2008 Annual Enrollment Guide€¦ · Find helpful tips to guide you through the enrollment process. ... last minute to enroll ⎯ if you’re online and in the middle of a transaction

UTS 2008 Annual Enrollment Guide

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2008 Annual Enrollment Guide

It’s time to make your benefits elections for next year during Annual Enrollment 2008 for Unisys Technical Services L.L.C. and Unisys Technical Services Division of Unisys Corporation (collectively UTS), running from October 10 through October 31, 2007. You need to take an active role in managing your benefits. This means examining what you’ve done in the past, determining where you want to be in the future, evaluating the benefits available to help you reach your goals, and taking action to participate in the benefits programs available to help meet your needs and the needs of your family.

Get to it! 1 Are you ready? 2

Register your 2008 benefits elections 2 Default coverage 2

What’s new? 3

Discounts for non-tobacco users and Health Risk Assessment completion 3

Spousal surcharge 4 Health Savings Account employee

contribution limits increase 4 Prescription clinical management

programs expansion 4

Get to it!

Table of Contents

UnitedHealthcare Choice Plus Account Based 70 Medical Option 9 Learn about the medical option offered to you by UTS in 2008. Break it down! 11 Gain a greater understanding of the various components that make up your medical plan. Enroll! 12 Find helpful tips to guide you through the enrollment process.


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Annual Enrollment for 2008 will be held from October 10 through October 31, 2007. Make sure to carefully consider your options, register your choices, and confirm your elections by October 31, 2007.

You can enroll online or over the phone ⎯ see the contact and availability information on page 3. It’s important that you don’t wait until the last minute to enroll ⎯ if you’re online and in the middle of a transaction at midnight, Eastern time, on October 31 (or if you call the UBSC after 5:00 p.m., Eastern time), your elections won’t be processed!

After making your elections, be sure that you reach the “Completed Successfully” page. If you don’t reach that page, your elections aren’t registered, you’re not finished, and you’re not enrolled. This means your elections haven’t been saved and you’ll receive default coverages, as if you didn’t do anything at all.

Tip: Print your “Completed Successfully” page. In mid-November you’ll receive a Confirmation of Enrollment in the mail. Compare your “Completed Successfully” page to your Confirmation of Enrollment. You’ll need to report any differences between the two immediately.

What’s your plan for your life, family and future? Take a look at what has happened so far in 2007 and assess whether your needs are different now, or if you anticipate any big changes in 2008. Review the changes for 2008 that are described in this Guide, consider your healthcare needs and those of your family, and start taking action today! After all, it’s your life, your family and your future. Why wait? You’re required to register and confirm your benefits elections for 2008 ⎯ your 2007 choices won’t carry forward. This means that you must register and confirm elections for your medical, dental and vision coverages for 2008 as well as Flexible Spending Accounts (FSAs) and, if applicable, a Health Savings Account (HSA) during the Annual Enrollment period that runs from October 10 through October 31, 2007. Doing nothing could result in considerable financial repercussions for you and your family. If you don’t confirm your choices, then default choices will be made for you and they may not be the choices you prefer. It benefits you to take action! Read through this Guide carefully before making your benefits elections between October 10 and October 31, 2007. And if you don’t reach the “Completed Successfully” page at the end of the enrollment process, your choices won’t be registered ⎯ it’ll be as if you did nothing at all ⎯ and you’ll receive the default coverage as noted below and on page 3. If you’re enrolled in medical coverage through Unisys or UTS for 2007 and fail to take action for 2008 during Annual Enrollment this Fall, you’ll default into the UnitedHealthcare (UHC) Choice Plus Account Based 70 medical option for 2008 with the same covered family members and:

you will not be enrolled in dental or vision coverage;

you will not be able to participate in the two FSA options;

you will potentially pay up to $1,920 more in 2008 than you need to because of a spousal surcharge and missed discounts (see pages 3 and 4);

your 2007 Long-Term Disability (LTD) election will continue at the reduced 2008 rates; and

you will have $10,000 of Company-Provided Life Insurance in 2008.

After Annual Enrollment ends, you won’t be able to change your elections during 2008 unless you experience a Qualifying Life Event (such as getting married or divorced, or having a baby) that allows for certain changes. You’ll have to call the Unisys Benefits Service Center (UBSC) at 1-877-864-7972 Monday through Friday (except holidays), 9:00 a.m. to 5:00 p.m., Eastern time, to update your status in order to prospectively initiate the non-tobacco user discount and waive the spousal surcharge, if applicable.

Do it!

And if you don’t…

Are you ready?


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If you have no medical coverage through Unisys or UTS in 2007 and fail to confirm your elections during Annual Enrollment, you’ll default to no medical, no dental and no vision coverages, and no FSA participation in 2008.

Non-tobacco user discount We’re increasing the discount from $30 to $40 per month ⎯ that’s $480 in 2008! To encourage your entire household to live a healthier lifestyle, the discount will only apply if everyone living in your household abstains from using tobacco products for 2008 and pledges not to use tobacco products in the future. We’ve decided to expand the requirements this year due to the proven detrimental effects of second-hand smoke. When you enroll, you’ll be asked if anyone in your household uses tobacco products.

Health Risk Assessment discount We’re doubling the discount to $20 per month ⎯ that’s $240 in 2008! But the real value of the Health Risk Assessment is taking action based on the recommendations personalized to your health status and using the tools and resources on the Web site. Be sure to visit the Web site often for everything from healthy recipes to exercise trackers! Use the Health Risk Assessment to learn about your health risks and what you can do to reduce those risks. You need to complete or update your online Health Risk Assessment on or after October 1, 2007, to receive a $20 per month discount on your contributions for medical coverage through the company in 2008.

Quit it! Unisys wants to help tobacco users quit! You can access the Miavita Smoke-Free Program after completing your Health Risk Assessment. This six-week, online coaching program can help you:

identify and conquer barriers to quitting;

manage cravings and side effects; and

understand how to become smoke-free.

UnitedHealthcare also offers a smoking cessation program if you enroll in medical coverage through the company. Quitting smoking isn’t just good for your health; it’s also good for your wallet! In one year, a typical smoker will spend $1,700 on cigarettes (at one pack a day), $480 in forfeited healthcare discounts through Unisys, and an average of $1,625 in healthcare expenses directly related to tobacco use. That’s $3,805 in 2008 alone!

Where do I go if I have questions? Your Benefits ResourcesTM (YBR) Web site. Visit the YBR Web site at

http://resources.hewitt.com/unisys to use the decision support tools, view additional information about your options, and register your elections by 11:59 p.m., Eastern time, on October 31.

Unisys Benefits Service Center (UBSC). For any questions you have about enrollment, you may speak with a UBSC representative by calling 1-877-864-7972, Monday through Friday, 9:00 a.m. to 5:00 p.m., Eastern time. If you plan on making your 2008 elections by telephone, you must call the UBSC before 5:00 p.m., Eastern time, on October 31.

Act now! Your Health Risk Assessment provides you with action steps you can take to help address any potential health risks you may have. But these tips don’t help if you don’t do anything with them. After you complete your Health Risk Assessment, take a look at the variety of programs in your action plan, including a cancer-fighting program, as well as healthy diet, aging, and heart programs, just to name a few. Make a commitment to put into effect at least one of the personalized wellness recommendations.

What’s new?


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You can access the Health Risk Assessment through the YBR Web site or directly at http://www.simplestepslife.com. If you’re taking the Health Risk Assessment for the first time, you’ll either need to use your Aetna Navigator user name and password or be prompted to enter your company e-mail address. If you don’t have a company e-mail address, use the employee access code P32KVPDUVZ1. Spousal surcharge We’re increasing the surcharge to $100 per month ⎯ $1,200 in 2008 ⎯ for covering a spouse or eligible same-gender domestic partner through the company who has access to subsidized medical coverage elsewhere. So, you need to carefully consider not just your medical option through the company, but also the medical options available elsewhere to your spouse or eligible same-gender domestic partner.

Health Savings Account employee contribution limits increase In late 2007, Congress changed the HSA employee contribution limits (related to your account-based medical option) by eliminating the link to your annual deductible. In addition, HSA contribution limits for 2008 have increased to $2,900 for employee only coverage and $5,800 for employee coverage plus one or more eligible dependents. In addition, if you’re age 55 or older, in 2008 you can make a “catch-up” contribution of up to $900 directly to your HSA account. Expanded clinical management programs for prescription drug coverage Beginning in 2008, the clinical management programs will be expanded so that all employees are using prescription drugs cost-effectively and appropriately. These programs foster the appropriate use of select drugs based on widely accepted clinical guidelines.

The expansions will be to the classes of drugs covered under one or more of the following clinical management programs beginning January 1, 2008:

Prior authorization

Step therapy

Dose management

Read this section for more information about the types of clinical management programs. Check the chart on pages 7−9 to see which prescription drugs are subject to the expanded clinical management programs. If you have questions, you may contact Medco Member Services at 1-800-903-4734 during the Annual Enrollment period. When prompted, dial “1” for support during Annual Enrollment. You may also find a list of medications on Medco’s Web site at http://www.medco.com. Note: the list is updated by Medco periodically as widely accepted clinical guidelines evolve within the medical and prescription drug community. If you are currently using a prescription that is added to the list, you will be contacted if prior authorization will be required.

Too late for 2007? When you enrolled for your 2007 coverage, you were asked to answer questions regarding the incentives and surcharge. If you missed these questions or received default coverage for 2007 and you would otherwise be eligible, you can still benefit from the discounts or remove the surcharge for the balance of this year. Simply contact the UBSC at 1-877-864-7972, Monday through Friday, 9:00 a.m. to 5:00 p.m., Eastern time, to update your status. But don’t wait! You could be missing out on significant savings in your healthcare contributions.


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Prior Authorization Prior authorization is a review process conducted by specially-trained Medco pharmacists. A review is triggered when a brand-name drug is requested and a generic equivalent is available. The review determines if the brand-name drug is medically necessary (for example, you have tried the generic therapy and it failed or you are allergic to the dye in the generic product). If the brand-name drug is approved, it will be dispensed at the brand-name coinsurance rate. If it is not approved as medically necessary, you can still request the brand-name drug; however, you will pay the full difference in the discounted cost between the brand-name drug and the generic drug in addition to the coinsurance rate.

Prior authorization also may be triggered if a prescription has the potential for misuse or mis-prescribing. Over time, clinicians identify drugs that are not used appropriately. If the prescription is not approved for part or all of the duration prescribed, it will not be covered.

If Medco has your 2007 prescription history due to your coverage through the company and you are currently taking a prescription drug that will require prior authorization in 2008 for the first time, you will receive a letter from Medco describing the prior authorization process by mid-December.

Important note: Prior authorization approvals expire one year from the date of the first time you fill the prescription or at the end of the initial prescription period, whichever is earlier.

Step therapy Step therapy review may be triggered if a drug is prescribed but widely accepted clinical guidelines indicate that alternate therapies or dosage levels should be tried first for your condition in attempts to achieve desired results. This process could occur if it cannot be determined through Medco claims history that the drug your doctor prescribed:

is the next step in a dosing sequence when recommended clinical guidelines indicate a gradual increase in dosage level is appropriate until the desired results are achieved (for example, you try 5mg for a period of time and advance for 10mg only if the lower dosage is not optimizing results); and/or

is the next step in a sequence of clinically accepted alternate therapies, possibly including over-the-counter (OTC) drugs, generics or less costly alternatives.

If the appropriate clinical sequencing guideline has not been followed, coverage for the prescription will be denied and you will need to go through the prior authorization process to obtain coverage for the prescription. Dose management Dose management may be triggered if a prescription is for a quantity or duration that exceeds widely accepted clinical guidelines or manufacturer’s limits. This would occur due to one of two reasons:

quantity limits: the quantity requested exceeds the clinically recommended supply, and/or

duration limits: the period of time the prescription is to be taken exceeds clinically recommended durations.

The clinically recommended amount/duration will be dispensed without prior authorization. Any amount in excess of the clinical guidelines requires prior authorization approval in order to be covered.

Medco Special Care Pharmacy If you currently take specific specialty medications, you may be missing out if you aren’t using Medco’s Special Care Pharmacy. Specialty medications ⎯ normally administered by injection and often requiring refrigeration and special handling ⎯ are used to treat complex conditions such as hepatitis C, multiple sclerosis, asthma, growth hormone deficiency and rheumatoid arthritis.

The dedicated healthcare professionals at the Special Care Pharmacy will provide you with a high level of supportive care, including the following services:

24/7 access to pharmacists for questions

Personalized, condition-specific education from registered nurses

Expedited, scheduled delivery via UPS or a similar service

Free supplies to administer your medication (for example, needles, syringes)

Refill reminder calls

Specialty medications are indicated in the chart on pages 8-10. Switch to the Special Care Pharmacy and get the service you deserve.


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Maximum quantity limits The Food and Drug Administration (FDA) has established quantity limits on more than 53 drugs in 14 therapeutic categories. Drug manufacturers also specify maximum quantity limits on certain prescription drugs. Medco adheres to these quantity limits when processing your prescription requests at a retail pharmacy or through Medco by Mail.

For example, if the maximum recommended dosage for a specific prescription drug is two pills per day for two weeks, Medco would reduce a prescription for 50 pills to 28 pills.

Dose-Optimization notification The Dose-Optimization program advises a doctor of the option to change your daily dosage regimen from multiple lower strength doses to a single higher strength dose. For example, if your doctor prescribes a medication with a dose of 5mg, two times per day, a daily dosage of 10mg, once per day may be equally effective. If your doctor agrees to the change, Medco will automatically make the change and send you a letter explaining the change.

This program is completely voluntary ⎯ Medco provides coverage whether or not your doctor changes your dosage regimen. You don’t need to do anything; Medco will contact your doctor directly if you are taking a prescription that could possibly be optimized by a change in the dosage regimen without adversely impacting your treatment as supported by widely accepted clinical guidelines.

What you must do Here’s what you’ll need to do to fill a prescription that requires prior authorization, step therapy or dose management: Through Medco by Mail

You mail the prescription to Medco. If a review is necessary to obtain coverage for the medication, Medco contacts your doctor requesting any

additional required information. After receiving the necessary information, Medco notifies you and the doctor (usually within 1-2 business days) confirming whether or not coverage has been approved.

If coverage is approved, you receive your medication and simply pay your normal coinsurance. If coverage is not approved, the prescription is returned to you. You have the right to appeal the decision. Information about the appeal process will be included in the letter you receive with the returned prescription.

At a retail pharmacy Medco’s network:

You take the prescription to your local network pharmacist, who submits the information to Medco. If a review is necessary, Medco automatically notifies the pharmacist, who in turn tells you that the prescription needs to be reviewed.

You, the pharmacist, or your doctor may start the review process by calling Medco toll-free at 1-800-753-2851, 8:00 a.m. to 9:00 p.m., Eastern time, Monday through Friday (except holidays).

Medco requests any additional information required for the review from your doctor. After receiving the necessary information, Medco notifies you and your doctor whether coverage has been approved (usually within 1-2 business days).

If coverage is approved, you simply pay your normal coinsurance. If coverage is not approved, you will be responsible for the full cost of the medication or, if appropriate, you can talk to your doctor about alternatives that may be covered. You have the right to appeal the decision. Information about the appeal process will be included in the letter you receive.


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Prescription drugs subject to clinical management programs New clinical management requirements for 2008 are in bold.

List is updated by Medco periodically as widely accepted clinical guidelines evolve within the medical and prescription drug community. If you are currently using a prescription that is added to the list, you will be contacted if prior authorization will be required.

*Obesity ⎯ Medications will be covered only if body weight is greater than 150 percent of expected body weight according to the MetLife Tables for sex, age, height, and body build, and a medical condition is directly exacerbated by the obesity (such as hypertension, cardiac disease, respiratory disease, or Type I diabetes mellitus). The overall treatment for the condition must be doctor-directed, may involve modified fasting, must include a psychological assessment, and must include exercise; however, no benefits are payable for the cost of exercise equipment or programs.

**Viagra and lifestyle drugs ⎯ These are covered only if required to treat an underlying medical condition resulting from injury or illness.

Prior Authorization

Dose Management Drug Class Used For Drug Names Specialty Drug

2007 2008

Step Therapy

Quantity Limits

Duration Limits

Any brand name drug that has a generic equivalent but it is medically necessary that you take the brand (that is, you tried generic therapy and it failed or you are allergic to the dye in the generic)

Various Various ⎯ that is, Prilosec and its generic equivalent omeprazole

No Yes Yes

Alzheimer’s Therapy

Alzheimer’s disease

Aricept, Cognex, Exelon, Reminyl/ Razadyne, Namenda

No Yes Yes

Antihistamines Allergies Zyrtec, Allegra, Clarinex

No Yes Yes Yes

Antidepressants Depression Lexapro No No Yes Yes (need to try generics first, only applies to new users)

Antiemetics Nausea associated with chemotherapy

Zofran, Kytril, Anzemet, Emend

No No Yes Yes

Antinarcoleptic Agents

Sleep apnea, narcolepsy

Provigil No No Yes

Anti-Obesity* Weight loss Meridia, Xenical No Yes Yes Asthma Therapy Allergic

asthma Xolair Yes No Yes

Cancer Therapy Cancer Gleevac, Temodar, Avastin, Tarceva

Yes No Yes

Cystic Fibrosis Cystic fibrosis Pulmozyme Yes No Yes Erectile Dysfunction**

Erectile dysfunction

Viagra, Cialis, Levitra, Caverject, Edex, Muse

No Yes Yes Yes

Erythroid Stimulants

Anemia (low red blood cell count)

Epogen, Aranesp Yes No Yes

Fertility Agents Non-fertility use

Lupron Yes Yes Yes


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Specialty Drug

Prior Authorization

Dose Management Drug Class Used For Drug Names

2007 2008

Step Therapy

Quantity Limits

Duration Limits

Gastroenterology Acid reflux, ulcers

Prevacid, Aciphex, Protonix, Zegerid, Prilosec 40mg

No No Yes Yes (need to try generics first)

Growth Hormones Growth Hormone Deficiency and related conditions

Genotropin, Humatrope, Norditropin, Nutropin, Saizen, Protropin, Geref, Serostim, Zorbitive

Yes Yes Yes

Hepatitis Hepatitis C Rebetol, Copegus Yes No Yes Yes Hypnotics/Sleep agents

Insomnia, sleep disorders

Ambien/CR, Lunesta, Rozerem, Sonata, Zolpidem


Yes

Immune Globulins Immune Deficiency Disorder

Gamimune, Gammagard, Gammar-IV, Sandoglobulin, Venoglobulin, Flebogamma, Octagam, Carimune, Iveegam, Panglobulin, Polygam, Vivaglobin

Yes Yes Yes

Immunomodulatory Therapy

Myeloma (Cancer)

Thalomid, Revlimid Yes No Yes

Interferon Agents Hepatitis, cancer, immune disorders

Actimmune, Alferon-N, Intron-A, Infergen, Pegasys, Peg-Intron, Roferon-A

Yes Yes Yes

Intranasal Steroids Allergies Nasonex, Flonase, Rhinocort AQ


Migraine Therapy Migraine headaches

Imitrex, Zomig, Zomig/ZMT, Maxalt/ZMT, Amerge, Relpax, Frova

No Yes Yes Yes

Multiple Sclerosis Therapy

Multiple Sclerosis

Betaseron, Avonex, Rebif, Copaxone

Yes Yes Yes (Copaxone is new for 2008)

Myeloid Stimulants Neutropenia (low white blood cell count)

Neupogen, Neulasta, Leukine, Numega

Yes No Yes


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For 2008, you’ll be eligible to participate in the UHC Choice Plus Account Based 70 medical option. UnitedHealthcare (UHC) is the claims administrator. This medical option allows you to take greater control over how you spend your healthcare dollars. Covered preventive care from network providers is payable at 100 percent. For other covered services, including prescription drugs through Medco, there is an annual deductible that you must meet before the company covers a portion of the cost through coinsurance. If you elect to participate in this coverage, you can also choose to participate in an HSA. You have the freedom to see both network and non-network providers and you don’t need a referral before you see a specialist. However, you pay more for services from non-network providers. The table below provides an overview of the main features.

Feature for covered services Details Preventive care From network providers paid at 100% of negotiated fees ⎯

you pay nothing! Annual deductible (Note: covered prescriptions are subject to the annual deductible)

Network providers

Non-network providers

$1,200 employee only; $3,000 employee + one or more dependents

Combined with services from network providers Coinsurance (after the annual deductible is met)

Network providers Non-network providers

70% of negotiated fees (you pay 30%) 50% of Reasonable and Customary (R&C) charges

(you pay 50% of the R&C charges PLUS the full amount in excess of the R&C)

Annual out-of-pocket maximum Network providers

Non-network providers

$4,000 employee only; $8,000 employee + one or more

dependents Unlimited

You can direct any questions you have regarding your medical option to UnitedHealthcare at 1-866-763-0444 Monday through Friday (except holidays), 8:00 a.m. to 8:00 p.m., Eastern time.

Specialty Drug

Prior Authorization

Dose Management Drug Class Used For Drug Names

2007 2008

Step Therapy

Quantity Limits

Duration Limits

Osteoporosis Osteoporosis Actonel No No Yes Yes (must try Fosamax or Boniva first)

Pain Management Pain Toradol, Stadol NS No Yes Yes Yes Pain Management Moderate to

severe pain Actiq, Fentora No No Yes Yes

Psoriasis Therapy Psoriasis Raptiva, Amevive Yes No Yes Yes Pulmonary Arterial Hypertension

Pulmonary Arterial Hypertension

Tracleer, Ventavis, Revatio

Yes No Yes Yes

Rheumatoid Arthritis

Arthritis Enbrel, Kineret, Arava, Humira

Yes Yes (Enbrel only)

Yes Yes

Tretinoic Derivatives

Acne Avita, Retin-A, Altinac, Tazorac

No Yes Yes

UHC Choice Plus Account Based 70 medical option


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We’re committed to helping you maximize the tools and resources available to help you understand the medical option available to you so you can determine whether it will best fit your needs and the needs of your family. Network The UHC Choice Plus Account Based 70 medical option includes network−based coverage. A network is comprised of doctors, hospitals, clinics, laboratories and outpatient facilities that have negotiated discount rates with UnitedHealthcare for covered services. You can choose to see a network or non-network provider, but you pay more if you choose to use a non-network provider.

To find the doctors and facilities in your medical option’s network, visit http://www.myuhc.com or access network information through the YBR Web site.

Annual deductibles A deductible is the annual dollar amount that you pay before your medical option steps in to help you pay the cost of covered expenses. After your annual deductible is met, both you and the company share the cost of your ongoing covered medical expenses through coinsurance. With the UHC Choice Plus Account Based 70 medical option, if you cover any dependents, you must meet the entire family annual deductible before any individual can receive coinsurance benefits.

Covered preventive care is not subject to the annual deductible. All other covered services, including covered prescription drugs are subject to the annual deductible.

Coinsurance Coinsurance refers to the percentage of your out-of-pocket covered medical costs that is paid by the company and the percentage that is paid by you after the annual deductible is met. The coinsurance ratio is 70/30 for covered services from network providers under the UHC Choice Plus Account Based 70 medical option, so 70 percent is paid by the company and you pay for the remaining 30 percent out-of-pocket. For the UHC Choice Plus Account Based 70 medical option, the coinsurance percentages you pay are 20 percent lower when you choose a network provider – you pay 50 percent of the reasonable and customary (R&C) fee for non-network providers rather than 30 percent of discounted fees AND you pay 100 percent of anything above R&C.

Coinsurance also applies to your covered prescription drugs after you meet your annual deductible. The coinsurance rate depends on whether the prescription is a generic drug or brand-name drug.

Out-of-pocket Out-of-pocket (OOP) expenses are amounts you pay beyond your contributions. Once your annual deductible is met, the company shares in your covered medical costs through coinsurance until you reach your annual in-network out-of-pocket maximum. OOP maximums protect you from significant healthcare costs because once you reach the maximum, the company pays 100 percent of your covered healthcare costs from network providers and covered prescriptions when you use Medco by Mail or Medco network retail pharmacies. Costs for services from non-network providers are not protected by an out-of-pocket maximum.

Break it down!


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Which FSA should I sign up for?

If you enroll in the UHC Choice Plus Account Based 70 medical option and the HC FSA, you will automatically be enrolled in the LSHC FSA that meets the Federal rules noted to the left.

If you do not enroll in the UHC Choice Plus Account Based 70 medical option and you choose to participate in the HC FSA, it will not be subject to the rules for the LSHC FSA noted to the left.

Tax-advantaged savings vehicles for eligible healthcare expenses Participating in accounts such as a Flexible Spending Account (FSA) or a Health Savings Account (HSA) (if that is available to you) is a Federal income tax-effective way to pay for eligible healthcare expenses with before-tax dollars.

Health Savings Account (HSA) An HSA is a bank account that you control. You can use your HSA to pay for eligible healthcare expenses today or save to pay for future healthcare expenses. Once money is in the account, it is yours to keep. You earn interest while the money remains in the account and you never forfeit any of the balance – it rolls over from year to year.

While you are in an active employment status, enrolled in medical coverage through the company, and have no other coverage before your annual deductible is met, and have an HSA opened with Exante Bank, you can contribute to your account through convenient before-tax payroll contributions or you can make deposits directly into your account and claim a deduction on your Federal income tax return.

Contributions to an HSA receive a triple Federal income tax advantage: your HSA contributions are income-tax free; grow with tax-free interest; and are even tax-free when you use the money to pay for eligible healthcare expenses. In many states, HSAs also receive favorable state income tax treatment.

For 2008, you can contribute up to $2,900 for employee only coverage and up to $5,800 for employee + one or more coverage. If you are 55 or older in 2008, you can make a “catch-up” contribution of up to $900 directly to your HSA account; however, catch-up contributions cannot be made through payroll deduction.

Health Care Flexible Spending Account (HC FSA) The HC FSA is another tax-advantaged vehicle that enables you to pay (up to $5,000 per year) for certain eligible expenses using your before-tax dollars. Contributing money to an FSA is easy, with contributions taken on a before-tax basis through convenient payroll deductions. You forfeit any unused funds in your 2008 HC FSA not used to pay for eligible services received in 2008 and claimed on a timely basis (before April 30,2009), so it’s important to plan carefully.

To get the most out of your HC FSA, estimate your eligible out-of-pocket healthcare expenses for 2008 very carefully. Use the Health Care FSA Estimator on the YBR Web site to help you project your Federal income tax-saving opportunities.

Limited Scope Health Care FSA (LSHC FSA) If you decide to participate in the medical option available to you through the company, the Internal Revenue Service (IRS) restricts what can be reimbursed through an HC FSA. You cannot use it to pay for any eligible medical expenses used to meet your annual deductible. But that doesn’t mean an FSA is not right for you. A special type of HC FSA, the LSHC FSA (which is what the IRS calls a “post deductible” FSA), is available for medical expenses that meet the IRS rules for covered expenses, including eligible dental, vision and non-covered medical expenses along with eligible covered medical expenses ⎯ after you meet your annual deductible.

There’s more


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Dependent Day Care FSA (DDC FSA) The DDC FSA can be used to reimburse eligible daycare costs up to $5,000 (up to $2,500 if married and filing separate Federal income tax returns) for an eligible dependent child or disabled adult when the care is required to allow you (and your spouse) to work or attend school full-time. Eligible expenses may include babysitters (other than your dependents), day care, nursery school and elder care for dependents that live with you.

Dental Plan and Vision Plan options When making your elections during the 2008 Annual Enrollment, make sure to think about your dental and vision needs. While there are no changes to the covered benefits provided for the upcoming year, you must register and confirm your enrollment if you want coverage. If you fail to enroll and confirm your elections, you won’t have dental or vision coverage for 2008. Monthly contributions for dental coverage will increase. There will be no change to monthly contributions for vision coverage. Long-Term Disability (LTD) Plan coverage There are no changes to the LTD Plan for 2008. However, contributions for coverage will be decreasing slightly. Your 2007 coverage will remain in effect for 2008, unless you make changes during Annual Enrollment. Company-Provided Life Insurance Plan coverage Your Company-Provided Life Insurance is $10,000 for 2008. If you had more than $10,000 coverage through Unisys as of December 31, 2007, you can convert up to the difference between your 2007 coverage and $10,000 to an individual policy without the need to provide satisfactory evidence of insurability by submitting the required paperwork for receipt by MetLife on or before January 31, 2008. The Unisys Benefits Service Center can provide you with additional information on converting your Company-Provided Life Insurance coverage. Call the UBSC at 1-877-864-7972, Monday to Friday (except holidays), 9:00 a.m. to 5:00 p.m. Eastern time. Be sure to allow sufficient time for the mailing and delivery of the required forms.


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Your Benefits ResourcesTM (YBR) Web site The YBR Web site contains the tools and resources you can use throughout Annual Enrollment and beyond. You’ll also use this site to enroll in your benefits for 2008 and access the Health Risk Assessment. Log on to the YBR Web site at http://resources.hewitt.com/unisys. Welcome After signing into the YBR Web site with your username and password, you’ll arrive at the Welcome page.

Review Your Dependents Once you click the “Enroll” button, you’ll see a listing of your eligible dependents, if any. Be sure to review the list and add any eligible dependents not already listed. Your review of the dependents is verification that they meet the eligibility requirements for coverage. If you don’t know the eligibility requirements, click on the “Online Reference Guide” and choose “Health Insurance.” Then select “Dependents You Can Cover.” Note: Dependents on the list are NOT automatically enrolled in your medical, dental and vision coverages. When you enroll for each of these separate benefit coverages for 2008, your list of dependents will be shown and you must check boxes next to each eligible dependent if you wish to include them for each of these coverages.

Once you make your benefits elections, you can return to this page to access the Health Risk Assessment. Remember, you can receive a $20 per month discount on your 2008 medical plan contributions if you complete it on or after October 1, 2007.

Click here to begin the enrollment process and to start using the many decision support tools available to you.

Enroll!


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Enroll in Your Benefits The Enroll in Your Benefits page shows the default coverages for 2008 the first time you log on. The benefits are updated as you proceed through the enrollment process, but the updates you make are not effective until you scroll to the bottom of the page, press “Confirm” and reach the “Completed Successfully!” page. If you don’t confirm your elections, you will receive the default coverages.

When electing your medical, dental, vision and other benefits, you’ll need to make two decisions:

Whether you want to participate (click the radio button next to the option if you want to participate); and

If dependent coverage is available, who you’re going to be covering under the option (check the boxes next to the dependents you wish to cover). If a check mark does not appear in the box next to a dependent’s name, that dependent won’t receive coverage under that option.

If you click on this link, you’ll see all of the decision support tools available to you in a new window. But it is preferred that you use the access to these same tools when you visit each section (for example, you’ll have access to the medical decision toolkit when you reach the medical section of the enrollment process) to ensure you’re following the steps in the right order.

Begin by clicking the “Medical Discounts and Surcharges” link at the top of the chart. This will ensure you don’t miss any steps along the way! The non-tobacco user discount and/or the spousal surcharge may apply to you based on your answers. If you don’t complete this section, you’ll be assessed the spousal surcharge and miss out on the non-tobacco user discount. Then select “OK and Continue,” and you’ll automatically advance in order through the enrollment process.


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Health Savings Account (HSA) If you elect the UHC Choice Plus Account Based 70 medical option through the company for 2008, the next screen you’ll see will be the Health Savings Account page. This page will indicate the amount you are allowed to contribute to an HSA in 2008. You’ll be able to enter the amount you want to contribute throughout 2008 by way of payroll deductions, up to the maximum amount shown. You can change your contributions at any time by contacting the Unisys Benefits Service Center. If you don’t enroll in the medical option offered to you through the company, you won’t be able to contribute to an HSA in 2008 through UTS.

Confirm your choices

Important: You’re not finished with the election process at this point! Your elections won’t be official or entered into the system until you confirm them! If everything looks right, click “Confirm.” If not, you can make changes or click “Quit” to cancel all of your elections. Note: If you click “Quit,” you’ll need to reelect each option when you return to the YBR Web site since your previous elections won’t be saved.


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Confused? Log on to the YBR Web site at http://resources.hewitt.com/unisys to review step-by-step instructions to help you through the enrollment process. On the Welcome page, click the “Learn What’s Changing on 01-01-08” link.

Completed Successfully

If you do not see the “Completed Successfully!” message, your benefits elections have not been entered into the system! You will receive default coverages that may not meet your and your family’s needs. If you have completed the steps outlined in this section and still do not reach the “Completed Successfully!” page, return to the Enroll in Your Benefits page and try making your elections again. If problems persist, contact the Unisys Benefits Service Center (UBSC) at 1-877-864-7972, Monday through Friday (except holidays), 9:00 a.m. to 5:00 p.m., Eastern time.

Remember! Print your “Completed Successfully!” page. In mid-November 2007 you’ll receive a Confirmation of Enrollment in the mail. Compare your “Completed Successfully!” page to your Confirmation of Enrollment. You’ll need to report any differences between the two immediately.

When you arrive at this screen with the “Completed Successfully!” message, you know that your elections have been recorded. Be sure to print a copy of this page for your records.


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Please note: The above communication describes in a summary fashion or refers to changes to certain benefit plans available to employees of Unisys Technical Services L.L.C. and Unisys Technical Services Division of Unisys Corporation (collectively UTS), without going into all the details. The provisions of the applicable plan documents solely determine the legal rights and obligations of any person. In the event of any discrepancy between this communication (or any oral representations made by any person regarding this communication) and the official plan documents, the applicable plan documents (including any amendments), as interpreted by the plan administrator, in his/her/its sole discretion, will always govern. Unisys Corporation reserves the right to amend or terminate any or all of its benefit plans, in whole or in part, at any time and for any reason without notice or consent to the extent permissible under applicable law. Because Unisys and UTS cannot give legal, financial or tax advice, you are strongly urged to consult your own personal legal, financial and tax advisors before you take any action under the plan(s). This document describes changes to the various Unisys employee welfare benefit plans and serves as a “summary of material modifications” (SMM) to the terms of those plans, which are contained in the summary plan descriptions (SPDs) for those plans (from 1997). Keep this document with your SPD and Annual Enrollment Newsletters (SMMs) from prior years (after 1997). © 2007 Unisys Corporation. All rights reserved. Unisys is a registered trademark of Unisys Corporation. All other brands and products referenced herein are acknowledged to be trademarks or registered trademarks of their respective holders. Printed in US America 10/07

Documents

2008 Annual Enrollment Guide€¦ · Find helpful tips to guide you through the enrollment process. ... last minute to enroll ⎯ if you’re online and in the middle of a transaction