TeamRoehl Employee Benefits Overview

• Employee Only
• Employee and Spouse
• Employee and Kids
• Family

• Deductible—The expense you are responsible to pay before the plan begins to pay for covered services. Our health plans have separate deductibles for health and pharmacy. Please note that deductibles do not cross accumulate when using in-network and out-of-network healthcare providers.
• Co-insurance—The percentage of eligible expenses that you will be required to pay for certain covered health services.
• Co-payments—A set amount that you will pay for certain covered health services. This amount is in addition to your deductible and co-insurance. Co-payments do not apply toward your deductible or out-of-pocket maximum.
• Out-of-pocket maximum—The maximum amount that you will pay each calendar year. Please note that out-of-pocket maximums do not accumulate between in-network and out-of-network healthcare providers. Your out-of-pocket maximum does not include co-payments that may apply to certain covered health services.

• Call Anthem BlueCross BlueShield at 844-300-2264 for non-emergency hospital questions, or if you have any concerns or questions regarding what may or may not be covered.

• Use the Anthem BlueCross BlueShield website (www.anthem.com). We encourage you to use the Anthem website to:           
  • Look up doctors in your area that participate in the network.
  • Find a network hospital.
  • Estimate fees.
  • Evaluate your health by completing a confidential Health Assessment.
  • Take advantage of discounted products and services like eyeglasses, health supplies, etc.
  • Obtain health and wellness information.
  • Get benefit details including the status of your claims.

• Use an in-network provider to save yourself and the plan from significant costs. If you go to a provider outside of the network, you will pay more for your deductible, your co-insurance and your co-payments. There’s a significant financial cost to you as well as to the plan for receiving services outside of the network. Doctors outside of our network have not agreed to limit their rates and may charge more for their services than our network maximums. Our plan may only pay up to 140% of the standard Medicare rate for the service and you’ll have to pay the difference. Please call Anthem at 844-300-2264 or visit them online at www.anthem.com if you need assistance finding a network doctor in your area.

• Use Emergency Room services only in emergencies. That may seem obvious, but all too often the kid with the runny nose or scraped knee ends up in the Emergency Room. Or, worse yet, people go there for routine care out of convenience. Emergency Room visits are typically 3 to 5 times more expensive than non-emergency room visits for the same problems. Most major clinics offer “Urgent Care” services for non-routine and non-emergency situations. Typically, they don’t require an appointment, and the services are still substantially less expensive than an Emergency Room. Make it a point to know which clinics in your area offer Urgent Care services and what the Urgent Care hours are. Of course, if you have an emergency, by all means go to the Emergency Room.

• Use our Flexible Spending Account (FSA) to lower the tax bite on dollars you’re using to cover healthcare expenses.

• Use LiveHealth Online to get connected with U.S. Board Certified doctors while on the go, right from your mobile device. Doctors can answer your questions, make a diagnosis and prescribe basic medications if necessary. To learn more, log onto livehealthonline.com or download the mobile app.

• Always call Anthem prior to any non-emergency hospital admissions. If you don’t call first, your coverage for the hospital stay will be reduced significantly.By properly managing your healthcare, including choosing doctors within the network, you can help keep costs down for you and for the plan.

Through Delta Dental
Our dental plan is designed to encourage prevention of serious dental problems by helping you pay the cost of routine diagnostic and preventive care, as well as to help pay the expense of major dental repairs or replacement of teeth when needed. Your spouse and dependents are also entitled to receive benefits under the dental plan. Your contribution is paid through pay deduction and will be paid with pre-tax dollars.
If you do not enroll at the time you are hired, you may enroll later during annual open enrollment or if you experience a qualifying event.

Through Avesis
The vision plan is designed to help cover the expense of exams, lenses, contacts, etc. Your cost will be paid through pay deduction and will be paid with pre-tax dollars. Your spouse and dependents are also entitled to receive benefits under the vision plan.
If you do not enroll at the time you are hired, you may enroll later during annual open enrollment or if you experience a qualifying event.

• Received medical treatment, care, services or advice.
• Took prescribed drugs or had medications prescribed.
• Experienced related or resulting symptoms or aggravations, which would be a reasonable cause for an ordinarily prudent person to seek diagnosis, care or treatment from a doctor or healthcare facility.

• We’ll pay $600 toward the cost of the machine (as long as you remain employed).
• You are responsible for the remaining balance of $780 as long as you remain employed. If you leave our employment, you assume full responsibility for the entire cost of the machine excluding the amount that you have already paid (i.e. $1,380 minus what you’ve already paid).

• You don’t have to pay your portion of cost in a lump sum. You can pay the portion of cost for the machine that is your responsibility through pay deduction. You’ll be offered this option at the time your treatment plan is developed.

• If you are enrolled (or become enrolled) in our health plan, we will apply $780 toward your health insurance deductible.

• Wireless monitoring—$68 per year enrollment fee. This allows our team of respiratory therapists to monitor your compliance, answer questions regarding treatment and provide additional assistance as necessary.

Basic

Supplemental Term Life Insurance.

ComPsych® GuidanceResources® is a no-cost assistance program that provides support, resources and information for personal and work-life issues. This program is available to Roehl employees as well as their dependents.

ComPsych® GuidanceResources® provides no-cost counseling services with experienced GuidanceConsultants® who will listen to your concerns and refer you to telephonic counseling and other resources. Our EAP also offers an online tool, GuidanceResources® Online, which can provide you with expert information on issues that matter to you.

To contact our Employee Assistance Program, call 877-533-2363 or log into www.guidanceresources.com and enter company ID MY5848i.
 

The Roehl 401(k) plan makes long-term saving easy and profitable in a number of ways:

• You can save from 1% to 40% of your wages.
• Your 401(k) savings are deducted from your paycheck on a pre-tax basis, lowering your current tax bill.
• You pay no income taxes on your 401(k) contributions, company profit-sharing contributions or any investment earnings as long as the money stays in the plan.
• You may choose to contribute after-tax dollars through a 401(k) ROTH account. Upon retirement age, all withdrawals from your ROTH account would be tax free.
• You decide how to invest your retirement savings from a number of investment funds.
• Because of the size of Roehl’s retirement plan we are able to offer mutual fund share classes with much lower management fees than we, as individual investors, have access to. The returns on the funds you are invested in are reported net of  these asset management fees.
• Through the loan provision, you may borrow up to 50% of your vested account balance as long as you remain employed with Roehl.

The Empower Retirement helpline is available Monday - Friday 7:00 a.m. to 9:00 p.m. central time at 888-846-4015. They can answer your questions and explain options even if you’re not yet enrolled in the plan. You can also review your account on the web at www.Empowermyretirement.com

Here is an overview of the plan provisions. Please refer to your Summary Plan Description (SPD) booklet for more detailed information. The SPD is sent to you upon your 401(k) eligibility date.

• Eligibility—You become eligible for the 401(k) program on the first day of the month following 60 days of employment.
• Enrollment—You will automatically be enrolled on the first of the month following 90 days of employment if you do not opt out or change your percentage.  A notice will be sent regarding this several weeks before the deduction begins.
• Pay deferrals—New employees will automatically be enrolled in the 401(k) plan at a rate of 4% of their gross pay. Each subsequent year on July 1, an automatic increase occurs of 1% (up to a maximum of 8%). You may elect to stop or change your deferral percentage at any time during the year. To do so, contact Empower Retirement listed above or log onto www.Empowermyretirement.com. Once you have made a change to your deferral percentage, any scheduled automatic deferral increases no longer apply to you. You will receive instructions on how to make these changes several weeks before your eligibility date.
• Catch-up provision—If you will be 50 years of age or older by December 31st, you are eligible to defer even greater amounts into your 401(k). Call the 401(k) Benefits Helpline for details.
• Investment of 401(k) contributions—You have many investment options, ranging from lower potential risk/return to higher potential risk/return. Investment changes can be made daily.  If you do not make an investment election, your 401(k) deferrals will default to your age appropriate T. Rowe Price Target Date fund.
• Loans—You may borrow money from your account. The minimum loan is $1,000 and the maximum is generally 50% of your vested account balance. The interest rate is the current prime rate plus one percent. Repayment of principle and interest is handled through payroll deduction. There is a $150 fee to handle the loan paperwork, which will be deducted from your loan check.
• Hardship withdrawals—In certain extraordinary circumstances you can withdraw money from your 401(k) account, provided you are still employed and under age 59½.
• In-service withdrawals – Once you reach the age of 59½ you may make one in-service withdrawal per year while still employed with the company.

Rollover

Rolling over your retirement savings account balance from your previous employer to our 401(k) Profit Sharing Plan & Trust could be a smart move! By consolidating your plans, you can manage your account at one location. You will find roll over forms by logging on to www.Empowermyretirement.com and then click on My Accounts, the select Plan Forms. 

Just complete the following four easy steps:

Step 1—Review the list below and determine the source of your rollover.

• Qualified retirement plan (pretax only, no after-tax)
• 403(b) plan
• 457 governmental plan
• Conduit IRA (Traditional IRAs consisting solely of amounts from a qualified retirement plan)
• Other IRA (Traditional IRAs only, no ROTH IRAs or educational savings accounts)
• Money you roll over must be part of an eligible rollover distribution. You cannot roll over hardship distributions, required minimum distributions and certain extended installment distributions. You cannot make in-kind rollovers or rollovers of company stock. If you have questions about what money may be rolled over, please contact Empower Retirement at 888-846-4015.

Step 2 - Request a distribution from your previous plan. 

Have the prior company or IRA provider mail the distribution check to your home address.

The check should be made payable to:

If the distribution from your prior plan was paid directly to you (i.e. the distribution check was made payable to you with taxes withheld and not to a rollover institution for your benefit), include a copy of the distribution statement that accompanied your check or include similar documentation from a financial institution showing the date, tax withholding and amount of the distribution. After-tax contributions are not allowed for an indirect rollover. Your rollover must be invested within 60 days from when you received the check. Please submit a certified check, cashier’s check or money order made payable to Empower Retirement. No personal checks are accepted.

Step 3 - Mail to Empower

Mail your completed rollover application, rollover certification and distribution check to:

Express Mail: 

If you have any questions, please call Empower Retirement at 888-846-4015.

For account information and investment education, visit us at www.Empowermyretirement.com.

Vacation

Holidays

• New Year's Day
• Memorial Day
• Independence Day
• Labor Day
• Thanksgiving Day
• Christmas DayIf you work on a holiday, you will be paid $60 holiday pay in addition to whatever you have earned for the day. If a holiday falls in a week that you are taking vacation, you will be paid for both the holiday and the vacation time.
  You must be available for work on the day before and the day after the holiday to receive holiday pay. Holiday pay eligibility for drivers in the HOMEtime Plus™ fleets (7-On/4-Off--7/On/3-Off and 14-On/7-Off) varies by fleet and work schedule. Employees on the 7/7 HOMEtime Plus™ fleet are not eligible for holiday pay.

Voluntary Accident Insurance

• More than 50 events that trigger benefits payments, including Fractures, Dislocations, Ambulance, and Physical Therapy, among others.
• Medical Fees Benefit
• Accidental-Death Benefit
• Hospital Admission Benefit
• Hospital Confinement Benefit
• Guaranteed-issue coverage (which means you may qualify for coverage without having to answer health questions)
• Portable coverage that allows you to retain coverage at the same rate if your employment status changes (with certain stipulations)The Aflac coverage described on this site is subject to plan limitations, exclusions, definitions, and provisions. For detailed information, please see the plan brochure, as this site is intended to provide a general summary of the coverage. This overview is subject to the terms, conditions, and limitations of the plan.
  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. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands.

Voluntary Critical Illness Insurance

• Lump-sum benefit for a covered critical illness such as: heart attack, stroke, major organ transplant, and Kidney failure (end-stage renal failure).
• Benefit for the same critical illness after the first when the two dates of diagnoses are separated by at least 6 consecutive months, and the new critical illness is not contributed to or caused by a critical illness for which benefits have been paid.The Aflac coverage described on this site is subject to plan limitations, exclusions, definitions, and provisions. For detailed information, please see the plan brochure, as this site is intended to provide a general summary of the coverage. This overview is subject to the terms, conditions, and limitations of the plan.
  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. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands.

Voluntary Universal LifeEvents Insurance

• Children’s Term: Covers newborns to age 23 and is convertible to Universal Life insurance without evidence of insurability.
• EZ Value*: Automatically raises your benefits to keep pace with your increasing needs, without additional underwriting.”* Benefits may not be available in all states or may be named differently. Please consult your policy for all details.
  1 Death benefit reduces to one-third at the latter of age 70 or the 15th policy anniversary. Issue age is 18-64. 2 The LTC/Convalescent Care Benefit is an acceleration of the death benefit and is not Long-Term Care Insurance. Payments reduce the death benefit. Benefits begin to pay after 90 days of confinement or services, and to qualify you must meet conditions of eligibility for benefits. Preexisting condition limitation may apply. In New York, once benefits begin, they cover the period retroactive to the first day you received care. 3 In Minnesota and New York, total benefits cannot exceed the death benefit amount.
  Plan Form GUL/IUL.205 is underwritten by Trustmark Insurance Company, Lake Forest, Illinois.
  In New York, IUL.205 NY R7-09; Convalescent Care Rider; HH/LTC.205 (I) NY ; ABR.205 (I) NY; and CT.205 (I) NY are underwritten by Trustmark Life Insurance Company of New York, Albany, New York.

• Marriage, divorce, or legal separation
• Birth, adoption of a child or qualified stated child support order
• Death of a family member
• Change in spouse’s employment status
• Involuntary loss of benefit coverage
• Ineligibility of a child (e.g., your child becomes “over-age”)If you experience one of these events and wish to make changes to your benefit coverage, you must call your Pay Services Representative within 30 days. After 30 days have passed, you will need to wait until the next open enrollment to make changes.

• Marriage, divorce, or legal separation
• Birth, adoption of a child or a qualified stated child support order
• Death of a family member
• Change in spouse’s employment status
• Involuntary loss of benefit coverage
• Ineligibility of a child (e.g., your child becomes “over-age”)If you experience one of these events and wish to make changes to your benefit coverage, you must call your Pay Services Representative within 30 days. After 30 days have passed, you will need to wait until the next open enrollment to make changes.