Part-Time Benefits Information - Ruby Tuesday Benefits Enrollment

2016
Part-Time
Benefits
Information
Stronger Together.
Bigger. Better. Benefits.
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Welcome to Your Benefits
As a company that values and recognizes the contributions of each Team Member, we are proud to offer you and your family a quality, comprehensive benefits
program. Recognizing the diversity of our population, Ruby Tuesday provides plans with the flexibility so each of you can select the right coverage based on your
individual needs.
Benefit Eligibility
You are eligible for benefits if you are a regular, part-time Team Member
You may also enroll your legal spouse.
Dependents under the age of 26 or dependents over the
age of 26 with a disability are also eligible for benefits.
New Employees: If you enroll in benefits
within 30 days of your hire date, your benefits
will be effective on the 1st of the month
following your date of hire.
Coverage options include: Employee-Only, Employee &
Spouse, Employee & Child(ren), and Family
What You Will Find in this Guide
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Welcome to Your Benefits
Enrolling in your Benefits
Medical Plan Options
Dental/Vision
Dependent Care FSA
7 Life/Disability/Worklife
9 Critical Illness
10 Employee Assistance Program
11 Premiums
12 Contact Information
Two Ways to Enroll:
Enrolling in Your Benefits
Call the Enrollment Center
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Call 1-888-659-0125
Making Changes
No changes to your coverage can be made until the next Open
Enrollment unless you have a Qualifying Life Event (QLE).
Go Online
Online Enrollment
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Go to electbenefits.com/
rubytuesday
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Enter Login: First two letters of
your first name and first four
letters of your last name plus
last for of your Social Security
number
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Enter Password: Your date of
birth as MMDDYYYY
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Click enroll when you’re ready!
Qualifying Life Event
If you experience a QLE, you may make corresponding changes to
your benefit coverage. Changes must be reported to Ruby Tuesday
Benefits Administration within 30 days of your QLE date. Examples of QLEs
include, but are not limited to, marriage, divorce, birth, adoption, change in
benefits eligibility, and death. Do this at www.awd.benselect.com/enroll.
Troubleshooting
Please contact the enrollment center
at 888-659-0125.
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Medical Plan Options
For 2016, the existing benefit plans were enhanced to include coverage for preventive and wellness services.
These new plans are now ACA compliant, meaning you’ll be protected from any potential tax penalty relating
to Health Care Reform. Now, let’s figure out which Benefit Plan you should consider electing:
Silver Plan
Gold Plan
Lowest Cost
Covers Preventive and
Wellness Services
Low Cost
Covers Preventive and
Wellness Services
Silver Plan
Gold Plan
Indemnity medical and preventive services
Indemnity medical and preventive services
No deductible
No deductible
Initial Confinement: $1,000
Daily Hospital Confinement: $400
Initial Confinement: $1,500
Daily Hospital Confinement: $600
Yes, $20 per day
Yes, $20 per day
What is the doctor’s office visit
benefit?
$75 per visit
$100 per visit
What will a wellness visit cost?
Free!
Free!
Will this plan protect me from the
individual mandate penalty?
Yes!
Yes!
What type of plan is this?
What’s the deductible?
What is the inpatient benefit?
Does this plan cover prescriptions?
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Dental and Vision Plans
Good dental health is a critical component of your overall health. Your dental plan is offered by Guardian, provided by
Allstate, and provides benefits for preventive, basic and major services. Orthodontia is available for children under age
19. The plan allows you to go to any provider you choose, but benefits are paid at a higher level when you use a Guardian
network dentist. To find a Guardian network dentist in your area, call 800-541-7846.
DENTAL
What type of plan is this?
Is there a network?
Dental PPO
A PPO dental plan allows you to see any participating dentist you like
Yes, Guardian
What’s the deductible?
$50, waived for preventive
What will a cleaning cost?
Is Orthodontia covered?
Is there an annual benefit maximum?
20% before deductible
Yes, for children under age 19
Yes, $1,000 Annually
If you wear glasses or contacts, you know vision expenses can add up. At Ruby Tuesday, vision benefits are offered by EyeMed Vision,
provided through Allstate Benefits. Even if you don’t wear contacts or glasses, annual eye exams are recommended. To find an innetwork optometrist or ophthalmologist near you, call 866-679-1358.
VISION
What type of plan is this?
Is there a network?
What will a vision exam cost?
What will prescription glasses cost?
What will contact lenses cost?
How often can I use my benefits?
Vision Base Plan
A base Vision Plan with copayments for exams, glasses and lenses
Yes, EyeMed
$10
Lenses: $25
Frames: Covered up to $130
Covered up to $130
Exam: Once every 12 mo
Lenses: Once every 12 mo
Frames: Once every 24 mo
Contacts: Once every 12 mo
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Dependent Care FSA
What is a Dependent Care FSA?
A Dependent Care Flexible Spending Account (FSA) allows you to set aside pre-tax funds to pay for dependent care expenses.
Since these contributions are not subject to federal, state or payroll tax withholding, you receive more value for the dollars you
spend on dependent care.
Each year you must elect the amount you want to contribute to your FSA. Your contribution will be deducted from your
paychecks in equal installments throughout the year and deposited into your account. If you are unable to estimate your
dependent care costs accurately, it is better to be conservative and underestimate rather than overestimate your expenses.
What can it be used for?
BE CAREFUL!
• Services provided by anyone other than your
spouse or your dependent for the care of your
children under the age of 13
• Services in a day care center
• Services of a housekeeper whose duties
include providing care for a qualified
dependent
• FSA funds are NOT yours to keep.
• By law, whatever funds you do not use by the
end of the year are forfeited!
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Paying for Qualified Expenses
• Each pay period, your designated FSA payroll
dedution is automatically deposited into your
FSA account
• Submit a claim form throughout the plan year
as you need your funds to pay for expenses
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Life, Disability, and Work-life Benefits
Voluntary Short Term Disability
Supplemental Term Life
60% of income up to $5,000 per month
Employee, Spouse, and Child Coverage
Allstate’s individual short term disability insurance replaces
a portion of your income if you are unable to work due to a
covered injury or illness. This coverage can pay a monthly
benefit to provide some income during a time of need.
Common reasons people use this coverage include
injuries, a covered pregnancy and digestive problems —
such as gall bladder surgery.
Life is unpredictable, but we all know that life has an
expiration date. If something happens and you are gone, will
your family be financially prepared to cover the expenses
left behind? With Term Life insurance from Allstate Benefits,
a cash benefit is paid to your beneficiary that can be used for
any financial need that arises. Plus, an Accidental Death and
Dismemberment benefit can be added to provide additional
coverage.
Voluntary Accident Insurance
Voluntary Universal Life
Low and High Benefit Options
Up to $500,000 of coverage Guaranteed Issue
Group voluntary accident coverage from Allstate Benefits
pays cash benefits for expenses associated with an
accidental injury and can help protect your finances should
an accidental injury occur. Our benefits correspond with
treatment for accidental injuries including hospitalization,
emergency treatment, intensive care, ambulance, fractures,
medical expenses, plus more.
Life insurance coverage is for the living; those left behind
must deal with final expenses, bills, mortgage, and expenses
associated with day-to-day life. It can also help provide financial
security during life-changing events that occur as you age and
your needs change. Plus, fund value accumulation allows for
loans and withdrawals when needed.
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Life, Disability, and Work-life Benefits
Identity Theft Protection
Employee Stock Purchase Plan
Two Coverage Levels Available
Purchase Ruby Tuesday Stock Through Payroll
LifeLock works to detect potential threats, alert you as soon
as they detect a threat, and restore your identity in the case
you do become a victim.
Ruby Tuesday is proud to announce the Employee Stock
Purchase Plan. You will be able to purchase Ruby Tuesday
stock using your payroll deductions. There’s no fee, either!
Pet Insurance
529 College Savings Plan
Choose Any Vet You’d Like
Save For College Through Payroll Deductions
Pets are part of the family too, so why not insure them as well?
Our Pet Insurance covers accidents, illnesses, procedures,
x-rays, and more. Chronic Condition coverage included!
Saving early for education is one of the most important
decisions parents can make. Set aside earnings after-tax to
help save for college expenses through payroll deductions.
Roadside Assistance
Low and High Benefit Options
You and your covered family members are always prepared
for the unexpected with 24/7 service.
Ruby has Heart
Give Back and Lend a Hand to Your Peers.
Sometimes we all need a helping hand. This relief effort
provides financial assistance to Ruby Tuesday employees in
time of natural and man-made disasters and crises.
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Educational Assistance Program
Tuition Reimbursements for Qualified Expenses
Earn up to a $1,000 per calendar year reimbursement based
off of good grades and academic excellence. Team Members
must apply and be approved prior to enrollment.
Critical Illness with PinnacleCare
Allstate Benefits Critical Illness
30%
Nearly
of medical
conditions are misdiagnosed*.
With PinnacleCare by your side, you will gain the
peace of mind that comes with having an objective,
unbiased resource to help guide you and your family
through your most pressing health care challenges.
* Compiled from data published by the Journal Allstate Benefits’ coverage helps offer financial support if you
are diagnosed with a covered critical illness. With the expense
of treatment often so high, seeking the treatment you need
seems like a heavy financial burden. But when a diagnosis
occurs, what you should be focusing on is getting better. With
Allstate Benefits, you gain the power to take control of your
health when faced with a covered event. Allstate Benefits and
PinnacleCare teamed up to offer protection and support for
you at a time of diagnosis.
of The American Medical Association, 2009-2012.
PinnacleCare Health Advisory Support
In addition to your Critical Illness coverage from Allstate Benefits, you have access to health advisory services powered by PinnacleCare.
To help you navigate through your illness, this enhanced health concierge service offers a unique combination of:
exceptional
medical resources
unmatched
range of services
expert
guidance
Here’s How It Works
Upon diagnosis of a covered critical illness, you contact PinnacleCare. Your advisor will help you to navigate through your health
care challenge and connect you with top experts who can guide you to appropriate care and treatment.
Your PinnacleCare advisor will:
Help - Help you better understand your diagnosis and treatment options
Collect - Collect, organize and review your medical records
Identify -Identify a top medical expert to confirm the details of your diagnosis and appropriate treatment options (in-network and out-of-network options offered)
Facilitate - Facilitate and schedule your appointment in an expedited manner
Coordinate - Coordinate transfer of medical records for review prior to your scheduled appointment
Follow Up - Follow up with you to ensure you are on the right path
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Employee Assistance Program
Some days it can be tough to manage the competing
priorities in our lives, and keep it all running smoothly.
If you need help with everyday issues that are becoming
a little hard to handle, or you find yourself in a crisis
situation, your Employee Assistance Program (EAP) is
here for you.
The EAP through BalanceWorks® is a confidential roundthe-clock service that helps employees and their families
balance the demands of work, life and personal issues. We
can offer support and resources for your concerns around
parenting issues, work-related situations, relationship
problems, substance abuse or even self-improvement.
And, this employer-paid program is available to you,
your spouse and others in your household.
Services Available
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Counseling services
Legal and Financial Consultations
Personal Assistant
Personalized Web Portal
Confidential Conversations
When you call our EAP, a trained professional will
confidentially help you assess your needs and provide
referrals to local resources at your request. We have
community and professional services available, such
as psychologists, marriage and family therapists and
substance abuse counselors, to help you balance your
work and home life.
Ready When You Are
We’re available whenever you are. We’re here 24 hours
a day, 7 days a week either by phone or online. If it’s not
convenient to call, you can find resources and self-help
tools for your personal, family and work-related concerns
on the EAP website. EAP covers the first 3 counseling
sessions with referral at 100%. Additional visits after that
have a cost associated.
Contact
800-327-2255 or mybalanceworks.com Member ID: 21870326, Group ID: 8693
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Premiums
Note: These are weekly deductions.
Medical
Silver
Gold
Employee Only
$26.60
$35.39
Employee + Spouse
$48.89
$61.73
Employee + Child(ren)
$44.29
$55.17
Family
$64.69
$81.42
Dental
Dental PPO Plan
Vision
Vision Base
Employee Only
$4.95
Employee Only
$1.89
Employee + Spouse
$9.86
Employee + Spouse
$3.60
Employee + Children
$14.83
Employee + Children
$3.78
Family
$20.44
Family
$5.55
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Contact Information
Allstate Medical
800-937-7039
Eligibility and Claims
Guardian Dental
800-541-7846
EyeMed Vision
866-299-1358
Allstate Voluntary
866-679-3054
LifeLock
800-543-3562 or LifeLock.com
VPI Pet Insurance
877-202-8742 or PetsVPI.com
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