Page 3 - 2017 Employee Benefit Highlights

What’s inside this guide?
Benefit highlights

Table of contents Basic term life insurance and accidental death and
Medical benefits 3 Disability insurance 12 dismemberment insurance (AD&D)
Prescription drugs 6 Life insurance and AD&D 13 • Basic Life and AD&D – Epicor provides eligible full-time employees
HSA 7 401(k) retirement plans 14 with basic life and AD&D insurance through Cigna equal to one
Wellness program 8 Assistance programs 15 times your annual base salary, up to a maximum of $500,000.
Dental benefits 9 Easy answers 20 • Supplemental Life – You may elect to purchase additional group
Vision benefits 10 How to enroll in benefits 21 term life insurance through Cigna in increments of $10,000 up to
FSA 11 Ways to save 22
Required legal notices 23 seven times your annual base salary, not to exceed $1,000,000.
You are guaranteed to receive a specified amount of insurance (up
Medical – Epicor provides 4 medical options: Kaiser Permanente to $200,000 for employee and up to $25,000 for spouse) without
HMO plan (CA only), Anthem Blue Cross PPO plan and 2 Anthem Blue answering any health questions (Evidence of Insurability) at the time
Cross High Deductible Health Plans (HDHP 1500 and HDHP 2500). you are initially eligible for coverage.
• Supplemental Dependent Life – You may elect to purchase
Prescription drugs (PPO only) – The amount you pay for a covered supplemental life insurance through Cigna for your spouse in
prescription - your copay - will be determined by which formulary tier increments of $5,000 up to 100% of the employee amount.
the drug falls into. The formulary is a list of recommended generic and Children can be covered in increments of $2,000 up to a maximum
brand medications. Drugs on the formulary are grouped by “tiers.” If of $10,000.
you are receiving a prescription on a regular basis through a pharmacy, • Supplemental AD&D – You may elect to purchase supplemental
why not save some time and money by getting those medications AD&D insurance through Cigna in increments of $10,000 up to
through the mail order or Retail90 programs? seven times your annual base salary, not to exceed $1,000,000.
• Supplemental Dependent AD&D – You may elect to purchase
Health Savings Account (HSA) – Participants in a HDHP plan supplemental AD&D insurance through Cigna for your spouse
may set aside up to $3,400 per individual/$6,750 per family into in increments of $5,000 up to 100% of the employee amount.
your HSA via payroll deductions to help you pay for qualified health Children can be covered in increments of $2,000 up to a maximum
care expenses. An additional “catch-up” of $1,000 is allowed if you of $10,000.
are 55 years old by December 31, 2017. And, Epicor will add periodic
contributions to your account! 401(k) retirement plans – The 401(k) plans, administered by Fidelity
Investments, includes a company matching contribution and numerous
Dental – The Delta Dental PPO dental plan provides benefits with the investment options to help you save for retirement.
freedom of seeing any dentist you choose. Your benefits will be greater
when you receive care from an in-network dentist. Assistance programs
• Accidental Injury insurance – Offered by Cigna, Accidental Injury
Vision – VSP Vision Care plan provides coverage for eye exams and new pays benefits directly to you in the event of a covered accident.
lenses and frames (or contacts) once each year from participating providers. How you use the money is up to you.
• Critical Illness insurance – Offered by Cigna, Critical Illness pays
Flexible Spending Accounts (FSA) a lump-sum cash benefit that can help handle expenses if you or a
• Health Care FSA – You may set aside up to $2,600 pre-tax per year covered family member is diagnosed with a covered condition.
to pay for eligible health, dental and vision care expenses. • Castlight Health – Online tools help you find affordable, quality
• Dependent Care FSA – You may pay dependent care expenses of up health care for you and your family.
to $5,000 per year on a pre-tax basis. • Health Advocate – Personal Health Advocates handle a range of
• Limited Purpose FSA – If you enroll in the HDHP HSA medical plan, clinical and health care insurance issues.
you may also enroll in a Limited Purpose FSA (LPFSA) for eligible • Employee Assistance Program (EAP) – Offered by Cigna, EAP is a
dental and vision expenses, up to $2,600 per year on a pre-tax basis. counseling service dedicated to assisting employees and their family
members through a period of personal difficulty.
Disability insurance • Legal advice – Offered by ARAG, with UltimateAdvisor® you can
• Short-term Disability (STD) – Epicor’s 100% company-paid plan utilize online resources, telephone advice and in-office services to
covers 60% of your weekly base earnings up to $2,308 per week prevent and resolve every day legal and financial issues.
after a seven day illness or injury waiting period. • Commuter benefit – You may set aside pre-tax dollars to pay for
• Long-term Disability (LTD) – Epicor’s 100% company-paid plan qualified commuter or parking expenses up to a monthly limit of
covers 60% of your base monthly earnings, up to $10,000 per month . $255 for transit expenses and $255 for parking expenses.
• No federal taxes will be deducted. Depending on where you live, you • Pet discount – Receive discounts on your pet care — every pet is
may be subject to state taxes.
covered at participating providers. 2