Page 2 - MMCS Benefit Guide 2019 FINAL

Welcome to the Company’s Employee Benefits!

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 Human Resources or the Burnham
Advocate Help-Line.

Contents

Enrollment Information …………………………………………... 2 Buy-Up Long Term Disability Insurance……..……………. 14
Medical Benefits and Contributions……………………….... 4 Flexible Spending Accounts ……………...………………….... 15
Dental & Vision Contributions………………………………….. 9 401K Retirement Plan …………...……………….……………... 16
Dental Benefits …………………………….…………………………. 10 Education Reimbursement …………………………………….. 17

Vision Benefits …..…………………….…….……………………….. 11 Gym Membership Benefits…………………….……………….. 17
Life and AD&D Insurance ……………………………………….. 12 Important Information …………………………………………… 17

Company Sponsored Long Term Disability Insurance.. 13 Resources and Contacts ….…………………………………….. 18
Employee Assistance Program…………………………………. 13 Burnham Advocate Help-Line………………………………….. 19

Enrollment Information

Who May Enroll
If you are a regular full‐time employee consistently working 30 plus hours per week, you and your eligible dependents may
participate in the Company’s benefits program. Your eligible dependents include:
• Legally married spouse
• Registered domestic partner
• Children under age 26 regardless of student or marital status

When You Can Enroll

As an eligible employee, you may enroll at the following times:
• As a new hire, you must enroll in BSwift within 30 days from your date of hire. Your benefits will begin the first
of the month following date of hire
• Each year, during open enrollment
• Within 30 days of a qualifying life event as defined by the IRS (see Changes To Enrollment below)

Paying For Your Coverage
The Basic Life/Accidental Death & Dismemberment (AD&D), Core Long Term Disability, and Employee Assistance Program
(EAP) benefits are provided at no cost to you and are paid entirely by the Company. You and the Company share in the cost
of the Medical, Dental, and Vision benefits you elect. Any medical, dental, vision or flexible spending account benefits that
you elect will be paid by you and deducted before taxes are withheld which saves you tax dollars, resulting in more take‐
home pay for you. You cannot drop or change coverage unless you experience a qualifying life event. Any Voluntary Life, or
Long Term Disability Buy-Up benefits that you elect are deducted on a post-tax basis or after taxes are withheld.

Video – Learn About Medical Plan Terms
Medical plan terms, such as deductibles, copays, coinsurance and out-of-pocket maximums, can sometimes
be confusing. For a quick video that shows how these work, visit http://video.burnhambenefits.com/terms

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