Page 2 - Marcus & Millichap Flipbook

Welcome to Marcus & Millichap!

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 a member of our Benefits Team:

 Debbie Borkovitz, Benefits Administrator—(818) 212-2253 / Debbie.Borkovitz@marcusmillichap.com
 Evelyn Rismann, Benefits Manager—(818) 212-2431 / evelyn.rismann@marcusmillichap.com
 Burnham Benefits Advocate Hotline—(800) 391-6812

Contents

Important Information ………………………………………… 2
Enrollment Information ……………………………………….. 3 Employee Assistance Program …………………………….. 10
Medical Insurance ……………………………………………….. 4-6 Supplemental Insurance ………………………..…………… 11

Dental Insurance …………………………………………………. 7 401 K Retirement Plan …………...……………………………. 11
Vision Insurance ………………………………………………….. 8 Commuter Benefits…………. ………………………………… 11
Life and AD&D Insurance …………………………………….. 9 Flexible Spending Accounts ………………………………… 12-13

Short Term Disability Insurance ………………………….. 9 Contributions………………………………………………………. 14-15
Long Term Disability Insurance …………………………… 10 Resources and Contacts ….………………………………….. 16-17

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 Marcus & Millichap 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 Marcus & Millichap’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 or possibly be eligible for a subsidy. 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 on your coverage options, please visit www.healthcare.gov.

Annual Notices

ERISA and various other state and federal laws require that employers provide disclosure and annual notices to their plan
participants. Marcus & Millichap has posted all federally required annual notices on the ADP Employee Self-Service website 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
 HIPAA Notice of Privacy Practices
 Women's Health and Cancer Rights Act (WHCRA)
 Newborns’ and Mothers’ Health Protection Act
 Special Enrollment Rights
 Medicaid & Children’s Health Insurance Program

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