open enrollment :nov. 12-30, 2012

ActIon if you wAnT denTAl, Vision or mAjor medicAl for 2013
The DayOne medical plans, available to all employees starting on day one of employment
with Darden, are being improved for 2013. You’ll receive discounted pricing and a higher level of coverage
when you receive care from health care providers who participate in the nATionwide blue cross blue
sHield neTwork. That’s more than 90%ofdoctorsandhospitalsacrossthecountry!
Inpatienthospitalcare,x-raysandlabswillbecoveredat90%,upfrom80%,afterthedeductible.Andthat’sontopof
providerdiscountsthatcanrangefrom40%to80%,soyourdollarswillreallystretchfurther.
D aY O N E m E D I C a l P l a N S aT a G l a N C E
O P E N E N R O l l m E N T aT a G l a N C E
DayOne medical plans.
DayOne plUS
AnnuAl dEductIBlE
$100
$100
MAxIMuM plAn pAYS
EAcH YEAr
$500 for wellness care
$500 for prescriptions
$3,000 for all other services
$500 for wellness care
Dental and vision benefits. You must take action during Open Enrollment if you want to keep or get
• dental or vision benefits for 2013.
Major medical plans.
TIN
LA U
ONZ
BR
V
SIL ER
You can choose between the BronzE, SIlvEr And Gold vision options.
(In-Network – Blue Cross Blue Shield Providers)*
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
oFFIcE vISIt
100%after$20copay
100%after$20copay
HoSpItAl
90%afterdeductible
90%afterdeductible
EMErGEncY
90%afterdeductible(waivedifadmitted)
90%afterdeductible(waivedifadmitted)
pHArMAcY
(up to 30-day supply)
Generic:25%($10minimum)
Brand:25%($20minimum);35%($25minimum)afterinitialfillandtworefillson
maintenance drugs
MAIl-ordEr
(up to 90-day supply)
Generic:25%($25minimum)
Brand:25%($50minimum)
WEEklY coSt
(how much you pay each week
from your paycheck)
Employee only:
$21.50
Employee +1 dependent:
$42.00
Employee+2ormoredependents:$64.50
Up tO 5 maJOr meDiCal planS:
For employees with at least 2 years of service averaging at least 30 hours a week.
ONZ
BR
Employee only:
$37.00
Employee+1dependent:$67.50
Employee +2 or more dependents: $108.50
RONZE
OPEN ENROLLMENT: NOV. 12-30, 2012
You may enroll yourself and your eligible dependents, including:
SAVINGS!
• Yourspouseorqualifiedsame-genderdomesticpartner
V
SIL ER
GOLD
TIN
LA U
The BronzE, BronzE pluS and SIlvEr plans have higher deductibles
and out-of-pocket costs than our current PPO. However, they also have lower
weekly premiums (amount that comes out of your paycheck) on average.
You pay less up front, but more out-of-pocket if and when you need care. The
Gold and plAtInuMplanscostmoreoutofyourpaycheck,butrequire
less out of your pocket when you receive care.
If you enroll in the Bronze, Bronze Plus or Silver medical plan, the new HeAlTH
sAVings AccounT (HsA) lets you set aside pre-tax money to cover your out-ofpocket medical expenses like deductibles and co-insurance.
$
COmpare anD FinD yOUr perFeCt Fit.
To enroll, go to the eBenefits on DiSH:
Step 1:
First, log in to
DiSH:
- From the restaurant, click My diSH
DepenDent Care Flexible SpenDing aCCOUnt
- From home, use your brand’s name to access DiSH:
The Dependent Care FSA lets you set aside pre-tax money to pay for eligible dependent care expenses. For more details, go
to eBenefits on DiSH. If you want to participate in the Dependent Care FSA in 2013, you must enroll even if you are currently
enrolled. See next page on how to enroll through the Health Insurance Marketplace, AccuHealth.
http://mydish.redlobster.com, http://mydish.olivegarden.com, http://mydish.bahamabreeze.com,
http://mydish.seasons52.com, http://mydish.longhornsteakhouse.com, http://mydish.eddiev.com,
http://mydish.thecapitalgrille.com
CritiCal illneSS anD aCCiDent
NOTE: Type in http:// (instead of www). If you have trouble, try setting your browser to allow
cookies and disabling your pop-up blockers.
The critical illness plan pays a lump sum (either $10,000 or $20,000) directly to you if you develop cancer, need a
major organ transplant or bypass surgery or suffer a heart attack or stroke.
Step 2:
After you log in, click on
Enroll at: www.aflac.com/darden (User ID: first letter of first name, full last name. Password: last four digits
of Social Security Number and 4-digit birth year).
Step 3:
From here, you can
•
For YourSElF, you can choose coverage of $10,000, $15,000 or $20,000. (You must be under age 70
when you enroll.)
•
For Your dEpEndEntS, you can purchase coverage of $10,000 for your spouse/domestic partner and
$5,000 for your children. Children may only be covered up to age 23.
The weekly cost of life insurance for yourself is $0.27 for $10,000, $0.42 for $15,000 and $0.54 for $20,000.
(If you are currently enrolled in the plan you may only increase your coverage by one level each year.) The weekly
costfordependentlifeinsuranceis$0.63,nomatterhowmanydependentsyouhave.don’t forget to update
your beneficiary information through DiSH at eBenefits>Benefits Summary>Supplemental Life and AD&D.
See next page on how to enroll.
Step 4:
Step 5:
eBenefits, then Benefits Enrollment
enroll or make changes to your DayOne plans, as well as the
extra benefits such as life insurance and disability insurance.
submitted
shop
After you’ve enrolled and
your elections for extra benefits, it’s time to
for dental, vision, Dependent Care FSA and major medical (not DayOne) plans through the
HEAltH InSurAncE MArkEtplAcE, AccuHealth. Click on the Health Insurance Marketplace,
AccuHealth, link to shop.
compare plans, estimate your annual costs and
make your selections.
Follow the on screen prompts to
COMPARE
telaDOC
Teladoc lets you talk directly to a doctor any time, day or night. Get peace of mind, save time and money –
and maybe even a trip to the doctor or emergency room. The cost is $0.50 per week to enroll, and $35 for each
consultation with a doctor. to enroll, go to www.teladoc.com.
QuEStIonS?
Call the Total Rewards Service Center
at 888-374-3343.
grOUp legal plan
- For dental, vision and major medical,
press the option for the Health
Insurance Marketplace.
The group legal plan gives you access to a network of lawyers to handle common legal needs, from wills to divorce to
identity theft. There are no limits on the number of times you can seek counsel, and there are no copayments or deductibles
(only filing fees, if applicable). The cost of the coverage is $4.85 per week. See next page on how to enroll.
- For DayOne and all other benefits,
remain on the line to speak with a
representative.
ShOrt term DiSability (StD)
The STD plan has been changed this year to match what is offered by most other employers. the maximum
benefit period is now 26 weeks instead of 52. Because of the change, the plan will cost less in
2013.STDpaysbenefitsupto60%ofyourregularpayifyoucan’tworkbecauseofanillnessorinjury–including
maternity and childbirth or mental health and substance abuse issues. STD benefits begin after seven days of disability.
The maximum benefit period depends on how long you’ve worked for Darden.
•
•
lESS tHAn onE YEAr: STD payments can continue up to 13 weeks.
MorE tHAn onE YEAr:STDpaymentscancontinueupto26weeks.
FIND WHAT FITS YOU : NOV. 12-30, 2012
See next page on how to enroll.
for more deTAils, including AnnuAl benefiT limiTs, go To: ebenefiTs on disH.
DAR_OEHR_13
Y O U R H E a lT H I N S U R a N C E m a R K E T P l a C E ,
a C C U H E a lT H
Our new Health Insurance Marketplace, AccuHealth, helps you compare your
options based on what is important to you. You can sort by plan feature, price,
or group by insurance companies (carriers).
• Yourchildrenuptoage26,iftheydon’thaveemployersponsored coverage available to them, or work for Darden
and only have a DayOne plan available to them.
As part of our comprehensive rewards program, you can also sign up
for other benefits that add to your personal and financial security. Remember this enrollment period is the one time a year you can
makeachangetoyourbenefits,unlessyouhaveaqualifyingfamilystatuschangeduringtheyear.Ifyoudon’tmakechanges
to the following benefits, you’ll have the same election for 2013 (except Dependent Care FSA) with new plan changes and costs.
You can choose life insurance for yourself and your dependents:
*Mostservicesoutofnetwork(non-BlueCrossBlueShieldproviders)arecoveredat80%.
WHO CaN I COvER?
HERE’S HOW TO ENROll
liFe inSUranCe
GOLD
M
New Health Savings Account.
• We’re now offering an HSA
for eligible, full-time employees who enroll in a Bronze, Bronze Plus
or Silver medical plan. The new online Health Insurance Marketplace,
AccuHealth, has more details.
GOLD
3 viSiOn planS:
+
A new way to ‘shop’ for many of your benefits.
• The current dental, vision and PPO medical plans
are being replaced by a wide range of new options. You can compare and shop for these plans, along with Dependent
Care Flexible Spending Accounts, through our new private Health Insurance Marketplace, AccuHealth, which you can
access from DiSH through eBenefits.
prEvEntIvE cArE
V
SIL ER
You can choose between the BronzE, SIlvEr, Gold and plAtInuM
(in limited areas) levels for dental coverage. Typically, Platinum is less
expensive and provides greater coverage when you see an in-network dentist.
However, there is no coverage if you go outside of the network.
E
• You must take action during Open Enrollment if you are currently enrolled in
the PPO medical plan and want major medical for 2013, or if you wish to enroll in one of the new major medical (not
DayOne) plans. You must be a full-time employee with at least 2 years of service and average 30+ hours/week to enroll
in a major medical plan. If you are enrolled in the PPO plan, you must average 20 hours a week to maintain eligibility.
plan payS
$500 for prescriptions
$10,000 for inpatient hospital
$3,000 for all other services
ONZ
BR
E
• If you are enrolled in a DayOne medical plan and want to stay in that plan, you do
not need to take action. Your DayOne enrollment will continue automatically.
DayOne baSiC
Up tO 4 Dental planS:
M
You can continue to choose between the DayOne Basic Plan and the DayOne Plus Plan (which offers an additional $10,000
for inpatient hospital services).
The current dental, vision and PPO medical plans are being replaced by a wider selection of new
plans, offered by insurance companies that are competing for your business. The actual number
of insurance company choices will vary depending on where you live. Not all insurance companies
are available nationwide. Below is an overview of the options. During Open Enrollment, details
can be found in the Health Insurance Marketplace, AccuHealth.
E
SHOP FOR BENEFITS
your way!
EXTRa BENEFITS
MORE
Recent feedback from employees told us they want
more choice for benefits that matter most in their lives.
So for 2013, we’re providing even more choice and
options to fit the various needs of our employees.
For 2013, we’re making two important changes to your benefits:
1. Enhancing the DayOne medical plans so your benefits go further.
2. Replacing our current dental, vision and PPO medical plan options with a wide selection of new plans –
and giving you a whole new way to shop, compare and pick the plans that fit you.
TImE TO GO SHOPPING!
P
inside: leArn wHy you MuSt tAkE
WaY S T O S av E W I T H D aY O N E P l a N S
P
H O U R lY E m P l O Y E E S
WHY JUST ENROll FOR BENEFITS
WHEN YOU CaN SHOP FOR THEm?
B
YOUR 2013 BENEFITS SHOPPING GUIDE
remember: THe denTAl, Vision And mAjor medicAl (noT dAyone) PlAns Are All new, so you
musT enroll beTween noVember 12–30, if you wAnT coVerAge neXT yeAr.
more on eXTrA benefiTs, including eligibiliTy, go To: disH>ebenefiTs>PAy & benefiT info.
see next page on how to enroll in dependent care fsA, life insurance, group legal and sTd.
you musT enroll if you wAnT mAjor medicAl (noT dAyone), denTAl & Vision benefiTs for 2013.
ActIon if you wAnT denTAl, Vision or mAjor medicAl for 2013
The DayOne medical plans, available to all employees starting on day one of employment
with Darden, are being improved for 2013. You’ll receive discounted pricing and a higher level of coverage
when you receive care from health care providers who participate in the nATionwide blue cross blue
sHield neTwork. That’s more than 90%ofdoctorsandhospitalsacrossthecountry!
Inpatienthospitalcare,x-raysandlabswillbecoveredat90%,upfrom80%,afterthedeductible.Andthat’sontopof
providerdiscountsthatcanrangefrom40%to80%,soyourdollarswillreallystretchfurther.
D aY O N E m E D I C a l P l a N S aT a G l a N C E
O P E N E N R O l l m E N T aT a G l a N C E
DayOne medical plans.
DayOne plUS
AnnuAl dEductIBlE
$100
$100
MAxIMuM plAn pAYS
EAcH YEAr
$500 for wellness care
$500 for prescriptions
$3,000 for all other services
$500 for wellness care
Dental and vision benefits. You must take action during Open Enrollment if you want to keep or get
• dental or vision benefits for 2013.
Major medical plans.
TIN
LA U
ONZ
BR
V
SIL ER
You can choose between the BronzE, SIlvEr And Gold vision options.
(In-Network – Blue Cross Blue Shield Providers)*
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
oFFIcE vISIt
100%after$20copay
100%after$20copay
HoSpItAl
90%afterdeductible
90%afterdeductible
EMErGEncY
90%afterdeductible(waivedifadmitted)
90%afterdeductible(waivedifadmitted)
pHArMAcY
(up to 30-day supply)
Generic:25%($10minimum)
Brand:25%($20minimum);35%($25minimum)afterinitialfillandtworefillson
maintenance drugs
MAIl-ordEr
(up to 90-day supply)
Generic:25%($25minimum)
Brand:25%($50minimum)
WEEklY coSt
(how much you pay each week
from your paycheck)
Employee only:
$21.50
Employee +1 dependent:
$42.00
Employee+2ormoredependents:$64.50
Up tO 5 maJOr meDiCal planS:
For employees with at least 2 years of service averaging at least 30 hours a week.
ONZ
BR
Employee only:
$37.00
Employee+1dependent:$67.50
Employee +2 or more dependents: $108.50
RONZE
OPEN ENROLLMENT: NOV. 12-30, 2012
You may enroll yourself and your eligible dependents, including:
SAVINGS!
• Yourspouseorqualifiedsame-genderdomesticpartner
V
SIL ER
GOLD
TIN
LA U
The BronzE, BronzE pluS and SIlvEr plans have higher deductibles
and out-of-pocket costs than our current PPO. However, they also have lower
weekly premiums (amount that comes out of your paycheck) on average.
You pay less up front, but more out-of-pocket if and when you need care. The
Gold and plAtInuMplanscostmoreoutofyourpaycheck,butrequire
less out of your pocket when you receive care.
If you enroll in the Bronze, Bronze Plus or Silver medical plan, the new HeAlTH
sAVings AccounT (HsA) lets you set aside pre-tax money to cover your out-ofpocket medical expenses like deductibles and co-insurance.
$
COmpare anD FinD yOUr perFeCt Fit.
To enroll, go to the eBenefits on DiSH:
Step 1:
First, log in to
DiSH:
- From the restaurant, click My diSH
DepenDent Care Flexible SpenDing aCCOUnt
- From home, use your brand’s name to access DiSH:
The Dependent Care FSA lets you set aside pre-tax money to pay for eligible dependent care expenses. For more details, go
to eBenefits on DiSH. If you want to participate in the Dependent Care FSA in 2013, you must enroll even if you are currently
enrolled. See next page on how to enroll through the Health Insurance Marketplace, AccuHealth.
http://mydish.redlobster.com, http://mydish.olivegarden.com, http://mydish.bahamabreeze.com,
http://mydish.seasons52.com, http://mydish.longhornsteakhouse.com, http://mydish.eddiev.com,
http://mydish.thecapitalgrille.com
CritiCal illneSS anD aCCiDent
NOTE: Type in http:// (instead of www). If you have trouble, try setting your browser to allow
cookies and disabling your pop-up blockers.
The critical illness plan pays a lump sum (either $10,000 or $20,000) directly to you if you develop cancer, need a
major organ transplant or bypass surgery or suffer a heart attack or stroke.
Step 2:
After you log in, click on
Enroll at: www.aflac.com/darden (User ID: first letter of first name, full last name. Password: last four digits
of Social Security Number and 4-digit birth year).
Step 3:
From here, you can
•
For YourSElF, you can choose coverage of $10,000, $15,000 or $20,000. (You must be under age 70
when you enroll.)
•
For Your dEpEndEntS, you can purchase coverage of $10,000 for your spouse/domestic partner and
$5,000 for your children. Children may only be covered up to age 23.
The weekly cost of life insurance for yourself is $0.27 for $10,000, $0.42 for $15,000 and $0.54 for $20,000.
(If you are currently enrolled in the plan you may only increase your coverage by one level each year.) The weekly
costfordependentlifeinsuranceis$0.63,nomatterhowmanydependentsyouhave.don’t forget to update
your beneficiary information through DiSH at eBenefits>Benefits Summary>Supplemental Life and AD&D.
See next page on how to enroll.
Step 4:
Step 5:
eBenefits, then Benefits Enrollment
enroll or make changes to your DayOne plans, as well as the
extra benefits such as life insurance and disability insurance.
submitted
shop
After you’ve enrolled and
your elections for extra benefits, it’s time to
for dental, vision, Dependent Care FSA and major medical (not DayOne) plans through the
HEAltH InSurAncE MArkEtplAcE, AccuHealth. Click on the Health Insurance Marketplace,
AccuHealth, link to shop.
compare plans, estimate your annual costs and
make your selections.
Follow the on screen prompts to
COMPARE
telaDOC
Teladoc lets you talk directly to a doctor any time, day or night. Get peace of mind, save time and money –
and maybe even a trip to the doctor or emergency room. The cost is $0.50 per week to enroll, and $35 for each
consultation with a doctor. to enroll, go to www.teladoc.com.
QuEStIonS?
Call the Total Rewards Service Center
at 888-374-3343.
grOUp legal plan
- For dental, vision and major medical,
press the option for the Health
Insurance Marketplace.
The group legal plan gives you access to a network of lawyers to handle common legal needs, from wills to divorce to
identity theft. There are no limits on the number of times you can seek counsel, and there are no copayments or deductibles
(only filing fees, if applicable). The cost of the coverage is $4.85 per week. See next page on how to enroll.
- For DayOne and all other benefits,
remain on the line to speak with a
representative.
ShOrt term DiSability (StD)
The STD plan has been changed this year to match what is offered by most other employers. the maximum
benefit period is now 26 weeks instead of 52. Because of the change, the plan will cost less in
2013.STDpaysbenefitsupto60%ofyourregularpayifyoucan’tworkbecauseofanillnessorinjury–including
maternity and childbirth or mental health and substance abuse issues. STD benefits begin after seven days of disability.
The maximum benefit period depends on how long you’ve worked for Darden.
•
•
lESS tHAn onE YEAr: STD payments can continue up to 13 weeks.
MorE tHAn onE YEAr:STDpaymentscancontinueupto26weeks.
FIND WHAT FITS YOU : NOV. 12-30, 2012
See next page on how to enroll.
for more deTAils, including AnnuAl benefiT limiTs, go To: ebenefiTs on disH.
DAR_OEHR_13
Y O U R H E a lT H I N S U R a N C E m a R K E T P l a C E ,
a C C U H E a lT H
Our new Health Insurance Marketplace, AccuHealth, helps you compare your
options based on what is important to you. You can sort by plan feature, price,
or group by insurance companies (carriers).
• Yourchildrenuptoage26,iftheydon’thaveemployersponsored coverage available to them, or work for Darden
and only have a DayOne plan available to them.
As part of our comprehensive rewards program, you can also sign up
for other benefits that add to your personal and financial security. Remember this enrollment period is the one time a year you can
makeachangetoyourbenefits,unlessyouhaveaqualifyingfamilystatuschangeduringtheyear.Ifyoudon’tmakechanges
to the following benefits, you’ll have the same election for 2013 (except Dependent Care FSA) with new plan changes and costs.
You can choose life insurance for yourself and your dependents:
*Mostservicesoutofnetwork(non-BlueCrossBlueShieldproviders)arecoveredat80%.
WHO CaN I COvER?
HERE’S HOW TO ENROll
liFe inSUranCe
GOLD
M
New Health Savings Account.
• We’re now offering an HSA
for eligible, full-time employees who enroll in a Bronze, Bronze Plus
or Silver medical plan. The new online Health Insurance Marketplace,
AccuHealth, has more details.
GOLD
3 viSiOn planS:
+
A new way to ‘shop’ for many of your benefits.
• The current dental, vision and PPO medical plans
are being replaced by a wide range of new options. You can compare and shop for these plans, along with Dependent
Care Flexible Spending Accounts, through our new private Health Insurance Marketplace, AccuHealth, which you can
access from DiSH through eBenefits.
prEvEntIvE cArE
V
SIL ER
You can choose between the BronzE, SIlvEr, Gold and plAtInuM
(in limited areas) levels for dental coverage. Typically, Platinum is less
expensive and provides greater coverage when you see an in-network dentist.
However, there is no coverage if you go outside of the network.
E
• You must take action during Open Enrollment if you are currently enrolled in
the PPO medical plan and want major medical for 2013, or if you wish to enroll in one of the new major medical (not
DayOne) plans. You must be a full-time employee with at least 2 years of service and average 30+ hours/week to enroll
in a major medical plan. If you are enrolled in the PPO plan, you must average 20 hours a week to maintain eligibility.
plan payS
$500 for prescriptions
$10,000 for inpatient hospital
$3,000 for all other services
ONZ
BR
E
• If you are enrolled in a DayOne medical plan and want to stay in that plan, you do
not need to take action. Your DayOne enrollment will continue automatically.
DayOne baSiC
Up tO 4 Dental planS:
M
You can continue to choose between the DayOne Basic Plan and the DayOne Plus Plan (which offers an additional $10,000
for inpatient hospital services).
The current dental, vision and PPO medical plans are being replaced by a wider selection of new
plans, offered by insurance companies that are competing for your business. The actual number
of insurance company choices will vary depending on where you live. Not all insurance companies
are available nationwide. Below is an overview of the options. During Open Enrollment, details
can be found in the Health Insurance Marketplace, AccuHealth.
E
SHOP FOR BENEFITS
your way!
EXTRa BENEFITS
MORE
Recent feedback from employees told us they want
more choice for benefits that matter most in their lives.
So for 2013, we’re providing even more choice and
options to fit the various needs of our employees.
For 2013, we’re making two important changes to your benefits:
1. Enhancing the DayOne medical plans so your benefits go further.
2. Replacing our current dental, vision and PPO medical plan options with a wide selection of new plans –
and giving you a whole new way to shop, compare and pick the plans that fit you.
TImE TO GO SHOPPING!
P
inside: leArn wHy you MuSt tAkE
WaY S T O S av E W I T H D aY O N E P l a N S
P
H O U R lY E m P l O Y E E S
WHY JUST ENROll FOR BENEFITS
WHEN YOU CaN SHOP FOR THEm?
B
YOUR 2013 BENEFITS SHOPPING GUIDE
remember: THe denTAl, Vision And mAjor medicAl (noT dAyone) PlAns Are All new, so you
musT enroll beTween noVember 12–30, if you wAnT coVerAge neXT yeAr.
more on eXTrA benefiTs, including eligibiliTy, go To: disH>ebenefiTs>PAy & benefiT info.
see next page on how to enroll in dependent care fsA, life insurance, group legal and sTd.
you musT enroll if you wAnT mAjor medicAl (noT dAyone), denTAl & Vision benefiTs for 2013.
ActIon if you wAnT denTAl, Vision or mAjor medicAl for 2013
The DayOne medical plans, available to all employees starting on day one of employment
with Darden, are being improved for 2013. You’ll receive discounted pricing and a higher level of coverage
when you receive care from health care providers who participate in the nATionwide blue cross blue
sHield neTwork. That’s more than 90%ofdoctorsandhospitalsacrossthecountry!
Inpatienthospitalcare,x-raysandlabswillbecoveredat90%,upfrom80%,afterthedeductible.Andthat’sontopof
providerdiscountsthatcanrangefrom40%to80%,soyourdollarswillreallystretchfurther.
D aY O N E m E D I C a l P l a N S aT a G l a N C E
O P E N E N R O l l m E N T aT a G l a N C E
DayOne medical plans.
DayOne plUS
AnnuAl dEductIBlE
$100
$100
MAxIMuM plAn pAYS
EAcH YEAr
$500 for wellness care
$500 for prescriptions
$3,000 for all other services
$500 for wellness care
Dental and vision benefits. You must take action during Open Enrollment if you want to keep or get
• dental or vision benefits for 2013.
Major medical plans.
TIN
LA U
ONZ
BR
V
SIL ER
You can choose between the BronzE, SIlvEr And Gold vision options.
(In-Network – Blue Cross Blue Shield Providers)*
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
oFFIcE vISIt
100%after$20copay
100%after$20copay
HoSpItAl
90%afterdeductible
90%afterdeductible
EMErGEncY
90%afterdeductible(waivedifadmitted)
90%afterdeductible(waivedifadmitted)
pHArMAcY
(up to 30-day supply)
Generic:25%($10minimum)
Brand:25%($20minimum);35%($25minimum)afterinitialfillandtworefillson
maintenance drugs
MAIl-ordEr
(up to 90-day supply)
Generic:25%($25minimum)
Brand:25%($50minimum)
WEEklY coSt
(how much you pay each week
from your paycheck)
Employee only:
$21.50
Employee +1 dependent:
$42.00
Employee+2ormoredependents:$64.50
Up tO 5 maJOr meDiCal planS:
For employees with at least 2 years of service averaging at least 30 hours a week.
ONZ
BR
Employee only:
$37.00
Employee+1dependent:$67.50
Employee +2 or more dependents: $108.50
RONZE
OPEN ENROLLMENT: NOV. 12-30, 2012
You may enroll yourself and your eligible dependents, including:
SAVINGS!
• Yourspouseorqualifiedsame-genderdomesticpartner
V
SIL ER
GOLD
TIN
LA U
The BronzE, BronzE pluS and SIlvEr plans have higher deductibles
and out-of-pocket costs than our current PPO. However, they also have lower
weekly premiums (amount that comes out of your paycheck) on average.
You pay less up front, but more out-of-pocket if and when you need care. The
Gold and plAtInuMplanscostmoreoutofyourpaycheck,butrequire
less out of your pocket when you receive care.
If you enroll in the Bronze, Bronze Plus or Silver medical plan, the new HeAlTH
sAVings AccounT (HsA) lets you set aside pre-tax money to cover your out-ofpocket medical expenses like deductibles and co-insurance.
$
COmpare anD FinD yOUr perFeCt Fit.
To enroll, go to the eBenefits on DiSH:
Step 1:
First, log in to
DiSH:
- From the restaurant, click My diSH
DepenDent Care Flexible SpenDing aCCOUnt
- From home, use your brand’s name to access DiSH:
The Dependent Care FSA lets you set aside pre-tax money to pay for eligible dependent care expenses. For more details, go
to eBenefits on DiSH. If you want to participate in the Dependent Care FSA in 2013, you must enroll even if you are currently
enrolled. See next page on how to enroll through the Health Insurance Marketplace, AccuHealth.
http://mydish.redlobster.com, http://mydish.olivegarden.com, http://mydish.bahamabreeze.com,
http://mydish.seasons52.com, http://mydish.longhornsteakhouse.com, http://mydish.eddiev.com,
http://mydish.thecapitalgrille.com
CritiCal illneSS anD aCCiDent
NOTE: Type in http:// (instead of www). If you have trouble, try setting your browser to allow
cookies and disabling your pop-up blockers.
The critical illness plan pays a lump sum (either $10,000 or $20,000) directly to you if you develop cancer, need a
major organ transplant or bypass surgery or suffer a heart attack or stroke.
Step 2:
After you log in, click on
Enroll at: www.aflac.com/darden (User ID: first letter of first name, full last name. Password: last four digits
of Social Security Number and 4-digit birth year).
Step 3:
From here, you can
•
For YourSElF, you can choose coverage of $10,000, $15,000 or $20,000. (You must be under age 70
when you enroll.)
•
For Your dEpEndEntS, you can purchase coverage of $10,000 for your spouse/domestic partner and
$5,000 for your children. Children may only be covered up to age 23.
The weekly cost of life insurance for yourself is $0.27 for $10,000, $0.42 for $15,000 and $0.54 for $20,000.
(If you are currently enrolled in the plan you may only increase your coverage by one level each year.) The weekly
costfordependentlifeinsuranceis$0.63,nomatterhowmanydependentsyouhave.don’t forget to update
your beneficiary information through DiSH at eBenefits>Benefits Summary>Supplemental Life and AD&D.
See next page on how to enroll.
Step 4:
Step 5:
eBenefits, then Benefits Enrollment
enroll or make changes to your DayOne plans, as well as the
extra benefits such as life insurance and disability insurance.
submitted
shop
After you’ve enrolled and
your elections for extra benefits, it’s time to
for dental, vision, Dependent Care FSA and major medical (not DayOne) plans through the
HEAltH InSurAncE MArkEtplAcE, AccuHealth. Click on the Health Insurance Marketplace,
AccuHealth, link to shop.
compare plans, estimate your annual costs and
make your selections.
Follow the on screen prompts to
COMPARE
telaDOC
Teladoc lets you talk directly to a doctor any time, day or night. Get peace of mind, save time and money –
and maybe even a trip to the doctor or emergency room. The cost is $0.50 per week to enroll, and $35 for each
consultation with a doctor. to enroll, go to www.teladoc.com.
QuEStIonS?
Call the Total Rewards Service Center
at 888-374-3343.
grOUp legal plan
- For dental, vision and major medical,
press the option for the Health
Insurance Marketplace.
The group legal plan gives you access to a network of lawyers to handle common legal needs, from wills to divorce to
identity theft. There are no limits on the number of times you can seek counsel, and there are no copayments or deductibles
(only filing fees, if applicable). The cost of the coverage is $4.85 per week. See next page on how to enroll.
- For DayOne and all other benefits,
remain on the line to speak with a
representative.
ShOrt term DiSability (StD)
The STD plan has been changed this year to match what is offered by most other employers. the maximum
benefit period is now 26 weeks instead of 52. Because of the change, the plan will cost less in
2013.STDpaysbenefitsupto60%ofyourregularpayifyoucan’tworkbecauseofanillnessorinjury–including
maternity and childbirth or mental health and substance abuse issues. STD benefits begin after seven days of disability.
The maximum benefit period depends on how long you’ve worked for Darden.
•
•
lESS tHAn onE YEAr: STD payments can continue up to 13 weeks.
MorE tHAn onE YEAr:STDpaymentscancontinueupto26weeks.
FIND WHAT FITS YOU : NOV. 12-30, 2012
See next page on how to enroll.
for more deTAils, including AnnuAl benefiT limiTs, go To: ebenefiTs on disH.
DAR_OEHR_13
Y O U R H E a lT H I N S U R a N C E m a R K E T P l a C E ,
a C C U H E a lT H
Our new Health Insurance Marketplace, AccuHealth, helps you compare your
options based on what is important to you. You can sort by plan feature, price,
or group by insurance companies (carriers).
• Yourchildrenuptoage26,iftheydon’thaveemployersponsored coverage available to them, or work for Darden
and only have a DayOne plan available to them.
As part of our comprehensive rewards program, you can also sign up
for other benefits that add to your personal and financial security. Remember this enrollment period is the one time a year you can
makeachangetoyourbenefits,unlessyouhaveaqualifyingfamilystatuschangeduringtheyear.Ifyoudon’tmakechanges
to the following benefits, you’ll have the same election for 2013 (except Dependent Care FSA) with new plan changes and costs.
You can choose life insurance for yourself and your dependents:
*Mostservicesoutofnetwork(non-BlueCrossBlueShieldproviders)arecoveredat80%.
WHO CaN I COvER?
HERE’S HOW TO ENROll
liFe inSUranCe
GOLD
M
New Health Savings Account.
• We’re now offering an HSA
for eligible, full-time employees who enroll in a Bronze, Bronze Plus
or Silver medical plan. The new online Health Insurance Marketplace,
AccuHealth, has more details.
GOLD
3 viSiOn planS:
+
A new way to ‘shop’ for many of your benefits.
• The current dental, vision and PPO medical plans
are being replaced by a wide range of new options. You can compare and shop for these plans, along with Dependent
Care Flexible Spending Accounts, through our new private Health Insurance Marketplace, AccuHealth, which you can
access from DiSH through eBenefits.
prEvEntIvE cArE
V
SIL ER
You can choose between the BronzE, SIlvEr, Gold and plAtInuM
(in limited areas) levels for dental coverage. Typically, Platinum is less
expensive and provides greater coverage when you see an in-network dentist.
However, there is no coverage if you go outside of the network.
E
• You must take action during Open Enrollment if you are currently enrolled in
the PPO medical plan and want major medical for 2013, or if you wish to enroll in one of the new major medical (not
DayOne) plans. You must be a full-time employee with at least 2 years of service and average 30+ hours/week to enroll
in a major medical plan. If you are enrolled in the PPO plan, you must average 20 hours a week to maintain eligibility.
plan payS
$500 for prescriptions
$10,000 for inpatient hospital
$3,000 for all other services
ONZ
BR
E
• If you are enrolled in a DayOne medical plan and want to stay in that plan, you do
not need to take action. Your DayOne enrollment will continue automatically.
DayOne baSiC
Up tO 4 Dental planS:
M
You can continue to choose between the DayOne Basic Plan and the DayOne Plus Plan (which offers an additional $10,000
for inpatient hospital services).
The current dental, vision and PPO medical plans are being replaced by a wider selection of new
plans, offered by insurance companies that are competing for your business. The actual number
of insurance company choices will vary depending on where you live. Not all insurance companies
are available nationwide. Below is an overview of the options. During Open Enrollment, details
can be found in the Health Insurance Marketplace, AccuHealth.
E
SHOP FOR BENEFITS
your way!
EXTRa BENEFITS
MORE
Recent feedback from employees told us they want
more choice for benefits that matter most in their lives.
So for 2013, we’re providing even more choice and
options to fit the various needs of our employees.
For 2013, we’re making two important changes to your benefits:
1. Enhancing the DayOne medical plans so your benefits go further.
2. Replacing our current dental, vision and PPO medical plan options with a wide selection of new plans –
and giving you a whole new way to shop, compare and pick the plans that fit you.
TImE TO GO SHOPPING!
P
inside: leArn wHy you MuSt tAkE
WaY S T O S av E W I T H D aY O N E P l a N S
P
H O U R lY E m P l O Y E E S
WHY JUST ENROll FOR BENEFITS
WHEN YOU CaN SHOP FOR THEm?
B
YOUR 2013 BENEFITS SHOPPING GUIDE
remember: THe denTAl, Vision And mAjor medicAl (noT dAyone) PlAns Are All new, so you
musT enroll beTween noVember 12–30, if you wAnT coVerAge neXT yeAr.
more on eXTrA benefiTs, including eligibiliTy, go To: disH>ebenefiTs>PAy & benefiT info.
see next page on how to enroll in dependent care fsA, life insurance, group legal and sTd.
you musT enroll if you wAnT mAjor medicAl (noT dAyone), denTAl & Vision benefiTs for 2013.
ActIon if you wAnT denTAl, Vision or mAjor medicAl for 2013
The DayOne medical plans, available to all employees starting on day one of employment
with Darden, are being improved for 2013. You’ll receive discounted pricing and a higher level of coverage
when you receive care from health care providers who participate in the nATionwide blue cross blue
sHield neTwork. That’s more than 90%ofdoctorsandhospitalsacrossthecountry!
Inpatienthospitalcare,x-raysandlabswillbecoveredat90%,upfrom80%,afterthedeductible.Andthat’sontopof
providerdiscountsthatcanrangefrom40%to80%,soyourdollarswillreallystretchfurther.
D aY O N E m E D I C a l P l a N S aT a G l a N C E
O P E N E N R O l l m E N T aT a G l a N C E
DayOne medical plans.
DayOne plUS
AnnuAl dEductIBlE
$100
$100
MAxIMuM plAn pAYS
EAcH YEAr
$500 for wellness care
$500 for prescriptions
$3,000 for all other services
$500 for wellness care
Dental and vision benefits. You must take action during Open Enrollment if you want to keep or get
• dental or vision benefits for 2013.
Major medical plans.
TIN
LA U
ONZ
BR
V
SIL ER
You can choose between the BronzE, SIlvEr And Gold vision options.
(In-Network – Blue Cross Blue Shield Providers)*
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
oFFIcE vISIt
100%after$20copay
100%after$20copay
HoSpItAl
90%afterdeductible
90%afterdeductible
EMErGEncY
90%afterdeductible(waivedifadmitted)
90%afterdeductible(waivedifadmitted)
pHArMAcY
(up to 30-day supply)
Generic:25%($10minimum)
Brand:25%($20minimum);35%($25minimum)afterinitialfillandtworefillson
maintenance drugs
MAIl-ordEr
(up to 90-day supply)
Generic:25%($25minimum)
Brand:25%($50minimum)
WEEklY coSt
(how much you pay each week
from your paycheck)
Employee only:
$21.50
Employee +1 dependent:
$42.00
Employee+2ormoredependents:$64.50
Up tO 5 maJOr meDiCal planS:
For employees with at least 2 years of service averaging at least 30 hours a week.
ONZ
BR
Employee only:
$37.00
Employee+1dependent:$67.50
Employee +2 or more dependents: $108.50
RONZE
OPEN ENROLLMENT: NOV. 12-30, 2012
You may enroll yourself and your eligible dependents, including:
SAVINGS!
• Yourspouseorqualifiedsame-genderdomesticpartner
V
SIL ER
GOLD
TIN
LA U
The BronzE, BronzE pluS and SIlvEr plans have higher deductibles
and out-of-pocket costs than our current PPO. However, they also have lower
weekly premiums (amount that comes out of your paycheck) on average.
You pay less up front, but more out-of-pocket if and when you need care. The
Gold and plAtInuMplanscostmoreoutofyourpaycheck,butrequire
less out of your pocket when you receive care.
If you enroll in the Bronze, Bronze Plus or Silver medical plan, the new HeAlTH
sAVings AccounT (HsA) lets you set aside pre-tax money to cover your out-ofpocket medical expenses like deductibles and co-insurance.
$
COmpare anD FinD yOUr perFeCt Fit.
To enroll, go to the eBenefits on DiSH:
Step 1:
First, log in to
DiSH:
- From the restaurant, click My diSH
DepenDent Care Flexible SpenDing aCCOUnt
- From home, use your brand’s name to access DiSH:
The Dependent Care FSA lets you set aside pre-tax money to pay for eligible dependent care expenses. For more details, go
to eBenefits on DiSH. If you want to participate in the Dependent Care FSA in 2013, you must enroll even if you are currently
enrolled. See next page on how to enroll through the Health Insurance Marketplace, AccuHealth.
http://mydish.redlobster.com, http://mydish.olivegarden.com, http://mydish.bahamabreeze.com,
http://mydish.seasons52.com, http://mydish.longhornsteakhouse.com, http://mydish.eddiev.com,
http://mydish.thecapitalgrille.com
CritiCal illneSS anD aCCiDent
NOTE: Type in http:// (instead of www). If you have trouble, try setting your browser to allow
cookies and disabling your pop-up blockers.
The critical illness plan pays a lump sum (either $10,000 or $20,000) directly to you if you develop cancer, need a
major organ transplant or bypass surgery or suffer a heart attack or stroke.
Step 2:
After you log in, click on
Enroll at: www.aflac.com/darden (User ID: first letter of first name, full last name. Password: last four digits
of Social Security Number and 4-digit birth year).
Step 3:
From here, you can
•
For YourSElF, you can choose coverage of $10,000, $15,000 or $20,000. (You must be under age 70
when you enroll.)
•
For Your dEpEndEntS, you can purchase coverage of $10,000 for your spouse/domestic partner and
$5,000 for your children. Children may only be covered up to age 23.
The weekly cost of life insurance for yourself is $0.27 for $10,000, $0.42 for $15,000 and $0.54 for $20,000.
(If you are currently enrolled in the plan you may only increase your coverage by one level each year.) The weekly
costfordependentlifeinsuranceis$0.63,nomatterhowmanydependentsyouhave.don’t forget to update
your beneficiary information through DiSH at eBenefits>Benefits Summary>Supplemental Life and AD&D.
See next page on how to enroll.
Step 4:
Step 5:
eBenefits, then Benefits Enrollment
enroll or make changes to your DayOne plans, as well as the
extra benefits such as life insurance and disability insurance.
submitted
shop
After you’ve enrolled and
your elections for extra benefits, it’s time to
for dental, vision, Dependent Care FSA and major medical (not DayOne) plans through the
HEAltH InSurAncE MArkEtplAcE, AccuHealth. Click on the Health Insurance Marketplace,
AccuHealth, link to shop.
compare plans, estimate your annual costs and
make your selections.
Follow the on screen prompts to
COMPARE
telaDOC
Teladoc lets you talk directly to a doctor any time, day or night. Get peace of mind, save time and money –
and maybe even a trip to the doctor or emergency room. The cost is $0.50 per week to enroll, and $35 for each
consultation with a doctor. to enroll, go to www.teladoc.com.
QuEStIonS?
Call the Total Rewards Service Center
at 888-374-3343.
grOUp legal plan
- For dental, vision and major medical,
press the option for the Health
Insurance Marketplace.
The group legal plan gives you access to a network of lawyers to handle common legal needs, from wills to divorce to
identity theft. There are no limits on the number of times you can seek counsel, and there are no copayments or deductibles
(only filing fees, if applicable). The cost of the coverage is $4.85 per week. See next page on how to enroll.
- For DayOne and all other benefits,
remain on the line to speak with a
representative.
ShOrt term DiSability (StD)
The STD plan has been changed this year to match what is offered by most other employers. the maximum
benefit period is now 26 weeks instead of 52. Because of the change, the plan will cost less in
2013.STDpaysbenefitsupto60%ofyourregularpayifyoucan’tworkbecauseofanillnessorinjury–including
maternity and childbirth or mental health and substance abuse issues. STD benefits begin after seven days of disability.
The maximum benefit period depends on how long you’ve worked for Darden.
•
•
lESS tHAn onE YEAr: STD payments can continue up to 13 weeks.
MorE tHAn onE YEAr:STDpaymentscancontinueupto26weeks.
FIND WHAT FITS YOU : NOV. 12-30, 2012
See next page on how to enroll.
for more deTAils, including AnnuAl benefiT limiTs, go To: ebenefiTs on disH.
DAR_OEHR_13
Y O U R H E a lT H I N S U R a N C E m a R K E T P l a C E ,
a C C U H E a lT H
Our new Health Insurance Marketplace, AccuHealth, helps you compare your
options based on what is important to you. You can sort by plan feature, price,
or group by insurance companies (carriers).
• Yourchildrenuptoage26,iftheydon’thaveemployersponsored coverage available to them, or work for Darden
and only have a DayOne plan available to them.
As part of our comprehensive rewards program, you can also sign up
for other benefits that add to your personal and financial security. Remember this enrollment period is the one time a year you can
makeachangetoyourbenefits,unlessyouhaveaqualifyingfamilystatuschangeduringtheyear.Ifyoudon’tmakechanges
to the following benefits, you’ll have the same election for 2013 (except Dependent Care FSA) with new plan changes and costs.
You can choose life insurance for yourself and your dependents:
*Mostservicesoutofnetwork(non-BlueCrossBlueShieldproviders)arecoveredat80%.
WHO CaN I COvER?
HERE’S HOW TO ENROll
liFe inSUranCe
GOLD
M
New Health Savings Account.
• We’re now offering an HSA
for eligible, full-time employees who enroll in a Bronze, Bronze Plus
or Silver medical plan. The new online Health Insurance Marketplace,
AccuHealth, has more details.
GOLD
3 viSiOn planS:
+
A new way to ‘shop’ for many of your benefits.
• The current dental, vision and PPO medical plans
are being replaced by a wide range of new options. You can compare and shop for these plans, along with Dependent
Care Flexible Spending Accounts, through our new private Health Insurance Marketplace, AccuHealth, which you can
access from DiSH through eBenefits.
prEvEntIvE cArE
V
SIL ER
You can choose between the BronzE, SIlvEr, Gold and plAtInuM
(in limited areas) levels for dental coverage. Typically, Platinum is less
expensive and provides greater coverage when you see an in-network dentist.
However, there is no coverage if you go outside of the network.
E
• You must take action during Open Enrollment if you are currently enrolled in
the PPO medical plan and want major medical for 2013, or if you wish to enroll in one of the new major medical (not
DayOne) plans. You must be a full-time employee with at least 2 years of service and average 30+ hours/week to enroll
in a major medical plan. If you are enrolled in the PPO plan, you must average 20 hours a week to maintain eligibility.
plan payS
$500 for prescriptions
$10,000 for inpatient hospital
$3,000 for all other services
ONZ
BR
E
• If you are enrolled in a DayOne medical plan and want to stay in that plan, you do
not need to take action. Your DayOne enrollment will continue automatically.
DayOne baSiC
Up tO 4 Dental planS:
M
You can continue to choose between the DayOne Basic Plan and the DayOne Plus Plan (which offers an additional $10,000
for inpatient hospital services).
The current dental, vision and PPO medical plans are being replaced by a wider selection of new
plans, offered by insurance companies that are competing for your business. The actual number
of insurance company choices will vary depending on where you live. Not all insurance companies
are available nationwide. Below is an overview of the options. During Open Enrollment, details
can be found in the Health Insurance Marketplace, AccuHealth.
E
SHOP FOR BENEFITS
your way!
EXTRa BENEFITS
MORE
Recent feedback from employees told us they want
more choice for benefits that matter most in their lives.
So for 2013, we’re providing even more choice and
options to fit the various needs of our employees.
For 2013, we’re making two important changes to your benefits:
1. Enhancing the DayOne medical plans so your benefits go further.
2. Replacing our current dental, vision and PPO medical plan options with a wide selection of new plans –
and giving you a whole new way to shop, compare and pick the plans that fit you.
TImE TO GO SHOPPING!
P
inside: leArn wHy you MuSt tAkE
WaY S T O S av E W I T H D aY O N E P l a N S
P
H O U R lY E m P l O Y E E S
WHY JUST ENROll FOR BENEFITS
WHEN YOU CaN SHOP FOR THEm?
B
YOUR 2013 BENEFITS SHOPPING GUIDE
remember: THe denTAl, Vision And mAjor medicAl (noT dAyone) PlAns Are All new, so you
musT enroll beTween noVember 12–30, if you wAnT coVerAge neXT yeAr.
more on eXTrA benefiTs, including eligibiliTy, go To: disH>ebenefiTs>PAy & benefiT info.
see next page on how to enroll in dependent care fsA, life insurance, group legal and sTd.
you musT enroll if you wAnT mAjor medicAl (noT dAyone), denTAl & Vision benefiTs for 2013.
ActIon if you wAnT denTAl, Vision or mAjor medicAl for 2013
The DayOne medical plans, available to all employees starting on day one of employment
with Darden, are being improved for 2013. You’ll receive discounted pricing and a higher level of coverage
when you receive care from health care providers who participate in the nATionwide blue cross blue
sHield neTwork. That’s more than 90%ofdoctorsandhospitalsacrossthecountry!
Inpatienthospitalcare,x-raysandlabswillbecoveredat90%,upfrom80%,afterthedeductible.Andthat’sontopof
providerdiscountsthatcanrangefrom40%to80%,soyourdollarswillreallystretchfurther.
D aY O N E m E D I C a l P l a N S aT a G l a N C E
O P E N E N R O l l m E N T aT a G l a N C E
DayOne medical plans.
DayOne plUS
AnnuAl dEductIBlE
$100
$100
MAxIMuM plAn pAYS
EAcH YEAr
$500 for wellness care
$500 for prescriptions
$3,000 for all other services
$500 for wellness care
Dental and vision benefits. You must take action during Open Enrollment if you want to keep or get
• dental or vision benefits for 2013.
Major medical plans.
TIN
LA U
ONZ
BR
V
SIL ER
You can choose between the BronzE, SIlvEr And Gold vision options.
(In-Network – Blue Cross Blue Shield Providers)*
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
oFFIcE vISIt
100%after$20copay
100%after$20copay
HoSpItAl
90%afterdeductible
90%afterdeductible
EMErGEncY
90%afterdeductible(waivedifadmitted)
90%afterdeductible(waivedifadmitted)
pHArMAcY
(up to 30-day supply)
Generic:25%($10minimum)
Brand:25%($20minimum);35%($25minimum)afterinitialfillandtworefillson
maintenance drugs
MAIl-ordEr
(up to 90-day supply)
Generic:25%($25minimum)
Brand:25%($50minimum)
WEEklY coSt
(how much you pay each week
from your paycheck)
Employee only:
$21.50
Employee +1 dependent:
$42.00
Employee+2ormoredependents:$64.50
Up tO 5 maJOr meDiCal planS:
For employees with at least 2 years of service averaging at least 30 hours a week.
ONZ
BR
Employee only:
$37.00
Employee+1dependent:$67.50
Employee +2 or more dependents: $108.50
RONZE
OPEN ENROLLMENT: NOV. 12-30, 2012
You may enroll yourself and your eligible dependents, including:
SAVINGS!
• Yourspouseorqualifiedsame-genderdomesticpartner
V
SIL ER
GOLD
TIN
LA U
The BronzE, BronzE pluS and SIlvEr plans have higher deductibles
and out-of-pocket costs than our current PPO. However, they also have lower
weekly premiums (amount that comes out of your paycheck) on average.
You pay less up front, but more out-of-pocket if and when you need care. The
Gold and plAtInuMplanscostmoreoutofyourpaycheck,butrequire
less out of your pocket when you receive care.
If you enroll in the Bronze, Bronze Plus or Silver medical plan, the new HeAlTH
sAVings AccounT (HsA) lets you set aside pre-tax money to cover your out-ofpocket medical expenses like deductibles and co-insurance.
$
COmpare anD FinD yOUr perFeCt Fit.
To enroll, go to the eBenefits on DiSH:
Step 1:
First, log in to
DiSH:
- From the restaurant, click My diSH
DepenDent Care Flexible SpenDing aCCOUnt
- From home, use your brand’s name to access DiSH:
The Dependent Care FSA lets you set aside pre-tax money to pay for eligible dependent care expenses. For more details, go
to eBenefits on DiSH. If you want to participate in the Dependent Care FSA in 2013, you must enroll even if you are currently
enrolled. See next page on how to enroll through the Health Insurance Marketplace, AccuHealth.
http://mydish.redlobster.com, http://mydish.olivegarden.com, http://mydish.bahamabreeze.com,
http://mydish.seasons52.com, http://mydish.longhornsteakhouse.com, http://mydish.eddiev.com,
http://mydish.thecapitalgrille.com
CritiCal illneSS anD aCCiDent
NOTE: Type in http:// (instead of www). If you have trouble, try setting your browser to allow
cookies and disabling your pop-up blockers.
The critical illness plan pays a lump sum (either $10,000 or $20,000) directly to you if you develop cancer, need a
major organ transplant or bypass surgery or suffer a heart attack or stroke.
Step 2:
After you log in, click on
Enroll at: www.aflac.com/darden (User ID: first letter of first name, full last name. Password: last four digits
of Social Security Number and 4-digit birth year).
Step 3:
From here, you can
•
For YourSElF, you can choose coverage of $10,000, $15,000 or $20,000. (You must be under age 70
when you enroll.)
•
For Your dEpEndEntS, you can purchase coverage of $10,000 for your spouse/domestic partner and
$5,000 for your children. Children may only be covered up to age 23.
The weekly cost of life insurance for yourself is $0.27 for $10,000, $0.42 for $15,000 and $0.54 for $20,000.
(If you are currently enrolled in the plan you may only increase your coverage by one level each year.) The weekly
costfordependentlifeinsuranceis$0.63,nomatterhowmanydependentsyouhave.don’t forget to update
your beneficiary information through DiSH at eBenefits>Benefits Summary>Supplemental Life and AD&D.
See next page on how to enroll.
Step 4:
Step 5:
eBenefits, then Benefits Enrollment
enroll or make changes to your DayOne plans, as well as the
extra benefits such as life insurance and disability insurance.
submitted
shop
After you’ve enrolled and
your elections for extra benefits, it’s time to
for dental, vision, Dependent Care FSA and major medical (not DayOne) plans through the
HEAltH InSurAncE MArkEtplAcE, AccuHealth. Click on the Health Insurance Marketplace,
AccuHealth, link to shop.
compare plans, estimate your annual costs and
make your selections.
Follow the on screen prompts to
COMPARE
telaDOC
Teladoc lets you talk directly to a doctor any time, day or night. Get peace of mind, save time and money –
and maybe even a trip to the doctor or emergency room. The cost is $0.50 per week to enroll, and $35 for each
consultation with a doctor. to enroll, go to www.teladoc.com.
QuEStIonS?
Call the Total Rewards Service Center
at 888-374-3343.
grOUp legal plan
- For dental, vision and major medical,
press the option for the Health
Insurance Marketplace.
The group legal plan gives you access to a network of lawyers to handle common legal needs, from wills to divorce to
identity theft. There are no limits on the number of times you can seek counsel, and there are no copayments or deductibles
(only filing fees, if applicable). The cost of the coverage is $4.85 per week. See next page on how to enroll.
- For DayOne and all other benefits,
remain on the line to speak with a
representative.
ShOrt term DiSability (StD)
The STD plan has been changed this year to match what is offered by most other employers. the maximum
benefit period is now 26 weeks instead of 52. Because of the change, the plan will cost less in
2013.STDpaysbenefitsupto60%ofyourregularpayifyoucan’tworkbecauseofanillnessorinjury–including
maternity and childbirth or mental health and substance abuse issues. STD benefits begin after seven days of disability.
The maximum benefit period depends on how long you’ve worked for Darden.
•
•
lESS tHAn onE YEAr: STD payments can continue up to 13 weeks.
MorE tHAn onE YEAr:STDpaymentscancontinueupto26weeks.
FIND WHAT FITS YOU : NOV. 12-30, 2012
See next page on how to enroll.
for more deTAils, including AnnuAl benefiT limiTs, go To: ebenefiTs on disH.
DAR_OEHR_13
Y O U R H E a lT H I N S U R a N C E m a R K E T P l a C E ,
a C C U H E a lT H
Our new Health Insurance Marketplace, AccuHealth, helps you compare your
options based on what is important to you. You can sort by plan feature, price,
or group by insurance companies (carriers).
• Yourchildrenuptoage26,iftheydon’thaveemployersponsored coverage available to them, or work for Darden
and only have a DayOne plan available to them.
As part of our comprehensive rewards program, you can also sign up
for other benefits that add to your personal and financial security. Remember this enrollment period is the one time a year you can
makeachangetoyourbenefits,unlessyouhaveaqualifyingfamilystatuschangeduringtheyear.Ifyoudon’tmakechanges
to the following benefits, you’ll have the same election for 2013 (except Dependent Care FSA) with new plan changes and costs.
You can choose life insurance for yourself and your dependents:
*Mostservicesoutofnetwork(non-BlueCrossBlueShieldproviders)arecoveredat80%.
WHO CaN I COvER?
HERE’S HOW TO ENROll
liFe inSUranCe
GOLD
M
New Health Savings Account.
• We’re now offering an HSA
for eligible, full-time employees who enroll in a Bronze, Bronze Plus
or Silver medical plan. The new online Health Insurance Marketplace,
AccuHealth, has more details.
GOLD
3 viSiOn planS:
+
A new way to ‘shop’ for many of your benefits.
• The current dental, vision and PPO medical plans
are being replaced by a wide range of new options. You can compare and shop for these plans, along with Dependent
Care Flexible Spending Accounts, through our new private Health Insurance Marketplace, AccuHealth, which you can
access from DiSH through eBenefits.
prEvEntIvE cArE
V
SIL ER
You can choose between the BronzE, SIlvEr, Gold and plAtInuM
(in limited areas) levels for dental coverage. Typically, Platinum is less
expensive and provides greater coverage when you see an in-network dentist.
However, there is no coverage if you go outside of the network.
E
• You must take action during Open Enrollment if you are currently enrolled in
the PPO medical plan and want major medical for 2013, or if you wish to enroll in one of the new major medical (not
DayOne) plans. You must be a full-time employee with at least 2 years of service and average 30+ hours/week to enroll
in a major medical plan. If you are enrolled in the PPO plan, you must average 20 hours a week to maintain eligibility.
plan payS
$500 for prescriptions
$10,000 for inpatient hospital
$3,000 for all other services
ONZ
BR
E
• If you are enrolled in a DayOne medical plan and want to stay in that plan, you do
not need to take action. Your DayOne enrollment will continue automatically.
DayOne baSiC
Up tO 4 Dental planS:
M
You can continue to choose between the DayOne Basic Plan and the DayOne Plus Plan (which offers an additional $10,000
for inpatient hospital services).
The current dental, vision and PPO medical plans are being replaced by a wider selection of new
plans, offered by insurance companies that are competing for your business. The actual number
of insurance company choices will vary depending on where you live. Not all insurance companies
are available nationwide. Below is an overview of the options. During Open Enrollment, details
can be found in the Health Insurance Marketplace, AccuHealth.
E
SHOP FOR BENEFITS
your way!
EXTRa BENEFITS
MORE
Recent feedback from employees told us they want
more choice for benefits that matter most in their lives.
So for 2013, we’re providing even more choice and
options to fit the various needs of our employees.
For 2013, we’re making two important changes to your benefits:
1. Enhancing the DayOne medical plans so your benefits go further.
2. Replacing our current dental, vision and PPO medical plan options with a wide selection of new plans –
and giving you a whole new way to shop, compare and pick the plans that fit you.
TImE TO GO SHOPPING!
P
inside: leArn wHy you MuSt tAkE
WaY S T O S av E W I T H D aY O N E P l a N S
P
H O U R lY E m P l O Y E E S
WHY JUST ENROll FOR BENEFITS
WHEN YOU CaN SHOP FOR THEm?
B
YOUR 2013 BENEFITS SHOPPING GUIDE
remember: THe denTAl, Vision And mAjor medicAl (noT dAyone) PlAns Are All new, so you
musT enroll beTween noVember 12–30, if you wAnT coVerAge neXT yeAr.
more on eXTrA benefiTs, including eligibiliTy, go To: disH>ebenefiTs>PAy & benefiT info.
see next page on how to enroll in dependent care fsA, life insurance, group legal and sTd.
you musT enroll if you wAnT mAjor medicAl (noT dAyone), denTAl & Vision benefiTs for 2013.
ActIon if you wAnT denTAl, Vision or mAjor medicAl for 2013
The DayOne medical plans, available to all employees starting on day one of employment
with Darden, are being improved for 2013. You’ll receive discounted pricing and a higher level of coverage
when you receive care from health care providers who participate in the nATionwide blue cross blue
sHield neTwork. That’s more than 90%ofdoctorsandhospitalsacrossthecountry!
Inpatienthospitalcare,x-raysandlabswillbecoveredat90%,upfrom80%,afterthedeductible.Andthat’sontopof
providerdiscountsthatcanrangefrom40%to80%,soyourdollarswillreallystretchfurther.
D aY O N E m E D I C a l P l a N S aT a G l a N C E
O P E N E N R O l l m E N T aT a G l a N C E
DayOne medical plans.
DayOne plUS
AnnuAl dEductIBlE
$100
$100
MAxIMuM plAn pAYS
EAcH YEAr
$500 for wellness care
$500 for prescriptions
$3,000 for all other services
$500 for wellness care
Dental and vision benefits. You must take action during Open Enrollment if you want to keep or get
• dental or vision benefits for 2013.
Major medical plans.
TIN
LA U
ONZ
BR
V
SIL ER
You can choose between the BronzE, SIlvEr And Gold vision options.
(In-Network – Blue Cross Blue Shield Providers)*
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
Physicals:100%after$20copay
ChildImmunizations:90%after$20copay
Otherpreventivecareservices:90%
oFFIcE vISIt
100%after$20copay
100%after$20copay
HoSpItAl
90%afterdeductible
90%afterdeductible
EMErGEncY
90%afterdeductible(waivedifadmitted)
90%afterdeductible(waivedifadmitted)
pHArMAcY
(up to 30-day supply)
Generic:25%($10minimum)
Brand:25%($20minimum);35%($25minimum)afterinitialfillandtworefillson
maintenance drugs
MAIl-ordEr
(up to 90-day supply)
Generic:25%($25minimum)
Brand:25%($50minimum)
WEEklY coSt
(how much you pay each week
from your paycheck)
Employee only:
$21.50
Employee +1 dependent:
$42.00
Employee+2ormoredependents:$64.50
Up tO 5 maJOr meDiCal planS:
For employees with at least 2 years of service averaging at least 30 hours a week.
ONZ
BR
Employee only:
$37.00
Employee+1dependent:$67.50
Employee +2 or more dependents: $108.50
RONZE
OPEN ENROLLMENT: NOV. 12-30, 2012
You may enroll yourself and your eligible dependents, including:
SAVINGS!
• Yourspouseorqualifiedsame-genderdomesticpartner
V
SIL ER
GOLD
TIN
LA U
The BronzE, BronzE pluS and SIlvEr plans have higher deductibles
and out-of-pocket costs than our current PPO. However, they also have lower
weekly premiums (amount that comes out of your paycheck) on average.
You pay less up front, but more out-of-pocket if and when you need care. The
Gold and plAtInuMplanscostmoreoutofyourpaycheck,butrequire
less out of your pocket when you receive care.
If you enroll in the Bronze, Bronze Plus or Silver medical plan, the new HeAlTH
sAVings AccounT (HsA) lets you set aside pre-tax money to cover your out-ofpocket medical expenses like deductibles and co-insurance.
$
COmpare anD FinD yOUr perFeCt Fit.
To enroll, go to the eBenefits on DiSH:
Step 1:
First, log in to
DiSH:
- From the restaurant, click My diSH
DepenDent Care Flexible SpenDing aCCOUnt
- From home, use your brand’s name to access DiSH:
The Dependent Care FSA lets you set aside pre-tax money to pay for eligible dependent care expenses. For more details, go
to eBenefits on DiSH. If you want to participate in the Dependent Care FSA in 2013, you must enroll even if you are currently
enrolled. See next page on how to enroll through the Health Insurance Marketplace, AccuHealth.
http://mydish.redlobster.com, http://mydish.olivegarden.com, http://mydish.bahamabreeze.com,
http://mydish.seasons52.com, http://mydish.longhornsteakhouse.com, http://mydish.eddiev.com,
http://mydish.thecapitalgrille.com
CritiCal illneSS anD aCCiDent
NOTE: Type in http:// (instead of www). If you have trouble, try setting your browser to allow
cookies and disabling your pop-up blockers.
The critical illness plan pays a lump sum (either $10,000 or $20,000) directly to you if you develop cancer, need a
major organ transplant or bypass surgery or suffer a heart attack or stroke.
Step 2:
After you log in, click on
Enroll at: www.aflac.com/darden (User ID: first letter of first name, full last name. Password: last four digits
of Social Security Number and 4-digit birth year).
Step 3:
From here, you can
•
For YourSElF, you can choose coverage of $10,000, $15,000 or $20,000. (You must be under age 70
when you enroll.)
•
For Your dEpEndEntS, you can purchase coverage of $10,000 for your spouse/domestic partner and
$5,000 for your children. Children may only be covered up to age 23.
The weekly cost of life insurance for yourself is $0.27 for $10,000, $0.42 for $15,000 and $0.54 for $20,000.
(If you are currently enrolled in the plan you may only increase your coverage by one level each year.) The weekly
costfordependentlifeinsuranceis$0.63,nomatterhowmanydependentsyouhave.don’t forget to update
your beneficiary information through DiSH at eBenefits>Benefits Summary>Supplemental Life and AD&D.
See next page on how to enroll.
Step 4:
Step 5:
eBenefits, then Benefits Enrollment
enroll or make changes to your DayOne plans, as well as the
extra benefits such as life insurance and disability insurance.
submitted
shop
After you’ve enrolled and
your elections for extra benefits, it’s time to
for dental, vision, Dependent Care FSA and major medical (not DayOne) plans through the
HEAltH InSurAncE MArkEtplAcE, AccuHealth. Click on the Health Insurance Marketplace,
AccuHealth, link to shop.
compare plans, estimate your annual costs and
make your selections.
Follow the on screen prompts to
COMPARE
telaDOC
Teladoc lets you talk directly to a doctor any time, day or night. Get peace of mind, save time and money –
and maybe even a trip to the doctor or emergency room. The cost is $0.50 per week to enroll, and $35 for each
consultation with a doctor. to enroll, go to www.teladoc.com.
QuEStIonS?
Call the Total Rewards Service Center
at 888-374-3343.
grOUp legal plan
- For dental, vision and major medical,
press the option for the Health
Insurance Marketplace.
The group legal plan gives you access to a network of lawyers to handle common legal needs, from wills to divorce to
identity theft. There are no limits on the number of times you can seek counsel, and there are no copayments or deductibles
(only filing fees, if applicable). The cost of the coverage is $4.85 per week. See next page on how to enroll.
- For DayOne and all other benefits,
remain on the line to speak with a
representative.
ShOrt term DiSability (StD)
The STD plan has been changed this year to match what is offered by most other employers. the maximum
benefit period is now 26 weeks instead of 52. Because of the change, the plan will cost less in
2013.STDpaysbenefitsupto60%ofyourregularpayifyoucan’tworkbecauseofanillnessorinjury–including
maternity and childbirth or mental health and substance abuse issues. STD benefits begin after seven days of disability.
The maximum benefit period depends on how long you’ve worked for Darden.
•
•
lESS tHAn onE YEAr: STD payments can continue up to 13 weeks.
MorE tHAn onE YEAr:STDpaymentscancontinueupto26weeks.
FIND WHAT FITS YOU : NOV. 12-30, 2012
See next page on how to enroll.
for more deTAils, including AnnuAl benefiT limiTs, go To: ebenefiTs on disH.
DAR_OEHR_13
Y O U R H E a lT H I N S U R a N C E m a R K E T P l a C E ,
a C C U H E a lT H
Our new Health Insurance Marketplace, AccuHealth, helps you compare your
options based on what is important to you. You can sort by plan feature, price,
or group by insurance companies (carriers).
• Yourchildrenuptoage26,iftheydon’thaveemployersponsored coverage available to them, or work for Darden
and only have a DayOne plan available to them.
As part of our comprehensive rewards program, you can also sign up
for other benefits that add to your personal and financial security. Remember this enrollment period is the one time a year you can
makeachangetoyourbenefits,unlessyouhaveaqualifyingfamilystatuschangeduringtheyear.Ifyoudon’tmakechanges
to the following benefits, you’ll have the same election for 2013 (except Dependent Care FSA) with new plan changes and costs.
You can choose life insurance for yourself and your dependents:
*Mostservicesoutofnetwork(non-BlueCrossBlueShieldproviders)arecoveredat80%.
WHO CaN I COvER?
HERE’S HOW TO ENROll
liFe inSUranCe
GOLD
M
New Health Savings Account.
• We’re now offering an HSA
for eligible, full-time employees who enroll in a Bronze, Bronze Plus
or Silver medical plan. The new online Health Insurance Marketplace,
AccuHealth, has more details.
GOLD
3 viSiOn planS:
+
A new way to ‘shop’ for many of your benefits.
• The current dental, vision and PPO medical plans
are being replaced by a wide range of new options. You can compare and shop for these plans, along with Dependent
Care Flexible Spending Accounts, through our new private Health Insurance Marketplace, AccuHealth, which you can
access from DiSH through eBenefits.
prEvEntIvE cArE
V
SIL ER
You can choose between the BronzE, SIlvEr, Gold and plAtInuM
(in limited areas) levels for dental coverage. Typically, Platinum is less
expensive and provides greater coverage when you see an in-network dentist.
However, there is no coverage if you go outside of the network.
E
• You must take action during Open Enrollment if you are currently enrolled in
the PPO medical plan and want major medical for 2013, or if you wish to enroll in one of the new major medical (not
DayOne) plans. You must be a full-time employee with at least 2 years of service and average 30+ hours/week to enroll
in a major medical plan. If you are enrolled in the PPO plan, you must average 20 hours a week to maintain eligibility.
plan payS
$500 for prescriptions
$10,000 for inpatient hospital
$3,000 for all other services
ONZ
BR
E
• If you are enrolled in a DayOne medical plan and want to stay in that plan, you do
not need to take action. Your DayOne enrollment will continue automatically.
DayOne baSiC
Up tO 4 Dental planS:
M
You can continue to choose between the DayOne Basic Plan and the DayOne Plus Plan (which offers an additional $10,000
for inpatient hospital services).
The current dental, vision and PPO medical plans are being replaced by a wider selection of new
plans, offered by insurance companies that are competing for your business. The actual number
of insurance company choices will vary depending on where you live. Not all insurance companies
are available nationwide. Below is an overview of the options. During Open Enrollment, details
can be found in the Health Insurance Marketplace, AccuHealth.
E
SHOP FOR BENEFITS
your way!
EXTRa BENEFITS
MORE
Recent feedback from employees told us they want
more choice for benefits that matter most in their lives.
So for 2013, we’re providing even more choice and
options to fit the various needs of our employees.
For 2013, we’re making two important changes to your benefits:
1. Enhancing the DayOne medical plans so your benefits go further.
2. Replacing our current dental, vision and PPO medical plan options with a wide selection of new plans –
and giving you a whole new way to shop, compare and pick the plans that fit you.
TImE TO GO SHOPPING!
P
inside: leArn wHy you MuSt tAkE
WaY S T O S av E W I T H D aY O N E P l a N S
P
H O U R lY E m P l O Y E E S
WHY JUST ENROll FOR BENEFITS
WHEN YOU CaN SHOP FOR THEm?
B
YOUR 2013 BENEFITS SHOPPING GUIDE
remember: THe denTAl, Vision And mAjor medicAl (noT dAyone) PlAns Are All new, so you
musT enroll beTween noVember 12–30, if you wAnT coVerAge neXT yeAr.
more on eXTrA benefiTs, including eligibiliTy, go To: disH>ebenefiTs>PAy & benefiT info.
see next page on how to enroll in dependent care fsA, life insurance, group legal and sTd.
you musT enroll if you wAnT mAjor medicAl (noT dAyone), denTAl & Vision benefiTs for 2013.