Page 2 - Marcus & Millichap Benefit Guide 2019-2020

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 Supplemental Insurance ………………………..………………. 15
Enrollment Information …………………………………………... 3 Accident Insurance ………………………………………………… 15
Medical Benefits ……………………………………………………... 4 Flexible Spending Accounts ……………...…………………... 17

Dental Benefits …………………………….…………………………. 9 Commuter Benefits…………..……………………………………. 18
Vision Benefits …..………………………….……………………….. 11 401K Retirement Plan …………...……………………………... 18
Life and AD&D Insurance ……………………………………….. 12 Long Term Care Benefits ……………………………………….. 19

Short Term Disability Insurance ……………………………... 12 Gym Membership Benefits…………………………………….. 19
Long Term Disability Insurance ……….……………………... 13 Contributions…………………………………………………………. 20
Travel Assistance ...…………..……………………………………. 13 Resources and Contacts ….…………………………………….. 22
Employee Assistance Program …………………………….... 14

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 mandate is no longer effective 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 Marcus & Millichap or another group plan
• Purchase coverage through a health insurance marketplace
• Enroll in coverage through a government-sponsored program if eligible
Because Marcus & Millichap’s medical plans are considered affordable and meet minimum value under the Affordable Care
Act, 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. To learn more about the ACA,
visit www.healthcare.gov.

Annual Notices

Various 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 MMWEB for you to download and read at your
convenience. Annual notices include the following:

 Medicare Part D Notice of Creditable Coverage  Special Enrollment Rights
 Women's Health and Cancer Rights Act (WHCRA)  Medicaid & Children’s Health Insurance Program
 Newborns’ and Mothers’ Health Protection Act  HIPPA Notice of Privacy Practices
 Summary of Benefits and Coverage (SBC)

Log into MMWEB > Departments > Human Resources > Page to view benefits information such as plan sum-
maries, benefits coverage details (SBC’s), annual notices, evidence of coverages (EOC’s) and more.

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