Page 3 - The Raymond Group Supplemental Benefit Guide
P. 3

WELCOME!







         The Raymond Group is proud to offer comprehensive, high-quality benefits at a reasonable cost. We’ve designed our benefits to
         give you choices so you can pick the benefits that are best for you and your family. The Raymond Group benefits are broken into
         two major categories:

            Core Benefits
            Plans and programs available to you:
                •   Medical HMO through Kaiser (Southwest Carpenters Health and Welfare Trust) OR
                •   Medical PPO through Anthem Blue Cross (Southwest Carpenters Health and Welfare Trust)
                       •   These medical options include Dental & Vision through UnitedHealthcare (UHC)
                •   We will also give you an option to purchase and enhanced Dental PPO plan through the Standard
                •   We also offer employees Basic Life/AD&D and Long Term Disability which includes valuable resources and tools that
                    will help you and your family
                •   Flexible Spending Account (FSA)

            Supplemental Benefits
            You may purchase additional insurance that will help to cover additional out-of-pocket expenses.  The Raymond Group offers
            a wide range of insurance policies that pay benefits to you! These UNUM policies offer direct-to-the-policyholder cash payouts
            to help cover what other insurance doesn’t. Your premiums are paid through payroll deductions on an after-tax basis.



                     This package contains 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



                   Benefits at a Glance                   4        Life/AD&D                             14


                   Eligibility & Enrollment               5        Disability                            15

                   Employee Contributions                 7        Flexible Spending Accounts            16

                   Employee Assistance Program            8        Travel Assistance                     17


                   HealthChampion                         9        ID Theft                              17

                   Medical Plans Overview                10        Supplemental Benefits                 18


                   Dental & Vision Plan                  12        Annual Notices                        19

                   Enhanced Dental Plan                  13        ACA                                   19

                                                                   Carrier Contacts                      20



                                                                                               Employee Benefits      3
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