Page 3 - Ria Benefits Guide 2020 FINAL Mid-Atlantic

WELCOME TO RIA!

At Ria, we recognize our ultimate success depends on our talented and dedicated workforce. We understand the
contribution each and every employee makes to our accomplishments and so our goal is to provide a comprehensive
program of competitive benefits to attract and retain the best employees available.

Through our benefits programs we strive to support the needs of our employees and their dependents by providing a
benefit package that is easy to understand, easy to access and affordable for all of our employees. This brochure will help
you choose the type of plan and level of coverage that is right for you.

You can also view each plan by accessing these documents under the Benefit Enrollment tab in the Employee Self Service
(ESS) portal in iSolved.

Ria benefits are broken into two major categories:

Core Benefits
Plans and programs automatically available to you at no cost

Benefit Choices
Plans and programs you can elect to join or purchase

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 Benefits in the HR department.

CONTENTS

Eligibility & Enrollment 4 Accident 17
Medical Plan Choices 6 Employee Assistance Program 18
Health Savings Account 9 Health Advocate 18
Additional Aetna Services 10 Flexible Spending Accounts 19
Additional Kaiser Services 11 Retirement Savings 20
Health Insurance Terms 12
Annual Notices 21
Dental Plan Choices 13
Online Enrollment 22
Vision Plan 15
Carrier Contacts 23
Life/AD&D 16
Holiday Calendar 24
Disability 17

Critical Illness 17

RIA EMPLOYEE BENEFITS 2020 3