Page 2 - Research Affiliates EE Guide 1-19

Welcome to Research Affiliates!

This guide provides a summary of your benefit options and is designed to help you make choices and enroll for coverage. If you
would like more information about any of the benefits described here, please contact our Human Capital Department.

Contents

Important Information ………………………………………… 2 Flexible Spending Account …………………………………. 12
Enrollment Information ……………………………………….. 3 Employee Assistance Program ……………………………. 13

Medical Insurance ……………………………………………….. 4 Employee Discount Program ………………………………. 13
Dental Insurance …………………………………………………. 9 College Tuition Rewards …………………………………….. 13
Vision Insurance ………………………………………………….. 10 Resources and Contacts ….………………………………….. 14

Life and AD&D Insurance …………………………………….. 11 Employee Contributions ……………………………………... 15
Disability Insurance …………………………………………..... 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 Although the individual penalty mandate is no longer in effect beginning January 1, 2019, it is important that you
understand your options for health insurance coverage. You may consider these options below:
• Enroll in a medical plan offered by Research Affiliates or another group plan
• Purchase coverage through a health insurance marketplace
• Enroll in coverage through a government sponsored program

Because Research Affiliates’ 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 addition, employer contributions to your
medical benefits will be lost if you choose to purchase coverage through the marketplace, and your portion of medical premiums
will no longer be paid via payroll deductions on a pre-tax basis.

For More Information
Go to www.healthcare.gov.

Annual Notices

Various state and federal laws require that employers provide disclosure and annual notices to their plan participants. Research
Affiliates has posted all federally required annual notices on MyRA for you to download and read at your convenience. The
following is a list of the annual notices:
• Medicare Part D Notice of Creditable Coverage
• Women's Health and Cancer Rights Act (WHCRA)
• Newborns’ and Mothers’ Health Protection Act
• Special Enrollment Rights
• Medicaid & Children’s Health Insurance Program
• HIPAA Notice of Privacy Practices

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