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DACHSER USA/Americas 2019 Benefits.

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Presentation on theme: "DACHSER USA/Americas 2019 Benefits."— Presentation transcript:

1 DACHSER USA/Americas 2019 Benefits

2 Short Term Disability - LFG
60% of weekly earnings up to $300 weekly based upon employee status Begins after the 8th day of illness/accident (non work related) Benefit period is 13 weeks Premiums paid by DACHSER

3 Long Term Disability - LFG
60% of earnings up to $6,000 of monthly salary Begins at the cessation of the Short Term Disability 90 day waiting period Benefits payable to age 65 Three month survivor benefit Partial disability covered Residual disability covered Premiums paid by DACHSER

4 Group Term Life Insurance - LFG
One time annual earnings up to $200,000 Accidental death benefits of one time annual earnings up to $200,000 Premiums paid by DACHSER

5 Employee Voluntary Life Insurance - LFG
Benefit amounts available from $10,000 to $100,000 Spouse and dependent children benefits available Coverage is portable after 12 months Premiums paid by employee

6 Cost of Insurance – Meritain/Aetna
POS Plan Annual Gross Income Employee Employee + Child(ren) Employee + Spouse Family $40,000 - Under $190.00 $230.00 $240.00 $260.00 $40,001 - $60,000 $195.00 $250.00 $280.00 $60,001 - Above $215.00 $270.00 $300.00 Deductions are per pay period and include medical, dental & vision insurance.

7 Medical Benefits – Meritain/Aetna
POS Plan In-Network Providers Out-of-Network Providers Calendar Year Deductible Individual $600.00 $2,400.00 Family (Up to 3 members) $1,800.00 $7,200.00 Out of Pocket Maximum (includes Deductible) $9,600.00 Family (Up to 3 members, All copays, coinsurance and benefit deductibles contribute towards your out-of-pocket maximum) $28,800.00

8 Medical Benefits – Meritain/Aetna
POS Plan In-Network Providers Out-Of-Network Providers Physician Office Visits All Physician Office Visits Primary Care Physician $15 Co-Pay then 90% Subject to deductible and then 60% Specialist $30 Co-Pay then 90% Urgent Care $50 Co-Pay then 90% Preventive/Routine Services 100% Covered then 70% Emergency Room visit $ Co-Pay

9 Medical Benefits – Meritain/Aetna
POS Plan In-Network Providers Out-Of-Network Providers Inpatient Mental/Chemical Dependency 90% after the deductible 60% after deductible Hospice and Home Care 90% after the deductible. Chiropractic, Occupational, Physical, and Speech therapy (limit 20 visits annually) $15 Co-Pay Primary Physician $30 Co-Pay Specialist

10 Medical Benefits – Meritain/Aetna
POS Plan Retail Mail Order (3 Months) Prescription Drugs Generic $15 Co-Pay $ 30 Co-Pay Brand Name $40 Co-Pay $ 80 Co-Pay Non-Preferred $60 Co-Pay $120 Co-Pay No Annual Maximum Yearly or Lifetime

11 Cost of Insurance – Meritain/Aetna
Health Reimbursement Account Annual Gross Income Employee Employee + Child(ren) Employee + Spouse Family $40,000 - Under $99.00 $180.00 $190.00 $210.00 $40,001 - $60,000 $145.00 $200.00 $230.00 $60,001 - Above $165.00 $220.00 $250.00 Deductions are per pay period and include medical, dental & vision insurance.

12 Medical Benefits – Meritain/Aetna
Health Reimbursement Account: DACHSER will fund the first $1,000 (individual) and the first $2,000 (family) of the calendar year deductible. If not used during the year, the amount will carry over. In-Network Providers Out-of-Network Providers Calendar Year Deductible Individual $2,000.00 $8,000.00 Family (Up to 3 members) $4,000.00 $16,000.00 Out of Pocket Maximum (Includes deductible, copays and coinsurance) Out of Pocket Maximum (includes Deductible) Family (One individual is $6,850 and second individual is $1,150 totaling $8,000 for your total out of pocket max or all individuals can collectively reach $8,000.) $30,000.00

13 Medical Benefits – Meritain/Aetna
Health Reimbursement Account In-Network Providers Out-Of-Network Providers All Physician Office Visits 90% After Deductible 60% After Deductible Routine/Preventive Care 100% Covered 70% After Deductible Emergency Room visit

14 Medical Benefits – Meritain/Aetna
Health Reimbursement Account In-Network Providers Out-Of-Network Providers Inpatient Mental/Chemical Dependency 90% after Deductible 60% after deductible Hospice and Home Care 90% after Deductible. Chiropractic, Occupational, Physical, and Speech therapy (limit 20 visits annually)

15 Medical Benefits – Meritain/Aetna
Health Reimbursement Account In-Network Providers Out-Of-Network Providers (MRI, MRA, CAT Scan, PET Scan, etc.) at Physician office 90% after Deductible 60% after Deductible (MRI, MRA, CAT Scan, PET Scan, etc.) Inpatient/Outpatient at hospital In-Patient Hospitalization

16 Medical Benefits – Meritain/Aetna
Health Reimbursement Account Retail Mail Order (3 Months) Prescription Drugs Generic $15 Co-Pay $30 Co-Pay Brand Name $40 Co-Pay $80 Co-Pay Non-Preferred $60 Co-Pay $120 Co-Pay No Annual Maximum Yearly or Lifetime

17 Dental Benefits – Meritain/Aetna
POS Plan & Health Reimbursement Account Dental Benefits Preventive Services 100% Deductible Waived Calendar Year Deductible Individual $50.00 Family $150.00

18 Dental Benefits – Meritain/Aetna
POS Plan & Health Reimbursement Account Dental Benefits Basic Services 80% Major Services 50% Calendar Year Maximum $1,500.00 Orthodontia coverage 50% After Deductible (Up to age 19) Maximum coverage $1,000.00

19 Vision Care – EyeMed POS Plan & Health Reimbursement Account Vision Benefits Routine Eye Exams (1 per calendar year) $10 Co-pay Eyeglass Lenses (1 per calendar year) 100% after $20 Co-pay Frames (1 every 24 months) 100%, up to $120, 20% off balance over $120 Contacts (1 per calendar year) Conventional 100%, up to $110, 15% off balance over $110 Disposable 100%, up to $110 Medically Necessary 100% **Please see Vision Benefits Summary for more detailed information.

20 Vision Care - EyeMed POS Plan & Health Reimbursement Account Vision Benefits In-Network Providers Out-Of-Network Providers Routine Eye Exams (1 per calendar year) $10 Co-pay (MRI, MRA, CAT Scan, PET Scan, etc.) at Physician office 60% after Deductible Eyeglass Lenses (1 per calendar year) 100% after $20 Co-pay (MRI, MRA, CAT Scan, PET Scan, etc.) Inpatient/Outpatient at hospital Frames (1 every 24 months) 100%, up to $120, 20% off balance over $120 In-Patient Hospitalization Contacts (1 per calendar year)

21 Flexible Spending – Meritain/Aetna
The Flexible Benefit Plan is an employer-sponsored plan that allows you to pay for certain premiums, eligible medical expenses and dependent care expenses on a pre-tax basis. Paying for these expenses with pre-tax dollars saves you money by lowering your taxable income. Health Care Reimbursement FSA: $2,650 maximum per calendar year. Dependent Care FSA: $5,000 per calendar year maximum, or $2,500 if you are married and filing separate tax returns. You should only set aside amounts that you expect to incur during the plan year, January 1st – December 31st, Amounts can include expenses for yourself, your spouse or your dependents as long as you claim them as a dependent. Any amounts left in your account at the end of the plan year will be forfeited; essentially use-it-or-lose-it. Therefore, please plan carefully when making your election. It cannot be changed during the plan year unless you have a qualified status change.


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