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Identity Theft Protection
               idwatchdog.com


               Company paid identity theft protection through ID Watchdog offers employees peace of
               mind with proactive credit monitoring and rapid alerts. Coverage is available free for em-
               ployees and employees can purchase additional coverage and/or purchase coverage for
               their families.


               Flexible Spending Accounts
               myuhc.com

               Flexible spending accounts allow employees to set aside pretax money to pay for eligible
               healthcare and dependent care expenses within the calendar year.



                                                  •  Medical FSAs can be used to set aside money to pay
                                                     for  eligible  expenses  such  as  doctor  copays,
                                                     prescriptions and contact lenses.

                                                  •  Dependent  care  FSAs  can  be  used  to  set  aside
                                                     money to be reimbursed for qualifying child and elder
                                                     care expenses.










              Saving for Retirement



              Texas Mutual’s Generous Retirement Plan

              fidelity.com/atwork

              All Texas Mutual employees automatically receive a retirement
              contribution equal to 4% of their eligible pay beginning the first
              of the month following date of hire.

              Employees can save even more for retirement by contributing
              to their 401(k) plan. Texas Mutual provides a 100%  match  for
              each  $1.00  contributed,  up  to  and  including  6%  of  an
              employee’s  eligible  pay,  each  pay  period.  Employees  may
              make  pretax  and/or  Roth  after-tax  contributions  up  to  75%  of
              their eligible pay.

              Ownership of employer contributions builds on a five year vesting schedule.



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