Transcript Slide 1

2013 Annual
Enrollment and
Benefit Changes for
U.S. Employees
October 5, 2012
2013 Benefits and Annual Enrollment
 Over the next 45 minutes…
 Our Benefits Philosophy
 Benefits Partner Changes
 Overview of Benefits for 2013
 Benefit Program Changes
 Benefit Plan Basics
 Annual Enrollment Process
 Retirement Benefits
 Additional Questions
2
Our Benefits Philosophy
 Our benefits philosophy






Provide a comprehensive package of benefits
Provide a high quality customer service experience
Foster better health care decision-making through plan design
Encourage appropriate benefit choices
Provide plan design and cost that are at market median
Those who use more health care benefits will pay more
 Our benefits program is based on caring for your total health, and
we are committed to:
 Provide benefits that support personal, physical and financial health for
you and your family
 Offer wellness programs, tools and resources to help enhance your life
 Establish customer service and health advocacy as a priority
3
Your Commitment
 Your commitment to use what we provide to:
 Take care of yourself

Wellness and Incentive program details will be mailed to your home address
in November
 Make informed benefit choices


2013 Benefits Enrollment Guide
Medica’s Cost Advisor tool
 Make informed personal, physical and financial health decisions

Utilize Medica’s health coach program to get you started
4
Benefit Partner Changes
 Medica will replace Aetna as our medical plan administrator
 Medica partners with United HealthCare (UHC) to provide networks
across the U.S.
 Better customer service
 Goal of getting you the right answer
 Delta Dental will become our new dental plan administrator
 Same PPO-type of plan as now, with similar benefits
 Larger provider network
 Enhanced customer service
 OptumHealth Bank is our new HSA provider
 Your contributions and the H.B. Fuller contribution will be deposited to
your new HSA with OptumHealth beginning January 1.
 If you keep your J.P. Morgan Chase HSA you will be responsible for
fees associated with that account.
 There are several ways to transfer existing balances from J.P. Morgan
Chase to OptumHealth Bank. You will receive additional information
by mail to your home address.
5
Overview of Benefits for 2013
Medical Plan Design
Value 750 Option
In-network
Annual Deductible
$750 Single
$1,500 Family
Company-funded HSA
Out-of-pocket
maximum (includes
deductible &
coinsurance
Primary Care
Physician Office Visit
Specialist Office Visit
Preventive care
Emergency care
Outpatient surgery
Out-of-network
$1,500 Single
$3,000 Family
$40
does not apply to deductible
and out-of-pocket maximum
$40
does not apply to deductible
and out-of-pocket maximum
Plan pays 100%; no
deductible
Plan pays 80% after
deductible and $150*
copayment
Plan pays 80% after
deductible
$2,000 Single
$4,000 Family
$3,000 Single
$6,000 Family
$500/Single
$1,000 Employee + 1 & Family
(paid per pay period throughout 2013
N/A
$3,500 Single
$7,000 Family
High Deductible with HSA option
In-network
Out-of-network
$7,000 Single
$14,000 Family
$4,000 Single
$8,000 Family
$5,000 Single
$10,000 Family
You pay 40% after
deductible
Plan pays 80% after
deductible
Plan pays 60% after
deductible
You pay 40% after
deductible
Plan pays 80% after
deductible
Plan pays 60% after
deductible
No coverage
Plan pays 100%; no
deductible
No coverage
Covered as in-network
Plan pays 80% after
deductible
Covered as in-network
Plan pays 60% after
deductible
Plan pays 80% after
deductible
Plan pays 60% after
deductible
6
Overview of Benefits for 2013
Prescription Drug Benefits
Value 750 Option
In-network
High Deductible with HSA Option
Out-of-network
In-network
Out-of-network
You pay 40% after
deductible
Retail Prescription
Drugs
(Cost shown is for a
31-day supply. You
can also get a 93 day
supply at retail at 3x
cost shown)
Tier 1:
$10 or the cost of the drug if less
than $10
Tier 2:
You pay 30% (minimum
$25/maximum $50)
Tier 3:
You pay 50% (minimum
$65/maximum $130)
You pay 40% after
deductible
You pay 20% after deductible
for Tier 1 and Tier 2.
You pay 40% after deductible
for Tier 3.
Specialty Pharmacy
Tier 1 and Tier 2: You pay 50%
(maximum $200)
Rx costs do not apply toward
deductible or out-of-pocket max
No coverage
Tier 1 and Tier 2: You pay 20%
after deductible
No coverage
Mail Order Drugs
(93 day supply)
You pay 2 copays for a 93-day
supply for the same drug
Rx costs do not apply toward
deductible or
Out-of-pocket max
No coverage
You pay 20% after deductible
No coverage
7
Overview of Benefits for 2013
Premium Rates
 Changing medical and dental plan premiums to align rates with the
cost of providing coverage for family members
Value 750 Option
Premium
EE
EE + Spouse or Domestic Partner
EE + Child(ren)
EE + Family*
Bi-weekly
Monthly
$35.54
$82.15
$72.92
$119.54
$77.00
$178.00
$158.00
$259.00
EE
EE + Spouse or Domestic Partner
EE + Child(ren)
EE + Family*
High Deductible with HSA Option
%
Change
8.8%
14.7%
(20.9%)
9.8%
Bi-weekly
Monthly
$28.15
$66.00
$58.15
$96.00
$61.00
$143.00
$126.00
$208.00
Delta Dental PPO
Bi-Weekly
Monthly
$5.08
$11.00
$9.69
$21.00
$10.62
$23.00
$14.77
$32.00
%
Change
(5.7%)
.8%
(29.0%)
(3.7%)
% Change
0%
0%
0%
0%
* Family includes spouse or domestic partner and child(ren)
8
Benefit Program Changes
2013 Government Mandated Benefit Changes
 Women’s health preventive care covered at 100%
 W-2 Reporting
 Summary of Benefit Coverage (was sent 10/1 with Enrollment
materials)
 Maximum you can contribute to an HSA in 2013 is increasing to
$3,250 for employee and $6,450 for employee plus one or more
 If you are age 55 or older, you may contribute an additional $1,000 to
your HSA
 Maximum you can contribute to a Health Care Flexible Spending
Account is decreasing to $2,500 per IRS rules
9
WELCOME TO MEDICA!
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About Medica
Our market standing
• Online
• Personal Health
Profile
• My Health Rewards
• Pharmacy
• Nurse line
• Main Street Medica
 Medica has been in business more than 37

years.
• Lifestyle
• Rewards
Provide health •coverage
related services
Condition Support and
• Transparency
• Improved Health
to approximately 1.5 million members
 Fastest growing health plan 2001-2011:
80% growth
 Medica Health Plan: A Rated*
*Weiss Rating, Inc. rates health insurers on financial strength and stability
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LET’S GET STARTED
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®
Medica Choice Passport
>670K
National providers
>5K
National hospitals
>60K
National pharmacies
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®
Medica Choice Passport Network
 National provider network
 See any network doctor without a referral
• Medica Choice Passport
• UnitedHealthcare Choice Plus
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BENEFITS OVERVIEW
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Your Summary of Benefits
Choice Passport
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Benefit Program Changes
Medical Plan Administration
Adopted many Medica standard practices
 No specific age or frequency limits for preventive care, instead,
physician recommendations are followed
 Immunizations covered at 100%
 Value 750 plan: Lab tests covered at 100% in-network
 Complex imaging (X-rays, MRI, etc.) covered at 20% coinsurance
regardless of where administered (doctor’s office, hospital, lab)
 Acupuncture covered for other services at office visit copay with 15 visit
annual limit
 Orthopedic shoes are covered when a diagnosis of diabetes is present;
foot orthotics are covered
 No precertification penalties
 Obesity treatments not covered out of network, but no frequency limit
with in-network Centers of Excellence
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17
Benefit Plan Basics
Convenience Care – Value 750 Plan
 $25 copay for office visits (as opposed to $40)
Participating facilities include:





Minute Clinic (CVS Pharmacy) - National
Target Clinic – National
Take Care Health (at select Walgreens) – National
Rcmh Llc – Texas
Little Clinic – Georgia
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18
HEALTH SAVINGS
ACCOUNT (HSA)
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What is an HSA?
Think of it like a medical savings account:
 An individually owned savings account* used to pay
for current and future health care
 It’s a way to plan, save and pay for health care services
income tax free
Instead of paying
all costs towards
one traditional plan
High
deductible
plan
reduces
premium
costs
Deposit
the cost
savings
into your
HSA
account
*Savings and investments managed by OptumHealth Bank
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Benefit Plan Basics
Health Savings Account
 You can open a Health Savings Account (HSA) only if you
participate in the High Deductible Option
 Triple tax advantage
 H.B. Fuller contribution
 $500 for Employee or $1,000 for Employee plus one or more
 You can contribute pre-tax money to your account
 Up to $3,250 for employee or $6,450 for employee + one or more
 Use for medical expenses (deductibles, coinsurance, etc.), dental
and vision expenses – or save to use later in your retirement
 Income tax liability plus 20% penalty if used for anything other than
eligible medical expenses
 HSA funds grow at money market interest rates
No “use it or lose it” rule for HSAs
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21
You are Eligible if You:
 Are covered by a federally qualified
high-deductible health plan
 Are not covered by other health
insurance
• Includes a spouse’s medical coverage
or medical FSA (if it covers you)
• Does not apply to injury insurance,
accident, disability, dental care,
vision care and long-term care
 Have not elected Medicare
 Can’t be claimed as a dependent on
someone else’s tax return
Note: Eligibility is based on your status as an employee (not your spouse or dependents).
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How You Benefit:
Proprietary and confidential. Not to be copied or redistributed without written consent from Medica®.
Deposit Your Health Care Dollars
 Both you and your employer can
contribute
 Make contributions through payroll
deduction or by mailing a deposit to
OptumHealth Bank
 In 2013, contributions limited to $3,250
for single coverage and $6,450 for
family coverage
 Special catch-up provision for those
over age 55 ($1,000)
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Grow Your Savings
 The money is yours
 The account earns interest
 Change employers? Take it with you
 Use it or save it; balances roll over
 If you die, remaining funds go to
your beneficiary
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Investment Options
 Once you have $2,000 in your account, you have the opportunity to
invest and earn interest
 Investments are made in $100 blocks
 Variety of fund families – samples below
Mutual Fund
Type
Morningstar Rating
John Hancock Classic Value
Large Cap Value
American Funds Balanced
Large Cap Balance
Neuberger Berman Fasciano
Small Cap

Vanguard Global Equity
International

Vanguard S&P 500 Index
Index
Federated U.S. Government 2 to 5 Year Maturity
Fixed Income

PIMCO Real Return Fund
Fixed Income

Federated Master Trust
Money Market
N/A



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Save on Taxes
 Money put into your HSA is income
tax-deductible
 Money taken out to pay for qualified
healthcare expenses is tax-free
(www.irs.gov)
 Any interest earned is not taxable
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Pay for Health Care, Now or Later
 Use your HSA to pay deductibles, copayments,
coinsurances, and other qualified expenses
 After you reach the out-of-pocket maximum, the
plan pays 100% of covered expenses
 After age 65, use the funds for any purpose
without penalty (taxes may apply)
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Methods of Payment
 MasterCard® prepaid debit card
(used like credit card)
 Withdraw cash at ATM to
reimburse yourself for out-ofpocket (transaction fees apply)
 Free online bill payment (pay
doctor, pay yourself)
 Checks (available for purchase
online in quantities of 25; cost
is $10)
Proprietary and confidential. Not to be copied or redistributed without written consent from Medica®.
OptumHealth HSA Debit Card
 Convenient access to your HSA funds for medical and
pharmacy claims
 Account information is available on mymedica.com
 Can be used only up to the value of funds currently in
your HSA
 Your Debit Card and Pin number are mailed separately in
plan white envelopes
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HSA Claims Process
1
Visit your
Dr.
2
Dr. sends
bill to
Medica
3
4
5
6
Medica
processes
claim:
Explanation
of Benefits
(EOB) sent
to you & Dr.
You
receive
the bill
from your
Dr.
You pay
your Dr.
Applies
discount
Proprietary and confidential. Not to be copied or redistributed without written consent from Medica®.
2013 Cost Comparison Example
Carol (Employee Only)
Annual premium
Office Visits (3@$140)
Value 750
Comments
HSA
924.00
732.00
120.00
$40 copay 750
420.00 100% HDHP
Annual Exam (1 @ $200)
$0
$0 Preventive covered
Lab Tests (1@$150)
$0
$0 Preventive covered
Prescription Drugs-Generic (5 @ $25)
Total paid out of pocket
Total applied toward deductible
Annual out of pocket cost
HBF HSA Contribution
Annual out of pocket (if using HSA)
50.00
$10 for 750
125.00 100% for HDHP
170.00
545.00
0.00
545.00
1,094.00
1,277.00 Paid + Premium
NA
-500.00
1,094.00
777.00
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32
MOVING YOUR HSA FUNDS TO OPTUM
HEALTH BANK
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MEMBER ID CARD
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Member ID Card - Medica Choice Passport
®
 Your name and covered dependents
 Your copayment amounts
 Important phone numbers
 Secure ID number
 Show your Medica ID card at Doctor
& Pharmacy after January 1, 2013
Your individual identification number
Your employer’s identification number
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PRESCRIPTION DETAILS
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Reviewing Your Pharmacy Benefits
Find out if your medications are covered:
Tier 1
Tier 2
Tier 3
$$$$$
$$$$$
$$$$$
 Least expensive
 Brand-name
equivalent
 Generally more
expensive
 Generally most
expensive
 Not all brand-name
drugs have generic
equivalents
 Other equivalent
and less expensive
drugs are available
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Mail Order Prescriptions
Save time & money!
 Rx delivered to your home
 Up to three-month supply (ask your
doctor if a 93-day prescription is
appropriate)
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Choice90Rx Retail Pharmacy Program
Convenient, saves time
 Up to 3-month supply
•
You pay 3 copays for a
3-month supply
Ask your doctor if a
93-day Rx is appropriate
 You choose how to order
•
•
From participating retail
pharmacies
•
Online ordering is available from
many pharmacies
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Specialty Pharmacy Program
Specialty medications:
 Defined as self-injectable, oral, hightech or high cost
 For treatment of diseases requiring
complex therapies
 May require special handling
 Most often prescribed by specialists
Specialty drug vendors:
 Walgreens Specialty Pharmacy
 Fairview Specialty Pharmacy
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HEALTH AND WELLNESS
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Health & Wellness
Health & Wellness Coaching
It’s like a coach without the whistle
One-to-one or group support for chronic conditions, physical
challenges and mental issues, such as:





High blood pressure
Diabetes
Cholesterol
Low back pain
Obesity
 Diet & exercise
 Depression
 Stress
 Anxiety
Topics limited only by the goals you establish!
Call 866.905.7430 to get started
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Health & Wellness
Tobacco Cessation Program
Enroll in the program to receive:
 Up to five sessions with a quit-coach
 A personalized quit plan and self-help materials
 Information about medications that can help you quit
 Free 8-week supply of nicotine replacement therapy (gum, patches,
lozenges), if medically appropriate
 Online tools and support 24/7
Call 1.800.934.4824 when you are ready to quit
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Health & Wellness
Healthy Pregnancy Program
Get off to a good start
Medica’s Healthy Pregnancy program can help you:
 Take care of yourself during pregnancy
 Adjust during your baby’s first six weeks of life
Learn more about the text4baby program
 text4baby.org
Call 1.888.992.3875 to sign up
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24-Hour Nurse Line
Health & Wellness
Your nurse is one call away
 Immediate support for your health concerns
 Help in making decisions about your health
 Available 24-7
Call 1.800.962.9497 to access a registered nurse
Chat live with a nurse online at mymedica.com
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Employee Assistance Program (EAP)
Help with life’s hurdles
Start with one easy call to the Medica EAP (available 24/7)
Whatever your concern:
 Find a new day care for your child
 Manage credit card debt
 Research addiction support options
 Look for a family counselor
 Deal with grief
Call 1.800.626.7944
Tailored support when you need it – free and easy
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Customer Service
Medica is There to Help
Medica’s Open Enrollment Website for H.B. Fuller
http://enroll.medica.com/hbfuller
Medica Customer Service
 Monday - Friday, 8 a.m. - 6 p.m. Central Time
 (Closed Wednesdays, 8 a.m. - 9 a.m.)
 E-mail Medica by visiting medica.com/contactmedica
 Call Medica at:
• 952-945-8000 or 1-800-952-3455
• TTY for hearing impaired: 952-992-3190 or
1-800-841-6753
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Personalize. Empower. Improve.
Helpful Resources found on
http://enroll.medica.com/hbfuller
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DO THE MATH
Resources to help you compare
plan offerings
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Coverage Advisor
 Helps you consider the financial impact of your plan
 Takes about 10 minutes to complete
 Provides cost estimates based on info you submit
 Offers a plan-comparison tool
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IS YOUR DOCTOR IN
THE NETWORK?
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Find a Network Physician or Facility
 Search by provider name, specialty, address, etc.
 Find out if doctor is board certified and
accepting patients
 Get driving directions
Proprietary and confidential. Not to be copied or redistributed without written consent from Medica®.
Medica Premium Designation Program
 Look for doctors with stars after their names when
searching for a doctor using Medica’s search tool
 Quality care
 Quality + cost-efficient care
 Premium Designation physicians:
• Have lower surgery repeat rates
• Follow nationally recognized guidelines for care
• More likely to be aware of the latest research
and clinical trials
Proprietary and confidential. Not to be copied or redistributed without written consent from Medica®.
What is Continuity of Care?
A request to continue ongoing medical care with a provider that is not
part of your network (at the highest benefit level) because the member
is engaged in a current course of treatment.
Medica requests medical records and supporting documentation
Each request is reviewed on a case-by-case basis
Coverage may be granted at the highest benefit level up to 120 days
Forms are available at today’s meeting or call
Medica Customer Service at 1-800-952-3455
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MANAGE YOUR
BENEFITS ONLINE
mymedica.com
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mymedica.com
You’re in control
 Find out what’s covered by
your plan
 Track your claims
 Check to see if your doctor is
in your network
 See which drugs are covered
 Order ID cards
 View account balances
Proprietary and confidential. Not to be copied or redistributed without written consent from Medica®.
mymedica.com
Proprietary and confidential. Not to be copied or redistributed without written consent from Medica®.
mymedica.com
Pharmacy Resources: Price a Medication
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Proprietary and confidential. Not to be copied or redistributed without written consent from Medica®.
Benefit Plan Basics
Teladoc is:
 A phone and/or video resource to help resolve routine but urgent
medical issues (ear infections, pink eye, etc.)
 A national network of board certified doctors available 24/7
 Available to all participants in the H.B. Fuller medical plan
 A cost effective and efficient alternative to the ER or Urgent Care
 No cost to you as long as you complete your health profile in advance
Teladoc is not:
 A replacement for your primary care physician
Look for more information in the Fall 2012 newsletter
60
Benefit Plan Basics
 Dental Plan Coverage
Service
Deductible
Coinsurance
Plan Maximum
Preventive
$0
$0
None*
Maintenance,
Restorative,
Oral Surgery
$25 Employee
$50 Employee
You pay 20% AD
$1,000 annual
per covered
person
Orthodontia
Included
You pay 20% AD
$1,500 lifetime
per covered
person
*Preventive care does not count toward your $1,000 annual maximum
61
Dental Plan Networks
Delta Dental Networks
Delta Dental PPO Delta Dental Premier
80,000
139,000
Significant
discounts
Negotiated discounts
Nonparticipating
21,000
No discounts
Other Dental PPO Carriers
PPO Networks
50,000-80,000
Non-Participating
80,000+
Discounts
No discounts
62
Benefit Plan Basics
Flexible Spending Accounts
 Health Care Flexible Spending Account
 Pay for eligible medical, dental and vision expenses, plus some OTC
 IRS Maximum for 2013 is $2,500
 Limited Health Care FSA for High Deductible Plan participants
 Pay for eligible dental and vision expenses, plus some OTC
 IRS Maximum for 2013 is $2,500
 Dependent Care Flexible Spending Account
 Pay for dependent care expenses that enable you to work outside the
home – NOT for dependent medical expenses
 IRS Maximum for 2013 is $5,000 (same as 2012)
“Use it or lose it”
IRS requires you to forfeit any
unused FSA money each year
63
Benefit Plan Basics
Other Benefit Options
 Supplemental Life Insurance
 Employee - up to 4 times eligible earnings
 Spouse – up to 50% of employee amount or $500K, whichever is less
 Child - $5,000 or $10,000
 Supplemental AD&D Insurance
 Employee - up to $500,000
 Spouse - up to $250,000
 Child – 10% of employee coverage with maximum $25,000
 Vision Service Plan (VSP)
 ARAG Legal Plan
 Long-Term Disability
 You pay premium; however, the Company will reimburse you for the
premium amount
64
Annual Enrollment Process
Annual Enrollment begins
October 23 and ends
November 6, 2012
Go online at www.BenefitsConnection.MercerHRS.com
(24/7 access)
OR
Call Benefits Connection at 800-798-5446
(hours are 8:00 to 6:00 Monday-Friday CT)
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Annual Enrollment Process
 Who is Benefits Connection?
 Our resource for benefits eligibility and enrollment
 First source of information for benefit plan questions, except:
Medica handles medical claims, precertification,
 Delta Dental handles dental claims questions

 Online access to your benefits information – current coverage,
covered dependents, life insurance/AD&D beneficiaries
 Links to various other benefits resources and information
Enrollment Guides, newsletters, OE presentations
 Summary Plan Descriptions and required disclosures

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Annual Enrollment Process
Verify Your Enrollment Choices
 Make sure that your enrollment is correct. To do so:
 Print a copy of your enrollment elections at the end of your online session
 Review your confirmation statement carefully
 Call Benefits Connection immediately, if you need to make corrections.
No benefit changes until next
Open Enrollment period,
unless you have a qualifying
Life Event Change (such as
getting married, having a
child, etc.)
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Retirement Benefits
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Retirement Benefits (Former Forbo)
 H.B Fuller’s retirement program includes two components:
 401(k) feature



100% company match on the first 4% you contribute each year
Immediate vesting in company match
Variety of investment funds to meet your retirement planning strategy
 Defined Contribution Retirement feature



H.B. Fuller contribution of a flat 3% of pay for all eligible employees
Vesting in company contribution after 3 years
Same investment fund options as 401(k) feature
 Both components administered by JP Morgan
 During the transition, you will have an opportunity to choose new
investment funds through JP Morgan.
 More information to come
 Assets from the former Forbo plans will automatically roll over to the
J.P. Morgan accounts.
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Thank You!
Questions?
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