1. Robins & Morton 2019 Benefits
Enroll between October 20th & November 7th for 2019 Benefits
You must elect or waive each benefit option
If you don’t enroll - same benefits in BUT
No FSA or Dependent Care Deduction – must enroll
This does not enroll you for 2018 benefits
Hired Before 10/2/2018 – Enroll for 2018 & 2019
Details in benefit Guide handed out at jobsite
Call HR Helpline with questions

2. Benefit Overview Medical Coverage NEW - HRA $$$ for medical expense
Prescription Drug Benefits .
Dental Coverage
Mental Health & Substance Abuse
Vision Coverage with Safety Glasses
Telemedicine
Short Term Disability
Long-term Disability Insurance
Medical Travel Assist
Will Preparation
Accident Insurance
Hospital Indemnity

3. What’s changed for 2019? Health Reimbursement Account - $$$
Money for you to use for medical care
$500 single, $750 + kids or spouse, $1,000 family
Robins & Morton deposits money in your account
Debit card for medical, dental vision or Rx bills
Medical Dental & Vision – no coverage change
Vision & Dental enrollments are for 2 years
You enroll 90 days after hire or in even years
No enrollment for 2019 unless you are a new hire
Election lasts till the next even year

4. CDHP Plus Health Plan from Blue Cross Blue Shield of AL
2019 Costs for CDHP Plus Health Plan
Employee Only
EE + Spouse
EE + Children
Family
Total Cost:
$565.00
$1,213.00
$896.00
$1,320.00
R&M pays:
$498.00
$1,064.00
$788.00
$1,158.00
Weekly cost:
$15.46
$34.38
$24.92
$37.38
Plan Feature
In-Network
Out-of-Network
Calendar Year Deductible
Individual / Family
$2,700 / $5,000 family
Out-of-Pocket Maximum
$4,050 individual/$8,100 family plus calendar year deductible
After you reach the Calendar Year Out-of-Pocket Max, applicable expenses are covered at 100% for the remainder of the calendar year
Preventive Care
100% No copay or deductible
Not Covered
Most Other Services
Covered at 80%; subject to calendar year deductible
Covered at 50%; subject to calendar year deductible

5. Delta Dental Plan Details
Dental Benefit
Coverage
Deductible
$50 per member/$150 per family per calendar year
Maximum
$1,000 per member each calendar year
Preventive / Diagnostic Care*
(Exams & Cleanings)
100%
Restorative*
(Fillings & Tooth Extraction)
Supplemental*
(Oral Surgery & Anesthesia)
Prosthetic
(Crowns and Dentures)
50%
Periodontics
(Gum Disease)
Dental Benefit
Weekly Premium
Employee
$5.92
Employee+
Spouse
$10.75
Employee + Children
$9.43
Family
$15.57
If you enrolled for you are enrolled for 2019
No new enrollments for 2019

6. VSP Vision Plan Details
Vision Premiums
Weekly Rate
Employee
$2.06
Employee+
Spouse
$3.57
Employee + Children
$3.63
Family
$5.71
Dental Benefit
Coverage
Vision Exam – 1 per calendar year
$10 copay
Prescription Glasses
$10 Copay
Frames – 1 pair Every Other Year
$150 Allowance
Lenses - Single Vision lined bifocal or trifocal Every year
Included
Progressive lenses
$55
Contacts
Safety Glasses
Separate pair – Same allowance as Regular glasses
If you enrolled for you are enrolled for 2019
No new enrollments for 2019

7. Short-term Disability
Short Term Disability Insured by Liberty Life & pays a portion of your base pay if you are disabled
Benefit equals 60% of pre-disability base pay up to $ from day 6 to day 90
Benefits are payable for a maximum of 90 days
Cost is 100% employee paid – Benefit is tax free
You become eligible for the benefit on the 1st of the month following 90 days of service

8. Long-Term Disability Provided by Liberty Life
Monthly Benefit 60% of salary
Pays until Social Security Retirement age
Elimination Period: 90 days
Cost is 100% employee paid – Benefit is tax free
You become eligible for the benefit on the 1st of the month following 90 days of service