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Welcome to Trident University!

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 the Human Resources Department.

CONTENTS

Important Information ………………………………………… 3 Employee Assistance Program ……………………………. 13
Enrollment Information ……………………………………….. 4 Life and AD&D Insurance …………………………………... 14
Online Benefits Enrollment …………………………………. 5 Disability Insurance ………………………………………….... 14

Medical Insurance ……………………………………………….. 6 Flexible Spending Accounts ………………………………… 15
Dental Insurance …………………………………………………. 12 Employee Contributions ….………………………………….. 16-17

Vision Insurance ………………………………………………….. 13 Resources and Contacts ……………………………………... 18

IMPORTANT INFORMATION

THE AFFORDABLE CARE ACT AND YOU

The Affordable Care Act (ACA) requires nearly every American to be enrolled in medical coverage or pay a penalty. This is referred
to as the individual mandate. You have several options to satisfy this requirement:
• Enroll in a medical plan offered by Trident University or another group plan
• Purchase coverage through a health insurance marketplace
• Enroll in coverage through a government sponsored program
• Have no coverage and incur a tax penalty

Because Trident University’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 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. Trident
University has posted all federally required annual notices on our intranet 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
• Summary of Benefits and Coverage (SBC)

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