Wellness Take the Wheel: 2021 U.S. Special Open Enrollment Guide For New BorgWarner Employees previously with Delphi
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Inclusion Integrity Excellence Responsibility Collaboration
Wellness
Take the Wheel: 2021 U.S. Special Open Enrollment Guide
For New BorgWarner Employees previously with Delphi
© BorgWarner Inc. 1
Phone: 1-844-4BW-LINK
(1-844-429-5465)
Email: HRLink@borgwarner.com
Yvette Hirmiz Kourtnie Woodcox Jackie Keegan
Troy Kokomo Rochester
Auburn Hills
Alyssa Januszewski Michelle Behrman
Manager, U.S. Benefits Director, Global Benefits
Natashia McNeely Debby Tremble
© BorgWarner Inc. 2
2021 Special Enrollment Session
December ENROLLMENT Benefits Website =
01, 2020 BEGINS BorgWarner.com/benefits
December ENROLLMENT
15, 2020 ENDS Research Consider
Enroll
Options Changes
January ELECTIONS
01, 2021 BEGIN
© BorgWarner Inc. 3
Workday is BorgWarner’s Human Resources Information System (HRIS)
▪ Web-based program can be securely accessed by employees from any location
with internet or mobile phone app
▪ Allows BorgWarner to manage our employees across the globe
▪ Used for such things as employee contact information, job history, benefit
enrollment, and more
▪ Employee enrollment and census information is sent to our benefit vendors
from Workday
© BorgWarner Inc. 4
BorgWarner Benefits for Your Wellbeing
Physical Financial Social
Recognizing the need for Satisfaction and preparation Developing a sense of
physical activity, diet, sleep for current and future financial connection and belonging,
and nutrition. Make choices situations. Taking steps to live while also balancing own
that support your physical within your means and physical, mental and emotional
body, health and safety. planning for future financial health. Creating a support
health. system that fosters healthy
behaviors.
▪ Medical with Prescription ▪ Retirement Savings Plan ▪ EAP
▪ Dental ▪ Life & AD&D Insurance ▪ Legal Services
▪ Vision ▪ Disability Insurance ▪ Identity Theft Service
▪ Health Care FSA ▪ Critical Illness ▪ Discount Gym Membership
▪ Dependent Care FSA ▪ Adoption Reimbursement
© BorgWarner Inc. 5
Enrolling Online
Everyone MUST go ONLINE
by 12/15/2020 and select one of the following:
Elect a medical plan OR
Waive both medical plans if you do not want
default coverage
Enroll on Time!
Default Coverage means
Your dependents will NOT
have coverage
You will not be enrolled in all
plans that are available
© BorgWarner Inc. 6
Eligible Dependents
▪ Spouse: Opposite or same-sex
▪ If spouse is eligible for another employer health plan, or plan will only pay
secondary to spouse’s primary employer coverage Other
Employer Plan
is Primary &
Pays First
▪ Dependents: biological, adopted child to age 26.
▪ Step-child to age 26 if parent is covered and court ordered to provide
healthcare. BorgWarner pays the
difference between what it
would have paid if primary &
what was paid by other
insurance
Additional Information is at borgwarner.com/benefits
© BorgWarner Inc. 7
Difference Between HRA and HSA
Health Reimbursement Account
(HRA)
• Company credits only – no employee $
• Does not move with you if you leave company
HRA Uses
Page 2 of
• Pays first before deductible Special
Enrollment
• Medical expenses only Supplement
• Rolls year over year for Details
© BorgWarner Inc. 8
Remaining Delphi HSA Balance
What Happens to Your Current Delphi HSA?
Your remaining Delphi HSA account balance
when you convert to BorgWarner’s HRA
medical plan is yours to keep.
By law you and the Company can no longer
contribute to that HSA.
© BorgWarner Inc. 9
Healthcare Flexible Spending Account (HC FSA)
Employee-funded with pre-tax dollars
▪ You make tax-free contributions, and you get tax-free
reimbursements
▪ Health Care FSA
▪ Full amount available immediately for HC FSA
▪ Can be used for medical, prescription, dental, and vision expenses
▪ HRA money will be used first for medical expenses
▪ Federal rule: Year-end balance forfeited if not for dates of service by
in 2020
▪ $550 may be rolled over to 2021
© BorgWarner Inc. 102021 BorgWarner Medical Plan Options
1 HRA Basic Plan BuyUp Plan
• First source of claim payment $500 / $750 / $1,000 $750 / $1,125 / $1,500
2 Deductible Gap
• Your portion at 100% before $1,000 / $1,500 / $2,000 $750 / $1,125 / $1,500
coinsurance
3 Coinsurance Page 3 of
• Your portion of claim 20% 10% Special
Enrollment
Supplement
4 Out of Pocket for Details
• Your safety net, Company $3,500 / $5,250 / $7,000 $3,500 / $5,250 / $7,000
begins paying 100%
© BorgWarner Inc. 11Prescription Drug Coverage
NO DEDUCTIBLE
© BorgWarner Inc. 122021 Medical Rates
Basic Plan Your Monthly Contribution
Points Earned by
Premium % Employee Employee + 1 Family
Sep. 30, 2021
0 20% $89.00 $182.00 $297.00
1-2 15% $66.75 $ $136.50 $222.75
3-4 10% $45.50 $91.00 $148.50
5+ 0% $- $- $-
Buy-Up Plan Your Monthly Contribution
Points Earned by
Premium % Employee Employee + 1 Family
Sep. 30, 2021
0 25% $238.75 $477.50 $716.25
1-2 20% $191.00 $382.00 $573.00
3-4 15% $143.25 $286.50 $429.75
5+ 10% $95.50 $191.00 $286.50
Vision
Rates can be found in the reference guide
on the BorgWarner benefits website.
© BorgWarner Inc. 13Earn at least 5 Points by
SEPT 30, 2021
Premium Points for 2021 Medical Plans for the lowest cost
premium for 2022!
Earning 1 Point Each!
Complete the Complete one Achieve a Achieve Total Achieve a Complete an Complete one or
online Cigna preventive Cholesterol of fasting blood onsite clinic more of the
Body Mass following:
Health Risk dental Index of less less than or sugar of less visit
Questionnaire cleaning/ than 30 equal to than 100 OR Preventive
(HRQ) exam
OR:
239mg/dl mg/dl Annual Physical
register with (with your
OR: Primary Care
A weight loss MDLIVE for
of 5% as Achieve a Physician or
telehealth OB/GYN)
compared to non-fasting services**
your last blood sugar of Preventive
weight with less than 140 Colon Cancer
Cigna mg/dl Screening (age
50+)
Preventive
Alternative to earn points: Enroll and participate in a Mammogram
Cigna telephonic coaching program that is most (age 40+)
appropriate for you. There are multiple options available,
including Weight Management, Stress Management, Onsite clinic
Disease Management or Healthy Eating. Call your Cigna visits are not
Health Advocate at 1-800-237-2904 for the coaching eligible
program that’s right for you.*
*If you choose to, you may seek an alternative method through a Cigna Health Advocate at 1-800-237-2904.
** You may only register/earn point one time.
© BorgWarner Inc. 14Premium Points Starting in 2021
▪ You are awarded 5 premium discount points for 2021
▪ Action needed to keep your discount for 2021!
Jan 1, 2021 March 1, 2021
Complete the Cigna Health Risk Questionnaire (HRQ)
by the March 1 deadline Basic Plan (Monthly) Buy-Up Plan (Monthly)
HRQ
Double
Double
Family
Family
Single
Single
Met
▪ The spouse surcharge is waived for 2021
Yes $0 $0 $0 $95.50 $191 $286.50
▪ Save $100 per month! Spouse action needed No $89 $182 $297 $238.75 $477.50 $716.50
+ $100 if Spouse HRQ deadline not met
Jan 1, 2021 March 1, 2021
Spouse completes the Cigna Health Risk
Questionnaire (HRQ) by the March deadline
© BorgWarner Inc. 15Discounts for 2022
855-205-5787
YOU SPOUSE
OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP
2020 2021
Oct. 1 ‘20 Jan. 1 ‘21 Sep. 30 ‘21
Preventive Only HRQ for ’21 & ‘22 Continue to earn points for 2022 discount
Oct. 1 ‘20 Jan. 1 ‘21 Sep. 30 ‘21
Preventive Only HRQ for ’21 & ‘22 Complete HRQ if not done in first 60 days
Preventive Options: Preventive visits completed between 10/01/2020 – 12/31/2020:
✓ Annual Exam with PCP or OBGYN Submit Wellness Screen Form with proof of service
✓ Colon cancer screening (age 50+) ▪ PCP/OBGYN/Radiology Explanation of Benefits (EOB)
✓ Mammogram (age 40+) ▪ Dental Cleaning Explanation of Benefits (EOB)
© BorgWarner Inc. 16Premium Points for 2022
❑ You can earn a point for completing an onsite clinic visit or when you register for telehealth
through MDLIVE the first time!
Telehealth Registration
Register for MDLIVE by: Note: you can only register for MDLIVE
and earn a point one time
• Visiting www.mycigna.com
• Visiting www.MDLIVEforCigna.com • Ex: if you earn a point for 2020,
you cannot earn another point for
• Using your MyCigna mobile app 2021, etc.
• More instructions can be found on
www.borgwarner.com/benefits
Questions? Contact HR Link at hrlink@borgwarner.com or
1-844-429-5465
© BorgWarner Inc. 17How to Access the Cigna HRQ Online
www.mycigna.com
▪ Start by creating a new account (click on “register now”)
Note: You need to enroll in Workday and wait to receive your Cigna ID card before creating an account
▪ Use myCigna.com to track your account balances and claims, find in-network providers, manage
mail-order pharmacy, and more
▪ Click on the “Wellness” tab and complete the online health assessment to receive the HRQ Point
© BorgWarner Inc. 18myCigna App for Smartphone
Consider downloading the myCigna App for Smartphone!
▪ Available for iPhone and android applications
➢ Build your custom health team with
“My Health List”
➢ Get connected wellness resources and learn about
available incentive programs
➢ Access digital ID cards for yourself and your covered
dependents
➢ Complete the HRQ using the app
© BorgWarner Inc. 192021 Dental and Vision Rates
Coverage Level Monthly Cost Coverage Level Monthly Cost
Employee Only $12 Employee Only $4.00
Employee +1 $24 Employee +1 $8.95
Family $33 Family $10.10
✓ $1500 annual benefit limit with opportunity to
increase each year
✓ Plan deductible
✓ Ortho benefit – lower Vision
© BorgWarner Inc. 20Financial Wellness
Life and AD&D Disability
▪ BorgWarner provides 2x base salary ▪ BorgWarner provides Short-Term Disability
▪ $50,000 minimum income continuation for its employees at
▪ $1 million maximum 100% for up to 6 months
▪ All leave is approved through Reed Group
▪ Plus, 1x base salary for Accidental Death
and Dismemberment Insurance ▪ BorgWarner provides Long-Term Disability
insurance at 50% of based income
▪ Employees may purchase additional life
insurance, AD&D, Spouse Life, and ▪ Employees may purchase a 20% top up to 70%
of base income plus the average of the last 3
Dependent Life
years of annual bonus income (LTD 70) - added
▪ Requires new beneficiary designations! security when needed the most.
Metlife.com/mybenefits or 888-622-6616
© BorgWarner Inc. 21Retirement Savings Plan (RSP)
▪ Plan information will be sent to directly from Vanguard Special Information for
Fidelity Brokerage participants
▪ Investment & deferral elections made with Vanguard will be mailed to you from
Vanguard
▪ Your pre-tax, after-tax, and Roth after-tax elections will be
transferred to Vanguard from Fidelity in December
▪ In early January, manage your account online or by phone
▪ Website: retirementplans.vanguard.com
▪ Plan Number 099103 Late December January 5
▪ Customer Service 1-800-523-1188 Transfer of Assets Estimated Go
& Beneficiaries to Live at
▪ Mobile App Vanguard Vanguard
© BorgWarner Inc. 22Retirement Savings Plans (RSP)
Three account sources:
1 Company Retirement Account
• Free $ from BorgWarner
• Contributions begin at Go Live, or after 60 days for new hires
• First 3% is 100% vested, remainder is vested at 3 years of service
You are 100% vested as of
2 Savings Account January 1 in the
BorgWarner plan.
• Your deferrals effective shortly after Go Live or date or hire Vesting rules will apply to new
• BorgWarner matches before-tax and Roth After-tax contributions $1:$1 up to 3% hires only.
• Your money is always 100% vested, Company match vests after 3 years of service
3 Retiree Health Account
• Before-tax deferrals with an added match from BorgWarner to incentive savings
toward retiree healthcare
• BorgWarner matches RHA $1:$1 up to $500 in a year
• Your money is always 100% vested, Company match vests after 3 years of service
© BorgWarner Inc. 23Company Retirement Account
▪ Contribution from BorgWarner to all eligible employees
▪ Company Retirement Contributions (CRC) increase with years of service
▪ If your income exceeds the social security wage index, the CRC increases as well
Years of Service CRC Before Social CRC After Social
Security Wage Index Security Wage Index
Less than or equal to 10 4% 8%
Over 10 but less than 20 5% 10%
Over 20 years 6% 11.5%
Social Security Wage Index = $142,800
© BorgWarner Inc. 24Your Savings Options
Savings Account Retiree Health
Before-Tax Roth Traditional Retiree Health
After-Tax After-Tax Account
Tax benefits now Tax benefits down Tax benefits down Tax benefits now
the road the road
You owe taxes on You won’t owe taxes You will owe taxes You owe taxes on
the earnings on the earnings on the earnings the earnings
Company matches Company matches No Company match Company matches
contributions up to contributions up to up to $500
3% of pay 3% of pay
Questions? Go to the Financial Wellness section of the BorgWarner.com/benefits
website for plan details
© BorgWarner Inc. 25Dependent Care Flexible Spending Account
Employee-funded with pre-tax dollars
▪ You make tax-free contributions, and you get tax-free
reimbursements
▪ Dependent Care FSA
▪ Available to use as funds are deducted throughout the year
▪ Use for daycare expenses for children under age 13 while you and
your spouse are at work
▪ Forfeits if not used by Dec 31 (no roll-over)
The Healthcare Flexible Spending Account and the Dependent Care
Flexible Spending Account are separate and distinct.
© BorgWarner Inc. 26Critical Illness Employee paid insurance paid as a cash lump sum with the diagnosis of a critical illness such as: Covers for You, Your Spouse, and Dependent Children available © BorgWarner Inc. 27
Social Wellness
▪ Identity theft monitoring ▪ Prepaid legal services ▪ Employee Assistance (EAP)
▪ Data breach concerns ▪ Civil defense ▪ 24/7 emotional wellbeing
▪ Real estate support
▪ Financial resolution
▪ Estate planning ▪ Referrals for senior care,
• $9.95/ month for individual coverage
• $17.95/ month for family coverage ▪ Debt collection legal assistance, pet care,
▪ Landlord/tenant childcare, and more
$17.25/ month Paid by BorgWarner
Additional Information found at Social Wellness section
borgwarner.com/benefits
© BorgWarner Inc. 28Social Wellness: Supporting Families
Paid Parental Leave Infertility Treatment Cost Support
▪ $5,000 lifetime maximum
▪ Eligible after 6 months of employment
▪ 20 days of leave ▪ IVF, GIFT, ZIFT, AI
▪ Leave runs concurrent with qualifying FMLA ▪ Enrollment in Cigna medical required
Adoption Assistance Bereavement Leave
▪ Eligible after 6 months of employment ▪ Eligible on Day 1 of employment
▪ $5,000 adoption expense reimbursement per child ▪ Eligible days vary from 4-14 days based on
($10,000 lifetime max. per employee) deceased relationship with employee
Additional Information found at Social Wellness section
borgwarner.com/benefits
© BorgWarner Inc. 29Actions to Take Soon © BorgWarner Inc. 30
Checklist
December 1 ✓ Enroll in your 2021 benefits or you will be enrolled into our default single medical plan
through only at full cost
December 15 ✓ Use the Benefits website to review enrollment materials and the Reference Guide
✓ Contact HRLink with benefit questions
January 1 ✓ Complete your Cigna HRQ online to keep earning the lowest premium rate in 2021 at
through myCIGNA.com
March 1
✓ Have your enrolled Spouse complete his/her Cigna HRQ online to avoid paying the
$100 per month surcharge for the remainder of 2021.
September ✓ Annual Deadline to earn additional premium discount points for 2022
30, 2021 ✓ Spouse must complete a preventive well visit to avoid the Spouse Surcharge in 2022
November 2021 Annual Open Enrollment for 2022
© BorgWarner Inc. 31We Are Here to Support You!
For more resources, be sure to check out
BorgWarner’s benefits website at:
www.borgwarner.com/benefits
www.borgwarner.com/benefits hrlink@borgwarner.com
© BorgWarner Inc. 32Thank you! © BorgWarner Inc. 33
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