Page 2 - Pathway EE Guide 06-20

Welcome to Pathway Capital Management!

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 ………………………………………… 2 Disability Insurance ………………………………………….... 15

Enrollment Information ……………………………………….. 3 Flexible Spending Accounts ………………………………… 16
Resources and Contacts ….………………………………….. 4 Travel Assistance Program …………………………………. 17
Medical Insurance ……………………………………………….. 5 Retirement Savings …………………………………………….. 17
Dental Insurance …………………………………………………. 13 Supplemental Benefits ……………………………………….. 17

Vision Insurance ………………………………………………….. 14 Paid Time Off ……………………………………………………... 18
Employee Assistance Program …………………………….. 14 Employee Contributions ……………………………………... 19

Life and AD&D Insurance …………………………………... 15

IMPORTANT INFORMATION

ACA Annual Notices

The Affordable Care Act (ACA)’s penalty for not having health coverage Pathway’s plans are partially arranged by Pathway
(known as the individual mandate) has been eliminated. However, if and governed by its plan rules and documents.
you are a taxpayer in California, Massachusetts, New Jersey, Vermont Various state and federal laws require that
or the District of Columbia, you will be required to have health employers provide disclosure and annual notices
coverage (unless you qualify for an exemption) or pay a penalty for the to their plan participants.
2020 tax year – these states have an individual mandate requirement.
The following is a list of the annual notices:
You may consider these options below to satisfy this requirement: • Medicare Part D Notice of Creditable
• Enroll in a medical plan offered by Pathway or another group Coverage
medical plan meeting the requirements for minimum essential • Women's Health and Cancer Rights Act
coverage; (WHCRA)
• Purchase coverage through a health insurance marketplace; • Newborns’ and Mothers’ Health Protection
• Enroll in coverage through a government-sponsored program if Act
eligible. • Special Enrollment Rights
• Medicaid & Children’s Health Insurance
If you choose to purchase coverage through the marketplace, because Program
Pathway’s medical plans are considered affordable and meet minimum • HIPAA Notice of Privacy Practices
value under the Affordable Care Act, you may not be eligible for a • Summary of Benefits and Coverage (SBC)
subsidy, and you may not see lower premiums or out-of-pocket costs
through the marketplace. In addition, employer contributions to your Pathway distributes annual notices to new-hires,
medical benefits will be lost, and your portion of medical premiums will and each year during open enrollment. You may
no longer be paid via payroll deductions on a pre-tax basis. also request a copy by contacting the Human
Resources Department.

For More Information
Go to www.healthcare.gov.

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