Transcript Document

2011 Benefits
Burlington Bargaining Unit Employees
Disclaimer
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This document is intended to be a high-level overview. The terms and
conditions of the benefits described are determined solely by the summary
plan descriptions (SPDs) or plan documents and summaries of material
modifications of the Dresser-Rand Company Welfare Plan, Pension Plan for
Employees of Dresser-Rand Company, Dresser-Rand Company Retirement
401(k) Plan. In the event of any inconsistent provisions, the language of the
plan documents applies.
•
As in the past, the Company reserves to itself, pursuant to its sole and
exclusive discretion, the right to change, amend or terminate this Plan
according to the terms of the applicable plan documents and subject to any
collective bargaining agreements.
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Benefits described herein may not automatically apply to employees at all
locations or employees covered under a labor agreement.
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Plan is subject to nondiscrimination rules that may reduce or limit the tax
advantages of the plan for certain employees.
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2011 Benefits Enrollment
Dresser-Rand Benefits Enrollment
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Enrollment will be on-line
Benefits website: www.dresser-rand.com/benefits
Can review benefits information on website
Can access online enrollment system by selecting:
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Overview
Dresser-Rand Benefit Programs
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Health
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Income Protection
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Medical/Prescription
Wellness
Dental
Vision
Health Savings Account (HSA)
Flexible Spending Accounts (FSAs)
Employee Assistance Program (EAP)
Basic Life and AD&D
Optional Life
Voluntary AD&D
Business Travel Benefits
Voluntary Group Legal
Disability
Pension Plan
401K
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Eligibility
Health & Income Protection
• Full-time employees working over 35
hours per week AND Part-time employees
working over 20 hours per week are
eligible for all benefits
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Eligible Dependents
Who can you cover?
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Your legal spouse
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Your unmarried children (biological, adopted or step-children) until the end of the month
they attain age 26
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Other unmarried children who live with you in a parent-child relationship and for whom
you have legal guardianship. (Same age guidelines apply as above)
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Your unmarried children age 26 or older who are certified by BlueCross to be disabled
due to mental or physical disability and who are dependent on you for financial support
(the disability must be certified prior to age 26)
NOTE: If both you and your spouse work for Dresser-Rand, the plan does not allow
“double coverage”. Only one of you may choose coverage for your eligible children. And
if you choose an enrollment category that covers your spouse, your spouse will not be
eligible to also choose duplicative coverage under any Company-sponsored Plan or
program.
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Medical Benefit Choices
Medical Options
• MedicalPlus - A Consumer Directed Health Plan
with a Preferred Provider network
• PPO – Preferred Provider Option
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MedicalPlus
MedicalPlus utilizes a PPO network of providers
• Choice of physicians and hospitals
• BlueCross BlueShield offers the largest PPO network in the
United States
• Higher level of benefits using BCBS network providers
• No claim forms to file when using network providers
• Lower claim costs through negotiated network
• Prescription Coverage through Caremark
• Health Savings Account contribution
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MedicalPlus
In-Network Benefits
• $2,500 Individual or $5,000 Family Deductible
(combined medical and prescription claims)
– 10% Coinsurance (Plan pays 90%)
– After the purchase of two 30-day refills for any maintenance medication
at retail pharmacies, all future refills for those prescriptions must be
filled through the Caremark mail order service
• Annual Out-of-Pocket Maximum
(including deductible)
– $3,000 individual or $6,000 family
• Wellness Benefits and Well Baby Benefits based on Preventive
Services Task Force Guidelines (100% coverage, deductible
does not apply, no maximum)
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MedicalPlus
Out-of-Network Benefits
• $3,000 Individual or $6,000 Family Deductible
(combined medical and prescription claims)
– 30% Coinsurance Medical (Plan pays 70%)
– 35% Coinsurance Rx (Plan pays 65%)
• Annual Out-of-Pocket Maximum
(including deductible)
– $5,000 individual or $10,000 family
• No Wellness Benefits
• “Reasonable & Customary” applies
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MedicalPlus – Prescriptions
Caremark
In-Network
• $2,500 Individual or $5,000 Family Deductible
(combined medical and prescription claims)
– 10% Coinsurance (Plan pays 90%)
– After the purchase of two 30-day refills for any maintenance
medication at retail pharmacies, all future refills for those
prescriptions must be filled through the Caremark mail order
service
• Annual Out-of-Pocket Maximum
(including deductible)
– $3,000 individual or $6,000 family
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MedicalPlus – Prescriptions
Caremark
Out-of-Network Benefits
• You pay the full, undiscounted cost at the
pharmacy and must submit a paper claim form
• You are eligible for up to 65% reimbursement
• No prescription drug out-of-pocket maximum
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MedicalPlus
Health Savings Account
Health Savings Account (HSA)
• Tax-free spending account for qualified medical/ prescription
drug, dental, vision, health club membership (with a doctor’s
certification), and exercise equipment (with a doctor’s
certification)
• Access funds using a debit card or checkbook
• Gives you more control of money spent on health care
• Dresser-Rand will contribute to every participant’s HSA (FSA if
Medicare eligible)
• Employees can make additional tax-advantaged HSA
contributions through payroll deduction(Up to IRS Limits)
• Over-the-counter medication is not reimbursable unless there is
a doctor’s prescription for it
• Contributions are not “use-it or lose-it”!
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MedicalPlus
Health Savings Account
2011 Dresser-Rand Annual Contribution*
Employee Only
$1,000
Employee + 1
$1,500
Family
$2,000
*Company contributions deposited up front; prorated based on portion of
calendar year remaining.
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MedicalPlus
Health Savings Account
2011 Optional Employee Contributions
Employee Only
Up to an additional $2,050
($3,050 if 55 Years Old by 12-31-2011)
Employee + 1
Up to an additional $4,650
($5,650 if 55 Years Old by 12-31-2011)
Family
Up to an additional $4,150
($5,150 if 55 Years Old by 12-31-2011)
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MedicalPlus
Health Savings Account
Further HSA information:
• Account must be activated – watch your mail for
information from ACS/Mellon
• Interest Rate of 0.1% (as of 7-1-2009)
• Monthly fee of $2.25 for accounts with balances under $3,000
(fee taken from account)
• Electronic statements are encouraged - $0.75 monthly fee for
paper statements
• Once you have accumulated a balance of $1,500 or more,
you can transfer excess balance into one of the Dreyfus
mutual fund investment options
• You can visit www.HSAmember.com for more information
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PPO
BlueCross BlueShield of Illinois
PPO utilizes same network as MedicalPlus
• Choice of physicians and hospitals
• BlueCross BlueShield offers the largest PPO network in the
United States
• Higher level of benefits using BCBS network providers
• No claim forms to file when using network providers
• Lower claim costs through negotiated network
• Prescription Coverage through Caremark
• No HSA Contribution
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PPO
BlueCross BlueShield of Illinois
In-Network Benefits
• $300 Individual or $700 Family Deductible
• 20% Coinsurance (Plan pays 80%)
• Annual Out-of-Pocket Maximum (including
deductible)
– $2,000 individual or $4,000 family
• Wellness Benefits and Well Baby Benefits based
on Preventive Services Task Force Guidelines
(100% coverage, deductible does not apply, no
maximum)
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PPO
BlueCross BlueShield of Illinois
Out-of-Network Benefits
• $600 Individual or $1,400 Family Deductible
• 40% Coinsurance (Plan pays 60%)
• Annual Out-of-Pocket Maximum
– $4,000 individual or $8,000 family
(excluding out of network drugs)
• No Wellness Benefits
• “Reasonable & Customary” applies
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PPO – Prescriptions
Caremark
In-Network Benefits
• No Deductible
• Retail Benefit (up to a 30-day supply)
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$10 co-payment for Generic Prescriptions
35% Coinsurance for Brand Prescriptions (Plan pays 65%)
Per prescription maximum cost of $150
After the purchase of two 30-day refills for any maintenance
medication at retail pharmacies, all future refills for those
prescriptions must be filled through the Caremark mail order
service
• Mail Order Benefit (up to a 90-day supply)
– $20 co-payment for Generic Prescriptions
– 25% Coinsurance for Brand Prescriptions (Plan pays 75%)
– Per prescription maximum cost of $300
• Annual Out-of-Pocket Limit $1,250 individual or $2,500
family
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PPO – Prescriptions
Caremark
Out-of-Network Benefits
• You pay the full, undiscounted cost at the
pharmacy and must submit a paper claim form
• You are eligible for up to 65% reimbursement
• No prescription drug out-of-pocket maximum
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Medical
Employee Contributions
2011 Monthly Employee Contributions
MedicalPlus
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Employee Only
Employee + 1
Family
$ 19.40
$ 33.00
$ 46.40
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Employee Only
Employee + 1
Family
$ 44.20
$ 82.40
$ 120.60
PPO
NEW EMPLOYEES: Complete the online Health Risk Assessment and your 2011
medical coverage contribution will be reduced by $6 per month beginning the first
of the month after your questionnaire is processed.
PART-TIME EMPLOYEES: If you are a part-time employee scheduled to work at
least 20 hours but less than 35 hours per week you are eligible for medical
coverage at 150% of the monthly contribution rates stated here for full-time
employees.
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Preventive Care
Both medical options pay certain pediatric & adult
preventive care benefits
• Preventive care services based on Preventive Services Task
Force guidelines
• Wellness screenings, routine exams, immunizations, etc. are
Covered 100%, no annual limit, not subject to deductible
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Wellness Program
Blue Care Connection
Condition Management
Nurse health coach is assigned to help you:
– Follow your doctor’s plan of care;
– Understand how your medications work;
– Determine necessary screenings and tests;
and
– Answer questions about the illness or
condition.
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Wellness Program
Blue Care Connection
The Condition Management program is available if you have
been diagnosed with one or more of the following:
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Asthma;
Congestive heart failure;
Coronary artery disease;
Chronic obstructive pulmonary disease (COPD);
Diabetes;
Hypertension;
Hyperlipidemia; or
Low back pain.
Completely voluntary and confidential
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Wellness Program
Blue Care Connection
Personal Health Manager
Personalized Coaching Program in any or all of the following areas:
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Eating habits;
Physical activity;
Stress management;
Tobacco cessation; or
Weight management.
When you enroll you will be paired with a health professional
who will develop a personalized coaching program with you
through confidential, over-the-phone sessions
Completely voluntary and confidential
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Wellness Program
Blue Care Connection
Health Risk Assessment
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Online questionnaire that evaluates your health and gives you a
detailed, confidential report with action steps to help you improve your
health.
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Receive a $6 discount on monthly medical contributions if you complete
the Health Check and submit a Physician Form to Nationwide Better
Health. Your discounted rate will begin the first of the month after your
questionnaire is processed.
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You will need to enter your personal biometric data
– Blood pressure
– Cholesterol and blood glucose levels
– Body mass index
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Completely voluntary and confidential
Wellness Program
Blue Care Connection
Nurse Advice Line
Provides immediate telephone access to registered nurses for
health care information, advice and medical guidance for you and
your family.
Available 24/7
• Answer your questions about symptoms and health-related topics
• Help you decide how and where to get the care you need
• Help you determine what questions to ask your doctor before an
appointment.
Not a substitute for your regular physician, health care specialist or routine preventive exams. In
the event of a medical emergency, seek immediate medical attention from the nearest
emergency facility or call 911.
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Completely voluntary and confidential
Wellness Program
BCBS Illinois
Healthy Expectations
Offers support for expectant mothers
Helps you understand the active role you can take to give your baby
the greatest chance of being born strong and healthy by
providing:
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Educational material specific to your needs
Access to a 24/7, toll-free BabyLine staffed by maternity nurses
E-mail newsletters
An online health information library
The first step is to call the number on the back of your BCBS ID card
Completely voluntary and confidential
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Dental
BlueCross BlueShield Illinois
Deductible
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Preventive Services
Basic, Major & Orthodontic
None
$25 individual/$75 family
Coinsurance
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Preventive Services
Basic Services
Major Services
Orthodontic Services
100%
80%
50%
50%
Maximum Coverage
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Dentistry
Orthodontics*
$1,200 per person annual
$1,200 lifetime maximum
Preventive Services DO NOT count toward annual maximum
* Note: Orthodontic coverage provided for eligible dependent children up to age 19
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Dental
BlueCross BlueShield Illinois
Preventive Services
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Oral examinations
Routine scaling and polishing
Routine bitewing x-rays
Fluoride treatments (children through age 18)
Sealants (children through age 15)
Basic Services
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Fillings and Extractions
Stainless steel crowns
Relining of dentures
Repair of crowns, bridges, and removable dentures
Major and Restorative Services
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Inlays, onlays, and crowns (other than temporary crowns or stainless steel)
Full mouth rehabilitation
Preventive Services DO NOT count toward annual maximum
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Dental
Employee Contributions
2011 Monthly Employee Contributions
• Employee Only
• Employee + 1
• Family
$25.00
$51.00
$76.00
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Vision
VSP
Voluntary Vision Program
• Benefits provided by Vision Service Plan (VSP) –
Largest vision care provider in the US with over 50 years
experience
• Plan provides vision benefits each year
– 2 pairs of frames and lenses; or
– 1 pair of frames and lenses plus contact lenses
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Vision
VSP
Voluntary Vision Program
In-Network Benefits
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$10 co-payment for vision exams
$150 allowance for eyeglass frames
$10 co-payment for eyeglass lenses
Progressive & photochromic lenses & tints covered in full
$150 allowance for daily wear contact lenses
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Vision
VSP
Voluntary Vision Program
Out-of-Network Benefits
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Up to $45 for vision exams
Up to $47 for eyeglass frames
Up to $45 for single vision eyeglass lenses
Up to $65 for bifocal eyeglass lenses
Up to $85 for trifocal eyeglass lenses
Up to $125 for lenticular eyeglass lenses
Up to $105 for daily wear contact lenses
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Vision
Employee Contributions
2011 Monthly Employee Contributions
• Employee Only
• Employee + 1
• Family
$13.55
$27.13
$43.66
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Maintenance of Benefits
• If you or your dependents are covered under more than one
medical or dental plan
– Plans work together to coordinate benefits
• BCBS will maintain the level of benefit based on the plan you
choose
– The allowable expense is limited to the amount the BCBS plan
would have paid if there were no other medical or dental benefit
coverage in effect
• This is called Maintenance of Benefits
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Flexible Spending Accounts
(FSA)
• Full Use Healthcare Flexible Spending Account
(for PPO Enrollees)
• Limited Use Healthcare Flexible Spending
Account
(for MedicalPlus Enrollees)
• Dependent Care Flexible Spending Account –
daycare expenses only
Important Reminder: These are “USE IT or LOSE IT” plans
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Full Use Healthcare FSA
(PPO Participants)
• Use tax-free contributions to pay for medically necessary, noncovered medical, prescription drug, dental and vision care
expenses:
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All healthcare deductibles and coinsurance amounts
Eyeglasses, contact lenses
Health club membership (with a doctor’s note)
Exercise equipment (with a doctor’s note)
• You may contribute from $100 to $5,000 per year
• Debit card to access account
• Paper claims will be required for claims not submitted using
debit card or the online claims submission process
• Cannot be used with an HSA
Important Reminders: This is a “USE IT or LOSE IT” plan
Over-the-counter medicine must have a doctor’s prescription
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in order to qualify for reimbursement.
Limited Use Healthcare FSA
For HSA Participants
• Limited Use FSA coordinated with HSA
• Use tax-free contributions to pay for non-covered
health (dental and vision) expenses:
– Dental and vision deductibles, coinsurance amounts
and other expenses
– NO medical/prescription drug expenses covered by the
Plan are allowed (must use your HSA)
• You may contribute from $100 to $5,000 per year
• Debit card to access account
• Paper claims will be required for claims not submitted
using debit card or the online claims submission process
Important Reminder: This is a “USE IT or LOSE IT” plan
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Dependent Care FSA
• Use tax-free contributions to pay for day care
expenses for:
– Children (up to age 13)
– Elderly parents
• Not for your dependent’s non-covered
healthcare!
• If married, both you and your spouse must work
outside the home
• You may contribute from $100 to $5,000 per year*
• You can elect direct deposit for your reimbursements
* Employees classified as Highly Compensated will be limited to $4,000
per year.
Important Reminder: This is 41a “USE IT or LOSE IT” plan
Employee Assistance Program
• Company-provided benefit
• Free confidential counseling for employees &
dependents
Depression and anxiety*
Relationships*
Addictions and abuse*
Legal consultation
Stress*
Work/life balance*
Financial services
Grief and loss*
* Up to 8 company-paid sessions, per issue, per
year, per family member
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Life Benefits
• Dresser-Rand provides employees with:
– $50,000 of Basic Life Insurance
– $50,000 of Basic AD&D
• Employees can purchase additional:
– Optional Life Insurance for self & dependents
– Voluntary AD&D Insurance for self &
dependents
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Optional Life Insurance
Employee
• Employee Optional Life
– $25,000 increments, up to $500,000
– Evidence of Insurability (EOI) required for
amounts elected over $250,000
– EOI required for increases after initial election
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Optional Life Insurance
Dependents
• Spouse Life
– $25,000 increments, up to $250,000 or 50% of
employee amount, (combined basic and optional)
whichever is less
– Employee must elect Optional Life in order to elect
Spouse Life
– Evidence of Insurability (EOI) required for amounts
elected over $25,000
• Child(ren) Life
– If elected, each child will have $10,000 of Life
Insurance
– Employee must elect Optional Life in order to elect
Child Life
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Optional Life Insurance
Rates
• Employee and Spouse Rates are Based on
– Age
– Tobacco or Non-Tobacco use status
• Tobacco products include cigarettes, pipes, cigars, snuff
and chewing tobacco
– Rate sheet will be included in enrollment packets
and are available on the Dresser-Rand benefits
website: (www.dresser-rand.com/benefits)
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Employee & Spouse Optional Life
Monthly rate per $1,000 of coverage
Age
Non-Tobacco User
Tobacco User
<25
$0.051
$0.087
25-29
$0.069
$0.110
30-34
$0.086
$0.143
35-39
$0.094
$0.154
40-44
$0.111
$0.176
45-49
$0.162
$0.264
50-54
$0.249
$0.408
55-59
$0.471
$0.760
60-64
$0.720
$1.157
65-69
$1.389
$2.226
70-74
$2.255
$3.610
75+
$3.661
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$5.873
Voluntary AD&D Insurance
Employee or Family
Can elect Employee or Family coverage
• Employee
– $25,000 increments, up to $500,000
• Family (Benefit based on Family members)
– Spouse only
• 60% of employee coverage
– Child(ren) only
• Each child, 15% of employee coverage
– Spouse and Child(ren)
• Spouse, 50% of employee coverage
• Each child, 10% of employee coverage
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Voluntary AD&D Insurance
Employee or Family
2011 Monthly Employee Contribution Rates
– Employee only
– Family
$0.025 per $1,000
$0.040 per $1,000
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Business Travel
Accident Insurance
• Dresser-Rand provides you with:
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4 x current base salary
Minimum benefit is $100,000
Maximum benefit is $1,000,000
Covers you for death/dismemberment while
traveling on Company business
Note: If a common accident results in the death or
dismemberment of more than one covered person, the
maximum benefit paid to all covered people is $5,000,000
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International Travel Benefits
• Cigna Medical Benefits Abroad (MBA)
– Provides access to medical care when
traveling outside the U. S. on business
• International Assistance
– Provides assistance with medical, personal,
travel, security issues and legal problems on
international business trips or assignments
outside the U.S.
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Legal Benefits
• Voluntary
• Access to a network of over 10,000 attorneys
• Services include:
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Document Preparation
Family Law
Real Estate Matters
Wills and Estate Planning
Traffic Matters
• Employee cost = $15.75 per month
• Access @ www.legalplans.com
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Disability Benefits
• Short-Term Disability (pay continuation)
• Long-Term Disability
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Short-Term Disability
(Pay Continuation)
• Dresser-Rand provides you with
replacement income if you are determined
to be disabled for a non work-related injury
or illness.
– 12 weeks at 100% of base pay (40 hrs / wk)
– 14 weeks at 60% of base pay (40 hrs / wk)
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Long-Term Disability
• If you remain totally disabled after the STD
period expires (26 weeks), you may be
eligible for coverage in the LTD program
• Employees eligible to continue fringe
benefits for 36 months at current active
rate
• LTD Benefit includes:
– A monthly basic benefit equal to 40% of your
Dresser-Rand base earnings
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Long-Term Disability
Buy-up Options
• You can purchase Voluntary LTD coverage
for a total monthly benefit of:
– 50% (10% optional buy-up), or
– 60% (20% optional buy-up) of your base
earnings
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Long-Term Disability
Buy-up Options
Monthly Employee Contributions
• 50% (10% Buy-up) option
• 60% (20% Buy-up) option
$.135 per $100 of benefit
$.325 per $100 of benefit
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Enrollment
• Enroll at www.dresser-rand.com/benefits from any
computer with Internet access
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Vacation & Holidays
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Vacation based on the schedule below (is prorated first year of employment)
Months of Service as of July 1
Vacation Days
12 but less than 24
5 Days
24 but less than 36
7.5 Days
36 but less than 96
10 Days
96 but less than 120
12.5 Days
120 but less than 180
15 Days
180 but less than 216
17.5 Days
216 but less than 300
20 Days
300 but less than 360
25 Days
360 or more
30 Days
Employee will step up to an additional increment in vacation according to the above
schedule upon reaching his anniversary date in any vacation period. Step ups begin with
the employee's second anniversary date
Dresser-Rand provides 12 holidays each year (includes birthday and 1 floating holiday)
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Pension Plan
Type of Plan
• This Plan is a “Defined Benefit” plan under
the Employee Retirement Income Security
Act of 1974 (ERISA)
• The plan is based on a formula that provides
a benefit for years of service
• The cost of this Plan is paid entirely by the
Company
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Pension Plan
Normal Retirement
– Continued employment until age 65, you will
receive a Normal Retirement benefit
– The current dollar factor per year of service is
$36.50
Example of Normal Retirement
– Participant who is age 65 with 10 years of service
– Full unreduced benefit
– 10 years x $36.50 = $365.00 a month
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Pension Plan
Vested Retirement
– If you leave the Company after having earned 5 years
of Vesting Service, you are entitled to a benefit on the
last day of the month after the month you reach age
65
– You may begin receiving benefits as early as age 55 if
you have completed 5 years of service. Your benefit
will be reduced by early retirement factors
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Pension Plan
Sources of Information
• If you have any questions regarding your
plan benefits please contact the following
Retirement Team Members:
• Darlene Pfeiffer – Pension Analyst (716) 375-3704
• Michele Benjamin – Pension Analyst (716) 375-4317
• Email – [email protected]
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Retirement Savings Plan
Eligibility
• As a bargaining unit employee of Dresser-Rand, you are eligible to
participate in the Dresser-Rand Company Retirement 401(k) Plan,
as soon as administratively practicable following your hire or rehire
date
Benefits Available Under the Plan
• The Plan allows you to tax deferred a portion of your eligible
compensation
• A Catch-Up feature, for those age 50 or greater by year end, allows
you to save additional amounts
• Loans and In-Service Withdrawals are available on a limited basis
Plan Recordkeeper - Fidelity
• For general assistance or enrollment contact Fidelity Retirement
Service Center (1-800-835-5097) or visit www.401k.com
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Retirement Savings Plan
Your Savings
Elective Deferrals and
IRS Annual Limits
You may elect to defer between 1% and 75% of
eligible pay into the Plan.
However, you may not exceed the applicable annual
IRS limits below:
• The 2011 Elective Deferral limit is $16,500
• The 2011 Catch-Up Deferral limit is $5,500
(Catch-Up Deferrals are only available to Participants
age 50 or older)
Vesting Schedule for
Elective Deferrals
You are always 100% vested in your contributions and
their earnings.
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Retirement Savings Plan
Fidelity can assist you if you want to:
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Enroll in the Plan
Change Your Investment Election
Change Your Paycheck Deferral Election
Request a Loan
Request an In-Service Withdrawal, and Loan Address Changes
Roll Over Another Plan’s Balance into this Plan
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Retirement Savings Plan
Enrollment is easy…
• Within 10 days of your hire date with Dresser-Rand
you will receive a packet mailed to your home from
Fidelity with instructions to enroll in the Plan.
• After you receive the enrollment packet, you can
enroll via the internet or by telephone.
• If you have not received your enrollment packet 10
days after your start date, please contact Steve
Rehler at (716) 375-3559.
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Retirement Savings Plan
For more information:
Fidelity Retirement Service
Center
1-800-835-5097
Fidelity Web Access
www.401k.com
Retirement Benefits Department
Plan Administrator: Steve Rehler
Phone: 716-375-3559
E-mail: [email protected]
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Questions
If you have any questions, contact
your local Human Resources
Representative.
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