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2017 Annual Benefits Enrollment Guide
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Annual Enrollment 2017
Enrollment begins on Tuesday, November 1 and ends Tuesday, November 15, 2016at midnight Eastern Time.
Important decisions deserve a little homework – that includes making enrollment elections during Annual Enrollment. Your total rewards package from ADP includes benefits that are designed to help you be healthy and secure. For this year’s Annual Enrollment, make a commitment to take the time to understand all of your options and decide what’s best for you, your family, and your health. After all, what’s more important than your health?
The purpose of this interactive Enrollment Guide is to provide you with important information to help you make the right choices that fit the needs of you and your family. Additional enrollment details are available on the Associate Portal under myLife / My Benefits / 2017 Plan Information.
All Annual Enrollment elections become effective on January 1, 2017.
Covered dependent information needed...Under the Affordable Care Act (ACA), ADP is required to report to the IRS health care coverage offered to full-time associates and their dependents. In order to comply with this requirement, we must obtain the legal name and Social Security Numbers (SSNs) for all covered dependents. If you are covering dependents, regardless if you plan to change your benefit elections for 2017, be sure to provide their legal name and SSN during the Annual Enrollment period, if you have not already done so.
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What’s New for 2017
• Medical Option 1 Deductibles: See page 8• CDHP with HSA Deductibles and Out-of-Pocket Maximums: See page 10• Emergency Room Copayment: See pages 8 and 10• HSA Contribution Limits: See page 11• Aflac Group Critical Illness Insurance: See page 20• Associate Contributions: Details throughout this Guide
What’s Changing for 2017
New! See a doctor any time with Teladoc and Virtual VisitsIf you don’t feel well, or your child is sick, it’s not always convenient to go to the doctor’s office. Teladoc (for Aetna members) and Virtual Visits (for UnitedHealthcare members) provide a national network of U.S. board certified doctors available 24/7/365 to help resolve many common medical issues – all from your computer or mobile device. See the 2017 Plan Information page of the Associate Portal for details.
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How to Enroll
Tuesday, November 1 - Tuesday, November 15, 2016(deadline is midnight Eastern Time)
Annual Enrollment is your once-a-year opportunity to make changes to your benefits. Spend the time to learn about your benefit options so you can make the best decisions for you and your family based on your needs.
Make Sure You…
Read the Annual Enrollment Guide
Review your dependent information
Use the decision support tool to help you decide which medical plan is best for you and your family
Think about any planned health care expenses for next year – orthodontia, vision procedures, etc. and make elections for the HSA, Health Care FSA, or Limited Purpose FSA
Enroll November 1-15 by accessing the ADP Benefits Enrollment System
The choices you make during Annual Enrollment will go into effect January 1, 2017 and remain until December 31, 2017, unless you have a qualified life event. Beginning in 2017, you’ll now have 60 calendar days to make benefit plan changes after the birth of a child or adoption. The election window will remain at 31 calendar days for all other qualified life events. To learn more visit the Associate Portal under myLife / My Benefits / 2017 Plan Information.
ADP Benefits Enrollment System – Easy AccessLog into the Associate Portal with your associate ID and password. You can access the ADP Benefits Enrollment System from the 2017 Plan Information page. This system is accessible via computer or mobile device and is available 24/7.
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Note: Chrome and Firefox are the preferred browsers to access the ADP Benefits Enrollment System.
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Eligibility
All regular full-time associates are eligible for Medical, Prescription Drug, Dental, Vision, Personal Accident, and Critical Illness Insurance coverage on their first day at work. Part-time associates working 20 standard hours or more per week are also eligible.*
Eligible DependentsIf you choose coverage for yourself, you may also cover your eligible dependents for Medical, Prescription Drug, Dental, Vision, Personal Accident, and Critical Illness Insurance. Dependents include your:
• Spouse, to whom you are legally married.
• Eligible domestic partners who reside in states which allow insured benefits (i.e., HMOs except for Triple-S, Dental DMO, Vision and Personal Accident Insurance) for domestic partners. Refer
to the “ADP Domestic Partner Policy” available on the Associate Portal for more details.
• Dependent children up to the end of the month they turn age 26.
• Dependent children age 26 or older and currently covered under the plan that are physically or mentally disabled and are incapable of earning their own living (Onset of disability must be prior to age 26 or while covered under the Plan.).
* Part-time associates under age 65 are eligible for CDHP with HSA or HMO Medical Plan options, but not Medical Plan Option 1. Associates age 65 or older are eligible for all medical plans.
TIP: For more information about dependent eligibility refer to the Eligibility section of the Summary Plan Description.
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Important... • If you do not actively enroll in a Medical Plan option during Annual Enrollment, you will remain in your current
plan at your current coverage level and tobacco surcharge election. Refer to the Tobacco Surcharge section for additional details.
• Associates who move from an HMO, Option 1 or No Coverage into a CDHP with HSA option for 2017 must review the HSA election page and choose an HSA contribution of zero or higher to receive ADP’s HSA employer contribution.
Affordable Care Act (ACA)• Under the ACA, everyone is required have health insurance, or pay a fine to the government. You will have the option of
obtaining coverage through ADP or obtaining coverage through government-run health care “Marketplaces” (also known as “Exchanges”). To learn more about “Marketplaces”, go to http://www.healthcare.gov. - ADP’s CDHP with HSA Medical Plan meets all of the law’s requirements for what the government calls affordable
coverage. As such, you will not qualify for a tax credit if you choose to purchase medical coverage through the health insurance marketplace.
- If you are currently enrolled in an ADP Medical Plan option and remain enrolled in 2017, you will meet the ACA individual mandate requirement.
• The government requires employers to provide employees with a certification of your medical coverage. This information will be sent along with your W-2 to you. ADP will also send the information to the IRS to show that ADP meets the minimum essential coverage requirements.
• The ACA requires that eligible associates and other eligible individuals receive a summary of your medical coverage options, a Summary of Benefits and Coverage (SBC), for each available coverage option offered under the ADP Medical Plan. Login to the Associate Portal at https://www.myadp.adpcorp.com and then follow the links for myLife / My Benefits / 2017 Plan Information. Paper copies of the SBCs and glossary are available, at no cost to you, upon request by submitting a case to the HR & Payroll Resource Center or calling 1-877-237-4711. Each SBC is prepared using a required federally-designed template.
The legal plan documents for the ADP Medical Plan provide more complete, detailed coverage information for the medical plan options. If there is any conflict between the statements in the SBCs and the legal plan documents, the terms of the plan documents will govern all rights and obligations of plan participants, beneficiaries, and fiduciaries and of ADP.
Medical
For 2017, ADP will offer the Option 1 Plan and the Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Medical Plan through Aetna and UnitedHealthcare. ADP will continue to cover most of the cost of your medical coverage. However, to keep up with the rise in overall health care costs, associate contributions will be increasing. Also, local HMOs will continue to be offered in some locations.
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Tobacco Surcharge The tobacco surcharge on Medical Plan contributions for associates and covered spouses who certify as Tobacco Users is $50 per month.
IMPORTANT reminders about Tobacco Use Status:• If you or your spouse are newly enrolling in the ADP Medical
Plan, you must complete a Tobacco Use Certification during the 2017 Annual Enrollment period to avoid the surcharge.
• If you make no changes for 2017, the current Tobacco Use status for you and your covered spouse will continue for 2017.
Tobacco user definitions:
• Tobacco User: Individual who, in the last six months, has used tobacco products AND has not completed six coaching sessions through the Healthyroads Tobacco Cessation Coaching Program.
• Non-Tobacco User: Individual who, in the last six months, has not used tobacco products OR has completed six coaching sessions through the Healthyroads Tobacco Cessation Coaching Program.
Tobacco products include: Cigarettes, electronic cigarettes (e-cigarettes), pipes, cigars, chewing tobacco, smokeless tobacco or other tobacco products.
You and/or your spouse can avoid the surcharge by completing six coaching sessions within the previous six months through the Healthyroads Tobacco Cessation Coaching Program, which is available to you at no cost. To get started, visit the Healthyroads website, or call 1-877-330-2746.
Note: You and/or your spouse will have the opportunity to eliminate this surcharge by becoming a non-tobacco user at anytime during 2017 and updating the Tobacco Use Certification through the ADP Benefits Enrollment System. Once updated, the change will be effective the next available pay cycle. Retroactive elections cannot be honored.
Medical
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Option 1The Option 1 Medical Plan is available through Aetna and UnitedHealthcare (UHC). Each time you or your covered dependent(s) need care, you can use a provider or hospital participating in the network you select in the enrollment process, either the Aetna Choice POS II or UnitedHealthcare Choice Plus networks (in-network), or out-of-network.
Medical
TIP:
If you and your covered spouse did not complete a biometric screening and Personal Health Assessment and earn 1,000 wellness points by July 31, 2016, you will be charged the “Base Rate” noted in the chart above. Contributions shown do not include the $50 monthly tobacco surcharge for associates and/or spouses who certify as Tobacco Users. Refer to the Medical section of the Summary Plan Description for contributions that include the tobacco surcharge.
Base RateNo Action Taken
Completed Healthy Actions
(Associate Only = $500 credit)
Completed Healthy Actions
(Spouse Only = $250 credit)
Completed Healthy Actions
(Associate and Spouse =
$750 credit)
Medical Plan
Coverage Tier
Without Tobacco Surcharge
Without TobaccoSurcharge
Without TobaccoSurcharge
Without TobaccoSurcharge
Option 1(Aetna and UHC)
Associate Only $112.52 $93.28 n/a n/a
Associate + Spouse $253.17 $233.93 $243.55 $224.31
Associate + Child(ren) $225.04 $205.80 n/a n/a
Associate + Family $384.47 $365.23 $374.85 $355.61
Bi-Weekly Associate Contributions
When you use in-network providers, you will receive a higher level of benefits and pay less out of your own pocket. Costs are generally higher for out-of-network providers. To find in-network providers, visit Aetna’s and UHC’s websites.
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In-Network Out-of-Network
DeductibleAssociate OnlyAssociate + SpouseAssociate + Child(ren)Associate + Family
$600$600 per person
$600 per person / $1,300 per family $600 per person / $1,300 per family
$1,200$1,200 per person
$1,200 per person / $2,800 per family$1,200 per person / $2,800 per family
Office VisitPreventivePrimary Care PhysicianSpecialty Care PhysicianTeladoc/Virtual Visits
Paid by ADPYou pay 20%1
You pay 20%1
You pay 20%1
Not coveredYou pay 40%1
You pay 40%1
Not covered
Out-of-Pocket Maximum(including deductible)
Associate OnlyAssociate + SpouseAssociate + Child(ren)Associate + Family
$3,500$3,500 per person
$3,500 per person/$7,000 per family$3,500 per person/$7,000 per family
$7,000$7,000 per person
$7,000 per person/$14,000 per family$7,000 per person/$14,000 per family
Inpatient Hospital Services You pay 20%1 You pay 40%1
Outpatient Hospital Services You pay 20%1 You pay 40%1
Emergency Room You pay $150 copay plus you pay 20% after deductible (copay waived if admitted)
Lifetime Maximum None
Changes are denoted in purple.1Once the deductible is met, coinsurance applies until you reach the out-of-pocket maximum.
Medical
Option 1 Plan Overview
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Medical
CDHP with HSAThe CDHP with HSA Medical Plan is available through Aetna and UnitedHealthcare (UHC). It provides you with access to the same vast national network of physicians, hospitals and other health care providers offered under the Option 1 plan.
Base RateNo Action Taken
Completed Healthy Actions
(Associate Only = $500 credit)
Completed Healthy Actions
(Spouse Only = $250 credit)
Completed Healthy Actions
(Associate and Spouse =
$750 credit)
Medical Plan
Coverage Tier
Without Tobacco Surcharge
Without TobaccoSurcharge
Without TobaccoSurcharge
Without TobaccoSurcharge
CDHP with HSA(Aetna and UHC)
Associate Only $40.46 $21.22 n/a n/a
Associate + Spouse $91.03 $71.79 $81.41 $62.17
Associate + Child(ren) $80.91 $61.67 n/a n/a
Associate + Family $125.37 $106.13 $115.75 $96.51
Bi-Weekly Associate Contributions
If you and your covered spouse did not complete a biometric screening and Personal Health Assessment and earn 1,000 wellness points by July 31, 2016, you will be charged the “Base Rate” noted in the chart above. Contributions shown do not include the $50 monthly tobacco surcharge for associates and/or spouses who certify as Tobacco Users. Refer to the Medical section of the Summary Plan Description for contributions that include the tobacco surcharge.
TIP:When you use in-network providers, you will receive a higher level of benefits and pay less out of your own pocket. Costs are generally higher for out-of-network providers. To find in-network providers, visit Aetna’s and UHC’s websites.
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Medical
In-Network Out-of-Network
DeductibleAssociate OnlyAssociate + SpouseAssociate + Child(ren)Associate + Family
$1,750$4,0001
$4,0001
$4,0001
$3,250$6,5001
$6,5001
$6,5001
Office VisitPreventivePrimary Care PhysicianSpecialty Care PhysicianTeladoc/Virtual Visits
Paid by ADPYou pay 20%2
You pay 20%2
You pay 20%2
Not coveredYou pay 40%2
You pay 40%2
Not covered
Out-of-Pocket Maximum (including deductible)Associate OnlyAssociate + SpouseAssociate + Child(ren)Associate + Family
$4,000$7,1503 $7,1503
$7,1503
$8,000$16,0003
$16,0003
$16,0003
Inpatient Hospital Services You pay 20%2 You pay 40%2
Outpatient Hospital Services You pay 20%2 You pay 40%2
Emergency Room You pay $150 copay plus you pay 20% after deductible (copay waived if admitted)
Lifetime Maximum None
Changes are denoted in purple.1 One or multiple family members combined must reach the family deductible limit before the plan will pay for non-preventive benefits for anyone in the family. 2 Once the deductible is met, coinsurance applies until you reach the out-of-pocket maximum.3 One or multiple family members combined must reach the family out-of-pocket maximum before the plan will pay covered benefits at 100%.
CDHP with HSA Overview
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Medical
CDHP with HSAWhen you enroll in the CDHP, you may be eligible* to open a Health Savings Account (HSA). An HSA is a special account to help cover out-of-pocket health care expenses for you and eligible dependents. The graphic below shows how the CDHP and HSA work together.
Level 1: Preventive Care 100%• Annual physicals and screenings are provided at no cost when you use in-network providers• Includes well-child care• Deductible waived for certain preventive drugs
Level 4: Out-of-Pocket Maximum• Once you reach the out-of-pocket maximum, the health plan pays 100% of covered medical expenses
Consumer-Driven Health Planwith Health Savings Account (HSA)
Level 2: Annual Deductible• The amount you pay out-of-pocket, including prescription drugs, before the health plan pays for benefits
Level 3: Coinsurance• After the deductible is met, coinsurance begins• Coinsurance means you and the health plan share the cost of expenses• For example, the health plan pays 80% and you pay 20% for in-network providers
*In Alabama, California and New Jersey, HSAcontributions are not exempt from state taxes.
*You are not eligible for an HSA if you have first dollar coverage under another health plan, are enrolled in Medicare, are claimed as a dependent on another person’s tax return, or participate in a full Health Care Flexible Spending Account. Refer to the HSA section of the Summary Plan Description for more details.
HSA Features• Free Money: ADP contributes to your account
- $600 a year for Associate Only coverage and $1,100 a year for all other coverage levels
• Triple Tax Advantages: Money goes in tax-free, grows tax-free and withdrawals are tax-free when funds are used for health care
• Rolls Over: Not a use it or lose it account. Carry over your money from year to year
• Portable: The HSA is yours if you leave ADP or retire
• Investments: Broad range of investment fund choices after your balance reaches $1,000
• Annual Contribution Limits: $3,400 for Associate Only coverage and $6,750 for all other coverage levels
• Catch-up Contributions: If you are age 55 or older, or turn 55 in 2017, you can contribute an additional $1,000 to your HSA
For a list of HSA banking fees, visit the 2017 Plan Information page of the Associate Portal.
TIP:
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Cost Comparison: CDHP with HSA vs. Option 1 Thinking about which medical plan option to select? Use this cost comparison example to help you decide.
Medical
good for your health and your budget.
The CDHP with HSA,
Medical Plan Cost Comparison CDHP with HSA vs. Option 1
Mom and Dad get their annual physicals and both take regular prescriptions, generic and preferred. They see their primary care physician a couple of times a year and see a specialist once a year. Their two kids see their pediatrician once a year. Here’s how both medical plans compare.
Associate Annual Premium Contributions* $2,509 $9,246
Total Out-of-Pocket Costs for Health Care $1,065 $823
ADP’s Annual Contribution to HSA $1,100 $0
TOTAL COST (Premium contributions plus out-of-pocket costs less HSA contribution)
$2,474 $10,069
Based on the above scenario, this family of four saves $7,595 a year in health care costs (including premiums) with the CDHP with HSA. During the enrollment process you’ll be able to estimate your yearly health care cost to help make the best choices for you and your family. *Assumes associate and spouse are non-tobacco users and have both completed their biometric screening, PHA and earned 1,000 wellness points.
CDHP with HSA Option 1
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Medical
Health Maintenance Organization (HMO)Local HMO medical plans will continue to be offered in 2017. Plan Summaries for each HMO are available on the 2017 Plan Information page of the Associate Portal.
2017 Bi-Weekly Associate Contributions
Click here for the bi-weekly contributions for the HMO plan options. Bi-weekly payroll contributions are also available on the
2017 Plan Information page of the Associate Portal
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Prescription Drug Coverage
Medical
• CDHP with HSA and Option 1 prescription drug costs apply to the out-of-pocket maximum under the medical plan.
• Certain preventive drugs (including aspirin, breast cancer drugs, tobacco cessation drugs, and women’s contraceptives) are covered at 100% under both Option 1 and the CDHP with HSA, subject to plan guidelines. Refer to the Prescription Drug section of the Summary Plan Description.
If you participate in Medical Option 1 or CDHP with HSA coverage through Aetna or UHC, prescription drug coverage is included through Express Scripts.
Option 1 and CDHP with HSA*Retail (30-day supply)
Generic
Preferred Brand
Non-Preferred Brand
25% (minimum $12, maximum $55)
25% (minimum $35, maximum $100)
50% (minimum $80, maximum $220)
Mail Order (90-day supply)
Generic
Preferred Brand
Non-Preferred Brand
25% (minimum $25, maximum $125)
25% (minimum $75, maximum $225)
50% (minimum $200, maximum $400)
*For the CDHP with HSA, you must meet the combined medical and prescription drug deductible before the plan begins to pay benefits for prescriptions – other than for certain preventive drugs.
Prescription Drug ResourcesBe sure to review the Express Scripts Formulary Guide and the CDHP Preventive Drug List. These resources are also available on the 2017 Plan Information page of the Associate Portal. To price a medication, visit www.express-scripts.com/adp.
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ADP offers a choice of three comprehensive dental plan options through Aetna to help meet the needs of you and your family.
Dental
Option 1 Option 2 Option 3 (DMO)In-Network or
Out-of-Network1 In-Network Out-of-Network1 In-Network1
Annual DeductibleAssociate OnlyAssociate + SpouseAssociate + Child(ren)Associate + Family
$50$50 per person
$50 per person/$150 per family$50 per person/$150 per family
$0$0 $0
$50$50 per person
$50 per person/$150 per family$50 per person/$150 per family
$0$0 $0
Annual Benefit Maximum $1,500 per person $3,000 per person $1,000 per person Unlimited
Lifetime Orthodontia Maximum $1,500 per person (child only) $1,500 per person (child only) $1,000 per person (child only) Unlimited
(child/adult)
Orthodontia Covered 50%2 Covered 50% Covered 50%2 Covered 50%
Preventive Care Covered 100% Covered 100% Covered 100% Covered 100%
Endodontics Covered 80%2 Covered 85% Covered 50%2 Coverage varies (60-100%)
Restorations Covered 80%2 Covered 85% Covered 50%2 Coverage varies (60-100%)
Periodontics Covered 80%2 Covered 85% Covered 50%2 Covered 100%
Oral Surgery - Some oral surgeries may be eligible under the ADP Medical Plan
Covered 80%2 Covered 60% Covered 50%2 Covered 100%
Restoration & Prosthodontics Covered 80%2 Covered 60% Covered 50%2 Covered 60%
Option 3 plan offers limited out-of-network benefits. See the Option 3 benefit summary on the 2017 Plan Information page of the Associate Portal for more details.
Option 1 Option 2 Option 3 (DMO)
Associate Only $19.10 $12.78 $5.66
Associate + Spouse $42.98 $28.75 $12.73
Associate + Child(ren) $38.21 $25.55 $11.32
Associate + Family $61.13 $40.88 $18.11
1If you use an in-network dentist, covered charges will be discounted. If you use an out-of-network dentist, charges are subject to the Usual and Prevailing fee. 2Shows covered percentage after deductible.
Bi-Weekly Associate Contributions
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The ADP Vision Plan through Vision Services Plan (VSP) is an Open Access program that allows you to use your Vision Plan benefit at any location, including specialty optical boutiques and retail chains such as Costco, Eye Care Centers of America, LensCrafters, Sears Optical, Target and Walmart. The ADP Vision Plan pays higher benefits if you use a VSP Signature Network Provider. Visit vsp.com to find a VSP Signature Network Provider.
Vision
Service Coverage with VSP Signature Network Provider and with Participating Retail Chains Out-of-Network
Eye Exam $10 copay Up to $50 after a $10 copay
Prescription Glasses $15 copay $15 copay
Frame $160 allowance for wide selection of frames$180 allowance for featured name brands20% discount on amount over allowance$90 allowance at Costco
Up to $70
Lenses Single vision, lined bifocal, and lined trifocal lenses and polycarbonate lenses for dependent children are included in prescription glasses copay
$50 - $100
Lens Enhancements • Standard progressive lenses $50 copay• Premium progressive lenses $80-$90 copay• Custom progressive lenses $120-$160 copay• Average savings of 35-40% on other lens enhancementsCheck with Costco for VSP member pricing. Average 20% off at participating retail chain providers other than Costco
Up to $100
Contacts (instead of glasses)
• $130 allowance for contacts and contact lens exam (fitting and evaluation) plus 15% off contact lens exam• Note: while contact lens exam is not covered through retail chain providers, you will receive 15% discount (except Costco)
Up to $120 for contacts and contact lens exam
For additional Vision plan details and other discounts and savings, please visit the 2017 Plan Information page on the Associate Portal. TIP:
VSPAssociate Only $4.91
Associate + Spouse $7.14
Associate + Child(ren) $7.80
Associate + Family $12.79
Bi-Weekly Associate Contributions
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Flexible Spending Accounts (FSAs)
FSAs offer the opportunity to set aside pre-tax dollars to pay for eligible health care and/or dependent care expenses. By setting aside money for these expenses before taxes are deducted from your paycheck, most people can save 20-40% on health care and child care.
Health Care FSA Limited Purpose FSA Dependent Care FSA
Annual maximum contribution
$2,600 $2,600 $5,000
Eligible expenses Copays, deductibles, coinsurance for medical, dental, vision and Rx expenses
Dental and vision expenses only Daycare, child care, elder care expenses so you can work, look for work or go to school
CDHP required No Yes No
Availability of funds Full contribution available January 1, 2017
Full contribution available January 1, 2017
As funds are added to your account from your paycheck
Important dates Claims must be incurred January 1 – December 31, 2017. 2017 claims must be filed for reimbursement by March 31, 2018. All unused balances will be forfeited
Claims must be incurred January 1 – December 31, 2017. 2017 claims must be filed for reimbursement by March 31, 2018. All unused balances will be forfeited
Claims must be incurred from January 1, 2017 – March 15, 2018. 2017 claims must be filed for reimbursement by March 31, 2018. All unused balances will be forfeited
Mid-year electionchanges
Requires a life event Requires a life event Requires a life event
If you are currently enrolled in an FSA, you must re-enroll to participate in 2017. TIP:
Did You Know...If you work 20 or more hours per week and take public transportation to work, participate in a vanpool, or pay to park your car at work or a park-and-ride station, ADP offers a Commuter Spending Account (CSA) to help you save money.
A CSA lets you pay for eligible commuting expenses using pre-tax pay, lowering your taxable income, which means you pay less in taxes. It’s easy to get started, visit https://myspendingaccount.adp.com.
Note: You can change your CSA election during the year without having a life event.
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Personal Accident Insurance (PAI)PAI helps protect you against the financial consequences of accidental injury that results in dismemberment or death. You may enroll in Personal Accident Insurance for yourself and for your eligible dependents. When you elect Family coverage, your dependents are covered for a percentage of the benefit amount you elect for yourself.
2017 Bi-Weekly Associate Contributions
Coverage Amount Associate Only Family
$25,000 $0.10 $0.14
$50,000 $0.20 $0.28
$100,000 $0.40 $0.57
$200,000 $0.80 $1.15
$300,000 $1.20 $1.73
$400,000 $1.60 $2.30
$500,000 $2.00 $2.88
$1,000,000* $4.01 $5.76
Other Insurance
Legal Services PlanThe MetLaw® Legal Services Plan, provided by Hyatt Legal Plans, offers affordable legal representation for you, your spouse and eligible dependents paid for through the convenience of payroll deductions. You have access to more than 13,000 experienced attorneys nationwide for important, everyday legal services, including estate planning, financial, and real estate matters. There are no deductibles, copayments, waiting periods, or claim forms when you use a network attorney for covered services.The bi-weekly associate contribution is $8.65.To enroll in the Legal Services Plan you must make your election during the Annual Enrollment period. Your current election will roll over if you do not make an active election. You cannot add or drop coverage during the year except for qualified life event changes.
*Subject to a maximum of 10 times your annual base pay or benefit earnings for sales associates.
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Employer-Provided Insurance
Coverage Benefit Amount Eligibility
Accidental Death & Dismemberment (AD&D) 1.5X base salary up to $1 million Must work 32 hours or more per week
Basic Life Insurance 1.5X base salary up to $1 million Must work 32 hours or more per week
Business Travel Accident Insurance 4X base salary up to $2.5 million Must work 20 hours or more per week
Other Insurance
ADP provides the following insurance coverage plans at no cost to associates:
Review Your Beneficiaries! Annual Enrollment is a great time to review and update your beneficiaries. TIP:
Long Term Disability (LTD) All full-time associates working 32 or more hours per week are automatically enrolled in the LTD Plan effective from their date of hire. LTD replaces 60% of your monthly income (up to a maximum monthly benefit of $15,000) to normal retirement age for most conditions (or later, depending on when the disability begins) if you are unable to work after an initial disability of 180 continuous days. You may opt out of coverage at any time, however, if you later want to elect LTD coverage, you will have to provide proof of good health to Prudential and approval by the insurance company is not guaranteed. The cost for LTD is deducted from your paycheck on an after-tax basis so your LTD benefits are not subject to Federal taxes and most state taxes. The monthly cost for LTD is $.27 per $100 of covered monthly salary. For example, if you earned a salary of $75,000, you would only have to pay $203 annually for this benefit.
To update your LTD election log in to the ADP Benefits Enrollment System and select the option to “Declare an Event” under the “Report a Qualifying Change?” section and then select “Change to LTD Enrollment”.
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Voluntary Benefits
New! Group Critical Illness InsuranceAll full-time and part-time associates working 20 or more hours per week can apply for Critical Illness insurance through Aflac. The Aflac Group Critical Illness insurance plan can help protect against the financial liability associated with specific covered medical conditions such as cancer, heart attack, renal failure or a stroke. More importantly, the plan helps you focus on recuperation instead of the distraction and stress over the costs of medical and personal bills.
The plan offers two maximum coverage levels for associates: a $40,000 benefit and a $20,000 benefit. Dependent children are included in all coverage levels at no extra cost. Additional coverage can be purchased for your spouse. The benefit amount for covered dependents and spouses is 50 percent of the associate benefit amount.
You can enroll in Critical Illness coverage through the ADP Benefits Enrollment system during Annual Enrollment for coverage effective January 1, 2017. Note that you will not be able to enroll or make changes during the year unless you have a qualified life event.
The Aflac coverage described here is subject to plan limitations, exclusions, definitions, and provisions. For detailed information, please see the plan brochures, as this material is intended to provide general summaries of the coverage. These overviews are subject to the terms, conditions, and limitations of the plans.Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. AGC1602028 IV (8/16)
Group Universal Life (GUL)GUL is term life insurance with an age-rated premium paid by the associate and is available to full-time associates working 32 or more hours per week. The coverage amounts are from 1.5 to 8 times your base pay ($3 million maximum). You may enroll in coverage any time during the year.
New associates have a special GUL enrollment opportunity during their first 60 days of employment. During this period, you can obtain 1.5 times your base pay or $500,000 (whichever is less) in guaranteed coverage. That means a medical exam is not required to receive this life protection as long as you meet eligibility requirements. Amounts greater than this will be subject to Evidence of Insurability. If you are a current GUL participant, be sure to review and update your beneficiaries.
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Pet Insurance/Pet Discount ProgramAll full-time and part-time associates working 20 or more hours have access to voluntary pet insurance and/or discount programs that offer coverage for preventive care, accidents and illness. You may enroll in coverage any time during the year.
Nationwide Pet Insurance is comprehensive insurance coverage you can use with any veterinarian. When you enroll you’ll receive a five percent premium discount. If you enroll multiple pets you can save even more.
Pet Assure is a veterinary discount plan that offers a 25 percent discount on all in-house medical services – including wellness visits – at network veterinarians. All pets are included regardless of type, breed, age, or health condition. One plan includes all of your pets for only $7.00 a month.
Voluntary Benefits
Auto & HomeAll full-time and part-time associates working 20 or more hours per week are eligible to participate in the group Auto and Home Insurance Program*. Your spouse and eligible dependent children residing in your household are also eligible, and you may enroll in coverage any time during the year. With the Auto and Home Insurance Program you can receive comparative quotes from some of the nation’s leading carriers for auto, homeowners’, renters’ insurance, and more.
*Homeowners’ insurance may be limited in the state of Florida.
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Retirement and Savings Plan – 401(k) PlanADP sponsors the 401(k) Plan to help you achieve your long-term financial goals. All regular full-time and part-time associates can enroll in the 401(k) Plan at any time during the year. Payroll deductions begin within two pay periods after you make your enrollment election.
The 401(k) Plan allows for before-tax, after-tax, and Roth contributions. ADP matches your contributions after 6 months of service.
More information about ADP’s 401(k) Plan is available on the Associate Portal. To access your personal account, visit the ADP 401(k) website. If you are a new associate you will receive a Welcome Letter with your login information in the mail shortly after you receive your first paycheck from ADP. Any questions regarding your 401(k) account can be directed to the 401(k) Service Center at 1-877-401-5237.
Pension PlanAll regular full-time and part-time associates hired on or before December 31, 2014 are also earning a benefit under the Pension Plan. The amount ADP contributes to your Pension account each year is based on your length of service and your pay. Annual accruals range from 2.1% to 10% of your base pay. The account earns interest each year based on the 10-year treasury rate for the month of September of the preceding year. For 2017, interest on account balances will be credited at 3.25%. You are vested in your Pension Plan benefit after you complete three years of service. When you retire, you can choose how you want to receive the money from your account.
To manage your ADP Pension Plan benefits, visit the Pension Plan website or for more information visit the Pension page of the Associate Portal.
Retirement
ADP Matching Contribution
Hired on or before December 31, 2014 Hired or rehired January 1, 2015 or later*
$.50 for every dollar you contribute, up to 6% of your pay$1.00 for every dollar you contribute, up to 6% of
your pay$.70 for every dollar you contribute, up to 6% of your pay (after 60 months of participation)
*Not eligible to receive a benefit from the Pension Plan
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Voluntary Wellness ProgramADP’s Voluntary Wellness Program emphasizes healthy eating, exercise and mental well-being to help associates live healthy and productive lives. ADP partners with Healthyroads, Inc., one of the nation’s largest health improvement companies, to help administer the ADP Wellness Program. This voluntary program, available to all regular full-time and part-time eligible associates who work 20 or more hours per week and spouses who are enrolled in an ADP Medical Plan, is designed to help you understand your health status, set realistic and achievable goals, and provide you with tools and resources to help you reach those goals. Take Healthy Actions throughout the year to ensure you will receive credit towards your 2018 ADP Medical Plan contributions. Deadline to earn the credit will be July 31st. More details about the 2017 Wellness Program will be provided in the coming months. Additionally, you can visit the Healthyroads website to access your health scorecard, lifestyle coaching, challenges, and other resources.
Wellness
On-Site Health & Wellness CentersADP offers free and confidential on-site medical services at some of our larger locations. ADP’s Health and Wellness Centers offer a wide variety of services including biometeric screenings, physicals, acute care, travel consultations, immunizations and wellness visits. Fully-equipped medical offices are staffed by physicians and nurse practitioners that are on-site daily. Services at the nine ADP Health and Wellness Centers are free of charge and available to all ADP associates. Learn more on the Associate Portal under ourCompany / ADP Central / Health and Wellness Centers.
Did you know...ADP offers an Employee Assistance Program (EAP) through Life’s Solutions. This is a free, confidential, voluntary, short-term counseling and referral service available to all full-time and part-time associates who work at least 20 hours per week and members of their immediate households. To learn more, visit www.achievesolutions.net/adpcpt or call 1-800-756-5792.
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Contact Information
ADP Resources
ADP Benefits Enrollment SystemLog on to the Associate Portal at https://myadp.adpcorp.com and follow the links for myLife/My Benefits/2017 Plan Information to access the ADP Benefits Enrollment System
HR & Payroll Resource Center• Health care benefits (health, life,
disability and other flexible benefits)
• Enrollment Questions
Submit a case:https://myadp.adpcorp.com/wps/myportal/main/ourCompany/SupportAndServices/HRPRCPhone: 1-877-237-4711 Fax: 1-855-565-2122
Pension Service CenterPhone: 1-844-237-7367 www.mercerbenefitscentral.com/ADPPension
401(k) Service Center Phone: 1-877-401-5237 www.401(k)adp.com
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Benefit Carrier Phone Website
Auto & HomeMetLife, Liberty Mutual, or
Travelers1-800-662-6840 voluntarybenefits-adp.com
Commuter Spending Account
ADP Consumer Health andSpending Accounts
1-800-882-7018 myspendingaccount.adp.com
Critical Illness Aflac 1-800-662-6840 voluntarybenefits-adp.com
Dental Aetna
Group #8002011-800-829-3685 www.aetna.com
Employee Assistance Program (EAP)
Life’s Solutions 1-800-756-5792 www.achievesolutions.net/adpcpt
Flexible Spending Accounts
ADP Consumer Health and Spending Accounts
Phone: 1-800-882-7018
Fax: 1-866-643-2219myspendingaccount.adp.com
Group Universal Life Prudential 1-800-662-6840 voluntarybenefits-adp.com
Health Savings Account ADP Consumer Health and Spending Accounts
1-800-882-7018 myspendingaccount.adp.com
UMB Bank 1-866-520-4472 hsa.umb.com
Legal Services Plan Hyatt Legal Plans 1-800-662-6840 voluntarybenefits-adp.com
Long Term Disability Prudential 1-877-237-4711 n/a
Medical AetnaGroup #800201
Network: Aetna Choice POS II (Open Access)
Option 1 and CDHP with HSA: 1-800-829-3685
www.aetna.com
UnitedHealthcare
Group #700563
Network: UnitedHealthcare Choice Plus
Option 1: 1-866-633-2474 CDHP with HSA: 1-800-864-9427
www.uhc.com
HMOs Refer to HMO Benefit Summarywww.myadp.adpcorp.com/ myLife / My
Benefits / 2017 Plan Information
Personal Accident Insurance
AIG 1-877-237-4711 n/a
Pet Insurance/Pet Discount Nationwide/Pet Assure 1-800-662-6840 voluntarybenefits-adp.com
Prescription Drug Express Scripts 1-877-723-4797 www.express-scripts.com
Vision VSP 1-800-877-7195 www.vsp.com
Wellness Program Healthyroads 1-877-330-2746 www.healthyroads.com
Contact Information
The 2017 Annual Benefits Enrollment Guide describes certain benefit plans as they apply to eligible associates. Complete details about the plans are in the legal plan documents. If there is any difference between the information provided in this Guide and the provisions of the legal plan documents, the plan documents govern. ADP reserves the right to terminate, suspend, withdraw, amend or modify any of the plans at any time for any reason.
