Page 2 - Interactive Brokers - 2017 Open Enrollment

Your Bene ts @ A Glance
Bene ts Overview
IBG is proud to offer a comprehensive bene ts package to eligible employees. Bene ts are available the rst of the month following your date of hire. This document provides a quick overview of your bene ts. Your complete bene ts package
Medical: CIGNA Open Access Plus Plan
Retirement Bene ts: Fidelity 401(k)
Employees can contribute between 1% and 15% of eligible pay up to annual IRS dollar limits. Discretionary employer match is 50% of your pay period contribution up to 5% of your gross salary.
Flex Spending Account (FSA): CIGNA
• Healthcare Spending Limit: $2,600 per employee
• Dependent Care Spending Limit: $5,000 per household
Commuter Bene ts: ADP
• The pre tax limit for both parking and transit is $255 per month each • Employees can contribute on a post tax basis without limitations
Short-Term Disability: Liberty Mutual
• Begins 1st day of injury; 8th day of illness
• Company paid: 50% of weekly salary up to $500
• Employee paid options: $750/$1,000/$1,500 weekly maximum
Long-Term Disability: Liberty Mutual
• Company paid: 2⁄3 of salary up to $4,000 monthly maximum
• Employee paid: 60% of salary up to $10,000 monthly maximum
Life & AD&D Insurance: Liberty Mutual
IBG provides basic term life insurance for all full time eligible employees. Voluntary employee, spouse, and child life coverage available.
Voluntary Bene ts: MetLife
• Critical illness • Auto & Home insurance • Hyatt Legal
PERSONAL
Paid Time Off
Employees must schedule and receive approval from his/her manager.
is located on ADP's Workforce Now portal.
• No deductible in-network
• Out-Of-Pocket Max: $2,000 indv.— $4,000 fam. in-network
• Adult Preventative Care - 100% covered
• Well Child Care (up to age 18) - 100% covered
• Primary Care Visit - 10% coinsurance
• Specialty Care Of ce Visit - 10% coinsurance
• Urgent Care - $50 copay
• Emergency Room - $150 copay (waived if admitted)
• Pharmacy Copay Retail - $4 / $20 / $40
• Cigna Vision Exam allowance – Up to $45 (24 month frequency)
• Cigna Vision Materials allowance – Up to $150 (24 month frequency)
Dental: CIGNA PPO
• Annual deductible (in/out-of-network) $50 indv. - $150 fam. • Annual Bene t Max (in/out-of-network) $1,500
• Preventive Dental - 100%; no deductible
• Basic Dental - 80% In-Network & Out-of-Network
• Major Dental - 50% In-Network & Out-of-Network
• Orthodontia Services (Adults & Children)
50% (in/out-of-network) —$1,500 Lifetime Max.
Dental: CIGNA DMO
Please review Patient Charge Schedule located on ADP's portal.
Voluntary Vision Bene t: EyeMed
• Eye Exam - In-Network $10 copay
• Lenses - Ranging from $25 to $130 in-network
• Frames - Member $0 copay, $150 allowance, 20% off balance over $150
• Contact Lenses (Conventional) In-Network, $0 copay, $150 allowance, plus 15% off balance over $150. (Disposable) $0 copay, $150 allowance
• Please nd the full bene t summary on ADP's portal for more detailed information and Out-of-Network coverage
Paid Holidays
• Jan. 2 — New Year’s Day OBS
• Jan. 16 — Martin Luther King Jr. Day
• Feb. 20 — President’s Day
• Apr. 14 — Good Friday
• May 29 — Memorial Day
• July 4 — Independence Day • Sept. 4 — Labor Day
• Nov. 23 — Thanksgiving
• Dec. 25 — Christmas
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Your link to IBG bene ts.
PHYSICAL
FINANCIAL