ENROLLMENT DECISION GUIDE - 2020 EMPLOYEE BENEFITS - For Plan Year Beginning January 1, 2020
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2020 EMPLOYEE BENEFITS ENROLLMENT DECISION GUIDE For Plan Year Beginning January 1, 2020
The information in this Benefits Summary is presented for illustrative purposes and is based on information provided by the sources. The text contained in this Summary was taken from various summary plan descriptions and benefit summaries. While every effort has been taken to accurately report your benefits, discrepancies or errors are always possible. In case of any discrepancy between this Benefits Booklet and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this summary, contact Human Resources.
how to enroll online
1 Go to wilobenefits.me
2 Select “Explore Your Benefits”
3 Login to Employee Navigator
First Time Users:
“Register as a new user”
Company Identifier: wilousa
Returning Users:
“Reset a forgotten password” if needed
Call Big Oak Benefits Group for assistance
table of contents Benefits Overview….…..…………………………………………………………………4 MAP and Telemedicine..…..……………………………………………………………..5 Medical Plans…..……………..……………………………………………….………….6 About Your HSA………………………………………….………………….….……….10 Prescription Savings………………………………………….…………………………12 HSA Eligibility List…………………………..……..…………………………………….13 How to Access Your Medical Claims Portal…..……..……………………………….14 Dental Plan..….………………….……………………………………….………..…….15 Vision Plan…..………………….………………………………………….……….……16 Disability Income Plans…..………………………..………………….…………..……17 Life Insurance..……..……………………………………………………………..…….19 Supplemental Plans…………………………………………..…………………..…….20 Vacation Benefits…….……………………………………………….…………………24 Retirement Benefits……………..………………………………………………………25 Contacts and Resources……………………………………………………………….26
Our employees are our
most valuable asset.
Wilo USA offers core protection for life’s three major risks.
— If you get sick or hurt - the impact of large medical and personal bills
Core Benefit - Medical (plus Dental and Vision)
Supplement the Core - Accident, Hospital Admission, Cancer, Critical Illness
— If you become unable to work - the impact of the loss of your income
Core Benefit - Long Term Disability and Short Term Disability insurance
— If you die prematurely - the financial impact on your loved ones
Core Protection - Basic Life Insurance
Supplement the Core - Voluntary and Individual Life Insurance
4
Medical Advocate Program
When you suspect you’re going to need medical care, call MAP.
Any time you have question about health care matters, call MAP.
- You’ll speak to an actual nurse who will help you find the right diagnosis, guide you
towards the best quality providers and facilities, and answer any procedure or cost
questions you have.
- MAP walks you through every step of your care, including follow up calls to help you
understand your results and discuss any next steps if necessary.
- Call about anything. Even if you don’t need a specialist yet but want to find a high quality
primary care provider.
Call MAP at 888-289-0700
$0 Copay for Teladoc 24/7/365.
Use the phone app or call 800-835-2362
Teladoc lets you talk to a board-certified doctor in about 10 minutes. That includes holidays,
nights, weekends and while you’re traveling. With over 20 million members, Teladoc
resolves 92% of issues with your first visit. 95% customer satisfaction.
Teladoc is a separate membership plan which accompanies your Wilo health insurance plan.
Teladoc covers your dependents *when registered even if they are not on Wilo’s health insurance.
5
copay medical plan
This is a Core Benefit Wilo Copay Plan
Copays No deductible
PPO Network Cigna is effective beginning Dec 1, 2019
Preventive Care 100% paid by plan
Doctor Visits Teladoc $0, $25 Primary, $50 Specialist, Urgent Care $75
Prescriptions Preferred: Generic $10
Preferred: Brand $30
Non preferred: Generic or Brand: $60
Specialty: $150
Emergency Room $250
Deductible All hospital and surgery services and major tests
Deductible $1,000 for employee (2 per family)
After the Deductible You pay 20%
Total Out of Pocket Your $1,000 deductible + your 20% + your copays = $6,850
Lifetime Maximum Unlimited
Paycheck deduction
Employee $111.16
Ee + Spouse $229.80
Ee + Children $200.14
Ee + Sp + Children $328.68
6
hsa medical plans
QUICK HSA DECISION GUIDE
Let’s get started…
1. Who will you be covering?
• If yourself only, on the next page you’ll see that the first table is designed for you.
• If you’ll be covering family members, use the second table.
2. Next, think about this question… Which is most important to you?
• Having the lowest deductible and out-of-pocket?
• Having the highest HSA contribution from Wilo?
• The lowest payroll deduction?
3. Ready? Now, take a look below to get a head start on your decision.
People who are most concerned about medical expenses
Gold is ideally suited for
and want the lowest possible out-of-pocket.
People who want the highest possible HSA contribution
Silver is ideally suited for
from Wilo.
People who anticipate low medical expenses and want the
Bronze is ideally suited for
lowest possible deduction from their check.
7
hsa medical plans
I’m going to cover just myself…
GOLD SILVER BRONZE
1. Wilo pays the first $1,000 1. Wilo pays the first $2,000 1. Wilo pays the first $1,000
of your expenses (via HSA) of your expenses (via HSA) of your expenses (via HSA)
2. Then you pay up to the 2. Then you pay up to the 3. Then you pay up to the
next $2,000 next $4,000 next $5,000
3. After, you pay $0 3. After, you pay $0 3. After, you pay $0
Your out-of-pocket: Your out-of-pocket: Your out-of-pocket:
max $2,000 max $4,000 max $5,000
I’m going to cover myself and at least one family member…
GOLD SILVER BRONZE
1. Wilo pays the first $2,000 1. Wilo pays the first $4,000 1. Wilo pays the first $2,000
of your expenses of your expenses of your expenses
2. Then you pay the next 2. Then you pay remaining 2. Then you pay remaining
$4,000 $2,000 for first person $4,000 for first person
Then up to $6,000 max for Then up to $6,000 max for
all remaining family all remaining family
members members
3. After, you pay $0. 3. After, you pay $0. 3. After, you pay $0.
Your Family out-of-pocket: Your Family out-of-pocket: Your Family out-of-pocket:
max $4,000 max $8,000 max $10,000
8hsa summary
This is a Core Benefit GOLD SILVER BRONZE
PPO Network
Effective Dec 1, 2019
Preventive Care 100% paid by plan
Lifetime Maximum Unlimited
*Doctor visits,
prescriptions, tests, Applied to deductible. Use your HSA card.
hospital, surgery
After the Deductible You pay $0
Single Family Single Family Single Family
Deductible $3,000 $3,000 x2 $6,000 $6,000 x2 $6,000 $6,000 x2
Wilo’s HSA $1,000 $2,000 $2,000 $4,000 $1,000 $2,000
Contribution
Your Max Out of Pocket $2,000 $4,000 $4,000 $8,000 $5,000 $10,000
Paycheck Deductions GOLD SILVER BRONZE
Employee $88.32 $74.86 $51.43
Ee + Spouse $180.72 $149.23 $102.52
Ee + Children $157.62 $130.63 $89.75
Ee + Family $257.74 $211.20 $145.10
*Except Teladoc
9about your hsa
How a Health Savings Account works
This plan is called a Health Savings Account (HSA) because you set up a special
tax-free bank account, in your name, to pay your medical out-of-pocket expenses.
You will receive a debit card, so when you need to pay a doctor’s bill, a prescription,
or other covered expense, you will pay with your HSA card.
Tax Savings
• All contributions are tax-free.
• You may contribute via payroll deduction, to a total limit of $3,550 for Single and
$7,100 for Family. (Age 55+: extra $1,000 catch-up.)
• Your payroll deduction contributions avoid Federal, State and FICA taxes.
• Contributions made outside payroll don’t avoid FICA taxes.
• Contribution dollars that you don’t spend during the year still avoid taxes.
Rules
• Your balance rolls over year to year so you can never lose your money.
• You do not have commit to a certain dollar amount before the year begins.
• You may start, stop or change contributions during the year, per your needs.
• You may use your HSA dollars to pay dental and vision copays.
• You may use your HSA dollars to pay dependent medical expenses.
• You may not have an HSA if you are also covered by another health plan.
10about your hsa
Did you know?
• Wilo USA deposits half their contribution in January and half in July.
• You may also contribute your own dollars, tax-free, via payroll deduction.
• All your unused money rolls over to the next year.
• You receive a debit card. When you need to pay a doctor’s bill, a prescription or a
hospital, pay with your HSA card, because…
• If you pay a $100 medical bill using your HSA card, it’s like paying $70 because of
the tax savings.
• An HSA often beats a co-pay plan. For example, if you had surgery and owed
$2,000, when you pay with your HSA card will save about $600 to $700 in taxes.
• Would you like to pre-fund more of your deductible? Set up a tax-free payroll
deduction into your HSA, up to the legal limits.
IRS Rules for persons age 65 or older regarding HSA plans
1. To receive or make tax-free HSA contributions after age 65, you may not be enrolled
in Medicare Part A, B, C, or D.
2. If you delay drawing Social Security until after your normal retirement age and you
have been on an HSA plan, you should not accept a lump sum offer from Social
Security.
3. If you are concerned about these IRS rules, you may:
• forgo the HSA contribution
• select the Copay Plan
• go on Medicare and select a Medicare supplement and Part D drug card.
Text us at 229-448-4777 and we will send you the details.
11prescription savings strategies
Shop Smarter
Your medical plan will help reduce the costs of prescription medications. But by
using the following resources, you can save even more. For a full list of
medications, log in to your Employee Navigator benefits portal.
Download the app or search for the lowest RX prices at your
local drugstores at www.goodrx.com. Includes coupons.
Walmart offers savings on more than 200 generic medications
and antibiotics: with 30-day supplies available for as little as
$4, and 90 day supplies for just $10.
12hsa eligible and ineligible list
131 Go to corbenser.com
Online access
2 Select Account Login to your medical
plan details
3 Select Members
Claims, Cards, Coverage
14dental plans
This is a Core Benefit PPO BONUS PLAN ANY DENTIST OPTION
PROVIDERS You must use a network dentist. You may use any dentist.
PREVENTIVE The plan pays 100% of the cost of cleaning twice per year, plus the
SERVICES periodic x-rays. $0 deductible.
DEDUCTIBLE $0 for Preventive, $50 deductible for Basic or Major
Plan pays 100% for most Plan pays 80% for most
BASIC SERVICES services, including fillings, services, including fillings,
extractions, and root canals extractions, and root canals
The plan pays 60% for crowns, The plan pays 50% for crowns,
MAJOR SERVICES bridges, dentures and complex bridges, dentures and complex
extractions. extractions.
ANNUAL MAXIMUM $1,500 per person, per calendar year.
The plan pays 50% of the cost of orthodontia for children 19 or
CHILD ORTHODONTIA
younger, up to the maximum benefit of $1,500.
Paycheck deduction
Employee $4.55
Ee + Spouse $9.31
Ee + Children $8.98
Ee + Sp + Children $13.37
15vision plan
This is a Core Benefit VSP
EYE EXAMS The plan pays 100% after your $10 copay. Once per year.
LENSES The plan pays 100% after your $20 copay. Once per year.
FRAMES The plan pays up to $150 toward frames. Once every two years.
Contacts (instead of glasses): plan pays $150 per year, which
CONTACTS you can use toward the materials.
EXTRAS You receive a 15-30% discount on upgrades and sunglasses.
NETWORK Use the VSP Network. Visit GuardianAnytime.com for providers.
This plan offers out of network reimbursements. Visit Employee
OUT OF NETWORK Navigator for the reimbursement form.
Paycheck deduction
Employee $0.00
Ee + Spouse $2.34
Ee + Children $2.46
Ee + Sp + Children $5.88
16disability plans
This is a Core Benefit SHORT TERM DISABILITY: Days 1 through 90
If you are enrolled and are unable to work because of an
illness or injury, this plan continues to pay part of your
DESCRIPTION
salary. The benefit plan is designed to help protect your
financial security while you are unable to work.
The plan pays 60% of your salary, up to $1,500 of weekly
BENEFIT AMOUNT
benefit.
Benefits begin after zero days for accident, after one week
BENEFITS BEGIN
for illness.
Benefits are payable for as long as you remain disabled, up
BENEFITS DURATION to the maximum of 90 days, to coordinate with the Long
Term Disability.
This benefit also covers you when you are partially
PARTIAL DISABILITY disabled, meaning that you can work part-time and receive
partial benefits.
MATERNITY Maternity is covered.
COST This Core benefit is paid for 100% by Wilo USA.
17disability plans
This is a Core Benefit LONG TERM DISABILITY: Day 91 through age 67
If you are enrolled and are unable to work because of
an illness or injury, this plan continues to pay part of
DESCRIPTION
your salary. The benefit plan is designed to help protect
your financial security while you are unable to work.
BENEFIT AMOUNT The plan pays 60% of your monthly salary.
Benefits begin on the 91st day, to coordinate with the day
BENEFITS BEGIN
the Short Term Disability ends.
Benefits are payable for as long as you remain disabled, up
BENEFITS DURATION
to the normal Social Security retirement age of 65 to 67.
This benefit also covers you when you are partially disabled,
PARTIAL DISABILITY meaning that you can work part-time and receive partial
benefits.
COST This Core benefit is paid for 100% by Wilo USA.
18life plans
This is a Core Benefit BASIC LIFE INSURANCE
BENEFIT AMOUNT One times your annual salary
EMPLOYEE COST This Core benefit is paid for 100% by Wilo USA
Supplement the Core VOLUNTARY LIFE INSURANCE
At New Hire Open Enrollment only:
GUARANTEED ISSUE
Employee $100,000 Spouse $25,000 Children $10,000
EMPLOYEE CHOICES $25,000 / $50,000 / $75,000 / $100,000 / $125,000 / $150,000
SPOUSE 50% of the amount elected by the employee
CHILD(REN) 10% of the amount elected by the employee
EMPLOYEE COST Paid for by employee. Rates vary by age and amount.
Supplement the Core
Most people need more life insurance than the group plan can provide.
For personal financial planning contact Austin England. (See back cover)
19critical illness
This is a Core Benefit BASIC CRITICAL ILLNESS
Pays you $3,000 cash, tax-free if you incur an illness such as
cancer, heart attack, stroke, organ transplant or kidney failure.
LUMP SUM BENEFIT
Additional diseases are covered with other benefits, see
Employee Navigator for details.
EMPLOYEE COST This Core benefit is paid for 100% by Wilo USA
Supplement the Core VOLUNTARY CRITICAL ILLNESS
No Guaranteed Issue. All amounts are subject to health
GUARANTEED ISSUE
questions.
EMPLOYEE CHOICES $5,000 / $10,000
SPOUSE up to 50% of the amount elected by the employee
CHILD(REN) Child benefit 25% of the employee election, no extra cost
EMPLOYEE COST Paid for by employee. Rates vary by age and amount.
20cancer plan
Ideally suited for Anyone with a family history of cancer, or who wants to protect
against the additional treatment and personal costs not covered by
medical insurance.
The Core Benefits are your Medical and Disability plans.
Supplement the Core Benefit with the Guardian cancer plan
What are the gaps Medical plans have deductibles, copays and other out-of-pocket
in the Core benefit? expenses which may total thousands of dollars.
Medical plans pay standard medical expenses. But when cancer
strikes there may also be travel, missed work and living expenses.
How does this plan Pays cash direct to you, tax-free.
supplement the
Medical? • $7,500 cash upon initial diagnosis of internal cancer
• $1,200 per week for injected chemotherapy
• $10,000 for bone marrow transplant, $2,500 for stem cell
• $400 per day hospital benefit days 1-30, $800 per day thereafter
• up to $5,500 surgical procedure benefit
• $100 Health Screening benefit, additional $100 for follow-up
• and many, many more
PREMIER PLAN Paycheck deduction
Employee $17.17
Ee + Spouse $29.84
Ee + Children $20.19
Ee + Sp + Children $32.87
21hospital admission
Ideally suited for Anyone wanting to protect against the out-of-pocket costs of a
hospitalization.
Ideally suited for People who may
The Core need
Benefit is help
your meeting their health plan’s deductible,
Medical plan.
especially
Supplement those
the Core with high
Benefit withdeductibles.
the Guardian hospital plan
What are the gaps in Medical plans have deductibles, copays and coinsurance which
the Core benefit? may total thousands of dollars.
How does this plan
supplement the Pays you cash to offset the deductible on your medical plan.
Medical?
LOW OPTION HIGH OPTION
$1,000 Hospital Admission Benefit $2,000 Hospital Admission Benefit
(admission of at least 20 hours) (admission of at least 20 hours)
Rates vary by age. See Employee Navigator for details.
22accident plan
Ideally suited for Active families, people participating in organized sports, and
workers with hazardous jobs. Coverage on and off the job.
The Core Benefit is your Medical plan.
Supplement the Core Benefit with the Guardian accident plan.
What are the gaps Medical plans have deductibles, copays and coinsurance which
in the Core benefit? may total thousands of dollars. Accidents can result in substantial
out of pocket costs, including missed work.
How does this plan Guardian pays cash direct to you, tax-free.
supplement the
Medical? • $100 for initial doctor’s office / urgent care visit
• $75 per follow-up visit, up to six
• up to $6,000 in fracture benefits, depending on location
• up to $500 for lacerations
• $1,250 hospital admission benefit, $2,500 for ICU
• $250 per day hospital benefit, up to a year
• $200 benefit for ground ambulance trip, $1,500 by air
• $40,000 accidental death benefit for employee/spouse
• $8,000 accidental death benefit for children
• And many more
PREMIER PLAN Paycheck deduction
Employee $7.28
Ee + Spouse $11.47
Ee + Children $11.17
Ee + Sp + Children $15.36
23vacation benefits
Wilo USA provides Time-Off Benefits for rest, recuperation and family time.
Time off is requested and approved only through the online Leave system.
2020 PAID TIME OFF
Vacation Benefits
Start of Employment through Year 4 10 Days
Start of Year 5 15 Days
Start of Year 16 20 Days
Personal Days 9 Days
Sick Days 6 Days
2020 Holiday Schedule
Wednesday, January 1, 2020 New Year’s Day
Friday, April 10, 2020 Good Friday
Monday, May 25, 2020 Memorial Day
Friday, July 3, 2020 Independence Day
Monday, September 7, 2020 Labor Day
Thursday, November 26, 2020 Thanksgiving Day
Friday, November 27, 2020 Day after Thanksgiving Day
Thursday, December 24, 2020 Christmas Eve
Friday, December 25, 2020 Christmas Day
Thursday, December 31, 2020 New Year’s Eve
24retirement benefits
Wilo offers a 401 (k) Defined Contribution Plan with matching. It is designed
to respond well to your changing needs during your working career.
Please refer to the Retirement Plan Document for Details
• Investments: Your account is self-directed. You may select from a wide choice of
options offered through John Hancock.
• Your benefit will vary at retirement according to your contributions, investment
choices and investment results.
• Wilo USA will match your contribution 50% up to 7% of your base salary.
• You may contribute more than 7%. Please call for details (contact info below).
• Eligibility: You may join the plan at any time. You are eligible for the company
match immediately.
• Participants may elect to defer on a pretax or after tax basis.
• The 2020 deferral limit is $19,500.
• Participants above the age of 50 may choose to make an additional catch-up
contribution. The 2020 catch-up contribution limit is $6,500.
For assistance with this plan, please contact MHK Retirement Partners at
retire@mhkpartners.com or 1.866.949.4015 (option 1).
25contacts and resources
Refer to this list when you need to contact one of your benefit vendors. For general
information contact Big Oak Benefits Group (see back cover) or your HR Director.
How to check the status of your claim online
Corporate Benefits Service www.corbenser.com “Login” in the upper right hand area
Guardian www.guardiananytime.com “Register” on the right side
BENEFIT COMPANY WEBSITE PHONE
Corporate Benefits
Medical Claims www.corbenser.com 800-277-9476
Service
MAP Medical
Concierge 888-289-0700
Advocate Program
Telemedicine Teledoc 800-835-2362
Dental, Vision,
Life, Disability,
Guardian www.guardiananytime.com 800-627-4200
Supplemental
Plans
MHK Retirement 866-949-4015
Retirement www.mhkretirementpartners.com
Partners ext.1002Text us at 229.448.4777
MEET YOUR DEDICATED BIG OAK BENEFITS TEAM
Account Manager Angela Parrott angela@bigoakbenefits.com
229.516.1561
Additional Client Services Maura Marchant maura@bigoakbenefits.com
229.516.1559
Customer Experience Lauren Radford lauren@bigoakbenefits.com
Financial Services Austin England austin_england@yourmcf.com
Managing Partner Scott Sterling scott@bigoakbenefits.com
Physical / Overnight: 116 E. Monroe St, Thomasville GA 31792
Mailing: P.O. Box 1953, Thomasville, GA 31799
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