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Other savings opportunities ..................... 14
AFLAC cancer insurance ...........................................................................................14
Identity theft protection ...........................................................................................14
Pet insurance .................................................................................................................14
Pet prescription savings ............................................................................................14
Property and casualty insurance ...........................................................................15
Savings with Nissan/Infiniti, Dell, and AT&T ......................................................15

Texas Mutual retirement savings plan ... 16
Retirement savings plan summary .......................................................................16
Starting / changing / stopping contributions ...................................................16
Retirement plan beneficiaries .................................................................................16
Building ownership in your account ....................................................................16
Plan investments .........................................................................................................17

Disability benefits .......................................... 18
Disability management .............................................................................................18
Short-term disability .................................................................................................18
Long-term disability ..................................................................................................20
Supplemental long-term disability insurance ..................................................20

Family and Medical Leave Act................... 21
Job protection under FMLA .....................................................................................21
Qualifying events under FMLA ...............................................................................21
Applying for FMLA leave ...........................................................................................21

Ergonomics, incident reporting and
workers’ compensation ............................... 22
Ergonomics request ...................................................................................................22
Incident reporting .......................................................................................................22
Workers’ compensation .............................................................................................22
Benefit premiums while on workers’ compensation .....................................22

COBRA continuation of benefits .............. 23
When medical, dental and FSA coverage ends ................................................23
Employees and qualified beneficiaries notice requirements ......................23
Monthly COBRA premiums .....................................................................................24
COBRA qualifying events .........................................................................................25
Military service COBRA coverage...........................................................................26

Benefit contacts ............................................. 27

Employee Benefits Guide iii