cost generic or preferred brand drug may be right for you.

Speciality drugs – includes high cost medication that has been distinctly engineered and manufactured to treat very serious illnesses.

Mail Order Program or Maintenance Choice

CVS Caremark provides a convenient way to obtain long-term, maintenance medications by allowing you to order up to a 90-day supply, delivered directly to your home or filled at a local CVS pharmacy paying the same co-pay for the 90-day supply.

You may fill your maintenance medications at your local participating pharmacy up to a limit of three (3) 30-day refills before either changing to Mail Order or being charged a higher copay.

Maintenance medications are prescription drugs you take regularly for ongoing conditions, such as high blood pressure, high cholesterol, or depression.


Prescription Drug Benefits at a Glance

PPO-GOLD PPO-SILVER Your Maximum Out-of-Pocket

Combined with Medical See “Medical Benefits at a Glance” on page 3

Your Copay for Generic drugs

$10 Retail $20

Mail Order

$10 Retail $20

Mail Order

Your Copay for Brand name drugs

$20 Retail $40

Mail Order

$40 Retail $80

Mail Order

Your Copay for Non-preferred drugs

$30 Retail $60

Mail Order

$80 Retail $160

Mail Order

Your Copay for Specialty drugs

$100 $200

Prescription drug coverage through CVS Caremark

Prescription drug coverage through CVS Caremark

To view the Drug List or manage your prescription medications: www.CVS Caremark.com or (866) 559-6882


Prescription Drug Benefits at a Glance (cont)

BCBS IL HMO (FOR EMPLOYEES IN CHICAGOLAND AREA ONLY)

KAISER HMO (FOR EMPLOYEES IN CALIFORNIA ONLY)

Your Maximum Out-of-Pocket

Combined with Medical See “Medical Benefits at a Glance” on page 4

Your Copay for Generic drugs

$5 for 34-day supply $10 for 90-day supply

$10

Your Copay for Brand name drugs


$10

Your Copay for Non-preferred drugs


$10

Your Copay for Specialty drugs

$50 $10

Prescription drug coverage through BCBS IL HMO

Prescription drug coverage through Kaiser HMO


Dental Benefits Your dental benefits are designed to place emphasis on preventive treatment, while providing assistance should you require more serious, and costly, dental treatment. The plan (Traditional Dental Plan + PPO) is administered by CIGNA. You’re free to choose any licensed dentist; however, when you choose a dentist who participates in the dental PPO network, you receive the most value, since he/she has agreed on negotiated fees.

Dental Benefits at a Glance

Individual Family

Your Annual Deductible for Preventive and Diagnostic (P&D) and Orthodontic services

$0

Your Annual Deductible for Basic and Major services

$50 $150

Dental plan pays for Preventive and Diagnostic (P&D)

d l i

100% of covered expenses

Dental plan pays for Basic services e.g. periodontal maintenance, fillings


after Annual Deductible

Dental plan pays for Major services e.g. bridges, crowns, dentures


after Annual Deductible

Dental plan pays for Orthodontia services


Maximum plan pays (Annual) for P&D, Basic, Major services

$1,500 per covered individual

Maximum plans pays (Lifetime) for orthodontic services

$1,000 per covered individual

Maximum plan pays (Lifetime) for periodontal services

$5,000

To find a dental PPO provider or manage claims: www.cigna.com or (888) 336-8258


Vision Benefits Your vision benefits feature a network of providers who offer discounts for your vision care, including routine eye exams, glasses, and contact lenses. The vision plan is employee paid and administered by Vision Service Plan (VSP).

Vision Benefits at a Glance PLAN COVERS

per covered individual

VSP Network Provider Non-VSP Provider

Annual routine eye exam 100% of covered expenses

up to $50 reimbursement

of covered expenses

Prescription glasses for the lenses (one pair/year)

100% for single vision lenses,

lined bifocals, lined trifocals, and polycarbonate lenses for children and disabled

dependents


for single vision lenses

up to $75 reimbursement for lined bifocals


for lined trifocals

Prescription glasses for the frames

up to $130 +

20% off out-of-pocket costs


Contact Lenses that are elective

$105

allowance for contact lens exam (including fitting

and evaluation) and contacts

$105

allowance for contact lens exam (including fitting

and evaluation) and contacts

Contact Lenses that are medically necessary

100% with prior approval from VSP


with prior approval from VSP

To learn more about VSP member discounts or to find a vision provider: www.VSP.com or (800) 877-7195


Flexible Spending Account An FSA allows you to use tax-free dollars to pay for eligible out-of-pocket healthcare or dependent care expenses. FSAs are administered by WageWorks.

There are two types of accounts available:

Healthcare FSA – you can elect up to $2,500 per year to pay for eligible out-of-pocket healthcare expenses. The Healthcare FSA provides you the opportunity to proactively plan and budget for your healthcare expenses annually.

Dependent Care FSA – you can elect up to $5,000 per year to pay for eligible expenses for the care of your child(ren) under age 13 or an incapacitated spouse or dependent parent, so you (and your spouse, if you are married) can work or attend school fulltime.

How the Program Works When you enroll in an FSA, you estimate your out-of-pocket expenses for the coming calendar year and elect an annual goal amount. The goal amount is then divided into equal amounts that are automatically deducted from each of your paychecks on a pretax basis and deposited into your FSA. (Keep in mind that if you enroll anytime after the first of the year, the goal amount is still dividided equally for the remainder of the calendar year). You have from January to December to incur eligible out-of-pocket expenses.

If you enroll in an FSA, you will receive a welcome kit from WageWorks. The kit will provide more details about WageWorks and how the program works.

One important FSA restriction required under IRS regulations is the ‘Use it or lose it” rule. This rule states that if you set aside more money in an FSA than you can claim in reimbursements, you will lose any money left in your account. So, estimate your out-of-pocket expenses carefully and take advantage of the savings the FSA has to offer. And Remember: you must elect an FSA each year in order to participate in the program.

To learn more about FSAs or to file a claim: www.wageworks.com or (877) 353-9236


Employee Assistance Program (EAP) The Employee Assistance Program (EAP) provides professional, confidential counseling to help you and your eligible family members manage life/work issues, including marital and family problems, drug and alcohol abuse, depression, stress, and anxiety. The program is administered by Magellan and is available to you and your eligible family members at no cost.

To access available resources, or find a local provider: www.magellanassist.com or (800) 288-2422

12

BENEFITS OVERVIEW • INSURANCE BENEFITS

INSURANCE BENEFITS Life Insurance The life insurance benefit assists your family financially in the event of your death. The company automatically provides you with Basic term life insurance equal to 1.5 times your annual earnings (up to a maximum of $2 million).

In addition, you may choose to add supplemental life insurance:

For yourself – in an amount equal to 1, 2, 3, 4, or 5 times your annual earnings rounded up to the nearest $1,000 (up to a maximum of $3 million).

For your spouse – in an amount up to 100% of your basic and supplemental life amount combined. In increments of $10,000 rounded up to the nearest $1,000 (up to a maximum of $500,000) with a guaranteed issue of $30,000.

For your child(ren) – in the amount of $2,500, $5,000, or $10,000 of coverage. Each child will be covered by the full amount of insurance, but you pay only one monthly rate for all your children.

Documentation of your good health may be required for any supplemental or optional insurance coverage.

Accidental Death and Dismemberment Insurance Accidental Death and Dismemberment (AD&D) provides a benefit should you sustain certain covered injuries or die as the result of a covered accident. The company automatically provides you with Basic AD&D coverage equal to 1.5 times your annual earnings (up to a maximum of $2 million).

In addition, you may choose to add supplemental AD&D insurance for yourself or your entire family, in the amount of $100,000, $200,000, $300,000, $400,000 or $500,000.

To learn more about Life or AD&D insurance or to file Life or AD&D claims: resources.hewitt.com/pca or (877) 453-0945

13

BENEFITS OVERVIEW • OTHER BENEFITS & SERVICES

Long Term Disability (LTD) Insurance The Long Term Disability (LTD) benefit helps protect you financially in the event of a long-term illness or injury. The LTD Plan helps provide you with a monthly benefit of up to 60% of your “monthly Covered Earnings,” up to a maximum of $40,000 a month. This is a company-paid benefit. Refer to your Long Term Disability Program SPD for details.

To learn more about LTD insurance: www.cigna.com or (800) 238-2125

Business Travel Accident Insurance This plan provides benefits if you die or become dismembered due to an accident that occurs while you are on business travel for PCA (other than routine commuting between your home and your primary work location). The death benefit equals 5 times your annual base salary up to a maximum of $500,000.

To learn more about Business Travel Accident insurance: www.cigna.com or (800) 238-2125

14

BENEFITS OVERVIEW • OTHER BENEFITS & SERVICES

OTHER BENEFITS & SERVICES Health Advocate This Service is available to all PCA employees, their spouses, dependents, parents and in-laws. These professionals (nurses, doctors, psychologists, etc.) can help you find doctors, hospitals and specialists, clarify health benefit coverage issues, and answer questions about treatment options, tests and procedures. The service can also help untangle medical bills and claims.

To learn more about your Health Advocate: www.HealthAdvocate.com/members or (866) 695-8622

Survivor Support Program - AYCO PCA employees and their families can use this service to assist them in making certain difficult but necessary financial decisions related to the death of a PCA employee or his/her spouse.

To learn more about AYCO: (800) 235-3417

15

BENEFITS OVERVIEW • TOOLS & RESOURCES

TOOLS & RESOURCES You’ll find more detailed information, specific to your particular benefit programs, by logging into the Your Benefits Resources™ (YBR) site (resources.hewitt.com/pca); you may also go through the PCA portal (PCA portal > PCA benefits). Here’s a look at the resources you’ll find:

Benefit Information The company provides Summary Plan Descriptions (SPDs) to help you understand the details of each benefit program. It’s important you read the SPDs to help you understand what is covered under the various programs, and how to use your benefits to gain the most from them.

16


Contacts YOUR BENEFITS RESOURCE

Administrator Contact info Why you might contact them

PCA Benefits Center Aon Hewitt

PO Box 563908 Charlotte, NC 28256

(877) 453-0945 M-F 8 a.m. to 5 p.m. CT

Your Benefits Resources™ site resources.hewitt.com/pca

• Manage benefits

• Update beneficiaries • Get help with benefits – including

access to expert retirement advice

YOUR BENEFITS ADMINISTRATORS

HEALTH BENEFITS Benefit / Administrator Contact Why you might contact them

Medical Blue Cross Blue Shield of Illinois

(888) 979-4516 www.bcbsil.com

• Find a PPO provider • Request ID cards • File/manage a claim • Get help with questions or issues

(800) 772-6896

Call for: • Inpatient hospital pre-certification • Out-of-network admissions • Healthy Expectations program

Prescription Drug CVS Caremark

(866) 559-6882 www.CVSCaremark.com

• Access the primary drug list • Manage prescriptions • Get help with questions or issues

Dental CIGNA

(888) 336-8258 www.cigna.com

• Access plan details • Find a PPO provider • File/manage a claim • Get help with questions or issues

Vision Vision Service Plan (VSP)

(800) 877-7195 www.vsp.com

• Find a VSP provider • Access info about VSP discounts • Get help with questions or issues

Flexible Spending Accounts (FSA) WageWorks

(877) 353-9236 www.wageworks.com

• Access plan details • File/manage a claim • Get help with questions or issues

17


HEALTH BENEFITS (CONTINUED) Benefit / Administrator Contact Why you might contact them Employee Assistance Program (EAP) Magellan

(800) 288-2422 www.magellanassist.com

• Find a local provider • Access tools and resources • Get help with questions

COBRA and Direct Billing CONEXIS

(866) 206-5751 • Get help with questions on COBRA or direct bill

INSURANCE BENEFITS Life and Accidental Death & Dismemberment Insurance PCA Benefits Center

(877) 453-0945 resources.hewitt.com/pca

• Access plan details • Manage beneficiaries • File/manage a claim • Get help with questions or issues

Long Term Disability (LTD) CIGNA

(800) 238-2125 www.cigna.com

• Manage a claim • Get help with questions or issues

LEAVES AND DISABILITY Short Term Disability and FMLA

PCA Absence Management Center (877) 453-0945 resources.hewitt.com/pca

• Access plan details • File/manage a claim • Get help with questions or issues

RETIREMENT BENEFITS 401(k) Retirement Savings PCA Benefits Center


• Access plan details • Manage your investments

Pension (PCA) PCA Benefits Center


• Initiate retirement • Get help with questions or issues

Pension (Boise) Milliman

(877) 725-8675 • Initiate retirement • Get help with questions or issues

OTHER BENEFITS AND SERVICES Health Advocate (866) 695-8622

healthadvocate.com/members • Get help with healthcare and

insurance related issues

Survivor Support (AYCO) (800) 235-3417 • Get help making financial decisions after an employee death

YOUR PAY INFORMATION

Login to PCA’s online payroll management tool: PCA Portal > Human Resources > PCA HR Online > Ceridian Self Help

For U.S. Salaried Employees 2016 Benefits Overview | Last Update 09/15

IMS# H000164996

This overview does not include all program rules and details. The terms of your benefit

programs are governed by the summary plan descriptions (SPDs) and legal documents,

including insurance contracts. The company reserves the right to change or discontinue any or all of its benefits programs at any time. This

overview supplements the SPDs for PCA’s employee benefits program and should be kept

with your other benefits materials.

2016 pca group 1 benefits overview salaried d3 (01530627 … › pdfs › pca › salaried... ·...

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