Page 2 - NickCo Hospitality_2019 EE Benefits Guide_Mgmt_Working_11.27.pub

Welcome to your Benefits for Nick’s Restaurants!

This guide provides a summary of your benefit op ons and is designed to help you make choices and enroll for coverage. If you
would like more informa on about any of the benefits described here, please contact the Home Office.

Contents

Important Informa on ………………………………………… 2 Life and AD&D Insurance …………………………………... 9
Enrollment Informa on ……………………………………….. 3 Travel Assistance ………………………………………………… 9

Medical Insurance ……………………………………………….. 4 Online Service Assistance…………..………………………. 9
Dental Insurance …………………………………………………. 7 Online Benefits Enrollment …………………………………. 10
Vision Insurance ………………………………………………….. 8 Your Monthly Contribu ons ………..…………………….. 10

Employee Assistance Program …………………………….. 8 Resources and Contacts ….………………………………….. 11

IMPORTANT INFORMATION

The Affordable Care Act and You

The Affordable Care Act (ACA) requires applicable large employers to make affordable coverage available to their employees or risk
paying a penalty. Although the individual penalty is no longer valid, it is important that you understand your op ons for health
insurance coverage as follows:

 Enroll in a medical plan offered by NickCo Hospitality or another group plan
 Purchase coverage through a health insurance marketplace
 Enroll in coverage through a government sponsored program

Because NickCo Hospitality’s medical plans are considered affordable and meet minimum value under Health Care Reform, you will
not generally see lower premiums or out‐of‐pocket costs through the marketplace. In addi on, employer contribu ons to your
medical benefits will be lost if you choose to purchase coverage through the marketplace, and your por on of medical premiums
will no longer be paid via payroll deduc ons on a pre‐tax basis.

For more informa on on your coverage op ons, please visit www.healthcare.gov.

Annual Notices

Various state and federal laws require that employers provide disclosure and annual no ces to their plan par cipants. Nick’s
Restaurants has posted all federally required annual no ces on PlanSource for you to download and read at your convenience.

The following is a list of the annual no ces:
 Medicare Part D No ce of Creditable Coverage
 HIPAA No ce of Privacy Prac ces
 Women's Health and Cancer Rights Act (WHCRA)
 Newborns’ and Mothers’ Health Protec on Act
 Special Enrollment Rights
 Medicaid & Children’s Health Insurance Program
 Summary of Benefits and Coverage

2