2015 Benefits Summary

Transcripción

1 2015 Benefits Summary

2 Benefits OverviewAt-A-Glance Land O Lakes Benefits At-A-Glance Benefits You Automatically Receive Details Learn More Short-Term Disability (STD) Long-Term Disability (LTD) Replaces a portion of your base pay if you are disabled Amount of coverage based on length of service Picks up when STD ends Replaces 50% of pay Page 12 Page 12 Basic Employee Life and AD&D Insurance Benefit equal to 1 x salary Page (k) Savings Plan You and the Company save for your retirement Page 14 Wellness Program Employee Assistance Program (EAP) Paid Time Off (PTO) & Paid Holidays Earn points for healthy behaviors that can be used for health care premium discounts or merchandise Confidential counseling, referrals and information Available to employees and their families PTO based on length of service 10 Company holidays Page 15 Page 15 Page 16 Benefits You Select Details Learn More Medical Insurance* and Prescription Drug Coverage Three plan options Prescription drug coverage included with Medical coverage Pages 4 8 Dental Insurance One option Page 9 Vision Insurance One option Page 10 Flexible Spending Accounts (FSA) Optional Long-Term Disability (LTD) Health Care FSA Dependent Care FSA Picks up when STD ends Replaces 66 2 /3% of pay Page 11 Page 12 Employee Optional Life and AD&D Insurance Optional coverage up to six times base salary Page 13 Spouse and Child Life Insurance and AD&D Optional spouse life coverage Optional child life coverage Optional spouse, child(ren), and family AD&D Page 13 Other Benefits Available to You Details Learn More Educational Assistance Program Reimbursement for job-related coursework Page 17 Employee Development Seminars and workshops for personal and professional growth Page 17 Adoption Assistance Financial assistance to help offset adoption costs Page 17 Land O Lakes Foundation Matching Gifts to Education Program Dollars for Doers Page 17 * You will be enrolled in a plan if you do not elect or decline coverage. 2

3 Benefits Eligibility At Land O Lakes, our amazing employees have made us who we are today the second-largest cooperative in America focused on building a brighter future. We realize the importance of employing the best of the best and offering a comprehensive benefits program to meet their needs. This brochure introduces you to the Land O Lakes Benefits program. If you have additional questions, please contact your recruiter. Who s eligible for Land O Lakes Benefits? Employees who are full-time or full-time reduced (working 30 or more hours a week) are eligible to participate in all Land O Lakes benefits. You can also cover your dependents, including: Spouse Domestic Partner (same sex only), and Children up to age 26* (regardless if they are students, married or financially supported by you) * Children who are mentally or physically disabled, unable to take care of themselves, and financially dependent on you can be covered on all plans as long as you are on the plan there is no age limit. Benefits begin on the first of the month following your date of hire. 3

4 Medical Plans The Land O Lakes Benefit Plans Medical and Prescription Drug Plans Land O Lakes offers competitive, cost-effective plan choices that are meaningful to employees. For all three plans, you and the Plan share the cost of premiums and actual plan costs. In addition, the Land O Lakes Medical Plans have no preexisting condition clause. For your medical insurance, you have three choices: The $500 Deductible Plan The $1,500/$3,000 HRA Plan The $3,000/$6,000 HRA Plan How the Plans Work All of the Land O Lakes Medical Plans are administered by Blue Cross and Blue Shield of Minnesota. All three Plans are PPO Plans. PPO Plans are managed care plans dedicated to finding better ways to manage the rising cost of health care while providing access to quality care. Because the PPOs have negotiated fees for medical services, employees who use in-network providers will pay less than employees who do not use network providers. Medical Plan Premiums The premiums listed below reflect the employee contribution for Land O Lakes pays the majority of the cost of medical plan coverage. Employee Cost for $500 Deductible Plan Level of Coverage Employee Only Employee + Spouse Employee + Child(ren) Employee + Family Per Bi-Weekly Pay Period $49.62 $ $ $ Employee Cost for $1,500/$3,000 HRA Plan Level of Coverage Employee Only Employee + Spouse Employee + Child(ren) Employee + Family Per Bi-Weekly Pay Period $44.30 $ $99.67 $ Employee Cost for $3,000/$6,000 HRA Plan Level of Coverage Employee Only Employee + Spouse Employee + Child(ren) Employee + Family Per Bi-Weekly Pay Period $24.00 $66.23 $57.59 $

5 Medical Plans Plan Highlights Details of benefits will be outlined in the Summary Plan Descriptions. $500 Deductible $1,500/$3,000 HRA Plan $3,000/$6,000 HRA Plan In-network Out-of-network In-network Out-of-network In-network Out-of-network Annual deductible $500 per individual $1,000 per family $1,500 for Employee Only $3,000 for Employee + Dependent(s) $3,000 for Employee Only $6,000 for Employee + Dependent(s) These amounts will be reduced by the amount of your HRA fund. Company-funded HRA N/A $83 per month for Employee Only 1 $83 per month for Employee Only 1 $166 per month for Employee + Dependent(s) 1 $166 per month for for Employee + Dependent(s) 1 Fund is prorated monthly for new participants and reduces total out-of-pocket expenses including deductible Out-of-pocket maximum (includes deductible and coinsurance payments) $3,000 per individual $6,000 per family $3,500 per individual $7,000 per family $3,000 for Employee Only $6,000 for Employee + Dependent(s) $4,000 for Employee Only $8,000 for Employee + Dependent(s) $4,500 for Employee Only $9,000 for Employee + Dependent(s) $5,500 for Employee Only $11,000 for Employee + Dependent(s) These amounts will be reduced by the amount of your HRA fund. Office visit Plan pays 80% after Plan pays 60% of allowed amount after Plan pays 80% after Plan pays 60% of allowed amount after Plan pays 80% after Plan pays 60% of allowed amount after Preventive care Physical exams Cancer screenings Well Woman Care, including contraception and pre-natal care Well child care (up to age 6) Immunizations Plan pays 100%; no Plan pays 60%; no Plan pays 100%; no Plan pays 60%; no Plan pays 100%; no Plan pays 60%; no 1 For a full year of coverage, the Company funds $1,000 for Employee Only coverage and $2,000 for Employee + Dependent(s) coverage. These amounts are prorated monthly for mid-year enrollments, but the entire allocation is provided on the first day of coverage. What does allowed amount mean? The allowed amount determines payment for a given covered service for a specific provider. The allowed amount may vary from one provider to another for the same service. continued > 5

6 Medical Plans Plan Highlights (continued) $500 Deductible $1,500/$3,000 HRA Plan $3,000/$6,000 HRA Plan In-network Out-of-network In-network Out-of-network In-network Out-of-network Outpatient lab services Plan pays 80% after Plan pays 60% of allowed amount after Plan pays 80% after Plan pays 60% of allowed amount after Plan pays 80% after Plan pays 60% of allowed amount after Emergency care (includes ambulance and urgent care) Plan pays 80% after Plan pays 60% of allowed amount after Covered at in-network benefit if true emergency. Plan pays 80% after Plan pays 60% of allowed amount after Covered at in-network benefit if true emergency. Plan pays 80% after Plan pays 60% of allowed amount after Covered at in-network benefit if true emergency. Inpatient hospital stay Plan pays 80% after Plan pays 60% of allowed amount after Plan pays 80% after Plan pays 60% of allowed amount after Plan pays 80% after Plan pays 60% of allowed amount after Outpatient surgery Plan pays 80% after Plan pays 60% of allowed amount after Plan pays 80% after Plan pays 60% of allowed amount after Plan pays 80% after Plan pays 60% of allowed amount after Chiropractic care 30 visits maximum per year 2, 3 Plan pays 80% after Plan pays 60% of allowed amount after Plan pays 80% after Plan pays 60% of allowed amount after Plan pays 80% after Plan pays 60% of allowed amount after Prescription Drugs (Administered by Express Scripts) Retail Pharmacy (up to a 30 day supply) Generic: You pay 25% ($10 min) Preferred brand: You pay 25% ($35 min) Non-preferred brand: You pay 25% ($70 min) On the fourth fill of maintenance drug fill at retail pharmacy, you pay 50% ($15 min generic, $60 min preferred brand, $130 min non-preferred brand) Mail Order (up to a 90-day supply) Generic: You pay 25% ($25 min, $60 max) Preferred brand: You pay 25% ($75 min, $150 max) Non-preferred brand: You pay 25% ($150 min, $300 max) Annual Out-of-Pocket Maximum for Prescription Drugs Individual: $2,100 Family: $4,200 Lifetime Maximum None 2 In- and out-of-network combined 3 Per covered individual 6

7 Medical Plans Paying for Services In addition to sharing the monthly premium cost with the Company, you share in the cost of the services you receive. Here is how you and the Plans share costs: Deductible For the $500 Deductible Plan: You pay the first $500 of covered expenses for each individual and a maximum of $1,000 for your family. Prescription drug expenses do not apply towards the You are responsible for prescription drug costs up front until you reach the separate out-of-pocket maximum. For the HRA Plans: There is no individual deductible if you are covering dependents. Your HRA fund pays the first part of your Once it has a zero balance, you pay the remaining part of your Prescription drug expenses do not apply towards the You are responsible for prescription drug costs up front until you reach the separate out-of-pocket maximum. Coinsurance After you meet your deductible, you and the Plan share costs through coinsurance until you reach your out-of-pocket maximum. Out-of-Pocket Maximum The amount you must pay out of your own pocket for your annual deductible and coinsurance is limited each Plan year. This limit is called your out-of-pocket maximum (OOPM). For the $500 Deductible Plan: Once an individual has met his or her OOPM, the Plan will pay that individual s covered expenses at 100% for the rest of the Plan year. Once the family OOPM is met, the Plan will pay 100% of covered medical expenses for all family members for the rest of the Plan year. For the HRA Plans: There is no individual OOPM if you are covering dependent(s). Once you have met your OOPM, the Plan will pay all covered expenses at 100% for the rest of the Plan year. For all Plans: Medical OOPMs do not include premiums, prescription drug expenses (those apply to the Prescription Drug OOPM), non-compliance penalties, and amounts above the allowed amount. You will still be responsible for these expenses once your annual OOPM has been reached. Separate out-of-pocket maximum for prescription drugs There are separate out-of-pocket maximums for prescription drugs that will limit how much you pay out of your own pocket. Prescription drug expenses apply to your prescription drug out-of-pocket maximum only. If you enroll in the $500 Deductible Plan, the most you will pay for prescription drugs in a Plan year is $2,100 per individual or $4,200 per family. If you enroll in one of the HRA Plans, the most you will pay for prescriptions drugs in a Plan year is $2,100 if you enroll in Employee Only coverage or $4,200 if you enroll in Employee + Dependent(s) coverage. The out-of-pocket maximum includes both retail and mail order prescription expenses. Summary Plan Descriptions (SPDs) are available at or you may receive a printed copy free of charge by contacting the Benefits Department at benefits@landolakes.com. 7

8 HRA Plans How the Company-funded Health Reimbursement Arrangement (HRA) Plans Work The HRA Plans include a fund that provides first-dollar coverage. The Company funds the HRA. You are not responsible for contributing funds. In 2015, the Company will fund the HRA at the following levels for full year enrollments: $1,000 for Employee Only coverage $2,000 for Employee + Dependent(s) coverage Funds are prorated monthly for midyear enrollments. For example, if you were hired in March your benefits would be effective April 1. You would receive $750 HRA fund for Employee Only coverage and $1,500 HRA fund for Employee + Dependents coverage. This money pays the first part of your annual deductible for you. This means, you do not start paying anything until you have used up your HRA. The HRA fund can be used for any covered person in your family (or any combination of people) and is paid out on a first claim basis. Using the HRA fund is automatic. You don t need to submit any claim forms or receipts if you see an in-network provider. Any HRA fund left over at the end of the year will be rolled over to the next calendar year. The rollover amount will be added to your annual Company-fund amount, increasing your total HRA fund. 8

9 Dental Plan Dental Plan The Land O Lakes Dental Plan will give you something to smile about. Delta Dental USA administers our dental plan. Here are some highlights of the plan: Type of Service Annual Deductible Coinsurance Benefit Maximum Diagnostic and Preventive (Exams and Cleanings) No deductible Plan pays 100% of allowed amount Basic (fillings) $50 per individual per year Plan pays 80% of allowed amount after deductible $1,500 per covered person per Plan year Major (crowns and bridges) $150 family maximum Plan pays 50% of allowed amount after deductible Orthodontia (braces) No deductible Plan pays 50% of allowed amount $2,000 per covered person per lifetime Dental Plan Premiums The premiums listed below reflect the employee contribution for Land O Lakes pays the majority of the cost of dental plan coverage. Per Bi-Weekly Pay Period Employee Only Employee + Spouse Employee + Child(ren) Employee + Family $6.68 $13.37 $14.08 $

10 Vision Plan Vision Plan The Land O Lakes Vision Plan will help keep you seeing clearly. With the EyeMed Vision Plan, you can see any vision provider, but you receive higher coverage when you see a provider in the EyeMed Provider network. EyeMed has more than 56,000 in-network providers. In-network providers include, but are not limited to, LensCrafters, Pearle Vision, Target Optical and Sears Optical. Here are some highlights of the vision plan: In-Network Out-of-Network Eyeglass Exams (every 12 months) 100% covered $35 reimbursement Lenses (single, bi-focal & tri-focal) (every 12 months) Frames (every 24 months) 100% covered for plastic lenses $40 copay for polycarbonate $130 allowance; 20% off balance Single: $25 reimbursement Bifocal: $40 reimbursement Trifocal: $55 reimbursement $65 reimbursement Contacts (in lieu of glasses and limited to one claim filed per calendar year) $130 allowance $110 reimbursement Diabetes Eye Care Benefit The Vision Plan offers benefits for individuals with diabetes, including an additional eye exam each year and other diagnostic tests, as recommended by your eye care professional. For more details, refer to the Summary Plan Description. Premiums for EyeMed Vision Plan The premiums listed below reflect the employee contribution for Land O Lakes pays the majority of the cost of vision plan coverage. Per Bi-Weekly Pay Period Employee Only Employee + Spouse Employee + Child(ren) Employee + Family $1.45 $2.67 $2.60 $

11 Flexible Spending Accounts Flexible Spending Accounts Land O Lakes offers two flexible spending accounts (FSAs) to help employees save money on health care and dependent care expenses. Health Care FSA You can set aside dollars for reimbursement of most medical, prescription drug, dental and vision expenses not paid by any other benefit source. Each year, you may contribute up to $2,500. Reimbursements are easy with a debit card tied to your account. Roll Over up to $500 If you do not use all your Health Care FSA funds, you can roll over up to $500 to be used the following calendar year. Unused funds in excess of $500 will be forfeited. Details are outlined in the Summary Plan Descriptions. Dependent Care FSA You can set aside dollars for reimbursement of many dependent-care expenses incurred from eligible providers. Each year, you may contribute up to $5,000. Use It or Lose It The Dependent Care Account has a use it or lose it rule. If you do not use your FSA funds for expenses you incurred within that calendar year, you lose them. They cannot be carried over. Details of benefits are outlined in the Summary Plan Descriptions. 11

12 Disability Insurance Disability Insurance Short-Term Disability Land O Lakes provides short-term disability coverage to eligible employees beginning the first day of employment. This benefit is provided at no cost to you. Your STD coverage replaces a portion of your base pay after five working days of disability, up to 25 weeks. Your amount of coverage is based on your length of service. Length of Service Benefit Amount 0 to 4 years 75% 5 to 8 years 80% 9 to 11 years 90% 12+ years 100% Long-Term Disability Eligible employees automatically receive Long-Term Disability (LTD) coverage of 50%. This benefit is provided by Land O Lakes. You may purchase a buy-up option that will provide 66 2 / 3% coverage. Your LTD coverage replaces a portion of your annual base pay if your disability continues beyond 26 weeks. 12

13 Life and AD&D Insurance Life and AD&D Insurance Land O Lakes provides employees with Basic Life and Accidental Death & Dismemberment (AD&D) insurance, with the option to purchase additional coverage for themselves and their dependents. The following is a summary of the Life and AD&D Insurance coverage available to you. Life Benefit AD&D Benefit Who Pays Company-paid Life Insurance 1 x your salary Optional Life Insurance 1 x to 6 x salary Spouse Life Insurance* $10,000 $25,000 $50,000 $75,000** $100,000** Child Life Insurance $5,000 $10,000 $15,000 $20,000 $25,000 Company-paid AD&D Insurance 1 x your salary Optional AD&D Insurance 1 x to 6 x salary Optional AD&D Insurance for Your Family Family coverage 40% of your optional AD&D coverage for your spouse and 10% of your optional AD&D coverage for your child(ren) Spouse only coverage 50% of your optional AD&D coverage Child(ren) only coverage 15% of your optional AD&D coverage Land O Lakes You pay the full cost with after-tax dollars. You pay the full cost with after-tax dollars. * Spouse Life Insurance amount cannot exceed 50% of employee s Life Insurance amount. ** Evidence of insurability is required. Note: Benefits may reduce at age 65. Please refer to the Summary Plan Description for more details. 13

14 401(k) Savings Plan 401(k) Savings Plan Land O Lakes provides an opportunity for you to save for your retirement. Your employment status determines your eligibility for the Plan: As a full-time employee, you are eligible for immediate participation. As a part-time employee, you qualify for participation after 1,000 hours worked in a year. Highlights of the Plan include: You: Are automatically enrolled at a 6% before-tax contribution rate approximately 30 days after you become eligible if you haven t actively enrolled or made an election declining enrollment. Contributions will be invested in the Target Retirement Date Fund closest to the year you reach 65 until you make a different election. May actively enroll in the Plan prior to automatic enrollment or opt out immediately or any time in the future. You can join the Plan anytime. May choose to save in the following ways: Tax savings now with before-tax contributions Tax-free income in retirement with Roth 401(k) contributions Tax-free income in retirement with after-tax contributions A combination of any of these three types of contributions. Maximize the Company match by contributing at least 5% of your pay. May access your account online and change your contribution percentage as often as you want. Create your own investment strategy by investing your account balance in any combination of twelve core investment funds and an array of Target Retirement Date Funds. The Company: Makes a matching contribution on the first 5% of pay you contribute to the plan. Both before-tax and Roth 401(k) contributions are match eligible. Maximum Matching contribution equals 4% of pay as follows: 100% match on the first 3% you contribute 50% match on the next 2% you contribute Makes a Company Retirement Contribution (CRC) of 3%, 4% or 5% of pay to the Plan automatically, whether or not you contribute. CRC percentage is determined by age and service points. One point is earned for each year of age and each year of service: 3% - less than 40 points 4% - 40 to 49 points 5% - 50 or more points Provides 25% vesting per year on the Company Match and Company Retirement Contributions, with 100% vesting after four years. (Your own contributions are always fully vested.) Partners with Financial Engines to help employees with their total retirement picture by offering personalized retirement planning help for saving, investing, and retirement income. Under the Plan, your salary includes your base pay, bonus, overtime, and commissions. 14

15 Wellness Program/EAP Wellness Program We consider our employees to be our most important asset. We want to help YOU be the best you can be at work and at home. And, not just physically your best, but we care about your financial and emotional health too. Through the Wellness program, you earn points when you participate in specific health and wellness activities. You use your points to get health care premium discounts and buy merchandise from an online shopping site. In addition to earning points, you have access to helpful tools and resources that help you manage your finances and save for the future, lower stress, get fit and much more! Employee Assistance Program You and your dependents are eligible to participate in the Employee Assistance Program (EAP) offered through Land O Lakes. Highlights of this program include, but are not limited to: Confidential counseling, referral and information. Receive assistance with problems such as family/ marital conflict, family budgeting, children s problems, parent/child conflict, and divorce/ single-parent adjustment. Child-care referrals. Request a list of child-care providers, tailored to your specific needs. Eldercare. Locate necessary services, education programs, support groups, and individual or family counseling. 15

16 Paid Time Off & Holidays Paid Time Off & Paid Holidays The Paid Time Off (PTO) program provides employees time off for vacations, brief illnesses and personal needs. You decide how to use your PTO and when to use it (in consultation with your supervisor). Additional highlights of PTO: PTO usage must be completed by the end of each payroll year. A maximum of five days (40 hours) of unused PTO can be carried over from one year to the next, with supervisor approval. Each new payroll year you receive a new grant of PTO days. Paid Time Off Schedule * Length of Service Year 1 (year of hire; grant is effective first of the month following your start date.) Years 2 and 3 Years 4 and 5 Year 6 through Year 15 Year 16 and beyond Paid Time Off Granted Each New Payroll Year 12 days prorated 15 days 20 days 25 days 30 days Paid Holidays In 2015, Land O Lakes paid holidays include: Eight designated Company holidays Two floating personal holidays prorated depending on date of hire: Hire date on or before June 30: 2 floating personal holidays Hire date July 1 to November 30: 1 floating personal holiday Employees hired on or after December 1 will receive floating holidays the following year Corporate Holiday Schedule ** New Year s Day Thursday, January 1 Memorial Day Monday, May 25 Independence Day Friday, July 3 Labor Day Monday, September 7 Thanksgiving Thursday, November 26 Friday, November 27 Christmas Thursday, December 24 Friday, December 25 * Due to different state laws, please check with your location manager or Human Resources Department for detailed information on PTO in your state. * * Holiday schedule may vary by location. Check with your manager to obtain the Holiday Schedule for your location. 16

17 Other Programs Educational Assistance All regular employees are eligible to participate in the Land O Lakes Educational Assistance Program. You must obtain your manager s approval to receive educational assistance, and your coursework must be job-related or part of an approved degree program to qualify for reimbursement. Highlights of the program: Up to $5,250 annually for full-time employees; up to $2,655 annually for part-time employees Covered costs include tuition, laboratory fees and registration fees. Course must be completed satisfactorily. Reimbursement is made upon completion of the course. Employee Development Land O Lakes values employee development and recognizes it is key to our organization s success. We expect all employees (full and part time) to continuously upgrade their performance and skill development. Land O Lakes provides a variety of tools and resources (internal and external) to guide employees professional growth and learning. Internal employee development resources include classroom training, online courses, online books, and leadership development programs that cover a wide range of business-related topics. Adoption Assistance Land O Lakes offers financial support to employees adopting a child. Reimbursement is up to $6,000 for specific adoption-related expenses. This benefit is available to you for adoptions finalized after you have completed nine months of employment at Land O Lakes. Land O Lakes Foundation Land O Lakes Foundation is committed to improving the quality of life in communities where Land O Lakes has members, employees, plants and facilities. The Foundation proactively helps communities prosper and prepare for tomorrow by donating resources that develop and strengthen organizations dedicated to hunger relief, education and community. The Foundation partners in giving with employees through the following programs: Matching Gifts to Education Program This program supports educational programs including K-12 schools, universities, colleges and vocational technical schools, and public broadcasting by matching individual employee gifts to eligible educational institutions up to $2,000 annually. Dollars for Doers Program This program rewards community volunteerism through financial grants, up to $1,000 annually, to eligible nonprofit organizations based on the amount of time a volunteer gives to the organization. Group Volunteer Projects Volunteer with at least two other employees/retirees for a combined minimum of 30 hours, and the Foundation will award a $300 grant to the eligible nonprofit. United Way Pledge Matches Land O Lakes Foundation will match new or increased pledges by employees to the United Way made during the Land O Lakes corporate campaign week in the fall each year. 17

18 This booklet provides information about the 2015 Land O Lakes benefits. It is not intended to create or imply a contract of employment. The Plans described here are governed by Plan Documents (including Summary Plan Descriptions). If there is a discrepancy between what is contained in this booklet and in the Plan Document, the terms of the Plan Document will govern. The Company has the right to amend or terminate the Plans described here at any time for any reason. The Company reserves the right to determine eligibility for all benefits and to interpret any and all terms of the health and welfare benefit Plans. The Company shall also have the power and discretion to determine all questions arising in connection with the administration, interpretation and application of the Plans. Land O Lakes, Inc. is an Equal Opportunity and Affirmative Action Employer

19 Resumen de Beneficios 2015

20 Benefits Visión general At-A-Glance Vistazo a los beneficios con Land O Lakes Beneficios que usted recibe automáticamente Incapacidad a Corto Plazo (STD) Incapacidad a Largo Plazo (LTD) Detalles Sustituye una parte de su salario base en caso de incapacidad. La cantidad de la cobertura se basa en los años de servicio. Empieza al terminar la Incapacidad a Corto Plazo (STD). Sustituye el 50% del salario Más información Página 12 Página 12 Seguros de Vida y Muerte Accidental y Desmembramiento (AD&D) Básicos para Empleado Beneficio equivalente al salario multiplicado por 1 Página 13 Plan de Ahorros 401(k) Usted y la Compañía ahorran para su jubilación Página 14 Programa de Incentivos en Bienestar Programa de Asistencia para Empleados (EAP) Tiempo Libre Pagado (PTO) y Feriados Remunerados Beneficios que usted elige Seguro médico y cobertura de Recetas Médicas* Gane puntos al participar en comportamientos saludables que puedan utilizarse para obtener descuentos en primas para el cuidado de la salud o para comprar productos que usted elija. Asesoramiento confidencial, referencias e información. Disponible para los empleados y sus familias. Tiempo Libre Pagado basado en los años de servicio. 10 días feriados con la Compañía. Detalles 3 opciones de planes Cobertura de recetas médicas incluida con la cobertura médica Página 15 Página 15 Página 16 Más información Páginas 4 8 Seguro dental Una opción Página 9 Seguro para la Vista Una opción Página 10 Cuentas de Gastos Flexibles (FSA) Incapacidad a Largo Plazo (LTD) Opcional Cuenta de Gastos Flexibles para el Cuidado de la Salud Cuenta de Gastos Flexibles para el Cuidado de Dependientes Empieza al terminar la Incapacidad a Corto Plazo. Sustituye el 66 2 /3% del salario. Página 11 Página 12 Seguros de Vida y Muerte Accidental y Desmembramiento (AD&D) Opcionales para Empleado Cobertura opcional hasta por seis veces el salario base. Página 13 Seguros de Vida y Muerte Accidental y Desmembramiento (AD&D) Opcionales para Cónyuge e Hijos Otros beneficios disponibles para usted Cobertura de seguro de vida opcional para cónyuge Cobertura de seguro de vida opcional para hijo(s) Cobertura de seguro de AD&D opcional para familia, cónyuge e hijo(s) Detalles Página 13 Más información Programa de Asistencia Educativa Reembolso para cursos relacionados con el trabajo. Página 17 Desarrollo del Empleado Seminarios y talleres para desarrollo personal y profesional. Página 17 Ayuda para Adopción Fundación Land O Lakes Asistencia financiera para ayudar a compensar los costos por adopción. Aportes recíprocos para programas de educación Programa Dollars for Doers Página 17 Página 17 * Usted será registrado en un plan, si no elige o si declina la cobertura. 2