BENEFITS GUIDE Welcome to Your 2018 - the details where to go - Sunrun Benefits
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READ MORE HELPING YOU REACH YOUR WELLBEING POTENTIAL. Welcome to Your 2018 BENEFITS GUIDE SEE INSIDE FOR IMPORTANT INFORMATION ABOUT YOUR BENEFITS. the details the perks where to go
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Contents WELCOME HEALTH FINANCIAL WORK-LIFE 3 Your Complete Sunrun 5 Medical 10 Sunrun 401(k) Plan 15 Voluntary Benefits Benefits Program 7 Healthcare Resources 11 HSA 16 EAP & Pet Insurance 4 Getting Started 8 Dental 13 FSA & Commuter Benefit 16 Employee Discounts 9 Vision 14 Life and AD&D 9 Wellness Program 14 Disability WELCOME Sunrun wants you and your family to be happy, healthy and secure. That’s why we offer a benefits program that is designed to help you achieve your health, financial and work-life balance potential. We are committed to providing you with tools and resources to help you maximize your benefits, including this Benefits Guide. Please review it carefully for highlights of our benefits and discuss your options with your family. PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 2
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Your Complete Sunrun Benefits Program BENEFITS SUPPORT Have questions about Your Sunrun benefits program provides a wide array of benefits to help you achieve your our benefits? Reach out physical, financial and work-life wellbeing potential. In some cases, Sunrun pays the full cost to the Benefits Advocate of some benefits, in others you pay the full cost and Sunrun and you share the cost of still Center at (844) 632- other benefits. Some benefits are paid for on a pre-tax basis, while others are paid for after tax. 2197 Monday–Friday, 7:00 a.m. to 5:30 p.m. Health Financial Work-Life PT or email champion@ hubinternational.com. MEDICAL SUNRUN 401(k) PLAN ACCIDENT INSURANCE • Cigna Preferred Provider Organization HEALTH SAVINGS ACCOUNTS CRITICAL ILLNESS INSURANCE (PPO) Plan For more (HSAs) AUTO & HOME INSURANCE • Cigna Consumer Directed Health Plan information, log on (CDHP) Option 1 with Health Savings FLEXIBLE SPENDING ACCOUNTS METLAW LEGAL PLAN to http://sunrun. Account (HSA) (FSAs) • Cigna Consumer Directed Health Plan • Healthcare FSA IDENTITY THEFT INSURANCE gobenefits.net. (CDHP) Option 2 with Health Savings • Limited-Purpose Healthcare FSA EMPLOYEE ASSISTANCE Account (HSA) (for CDHP participants only) PROGRAM (EAP) • Kaiser HMO Base Plan (CA Only) • Dependent Care FSA • Kaiser HMO Buy-Up Plan (CA Only) GROUP PET INSURANCE COMMUTER BENEFIT ACCOUNT • Healthcare Resources EMPLOYEE DISCOUNTS »» One Medical BASIC AND SUPPLEMENTAL LIFE LEAVES OF ABSENCE »» Telehealth AND ACCIDENTAL DEATH AND »» Tobacco Cessation DISMEMBERMENT (AD&D) »» LivingConnected Diabetes Program SHORT-TERM DISABILITY (STD) DENTAL LONG-TERM DISABILITY (LTD) • Core Plan • Buy-Up Plan VISION WELLNESS PROGRAM »» Tobacco Cessation PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 3
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Getting Started Eligibility Enrollment HOW TO ENROLL QUALIFIED LIFE EVENTS • Go to www.sunrunOE.com. If you experience a • Full-time employees working 30 hours You must enroll within 31 days from • If you are a first-time user, click on or more per week are eligible for your eligibility date (the first day of qualified life event “Register” to set up your username, medical coverage. the month following date of hire). password and security questions (our during the year, • Benefits are effective on the first of the Elections you make when first becoming Company Key is sunrun and is case such as marriage, month following date of hire. eligible or during Open Enrollment will remain in effect until our next Open sensitive). Be sure to have your and divorce or the birth your dependents’ Social Security or adoption of a Our Benefits Enrollment period. In addition, if you numbers and verification documents decline coverage for yourself and/or (e.g., marriage/birth certificate) on child, you may make Website your dependent(s) when first becoming eligible, you must wait until the next hand. changes to your • Log in and click on “Start Here,” then elections at that time. Sunrun.gobenefits.net is your go-to Open Enrollment period to enroll. follow the step-by-step instructions. resource for coverage information, carrier However, if you experience a qualified • Click on “Approve” and “I Agree” to It is your responsibility contact information, including phone life event (see “Qualified Life Events” on confirm your elections. Be sure to print the right of this page) during the year, you to make changes to numbers and links to member websites, out your elections for your records. and important documents. Simply log on may make changes to your elections at your benefit elections to http://sunrun.gobenefits.net. that time. by logging in to DEPENDENT ELIGIBILITY VERIFICATION sunrunbenefits.com If you want to add/change dependents or within 31 days of the beneficiaries on any of your benefits, be event. If you fail to sure to gather the necessary information do so, you will not be to verify their relationship to you. able to enroll or make changes until the next Open Enrollment period. PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 4
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Health Medical Coverage: Cigna We’re proud to offer medical coverage that not only provides coverage for illness and injury, but also enables you and your family to focus on staying well. Following is a high-level overview of the coverage available. For complete coverage details, please refer to the Summary Plan Description (SPD). Cigna PPO Plan Cigna CDHP Option 1 with HSA Cigna CDHP Option 2 with HSA Plan Feature In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network Annual Deductible Employee only $500 $1,000 $2,000 $4,000 $3,000 $4,000 Family $1,000 $2,000 $4,000 $8,000 $6,000 $8,000 Annual Out-of-Pocket Maximum Employee only $3,000 $6,000 $3,500 $7,000 $5,000 $8,000 Family $6,000 $12,000 $7,000* $14,000** $10,000** $16,000** Company Contribution to the Health Savings Account (HSA) Employee only N/A $600 (prorated throughout the year) N/A Family N/A $1,200 (prorated throughout the year) N/A Services Plan pays 100%, no Plan pays 60% after Plan pays 100%, Plan pays 70% Plan pays 100%, Plan pays 60% Preventive Care deductible deductible no deductible after deductible no deductible after deductible Primary Care Plan pays 60% after Plan pays 90% Plan pays 70% Plan pays 80% Plan pays 60% Physician Office $25 copay deductible after deductible after deductible after deductible after deductible Visit Specialist Office Plan pays 60% after Plan pays 90% Plan pays 70% Plan pays 80% Plan pays 60% $40 copay Visit deductible after deductible after deductible after deductible after deductible Please note: Your pharmacy benefit Emergency Room services with Cigna will be provided by Plan pays 80% Plan pays 60% Visit (copay waived $150 copay and plan pays 100% after deductible Plan pays 90% after deductible Express Scripts and administered by after deductible after deductible if admitted) RxBenefits. RxBenefits can help you navigate through any issues related to $250 copay and plan $500 copay and plan purchasing prescription medication. Inpatient Hospital Plan pays 90% Plan pays 70% Plan pays 80% Plan pays 60% pays pays Stay after deductible after deductible after deductible after deductible *This out-of-pocket maximum is 80% after deductible 60% after deductible embedded. With an embedded out-of-pocket maximum, the annual Prescription Drugs (Tier 1/Tier 2/Tier 3/Tier 4) out-of-pocket maximum can be met on an individual basis. This means that once a Plan pays 100%, no Plan pays 100%, no Plan pays 100%, no Plan pays 100%, no Plan pays 100%, no Plan pays 100%, no family member meets his/her individual Preventive deductible deductible deductible deductible deductible deductible out-of-pocket maximum, the plan will begin to pay coinsurance for that family Retail (up to a 30- $15/$25/$40/30% with Plan pays 60% after After deductible, Plan pays 70% Plan pays 80% Plan pays 60% member. The individual embedded day supply) a maximum of $75 deductible $15/$25/$40/20% after deductible after deductible after deductible out-of-pocket maximum is $3,500 for the CDHP Option 1 and $6,850 for the CDHP Mail Order (up to a $30/$50/$80/30% with After deductible, Plan pays 80% Option 2. Not covered Not covered Not covered 90-day supply) a maximum of $150 $30/$50/$80/20% after deductible PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 5
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Health Medical Coverage: Kaiser Permanente (California Only) HMO Base Plan HMO Buy-Up Plan Plan Feature In-Network Only In-Network Only Annual Deductible Employee only $750 $250 Family $1,500 $500 Annual Out-of-Pocket Maximum Employee only $3,000 $3,000 Family $6,000 $6,000 Services Preventive Care Plan pays 100% Plan pays 100% Primary Care Physician Office $25 copay $10 copay Visit Specialist Office Visit $25 copay $10 copay Emergency Room Visit Plan pays 80% after deductible Plan pays 90% after deductible Inpatient Hospital Stay Plan pays 80% after deductible Plan pays 90% after deductible Prescription Drugs (Tier 1/Tier 2/Tier 3/Tier 4) $10/$30/$30/20% with a maximum $10/$30/$30/20% with a maximum Retail (up to a 30-day supply) of $200 of $200 Mail Order (up to a 90-day $20/$60/$60/20% with a maximum $20/$60/$60/20% with a maximum supply) of $200 of $200 For complete coverage details, please refer to the Summary Plan Description (SPD). PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 6
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Healthcare Resources FOR MORE INFORMATION: One Medical • (415) 291-0480 • clientservices@onemedical.com • www.onemedical.com/mybenefit (Company Code: SUNXOM) One Medical Telehealth LivingConnected Telehealth: MDLIVE (Cigna) • (888) 726-3171 If you are a Sunrun employee in All employees enrolled in a Sunrun Diabetes Program • www.MDLIVEforCigna.com Arizona or San Francisco, CA, and medical plan have access to enrolled in a Cigna medical plan, licensed, board-certified U.S.-based Cigna members have access to Telehealth: Kaiser Permanente Sunrun provides One Medical at doctors via phone, online or video CCS Medical’s LivingConnected diabetes program, which allows • (800) 464-4000 no cost to you. This program can chat 24/7/365. Costs for these “virtual you to manage your condition from • www.kp.org connect you to board-certified visits” vary depending on your doctors and healthcare professionals medical plan. home and comes at no cost as part of Sunrun’s medical plans. You have Tobacco Cessation 24/7. Membership includes: • Preventive services access to: • (844) 729-5169 • Primary care (subject to applicable • Easy-to-use cellular or bluetooth • TDD: (800) 697-0353 copay, coinsurance and glucose meter with 24/7 live • www.guidanceresources.com deductible) monitoring (Web ID: SUNRUN) • 24/7 virtual care at no cost to you • Test strips, lancing devices, lancets • On-site lab services and other diabetes supplies LivingConnected Diabetes • Dedicated support team • Coaching from a registered nurse Program when readings are in the critical • (800) 334-8134 range • RxHelp@rxbenefits.com • Live, personalized health coaching • www.express-scripts.com from Certified Diabetes Educators • Online portal and smartphone app PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 7
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Health Dental Coverage: MetLife Regular dental checkups can do more than keep your smile attractive—they can also tell dentists a lot about your overall health, including whether or not you may be at risk for chronic diseases. Following is a high-level overview of your dental coverage. For complete coverage details, please refer to the Summary Plan Description (SPD). Core Plan Buy-Up Plan Plan Feature In-Network Out-of-Network In-Network Out-of-Network Annual Deductible (single/ $50/$150 $25/$75 $50/$150 family) Annual Maximum Benefit $1,750 $3,000 $2,250 Preventive Plan pays 100% Plan pays 100% Basic Plan pays 90% after deductible Plan pays 80% after deductible* Plan pays 90% after deductible Plan pays 80% after deductible* Major Plan pays 60% after deductible Plan pays 50% after deductible* Plan pays 70% after deductible Plan pays 50% after deductible* Orthodontia Plan pays 50% Plan pays 50% Orthodontia Lifetime $1,500 $1,500 Maximum *Please note that the out-of-pocket dental plan maximum for Texas employees is 90% for basic and 70% for major services. PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 8
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Health Vision Coverage: VSP FOR COMPLETE COVERAGE DETAILS, PLEASE REFER Not only can yearly eye exams protect your eyes, they can help detect signs of serious health conditions like diabetes, brain tumors, TO THE SUMMARY PLAN high blood pressure and high cholesterol. Following is a high-level overview of your vision coverage. Please note that you may use DESCRIPTION (SPD). your frame allowance toward non-prescription sunglasses, and enhanced benefits for safety goggles are available for employees who use them in their position at Sunrun. Please contact VSP for more information. Plan Feature Frequency* In-Network Out-of-Network Examination Every 12 months $10 Up to $50 Basic Lenses (single/bifocal/trifocal) Every 12 months $30 copay $50–$100 Frames Every 24 months $150–$170 allowance plus Up to $70 20% discount on amounts over allowance Contact Lenses (in lieu of glasses) Every 12 months $140 allowance; up to $60 copay Up to $105; contact lens for contact lens exam exam not covered LASIK Surgery N/A Savings of up to 15% off regular Not covered price at VSP contracted laser centers, or an additional 5% off center’s promotional price *Your benefits refresh on a calendar year basis. Live Healthy America Tobacco Cessation You have access to a personalized wellness program, Live When you enroll in medical coverage, you will be asked to verify Healthy America. You can participate in challenges to earn prizes, your tobacco use status. If you use tobacco, you will be charged FOR MORE INFORMATION, access health tips and articles, track activities and steps, set a $25 monthly tobacco surcharge. As an alternative, you may VISIT: wellness goals, track your progress and connect with your peers. enroll in ComPsych’s GuidanceResources tobacco cessation program and complete the program by December 31, 2018. Once livehealthysunrun.com you complete the five sessions, you will recoup the $25 monthly or call (888) 282-0822. surcharges paid to date and will begin paying the non-tobacco rates. Please note that the sessions are at least one week apart. As a reminder, tobacco cessation drugs are covered at 100 percent under our Cigna medical plans. PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 9
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Financial Sunrun 401(k) Plan: Empower Retirement For more information and helpful financial tools, To help you save for the retirement of your dreams, we • Investment choices: A variety of investment options are visit www.empower- offer the Sunrun 401(k) Plan. The Sunrun 401(k) Plan helps available, ranging from conservative to aggressive, so you retirement.com/ you save for retirement on a tax-deferred basis. To change can choose the investments that best match your goals and your contribution level or opt out of the Sunrun 401(k) Plan, time frame. participant or call log into https://participant.empower-retirement.com. • We also offer a Roth 401(k) option if you wish to make (800) 338-4015. Your contributions are made via convenient, pre-tax payroll after-tax contributions now and not pay taxes on your account deductions, and your funds are tax-deferred until you withdraw once you withdraw funds in retirement. them in retirement. There are several important advantages to the Sunrun 401(k) Plan: • Company match: Sunrun will match your contributions at 100% on the first 1% of your contributions and 50% on any contributions above 1% up to 6%. • Rollover assistance: You may roll over funds from a pre- existing 401(k) to the Sunrun 401(k) Plan. Contact Empower Retirement to determine the proper rollover process. • Deferred taxes: Contributions are made before you pay income taxes. Taxes are deferred on your savings and any earnings until you begin making withdrawals. You can defer up to $6,000 $18,000 in pre-tax If you are age 50 or contributions to the over, you may make Sunrun 401(k) Plan additional catch-up per year. contributions of up to $6,000 per year. $18,000 PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 10
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Financial How the Consumer Directed Health Plans (CDHPs) Work SUNRUN CONTRIBUTIONS The Cigna CDHP Option 1 and CDHP Option 2 offer comprehensive healthcare coverage at lower premiums and higher deductibles If you enroll in the than traditional healthcare plans. With lower premiums to pay for coverage, you choose how to spend your healthcare dollars. You can CDHP Option 1, Sunrun either pay for eligible services by using funds in your HSA, or you can pay for them out of your own pocket. Note: You can only use HSA will contribute $600 funds as they are deposited in your account. You can always reimburse yourself later once you have accumulated funds in your account. for employee-only coverage and $1,200 for family coverage Health Savings Accounts TOTAL ANNUAL CONTRIBUTION LIMIT annually. Note: It is important to note that your contributions, when combined (HSAs): HSA Bank with any contributions from the company, may not exceed Sunrun contribution Both CDHPs feature a health savings account (HSA) that the IRS annual maximum of $3,450 for individual coverage amounts will be and $6,900 for family coverage in 2018. Note: Individuals 55 enables you to pay for current, qualified healthcare expenses prorated per paycheck and older may make additional “catch-up” contributions up to and save for future expenses on a tax-free basis. You have the $1,000 each year until they enroll in Medicare. for all employees. opportunity to set aside funds in your HSA before taxes through convenient payroll deductions (see “How Your HSA Is Funded”). Qualified Healthcare Expenses How Your HSA Is Funded HSAs enable you to pay for the following qualified healthcare expenses on a tax-free basis: YOUR CONTRIBUTIONS • Qualified medical, dental and vision expenses not covered by There are two ways to contribute money to your HSA: the plans, as defined by the IRS in Publication 502, available • Pre-tax contributions through payroll deductions online at http://www.irs.gov/pub/irs-pdf/p502.pdf • After-tax cash contributions that are deductible when you • COBRA premiums file your taxes • Qualified long-term care insurance and expenses • Health insurance premiums when receiving unemployment COMPANY CONTRIBUTIONS compensation Sunrun contributes $600 for employee-only coverage and • Medicare and retiree health insurance premiums (not $1,200 for family coverage annually to the HSA tied to the Medicare Supplement premiums) CDHP Option 1. These contributions are prorated per paycheck. • Medigap insurance premiums Sunrun does not make annual contributions to the CDHP Option 2. PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 11
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Financial HEALTH SAVINGS ACCOUNTS (HSAs) CONTINUED FOR MORE INFORMATION, VISIT: Advantages of an HSA http://www.irs.gov/ TRIPLE-TAX ADVANTAGE CONTROL SAVINGS POTENTIAL pub/irs-pdf/p969.pdf • You contribute pre-tax funds through You own and control the money in your There is no “use it or lose it” rule. Your payroll deductions, meaning the money HSA. You decide how or if you want to account grows over time as you continue comes out of your paycheck before spend it. You can use it to pay for doctor’s to roll over unused dollars from year to federal income tax is calculated. This, visits, prescriptions, braces, glasses—even year. in turn, reduces the amount of taxable laser vision correction surgery. income, so less tax is withheld from your paycheck. PORTABILITY • Funds grow tax-free, and unused funds INVESTMENT OPPORTUNITIES Your HSA is yours for life. The money is roll over year to year. Once you reach and maintain a minimum yours to spend or save, regardless of • You can withdraw funds tax-free to pay threshold, you can make investments to whether you change health plans,* retire or for qualified healthcare expenses now help your money grow tax-free. leave the company. and in the future—even in retirement. *You must be enrolled in a qualified high-deductible health plan to contribute to an HSA. PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 12
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Financial Flexible Spending Healthcare FSA MORE ON FSAs Eligible Expenses Qualified medical, dental and vision expenses not Program: Discovery covered by insurance • You are required to enroll in the FSA each Maximum Annual Contribution $2,650 Benefits Limited-Purpose Healthcare FSA (for CDHP participants) year to participate. Flexible spending accounts (FSAs) allow you Eligible Expenses Qualified dental and vision expenses not covered by insurance • The IRS requires that to pay for eligible health and/or dependent care expenses on a pre-tax basis, meaning Maximum Annual Contribution $2,650 any unused funds your FSA contributions are deducted from Dependent Care FSA you have set aside for your pay before your federal and Social Eligible Expenses Qualified dependent care, such as child or eldercare eligible expenses that Security taxes are calculated. The result is Maximum Annual Contribution $5,000 (or $2,500 if married and filing separately) are still in your account that your taxable income is reduced and Commuter Benefit Account you get to keep a greater portion of your on March 15, 2019, be Eligible Expenses Commuting expenses (e.g., bus, commuter train, van paycheck. pool, trolley, subway, ferry, parking, etc.) claimed by submitting Monthly Maximum Parking: $260 your eligible expenses Transit: $260 Commuter Benefit no later than March 31, 2019. All claims Account: Discovery For a complete list of qualified healthcare expenses, visit http://www.irs.gov/pub/ submitted must be Benefits irs-pdf/p502.pdf. For a complete list of qualified dependent care expenses, visit from claims incurred http://www.irs.gov/pub/irs-pdf/p503.pdf. For a complete list of parking and transit before March 15, 2019. You can also use pre-tax dollars to pay for expenses, visit www.discoverybenefits.com. Any unused funds will parking and transit expenses and can enroll in the program at any point during the year. be forfeited. PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 13
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Financial Life and Accidental Death and Disability Coverage: Prudential Dismemberment (AD&D) Coverage: We offer eligible employees short-term disability (STD) and long-term disability (LTD) coverage for your financial needs should you need to take a leave from work due to a Prudential serious illness or non-work-related injury. Following is a brief summary of our STD and LTD coverage. These benefits are paid by Sunrun. We help our eligible employees maintain financial security by providing a group life and accidental death and dismemberment (AD&D) benefit. This benefit is paid by Sunrun. SHORT-TERM DISABILITY (STD) COVERAGE BASIC LIFE AND AD&D COVERAGE STD Coverage Features Income Replacement 66.67% Basic Life and AD&D Weekly Maximum Benefit $2,500 Amount 1x annual base salary up to $250,000 When Benefit Begins After 7 days Maximum Benefit Period 12 weeks SUPPLEMENTAL LIFE COVERAGE You also have the opportunity to purchase additional life and AD&D coverage for yourself LONG-TERM DISABILITY (LTD) COVERAGE and your dependents at group rates. Please note that rates are based on whether or not you use tobacco. The chart below shows the coverage available. Note: Spouse and LTD Coverage Features child coverage is only available when the employee elects voluntary coverage for him or Income Replacement 60% herself. Monthly Maximum Benefit $10,000 When Benefit Begins 90 days Amount Guaranteed Issue Maximum Benefit Period Until age 65 Employee $2 million $250,000 Spouse 100% of employee coverage up to $500,000 $100,000 Child(ren) Up to $20,000 $20,000 Employees and dependents who elect coverage when first eligible can elect up to the Guaranteed Issue amounts without being required to submit Evidence of Insurability (EOI). If you wish for more than the Guaranteed Issue amount or to waive coverage now and elect at a later date, you will be required to submit EOI. During Open Enrollment 2018 only, you will have a one-time opportunity to purchase additional life insurance up to $250,000 without submitting EOI. PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 14
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Work-Life FOR MORE INFORMATION: Accident Insurance Accident Insurance: Legal Plan: • (800) GET-MET8 (438-6388) MetLife MetLaw Legal Plan • https://online.metlife.com/ edge/web/public/benefits You have the option of purchasing voluntary accident insurance You have the option of enrolling in the group legal plan at a low for you, your spouse and/or your dependent children, which monthly premium. The plan gives you and your family members Critical Illness Insurance pays you money based on the injury and the treatment you access to legal assistance for matters concerning estate • (800) GET-MET8 (438-6388) receive, whether it’s a simple sprain or something more serious, planning, real estate, family law, consumer protection and more. • https://online.metlife.com/ like an injury from a car accident. Your plan can pay you a Note: One-year enrollment is required. edge/web/public/benefits benefit for an emergency room treatment, stitches, crutches, Identity Theft Insurance: injury-related surgery and certain other accident-related Auto & Home Insurance expenses. • (800) GET-MET8 (438-6388) LifeLock • https://online.metlife.com/ edge/web/public/benefits Critical Illness Insurance: You have the option of enrolling in the voluntary identity theft protection benefit through LifeLock. LifeLock members have MetLife protection services, including proprietary identity monitoring MetLaw Legal Plan • (800) GET-MET8 (438-6388) with technology that scans hundreds of millions of transactions You have the option of purchasing voluntary critical illness • https://online.metlife.com/ per second looking for different threats that could lead to insurance for you and your eligible family members. This plan edge/web/public/benefits identity theft. provides a lump-sum payment upon diagnosis of certain covered conditions, such as cancer, heart attack or stroke, to Identity Theft Insurance Two levels of coverage are available for purchase, Benefit Elite use any way you want to help cover extra cost of treatment, • Pre-Enrollment: and Ultimate Plus. The main differentiator is that the Ultimate childcare, mortgage, car payments, etc. (866) 917-2555 Plus plan includes credit bureau access, tracking and reporting. • Post-Enrollment: Auto & Home Insurance: Parental Leave (800) 607-9174 • memberservices@ MetLife Sunrun understands the need to take time off to take care of excelsiorcompanies.com • www.lifelock.com your personal needs—and those of your family. That’s why we You have the option of purchasing personal lines of auto and offer up to 12 weeks of Family Medical Leave Act (FMLA) leave. home insurance at discounted rates. In addition to FMLA and applicable state leaves, both birth and Parental Leave non-birth parents are eligible for up to 10 weeks of paid leave at • (800) 524-0542 100 percent of pay. • www.prudential.com/ mybenefits PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 15
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Work-Life For more information about these benefits, contact the carriers directly (see page 18 for contact information). Employee Voluntary Pet Employee Assistance Insurance: Discounts: Fond Program (EAP): Nationwide All employees have access to discounts on automotive, electronic, consumer, ComPsych You have the option of purchasing educational assistance, home security, voluntary pet insurance at discounted travel, home and work-life products We understand that it can be difficult group rates to help cover the costs and services through Fond. You can to manage family, work-related and associated with veterinary care. even use the “Request a Perk” function personal issues. That’s why we offer an to receive discounts on some of your EAP at no cost to you. To help guide favorite products and services. you through difficult situations or simply assist you with day-to-day tasks like finding a last-minute dog sitter, trained professionals work with you as you search for solutions. The program is completely confidential and can help you work through issues related (but not limited) to: • Emotional well-being • Family life • Healthy living • Legal/financial matters PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 16
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Rates 2018 Employee Contributions Per Pay Period Medical Coverage Cigna PPO Plan Cigna CDHP Option 1 with HSA Cigna CDHP Option 2 with Kaiser HMO Base Plan Kaiser HMO Buy-Up Plan HSA (California Only) (California Only) Non-Tobacco Tobacco Non-Tobacco Tobacco Non-Tobacco Tobacco Non-Tobacco Tobacco Non-Tobacco Tobacco Employee Only $63.23 $75.73 $51.78 $64.28 $28.89 $41.39 $43.49 $55.99 $57.99 $70.49 Employee + Spouse $155.35 $167.85 $135.18 $147.68 $87.76 $100.26 $128.41 $140.91 $164.66 $177.16 Employee + Child(ren) $140.63 $153.13 $122.64 $135.14 $79.58 $92.08 $104.88 $117.38 $134.46 $146.96 Family $221.84 $234.34 $193.50 $206.00 $125.37 $137.87 $174.45 $186.95 $223.75 $236.25 Dental Coverage Core Plan Buy-Up Plan Supplemental Non-Tobacco Tobacco Optional Non-Tobacco Tobacco Employee Life (Per $1,000) (Per $1,000) Spouse Life (Per $1,000) (Per $1,000) Employee Only $7.27 $9.74 (Exclude AD&D) Employee + Spouse $16.45 $21.56 00-24 $0.071 $0.084 00-24 $0.071 $0.084 Employee + Child(ren) $18.33 $24.02 25-29 $0.071 $0.084 Family $27.63 $36.21 25-29 $0.071 $0.084 30-34 $0.087 $0.103 30-34 $0.087 $0.103 35-39 $0.113 $0.140 Vision Coverage 35-39 $0.113 $0.140 40-44 $0.166 $0.214 Employee Only $1.55 40-44 $0.166 $0.214 45-49 $0.271 $0.349 Employee + Spouse $3.77 45-49 $0.271 $0.349 50-54 $0.431 $0.556 Employee + Child(ren) $3.77 50-54 $0.431 $0.556 55-59 $0.750 $0.967 Family $6.22 55-59 $0.750 $0.967 60-64 $1.155 $1.428 60-64 $1.155 $1.428 65-69 $2.125 $2.514 65-69 $2.125 $2.514 70+ $4.405 $5.211 70+ $4.405 $5.211 Optional Child Life $0.200 Supplemental Employee AD&D: $0.025 Per $1,000 Single (Per $1,000) Supplemental Employee AD&D: $0.025 Family (Per $1,000) PRINT CONTENTS CONTACT LIST BACK FIRST LAST NEXT 17
WELCOME HEALTH FINANCIAL WORK-LIFE RATES CONTACTS Benefits Contact Directory Topic Contact Phone & Email Website & Network (844) 632-2197 sunrun.gobenefits.net General Benefits and/or Enrollment Benefits Advocate Center Monday–Friday, 7 a.m. to 5:30 p.m. PT www.sunrunbenefits.com champion@hubinternational.com Cigna (800) CIGNA24 (800-244-6224) www.mycigna.com Medical Coverage Kaiser Permanente (800) 464-4000 www.kp.org RxBenefits (800) 334-8134 & RxHelp@rxbenefits.com www.express-scripts.com Prescription Drug Coverage Kaiser Permanente (888) 218-6245 www.kp.org Health Savings Accounts (HSAs) HSA Bank (800) CIGNA24 (800-244-6224) www.mycigna.com (415) 291-0480 www.onemedical.com/mybenefit One Medical One Medical clientservices@onemedical.com (Company Code: SUNXOM) Cigna: MDLIVE (888) 726-3171 www.MDLIVEforCigna.com Telehealth Program Kaiser Permanente (800) 464-4000 www.kp.org LivingConnected Diabetes Program RxBenefits (800) 334-8134 & RxHelp@rxbenefits.com www.express-scripts.com (844) 729-5169 www.guidanceresources.com Tobacco Cessation Program ComPsych (GuidanceResources) TDD: (800) 697-0353 (Web ID: SUNRUN) (888) 466-8673 Dental Coverage MetLife https://online.metlife.com/edge/web/public/benefits nscrep@metlife.com Vision Coverage VSP (800) 877-7195 www.vsp.com Live Healthy America Wellness Program Live Healthy America (888) 282-0822 www.livehealthysunrun.com Sunrun 401(k) Plan Empower Retirement (800) 338-4015 www.empower-retirement.com/participant Life, Accidental Death and Dismemberment Prudential (800) 524-0542 www.prudential.com/mybenefits (AD&D) and Disability Coverage Flexible Spending Accounts (FSAs) & Parking and Discovery Benefits (866) 451-3399 www.discoverybenefits.com Transit Program Voluntary Accident, Critical Illness, Auto & Home MetLife (800) GET-MET8 (438-6388) https://online.metlife.com/edge/web/public/benefits Insurance and Group Legal Plan Pre-Enrollment: (866) 917-2555 Identity Theft Insurance LifeLock Post-Enrollment: (800) 607-9174 www.lifelock.com memberservices@excelsiorcompanies.com Leaves of Absence/FMLA Prudential (800) 524-0542 www.prudential.com/mybenefits Group Pet Insurance Nationwide (877) 738-7874 www.petinsurance.com/affiliates/Sunrun www.guidanceresources.com Employee Assistance Program (EAP) ComPsych (GuidanceResources) (844) 729-5169 (Web ID: SUNRUN) Employee Discounts Fond (415) 969-6563 www.fond.co Please note: This guide is intended to provide you with highlights of our benefits program. It is not intended to address all details. Actual benefit coverage is specified in the Plan Documents. In the event of any differences between this guide and the Plan Documents, the Plan Documents will govern. PRINT CONTENTS CONTACT LIST BACK FIRST LAST 18
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