2018 BE N EF I TS EN R O L L ME NT GU I DE

YOUR WELL-BEING. MANAGED WELL.

2018 BE N EF I TS EN R O L L ME NT GU I DE 2

Table of Contents

STEPS TO PREPARE

Choose Your 2018 Benefits 3

HELPING YOU CHOOSE

Resources to Help You Decide 5

What's New or Changing for 2018 6

BENEFIT ASSISTANCE

Quick Reference 10

WELL-BEING PROGRAMS

Benefit Two Ways 11

2018 BE N EF I TS EN R O L L ME NT GU I DE 3

STEPS TO PREPARE

Choose Your 2018 Benefits

For 2018, we continue to offer a wide range of benefits and coverage options to meet the diverse needs of our
employees. We're also making some changes that help our program remain competitive and demonstrate we're
on the forefront of thinking about ways to maintain your health and the various aspects of your well-being.
These steps can help you understand the 2018 offerings, including what's new and what's changing, so you can
make informed choices during the enrollment period, Oct. 12 through Nov. 3.

THESE STEPS CAN HELP:

1 Use the available information and decision-support tools.

• Read pages 6-9 in this guide to see the benefits program changes for next year.
• Find a wealth of information and tools on the Benefits Resource site.
• Attend a health and well-being fair where you’ll find more information about the 2018 benefit
offerings and our well-being programs (including how you can earn up to $600 in health plan
premium credits next year).* Fairs will be held in Hartford, Windsor, Charlotte, Lake Mary,
New Hartford and San Antonio.

2  et personalized help in making your choices. Is your current health plan option saving you the
G
most money? What other ways can you boost your budget and protect your finances? Two resources
can help you consider your options at no charge to you:
• ALEX®, the virtual benefits counselor – at netbenefits.com/thehartford is available during the TAKE NOTE:
enrollment period beginning Oct. 12. This year, ALEX has been improved to provide a better user For 2018, an important
experience on all devices, including smartphones. He’s also been enhanced to help you understand the change to our prescription
tax savings offered by certain benefits (e.g., health savings account and flexible spending accounts) drug benefit resulted
as well as how your health plan interacts with Medicare. in savings that'll allow
• Ayco financial coaches – Call 1-866-217-8691, Monday through Friday, 9 a.m. to 5 p.m. ET. Evening The Hartford to hold your
appointments available Monday through Thursday until 8 p.m. ET. Or schedule an appointment online. health plan premiums
flat next year.
 efore you meet with ALEX or an Ayco coach, look up your 2017 health care expenses, and if you’re
B
having surgery or a medical procedure next year, estimate your costs with these tools. Having this Get more details on page 6.
information on-hand will help you answer their questions.

*P
 lan members on long-term disability or COBRA and employees in Hawaii are
not eligible for health premium credits. In addition, to receive health premium
credits after Q1 2018, employees must complete the health risk assessment. continued
2018 BE N EF I TS EN R O L L ME NT GU I DE 4

STEPS TO PREPARE

3  rotect your money as well as your life. The Hartford offers Basic Life, Basic Accidental Death and
P
Dismemberment (AD&D) and Short-Term and Long-Term Disability insurance to help safeguard your
family’s finances. You can also purchase other insurance for additional protection, including Critical
Illness, Accident, Optional Life, Optional AD&D and Optional Long-Term Disability coverages.

4  actor in your well-being. In addition to improving your health and the way you feel, you can save on
F
your health plan premiums by taking advantage of our well-being programs.

5  nroll in your benefits between Oct. 12 and Nov. 3. When you’re ready, go to Fidelity NetBenefits® to
E
elect your benefits (Print or save your confirmation statement when you’re finished!). Remember, if you MEET ALEX, YOUR VIRTUAL
do not take action during this Annual Enrollment period, you’ll automatically receive: BENEFITS COUNSELOR
• Your current 2017 medical, dental and vision coverages. If you have a health savings account (HSA) In addition to offering guidance for
in 2017, your contribution election will automatically carry over for 2018. your benefit elections, ALEX helps
you understand how they work.
• Your current 2017 optional coverages, including Critical Illness, Accident, Life, Accidental Death and
Dismemberment (AD&D) and Long-Term Disability (LTD).
DID YOU KNOW?
• Basic Life and AD&D coverage – each equal to one times your annual pay up to $100,000
(unless you elected $50,000 to avoid imputed income). Get details. ALEX is available from any computer
with an internet connection at
• No participation in the following benefits (you must re-elect these each year): netbenefits.com/thehartford. That
» Health Care Spending Account and Dependent Day Care Spending Account means ALEX can offer guidance to
both you and your family members
» Purchased Paid-Time-Off (PTO)
about your coverages and tax-saving
opportunities.

You can also learn more about

the 2018 offerings from your
home computer or tablet on
the Benefits Resource site at
thehartford.com/mybenefitsresource.
2018 BE N EF I TS EN R O L L ME NT GU I DE 5

HELPING YOU CHOOSE

Resources to Help You Decide

To choose your benefits, it’s important to know how they work. These resources can help.

RESOURCE HOW IT HELPS YOU HOW TO ACCESS

Benefits Resource Site
Access this site where you’ll find: From work: go to “Life & Career” on iConnect
• Detailed benefit plan descriptions
From home: visit thehartford.com/mybenefitsresource
• “How-to” guides
• Fact sheets, videos and tools
• Information about programs to improve your physical,
emotional, financial and social health

ALEX, Virtual Benefits Interact with ALEX who'll ask a few questions about you ALEX is available from any computer with an internet connection
Counselor and your family and make recommendations for the at netbenefits.com/thehartford, so both you and your family
following benefits based on your specific needs: members can interact with him as you consider your options.
• Medical, dental, vision, Life, Disability, Critical Illness
and Accident coverages
• Health Care Spending Account and Dependent Day
Care Spending Account
• Prescription drug savings (mail-order drug program)

Ayco Financial Coaches Receive one-on-one counseling to help as you make Call 1-866-217-8691, Monday through Friday, 9 a.m. to 5 p.m. ET.
benefit decisions – at no cost to you. Evening appointments available Monday through Thursday until
8 p.m. ET. Or schedule an appointment online.1

HR Service Center Get answers to your benefits and enrollment questions. Call 1-877-HR-AT-WORK (1-877-472-8967).
Press “1” or say “Healthcare, 401(k) or Pension.”

Fidelity NetBenefits Go here to enroll in your benefits. You can also access From work: go to “Life & Career” on iConnect
your health savings account (HSA) and Investment and
From home: visit netbenefits.com/thehartford
Savings Plan (ISP)/401(k) account.

My Wellness At Work Get answers to well-being program and health plan Call 1-855-651-2910 or review the Well-Being eBook.
premium credit questions. Also, register and log in at mywellnessmywork.com

 o access Ayco from home or from the Benefits Resource site, you first need to register on the Aycofn® site from your work computer.
1T
After you access the site, click the “My Profile” icon in the top toolbar and select “Click Here” under “Website Access.”
The Ayco Company, L.P., (Ayco) is a subsidiary of The Goldman Sachs Group, Inc and an affiliate of Goldman Sachs & Co. LLC, a worldwide,
full-service investment banking, broker-dealer and asset management organization.
2018 BE N EF I TS EN R O L L ME NT GU I DE 6

HELPING YOU CHOOSE

What’s New or Changing for 2018

Before reviewing what’s new or changing for 2018, here’s a quick summary of the benefits and coverage options that will continue to be available:
• Three Consumer-Directed Health Plan (CDHP) options • Company-paid Short-Term Disability, Basic Life, Basic Accidental
with a Health Savings Account (HSA) Death & Dismemberment (AD&D) and Long-Term Disability (LTD)
• PPO – only for eligible employees who re-enrolled • Other coverages, including Critical Illness, Accident, Optional
in this option for 2017 Life, Optional Accidental Death & Dismemberment and
• Dental and Vision coverages Optional Long-Term Disability

• Health Care Spending Account and Dependent Day Care • Purchased paid-time-off (PTO)
Spending Account • Commuter Benefits Program
• Our award-winning well-being programs

Take time to understand the following changes before you make your 2018 elections on Fidelity NetBenefits, during the enrollment period,
Oct. 12 through Nov. 3.

BENEFIT CHANGE

PRESCRIPTION OPTUMRX® TO ADMINISTER PRESCRIPTION DRUG COVERAGE INSTEAD OF EXPRESS SCRIPTS INC.
DRUG CLAIMS
As of Jan. 1, 2018, The Hartford is moving the administration of What’s changing:
ADMINISTRATOR our prescription drug services from Express-Scripts to OptumRx. • Prescription drug coverage (formulary and clinical guidelines)
The change is a result of our participation in the Health
Transformation Alliance, which The Hartford joined last year. • Pharmacy network

With this change, we expect minimal disruption, as approximately • New option for maintenance medications
95 percent of drugs will stay in the same formulary tier and less than • Refill requirements
one percent of pharmacies that our members are using today will
• Specialty pharmacy program
become out-of-network.
We understand some employees may need help in making the What to expect next:
transition. The links to the right can help you understand what’s • Your prescriptions will automatically transfer to OptumRx
changing, if you need to take action and where to get help.
• You’ll receive new ID cards in December

continued
2018 BE N EF I TS EN R O L L ME NT GU I DE 7

HELPING YOU CHOOSE

BENEFIT CHANGE

FIDELITY HEALTH CONTRIBUTION LIMITS ARE INCREASING

SAVINGS ACCOUNT®
To align with Internal Revenue Service regulations, the health savings account (HSA) contribution limits are increasing for “individual” coverage
(HSA)
and “family” coverage under The Hartford consumer-directed health plan (CDHP) options, as of Jan. 1.
For individual coverage, the limit is increasing from $3,400 to $3,450 and for family coverage, the limit is increasing from $6,750 to $6,900.
Remember, The Hartford’s contribution to your HSA ($400 for individual and $800 for family) is factored into this limit. So, if you’re enrolling
in either the Standard or Value CDHP option and you want to contribute up to the IRS limit, you need to adjust your annual contribution
to the following amounts:
• For individual coverage, change your contribution to $3,050
• For family coverage, change your contribution to $6,100.

It’s a good idea to review your contribution amount during the enrollment period, but you can change it at any point during the year by calling
the HR Service Center, 1-877-HR-AT-WORK (1-877-472-8967), select option 1 – Health Care, 401(k) or Pension.

HEALTH PLAN COVERAGE ADDED FOR APPLIED BEHAVIORAL ANALYSIS THERAPY

(BOTH THE PPO
Effective Jan. 1, The Hartford’s health plan will cover Applied Behavioral Analysis (ABA) therapy, a treatment for children who have been
AND CONSUMER-
diagnosed with Autism Spectrum Disorder. The coverage will be available to dependents, age birth through 20.
DIRECTED HEALTH
PLAN OPTIONS) To receive coverage, the following are required:
• A diagnosis of Autism Spectrum Disorder completed by a psychiatrist, developmental behavioral pediatrician, psychologist or neurologist.
• Precertification before the services are rendered. Your provider will coordinate this step. Those receiving ABA services in 2017 who expect
to continue in 2018 will also require precertification to be eligible for coverage in 2018.
• Ongoing reviews for medical necessity. These will occur at specific intervals – typically every six months – throughout the child’s treatment.
The intervals may vary based on the child’s needs and the behaviors being addressed through therapy.
• Certain credentials – the ABA provider who delivers the treatment must be:
» An independently licensed professional such as a clinical social worker, clinical psychologist or master’s level therapist or
» A behavior analyst certified by the Behavior Analyst Certification Board

Note services provided in a classroom setting that are educational in nature are not covered. Also, additional terms apply – see the Summary
Plan Description document on NetBenefits, for details.

continued
2018 BE N EF I TS EN R O L L ME NT GU I DE 8

HELPING YOU CHOOSE

BENEFIT CHANGE

BENEFIT DEDUCTION BENEFIT COSTS TO BE DEDUCTED FROM ALL 26 PAYCHECKS EACH YEAR
SCHEDULE FOR
Beginning Jan. 1, benefit costs will be deducted from all paychecks for employees who are paid on a bi-weekly basis. This means the payments
EMPLOYEES PAID
will be spread out over 26 pay periods instead of 24.
BI-WEEKLY
The new deduction schedule change only applies to your health and benefit deductions. Your 401(k)/Investment and Savings Plan (ISP)
loan repayments and any ancillary deductions (e.g., homeowners and auto insurance) are not affected.
How It Works:
The table below compares the 26-week schedule to the 24-week schedule. In the 26-week schedule, the benefit cost deductions are lower each
pay period but the total amount paid at the end of the year is the same for both schedules.
In this example, the employee has an annual salary of less than $60,000 and selects the Standard consumer-directed health plan option and
the Enhanced Dental plan, both with family coverage.

Health Dental Total Benefit Costs for the Year (rounded)

26-week schedule: $126.72 $37.98 $4,282
24-week schedule: $137.28 $41.14 $4,282

PAID-TIME-OFF (PTO) PAYOUTS OF ACCRUED PTO WILL NO LONGER OCCUR FOR EMPLOYEES WHO LEAVE THE COMPANY
Background: The purpose of PTO is to give active employees time away from work so they can feel better, focus and perform at their best
when they return. It’s one of our employees’ most valued benefits, but faced with the need to reduce expenses, we chose this option because
it does not impact our active employees.
Also, this change does not apply to:
• Purchased PTO time – you can continue to purchase additional PTO time during the enrollment period, and if you leave the company,
any unused purchased time will be reimbursed
• Employees affected by any reductions in force (RIFs) that may occur after Jan. 1, 2018
• Employees in states that require PTO payout, including California, Illinois, Massachusetts, Colorado, Louisiana, Montana, Nebraska,
North Dakota and Wyoming. This list is subject to change.

Note that you will still be able to roll over up to five days of accrued, unused PTO at the end of each year.

continued
2018 BE N EF I TS EN R O L L ME NT GU I DE 9

HELPING YOU CHOOSE

BENEFIT CHANGE

SHORT-TERM COVERAGE FOR WORK-RELATED INJURIES IS CHANGING

DISABILITY
Effective Jan. 1, the Short-Term Disability plan will exclude disabilities This means that, if approved, you will be covered by one plan, but not
INSURANCE
resulting from a work related injury or illness. both, for the same injury or illness.
If you have an injury or illness that is work related, you may be covered
by our workers’ compensation program. If your injury or illness is not
work related, you may be eligible for Short–Term Disability benefits.

LEAVE OF ABSENCE EMPLOYEES ON LEAVE WILL BE ABLE TO BORROW PAID-TIME-OFF

POLICY
To offer additional flexibility to employees on an unpaid leave of
absence, we’re offering the ability to borrow up to the equivalent
of one work week of paid-time-off (PTO) to use during leave.
This means these employees can use the PTO, even if it hasn’t
accrued, to receive pay during an unpaid portion of the leave.
To “pay back” the PTO when the leave is over, the employee will need
to accrue the number of borrowed hours by the end of the year. If it’s
not possible to accrue the time before year-end, the balance will be
deducted from the employee’s PTO for the following year.
If the employee leaves the company before the time is accrued, he or
she will need to reimburse The Hartford for any remaining balance.

RETIREE CONSUMER- FEWER YEARS OF SERVICE REQUIRED FOR ELIGIBILITY

DIRECTED HEALTH
Fewer years of service will be required to be eligible for The Hartford • You must have completed at least five years of service at
PLAN (CDHP)
retiree consumer-directed health plan (Retiree CDHP). As of Jan. 1, The Hartford; and
the required number of years is being lowered from 10 to five. • Your age plus years of service must equal at least 65 or more
Note that your age plus years of service must equal 65 or more to be
eligible for the Retiree CDHP. So, with the change in required years Reminder: Retirees pay the full cost of this plan.
of service, the definition of eligibility will be as follows:
• You must be at least 55 years old and are less than 65 years old; and

ENHANCED RESOURCE

ALEX, YOUR ENHANCED TOOL OFFERS AN EVEN BETTER EXPERIENCE

VIRTUAL BENEFITS
ALEX is again available on NetBenefits to help you choose the benefits
COUNSELOR
for your needs and budget. This year, this tool has been enhanced to:
• Provide a better user experience, on all devices. Access ALEX
from any smartphone or mobile device – the flow of the conversation
has also been restructured so you can more quickly get the
information you need.
• Drive home the financial benefits of our programs. ALEX explains
how you can put money back in your pocket by contributing to a health
savings account (HSA), flexible spending account, or a 401(k) plan.
• Offer help with new topics. If you’re approaching Medicare eligibility,
get personalized guidance to help you understand how Medicare inter-
acts with your plans at The Hartford (including HSA limitations). He’ll
also explain the benefits of using an HSA for long-term expenses.
2018 BE N EF I TS EN R O L L ME NT GU I DE
BENEFIT ASSISTANCE
Quick Reference: Benefit Assistance
In addition to the resources on page 5, the following contacts can answer specific questions about your coverage and claims:
RESOURCE
Anthem
Express Scripts
OptumRx
Delta Dental of NJ
Blue View Vision
(administered by Anthem)
WageWorks
The Hartford’s Group
Benefits Call Center
HartLeave
My Wellness At Work
Download apps for these resources from the App Store for Apple or Google Play for Android.
GET ANSWERS ABOUT THESE BENEFITS
Health plan
2017 Prescription drug coverage
2018 Prescription drug coverage
Dental plan
Vision plan
• Health Care Spending Account
• Dependent Day Care Spending Account
• Commuter Benefits Program
• Critical Illness insurance
• Accident insurance
• Life and AD&D insurance
• Short-Term Disability
• Long-Term Disability
Well-being program and health plan premium
credit questions
10
DID YOU KNOW?
HOW TO ACCESS
It’s really important for you to add
1-800-801-6308 the following items to your to-do list:
anthem.com 1. U
 pdate your beneficiaries. If your
beneficiaries aren’t up-to-date,
1-800-233-7840 or you haven’t elected any, your
express-scripts.com hard-earned money and your
benefits might not be distributed
1-844-368-8712 according to your wishes if you
O
 ct. 12 through Dec. 31: should pass away. Especially if
learn.optumrx.com/hartford you’ve recently had life changes,
After Jan. 1: optumrx.com like marriage or divorce, it’s
important to update this
1-888-234-4612 information in NetBenefits.
deltadentalnj.com
2. R
 e-enroll in the following
benefits on NetBenefits during
1-866-723-0515 the enrollment period if you want
anthem.com them for next year. If you don’t
re-enroll, you won’t be able to
participate:
1-877-WageWorks (877-924-3967)
wageworks.com/Hartford • Health care spending account
• D
 ependent day care spending
1-866-623-8688 or account
thehartford.com/benefits-resource/ • Purchased paid-time-off (PTO)
other-coverages 3. B
 y March 31, 2018, submit your
health care spending account and
the dependent day care spending
1-800-727-9737
account claims for eligible
expenses incurred between Jan. 1,
Call 1-855-651-2910 or review the 2017 and Dec. 31, 2017. See a list
Well-Being eBook. Also, register and of eligible expenses for the HCSA
log in at mywellnessmywork.com and DCSA. Get details on how to
submit claims.
2018 BE N EF I TS EN R O L L ME NT GU I DE 11

WELL-BEING PROGRAMS

Benefit Two Ways: Be Well and Save On

Health Plan Premiums
In addition to improving your health and the way you feel, participation in our well-being programs can help you
save on your health plan premiums.
If you enroll in The Hartford’s health plan in 2018, you can earn up to $600 in credits toward your health premiums
next year by participating in programs and activities to improve your well-being.1
When you participate, you’ll earn wellness points. If you earn at least 10 wellness points during a quarter, you’ll receive
a $150 healthy lifestyle premium credit toward your health plan premiums the following quarter in 2018.

EASY WAY TO EARN Q1 2018 CREDIT

You can earn all 10 of the points needed for the first quarter 2018 $150 health plan premium credit in one easy step –
complete a free company-sponsored health screening by Nov. 3. Based on the results of your screening, you could also
earn up to an additional 15 wellness points toward future health plan premium credits.
And, you can earn two more wellness points this fall by receiving a free flu shot at one of our onsite flu clinics or
reporting a flu shot received outside of work on the wellness portal.
Learn other ways to earn wellness points by reviewing the Well-Being eBook.

SAVE MONEY FOR IMPROVING YOUR WELL-BEING

EARN AT LEAST 10 WELLNESS SAVE UP TO $150 PER

PARTICIPATE IN POINTS PER QUARTER AND QUARTER (OR $600
WELLNESS PROGRAMS COMPLETE THE ANNUAL PER YEAR) ON YOUR
AND ACTIVITIES HEALTH RISK ASSESSMENT HEALTH PREMIUMS!1

1T
 o be eligible to receive a health premium credit, you must be enrolled in The Hartford’s health plan. Plan members on long-term disability or COBRA and employees
in Hawaii are not eligible for health premium credits. In addition, to receive health premium credits after Q1 2018, you must complete the health risk assessment.
2018 BE N EF I TS EN R O L L ME NT GU I DE 12

IMPORTANT LEGAL NOTICES

The following information and notices are being provided to you in accordance with federal law. While not all of them may be relevant for you at this time,
you should review them, and you may want to retain a copy for your future reference.

ABOUT YOUR PRIVACY

SUMMARY OF BENEFITS AND COVERAGE

IMPORTANT INFORMATION: WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998

SPECIAL NOTICE OF ENROLLMENT RIGHTS UNDER THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPAA)

HEALTH INSURANCE PORTABILITY AND ACCOUNTABILTY ACT (HIPAA) PRIVACY NOTICE

CHILDREN’S HEALTH INSURANCE PROGRAM REAUTHORIZATION ACT OF 2009 (CHIPRA) NOTICE

NOTICE TO EMPLOYEES ON COBRA, LEAVE OR SEVERANCE

MEDICARE PART D NOTICE OF CREDITABLE COVERAGE

FIDELITY HSA

This guide is not intended to create, nor will it be construed to form, a contract or
promise for a benefit. Participation in the plans is subject to all applicable terms and
conditions of the plans. Full details about the plans are provided in the official Plan
Documents, which govern the operation of the plans. Any differences between this
guide and the Plan Documents are not intended, but if any differences are found to
exist, the Plan Documents will govern. Summary plan descriptions for The Hartford’s
health plan reflecting 2018 benefit changes will be available on NetBenefits
beginning Oct. 12, 2017. The plan administrator reserves the right to make all
interpretations with respect to the plans described here. The decisions of the plan
administrator are final and binding upon all participants. The Hartford reserves the
right, without your consent or concurrence, to amend, modify, suspend, replace, or
terminate the plans, in whole or in part, including any level or form of coverage or
contribution amount at any time. If the plans are amended, modified, suspended,
replaced or terminated, you or other employees may not receive benefits as
described here.
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries,
including issuing company Hartford Life and Accident Insurance Company. Home
Office is Hartford, CT. All benefits are subject to the terms and conditions of the
policy. Policies underwritten by the issuing company listed above detail exclusions,
limitations, reduction of benefits and terms under which the policies may be
continued in force or discontinued.
This information has been provided by The Hartford and is the sole responsibility
of The Hartford.
Aycofn® is a trademark of The Ayco Company, L.P., a Goldman Sachs Company.
This service is provided exclusively by The Ayco Company, L.P. Used with
permission. The Ayco Company, L.P., (Ayco) is a subsidiary of The Goldman Sachs
Group, Inc and an affiliate of Goldman, Sachs & Co., a worldwide, full-service
investment banking, broker-dealer and asset management organization.
All Optum® trademarks and logos are owned by Optum, Inc. All other brand or
product names are trademarks or registered marks of their respective owners.

YOUR WELL-BEING. MANAGED WELL.

17-0795 © September 2017 The Hartford