Page 2 - Flyer Employee Benefits Brochure - Final 2021 OOS w_compliance notices

Flyer Defense
2021–22 Employee Benefits Brochure

2021-22 Employee Benefits

Your benefits are an important part of your overall compensation. We are pleased to offer a comprehensive array of
quality benefits to protect your health, your family and your way of life. This brochure was designed to answer some of
the basic questions you may have about your benefits. Please read it carefully along with any supplemental materials
you receive.

Eligibility
You are eligible for benefits if you are regularly scheduled to work 30 or more hours per week. You may also enroll your
eligible family members under certain plans you choose for yourself.

Eligible family members include:

 Your legally married spouse
 Your Domestic Partner (DP) and their children, where applicable by state law
 Your children (up to the age of 26) who are your natural children, stepchildren, adopted children, or children for
whom you have legal custody (age restrictions may apply). Disabled children age 26 or older who meet certain
criteria may continue your health coverage.

When Coverage Begins
You must complete the enrollment process within 60 days of your date of hire.
If you enroll on time, coverage is effective on the first day of the month following 60 days from your date of hire. If you
fail to enroll on time, you will not have benefits coverage (except for company-paid benefits). Choose Carefully!

Due to IRS regulations, you cannot change your elections until the next annual Open Enrollment period, unless you have
a Qualifying Event during the year. Examples of the most common Qualifying Events are:

 Marriage or divorce
 Birth or adoption of a child
 Child reaching age 26
 Death of a spouse, DP, or child
 Change in child custody
 Change in coverage made by your spouse/DP during their employer’s Open Enrollment period
 You lose coverage under your spouse’s/DP plan

To Make Changes to Your Benefit Elections
You must contact Human Resources within 31 days of the qualifying event (including newborns).
Be prepared to show documentation of the event such as a marriage license, birth certificate, or a divorce decree. If
changes are not submitted on time, you must wait until the next Open Enrollment period to make your election changes.

Important Note
This booklet provides a summary of the benefits available but is not your Summary Plan Description (SPD). The Company
reserves the right to modify, amend, suspend, or terminate any plan at any time, and for any reason without prior notification.
The plans described in this book are governed by insurance contracts and plan documents, which are available for examination
upon request. We have attempted to make the explanations of the plans in this booklet as accurate as possible. However,
should there be a discrepancy between this booklet and the provisions of the insurance contracts or plan documents, the
provisions of the insurance contracts or plan documents will govern. In addition, you should not rely on any oral descriptions
of these plans, since the written descriptions in the insurance contracts or plan documents will always govern.

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