Page 2 - AONNH19

Table of Contents

Your 2019 Benefits Guide . . . . . . . . . . . . . . . . . . . . . . . .3

Medical and Pharmacy Benefits . . . . . . . . . . . . . . . . . .4

Dental . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Vision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6

Flexible Spending Accounts . . . . . . . . . . . . . . . . . . . . .7

Flexible Spending Worksheet . . . . . . . . . . . . . . . . . . . .9

Life and AD&D Insurance . . . . . . . . . . . . . . . . . . . . . .10

Employee Assistance Program by New Directions . .11

Cigna Short Term Disability . . . . . . . . . . . . . . . . . . . . .12
Cigna Long Term Disability . . . . . . . . . . . . . . . . . . . . . .13

Cigna Voluntary Benefits . . . . . . . . . . . . . . . . . . . . . . .14

401(k) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20

Paid Time Off . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21

How to Enroll in Your Benefits . . . . . . . . . . . . . . . . . .22

Frequently Asked Questions . . . . . . . . . . . . . . . . . . . .23

Questions About Your Benefits? . . . . . . . . . . . . . . . .28

Open Enrollment Presentation

You can access the 2019 benefit video via the link
www.brainshark.com/LocktonSTL/19AONOE . Be sure to view the
attachments tab of the enrollment presentation for access to many
documents, including the enrollment guide, annual notices, and
much more .

2 2019 Benefits Enrollment