benefits summary 2021
TRANSCRIPT
Benefits Summary 2021
MEDICAL
DENTAL
VISION
LIFE INSURANCE
DISABILITY
FSAs
401(k) RETIREMENT PLAN
Milwaukee Exempt & Non-Exempt 2021 NEXT u
TABLE OF CONTENTSIntroduction to the TTI Benefits Program ............................................................................................................................ 4
Core Benefits and Additional Coverage ................................................................................................................................ 4
TTI Benefit Program Eligibility ...................................................................................................................................................5
TTI Benefit Enrollment Events ...................................................................................................................................................5
TTI Medical Plans ............................................................................................................................................................................6
TTI Prescription Drug Plan ..........................................................................................................................................................7
TTI Flexible Spending Accounts ...............................................................................................................................................8
TTI Dental Plan .................................................................................................................................................................................9
TTI Vision Plan ................................................................................................................................................................................10
TTI Life Insurance Plan ................................................................................................................................................................. 11
TTI Disability Program................................................................................................................................................................. 12
Plan ID & Debit Cards .................................................................................................................................................................. 13
TTI 401(k) Plan ............................................................................................................................................................................... 14
Other TTI Benefit Programs ...................................................................................................................................................... 15
IRS Plan Limits for TTI Benefits Programs .......................................................................................................................... 16
Contact Information ..................................................................................................................................................................... 16
2021 TTI Contribution Schedules ............................................................................................................................................ 17
TTI Benefits Summary 3
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INTRODUCTION TO THE TTI BENEFITS PROGRAMYour benefits are a valuable part of the awards
of working at TTI. To make the most of your
benefits, you need to understand how they
work. This summary is an introduction to some
of the basic information that you need to make
informed decisions on which plans are best for
you and your family. Plan details and official
documents can be found in the Summary Plan
Description and the accompanying Summary of
Material Modifications documents.
TTI provides a basic level of benefits coverage,
called “Core Benefits”, as well as the opportunity
to enroll in “Additional Coverage” for yourself and
your family. For most plans, coverage is effective
on your first day of active employment.
Every effort has been made for this summary to accurately represent the content of TTI’s benefit
programs. If differences exist then the formal plan documents will govern. Nothing in this document
or any written or verbal statements by a company representative may alter the content of the formal
plan documents.
TTI CORE BENEFITS AND ADDITIONAL COVERAGE
TTI Core Benefits TTI Additional Benefits
Core benefits provided at no cost to
you are:
l Short Term Disability Coverage
(STD)
l Basic Life Insurance—Equal to 2X
your annual base pay
l Basic Accidental Death and
Dismemberment Insurance—Equal
to 2X your annual base pay
l Business Travel Accident Insurance
l Long Term Disability Insurance—
covers 60% of your annual base pay
Additional benefits are:
l Medical—Choice of 3 plans; including a High Deductible Healthcare
Plan (HDHP) that is HSA qualified
l Flexible Spending Account (FSA)—both Healthcare and
Dependent Day Care FSAs
l Dental
l Vision
l Supplemental Life and AD&D for you, your spouse, and children
l Auto and Home insurance coverage
l LiveHealth Online—when enrolled in medical coverage
l 401(k) with pre-tax, ROTH and after-tax options including a
generous company match
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TTI Benefits Summary 4
TTI Benefits Summary 5
TTI BENEFIT PROGRAM ELIGIBILITYEligible EmployeesAll regular full and part-time TTI employees are
eligible for TTI Benefits. Temporary employees
are eligible to participate in the TTI 401(k) Plan
regardless of hours worked.
Eligible DependentsThe legal spouse and children of eligible TTI
employees may be enrolled in TTI Benefits.
TTI BENEFIT ENROLLMENT EVENTSThere are three events that will allow you to
enroll in or make changes to your TTI Benefits.
Those events are:
Open
Enrollment
The 2021 Open Enrollment runs from October 19, 2020 through November 2, 2020.
Benefit elections during this period will be effective January 1, 2021.
New Hire Event Eligible employees may elect benefits within 30 days of their hire date. New hire
elections are effective on the date of hire.
Qualifying
Life Event
TTI Benefits may be elected on or up to 30 days after the occurrence of a
Qualifying Life Event. Qualifying Life Event elections are effective on the date that
the event occurred.
Examples of Qualifying Life Events are marriage, adoption, birth, death, divorce,
and loss of other insurance coverage.
Important Reminder: You are responsible for ensuring that your dependents meet the eligibility requirements of all the
plans you enroll in. TTI conducts audits to confirm eligibility.
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TTI MEDICAL PLANSTTI offers three comprehensive Preferred Provider Organization (PPO) Medical Plans through
Anthem/Blue Cross Blue Shield (BCBS). All TTI Medical Plans offer access to the same PPO
network and broad list of services. When enrolled in any TTI Medical Plan, prescription drug coverage is
provided through Express Scripts.
TTI Medical Plan Summary of Plan Benefits The table below describes the TTI Medical Plan Network and Non-Network deductibles, out-of-pocket
maximums, and coinsurance percentages. For a full description of plan costs and services, please refer
to the TTI Medical Plan section in the Benefits Summary Plan Description.
Plan 1 Plan 2 Plan 3 (HDHP)
NetworkNon-
Network NetworkNon-
Network NetworkNon-
Network
Deductible
Individual $500 $1,000 $1,000 $2,000 $1,400 $2,800
Family $1,000 $2,000 $2,000 $4,000 $2,800 $5,600
Out-of-Pocket Maximum
Individual $2,500 $5,000 $3,500 $7,000 $4,500 $10,000
Family $5,000 $10,000 $7,000 $14,000 $6,650 $20,000
Coinsurance Percentage
Plan Pays 80% 60% 80% 50% 80% 50%
Member Pays 20% 40% 20% 50% 20% 50%
Important Reminder: Medical Plan 3 is a High Deductible Health Plan (HDHP) that allows an employee to enroll for a
tax-free savings account known as a Health Savings Account (HSA). Except for a limited list of
preventive services, all services under Plan 3, including prescription drugs, will not be paid until
you have satisfied your annual deductible.
You should carefully review all the requirements before enrolling in Plan 3. Please refer to the TTI
Medical Plan section in the Benefits Summary Plan Descriptions for more details.
Key features of an HSA:
l Available with Medical Plan 3 only
l Pre-tax contributions up to $3,600
single/$7,200 family. An additional
$1,000 may be contributed if age 55
or older.
l Funds deposited into your account can earn
interest, be invested, and be used tax-free for
qualified health, Rx, dental and vision care
expenses.
l Should you leave the company, you can take your
HSA account and the funds in it with you.
For a full description HSA features, please refer to the HSA section in the Benefits Summary Plan
Description.
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TTI Benefits Summary 6
TTI Benefits Summary 7
TTI Prescription Drug Coverage Summary Table of Plan Benefits The summary table below describes the TTI Medical Plan In-Network prescription drug costs. For a
full description plan costs and services, please refer to the Prescription Drug Benefits section in the
Benefits Summary Plan Description.
Prescription Drug Retail (up to 30-day supply) Mail Order (up to 90-day supply)*
You Pay You Pay
Generic $10 Copay $25 Copay
Preferred 25% Copay $30 Minimum $75 Maximum
25% Copay $75 Minimum
$150 Maximum
Non-Formulary 40% Copay $50 Minimum $155 Maximum
40% Copay $125 Minimum
$300 Maximum
Trend Management Programs Traditional Prior Authorization Step Therapy
Quantity Duration
*�You�are�allowed�two�courtesy�refills�at�a�Network�retail�pharmacy�before�you�must�use�the�mail�order�program.�After�two�retail�refills,�you�will�be�responsible�for�100%�of�the�cost�of�the�medication.
Important Reminder: Medical Plan 3 is a High Deductible Health
Plan (HDHP). All costs for prescription drugs,
will be your responsibility to pay until you
have satisfied your annual deductible.
You should carefully review all the
requirements before enrolling in Plan 3.
Please refer to the TTI Medical Plan section
in the Benefits Summary Plan Description for
more details.
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TTI FLEXIBLE SPENDING ACCOUNTS (FSAs)
TTI provides you with the opportunity to pay
for out-of-pocket medical, dental, vision and
dependent day care expenses with pre-tax
dollars through Flexible Spending Accounts, or
FSAs. Contributions to your FSA are deducted
before any taxes are taken out of your paycheck,
which means that you never pay taxes (Federal,
Social Security, State and Local) on contributions
to your FSA. Some states may tax FSA
deductions
The table below describes the Health Care and
Dependent Day Care FSAs. For a full description
plan costs and services, please refer to the
TTI Flexible Spending Account section in the
Benefits Summary Plan Description.
Key Features of the
Heath Care FSA
l Not available with Medical Plan 3
l Employees may defer pre-tax contributions up to $2,750.
l Funds can be used to reimburse out-of-pocket medical expenses
incurred by you and your dependents.
Key Features of the
Dependent Day Care FSA
l A Dependent Day Care FSA is used to reimburse expenses related to
care of eligible dependents while you and your spouse are at work.
l The maximum that you can contribute to the Dependent Day Care
FSA is $5,000 (2020)
l Dependent Day Care FSA cannot be used for dependent child
health care expenses. You must elect the Health Care FSA for those
expenses.
Important Reminder: It is important that you calculate your contribution amount carefully. Remember you can only get
reimbursed for eligible out-of-pocket expenses incurred in the 2021 calendar year. TTI Health Care
FSA Plan allows you to carryover up to $550 of unused Health FSA dollars from one year into the
next year. Any unused Health FSA dollars above $550 and all unused Dependent Day Care FSA
dollars are forfeited.
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TTI Benefits Summary 8
TTI DENTAL PLANThe TTI Dental Plan covers a wide
range of services including diagnostic
and preventive care, restorative services, major
procedures and orthodontia.
TTI Dental Plan Summary Table of Plan Benefits The table below describes the Network and
Non-Network Deductibles, annual maximums,
and costs of common services covered under
the TTI Dental Plan. For a full description of
plan costs and services, please refer to the TTI
Dental Plan section in the Benefits Summary
Plan Description.
Network Non-Network
Annual Maximum Per Person $1,500
Annual Deductible $50 Individual $150 Family
$50 Individual $150 Family
Diagnostic & Preventive—Exams, Cleanings, X-Rays, Sealants, Fluoride
100% No Deductible, Limit 2 Exams Per Year
100% No Deductible, Limit 2 Exams Per Year
Basic Restorative Procedures 80% 80%
Major Restorative Procedures 50% 50%
Major Services— Crowns, Bridges, Implants
50% After Deductible 50% After Deductible
Child Orthodontia $1,500 Lifetime Maximum, Age 26 Limit 100% After Deductible
TTI Benefits Summary 9
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TTI VISION PLANThe TTI Vision Plan covers a wide range of services including routine eye exams and new
glasses or contact lenses.
TTI Vision Plan Summary Table of Plan BenefitsThe table below describes the Network and Non-Network Coverages, annual maximums, and costs of
common services covered under the TTI Vision Plan. For a full description of plan costs and services,
please refer to the TTI Vision Plan section in the Benefits Summary Plan Description.
Vision Benefits Network Coverage Non-Network Coverage
Copay $10 Per Exam N/A
Annual Maximum None
Exam Coverage 100% Less Copay Up to $45 Reimbursed
Frame Coverage—every 2 years $180 Up to $70 Reimbursed
Lens (Pair)—annually Glass or Plastic
l Single Vision 100% Up to $30 Reimbursed
l Bifocal 100% Up to $50 Reimbursed
l Trifocal 100% Up to $65 Reimbursed
l Polycarbonate 100% $0
Contact Lenses $180 Allowance $105 Allowance
l ElectiveContact lens allowance applies
l Diagnostic, Fitting & Evaluation
Additional Options/Costs
l Standard Progressive Lenses Contact VSP Customer Service at 800-877-7195 to discuss pricing questions
l Scratch Resistant Coating Controlled pricing, varies by service
l Tints
Up to 15% discountl Other Add On Items
l Lasik/Laser Surgery Discount
Provider Network Most independent vision care providers
N/A
Frequency of Benefits
l Vision Exam Every 12 Months
l Frame Every 24 Months
l Lenses or Contacts Every 12 Months
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TTI Benefits Summary 10
TTI LIFE INSURANCE PLANTTI’s Life Insurance Plan offers several types of financial protection for you and your family if
you should die or be injured in an accident.
TTI Life Insurance Plan Summary Table of Plan Benefits The table below describes Basic & Supplemental Life Insurance, Accidental Death & Dismemberment
(AD&D), and Business Travel Accident coverages covered under the TTI Life Insurance Plan. For a full
description of plan costs and coverage levels that may require you to provide evidence of insurability,
please refer to the TTI Life Insurance Plan section in the Benefits Summary Plan Description.
Type of Coverage Cost Amount of Coverage
Basic Life Insurance Company Paid 2X Basic Annual Earnings, $50,000 Minimum, $400,000 Maximum
Basic AD&D Insurance Company Paid 2X Basic Annual Earnings, $50,000 Minimum, $400,000 Maximum
Supplemental Employee Life Insurance
Employee Paid 1X to 4X Basic Annual Earnings, Maximum $750,000
Supplemental Spouse Life Insurance
Employee Paid Options: $10,000; $25,000; $50,000; $100,000; $150,000; $200,000
Supplemental Child Life Insurance
Employee Paid $10,000 Per Child
Supplemental Employee AD&D Insurance
Employee Paid $25,000 increments ranging from $25,000 to $300,000; Not to exceed 10x Basic Annual Earnings
Supplemental Spouse & Child AD&D Insurance
Employee Paid Spouse Only—Equals 100% of Employee Supplemental; Spouse & Children—Equals 100% of Employee Supplemental for Spouse and 15% for Children;
Children Only—Equals 15% of Employee Supplemental
Business Travel Accident Insurance
Company Paid Basic life insurance equal to 2X your basic annual earnings—rounded to the next higher $1,000; Minimum of $50,000 to a maximum of $400,000;
TTI Benefits Summary 11
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TTI DISABILITY PROGRAM
TTI provides two levels of income protection
for employees, Short-Term Disability (STD)
and Long-Term Disability (LTD).
TTI Disability Plan Summary Table of Benefits The table below describes the STD and
LTD benefit programs. For a full description
of these programs, please refer to the
TTI Disability Program section in the
Benefits Summary Plan Description.
STD STD replaces all or part of your income if you are unable to work due to a non-work-related
illness or injury. For an approved disability, you can receive STD benefits for up to 180 days.
STD benefits may vary depending upon your employment status and years of service.
Contact your Human Resources Representative to confirm which STD schedule applies to you.
LTD If you are still unable to work after 180 calendar days of continuous disability, then you
may be eligible for LTD coverage if enrolled. If your LTD claim is approved, you may receive
monthly LTD benefits equal to 60% of your annual base pay.
TTI Benefits Summary12
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TTI Benefits Summary 12
TTI Benefits Summary 13
PLAN ID & DEBIT CARDSMedical &
Pharmacy
l Medical/Pharmacy ID cards are issued
by Anthem/Blue Cross Blue Shield.
l All employees and covered dependents
will receive new Medical/Pharmacy ID
cards in January of each year.
l For newly hired employees, ID cards
will arrive at the address on file within
3 to 4 weeks from the date you
confirm your elections.
l Temporary Medical/Pharmacy ID cards
can be downloaded after you register
at www.anthem.com.
Dental ID Cards l Delta Dental does not mail Dental ID cards.
l Temporary Dental ID cards can be downloaded at www.deltadentalwi.com
Vision ID Cards l VSP does not mail Vision ID cards.
l Log onto www.vsp.com to print your Vision ID card.
FSA Debit Card l When you enroll in the Health Care FSA for the first time, you will be issued a
HealthEquity FSA Debit Card. The Debit Card will be mailed to the address on
file within 2 to 3 weeks after you confirm your enrollment.
HSA Debit Card l When you enroll in an HSA for the first time, you will be issued a HealthEquity
HSA Debit Card. The Debit Card will be mailed to your address on file within
2 to 3 weeks after you confirm your enrollment.
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TTI 401(k) PLANThe TTI 401(k) Plan is a tax-qualified
savings plan to help you save for
your retirement. The Plan provides you with
the option to elect Pre-Tax, ROTH or After-Tax
options. Regardless of how you choose to save,
TTI provides you with a generous match. Your
contributions are automatically deducted from
each paycheck and deposited into your account
along with any Company match you may be
eligible to receive. Vesting on the Company
match is 100% and immediate. The Plan provides
you with a variety of investment options and you
can change your contributions and investments
at any time. All employees, regardless of full-
time, part-time or temporary status are eligible
to contribute immediately. The plan has a feature
that will automatically enroll you for 5% Pre-tax after about 30-days of employment.
The table below describes the Techtronic Industries 401(k) Retirement Plan. For a full description of the
plan, please refer to the 401(k)Summary Plan Description.
The 401(k) Plan
l Allows you to contribute 1% to 75% of your pay,
up to IRS maximum of $19,500 (2020 limit)
through one or more of the following options:
—Pre-Tax
—ROTH After Tax
—After Tax
Before making any elections, you should
carefully review any restrictions and limits
under each option listed above.
l Allows catch-up contributions if you are age
50 and older, up to IRS maximums of $6,500
(2020 limit)
l Company match of 50% on the first
8% saved
l 100% immediate vesting on Company
match
l Administered by T. Rowe Price
l Wide range of investment options
l Accepts for rollovers from other qualified
plans
l Automatic enrollment for newly hired
employees at 5% of pay following 30 days
of employment.
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TTI Benefits Summary 14
TTI Benefits Summary 15
OTHER TTI BENEFIT PROGRAMSTTI offers several additional benefit programs to help you improve and maintain your health, or to help
you to insure assets like automobiles or housing. These programs are voluntary and may be utilized at
your convenience.
The table below outlines the additional benefit programs. For a full description of these programs,
please refer to the Benefits Summary Plan Description.
LiveHeath Online LiveHealth Online is a convenient way for you to interact with a doctor via
live, two-way video on a computer or mobile device to address a medical
situation and in some cases receive a prescription (in most states). You
just need to be enrolled in the TTI Medical Plan and have the LiveHealth
Online smartphone app or a computer with a webcam for access to live
consultations—anytime, anywhere.
Teledoc Health
(formerly
Best Doctors)
Facing any medical situation can be stressful enough without worrying if you
or a family member are getting the right diagnosis and the most effective
treatment. Teledoc offers you peace of mind by giving you access to advice
from the world’s leading physicians. It’s for everything from minor surgery to
serious issues like cancer and heart disease.
Future Moms The Future Moms program is designed to manage the three stages of
pregnancy: preconception, pregnancy and parenting. Expectant mothers are
identified and proactively managed to reduce the risk of premature birth or
other serious maternal issues.
Employee Assistance
Program (EAP)
Mental health and substance abuse conditions are serious and sometimes
require 24/7 access to resources. All TTI employees and their families are
eligible for the Employee Assistance Program.
24/7 NurseLine Receive immediate assistance from a registered nurse, toll-free, 24-hours,
7-days-a-week for situations such as comforting a baby in the middle of the
night or need to locate a doctor.
24/7 NurseLine is not for emergencies. Call 911 or your local emergency
service as soon as possible.
MetLife Auto &
Home Insurance
The MetLife Auto & Home Insurance Program allows employees to secure
auto and home insurance and pay for it through convenient payroll
deductions. Discounts may apply.
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IRS PLAN LIMITS FOR TTI BENEFIT PROGRAMS401K PLAN LIMITS FOR PLAN YEAR 2021 2020
401k Elective Deferrals (Combined Pre-Tax or Roth) $19,500* $19,500
401(k) After-Tax Only (after 401k elective limits) $28,500* $28,500
Catch-Up Contribution Limit (age 50 or older) $6,500* $6,500
Maximum Company Match (50% of first 8% Contributed) $9,750* $9,750
HEALTH PLANS 2021 2020
Max FSA Health Care Contributions $2,750 $2,700
Max FSA Dependent Day Care Contributions $5,000 $5,000
Max Annual HSA Plan 3 Contribution (Single) $3,600 $3,550
Max Annual HSA Plan 3 Contributions (Family) $7,200 $7,100
Min In-Network Annual Plan 3 Deductible (Single) $1,400 $1,400
Min In-Network Annual Plan 3 Deductible (Family) $2,800 $2,800
Max In-Network Annual Out-Of Pocket for Plan 3 (Single) $4,500 $4,500
Max In-Network Annual Out-Of Pocket for Plan 3 (Family) $6,650 $6,650
Annual HSA Plan 3 Catch-Up (age 55 or older) $1,000 $1,000
*At�the�time�of�publication,�the�IRS�had�not�formally�confirmed�these�amounts.
CONTACT INFORMATIONPLAN PROVIDER PHONE WEBSITE
Medical Anthem 866-862-4862 www.anthem.com
Pharmacy Express Scripts 800-711-0917 www.express-scripts.com
Dental Delta Dental 800-236-3712 www.deltadentalwi.com
Vision VSP 800-877-7195 www.vsp.com
FSAs HealthEquity 877-713-7712 www.healthequity.com/TTI
HSA HealthEquity 877-713-7712 www.healthequity.com/TTI
401(k) T. Rowe Price 800-922-9945 TTIRetire.com
EAP Anthem 800-999-7222 www.anthemeap.com
Teledoc Health Teledoc Health 866-904-0910 members.bestdoctors.com
Future Moms Anthem 800-828-5891 www.anthem.com
24/7 Nurseline Anthem 800-700-9184 www.anthem.com
Live Health Online Anthem 888-548-3432 www.livehealthonline.com
Auto & Home Insurance Metlife 800-438-6388 http://choices.metlife.com
Benefits Center ADP 844-884-2363
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TTI Benefits Summary 16
TTI Benefits Summary 17
2021 EMPLOYEE BENEFITS CONTRIBUTION SCHEDULEMEDICAL PLAN
WEEKLY BI-WEEKLY
Plan Option
Plan 1 Plan 2 Plan 3 Plan 1 Plan 2 Plan 3
NS/NT Std NS/NT Std NS/NT Std NS/NT Std NS/NT Std NS/NT Std
EE 16.62 28.15 9.69 21.23 8.54 20.08 33.23 56.31 19.38 42.46 17.08 40.15
EE+S 39.23 50.77 23.54 35.08 22.38 33.92 78.46 101.54 47.08 70.15 44.77 67.85
EE+C 27.46 39.00 17.31 28.85 16.15 27.69 54.92 78.00 34.62 57.69 32.31 55.38
EE+S+C 52.62 64.15 32.08 43.62 30.92 42.46 105.23 128.31 64.15 87.23 61.85 84.92
EE�=�Employee�Only;�EE+S�=�Employee�+�Spouse;�EE+C�=�Employee�+�Children;��EE+S+C�=�Employee�+�Spouse�+�Children;�NS/NT�=�Non-Smoking/Non-Tobacco;�Std�=�Standard
IMPORTANT REMINDER: Requirements for electing Tobacco-Free/Smoke-Free contributions To be eligible for the lower cost Non Smoking/Non Tobacco (NS/NT) contributions, you and all family members you cover under the Medical Plan must have been smoke free and tobacco free for 6 full calendar months prior to your elections. If only one covered family member smokes, uses tobacco of any type, or of vaping of any kind or method, uses e-cigarettes in any manner, you must pay the Standard (STD) contribution rate. See the Benefits Summary Plan Description for more information on this requirement.
DENTAL PLAN VISION PLANWEEKLY BI-WEEKLY WEEKLY BI-WEEKLY
Employee Only 1.38 2.77 Employee Only 1.98 3.96
Employee + Spouse 2.77 5.54 Employee + Spouse 3.16 6.31
Employee + Children 2.77 5.54 Employee + Children 3.23 6.45
Employee + Spouse + Children 4.15 8.31 Employee + Spouse + Children 5.20 10.39
SUPPLEMENTAL LIFE INSURANCE PLANMONTHLY
RATE/$1,000COVERAGE OPTIONS
Less Than 25 0.050
1X, 2X, 3X or 4X Annual Earnings—
$750,000 Maximum
Age 25 to 29 0.060
Age 30 to 34 0.060
Age 35 to 39 0.070
Age 40 to 44 0.100
Age 45 to 49 0.150
Age 50 to 54 0.230
Age 55 to 59 0.430
Age 60 to 64 0.660
Age 65 to 69 1.270
Age 70 & Older 1.989
Spouse Coverage 0.180 $10,000; $25,000; $50,000; $100,000; $150,000; $200,000
Children Coverage 0.080 $10,000 Per Child
SUPPLEMENTAL AD&D INSURANCE PLAN
MONTHLY RATE/$1,000
COVERAGE OPTIONS
Employee Only 0.020 $25,000 increments ($300,000 maximum/ $25,000
minimum)
Employee + Spouse 0.030
Employee + Children 0.030
Employee + Spouse & Children
0.030
LONG TERM DISABILITY
The Company pays the full cost of LTD coverage
Refer to the Summary Plan Description for detailed information
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