Page 3 - 2022 Benefit Guide FIL

Table of Contents

Benefit Eligibility 1

Qualified Life Events & Enrolling in Benefits 2
Medical & Prescription Coverage 3-4

Health Savings Account 5

Voluntary Medical Insurance Policies 6
Dental & Vision Coverage 7-8

Flexible Spending Accounts 9

Advocacy and Transparency Services 10
Fives 401(k) Retirement Savings Plan & Business Travel 11

Life/AD&D & Disability Insurance Coverage 12-13

Identity Theft Protection 14
LiveWell@Fives – Health, Financial, EAP 15-16

Important Contacts, Terminology and Required Notices 17-20

Benefit Eligibility

Eligibility: As a Fives employee, you are eligible for most benefits
if you work at least 30 hours per week. Benefits are effective the
1 of the month following your date of hire unless your hire date is
st
the 1 of the month. Refer to the disability and retirement section
st
for eligibility periods on these benefits.

Eligible Dependents: You may enroll your eligible dependents for
coverage once you are eligible. Eligible dependents include your
legal married spouse and your children (including natural, step
children, legally adopted/ guardianship) through the month in which
they turn age 26.

Once your benefit elections become effective, they remain in effect
until the end of the year. You may only change coverage within 31
days of a qualified life event. If you terminate or retire from the
Company, benefits end on the last day worked.

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