Benefits Guide 2023 ANNUAL ENROLLMENT - FMRbenefits
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2023 ANNUAL ENROLLMENT
Benefits Guide
How to make the most of your annual benefits enrollment and explore many
of the other benefits you can access all year long.
While Fidelity offers a broad portfolio of benefits to support your needs through-
out the year, there are some that you can only add, drop, and/or change during an
enrollment window (Annual Enrollment or a Qualifying Life Event):
Medical Dental & Vision Life
Coverage Coverage Insurance
See what’s new
in 2023 for
some of these Tax-Advantaged Disability Group Legal
benefits. Accounts Coverage Plan
Don’t forget to also check out other benefits you have access to anytime
as you prepare for the year ahead.
1Annual Enrollment—
What’s New in 2023
JUST THE HEADLINES FOR MORE INFO
Domestic Fidelity recognizes that associates choose to build families Refer to the FAQ for details on
in diverse ways, so Domestic Partnership eligibility will RDP coverage for your benefits,
Partnership expand, offering more opportunities to cover eligible loved including programs available,
Coverage ones. Associates can enroll their Registered Domestic Partner potential financial impact, and
(RDP) of the same or different sex, or children of their RDP, for more.
2023 coverage in most programs. Note, there may be additional
financial impact and tax implications for some benefits when
covering an RDP and/or child of an RDP.
All Medical Plans: Market health care costs continue to rise due to increased See the Medical Coverage
medical and pharmacy costs. Because of this, Medical Plan Information section below.
Rates & Changes premiums will increase slightly.
On NetBenefits®, talk to ALEX to
evaluate cost differences.
All Medical Plans: The prescription drug list of covered medications is updated Visit FMRbenefits.com to view
quarterly. CVS regularly updates its list of preferred medications the current formulary.
Prescription Drug (called the “formulary”). You can lower your prescription costs
Coverage when you switch to lower-cost brand or generic medications. Ask
your doctor whether a lower-cost option is available.
Fidelity Health If you are enrolled in the Fidelity Health Plan (FHP), your annual See the Tax-Advantaged
HSA contribution limit will increase to: Accounts section below.
Savings Account
•
$3,850 if you have Individual coverage. To see how much Fidelity
(HSA): Contribution contributes to your HSA, go to
•
$7,750 if you cover family members.
Limits FMRbenefits.com.
If you are contributing the maximum amount in 2022, your
contribution will automatically be increased to the new maximum Visit NetBenefits to enroll.
for 2023.*
*Participants who will be age 55 or older in 2023 and are contributing the
HSA maximum in 2022 will automatically be increased to the 2023 maximum
amount, including an additional $1,000 for catch-up contributions.
Flexible Spending Set aside additional money, tax free, to pay for 2023 health See the Tax-Advantaged
care expenses with a Dental and Vision FSA (FHP) or a Health Accounts section below.
Accounts (FSA): Care FSA (HealthFlex PPO or HMO). The special COVID-19- Visit FMRbenefits.com.
Contribution related tax rules that allowed for unlimited carryover for calendar
Limits years 2020 and 2021 will expire at the end of 2022, and the carry-
over limit will revert back to $570 for 2023. This means that if you
have a balance greater than $570 and do not use it before Dec.
31, 2022, these funds will be forfeited.
The Health FSA contribution limit will increase to $2,850 (for
Health Care FSA and Dental & Vision FSA).
Set aside additional money, tax free, to pay for 2023 depen-
dent care expenses with a Dependent Care FSA. The special
COVID-19-related tax rules that allowed for carryover for calendar
years 2020 and 2021 will expire at the end of 2022. This means
that if you have a 2020 and/or 2021 balance and do not use it
before Dec. 31, 2022, these funds will be forfeited.
The Dependent Care FSA contribution limit will remain at $5,000
($2,500 if your spouse is also enrolled in a Dependent Care FSA).
2What’s New in 2023
JUST THE HEADLINES (Continued) FOR MORE INFO
Life Insurance Fidelity provides Core and Basic life insurance coverage for Visit FMRbenefits.com to
associates and the opportunity to purchase supplemental help you compare company-
coverage for you as well as coverage for your spouse/RDP and provided rates against the
child(ren). individual market rates at the
During Annual Enrollment, you can increase your employee online marketplace.
life insurance coverage by 1 times your salary or benefits base Visit NetBenefits to enroll.
— up to a maximum of $1,000,000 in Basic and Supplemental
Employee coverage combined — without being subject to Proof
of Good Health (Evidence of Insurability).
Remember that some life insurance benefits are considered taxable
income and some life insurance elections may require Proof of Good
Health. See more details within the Life Insurance section below.
HERE TO HELP YOU
Get details of all Fidelity benefits on FMRbenefits.com. If you have any questions, call the Benefits
Center at 800-835-5099, Prompt 1, and say “health and insurance.”
Eligibility rules outlined on FMRbenefits.com apply to all benefits.
3Annual Enrollment—
Benefits Information
Medical Coverage Information
Whatever life has in store for you, it’s important to know you’re protected. Fidelity offers a choice of medical plans,
so you can choose the coverage that best suits the needs of you and those who depend on you.
Medical Coverage Comparison
KEY PROVISIONS FIDELITY HEALTH PLAN HEALTHFLEX PPO HEALTH MAINTENANCE
(IN-NETWORK)1 (IN-NETWORK)1 ORGANIZATIONS (HMOs)2
VARY BY STATE3, 4
HIGHLIGHTS Offers the lowest total annual With the HealthFlex PPO, you HMOs are available in several
out-of-pocket costs compared can go to any doctor without a Fidelity regions and offer cover-
with the other medical plans for referral. You’ll pay more out of age only if you receive medical
most associates. Plus, when you your paycheck than with the FHP, treatment from a doctor or other
enroll in the FHP, you can open a but copays will generally be lower provider who is a member of the
Fidelity HSA® to save for current when you visit an in-network HMO’s network.
and future health care expenses. doctor.
What’s more, Fidelity contributes
You and your covered family
to the HSA.5
member(s) also have access to
You and your covered family a dedicated Health Assistant
member(s) also have access to provided through Accolade. This
a dedicated Health Assistant single point of contact can answer
provided through Accolade. This your health and benefits questions
single point of contact can answer and empower you to make the
your health and benefits questions best health care decisions.
and empower you to make the
best health care decisions.
ANNUAL DEDUCTIBLE $1,500 for Individual coverage. $3007 per person, up to the family6 None.
$3,000 if you cover yourself and maximum of $600.7
one or more family members.6
ANNUAL OUT-OF-POCKET $2,000 for Individual coverage. $1,500 per person, up to the $2,000 per person, up to the
MAXIMUM (INCLUDES $4,000 if you cover yourself and family6 maximum of $3,000. family6 maximum of $4,000.
DEDUCTIBLE) one or more family members.6
REFERRALS Not required. Not required. Varies by plan. Contact your HMO
for details as to whether referrals
are required.
OFFICE VISITS
• Routine Well Office Visits Covered at 100%, no copay. Covered at 100%, no copay. Covered at 100%, no copay.
and Screenings
• Well Baby/Well Child Visits Covered at 100%, no copay. Covered at 100%, no copay. Covered at 100%, no copay.
• Diagnostic Visits Covered at 90%, after deductible. Covered at 100%, after $20 copay. Covered at 100%, after $20 copay.
• Specialty Visits Covered at 90%, after deductible. Covered at 100%, after $40 copay. Covered at 100%, after $40 copay.
TELEMEDICINE VISITS Covered at 100%, after Covered at 100%, after copay Covered at 100%, after $10 copay.
• Vendor Telemedicine Visits deductible. per visit.
(Teladoc, Doctor On Demand, or • $10 General Medicine
Intermountain Connect Care) • $10 Behavioral Health
• $20 Dermatology
• Other Telemedicine Visits Covered at 90%, after deductible. Covered at 100%, after copay Covered at 100%, after $10 copay.
(claims billed by a provider with per visit.
a telemedicine modifier) • $20 Diagnostic
• $40 Specialty
4Annual Enrollment—Benefits Information
Medical Coverage Comparison (Continued)
KEY PROVISIONS FIDELITY HEALTH PLAN HEALTHFLEX PPO HEALTH MAINTENANCE
(IN-NETWORK)1 (IN-NETWORK)1 ORGANIZATIONS (HMOs)2
VARY BY STATE3, 4
MATERNITY CARE
• Routine Care Covered at 100%, no copay. Covered at 100%, no copay. Covered at 100%, no copay.
• Hospital & Delivery Services Covered at 90%, after deductible. Covered at 90%, after deductible. Covered at 100%, after $300 copay.
• Non-Routine Care Covered at 90%, after deductible. Covered based on where services Covered at 100%, no copay.
are provided (office, hospital, etc.).
HOSPITAL CARE
• Inpatient Care Covered at 90%, after deductible. Covered at 90%, after deductible. Covered at 100%, after $300 copay.
• Emergency Room Covered at 90%, after deductible. Covered at 100%, after $150 Covered at 100%, after $150 copay
copay (waived if admitted). (waived if admitted).
• Outpatient Surgery Covered at 90%, after deductible. In facility: Covered at 90%, after In facility: Covered at 100%, after
deductible. In physician’s office: $150 copay. In physician’s office:
Covered at 100%, after $40 copay. Covered at 100%, after $40 copay.
OUTPATIENT Covered at 90%, after deductible. Covered at 100%, after $40 copay Covered at 100%, after $40 copay
(PHYSICAL, OCCUPATIONAL, Physical and occupational therapy per visit. Physical and occupa- per visit. Physical and occupa-
AND SPEECH THERAPY) limited to 60 visits combined per tional therapy limited to 60 visits tional therapy limited to 60 visits
year, except when additional visits combined per year, except when combined per year, except when
are medically necessary and in additional visits are medically additional visits are medically
the case of therapy sessions for necessary and in the case of necessary and in the case of
a behavioral health condition. therapy sessions for a behavioral therapy sessions for a behavioral
Speech therapy limited to 52 visits health condition. Speech therapy health condition. Speech therapy
per year. limited to 52 visits per year. limited to 52 visits per year.
MENTAL HEALTH AND
SUBSTANCE ABUSE
• Inpatient Covered at 90%, after deductible; Covered at 90%, after deductible; Covered at 100%, after $300 copay;
unlimited days per calendar year. unlimited days per calendar year. unlimited days per calendar year.
• Outpatient Covered at 90%, after deductible; Covered at 100%, after $20 copay Covered at 100%, after $20 copay
unlimited visits per calendar year. per visit; unlimited visits per per visit; unlimited visits per
calendar year. calendar year.
CHIROPRACTIC & Covered at 90%, after deductible; Covered at 90%, after deductible; Covered at 100%, after $40 copay
ACUPUNCTURE SERVICES limited to 20 visits per year for limited to 20 visits per year for per visit; limited to 20 visits per year
each service. each service. for each service.
VISION AND HEARING EXAMS Covered at 100%, no copay (one Covered at 100%, no copay (one Covered at 100%, no copay (one
vision exam and one hearing vision exam and one hearing vision exam and one hearing
exam per year). exam per year). exam per year).
PRESCRIPTION COVERAGE Preventive (Generic and Preferred): Covered at 100%, after applicable Covered at 100%, after applicable
Administered by CVS Caremark covered at 100%, without copay. copay ($10/$20/$40). copay ($10/$20/$40).
Preventive (Non-Preferred):
• Retail (30-Day Supply) Generic/ Covered at 100%, after $40 copay.8
Preferred/Non-Preferred Non-preventive: Covered at 90%,
after deductible.
• Mail Order or Maintenance Preventive (Generic and Preferred): Covered at 100%, after applicable Covered at 100%, after applicable
Choice Program (90-Day Supply) covered at 100%, without copay. copay ($20/$40/$80). copay ($20/$40/$80).
Generic/Preferred/Non-Preferred Preventive (Non-Preferred):
Covered at 100%, after $80 copay.8
Non-preventive: Covered at 90%,
after deductible.
COVID-19 SERVICES Coverage for COVID-19 diagnos- Coverage for COVID-19 diagnos- Coverage for COVID-19 diagnos-
tic testing, vaccines, and ancillary tic testing, vaccines, and ancillary tic testing, vaccines, and ancillary
services directly related to such services directly related to such services directly related to such
covered services will be provided covered services will be provided covered services will be provided
in accordance with applicable in accordance with applicable in accordance with applicable
legal requirements. legal requirements. legal requirements.
Prior authorization for services may be required. Please contact the claims administrator for more information.
1
Coverage information pertains only to in-network providers; coverage for out-of-network providers is reduced.
2
For purposes of this chart, HMO means an HMO-like self-funded plan.
3
Associate enrollments to the HMO were frozen as of 12.31.2021. You must reside in the appropriate service area in the states offered to maintain the HMO
coverage.
There may be slight variations by state. Please check your Summary Plan Description or contact the plan claims administrator for detailed coverage information.
4
5
Eligibility rules apply; see FMRbenefits.com for more details.
6
If you want to cover family members, you’ll need to choose one of the following tiers: Individual + Child(ren), Individual + Spouse/RDP, or Individual + Family.
7
Copay amounts do not apply to the annual deductible.
8
Preventive prescription drug copay will not apply toward the deductible but will apply toward the out-of-pocket maximum. Changes have been made to the
preventive drug list, so be sure to check the preventive drug list to see whether your current drug is still included.
5Annual Enrollment—Benefits Information
Biweekly Medical Contributions1
INDIVIDUAL + INDIVIDUAL +
INDIVIDUAL CHILD(REN) SPOUSE/RDP INDIVIDUAL + FAMILY
FT PT FT PT FT PT FT PT
EMPLOYEES WITH BASE SALARY OR BENEFITS BASE OF LESS THAN $50,000 AS OF 8/1/2022
FIDELITY HEALTH PLAN $45.00 $143.83 $80.00 $257.44 $106.00 $331.43 $150.00 $476.31
HEALTHFLEX PPO $70.00 $174.66 $123.00 $312.12 $156.00 $386.53 $221.00 $554.99
HARVARD PILGRIM HMO (ME, MA, NH, RI) $94.00 $189.10 $167.00 $344.10 $205.00 $418.51 $294.00 $608.64
HUMANA HMO (IN, KY, OH) $86.00 $184.25 $153.00 $331.22 $194.00 $408.86 $278.00 $591.03
SELECTHEALTH HMO (UT) $86.00 $184.28 $158.00 $332.32 $188.00 $395.47 $276.00 $588.03
EMPLOYEES WITH BASE SALARY OR BENEFITS BASE BETWEEN $50,000 AND $74,999 AS OF 8/1/2022
FIDELITY HEALTH PLAN $50.00 $143.83 $88.00 $257.44 $117.00 $331.43 $166.00 $476.31
HEALTHFLEX PPO $78.00 $174.66 $135.00 $312.12 $170.00 $386.53 $243.00 $554.99
HARVARD PILGRIM HMO (ME, MA, NH, RI) $101.00 $189.10 $180.00 $344.10 $223.00 $418.51 $316.00 $608.64
HUMANA HMO (IN, KY, OH) $93.00 $184.25 $164.00 $331.22 $211.00 $408.86 $300.00 $591.03
SELECTHEALTH HMO (UT) $94.00 $184.28 $170.00 $332.32 $204.00 $395.47 $298.00 $588.03
EMPLOYEES WITH BASE SALARY OR BENEFITS BASE BETWEEN $75,000 AND $149,999 AS OF 8/1/2022
FIDELITY HEALTH PLAN $57.00 $143.83 $100.00 $257.44 $133.00 $331.43 $189.00 $476.31
HEALTHFLEX PPO $100.00 $174.66 $180.00 $312.12 $223.00 $386.53 $322.00 $554.99
HARVARD PILGRIM HMO (ME, MA, NH, RI) $130.00 $189.10 $233.00 $344.10 $287.00 $418.51 $412.00 $608.64
HUMANA HMO (IN, KY, OH) $121.00 $184.25 $216.00 $331.22 $275.00 $408.86 $394.00 $591.03
SELECTHEALTH HMO (UT) $123.00 $184.28 $223.00 $332.32 $268.00 $395.47 $391.00 $588.03
EMPLOYEES WITH BASE SALARY OR BENEFITS BASE BETWEEN $150,000 AND $249,999 AS OF 8/1/2022
FIDELITY HEALTH PLAN $69.00 $143.83 $121.00 $257.44 $163.00 $331.43 $230.00 $476.31
HEALTHFLEX PPO $125.00 $174.66 $226.00 $312.12 $285.00 $386.53 $406.00 $554.99
HARVARD PILGRIM HMO (ME, MA, NH, RI) $158.00 $189.10 $288.00 $344.10 $354.00 $418.51 $512.00 $608.64
HUMANA HMO (IN, KY, OH) $149.00 $184.25 $268.00 $331.22 $341.00 $408.86 $491.00 $591.03
SELECTHEALTH HMO (UT) $153.00 $184.28 $279.00 $332.32 $333.00 $395.47 $488.00 $588.03
EMPLOYEES WITH BASE SALARY OR BENEFITS BASE OF $250,000 OR MORE AS OF 8/1/2022
FIDELITY HEALTH PLAN $80.00 $143.83 $142.00 $257.44 $188.00 $331.43 $268.00 $476.31
HEALTHFLEX PPO $135.00 $174.66 $240.00 $312.12 $303.00 $386.53 $433.00 $554.99
HARVARD PILGRIM HMO (ME, MA, NH, RI) $167.00 $189.10 $310.00 $344.10 $381.00 $418.51 $546.00 $608.64
HUMANA HMO (IN, KY, OH) $160.00 $184.25 $287.00 $331.22 $365.00 $408.86 $523.00 $591.03
SELECTHEALTH HMO (UT) $162.00 $184.28 $296.00 $332.32 $352.00 $395.47 $522.00 $588.03
ates shown are biweekly. Rates for former associates who elected the VBO will be billed on a monthly basis (convert the rates above by multiplying
R
1
the biweekly rate by 26, and then divide by 12).
Costs for each medical plan option are based on your salary and your work status — full time (regular employees regularly scheduled to work 30 or
more hours per week) or part time (regular employees regularly scheduled to work at least 20 but less than 30 hours per week).
Remember: Medical, dental, and vision contributions are deducted from each of your biweekly paychecks. To determine your full cost for the year,
multiply the rates by 26.
6Annual Enrollment—Benefits Information
Dental Coverage Information
Fidelity’s dental plan is designed to promote good oral health for you and your family. Taking care of your pearly
whites has never been easier, with network access to preventive and routine treatments and major procedures.
KEY PROVISIONS1 COVERAGE SERVICES INCLUDED IN TREATMENT
$50 per covered person, $150-per-family3 maximum (each
ANNUAL DEDUCTIBLE 2 family member can apply only $50 toward the family
deductible).
Dental services: $2,000 per covered person per calendar year.
BENEFIT MAXIMUM
Orthodontic services: $2,500 per covered person per lifetime.
Oral exams, routine cleanings, X-rays, sealants,
PREVENTIVE TREATMENT Covered at 100%.4
fluoride treatments, and space maintainers.
Fillings, oral surgery, periodontal treatment,
BASIC TREATMENT Covered at 80%,4 after deductible.
endodontics, extractions, and diagnostic lab tests.
MAJOR RESTORATIVE Crowns and bridgework, dentures, implants,
AND ORTHODONTIC Covered at 60%,4 after deductible. inlays, and onlays. Orthodontic treatment subject
TREATMENT to lifetime maximum.
INDIVIDUAL + INDIVIDUAL +
BIWEEKLY DENTAL CONTRIBUTIONS5 INDIVIDUAL CHILD(REN) SPOUSE/RDP INDIVIDUAL + FAMILY
FT PT FT PT FT PT FT PT
$9.00 $19.00 $18.00 $35.00 $22.00 $42.00 $32.00 $62.00
Costs for the dental plan are based on your work status.
1
This is a sample list of services covered under each treatment; see the Summary Plan Description for a list of all services covered.
2
Deductible applies to basic and major restorative treatment only (excludes orthodontic treatment).
3
If you want to cover family members, you’ll need to choose one of the following tiers: Individual + Child(ren), Individual + Spouse/RDP, or Individual +
Family.
4
Coverage is either the cost provided by a preferred dental provider or the Reasonable and Customary (R&C) amount.
5Rates shown are biweekly. Rates for former associates who elected the VBO will be billed on a monthly basis (convert the rates above by multiplying
the biweekly rate by 26, and then divide by 12).
7Annual Enrollment—Benefits Information
Vision Coverage Information1
Get vision care when you need it with Fidelity’s vision plan. EyeMed’s Insight Network has over 115,300 private
practice providers, as well as premier retailers, LensCrafters®, Target Optical, and most Pearle Vision locations.
KEY PROVISIONS2 IN-NETWORK OUT-OF-NETWORK
EXAM Covered at 100%, no copay. Up to $50 reimbursement.
EYEGLASSES
Frames Covered at 100%, up to $150 allowance. Up to $75 reimbursement.
Lenses
Covered at 100%, after $20 copay. Up to $50 reimbursement.
(single, bifocal, trifocal)
CONTACT LENSES
Covered at 100%, up to $150 allowance. Up to $75 reimbursement.
(in lieu of eyeglasses)
ADDITIONAL DISCOUNTS • 20% discount on frame balance above $150.
• 40% discount on additional pairs of eyeglasses.
Not available out of network.
• 20% discount on nonprescription sunglasses.
• Discounts on LASIK and PRK.
FREQUENCY OF
SERVICES
Exam Once every calendar year.
Frames and lenses OR
Once every calendar year.
contact lenses
INDIVIDUAL + INDIVIDUAL +
BIWEEKLY VISION CONTRIBUTIONS3 INDIVIDUAL CHILD(REN) SPOUSE/RDP INDIVIDUAL + FAMILY
FT PT FT PT FT PT FT PT
$1.50 $3.00 $3.00 $6.00 $3.00 $6.00 $4.50 $9.00
Costs for the vision plan are based on your work status.
1If you want to cover family members, you’ll need to choose one of the following tiers: Individual + Child(ren), Individual + Spouse/RDP, or Individual
+ Family.
2This is a sample list of services covered under each treatment; see the Summary Plan Description for a list of all services covered.
3Rates shown are biweekly. Rates for former associates who elected the VBO will be billed on a monthly basis (convert the rates above by multiplying
the biweekly rate by 26, and then divide by 12).
8Annual Enrollment—Benefits Information
Life Insurance
Life insurance allows your beneficiaries to pay their bills and manage their finances in the event of your death. If no one is
financially dependent on you, then you may not need life insurance.
If you do, consider how much your dependents may need to pay off outstanding debt (mortgage, credit cards, other loans),
pay for current and future expenses for children, replace your income for whatever time is necessary, and pay taxes.
COVERAGE COST TO YOU
Employee
Core $50,000 None.
4 times your annualized base salary or benefits base, up to a $250,000
maximum benefit. Fidelity covers the cost of coverage; however,
Basic
this cost of coverage is a taxable benefit.
Services for basic will preparation are included at no extra cost to you.
You can choose: 1 to 15 times your annualized base salary or benefits base.
Varies based on your coverage amount,
Maximum amount: The lesser of $3 million or 19 times your annualized age, and tobacco-use status. Note: This is a
Supplemental base salary for basic + supplemental coverage combined. taxable benefit to you.
Note: Proof of Good Health is required for amounts greater than Visit FMRbenefits.com for more details.
$1 million (combined limit with Basic).
Dependents (Must be enrolled in Basic Employee Life)
Varies based on your coverage amount,
You can elect coverage for your spouse/RDP in specific increments up
age, and tobacco-use status. Note: This is a
Spouse/RDP to $500,000 ($20,000, $50,000, $100,000, $300,000, or $500,000).
taxable benefit to you.
Note: Proof of Good Health is required for amounts more than $50,000.
Visit FMRbenefits.com for more details.
Child(ren) You can elect $10,000 of coverage for each dependent child. Single flat rate: $0.55 biweekly.
Note: Proof of Good Health is not required. Visit FMRbenefits.com for more details.
Disability Coverage
If you’re unable to work due to extended illness or injury, Fidelity’s disability coverage can provide the financial
security you need while you recover. Eligible associates are automatically enrolled in short-term disability and Fidelity
pays the full cost.
COVERAGE COST TO YOU
100% of your base salary or benefits base up to 10 weeks, and 80% of base
Short-Term Disability pay or benefits base for the remaining possible weeks for an approved, None.
non-work-related disability.
LTD 60% Pay
60% of your base salary or benefits base (up to a maximum benefit of LTD 60% Pay: None.
$20,000 per month). Note that certain rules apply for a preexisting condition.
Long-Term Disability LTD 70% Pay
(LTD) You can elect to increase your total LTD protection for approved claims LTD 70% Pay: $0.16 per $100 of
to 70% of your base salary or benefits base and 70% of your eligible coverage per month.
bonus, up to a maximum of $32,000 per month. Note that certain rules Visit FMRbenefits.com for more details.
apply for a preexisting condition.
Group Legal Plan
Navigate life’s important moments with the Fidelity Group Legal Plan. Participants have access to expert legal advice
and representation on a wide range of matters. From legal document review to traffic ticket defense, you can easily
find the support you need through a network of more than 18,000 attorneys nationwide.
COVERAGE COST TO YOU
MetLife Group Legal Plan gives you access to expert legal There’s a low monthly cost for unlimited use. Visit FMRbenefits.com for more details.
advice and representation on a wide range of matters.
Note: If you are enrolled in Basic Life Insurance through MetLife, you are able to work with an attorney at no cost to prepare a will, health care power
of attorney, and financial power of attorney without enrolling in the Group Legal Plan. These documents are available using the same MetLife Legal
network of attorneys available to you in the employee-paid Group Legal Plan.
9Annual Enrollment—Benefits Information
Tax-Advantaged Accounts
Consider if these tax-advantaged accounts are right for you to help cover out-of-pocket expenses now and in
the future.
FIDELITY 2023 CONTRIBUTION
ACCOUNT DETAILS CONTRIBUTION LIMITS CARRYOVER
For associates enrolled in or considering the Fidelity Health Plan
Health Savings Account Your contributions and Yes. To see how much Individual Plan: $3,850 There’s no “use it or lose it”
(HSA) Fidelity’s contributions Fidelity contributes to rule. The money is yours to
Family Plan: $7,750
can be used to pay for your HSA, go to keep, even if you retire or
medical bills for qualified FMRbenefits.com. Your contribution limit is leave Fidelity.
expenses during the year reduced by the amount
or in future years. Fidelity contributes to
your HSA.
Access your funds via:
If you are contributing
– HSA debit card
the maximum amount in
– HSA checkbook 2022, your contribution will
automatically be increased
– Fidelity bill pay
to the new maximum for
– Pay online through 2023.*
Fidelity *Participants who will be
– Reimburse yourself age 55 or older in 2023
and are contributing the
for expenses you paid HSA maximum in 2022 will
for qualified medical automatically be increased to
expenses the 2023 maximum amount,
including an additional $1,000
for catch-up contributions.
Dental and Vision Use your contributions to No $2,850 You have until Dec. 31,
Flexible Spending pay for qualified dental 2022, to use 2020 and
Account (FSA) or vision expenses during 2021 unused funds.
the year. For 2022, up to $570 of
unused funds can be
Access your funds via:
carried over into 2023.
– FSA debit card
– WageWorks
Reimbursement Form
– Pay online through
WageWorks
For associates enrolled in HealthFlex or an HMO or considering HealthFlex
Health Care Flexible Use your contributions to No $2,850 You have until Dec. 31,
Spending Account (FSA) pay for medical, dental, 2022, to use 2020 and
or vision bills for qualified 2021 unused funds.
expenses during the year. For 2022, up to $570 of
unused funds can be
Access your funds via:
carried over into 2023.
– FSA debit card
– WageWorks
Reimbursement Form
– Pay online through
WageWorks
Dependent Care Account
Dependent Care Use your contributions to No $5,000 ($2,500 if your No. Left-over dollars from
Flexible Spending pay for certain expenses spouse is also enrolled in a 2020 and 2021 will be
Account for the care of your Dependent Care FSA). forfeited unless you use
dependent child(ren) them for dates of service
younger than 13 years prior to January 1, 2023.
old or eligible adult For 2022, funds can be
dependents. used through March 15,
2023.
Access your funds via:
– WageWorks
Reimbursement Form
10Your Other Benefits
While enrollment in the previously mentioned programs typically occurs during Annual Enrollment, the following
programs are available to eligible associates year-round, even if you don’t take action during Annual Enrollment.
For additional details on all of these programs, including how to enroll in and access them, visit their FMRbenefits
page at the links below.
PROGRAM DETAILS
Health & Well-being
Get support through life’s challenges, including stress, relationship issues, anxiety, and depression.
Emotional Well-Being Support Program
You and your eligible dependents each have access to up to 12 confidential short-term counseling
through Lyra (EAP)
or coaching sessions per calendar year, at no cost to you. Self-care resources are also available.
Connects you with the world’s top doctors to review and discuss diagnoses and create personal-
Expert Medical Services
ized treatment plans for specific health conditions.
Reimburses you up to $300 (50% on up to $600 of eligible fitness expenses) per year to help you
Fitness Reimbursement Program
meet your fitness goals.
Staffed with health care professionals who can provide you with flu and allergy shots, health
On-Site Health & Wellness Centers screenings and other types of routine care. Available in Boston, Covington, Merrimack, Durham,
Smithfield, and Westlake.
Provides flexibility to take time away from work, with a “pool” of Paid Time Off (PTO) to use in
Paid Time Off whatever way works best for you, whether you’re taking a vacation, are under the weather, need
to care for a sick family member, or just want a day off — in addition to company holidays.
Offered through Optum, this program helps you and family members stop using tobacco prod-
Tobacco Cessation
ucts, including e-cigarettes.
Work with a wellness coach virtually or at an on-site health & wellness center to support lasting
Wellness Coaching lifestyle changes in the areas of weight, exercise, smoking cessation, work/life balance, and
overall life satisfaction.
Family Care
Reimburses for eligible expenses incurred during the adoption process after the child is legally
Adoption Assistance
placed.
Provides confidential access for Fidelity associates and their families to a team that specializes in
Autism and Behavioral Needs Navigator family behavioral needs assistance, from conducting comprehensive personalized assessments,
to developing comprehensive care plans.
Helps you arrange for back-up child or adult/elder care at a subsidized rate when your regular
Back-Up Dependent Care
care arrangements are unavailable so you can get to work.
Care Support and Coordination Gives you access to dedicated care coordinators who can help you navigate the medical, finan-
through Wellthy cial, legal, housing, in-home and social/emotional aspects of caring for your loved ones.
Offers access to certified behavior analysts who provide coaching/virtual training and resources
Developmental and Behavioral Caregiving
to caregivers of children and adults with learning, social, or behavioral challenges and develop-
Support through Rethink
mental disabilities and special needs—even without a formal diagnosis.
Whether you are welcoming a child through birth, adoption, or fostering, spend those early
Parental Leave moments together as a family using up to 12 weeks of bonding time within a year of the birth or
placement. Those who give birth get an additional 4 weeks of childbirth leave.
11Your Other Benefits
PROGRAM DETAILS
Savings & Insurance
Group Auto & Home Insurance Program Discounted insurance rates for your home, car, boat, and recreational vehicle.
Group Personal Excess Liability Insurance Higher-limit liability coverage to supplement your various personal insurance policies.
Group pet insurance from Nationwide provides protection at preferred pricing to help manage
Pet Insurance
pet care costs associated with illnesses and injuries.
Retiree Health Reimbursement Plan Gives eligible associates credits that can help pay for eligible health care costs in retirement.
Helps you contribute and invest for retirement on a tax-advantaged basis. Eligible associates
Retirement Savings Plan can make pretax 401(k) and/or Roth after-tax 401(k) contributions, and Fidelity will match your
contributions dollar for dollar up to 7% of your eligible compensation.
Educational
If you have student loans and meet certain eligibility requirements, Fidelity will help you pay
Student Loan Assistance them off. You can receive up to $15,000 from Fidelity toward your loan balance, based on the
number of hours you’re scheduled to work.
Fidelity’s Educational Assistance program provides payment for work-related educational
programs. The program has three components:
(1) A
Fully Funded Undergraduate Degree Program for eligible entry level PI & WI customer
service associates
(2) Select Fully Funded Certifications like Certified Financial Planner (CFP) for all eligible
Educational Assistance Program associates, and
(3) A $5,250 annual limit for a variety of other educational programs at any accredited school
for all eligible associates.
Visit FMRbenefits for details such as which certifications are covered, which majors are covered
for degrees, eligibility criteria, and where to find which schools and programs are within the
Guild Catalog.
Personal
Wouldn’t it be great to have a personal assistant? Fidelity’s Concierge program through Circles
Concierge Services can help you with a variety of items on your to-do list, including travel and event planning, home
improvement research, and much more. This benefit even extends to two family members!
Access to exclusive deals and discounts at over 100 different partner companies on everything
Employee Discounts from food and clothing to entertainment and travel. Invite your friends and family members to
enroll, too!
Charitable/Volunteering
Fidelity Charitable® helps donors maximize generosity to a variety of charitable organizations
through a donor-advised fund, called the Giving Account®. Eligible associate Giving Account®
Fidelity Charitable® Employee Match contributions are matched by Fidelity,* helping charitable donations go even further.
Program
*Whether Fidelity will continue the Fidelity Charitable Employee Match Program in future years
is within the sole discretion of Fidelity and is subject to annual review.
The Fidelity Foundation matches associates’ donations to eligible organizations in support of
The Fidelity Foundation Matching Gifts
education in our communities, with a 2:1 match and a maximum match of $7,000 per associate
to Education
per calendar year.
12Contact Information
For more information about your benefit plans, visit FMRbenefits.com. For general questions or enrollment and
eligibility information, call the Benefits Center at 800-835-5099, Prompt 1, Monday through Friday, 8:30 a.m. to
8:00 p.m. ET. For detailed coverage information, please contact the plan carrier directly.
Contact information for 2023 is also available on NetBenefits® > Health & Insurance > I Want To... > Full Directory.
For more information, visit
FMRbenefits.com
Have a question? Give us a call at 800-835-5099, Prompt 1.
The third parties mentioned herein and Fidelity Investments are independent entities and are not legally affiliated.
The trademarks and service marks appearing herein are the property of their respective owners.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
© 2021–2023 FMR LLC. All rights reserved.
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