BENEFITS Your benefits as a part-time associate working 24+ hours a week.
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EMPLOYEE GUIDE TO 2022
BENEFITS
Your benefits as a part-time associate working 24+ hours a week.
EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Table of Contents
Welcome to Republic Bank...................................................................................................................................................................................................................... 1
Human Resouces Department Contact Info................................................................................................................................................................................ 2
Republic Bank Mission Statement..................................................................................................................................................................................................... 3
Medical and Vision......................................................................................................................................................................................................................................4
Provider Name - Humana
Provider Phone Number for Medical Coverage – 800-872-7207
Provider Web Address – www.humana.com
Provider Name – Humana Vision Plan
Provider Phone Number for Vision Coverage – 866-995-9316
Provider Web Address – www.myhumana.com
Dental.............................................................................................................................................................................................................................................................. 10
Provider Name – Delta Dental
Provider Phone Number – 800-955-2030
Provider Web Address – www.deltadentalky.com
Medical Dental Vision Costs............................................................................................................................................................................................................... 12
Health Savings Account (HSA)......................................................................................................................................................................................................... 13
WellSteps Premium Discount............................................................................................................................................................................................................. 15
Tobacco User Premium Surcharge.................................................................................................................................................................................................... 16
Life and Accidental Death and Dismemberment Insurance............................................................................................................................................. 17
Provider Name – Guardian Life Insurance Company
Provider Phone Number – 888-600-1600
Provider Web Address – www.guardiananytime.com
AFLAC Accident, Critical Care and Cancer Benefits........................................................................................................................................................... 19
Provider Name – AFLAC
Provider Email – Iris Goodall at iris_goodall@us.aflac.com
Employee Assistance Program(EAP).............................................................................................................................................................................................20
Provider Name – ESI Total Care EAP
Provider Phone Number – 800-252-4555 or 1-800-225-2527
Provider Web Address – www.theEAP.com
401(k) Retirement Plan......................................................................................................................................................................................................................... 21
Provider Name – Empower
Provider Phone Number – 844-465-4455
Provider Web Address – www.empowermyretirement.com
Financial Advisor – Iron Administration, LLC
Phone Number – 888-396-4766
Employee Stock Purchase Plan (ESPP).......................................................................................................................................................................................24
Provider Name – Computershare
Provider Phone Number – 1-866-658-6773
Provider Web Address – www.computershare.com/employee/us
Other Benefits............................................................................................................................................................................................................................................ 25
Making Changes........................................................................................................................................................................................................................................ 27
Legal and Other Important Information...................................................................................................................................................................................... 28
EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Welcome to Republic Bank!
We are proud to offer a full array of benefit options to our Associates. We have created a benefits package that helps provide
important financial protection for each associate and their family. This comprehensive benefit package includes the following
benefit options:
• Health Insurance • AFLAC Accident, Critical Care and Cancer Benefits
• Dental Insurance • Employee Assistance Program
• Vision Plan • 401(k) Plan
• Health Savings Account (HSA – set up as a Republic • Employee Stock Purchase Plan (ESPP)
Bank account) • Paid Time Off (PTO)
• Basic Life & Accidental Death & Dismemberment • Paid Holidays
Insurance
• Optional Life Insurance for Associates & Dependents
Please take the time to evaluate your benefit options and choose those that meet the needs of you & your family.
WE ARE HAPPY TO HAVE YOU ON OUR TEAM!
This booklet highlights selected benefits available to you from Republic Bank. While every effort has been made to ensure the
accuracy of this information, the actual operation of the plans is governed by the applicable plan documents. In case of a conflict
between this brochure and the plan documents, the plan documents will take precedence. For additional information regarding your
benefits such as, Summary Plan Descriptions, Certificates of Coverage, and benefit forms, please go to the Human Resources page
on Republic Bank’s Intranet site.
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EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Human Resources
Margaret Wendler Employee Relations/Payroll
Executive Vice President Robin White
Chief Human Resources Officer VP - Director of Employee Relations
Ext. 4840 Ext. 4847
mwendler@republicbank.com rwhite@republicbank.com
Christie Ramsey Erin Zimmer
VP - HR Manager Payroll/Research Records Administrator
Ext. 3918 Ext. 3916
cramsey@republicbank.com ezimmer@republicbank.com
Mary Bramblett Jim Yung
Executive Administrative Assistant Advanced Payroll Specialist
Ext. 2203 Ext. 4811
mbramblett@republicbank.com jyung@republicbank.com
Terri McGill Selena Luney
HR Specialist Employee Relations Specialist
Ext. 4812 Ext. 3917
tmcgill@republicbank.com sluney@republicbank.com
Recruitment
Susan Stuckey Benefits
VP - Director of Talent Recruitment Holly Haggard
Ext. 1805 VP - Benefits Manager
sstuckey@republicbank.com Ext. 1804
Adam Perito hhaggard@republicbank.com
VP - Talent Recruitment Officer Tammy Pate
Ext. 2408 Benefits Analyst
aperito@republicbank.com Ext. 2446
Kristen Nelson tpate@republicbank.com
Recruiting Specialist
Ext. 3919
knelson2@republicbank.com
Maggie Reimer
AVP – Talent and Recruitment Advisor
Ext. 3924
mreimer@republicbank.com
Sheila Eaves
Talent Recruiting Specialist
Ext. 2429
seaves@republicbank.com
Gayle Milam
Talent Recruiting Specialist
Ext. 3920
gmilam@republicbank.com
Jennifer Smith
AVP – Talent and Recruitment Advisor
Ext. 3925
jsmith3@republicbank.com
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EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Why We Exist. This is our mission.
To enable our clients, company, associates and the communities we serve to thrive.
At Republic Bank, we believe that by living our values we can make an IMPACT!
Innovate for the Future
Partner to transform existing processes, practices and services to drive greater quality and strengthen internal
and external outcomes.
Make it Easy
Discover and deliver ways to reduce complexity in everything we do, creating simple, high-quality experiences.
Provide Exceptional Service
Anticipate the needs of others, and provide positive, memorable and personalized experiences and service –
both internally and externally.
Acknowledge & Celebrate Success
Practice gratitude, share your appreciation and recognize the contribution of others.
Commit to Caring
Strive to do the right thing with compassion for clients, coworkers, the community, the bank, your loved ones
and yourself.
Thrive Together
Collaborate openly and build trusting relationships in order to create a positive work environment and attain
strong results for us and the people we serve.
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EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Medical Plan Options
Who is eligible?
Part-time associates regularly scheduled to work 24 or more hours per week are eligible to enroll themselves and/or their dependent
children under age 26, with coverage effective on their first day of employment. Eligible dependent children include your natural
blood-related children, stepchildren, legally adopted children, children placed for adoption in your home or children for which you
have legal guardianship.
What are my medical plan options?
There are four Humana health plan options from which to choose – Two options (Standard and Enhanced PPO Plans) are traditional
Preferred Provider Organization (PPO) medical plans, which provide a higher level of coverage for care received from participating
doctors and other health care providers. Both plans cover routine/wellness-related services at 100% with no copays or deductible.
The plans differ primarily by deductibles, co-payment amounts and coinsurance levels, as shown on the chart on pages 7-8.
Premiums are on page 12.
Maximum out-of-pocket limits: Historically, copays for office visits and prescriptions were unlimited. However, due to Healthcare
Reform, all health plans are now required to have an annual “Plan” out-of-pocket maximum of $6,350 individual / $12,700 family.
This means no covered individual will pay more than the $6,350 out-of-pocket for in-network related medical and pharmacy
expenses combined with the deductible and copays.
Both the High Deductible Health Plan (HDHP) and the CoverageFirst plans are designed to provide more control over health
expenses. Both plans cover routine/wellness-related services at 100% with no copays or deductible. However, the CoverageFirst
plan includes an additional $500 benefit allowance to cover in-network expenses (except for required co-payments) each year for
each covered member of your family. Think of this allowance as an account used to pay for health care services. As you receive
covered services, the plan will pay for those services from the account until $500 has been paid. As long as money is available in the
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EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
account, you will only pay your applicable co-payment. Once the $500 in the account has been used up, the normal plan benefits
apply and you will be responsible for the annual deductible and applicable coinsurance. You will continue to pay only a co-payment
for office visits.
The High Deductible Health Plan covers all routine exams and wellness related services at 100% - with no copay and no deductible
- for eligible in-network expenses each year. However, you may want to consider opening a Health Savings Account (HSA)
through Republic Bank to cover non-routine/wellness related out-of-pocket expenses that are applied to your deductible ($2,800
individual/$5,600 family). The HSA is used to pay for health care services with pre-tax dollars (similar to an FSA). As you receive
covered services, you use available funds in the HSA to pay for expenses that are applied to your deductible. Once your deductible
is met, the plan will pay for all future eligible in-network services at 100% after the applicable copay for office visits for primary care
physician and specialist, hospital emergency room or urgent care services, and prescription drugs.
Why you might want a High Deductible Health Plan
A High Deductible Health Plan offers several ways to save on healthcare:
• Lower premiums: The HDHP has lower premiums than the other health plan options.
• Integrated deductible: Prescription drug costs apply to the same deductible as medical costs. And for members who choose
family coverage, costs for all covered members apply to the same deductible. These differences make it easier for you to meet
the deductible.
• Out-of-pocket maximum: The yearly “cap” on your costs for covered services from in-network providers gives you peace of
mind. And budgeting is easy, since medical and drug costs that apply to your deductible count toward the maximum, too.
• Opportunity to save tax-free money: Having an HDHP allows you to contribute tax-free dollars via payroll deduction to a
Republic Bank HSA. You can spend the money on healthcare costs without paying taxes on it — or use it for other expenses
after you retire, when it may be taxed at a lower rate.
Using your High Deductible Health Plan
The HDHP has three key components: an integrated deductible, coinsurance and out-of-pocket maximum.
• Integrated deductible: Even though your pharmacy benefits kick in only after you’ve met the deductible, you always get
Humana’s discounted price when you fill prescriptions at in-network pharmacies. And since your health plan and pharmacy
benefits share the same deductible, your prescription costs help you meet the deductible faster. You can view the list of covered
drugs under the HDHP at Humana.com.
• Coinsurance: After you reach your annual deductible, the plan pays a percentage of your costs for both medical services and
prescription drugs after the applicable copays.
Example of how copays and coinsurance apply after meeting annual deductible:
You have single coverage in the HDHP and you have met your $2,800 deductible. You are visiting your primary care physician
regarding a health issue. You will be responsible for the $20 office visit copay. The Plan covers the remaining cost of the visit at
100%. You may use your health savings account to pay for the office visit.
• Plan Out-of-Pocket Maximum: Important Notice: Historically, copays for office visits and prescriptions were unlimited.
However, due to Healthcare Reform, all health plans are now required to have an annual “Plan” out-of-pocket maximum of
$6,350 individual / $12,700 family. This means no covered individual will pay more than the $6,350 out-of-pocket for in-
network related medical and pharmacy expenses combined with deductible and copays.
You have the option to enroll in a qualified High Deductible Health Plan (HDHP) and a “companion” Health Savings Account
(HSA) offered through Republic Bank to help cover your out-of-pocket expenses. See Page 13 for more information regarding the
Health Savings Account.
For the most current information about participating network providers in the Humana plans, go online to www.humana.com and
look under the Humana Choice Care Network.
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EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
How does the RX4 Prescription Drug benefit work?
No matter which medical plan you choose, the prescription drug benefit will be administered by RightSource. You will use the same
identification card that you use for all other medical care services.
The amount you pay for prescription drugs depends on which medical plan you are in and the Level in which the medication that you
and your doctor select is classified. You may check the classification of drugs by logging onto www.humana.com and selecting the
Rx-4 Drug List.
The plan provides four levels of coverage based on the prescription. In addition, if you purchase a brand name drug, you must
first satisfy a *$250 annual deductible before the copay will apply (the brand deductible does not apply to the Health Deductible
Health Plan).
• Level One: This level includes designated *brand name and generic drugs that are the most cost effective while still providing
high quality medical efficacy. You’ll pay just $10 for up to a 30-day supply.
• Level Two: Preferred drugs are those generic or *brand names included in the RX-4 drug formulary. (A formulary is a list of
commonly prescribed drugs that have been selected by a panel of pharmacists and physicians based on their effectiveness and
cost.) You’ll pay just $40 for up to a 30-day supply.
• Level Three: Non-preferred drugs are *brand names or generics not listed on the plan’s formulary. For these drugs, you’ll pay
$60 for up to a 30-day supply. If you take a prescription medication in this category, keep in mind that alternative preferred
brand name or generic drugs are usually available and allow you to save money.
• Level Four: This level covers high cost, high tech specialty medications and injectables. You’ll pay a 25% coinsurance per
prescription.
The mail order prescription benefit lets you order up to a 90-day supply of maintenance drugs for the same price as a 60-day supply
equal to 2 copays. To use this benefit, have your physician write a prescription for a 90-day supply.
PLEASE NOTE: Some drugs, such as weight management and cosmetic drugs are not covered by the plan. Because Humana’s
drug list is continually updated with prescription drugs approved or not approved for coverage, you must call the toll-free
customer service phone number on the back of your ID card or visit Humana’s website at www.humana.com to verify whether
a prescription drug is covered or not covered under the Plan.
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EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Medical Plan Options
STANDARD PPO ENHANCED PPO
Network Non-Network Network Non-Network
Benefit Allowance N/A N/A N/A N/A
Annual Deductible
Individual $500 $1,000 $250 $500
Family $1,000 $2,000 $500 $1,000
Annual Out of Pocket Expense Limit
Individual $2,500 $5,000 - includes deductible $2,250 $4,500 - includes deductible
Family $5,000 - includes deductible $10,000 - includes deductible $4,500 - includes deductible $9,000 - includes deductible
Routine Wellness Services, including
all generic birth control pills and 100% Not Covered 100% Not Covered
surgical sterilization services
Hospital Services
Inpatient 80% after deductible 70% after deductible 90% after deductible 60% after deductible
Outpatient Surgery 80% after deductible 70% after deductible 90% after deductible 60% after deductible
Outpatient Diagnostic 80% after deductible 70% after deductible 90% after deductible 60% after deductible
70% after deductible; paid 60% after deductible; paid
Emergency Room (true 100% after $300 copay (waived if 100% after $300 copay (waived if
at participating level for emergency at participating level for emergency
emergency, as defined by plan) admitted) admitted)
medical condition medical condition
Urgent Care 100% after $75 copay 70% after deductible 100% after $75 copay 60% after deductible
Physician Services
Inpatient 80% after deductible 70% after deductible 90% after deductible 60% after deductible
Office Visit
Primary Care 100% after $20 copay 70% after deductible 100% after $15 copay 60% after deductible
Specialist 100% after $35 copay 70% after deductible 100% after $30 copay 60% after deductible
Allergy Services
Allergy Injections 100% after $10 copay 70% after deductible 100% after $10 copay 60% after deductible
Allergy Serum 100% after OV copay 70% after deductible 100% after OV copay 60% after deductible
Behavioral Health
Inpatient 80% after deductible 70% after deductible 90% after deductible 60% after deductible
Inpatient physician services 80% after deductible 90% after deductible
Outpatient therapy sessions 100% after $20 copay 100% after $15 copay
100% after $35 copay; max of 20 70% after deductible; max. 20 visits 100% after $30 copay; max of 20 60% after deductible; max of 20
Chiropractic Services
visits per calendar year per year visits per calendar year visits per year
Prescription Drugs (only covered at Note: Brand Name Drugs subject to $250 annual deductible. Note: Brand Name Drugs subject to $250 annual deductible.
participating pharmacies)
Retail
Level 1 $10 copay $10 copay
Level 2 $40 copay $40 copay
Level 3 $60 copay $60 copay
Level 4 25% copay 25% copay
Mail Order
Level 1 $20 copay $20 copay
Level 2 $80 copay $80 copay
Level 3 $120 copay $120 copay
Level 4 25% copay 25% copay
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EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Medical Plan Options
COVERAGE FIRST HIGH DEDUCTIBLE HEALTH PLAN (HDHP)
Network Non-Network Network Non-Network
Benefit Allowance $500 N/A N/A N/A
Annual Deductible
Individual $2,500 $5,000 $2,800 $5,600
Family $7,500 $15,000 $5,600 $11,200
Annual Out of Pocket Expense Limit
Individual $2,500 - includes deductible $9,000 - includes deductible $2,800 - includes deductible $15,000 - includes deductible
Family $7,500 - includes deductible $27,000 - includes deductible $5,600 - includes deductible $30,000 - includes deductible
Routine Wellness Services, including
all generic birth control pills and 100% Not Covered 100% Not Covered
surgical sterilization services
Hospital Services
100% after $150 copay per day for
first five days per admission, and
Inpatient 70% after deductible 100% after deductible 70% after deductible
after deductible
100% after $100 copay per visit and
Outpatient Surgery 70% after deductible 100% after deductible 70% after deductible
after deductible
Outpatient Diagnostic 100% after deductible 70% after deductible 100% after deductible 70% after deductible
100% after $300 copay per visit, 70% after deductible; paid at 70% after deductible; paid at
Emergency Room (true
and after deductible; copay (waived participating level for emergency $300 copay after deductible participating level for emergency
emergency, as defined by plan)
if admitted) medical condition medical condition
Urgent Care 100% after $75 copay 70% after deductible $75 copay after deductible 70% after deductible
Physician Services
Inpatient 100% after deductible 70% after deductible 100% after deductible 70% after deductible
Office Visit
Primary Care 100% after $25 copay 70% after deductible $20 copay after deductible 70% after deductible
Specialist 100% after $40 copay 70% after deductible $35 copay after deductible 70% after deductible
Allergy Services
Allergy Injections 100% after $5 copay 70% after deductible 100% after deductible 70% after deductible
Allergy Serum 100% after deductible 70% after deductible 100% after deductible 70% after deductible
Behavioral Health
100% after $150 copay per day for
Inpatient first five days per admission, and 70% after deductible 100% after deductible 70% after deductible
after deductible
Inpatient physician services 100% after deductible 70% after deductible 100% after deductible 70% after deductible
Outpatient therapy sessions 100% after $25 copay 70% after deductible $20 copay after deductible 70% after deductible
100% after $40 copay; limited to 70% after deductible; max. 20 visits 100% after deductible; max of 20 70% after deductible; max. of 20
Chiropractic Services
20 visits per calendar year per year visits per year visits per year
Prescription Drugs (only covered at Note: Brand Name Drugs subject to $250 annual deductible. Note: All RX expenses subject to annual plan deductible prior to copays being applied.
participating pharmacies)
Retail
Level 1 $10 copay Not covered $10 copay after deductible Not covered
Level 2 $40 copay $40 copay after deductible
Level 3 $60 copay $60 copay after deductible
Level 4 25% copay 25% coinsurance after deductible
Mail Order
Level 1 $20 copay Not covered $20 copay after deductible
Level 2 $80 copay $80 copay after deductible
Level 3 $120 copay $120 copay after deductible
Level 4 25% copay 25% coinsurance after deductible
8EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Vision Benefits
Vision health impacts overall health.
Routine eye exams can lead to early detection of vision problems and other diseases such as diabetes, multiple sclerosis, high blood
pressure, osteoporosis, and rheumatoid arthritis.
Who is eligible?
If you are a part-time associate regularly scheduled to work 24 or more hours per week, you may enroll yourself, your spouse and/or
your dependent children under 26 years of age.
If you see a participating provider If you see a non-participating Additional plan discounts:
Vision Care Benefit Summary (Member Cost) provider (Reimbursement) Member may receive a 20% discount on items
not covered by the plan at network Providers.
Exam, with dilation as necessary Retinal Imaging $10 co-pay / $39 allowance Up to $30 / Not covered
Members may contact their participating
Contact lens exam options: provider to determine what costs or discounts
are available. Discount does not apply to Insight
Standard contact lens fit and follow-up $55 allowance Not covered
Provider’s professional services or contact
Premium contact lens fit and follow-up 10% off retail Not covered lenses. Plan discounts cannot be combined
Lenses: with any other discounts or promotional offers.
Services or materials provided by any other
Single $25 co-pay Up to $25 group benefit plan providing vision care may
Bifocal $25 co-pay Up to $40 not be covered. Certain brand name Vision
Materials may not be eligible for a discount if the
Trifocal $25 co-pay Up to $60
manufacturer imposes a no-discount practice.
Lenticular $25 co-pay Up to $100 Frame, Lens, & Lens Option discounts apply only
when purchasing a complete pair of eyeglasses. If
Covered Lens Options:
purchased separately, members receive 20% off
UV coating $15 Not covered the retail price.
Tint (solid and gradient) $15 Not covered
Members may also receive 15% off retail price or
Standard scratch-resistance $15 Not covered 5% off promotional price for LASIK or PRK from
Standard polycarbonate - adults $40 Not covered the US Laser Network, owned and operated
by LCA Vision. Since LASIK or PRK vision
Standard polycarbonate - childrenEMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Dental Plan
Who is eligible?
If you are a part-time associate working 24+ hours a week, you may enroll yourself and/or your dependent children under age 26
with coverage effective on your first day of employment. (Eligible dependent children include your natural blood-related children,
stepchildren, legally adopted children, children placed for adoption in your home or children for which you have legal guardianship.)
What are my choices?
Republic Bank offers associates the Delta Premier PPO Plus plan through Delta Dental of Kentucky. The dental plan is a unique
blend of Delta Dental’s Premier and Preferred provider networks. If you use a dentist from the Preferred provider network, your
out-of-pocket costs are lower because these network providers offer a greater discount for their services.
Benefits are based on the allowable amount for each specific service. Participating dentists have agreed not to bill plan members
more than the allowable amount. Please refer to the summary of the dental plan benefits provided on page 11.
How do I find a participating dentist?
For the most current information about dentists who participate in the plan, go online to www.deltadentalky.com and Select the
Delta Dental PPO+ Premier Network in the drop down box. The participating dentists may be different for the Premier and the
Preferred networks. If your dentist participates in both networks, they have agreed to accept the allowable amount based on the
Preferred provider network.
10EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Dental Plan Summary
Premier or Preferred Network Non-Network
Annual deductible
Individual $25 $25
Family $75 $75
Maximum Benefits $1,500 $1,500
(per covered person each Benefit Period)
Covered Services
Preventive Care – Oral exam, emergency exam, palliative
emergency treatment, periapical x-rays, bitewing x-rays, 100% of the *Allowable Amount, 100% of the *Allowable Amount, No Deductible; Does not
panoramic or complete series, topical fluoride application, No Deductible; Does not Apply toward Annual Maximum Apply toward Annual Maximum
prophylaxis, sealants, space maintainers.
Class I
Routine fillings, simple extractions, root canal therapy,
80% of the Allowable Amount, Subject to Deductible 80% of the Allowable Amount, Subject to Deductible
oral surgery
Class II
Periodontics services 80% of the Allowable Amount, Subject to Deductible 80% of the Allowable Amount, Subject to Deductible
Class III
Simple prosthetic repairs 80% of the Allowable Amount, Subject to Deductible 80% of the Allowable Amount, Subject to Deductible
Class IV
Inlays and Crowns, dental implants 50% of the Allowable Amount, Subject to Deductible 50% of the Allowable Amount, Subject to Deductible
Orthodontics
Diagnosis and treatment plan, minor treatment for tooth 50% of the Allowable Amount, No Deductible. Benefits are 50% of the Allowable Amount, No Deductible. Benefits are
guidance, interceptive orthodontic treatment, comprehensive limited to $1,000 lifetime maximum for covered dependents limited to $1,000 lifetime maximum for covered dependents
orthodontic treatment. under age 19. under age 19.
Healthy Mouth, Healthy Body is a voluntary program for those Associates who are pregnant, or have diabetes, renal failure,
suppressed immune systems, or are at risk for infective endocarditis. It allows for an additional cleaning (or periodontal maintenance
procedure if you have a history of periodontal surgery) beyond the plan’s ordinary limit per benefit period. Information is available
on the Human Resources webpage of the Republic Bank Intranet regarding enrollment in this program.
*Allowable Amount
Dentists who have signed participating agreements with Delta Dental of Kentucky agree to accept the Allowable Amount as
payment in full for Covered Services as these terms are defined in the Certificate of Coverage. Each Covered Person is responsible
for the amount of Coinsurance, Deductible, and non-covered charges. Dentists who have not signed a participating agreement may
bill you directly for any amount of their charge in excess of the Allowable Amount. In cases where the dentist’s charges exceed the
Allowable Amount, your coinsurance will be larger. Certain procedures require preauthorization and/or are subject to limitations.
11EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Medical, Dental and Vision Plan Costs 2022
Your cost depends upon several factors:
• Employment status (full-time or part-time)
• Level of coverage you select (Associate only, Associate + spouse, Associate + child(ren), or family)
• The $35/pay Medical Premium Discount (see page 15 for details)
• The $35/pay Tobacco Surcharge (see page 16 for details)
Part-Time Associates 24+ hours per week – Benefits Costs Per Pay Period (26X per year)
Medical Plan Options Dental Plan Vision Plan
High Deductible
Standard PPO Enhance PPO Coverage First Delta Dental Humana Vision
Health Plan
Associate Only
Without Premium Discount $193.75 $242.22 $151.02 $41.08** $12.96 $2.28
With Premium Discount $158.75 $207.22 $116.02 $6.08
Associate + Spouse*
Without Premium Discount $4.55
With Premium Discount
Associate+Child(ren)
Without Premium Discount $462.72 $492.86 $421.41 $342.13 $29.82 $4.32
With Premium Discount $427.72 $457.86 $386.41 $307.13
Family*
Without Premium Discount $6.79
With Premium Discount
12EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Health Savings Account (HSA)
You must be enrolled in a qualified High Deductible Health Plan (HDHP) to be eligible to enroll in a Health Savings Account.
The Republic Bank HSA is a tax-favored account that allows you to set aside funds to save and pay for qualified medical expenses
incurred by you, your spouse, and any of your qualified dependents. The HSA takes the form of a tax-exempt trust or custodial account.
IMPORTANT NOTE: Per the IRS - if you can’t claim a child as a dependent on your tax returns, then you can’t spend
HSA dollars on services provided to that child.
Paying for healthcare expenses using your health savings account:
When you have not yet met your deductible, you can pay the entire amount when you get medical care or pick up a prescription.
Give your Health Savings Account - Republic Bank MasterCard® CheckCard to your healthcare provider, and if you have enough
money in your HSA to cover the service or prescription, the amount will be paid from your HSA and applied to your deductible. If
your HSA balance doesn’t cover the cost, you’ll have to pay out of pocket, but the amount will still be applied to your deductible.
Note: Once you have deposited enough money in your HSA account, you can reimburse yourself for the out-of-pocket cost of the
service or prescription.
HSAs are different from other types of account-based plans you might already be familiar with. The most important difference is
that HSAs are individually-owned accounts. That means that each account holder will have their own account/account number and
will receive personalized monthly statements. It also means that as the account holder, you must be the one to contact Republic
Bank with any questions or concerns pertaining to your personal account. You may open a Republic Bank HSA account at any
banking center and have your contributions deducted on pre-tax basis and direct deposited into your account. Email your account
number and the number of your amount per pay contribution to your HSA to payroll@republicbank.com
Features of the Republic Bank Health Savings Account
The Republic Bank HSA is a personal checking account, and provides you with many of the same features offered in our traditional
checking accounts, including:
• No minimum balance or opening deposit required
• No set-up fee
13EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
• No transaction fees
• Free Republic Bank MasterCard® CheckCard
• Free checks
• Free Internet Banking, Mobile Banking, Online Statements and Online Bill Pay
• Competitive tiered-rate interest
• No monthly account maintenance fees
No matter how you access the funds in your HSA, be sure to retain copies of all receipts as proof that funds were used to
pay for qualified medical expenses.
Determining eligibility for an HSA
To be eligible, you must meet the following criteria:
• You must be covered by a qualified High Deductible Health Plan
• You can’t be claimed as someone’s dependent
• You aren’t covered by other disqualifying insurance (such as a PPO Plan or Flexible Spending Plan*)
• You aren’t enrolled in Medicare
* You must exhaust all funds available in your Flexible Medical Spending Account before opening an HSA account.
If I enroll in a High Deductible Health Plan but waive the HSA, can I establish an HSA later?
Yes, an HSA can be established any time after enrolling in a qualified High Deductible Health Plan. You can contribute the maximum
amount for the year – in 2022, that’s $3,650 if you have single coverage or $7,300 for family coverage. Individuals age 55 and older
can also make an additional $1,000 catch-up contribution each year.
Account holders who are HSA-eligible for only part of the year can still make the full, tax-deductible contribution for that year.
However, they must remain HSA-eligible for at least twelve months after benefiting from this special rule in order to avoid potential
taxes and penalties.
What is the latest date I can make a contribution to my HSA?
You have until April 15 of the following year to make contributions for the current tax year. The contribution must be credited to the
account by April 15. All deposits are credited as current year contributions unless otherwise noted.
How do I make contributions to my HSA?
• Make contributions via payroll deduction (recommended method) – you may elect to have pre-tax contributions to your account
via payroll deduction.
• Make automatic monthly contributions – Arrange to have funds transferred automatically from your personal checking account
to your HSA on a specific day each month. You can set up automatic deposits when you use online enrollment to open your HSA,
or you can set them up at any time by completing an ACH authorization form (visit www.republicbank.com to obtain a copy of
this form).
• Send contributions by mail – Mail your contributions to Republic Bank using a Mail-in Contribution Form (available online at
www.republicbank.com).
How to open an HSA at Republic Bank
Simply visit a Banking Center and an associate will be happy to assist you. Request to open an Associate HSA. Show your Republic
Bank ID to be eligible for this free account. In addition, you may call the IRA/HSA Department at (502) 561-7143 (internal dial
ext. 7143), if you have questions regarding the health savings account.
14EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Medical Premium Discount
The WellSteps wellness program makes it easy to get moving along your path to wellness. As a covered member of one of Republic
Bank’s Humana Medical plans, you are automatically enrolled in the program. WellSteps involves taking a snapshot of your current
state of health and well-being by using a health assessment. Based on the results, the program offers personalized goals in the areas
where you need to focus to become healthier. The program is designed to fit anyone at any level of health and fitness. And, best of
all, you can earn a $35 medical premium discount by completing three simple wellness tasks.
Medical Premium Discount:
As an active participant, you have the opportunity to reduce your medical premium costs by $35 per pay period simply by completing
the three wellness-related tasks noted below and uploading proof of completion on the WellSteps portal.
• Completing an on-line Health Assessment
• Getting an annual preventative physical exam*
• Obtaining a complete Covid vaccination*
When you first become covered on our Medical Plan, you will pay the regular rate. However, once you’ve completed the three
wellness tasks during the Plan Year, your medical premiums will be reduced by the $35 discount. Note: If you are covering your spouse
on the medical plan, your spouse must also register and complete the three wellness tasks for you to qualify for the medical premium discount.
The WellSteps program website and mobile app also provides numerous activities and on-line educational tools, including a robust
video library, the latest in health news, healthy recipes, and over 30 self-paced behavior change campaigns. You can also sync your
fitness devices and track your steps, calorie intake, exercise-based factors such as miles, kilometers, steps and minutes, and challenge
co-workers to walking to customized challenges.
Shortly after you become covered under a Republic Bank medical plan, you will receive a Welcome packet from WellSteps containing
detailed information regarding the program and how to register to begin your wellness journey.
If due to a health factor or a sincerely held legitimate religious belief you feel you cannot meet the requirements of this program,
notify the Benefits Department. A reasonable alternative standard may be available.
15EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Tobacco User Premium Surcharge
Associates and their covered adult dependents (18 years or older) will be subject to the tobacco-user premium surcharge of $35
per pay (not per person) if anyone covered on the medical plan is a tobacco user. All associates covered under the medical plan will
be required to complete an on-line affidavit as part of benefit enrollment. If the form is not completed, the Tobacco Surcharge will
apply until documented proof of being tobacco free is submitted. No refunds will be given of the surcharge.
A tobacco user is defined as an individual who uses any tobacco or smoking-related product (cigarette, cigar, pipe, chewing
tobacco, or snuff).
Quitting tobacco can be a tough but manageable process. That’s why the company offers free help through the Freedom From
Smoking tobacco-cessation program. Employees will be eligible for waiver of the tobacco-user surcharge upon completion of the
Freedom From Smoking. Program completion is defined as completing at least 8 calls (live phone coaching sessions) with a Health
Coach. Participants will receive certification upon completion.
Freedom From Smoking Overview
The Freedom From Smoking program, brought to you by the American Lung
Association, is a phone-based coaching and web-based resource learning support
service to help tobacco users quit. The program has been successfully smokers
quit for over 40 years. Participants are matched with a Quitline Health Coach,
who helps them develop a personalized quit plan, explore behaviors that lead to
tobacco use, manage stress, helps overcome possible obstacles, provides guidance
in choosing medicines, and gives ongoing follow-up support.
Freedom From Smoking gives tobacco users the support and help they need to stay focused on their personal reasons for quitting.
Those willing to try to quit will receive:
• Eight scheduled phone-based coaching sessions
• Unlimited access to a Quitline for up to one year via toll-free phone
• Unlimited access to web tools and resources to help you quit
• Access to on-line support community
• Follow Up calls after program completion
• 8-week supply of nicotine patches, gum or lozenges (free of charge) if recommended
• Referral for prescription medication if recommended
Quitting tobacco isn’t easy, but the Freedom From Smoking Program can help. Freedom From Smoking has a 57% quit rate when
utilized with quit-smoking medications. Take the first step today to living a longer, healthier life. The program is free and confidential,
and it works. Additional information and Enrollment Forms are available on SharePoint.
If it is unreasonably difficult due to a health factor or if it is medically inadvisable for you to attempt to meet the requirements
of this program, notify the Benefits Department. A reasonable alternative standard will be made available. For example, if you
are currently being treated by a physician for nicotine addiction, we may request an affidavit from your physician and provide a
reasonable alternative.
16EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Life and Accidental Death & Dismemberment
Optional Life for Associates and Dependents
Basic Group Life and Accidental Death and Dismemberment Coverage
Effective on your first day of employment, Republic Bank provides, at no cost to you, basic group term life benefits of $15,000. You
are also provided accidental death and dismemberment (AD&D) coverage equal to the same amount. If you should die as the result
of a covered accident, your beneficiary would receive an additional benefit of $15,000.
Optional Life Insurance Coverage
You can also purchase additional life insurance for yourself, your spouse, and your eligible children at affordable group rates.
Associate Optional Life Insurance – available in increments of $25,000 up $700,000 - evidence of good health is required for
any coverage exceeding the guarantee issue amount of $225,000. Cost is dependent upon your age and the amount of coverage
requested. (Note: the benefit is reduced by 75% at age 75.)
Spouse Life Insurance – Provides coverage for your spouse in $10,000 increments up to $50,000. Evidence of good health is not
required if you elect this coverage when you first become eligible. Cost is dependent upon the spouse’s age and amount of coverage
requested. Note: Your spouse is not eligible for coverage if they are age 70 or over.
Child Optional Life Insurance – Provides a $10,000 benefit for a flat rate of $1.10 per month, for dependent children up to age
26. This rate does not vary depending on the number of children covered. (Eligible dependent children include your natural blood-
related children, stepchildren, legally adopted children, children placed for adoption in your home or children for which you have
legal guardianship.) Evidence of good health is not required if you elect this coverage when you first become eligible.
Do I need to submit evidence of good health?
When you first become eligible for optional employee coverage, you may enroll up to the guarantee issue of $225,000 with no
medical questions asked. Electing any amount over $225,000 requires completing a medical evidence of insurability form. You
may only increase your coverage during a future enrollment period by completing a medical questionnaire. And if you do not
enroll your spouse or eligible children when they are first eligible, you may only elect coverage during a future enrollment period by
completing a medical questionnaire. Your coverage(s) will begin on the date you are approved by the carrier.
17EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Voluntary Life Insurance Costs
See rates and calculations below to determine your monthly cost.
Associate Cost
Age Monthly Cost per $1,000 Age Monthly Cost per $1,000 Age Monthly Cost per $1,000
Under 25 $0.06 40-44 $0.14 60-64 $0.81
25-29 $0.06 45-49 $0.20 65-69 $1.40
30-34 $0.08 50-54 $0.34 70 and over* $2.26
35-39 $0.11 55-59 $0.60 *benefit reduced by 75% at age 75
Spouse Cost
Age Monthly Cost per $1,000 Age Monthly Cost per $1,000 Age Monthly Cost per $1,000
Under 20 $0.05 35-39 $0.09 55-59 $0.44
20-24 $0.04 40-44 $0.11 60-64 $0.78
25-29 $0.06 45-49 $0.16 65-69* $1.35
30-34 $0.07 50-54 $0.28 *no benefits for age 70 and above
Child Life Option
Flat rate of $1.10 per month for Child Coverage (up to age 26).
How to Calculate Your Voluntary Benefit Costs:
First, determine the amount of coverage for which you are applying. Then, using the table above, find your age range to determine
the cost of coverage per $1,000 increments. Multiply the number of thousands of coverage by the table rate to determine your
monthly cost.
Example: An associate who is 34 years old wants to apply for $100,000 in associate voluntary life coverage, $20,000 in spouse coverage and $10,000 in child(ren) coverage. To determine the
per pay period deductions for this coverage:
Associate $0.08 x $100(000) = $8.00 x 12 ÷ 26 = $3.69
Spouse $0.07 x $20(000) = $1.40 x 12 ÷ 26 = $0.65
Children $10,000 = $1.10 x 12 ÷ 26 = $0.50
Total Cost: $10.50 x 12 ÷ 26 = $4.84
Total Per Pay Period Cost: $4.84
Your Calculations Table Rate x # Thousands of Coverage x 12 ÷ 26 = Per Pay Premiums
Associate x x 12 ÷ 26
Spouse x x 12 ÷ 26
Child(ren) $1.10 per month $10,000 x 12 ÷ 26
Total Per Pay Period Costs:
18EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
AFLAC Accident, Critical Care and Cancer Benefits
AFLAC pays cash benefits directly to you to help with out-of-pocket expenses associated with treatment in the event of a
covered illness or injury. AFLAC Cancer, Critical Illness and Accident policies are available to you at a discounted rate through
pre-tax payroll deduction. If interested, you have 30 days from your date of hire to enroll. Your next opportunity to enroll will
be in April. Information about these benefits and an introductory video can be accessed on the HR SharePoint site. Select the
information for the state in which you reside to review plan information and rates. If you have questions or would like to enroll
contact our AFLAC representative, Iris Goodall at iris_goodall@us.aflac.com.
Who is eligible? CCancer
ancer BBenefits
enefitsinclude
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e payabfor:
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Lump sum for initial diagnosis
• Associate: ages 18+ • •Chemo/radiation treatments
• Spouse: ages 18+ Chemo/radiation treatments
• •Hospitalization
• Child(ren): ages 0-26 Hospitalization
• •Surgery
(disabled Children may be covered past age 26) • •Home Health Care
Surgery
• •Ambulance
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AcAccident
cident BBenefits
enefits include
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e payabfor:
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• Doctor’s Office Visit • Transportation
• A ccidentOffice
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its include those payable for: How It Works
• Ambulance
• Ambulance
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•• Hospitalization
Hospitalization
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Emergency RoomTreatment
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•• Medical
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Medical Appliances Treatment
Emergency Room
• Medical
•• Fractures
Fractures &&Appliances
Dislocations
Dislocations
• Fractures & Dislocations
•• Physical Therapy,
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and more
• Physical Therapy, and more
How It Works Other Great Reasons to Consider AFLAC Benefits:
Other Great Reasons to Consider AFLAC Benefits:
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Premium
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offered through employer
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• Str•okSeuddenCardiac
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• •SuThird-Degree
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• aParalysis
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• Paralysis
• Paralysis
How It Works
19EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
Employee Assistance Program
As an associate of Republic Bank, you are eligible immediately upon hire. The plan provides benefits to you, your spouse, and
dependent children up to age 26. The Employee Assistance Program (EAP) is paid for by Republic Bank and is administered by ESI
TotalCare EAP, a private consulting firm that specializes in personal and online counseling. In addition, TotalCare EAP offers a broad
array of enhanced tools and services to help with problems that might affect your personal or work life.
Just a few examples of these include:
Marriage & Family • Stress • Legal Problems • Debt • Childcare • Elder Care • Grief • Pet Problems • Education Planning
Scholarships • Depression • Taxes • Wills • Smoking Cessation • Wellness • Adoption • Substance Abuse • Mental Health • Divorce
Services include:
• Unlimited Telephonic Counseling: Members speak directly with our professional staff counselors 24 hours a day via a toll-free
number. Every counselor has a Master’s or PhD. degree. Staff counselors provide direct in-the-moment counseling when a
Member calls and act as case managers when referrals are made to local counselors or other work-life or wellness resources,
overseeing each case to its ultimate closure – regardless of the amount of time involved in assisting the Member.
• Face-to-face Counseling Sessions per Issue: Up to 3
Members are eligible for telephonic counseling and short-term, in-person counseling.
In addition, your TotalCare EAP offers hundreds of personal and professional development opportunities, from trainings to one-on-
one telephonic coaching in the following areas:
Certified Financial Coaching • Balancing Life at Work & Home • Resilience • Effective Communication • Home Purchasing
Student Debt • Yoga & Relaxation for Beginners • Workplace Conflict • Retirement • Succeeding as a Supervisor
Your TotalCare EAP also provides a comprehensive Wellness Coaching benefit designed to help you tackle issues that are most
detrimental to your overall health and well-being. The program includes assistance with losing weight, improving nutrition, getting
fit, stopping tobacco use, and reducing stress.
To access your TotalCare EAP, simply call the toll-free number 1-800-252-4555 or 1-800-225-2527 to talk with a counselor or
coach who will work with you to address your issues. You can also visit your TotalCare EAP online at www.theEAP.com for thousands
of problem-solving resources and self-help tools.
Your TotalCare EAP is a free benefit and your confidentiality is assured. No information about your use of the program is given
to us as your employer unless you sign a release of information authorizing this. If you have personal difficulties of any kind, we
encourage you to take advantage of this no cost, confidential benefit.
20EMPLOYEE GUIDE TO 2022 BENEFITS
Part-time associate working 24+ hours a week
401(k) Retirement Plan
To help you prepare for the future, Republic Bank sponsors a 401(k) Plan that lets you save and invest pre-tax and after-tax dollars
from your pay. You are eligible to participate in the plan immediately upon employment; at which time you will also be eligible for
the Company Match. You will be able to enroll on your start date and your election will be reflected on your first check following
your enrollment.
You may go to the Empower website at www.empowermyretirement.com to register. If you do not make an affirmative election
to participate in the Plan or waive participation within your first 30-days of employment, you will be automatically enrolled in the
pre-tax option of the Plan with a payroll deduction deferral amount of 6% of compensation. In addition, if you make no changes to
your account following auto-enrollment, the automatic enrollment feature includes an automatic increase of 1% each year until you
reach a maximum of 10%. However, prior to your automatic enrollment, you may elect not to participate in the Plan or change your
contribution to a different amount. If you make any changes to your contribution, the annual automatic increases will stop.
If you are automatically enrolled and do not choose affirmative investment elections, your contributions will be invested in the Plan’s
Qualified Default Investment Alternative (QDIA), as described below and in the QDIA notice available on the Empower website.
If you are under age 50 and are automatically enrolled in the Plan, your contributions will be made to the IRON Moderate Portfolio,
which is a mixture of approximately 50% stocks and 50% bonds.
If you are age 50 or older and are automatically enrolled in the Plan, you will be enrolled in My Total Retirement managed by
Advised Assets Group, LLC, a federally registered investment advisor. You will receive a personalized investment portfolio that
reflects the Plan’s investment options along with other factors such as: your retirement timeframe, age, gender, state of residence,
income, account balance, life stages and overall financial picture if provided. Under My Total Retirement, Advised Assets Group has
discretionary authority over allocating your assets among the Plan’s available investment options, where each transaction does not
require prior approval.
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