2021 Benefits, Perks & Beyond - Be well. Stay healthy. We've got you covered - Fisher Benefits
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Be well. Stay healthy. We’ve got you covered. 2021 Benefits, Perks & Beyond
PEACE OF MIND & SAVINGS
At Fisher Investments, we know how important it is to have
good, affordable health and group benefits. That’s why we offer
more than just a plan, we offer a package. Whether it’s health
care, income protection, retirement savings, or other benefits,
We make it
we’ve got you covered. affordable.
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.com
WHO IS ELIGIBLE?
Regular full-time employees or part-time employees
working a minimum of 30 hours per week are eligible
to participate in our insurance plans and all regular
employees, regardless of the hours worked, are eligible
to participate in the 401(k).
You can also cover your spouse or state registered
domestic partner, and child(ren) up to the age of 26.
WHAT IF THINGS CHANGE?
Your insurance plans will be effective through the end
of the calendar year. You can not make changes to your
coverage unless you have a qualifying life event, which
includes but is not limited to events such as marriage,
divorce, birth/adoption, loss of coverage on a group
plan, and relocation to a different coverage area.
All changes must be submitted through Workday within
31 days of the life changing event.
WHAT IS OPEN ENROLLMENT?
Open Enrollment is your once-a-year opportunity
to enroll or make changes to your benefit plans.
This includes not only adding new dependents, but
switching between medical plans as well.
Open Enrollment generally runs for several weeks in
November, with all plan changes going into effect on
January 1 of the following calendar year.
KNOW YOUR TERMS
Coinsurance: A percentage of costs you pay for covered
expenses after you meet the deductible.
Copay: A fee you have to pay for certain services, such as a
doctor’s office visit or prescription drug.
Deductible The amount you pay before the health plan will start
to pay its share of covered expenses.
Network: Doctors, pharmacists, hospitals and other health care
providers who make up the plan’s preferred providers. In-network
providers are always the most cost efficient for you.
Out-of-Pocket Maximum: The most you pay each year for
covered expenses. Once you reach the maximum, the plan pays
100% for covered expenses.
We make it
Preventive Care: Services you receive when you are not sick or
injured to ensure you stay healthy. Services include physicals, easy to get
screenings, and well-baby care.
great care.
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.com
YOUR We believe in providing you with affordable
and comprehensive coverage so you can be
BENEFITS your healthiest and happiest self.
AT A Fisher Investments is committed to
not only protecting your physical
GLANCE well-being, but your financial and
emotional well-being, too.
Choose the
benefits you want,
not the benefits
you can afford.
FIND ADDITIONAL PLAN INFORMATION ON WWW.MYFIBENEFITS.COM
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.com
YOUR MEDICAL AND PRESCRIPTION DRUG BENEFITS
We believe you deserve access to great doctors, hospitals and top quality medical care — without breaking the bank.
However, with the rising cost of healthcare, this continues to be a challenge for most. Fisher Investments exceeds these
challenges by allowing you to choose from a variety of medical plan options, all while paying 100% of the monthly
medical premiums for you and your family, regardless of the plan you select.
UHC Choice (EPO) UHC Choice Plus (PPO 500) UHC HSA Choice Plus (PPO 2250)
United Healthcare
Preferred Providers Non-Preferred Non-Preferred
Preferred Providers Preferred Providers
Only Providers Providers
Annual Deductible
Individual None $500 $500 $2,250 $2,250
Family $1,000 $1,000 $4,500 $4,500
Annual Out-of-Pocket Max
Individual $3,500 $3,000 $10,000 $3,000 $3,000
Family $7,000 $6,000 $20,000 $5,500 $5,500
Coinsurance None 20% 40% 20% 50%
Doctor’s Visit $20 copay $35 40% 20% 50%
Preventive Care $20 copay $35 Not Covered $35 copay Not Covered
$500 per day
Inpatient Hospital $250 copay + 20% 40% 20% 50%
($1,500 max)
Prescription Drug (30-day)
Tier 1 $10 copay $10 copay 25% + $10 copay $10 copay* 25% + $10 copay
Tier 2 $20 copay $20 copay 25% + $25 copay $25 copay* 25% + $25 copay
Tier 3 $35 copay $35 copay 25% + $35 copay $40 copay* 25% + $40 copay
Kaiser HMO Kaiser HSA-Qualified High Deductible Plan
Kaiser Permanente
CA & NW CA NW
Annual Deductible
Individual None $2,000 $2,000
Family $4,000 $4,000
Annual Out-of-Pocket Max
Individual $1,500 $3,000 $3,000
Family $3,000 $6,000 $6,000
Coinsurance None None 20%*
Doctor’s Visit $20 copay $30* 20%*
$0 copay $0 copay
Preventive Care $0 copay
(no deductible) (no deductible)
Inpatient Hospital $100 per day $250 per admission* 20%*
Prescription Drug (30-day)
Tier 1 $10 copay $10 copay* $10 copay*
Tier 2 $20 copay $30 copay* $20 copay*
*After deductible has been met
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.com
YOUR DENTAL AND VISION BENEFITS
We’re here to help keep you in tip-top shape, with your teeth and eyes being no exception. Our dental and vision
spending limits, out-of-pocket costs and flexibility put us at the top of the mark in our industry. As with the medical
insurance, Fisher Investments pays 100% of the monthly premium costs for you and your family. Smile bright
and see clearly — we’ve got you covered!
Guardian Dental Guardian Preferred PPO
Annual Deductible
Individual $25
Family Max $75
Annual Limit $2,000
Lifetime Limit Ortho $2,000
Save up to 40%
by choosing
Preventive 100%
a preferred
Basic Care 80% dentist!
Major Care 80%
Orthodonia 80%
To access your account, or to find an in-network dentist,
visit www.GuardianAnytime.com.
VSP Vision In-Network Coverage
Annual Deductible No Deductible
Exams 100%
$300 first pair* Get your first
Frames
$150 second pair* ($20 copay) pair of glasses
Single Lens, Lined Bifocal, for free!
Lined Trifocal and 100%
Polycarbonate Lenses
Contacts Up to $450*
Lens Fitting $60 copay
Scratch Resistant Coating 100%
UV Coating 100%
Tints 100% after $20 copay
Progressive Lenses 100% after $20 copay
Anti-Reflective Coating 100% after $20 copay
Lifetime Limit Lasik $500
To access your account, or to find a participating
VSP provider, visit www.vsp.com.
*Use your first pair and/or second pair frame benefit toward
contact lenses ($450 max benefit)
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.com
YOUR INCOME PROTECTION BENEFITS
In the event of an illness or disability, do you have enough savings to financially support yourself or your family? Does
your family depend on you for ongoing financial support? These are important questions to ask yourself when deciding
whether income protection benefits are right for you. You can purchase a variety of plans at group rates to provide
replacement income in the event of a disability, accident or death.
Voluntary Life and Accidental Death and Voluntary Disability Insurance
Dismemberment (AD&D) Insurance You have access to Short-Term Disability (STD) and Long-
You can elect voluntary life coverage for: Term Disability (LTD) insurance through The Hartford.
• Yourself: Increments of $10,000, up to a maximum of • Short-Term Disability: This benefit pays a portion
$1,250,000*; guaranteed issue amount of $250,000 of your income (tax-free) if you can’t work after 7
when first eligible. consecutive days of disability due to an eligible injury
• Your Spouse/Domestic Partner: Increments of or illness. If you live outside of California, this benefit
$5,000, up to a maximum of $625,000* (or 50% of your pays 60% of your wages, up to a maximum of $2,309
coverage; whichever is less); guaranteed issue amount per week and is offset by other sources of income, such
of $30,000 when first eligible. as state disability insurance. If you live in California, this
benefit pays up to 20% of your wages (on top of State
You can elect voluntary AD&D coverage for:
Disability Insurance) up to a maximum of $2,309 per
• Yourself: Increments of $25,000, up to a maximum of week, for a maximum of 13 weeks.
$750,000
• Long-Term Disability: This benefit pays a portion of
• Your Spouse/Domestic Partner: 50% of your your income (tax-free) if you continue to be disabled
coverage, up to a maximum of $375,000 for more than 90 days. LTD benefits provide you with
Please refer to the plan summaries, or your Workday profile for age- 60% of your wages, up to a $10,000 monthly maximum.
related rates. Evidence of Insurability (EOI) may be required for certain Benefits may be offset by other sources of income, such
life insurance amounts if you enroll after your initial eligibility period.
as state disability insurance.
Please refer to the plan summaries, or your Workday profile for age and/
or location related rates. Evidence of Insurability (EOI) will be required for
disability insurance if you enroll after your initial eligibility period.
For more information on any of the life and/or disability programs, go to myfibenefits.com.
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.com
FAMILY SUPPORT BENEFITS
Your family is part of our Fisher family and we’re here to help. Whether you are expecting your first child or adding to the
bunch, our goal is to provide the care and resources you need to help you balance your family life.
Primary Caregiver Parental Leave • Discounts on College Nannies, a high-quality nanny
placement service
In support of our growing families, Fisher offers an
8 week paid Primary Caregiver Parental Leave (PCPL) • Academic support and tutoring resources
benefit. This benefit allows primary caregivers to bond • Resources to find elder care, pet care, housekeeping
with their newborn or newly adopted child while and more.
receiving full or partial payment of their normal pay
for a designated period. Dependent Care Flexible Spending Account
A Dependent Care Flexible Spending Account (FSA)
Bright Horizons – Back-Up Care
is a pre-tax benefit account used to pay for eligible
Fisher Investments offers employees up to 10 days of dependent care services, such as pre-school, summer
emergency back-up childcare annually through Bright camp, before or after school programs, and child or
Horizons Back-Up Care. Bright Horizons Back-Up Care adult daycare. Depending on your income level, you
provides reliable, high-quality options for emergency may contribute up to $5,000 pre-tax dollars per year.
child-care situations with affordable co-pays. Care is
available same day or can be scheduled up to 30 days Adoption Assistance Benefits
in advance with a maximum of two consecutive Fisher Investments recognizes that employees may
days per use. build their families in different ways. In order to support
eligible employees, the firm offers up to $5,000 in
Additional Childcare Resources, Discounts
Adoption Assistance Benefits to help reimburse certain
and Family Support
medical and/or legal expenses in the successful
Bright Horizon Enhanced Family Supports program adoption of a child.
provides you with access to variety of additional family
support benefits. Maternity Support Program
Employees are eligible to receive: Looking to start or expand your family? Your health
insurance offers programs to help you and your baby
• Expedited waitlists and tuition discounts at Bright
reach a healthy, full-term pregnancy. Whether your
Horizons partner daycare centers
pregnancy is normal or high-risk, your health insurance
• Free premium access ($150 value) to Sittercity’s has resources to help you through it.
database of sitters
For more information on these benefits and services, please visit the Family Support page on
www.myfibenefits.com.
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.com
EMOTIONAL WELLNESS
Your emotional well-being is just as important as your physical well-being. Whether you’re feeling overwhelmed,
struggling with depression, or dealing with other personal issues, you have access to a variety of resources at your
fingertips. With the emotional wellness tools Fisher Investments offers, you’ll receive the personalized emotional
support you need, when you need it.
Ginger Emotional Support Employee Assistance Program
Through the Ginger app, employees and their dependents Through the Employee Assistance Program (EAP), you
(age 18 or over) have access to 24/7 unlimited and and eligible members of your household have 24/7 access
confidential on-demand emotional health support – to free, confidential counseling to help you address issues
all at no cost. Ginger helps you navigate all your life such as relationships, drug and alcohol abuse, financial
challenges through live coach chat, guided content, hardship, and general stress or depression. The EAP can
and video therapy* and psychiatry all from the privacy also assist with legal services, estate planning, financial
of your smartphone. Download the Ginger app on your planning and much more! The EAP service is available by
smartphone today to receive immediate support via text calling 800.964.3577.
or virtual visits.
Mental Health Benefits from Kaiser and UHC
Talkspace Each of our health plans through United Health Care
With Talkspace online therapy, UHC members can and Kaiser Permanente offer unlimited and confidential
regularly communicate with a licensed therapist 24/7, treatment and support for mental and emotional issues.
5 days per week, safely and securely from a phone Care is available both in person and virtually for a wide
or desktop. Find a therapist with an online matching range of behavioral health services including individual
tool and begin therapy* within hours. Download and family counseling and therapy, stress and anxiety
the Talkspace app on your smartphone or visit resources, medication management, plus more.
www.talkspace.com/connect to begin. *Regular co-pays apply
For more information on these benefits and services, please visit the Emotional Wellness page
on www.myfibenefits.com.
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.com
ADDITIONAL BENEFITS, PROGRAMS & TOOLS
Online Manage Account Feature Sherpa Cancer Program
• United Healthcare: Go to www.myuhc.com to find a UHC offers a designated customer service team for
doctor, refill a prescription, view claims, treatment, and cancer patients with non-clinical issues, such as clinical
coverage information, and more. questions and concerns, setting up appointments, and
• Kaiser Permanente: Go to www.kp.org to email your help with putting you in-touch with clinical and claims
doctor, schedule appointments, view lab results, refill experts. This service is aimed to make navigating a
a prescription, access claims, treatment history and difficult diagnosis a bit easier for you and your family. For
immunization records, and more. more information, contact UHC or your Benefits Team.
Mobile App Virtual Visits
• United Healthcare: Download the Health4Me mobile Life gets busy. Make the most of your time and your
app to access many of the great features offered on the health by scheduling a virtual visit with a doctor from
desktop site: view claims history, manage prescriptions, the convenience of your tablet, smartphone or home
locate a medical facility, and get one-touch access to computer at any time of the day and pay less than a
speak with a UHC advocate. regular office visit. For more information on scheduling
a visit, contact UHC or Kaiser, or a member of your
• Kaiser Permanente: Managing your healthcare just Benefits Team.
got easier with features such as messaging your
doctor, scheduling appointments, refilling prescriptions, Naturopathic Care
accessing your medical record, and finding the nearest Employees enrolled with United Healthcare or Kaiser
Kaiser location. Permanente Northwest are eligible to receive care from
Mail Order Pharmacy participating naturopathic doctors at the same cost
as a regular office visit. Naturopathic doctors combine
Spending unnecessary time and money by making holistic healing with the expertise and training of modern
monthly trips to the pharmacy? Through the mail order medicine to bring you an alternative way to receive your
pharmacy program, offered by both UHC and Kaiser, you medical care.
can receive a three month supply of medications mailed
directly to your door for the cost of a two-month supply. Chiropractic & Acupuncture
For more information, go to www.myuhc.com or All of our medical plans offer chiropractic and
www.kp.org. Enroll today! acupuncture coverage, which allow you to receive an
Health Care Cost Estimator alternative form of treatment to address both temporary
and chronic issues. Refer to your benefit plan document
Estimate your out-of-pocket costs for many of the most or medical comparison for specific co-payment.
common medical exams, tests and procedures. The information.
estimates take into account what’s covered by your
health plan and how much you’ve spent so far for care.
Kaiser members can access the estimator on
www.kp.org and UHC members can access the tool
on the mobile app, Health4Me.
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.comADDITIONAL BENEFITS, PROGRAMS & TOOLS
Health Savings Account Paid Time Off (PTO)
You are eligible to open a health savings account (HSA) We believe in giving our employees the time they need to
if you are enrolled in one of the high deductible medical attend to their personal lives. Whether that’s for doctor’s
plans. Use the funds to help pay for qualified medical appointments, visiting loved ones, or relaxing on a sandy
expenses with pre-tax dollars that roll over each year. beach, we’ve got you covered. All full-time employees*
Additionally, the company will match your contributions and part-time employees working a minimum of 35 hours
up to $1,125 per year for individual coverage and per week are eligible to accrue up to 20 days** of paid
up to $2,250 per year for family coverage. For more time off (PTO) per calendar year.
information, visit www.healthsavings.com. *Please note that outside and/or home based sales employees are not
eligible for PTO.
Travel Assistance **Starting accrual is up to 20 days per year. Employees working 5+
years accrue up to 21 days per year, and employees working 10+ years
When traveling for business or leisure 100 miles or more accrue up to 23 days per year.
from home, you can get help with a variety of services, ***California employees accrue 17 days of PTO and receive 3 days of
including emergency travel arrangements, lost or stolen sick time per year.
travel documents, embassy and consular assistance,
emergency medical evacuation and transportation at no
Emergency Travel Coverage
cost to you through Europ Assistance USA by calling Our United Healthcare and Kaiser plans cover life or limb
800.243.6108. threatening emergencies at out-of-network hospitals
anywhere in the world. If you are unsure whether or not
Holidays your condition qualifies as an emergency, you should
Observed holidays are generally days that the New York contact the customer service number printed on the back
Stock Exchange is scheduled to be closed for a full day. of your ID card.
Regular full-time employees and part-time employees
working a minimum of 35 hours per week are eligible Corporate Perks
for holiday pay. Enjoy corporate rates on everything from everyday
purchases to large ticket items on this one-stop-shop
platform. Whether you’re shopping for electronics,
apparel, travel, fitness, movie tickets, or anything else,
Corporate Perks makes it easier than ever to save. All
employees are eligible to save by signing up on
www.perksatwork.com.
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.comUNDERSTAND
THE VALUE
OF YOUR
BENEFITS
When evaluating your total compensation package, it’s
important to look beyond than what’s deposited into
Employers in
your bank account. Remember to factor in the 100%
our industry
employer-paid medical, dental and vision coverage, as
only cover an
well as our 50% 401(k) matching contributions,
average of 76%
and other benefits.
of premiums*
DO YOU WANT TO KNOW THE VALUE OF YOUR BENEFITS? VIEW YOUR
EMPLOYEE PROFILE IN WORKDAY TO COMPARE THE MONTHLY COSTS.
*According to the 2018 Mercer benefits survey data
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.com2021 BENEFIT PREMIUM COSTS
The rates below represent the monthly benefit premiums being covered by Fisher Investments. Regardless of the plan
you choose, Fisher Investments is picking up 100% of the cost.
UHC HSA
United Healthcare UHC Choice UHC Choice
Choice Plus
(UHC) (EPO) Plus (PPO 500)
(PPO 2250)
Single $609 $590 $499
Employee + Child(ren) $1,157 $1,119 $950
Employee + Spouse $1,340 $1,296 $1,098
Employee + Family $1,887 $1,826 $1,549
Kaiser Permanente Kaiser CA HMO Kaiser CA HSA Kaiser NW HMO Kaiser NW HSA
Single $503 $395 $503 $395
Employee + Child(ren) $931 $731 $931 $731
Employee + Spouse $1,072 $842 $1,072 $842
Employee + Family $1,612 $1,253 $1,612 $1,253
Guardian Dental &
Dental & Vision
VSP Vision
Single $71 Your Annual Savings!*
Employee + Child(ren) $169 Single Person: $8,160
Employee + Spouse $147 Employee + Child: $15,192
Employee + Family $251 Employee + Spouse: $17,844
Family: $25,656
*Estimates based on the United Healthcare
EPO plan, plus the Guardian Dental and VSP
Vision plans.
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.comSAVING With Fisher covering all of your
major healthcare premiums,
FOR YOUR why not invest those dollars
in your future? We’re here
RETIREMENT to help you do it.
STARTS Our 401(k) plan offers the options you need
to meet your retirement goals with features
NOW
such as pre-tax and Roth contributions,
additional after-tax contributions, low cost
fund options, investment flexibility and
employer-paid account fees.
Let us help!
We’ll match you
50% on every
dollar, up to
the IRS limit!
FIND ADDITIONAL PLAN INFORMATION ON WWW.MYFIBENEFITS.COM.
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.comWHAT OUR 401(K) PLAN MEANS
TO YOUR RETIREMENT
Employees at Fisher Investments are not only encouraged, but given an incentive to participate in the firm’s 401(k)
program with a very attractive 50% match on all contributions. It’s no wonder our plan ranks in the top 15% of our
peer group* and nearly 90% of our employees participate in the plan.
Being a Fisher $5,000,000
$4,500,000
Investments $5,000,000
$4,000,000
$4,500,000
employee $3,500,000
Account Value
$4,000,000
$3,000,000
could mean a $3,500,000
$2,500,000
Account Value
difference $3,000,000
$2,000,000
$2,500,000
$1,500,000
of over $2,000,000
$1,000,000
$950,000 $1,500,000
$500,000
at retirement. $1,000,000 $0
10 20 30 40
$500,000
Years with Company
$0
Fisher Competitor
10 20 30 40
Examples assume the employee
Yearscontributes the IRS limit of $19,500 a year
with Company
with 50% employer match from FI and a 50% employer match capped at 6%
of pay from the average competitor
Fisher and earns 6% average annual investment
Competitor
return. Returns are not guaranteed.
MAXIMIZE YOUR MATCH AND INVEST IN WHAT’S IMPORTANT. YOUR EVERYDAY
PURCHASES COULD MAKE A BIG IMPACT ON YOUR RETIREMENT SAVINGS.
$94,492 $251,977 $472,458
$94,492 $251,977 $472,458
Examples demonstrate the value of common, everyday purchases over the course of 30 years.
*According to Brightscope.
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.comWHERE TO GET INFORMATION
For Questions About: Contact Call Visit/Email
United Healthcare (UHC) UHC 888.585.4961 www.myuhc.com
Kaiser California Kaiser Permanente 800.278.3296 www.kp.org
Kaiser Northwest Kaiser Permanente 800.813.2000 www.kp.org
Dental Guardian 800.541.7846 www.guardiananytime.com
Vision VSP 800.877.7195 www.vsp.com
www.thehartford.com/
Life Insurance and AD&D The Hartford 800.547.5000
employeebenefits
www.thehartford.com/
Short-Term Disability The Hartford 800.547.5000
employeebenefits
www.thehartford.com/
Long-Term Disability The Hartford 800.547.5000
employeebenefits
401(k) Charles Schwab 800.724.7526 www.schwab.com/workplace
ComPsych through www.guidanceresources.com
Employee Assistance Program (EAP) 800.964.3577
The Hartford Org ID: HLF902 Name: ABILI
Health Savings Account (HSA) Health Savings Administrators 888.354.0697 www.healthsavings.com
Flexible Spending Account (FSA) Basic Pacific 800.574.5448 www.basicpacific.com
Europ Assistance USA idtheft@europassistance
Travel Assistance 800.243.6108
through The Hartford usa.com
General Benefits Information Benefits Team 650.350.5886 benefitsservices@fi.com
Download the Ginger Emotional
Ginger Ginger 855.446.4374 Support app to your smartphone
or email at help@ginger.io
https://clients.brighthorizons.
Bright Horizons Bright Horizons 877.242.2737
com/FisherInvestments
This document is for communication purposes only. Should any discrepancy exist between this document and the
official plan documents, contracts or Employee Manual, the official plan document, contracts or Employee Manual will
govern. This document is not an offering of employment or guarantee of benefits eligibility.
(650) 350-5886 • benefitsservices@fi.com • myfibenefits.comYou can also read
