2016 Benefits Enrollment E-Guide - Newell Rubbermaid | Go to the

OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
NEWELL RUBBERMAID
OTHER BENEFITS
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
2016 Benefits
Enrollment E-Guide
FOR U.S. EMPLOYEES* This E-Guide is designed for onscreen viewing, allowing you to navigate through
the document at your own pace based on the information that is most relevant
to you. Roll over the navigation menu at the top of each page to quickly jump
to any section of the E-Guide.
CLICK HERE TO GET STARTED
OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
1
You must enroll or waive coverage at:
my.newellrubbermaid.com > Employee Connection >
New Hire or Life Events > New Hire
GO ONLINE FOR MORE
BENEFITS ENROLLMENT INFORMATION
www.NWLBenefits.com/NewHire
IMPORTANT: You must enroll or waive
coverage within 30 days of your hire date.
This E-Guide is intended to summarize key features of your benefits. Complete details of each benefit can be found in the formal plan
documents. In the event of any conflict between this E-Guide and the formal plan document, the formal plan document will govern.
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OVERVIEW Continued >>
OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
NEWELL RUBBERMAID
OTHER BENEFITS
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
OVERVIEW
At Newell Rubbermaid we want you to be Well & Good. To remain healthy,
vibrant and productive, you’ll want to choose the right benefits for you and
your family’s particular needs.
Benefits Enrollment provides that opportunity—a chance for you to review
your options and decide on your 2016 coverages.
Start thinking about your choices by reviewing this E-Guide. It offers a quick reference and overview of your
Newell Rubbermaid benefits.
Your tasks are simple:
• Read and review this E-Guide, and share this information with your family.
• Ask questions if you need additional information.
• Choose the right coverages for you and your family.
• Enroll at my.newellrubbermaid.com > Employee Connection > New Hire or Life Events > New Hire, or
waive coverage for the 2016 plan year.
If you do not enroll within 30 days of your hire date, you will not have coverage in 2016.
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MEDICAL >>
2
OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
MEDICAL
Live Tobacco Free Program
The Live Tobacco Free Program
includes online support and
one-on-one coaching to help you
and your family members break
a tobacco habit. Coaches are
specially trained and are available
by phone or instant message.
With the online program, you get
10 interactive sessions where
you’ll learn positive strategies
to help break your emotional
and physical ties to tobacco.
Call 1-855-383-7231 for details.
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E
R
F
F
R
E
E
E
Not sure if your doctor is in the network? No problem.
Visit www.NWLBenefits.com/find-a-doctor for the provider
look up tool. Or call 844-736-4439 for personal assistance.
24/7 Nurseline
The 24/7 Nurseline is available
to you and your covered family
members who have health
concerns and need to speak
with a registered nurse. Nurses
can help you choose providers,
help you decide whether you
should see a doctor based on
your symptoms, and answer
your health-related questions.
Call 1-800-700-9184 for details.
E
E
E
R
R
F
F
HOW TO FIND AN
ANTHEM PROVIDER
E
We want to make sure we have the best provider network for our employees. That’s why we partner with Anthem BlueCross
BlueShield (Anthem) to provide your medical benefits. Anthem gives us a broad network of participating doctors across the U.S.
Anthem also helps people manage their conditions, stay on top of their treatment plans, and find great doctors.
Future Moms
ConditionCare Program
Future Moms is a support program
for expecting mothers. When
you or a covered family member
becomes pregnant, sign up for this
program to be paired with a nurse
who will help answer questions
about pregnancy and support the
expecting mother as she follows
her healthcare provider’s care plan.
Getting involved in this program
is a great first step to a healthy
pregnancy and safe delivery. Earn
up to $400 (depending on when
you enroll) in your HSA bank
account and a Graco product
for participating in this program.
The ConditionCare Program
gives you and your covered
family members access to
nurses, pharmacists, dietitians,
doctors and other healthcare
professionals to help manage
long-term or chronic medical
conditions like asthma, diabetes,
chronic obstructive pulmonary
disease (COPD), heart failure
and coronary artery disease
(CAD). Earn $300 in your HSA
for participating in the program
and meeting your goals.
Call 1-844-736-4439 for details.
Call 1-844-736-4439 for details.
Telemedicine through MDLIVE
Telemedicine provides you with direct access to
affordable, quality medical care through a national network
of doctors available on-demand, 24/7, through video and
telephone. You pay only $38 per telemedicine visit.
Call 1-888-632-2738 for details.
MEDICAL Continued >>
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
MEDICAL
Want a $50 discount on your monthly medical rates?
Earning your 2016 Stay Healthy Reward is simple, and saves you money.
IT’S EASY…
GET A PHYSICAL:
Get a physical within 90 days of your date of hire. If you’ve gotten a physical within 12
months of your hire date, that counts too.
COMPLETE THE FORM:
Go online to www.NWLBenefits.com to let us know you got your physical. You’ll see
a link to the “I Got My Physical” form right on the home page. Remember, if you are
covering a spouse/domestic partner, he/she will need to complete the form too.
STAY HEALTHY REWARD
Newell Rubbermaid will reduce your
medical rates by $50 each month
in 2016 for getting your physical —
that means up to $600 more in your
paycheck over the year!
SEE THE REWARD ON YOUR PAYCHECK:
Once you get your physical and complete the form, and as long as you remain in the
medical plan, your 2016 paycheck will reflect a Stay Healthy Reward discount credit
of $50 per month ($600 per year) on your medical rates.* This Stay Healthy Reward
will be reflected on all of your 2016 paystubs.
Visit www.NWLBenefits.com for the details.
If you enroll in the medical plan as a result of a life event later in 2016, you can also earn
a Stay Healthy Reward. In that case, you and your covered spouse/domestic partner
just need to get an annual physical and submit the form within 90 days of the life event.
* Employees and covered spouses/domestic partners who don’t take action will spend an additional $50 per month for medical
coverage in 2016 than those who get a physical.
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MEDICAL Continued >>
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
CHOOSE YOUR MEDICAL PLAN
These are high-level features only. Refer to the plan document for complete coverage details.
HSA INDEPENDENCE PLAN
FREE PREVENTIVE CARE
Medical Rates
(View your 2016 rates)
FIRST you pay an annual deductible
(remember you can use funds in
your HSA bank account)
In-Network
Out-of-Network
In-Network
Out-of-Network
Plan pays 100%,
no deductible
Plan pays 50%,
after deductible
Plan pays 100%,
no deductible
Plan pays 50%,
after deductible
Lower rates but
higher deductible
$2,500 individual/
$5,000 family
Company Contribution to HSA
(remember you can also earn
rewards with the Future Moms
and ConditionCare programs)
THEN you and Newell Rubbermaid
pay coinsurance for these in-network
services (amount shown is what
Newell Rubbermaid pays; you pay
the rest)*
THEN Newell Rubbermaid
pays the remaining eligible
expenses for the year*
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Higher rates but
lower deductible
$5,000 individual/
$10,000 family
$1,400 individual/
$2,800 family
$2,800 individual/
$5,600 family
$250 annually (deposited into HSA bank account
as quarterly installments of $62.50)
Newell Rubbermaid
pays 80% after
deductible for all
covered services,
including doctor’s
office visits; maternity
services; urgent care;
x-rays; labs; inpatient
hospital stays; ER
visits; and mental
health, alcohol and
substance abuse
treatment
Your Responsibility*
IF the amount of your responsibility,
including your deductible, reaches
this annual out-of-pocket maximum
HSA FREEDOM PLUS PLAN
Newell Rubbermaid
pays 50% after
deductible (80%
after deductible for
ER visits)
2.
$5,500 individual/
$8,250 family
(but no more than
$6,850 for one
individual)
Newell Rubbermaid
pays 80% after
deductible for all
covered services,
including doctor’s
office visits; maternity
services; urgent care;
x-rays; labs; inpatient
hospital stays; ER
visits; and mental
health, alcohol and
substance abuse
treatment
100%
$3,650 individual/
$5,475 family
In 2016, there will be a
$250 penalty* for using the
emergency room in a nonemergency situation. Check
out www.NWLBenefits.com
for guidance on when to visit
the emergency room, and
when to use other alternatives
for non-emergencies. Did you
know MDLIVE and urgent care
centers are great alternatives
for non-emergencies?
Newell
Rubbermaid
pays 50% after
deductible (80%
after deductible
for ER visits)
* In 2016, each time you visit the
emergency room for a nonemergency:
• If you have not met your
deductible, the first $250 of the
visit will not apply to your 2016
deductible or your out-of-pocket
(OOP) maximum.
1. The deductible
Your share of coinsurance
$11,000 individual/
$16,500 family
IS IT A REAL EMERGENCY?
$7,300 individual/
$10,950 family
• If you have met your deductible,
Newell Rubbermaid’s coinsurance
will not be applied to the first
$250 and will not apply to your
2016 OOP maximum.
• If you have met the OOP maximum,
you are responsible for the first
$250, then Newell Rubbermaid
will pay 100% for eligible expenses
above that amount.
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
2016 MEDICAL RATES
Newell Rubbermaid pays the majority of your medical and dental costs; you pay the rest. Rates shown are pre-tax rates.
NON-TOBACCO USE
with Stay Healthy Reward
NON-TOBACCO USE
Medical (monthly)
HSA
Independence
HSA
Freedom Plus
IF YOUR ANNUAL BASE PAY IS LESS THAN $100,000
Employee Only
$132
$231
Employee + Spouse/
Domestic Partner 1, 2
$219
$427
Employee + Child(ren)
$211
$409
Family 1, 2
$251
$499
HSA
Independence
Stay
Healthy
Reward
=
$50 per
month
discount
IF YOUR ANNUAL BASE PAY IS $100,000 OR MORE
HSA
Freedom Plus
LESS THAN $100,000
$82
$181
$169
$377
$161
$359
$201
$449
$100,000 OR MORE
Employee Only
$160
$272
$110
$222
Employee + Spouse/
Domestic Partner 1, 2
$279
$511
$229
$461
Employee + Child(ren)
$268
$489
$218
$439
Family 1, 2
$322
$598
$272
$548
COMPLETE THE REQUIREMENTS OF
THE TOBACCO CESSATION PROGRAM
TO AVOID THE TOBACCO SURCHARGE
+
$50 / MONTH FOR
NOT EARNING THE
STAY HEALTHY
REWARD
+
$100 / MONTH
TOBACCO
SURCHARGE3
+
$100 / MONTH
WORKING SPOUSE/
DOMESTIC PARTNER
SURCHARGE 1
1
If your spouse/domestic partner has coverage available through an employer, but chooses to enroll in a Newell Rubbermaidsponsored medical plan, you will pay a $100 per month pre-tax charge for his/her coverage. During the enrollment process, if you
elect Employee + Spouse/Domestic Partner or Family Coverage, you will be required to validate if your spouse/domestic partner
has coverage available through another employer. The rates shown here do not include the additional $100 per month charge.
2
Enrolling a domestic partner? If your domestic partner is not your tax dependent, Newell Rubbermaid will withhold taxes
attributable to the portion of the coverage provided to the domestic partner and dependent children, if any.
3
If you or any family member enrolled under your 2016 medical coverage is a tobacco user, you will pay a $100 monthly tobacco
surcharge in 2016 on a pre-tax basis.
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HOW DOES
$250
SOUND TO YOU?
Just enroll in a Newell Rubbermaid
medical plan, and it’s yours. All
employees who enroll in a medical
plan will receive up to $250 in
their HSA account in 2016. Newell’s
contribution is paid in quarterly
installments of $62.50.
KICK THE HABIT & SAVE MONEY
If you or someone in your family
wants to quit smoking but needs a
little support, Newell Rubbermaid
offers a free tobacco cessation
program. Complete the requirements
of the program and avoid the
$100 PER MONTH SURCHARGE
on your medical rates. Call
1-855-383-7231 to get started.
Learn how one employee is kicking
the habit!
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
BE A SMARTER CONSUMER
Newell Rubbermaid helps you be a smarter consumer by providing you with a healthcare shopping tool, Healthcare Bluebook,
which provides price and quality data on medical procedures.
PRICE
For example, let’s assume you hurt your knee
while exercising and need to get an MRI.*
For some medical procedures, like MRIs, there are no
real quality differences—but there can be significant
cost differences. With the Healthcare Bluebook tool,
you see that a fair price for an MRI in your area is
$642. But, you can get one for as low as $237 and
has high as $2,528.
Without using Healthcare Bluebook, you may have
unknowingly paid as much as 10 times the low cost
for an MRI. That’s like paying $25 for a gallon of gas,
simply because you didn’t check the cost!
THE HEALTHCARE
BLUEBOOK TOOL
HELPS YOU:
• SEARCH by
medical procedure
• SEE the estimated
fair price
• CHOOSE a local provider
• REVIEW quality scores
• SAVE money
And, because Healthcare Bluebook is mobile-enabled
and accessible through the app on your smartphone,
you can always have this tool at your fingertips!
* For illustration purposes only. Actual prices shown in Healthcare Bluebook may vary depending on your location.
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MEDICAL Continued >>
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
BE A SMARTER CONSUMER
QUALITY
Now let’s look at an example of how
Healthcare Bluebook can improve the
quality of your healthcare.*
Finally, Healthcare Bluebook can help you
select a provider by allowing you to click
on the facility to view more details.
Let’s say your MRI shows that your knee injury is
serious, and you need a total knee replacement.
This way, you can find additional hospital
information, quality and patient satisfaction
scores.
For inpatient procedures like knee replacements,
there can be significant quality differences from
one hospital to the next, and even between
different procedures within the same hospital.
You may consider a certain hospital to be “high
quality,” but that doesn’t mean it applies to all
procedures.
Using Healthcare Bluebook, you can see that
there are 5 hospitals in your area with high
quality ratings for knee replacement surgeries. In
addition, there are 6 facilities with average ratings,
and many others with below average ratings.
Wouldn’t you want a highly-rated provider to
perform the care you need at a fair price?
READY TO START CHOOSING BETTER AND SAVING MONEY?
Visit www.healthcarebluebook.com/cc/nwl, call 1-800-341-0504 or email
[email protected].
* For illustration purposes only. Actual prices shown in Healthcare Bluebook may vary depending on your location.
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MEDICAL Continued >>
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
HOW THE HSA WORKS
A Health Savings Account (HSA) is an excellent way for you to save money, before taxes, to pay for eligible medical expenses.
Newell Rubbermaid gives every employee who enrolls in a medical plan up to $250 per year in his or her HSA. Here’s more
information on the benefits of an HSA.
HSA Features
What is it?
Who contributes to the HSA?
Who cannot contribute?
What can the money
be used for?
Can the money
be invested?
A bank account called a Health Savings Account (HSA)
offered through HealthEquity, Anthem’s HSA partner
ADVANTAGE
If you are age 65 or older and enrolled in Medicare, or if you have health coverage under another
medical plan that is not a high deductible plan, you can enroll in one of our medical plans, but neither
you nor Newell Rubbermaid can contribute money into the HSA bank account tied to the plan.
When you contribute to an
HSA, you don’t pay taxes:
Eligible healthcare expenses: medical, prescription, dental and vision
Visit www.NWLBenefits.com for a full list.
Yes, once contributions reach $1,000, you can invest the money in funds,
like a 401(k) plan through your account.
Yes
Can I use the money on eligible
healthcare expenses if I leave
the company?
Yes
How do I set up
my account?
1) on your contributions
2) on your investment
earnings
3) when you withdraw
the money to pay for
eligible expenses
Yes. You can earn rewards under the Future Moms
and ConditionCare programs, which are deposited into your HSA account.
Enrollment in the HSA is simple. During the Open Enrollment process, just select “Yes. I want an account.”
Newell Rubbermaid will open the account for you.
* This is what you may contribute including contributions from Newell Rubbermaid. However, if you receive other wellness rewards deposited
into your HSA, like FutureMoms or Condition Care rewards, simply subtract those amounts from these figures, and you may contribute the
remainder.
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TRIPLE TAX
Newell Rubbermaid contributes up to $250 (deposited into your HSA bank account
as quarterly installments of $62.50). You can contribute, too.
The maximum contribution amount that both you and Newell Rubbermaid can make together to your HSA in
2016 is $3,350 with Individual coverage and $6,750 with Family coverage, and $1,000 catch-up for ages 55+.*
Can I roll over the unused
money from year to year?
Can I earn additional
wellness rewards?
GET A
ALREADY HAVE AN HSA?
You can access it at
www.anthem.com or use
the Health Equity app.
MEDICAL Continued >>
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
ENROLLMENT
NEWELL RUBBERMAID
RESOURCES
2016 BENEFITS ENROLLMENT
PRESCRIPTION DRUGS
Prescription drugs are a critical component of your medical plan.
Express Scripts is the provider that partners with Anthem for pharmacy benefits.
You’ll first have to meet the annual medical deductible associated with the plan you
choose, then Newell Rubbermaid will pay coinsurance for these drugs (percentage shown
below is what you pay; the Company pays the rest). Once you reach your out-of-pocket
maximum, Newell Rubbermaid will cover 100% of your eligible prescriptions.
FIRST you pay 100% for medications until your medical deductible is met.
YOU PAY
THEN you and Newell Rubbermaid
pay coinsurance for these drugs
(percentage shown is what you pay;
Newell Rubbermaid pays the rest).
Generic
30%
Preferred brand
40%
Non-preferred brand
50%
Specialty Drugs (Oral or Injectables)
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30% (up to $250 per fill at retail)
TAKE NOTE!
GENERICS REQUIRED. Generic medications
are a safe and easy way for you to save on
healthcare. Generics use the same active
ingredients and have the same effectiveness
as name-brand medications, but at a fraction
of the cost. Newell Rubbermaid covers many
generics at 100%. If you choose a brand name
drug with a generic alternative, in most cases
you’ll be required to pay the difference in price
– and that extra cost won’t count toward your
deductible or out-of-pocket maximum.
ADDITIONAL LOW COST GENERICS
AVAILABLE! Newell Rubbermaid offers a list of
additional generics for which the deductible will
be waived. That means lower costs for you! The
categories are below; check out the detailed list
at www.NWLBenefits.com.
• Birth control
• Nausea and vomiting
• Blood clots
• Osteoporosis
• Flu
• Prenatal vitamins
• High blood pressure
• Prescription vitamins
• High cholesterol
• Smoking cessation
• Malaria
• Vaccines
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
ADDITIONAL PRESCRIPTION DRUG PROGRAMS
Express Scripts offers two special prescription drug programs that apply if you or a covered dependent takes regular maintenance
medication or has special needs.
Mail Order for
Maintenance Prescriptions
Take regular prescription medications
on an ongoing, daily basis? If so, you’re
required to use the Express Scripts
mandatory mail order program.
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Step Therapy
The Step Therapy program allows you
and your doctor to develop a costeffective treatment that is right for you.
DENTAL >>
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
DENTAL
Delta Dental offers Newell Rubbermaid employees personalized service. This is another way we are keeping your health and
wellness a priority. You can see any dentist you want, but discounts will not apply if you go out-of-network. Stay in the Delta Dental
PPO network and save.
Dental Rates (monthly) 1
Employee Only
$8.00
Employee + Spouse/
Domestic Partner
$17.00
Employee + Child(ren)
$16.00
Family
$20.00
Dental rates shown are pre-tax rates.
Enrolling a domestic partner? If your
domestic partner is not your tax dependent,
Newell Rubbermaid will withhold taxes
attributable to the portion of the coverage
provided to the domestic partner and
dependent child(ren), if any.
1
FREE PREVENTIVE CARE
The Plan pays 100% for these in-network preventive care
services: oral exams; routine cleanings and bitewing X-rays
(2 per calendar year); full-mouth X-rays and a panoramic
X-ray (1 complete set every 3 calendar years); fluoride
application (1 per calendar year under age 19); sealants
(under age 16; limited to posterior teeth; 1 treatment per
tooth every 3 calendar years); space maintainers
You can see any dentist, but
you will get the best pricing
if you select a dentist in the
Delta Dental PPO network.
FOR ALL OTHER SERVICES:
FIRST you pay an
annual deductible.
THEN you pay coinsurance
(amount shown is what the
Plan pays; you pay the rest).
$25 individual/$75 family
The Plan pays 80% for these basic services: fillings, root
canal therapy; denture adjustment and repair; osseous
surgery; periodontal scaling and root planing; extractions;
anesthetics; oral surgery; emergency care to relieve pain
Visit Delta Dental at
www.DeltaDentalins.com/
NWL to find out if your
dentist is in the Delta Dental
PPO or Premier network.
The Plan pays 50% for these major services: crowns,
bridges, dentures, implants
Visit www.DeltaDentalins.com/
NWL for complete information.
$1,500 annual maximum for services except orthodontia
Up to this annual maximum.
The Plan pays 50% for children’s orthodontia (under age 19)
The lifetime maximum for orthodontia is $1,500
DELTA DENTAL HAS A DEDICATED NEWELL RUBBERMAID PHONE NUMBER:
1-800-471-4195
DOWNLOAD THE DELTA DENTAL APP ON YOUR SMARTPHONE TO LOOK UP
DENTISTS AND CHECK CLAIMS.
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VISION >>
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
VISION
A clear view of your benefits helps you steer toward success, personally and professionally, and carrying vision coverage protects
one of your most important senses, your sight. VSP is the preferred partner for Newell Rubbermaid employees and their dependents
to realize excellence in vision. You’ll see savings on vision services, glasses and/or contacts when you use a VSP vision provider.
Vision Rates (monthly) 1
1
Employee Only
$6.96
Employee +
1 Dependent
$10.06
Family
$16.56
Vision rates shown are pre-tax rates.
Enrolling a domestic partner? If your
domestic partner is not your tax
dependent, Newell Rubbermaid will
withhold taxes attributable to the
portion of the coverage provided to
the domestic partner and dependent
child(ren), if any.
FIRST you
pay a small
copay for:
THEN the
plan pays for
these services
and supplies:
Eye exam
$10 copay
Prescription glasses
$20 copay
100%,
once per calendar year
Eye exam
Prescription glasses lenses and frames
Lenses (single vision, lined bifocal and lined trifocal)
Lenses/Frames:
$140 allowance
OR
Contacts
Once per calendar year. When you choose contacts
instead of glasses, your $140 allowance applies to
the cost of your contacts. The fitting and evaluation
exam is covered separately. You pay a $60 copay;
then the plan pays 100%. This exam is in addition
to your vision exam to ensure proper fit of your
contacts. If you select contacts, you will be eligible
for a frame the following calendar year.
Contacts:
You pay 100% of the
cost above the $140
lenses/frame allowance;
you pay a $60 copay for
exams and fittings, then
the plan pays 100%.
You can see any eye doctor
you want, but you’ll save on
vision services, glasses and
contacts when you use a
VSP vision provider.
To find a VSP doctor, or
to print your VSP ID Card,
visit www.vsp.com or
call 1-800-877-7195.
Other VSP Discounts and Savings
Laser vision correction (LASIK) discounts
Prescription glasses
• Polycarbonate lenses for dependent children covered 100%
• Up to 20% savings on lens extras such as scratch-resistance and anti-reflective coatings and progressives
• 20% off addition prescription glasses and sunglasses*
Contacts
Exclusive pricing on annual supplies of popular brands; 15% off the cost of a contact lens exam (fitting and evaluation)*
Hearing aid
Discounts available through TruHearing
*Available from the same VSP doctor who provided your eye exam within the last 12 months
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RETIREMENT >>
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
RETIREMENT
Your financial health is critical to your success too, and that’s why we offer two benefits to help you prepare for retirement. If you’re not
saving, here’s how. If you are saving, we challenge you to consider saving a bit more. It’s for your future after all.
401(k) PLAN
The 401(k) Plan makes it easy to save for retirement. Here’s how it works:
• You can save up to the annual IRS contribution limits established for the
calendar year.*
• Your contributions can come out of your pay in two ways:
1. Tax-free, which lowers your taxable income, or
2. After-tax contributions to the Roth 401(k).
• You get free money from company matching contributions to help your account
grow — save 5% of your pay in the 401(k) Plan, and we’ll give you 4% more, free.
• You choose how to invest your savings in any combination of funds in the plan.
Personal Asset Manager program is a part of the 401(k) plan. This program offers
professional investment advice and account management services to help you reach
your savings goals. You can try the Personal Online Advisor resources and take charge
of your investments, or if you want professional help, you can partner with certified
financial advisors. This program is available through Advised Assets Group, LLC (AAG).
To learn more, visit www.retireonline.com.
START SAVING TODAY Visit www.retireonline.com
• USER NAME — Social Security number
• PASSWORD — Last four digits of Social Security number and birth month and day (MMDD)
Or call 1-800-345-2345, M-F from 7a.m.– 8 p.m. CT
* In 2016, the limit is $18,000 for regular contributions, and $6,000 in catch-up contributions if you are age 50 or older.
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RETIREMENT Continued >>
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OVERVIEW
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2016 BENEFITS ENROLLMENT
RETIREMENT
RETIREMENT SAVINGS PLAN (RSP)
When you work more than 1,000 hours a year and are employed on Dec. 31, Newell
Rubbermaid automatically contributes to your RSP account. That’s free money in
addition to the company match on your 401(k) savings. Company contributions to
the RSP are based on age plus years of service. These annual RSP contributions are
based on your base pay capped at the IRS earnings limit of $265,000 (for 2016).
You are 100% vested in the RSP after three years of service.
RSP Contributions
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If Your Age + Years of Service Equal
The company will contribute
Less than 40
2% of pay
40 to 49
3% of pay
50 to 59
4% of pay
60 or more
5% of pay
OTHER BENEFITS >>
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OVERVIEW
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2016 BENEFITS ENROLLMENT
OTHER BENEFITS
IDENTITY THEFT PROTECTION
Millions of people have their identities stolen every year. You don’t have to be one of them.
ID theft has been the top consumer complaint for almost two decades. Criminal methods have become
increasingly sophisticated, while victims must spend excessive time, money and effort dealing with theft
situations.
With IDShield, you can purchase ID Theft coverage that includes personal consultations with ID theft
experts, privacy and security monitoring services, restoration services, plus an exclusive member website
and mobile app.
IDShield understands the current potential threats, how to prevent them and how to restore any damage done.
Their coverage includes:
MONITORING MORE OF WHAT MATTERS
IDShield monitors the safety of your identity from every angle. This includes not only your Social Security
number, credit cards and bank accounts, but also your social media accounts. If any change in your status occurs,
you receive an email update immediately.
COUNSEL WHEN YOU NEED IT
IDShield specialists are truly focused on protecting you. They can provide a complete picture of how identity
theft can hurt you and your family, answer questions, and walk you through the process of protecting yourself.
And they are available 24/7 in the event of an emergency.
RESTORING YOUR IDENTITY
IDShield is the only company with an exclusive partnership with Kroll, the worldwide leader in theft investigative
services. If a compromise occurs, a Licensed Private Investigator will be assigned your case and immediately
begin to restore your identity to exactly the way it was.
2016 ID Theft Protection Rates
(monthly)
Employee Only
$8.45
Family*
$15.95
* Children covered to age 18.
For more information on IDShield and the services they provide, visit www.idshield.com or call 1-800-789-2720.
Please note that an email address is required when electing ID Theft coverage.
For Professional and Clerical employees, your Newell Rubbermaid email will be provided, but you can update
this with ID Shield at any time. If you are a factory hourly employee, be sure to add or update your personal
email on Employee Connection.
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OVERVIEW
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Work-Life Support
Program
Back-Up Care
Advantage Program
The Back-Up Care Advantage
Program can provide child or
adult/elder care services when
your normal care arrangements
are unavailable.
Register at
www.backup.brighthorizons.com
(user name: Newell; password:
NewellRubbermaid01).
The Legal Support Program
offers affordable legal support
through Hyatt Legal Services.
Contact Hyatt at
1-800-821-6400 or
www.legalplans.com (use
the access code 2590010).
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Call 1-855-383-7231 or visit
www.anthem.com/NWL-WLSP
for details. (Login:
Newell Rubbermaid).
Legal Support Program
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The Work-Life Support Program
is a free, confidential service that
provides support and helps you
learn how to better manage life’s
challenges.
Dependent Daycare
Flexible Spending
Account
Paternity/Adoption
Leave
All full-time U.S. employees
with 6 or more months of
service are eligible for Paid
Paternity/Adoption Leave.
Under the program, eligible
employees will qualify for 5
consecutive work days of paid
paternity or adoption leave.
Visit NWLBenefits.com
for details.
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Time Off Benefits
Newell Rubbermaid’s time off
program, includes sick and
vacation days. Visit
NWLBenefits.com for details.
The Dependent Daycare
Flexible Spending Account
lets you use tax-free dollars to
pay for eligible child and elder
dependent care expenses.
Commuter
Benefits Plan
Newell Rubbermaid's Commuter
Benefits Plan helps you save
money on your work commute.
Through simple pre-tax
deductions, you can pay for workrelated travel costs, such mass
transit passes and parking
expenses.
You can sign-up or change your
contributions anytime during 2016.
However, you must submit your
selections online by the 10th of the
month prior to the month you plan
to have transit expenses. That
means, for example, you must sign
up for March 2016 contributions
between January 11 and
February 10, 2016.
If you are not enrolled
in a medical plan, you will need
to log in to your Reimbursement
Benefit Account at
www.benefitadminsolutions.com.
You will need your Reimbursement
Account number or Social Security
number and date of birth to log in
to the website for the first time.
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OTHER BENEFITS
Additional benefits available to you in 2016 include:
SHORT-TERM DISABILITY
Short-term disability protects a portion of your income in the event of illness, pregnancy or a non-occupational
injury, and is provided at no cost to you.
You are eligible for coverage after 90 days of employment, and eligible for benefits after you’ve been disabled for
seven days. You may use unused accrued vacation or sick time during the seven-day waiting period. (This waiting
period is waived if you are hospitalized or in an accident.) Visit NWLBenefits.com for more information.
LONG-TERM DISABILITY
Long-term disability provides for the replacement of a percentage of basic monthly income in the event an
extended illness or injury prevents you from working. You are eligible for coverage after 90 days of employment.
Visit NWLBenefits.com for more information.
BASIC AND SUPPLEMENTAL LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT
All employees have basic life insurance and AD&D equal to 2x your annual pay. This coverage is automatically
provided to you by Newell Rubbermaid at no cost beginning on your first day of employment.
You also have the opportunity to purchase additional life insurance coverage for yourself and your spouse/
domestic partner and children. Visit NWLBenefits.com.
CRITICAL ILLNESS COVERAGE
Critical Illness insurance through MetLife provides a lump-sum payment if you or a covered dependent is diagnosed
with a critical illness related to cancer, heart disease, an organ transplant (other than bone marrow and heart
transplant) or kidney failure, or 22 additional conditions. You may elect $10,000 or $20,000 coverage options. This
payment may be used for any expenses, including out-of-pocket medical costs, child care or mortgage payments.
Visit NWLBenefits.com for more information.
VOLUNTARY LONG-TERM CARE INSURANCE
This coverage allows you to choose from multiple long-term care insurance options from different carriers.
For more information, contact Legacy Services at 1-800-230-3398 (ext. 101) or [email protected].
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2016 BENEFITS ENROLLMENT
OTHER BENEFITS
Additional benefits and perks available to you in 2016 include:
The Employee Product Purchase Program allows you to buy many of Newell Rubbermaid’s great products at
discounts of up to 85%. Go to Employee Connection for details.
The Adoption Assistance Program allows you to be reimbursed up to $7,500 in eligible expenses per
adoption cycle, with a $15,000 lifetime maximum.
The Tuition Assistance Program encourages you to improve your personal skills and knowledge to meet both
present and anticipated opportunities within the Company. Degree programs must be job-related and/or fall
within the general business framework of Newell Rubbermaid.
The Electronics Purchase Program, a partnership with Purchasing Power, allows you to purchase computers
and certain electronics through convenient payroll deduction. Visit www.Newell.PurchasingPower.com or call
1-866-670-3479 for additional information.
The Tickets at Work Program provides discounts on entertainment, including preferred seating and perks for
theme parks, sporting events, concerts, shows, movies and more. Visit www.TicketsAtWork.com and select
“Become a Member” (company code: NewellCo), or call 1-800-331-6483 between 8:30 a.m - Midnight ET.
The Emergency Medical Coverage for Business Travel Abroad Program offers free emergency medical
coverage when you are on a business trip for Newell Rubbermaid outside of the U.S. Download the
International SOS app on your smartphone (enter ID 11BCPA000267) to access international customer
service phone numbers while you are traveling.
The Ticket Monster Program provides discounts on sports, concerts and theater event tickets across the U.S.
Visit www.TicketsMonsterPerks.com and enter the company identifier "Newellco", or contact the Ticket
Monster team at any time by calling (866) 217-4777 or email [email protected].
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ENROLLMENT >>
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ENROLLMENT
FIRST DO THESE STEPS
1. REVIEW YOUR OPTIONS. Access your benefits materials anytime at www.NWLBenefits.com.
2. THINK ABOUT YOUR NEEDS. Consider all the possibilities — planned and unplanned. Talk to your
spouse/domestic partner about coverage. Understand all of your options.
3. GET INFORMED. Watch the Benefits Orientation anytime at www.NWLBenefits.com/NewHire.
HAVE QUESTIONS?
You can connect with an
HRSD benefits expert by
calling 1-877-467-4772
toll-free.
THEN ENROLL WITHIN 30 DAYS OF HIRE
4. ENROLL in your 2016 benefits or waive coverage anytime, day or night, within 30 days of your hire
at my.newellrubbermaid.com > Employee Connection > New Hire or Life Events > New Hire
5. CONFIRM your elections. Print the confirmation statement at the end of the enrollment process,
review it and keep it for your records. This is your proof of enrollment.
6. PROVIDE verification of your newly-added dependents to HRSD within 60 days of your hire.
Review the list of required documents at NWLBenefits.com.
7. COMPLETE the “I Got My Physical” form within 90 days of your hire to earn your Stay Healthy
Reward. If you cover a spouse or domestic partner in the medical plan, they need to complete the
form also or you will not earn the reward.
SUMMARY OF BENEFITS & COVERAGE
As part of the healthcare act, we are providing you with an online summary for each of
our medical plans. Each summary includes detailed information on what the plan covers and
what it costs, in an easy to understand Q&A
format. The summary also includes coverage
examples — samples of what you might pay if
you have a baby, as well as what you might pay
if you are managing a chronic condition such
as diabetes. These examples are specific to our
Newell Rubbermaid-sponsored plans. There is
also a glossary of common healthcare terms
and information about other compliance documents posted to Employee Connection, such as
the HIPAA private notice and exchange notice.
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HIPAA PRIVACY NOTICE
In the process of administering your benefits,
we sometimes access Protected Health Information (“PHI”) of you, our spouse or your
dependents for a variety of reasons, including, but not limited to, administering claims
and determining health plan premiums. The
ways we use this PHI are regulated under a
federal law known as the Heath Insurance
Portability and Accountability Act (“HIPAA”).
The ways we can use this PHI are reflected
in our revised Privacy Notice, which can be
found on the Employee Connection website.
You can request a paper copy of this Privacy
Notice by contacting the HRSD.
Important Documents
Available Online at:
Employee Connection >
Total Rewards >
Health & Wellness Info
(under Benefits)
EMPLOYEE NOTICE OF COVERAGE OPTIONS
When key parts of the healthcare law took effect in 2014, it created a new way to buy health
insurance: the Health Insurance Marketplace. To assist you as you evaluate options for you and your family, you can find a copy of the Employee
Notice of Coverage Options on the Employee
Connection website. This notice provides
some basic information about the new Marketplace and health coverage offered by Newell Rubbermaid. You can request a paper copy
of this notice by contacting the HRSD.
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RESOURCES
Contact these resources for answers to your benefits questions.
For help with:
Call this number:
Or visit this website:
1-877-467-4772
my.newellrubbermaid.com
or e-mail your questions to [email protected]
www.anthem.com
Newell Rubbermaid Benefits and Enrollment Information
Human Resources Service
Delivery, Employee Connection
• Questions and information about your
benefits, including enrollment
Medical Coverage
Anthem Customer Service
• Claim-related questions
• Questions about medical programs
1-844-736-4439
Express Scripts Refill by Mail
• Mail-order pharmacy
• Placing orders or questions about orders
1-866-281-4654
Anthem 24-Hour Nurse Line
• Health and wellness questions
• Determining if you need to see a doctor
1-800-700-9184
Contact by phone
MDLIVE
• Access doctors 24/7 ($38 per consultation)
1-888-632-2738
www.mdlive.com/nwl, or you can download the app
Anthem Integrated
Health Management
• Finding the best value healthcare
• Understanding treatment options
• Finding a doctor or specialist
1-844-736-4439
Weekdays 9 a.m.–9 p.m.
in all time zones
Contact by phone
• Tobacco cessation
• Weight management
• Stress management
Note: Accessible from your smartphone or download
the Anthem app
Healthcare Bluebook
• Learn about the price and quality of your care
1-800-341-0504
Effective January 1, 2016, use
www.healthcarebluebook.com/cc/nwl
[email protected],
or you can download the app (you must first
get an activation code from the website)
International SOS / Emergency
Medical Travel Abroad
• Help when traveling on Newell Rubbermaid business
N/A
Download the International SOS app
(enter ID 11BCPA000267)
• Finding a network dentist
• Claim related questions
• Questions about dental plan
1-800-471-4195
www.DeltaDentalins.com/NWL
Note: Accessible from your smartphone
or download the Delta Dental app
Vision Service Plan (VSP)
• Finding a network eye doctor
• Questions about VSP coverage
1-800-877-7195
Weekdays 8 a.m.–8 p.m. ET
Saturdays 9 a.m.–5:30 p.m. ET
www.vsp.com
Work-Life Support Program
• Managing stress and relationship issues
• Finding child care, contractors and even pet boarding
1-855-383-7231
www.anthem.com/NWL-WLSP
Employer ID: Newell Rubbermaid
MetLife Critical Illness
• File a claim for benefits
1-800-438-6388
Weekdays 8 a.m.–6 p.m. ET
www.metlife.com/mybenefits
Delta Dental
Customer Service
Other Health Benefits
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RESOURCES Continued >>
OVERVIEW
MEDICAL
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VISION
RETIREMENT
OTHER BENEFITS
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2016 BENEFITS ENROLLMENT
RESOURCES
For help with:
Call this number:
Or visit this website:
Health Equity
1-877-713-7712
View your HSA balance at
www.anthem.com or
download the HealthEquity App
Financial and Legal
Health Savings Account
(HSA) Administration with
HealthEquity
• Checking your HSA balance
• Investing your HSA dollars
Retirement Plan Services
(available through
Empower Retirement)
• Questions about your 401(k) account
and RSP contributions
1-800-345-2345
• Investment fund questions
Weekdays 7 a.m.–7 p.m. CT
Hyatt Legal
• Legal support and representation
Dependent Daycare FSA
with HealthEquity
www.retireonline.com
Weekdays 8 a.m.–7 p.m. ET
www.legalplans.com
Password: 2590010,
or download the Hyatt Legal app
• Questions about Daycare
Flex Account deduction and
dependent care expenses
Health Equity
1-877-713-7712
www.anthem.com
or download the Health Equity app
Commuter Transit
• Start and stop payroll deductions
1-877-233-7040
www.benefitadminsolutions.com
Identity Theft Protection
• Identity monitoring and
theft protection
1-800-789-2720
www.idshield.com,
or download the ID Shield app
Long-Term Care Insurance
• Enrollment and benefits
1-800-230-3398
(ext. 101)
E-mail: [email protected]
Bright Horizons Back-Up
Care Advantage Program
• Registration and reservations
1-877-BH-CARES
(1-877-242-2737)
www.backup.brighthorizons.com
username: Newell
password: NewellRubbermaid01,
or download the Bright Horizons app
Other Benefits
• Accidental Death and
Dismemberment (AD&D)
• Adoption Assistance
• Electronics Purchase Program
• Employee Purchase
• Life Insurance
• Long-Term Disability (LTD)
• Short-Term Disability (STD)
• Tickets at Work
• Time Off
• Tuition Assistance
• Ticket Monster
1-800-821-6400
If you add a dependent
to coverage, you will be
required to provide
proof of eligibility within
60 days of your hire,
such as marriage license,
birth certificate, etc.
HAD A LIFE EVENT
DURING THE YEAR?
Other Benefits
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ADDING DEPENDENTS?
After you enroll in benefits as
a new hire, you can only make
changes to your 2016 benefits
when you have a “life
event”— such as a birth,
adoption, marriage or
divorce. You have 30 days
from the date of the life event
to make changes to your
benefits online at Employee
Connection.
Contact the HRSD for all of
these benefits
1-877-467-4772
E-mail your questions to
[email protected]
OVERVIEW >>
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OVERVIEW
MEDICAL
DENTAL
VISION
RETIREMENT
OTHER BENEFITS
NEWELL RUBBERMAID
ENROLLMENT
RESOURCES
2016 BENEFITS ENROLLMENT
You must enroll or waive coverage within 30 days
of hire.
If you do not enroll, you will NOT have coverage in 2016.
my.newellrubbermaid.com > Employee Connection >
New Hire or Life Events > New Hire
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