2018 Benefits Guide - Allstate Benefits

Page created by Diana Townsend
2018 Benefits Guide
Your 2018 Benefits
TopBuild’s benefits framework and our Health Promise is built around health care tools, prevention, choices and action, and is designed to support the
health and well being of our employees and their families. Your benefits are an important part of your total compensation and we remain committed to
providing quality, cost-effective health care coverage.

For New Employees Enrolling for the First Time
    When do I enroll? • Before your 30th day of employment for salary employees
                      • Before your 90th day of employment for hourly employees
                      If you do not enroll by your deadline, you will not have coverage for any plans requiring an employee contribution, except disability, for the rest of the
                      calendar year unless you have a life event.
     How do I enroll? • Read the Benefits Enrollment Guide
                      • To enroll, log into http://www.allstatevoluntary.com/topbuild/
      When does my Generally:
    coverage begin? • On the 1st of the month following 30 days for salary employees
                      • On the 1st of the month following 90 days for hourly employees

For All Other Employees
    When do I enroll? During Open Enrollment
     How do I enroll? • Read the Benefits Enrollment Guide
                      • To enroll, log into http://www.allstatevoluntary.com/topbuild/ or by calling 877-627-0334 option 2
      When does my Generally, on the following January 1st
     coverage begin?

For All Employees
     How do I access Log into http://www.allstatevoluntary.com/topbuild/
         from work?
     How do I access Log into http://www.allstatevoluntary.com/topbuild/
        from home?
     How do I decide? Need assistance choosing which plan is best for you, try Alex - http://www.allstatevoluntary.com/topbuild/
         Confirm your Review your elections online and report any discrepancies within 30 days of your effective date

Step 1) Determine Who’s Eligible

                              You may choose:
                              You are eligible to enroll for health care benefits if you are an active employee, regularly working at least 30 hours per week.

If you enroll a new
dependent, you must           Your legal spouse
provide the required
documentation (e.g.,
                              You are eligible to enroll your legal spouse. Review the Affidavit for plan participation requirements and provide the required
birth certificate, marriage   documents for approval.
certificate, current tax
form and working spouse       		   Working Spouse Rule
affidavit). Dependent         		Our health care plans have the “Working Spouse Rule,” which means that if your spouse is employed, and his or
audits have been
outsourced to HMS.
                                  her employer contributes to the cost of medical coverage, your spouse MUST be enrolled for at least individual
Spouses must be                   coverage in that company’s plan in order to be covered on a secondary basis under our medical and/or
recertified annually.             dental plan.
See enrollment website
for additional details.

                              Your and/or your spouse’s child(ren)
                              Eligible children (described below) can be covered until the end of the month in which they turn age 26 regardless of financial
                              dependence, marital status or eligibility for their own employer-sponsored coverage.

                              	Biological or Legally Adopted Children
                              	Including those for whom you or your spouse are obligated through a court order to provide health care coverage,
                                or for whom the plan is obligated under a Qualified Medical Support Order or a National Medical Support Notice
                                to provide health care coverage.
                                Children Placed with You
                              	For adopted, foster children placed by authorized placement agency or by judgment decree/court order, or any
                                children for whom you or your spouse are named legal guardian/custodian.
                                    Physically or Mentally Incapacitated Children
                                    May be eligible for coverage beyond age 26 if enrolled in the plan before their 26th birthday.

Step 2) Review Your Plan Options and Costs

                          The Company pays a significant amount of your health care benefit costs. However, you are asked to share a portion of the
                          cost. You can choose who you cover for medical, dental, and vision coverage. For example, you can choose “Employee Only”
                          for medical, “Family” for dental, and “Waive” for vision. See the Employee Contributions in each section for your 2018 costs.

The tobacco user charge                                           NON-TOBACCO USER                                                                    TOBACCO USER
is $70 per month.
Certain medications to                                     WEEKLY RATES     SEMI-MONTHLY RATES                                           WEEKLY RATES      SEMI-MONTHLY RATES
                                   MEDICAL                                                                        MEDICAL
help you stop smoking                                        (Hourly)             (Salary)                                                 (Hourly)              (Salary)
are 100% covered.
For information contact   ENHANCED                                                                      ENHANCED
Aetna.                                    Employee Only       $39.46                 $85.50                             Employee Only        $55.62                $120.50
                                    Employee & Spouse         $136.62                $296.00                       Employee & Spouse        $152.77                $331.00
                                   Employee & Child(ren)      $121.62                $263.50                     Employee & Child(ren)      $137.77                $298.50
                                                 Family       $193.38                $419.00                                   Family       $209.54                $454.00

                          CONSUMER                                                                      CONSUMER
                                          Employee Only       $28.38                 $61.50                             Employee Only        $44.54                 $96.50
                                    Employee & Spouse         $97.62                 $211.50                       Employee & Spouse        $113.77                $246.50
                                   Employee & Child(ren)      $64.62                 $140.00                     Employee & Child(ren)       $80.77                $175.00
                                                 Family       $142.38                $308.50                                   Family       $158.54                $343.50

                          BEST VALUE                                                                    BEST VALUE
                                          Employee Only       $22.15                 $48.00                             Employee Only        $38.31                 $83.00
                                    Employee & Spouse         $88.62                 $192.00                       Employee & Spouse        $104.77                $227.00
                                   Employee & Child(ren)      $60.92                 $132.00                     Employee & Child(ren)       $77.08                $167.00
                                                 Family       $134.08                $290.50                                   Family       $150.23                $325.50

                           You may still qualify for the non-tobacco user rates if you participate in the stop smoking program that the Company makes available. Additionally,
                           the Company will accommodate the recommendation of your physician in certain circumstances, if the program is not medically appropriate for you.
                           Contact the Benefits Department at 1-877-627-0334 (option 2) for details on the stop smoking program or with any questions.

Medical Plan Overview

          Enhanced Plan                                    Consumer Plan                                   Best Value Plan
              Lowest Deductible                                 High Deductible                                  Mid Deductible
         Co-pays for More Services                          Higher Out of Pocket Max                       Lowest Out of Pocket Max
             Benefits for Bariatric                        Co-pays for More Services                 Will Cost the least from your Paycheck
      Benefits for Orthopedic Footcare                    In and Out of Network Care                         Narrow Network Only
   Will Cost the most from your Paycheck               Will Cost less from your Paycheck

 You may see an In or Out-of-Network Doctor       You may see an In or Out-of-Network Doctor,     You must see an In-Network Doctor. Show the
of your choice. Show the provider your ID card   of your choice. Show the provider your ID card     provider your ID card with the Aetna logo.
 with the Aetna logo. The Provider will submit    with the Aetna logo. The Provider will submit   You will pay 100% of the negotiated rate until
  the claim to Aetna and you will only have to     the claim to Aetna and you will only have to              your deductible is met.
  pay your co-pay or deductible/coinsurance        pay your co-pay or deductible/coinsurance
          after Aetna pays it’s portion.                   after Aetna pays it’s portion.

ENHANCED PLAN                                                                      CONSUMER PLAN                                                                       BEST VALUE PLAN
                                                            IN-NETWORK                            OUT-OF-NETWORK                                IN-NETWORK                            OUT-OF-NETWORK                       NARROW NETWORK ONLY                             OUT-OF-NETWORK
                                                    (MEMBER RESPONSIBILITY)                  (MEMBER RESPONSIBILITY)                    (MEMBER RESPONSIBILITY)                 (MEMBER RESPONSIBILITY)                     (MEMBER RESPONSIBILITY)                   (MEMBER RESPONSIBILITY)
             Deductible - (Individual / Family)                $800/$1,600                              $1,600/$3,200                            $2,500/$5,000                             $5,000/$10,000                             $2,000/$4,000                                   N/A
Out of Pocket Maximum - (Individual / Family)                $5,000/$10,000                           $10,000/$20,000                            $5,000/$10,000                           $10,000/$20,000                             $4,000/$8,000                                   N/A
        Coinsurance (after deductible is met)        Plan pays 80%: You pay 20%                Plan pays 50%: You pay 50%               Plan pays 80%: You pay 20%                Plan pays 50%: You pay 50%                 Plan pays 70%: You pay 30%                               N/A

                 Physician Office Visit
                             Preventive Care      No cost to you, covered at 100%                  50% after deductible               No cost to you, covered at 100%                  50% after deductible               No cost to you, covered at 100%                             N/A
                      Primary Care Physician                   $25 co-pay                          50% after deductible                            $35 co-pay                          50% after deductible                                                                           N/A
                                                                                                                                                                                                                                 30% after deductible
                                    Specialist                 $40 co-pay                          50% after deductible                            $50 co-pay                          50% after deductible                                                                           N/A

                                      Teladoc     No cost to you, covered at 100%                       Not covered                   No cost to you, covered at 100%                       Not covered                   No cost to you, covered at 100%                             N/A

               Diagnostic Lab & Xray
         Independent Clinical Lab - (Routine)     No cost to you, covered at 100%                  50% after deductible               No cost to you, covered at 100%                  50% after deductible               No cost to you, covered at 100%                             N/A
    Independent Clinical Lab - (Non-Routine)             20% after deductible                      50% after deductible                      20% after deductible                      50% after deductible                      30% after deductible                                 N/A
     Independent Diagnostic Testing Facility             20% after deductible                      50% after deductible                      20% after deductible                      50% after deductible                      30% after deductible                                 N/A

                     Hospitalization &
                   Outpatient Services
                            Inpatient Hospital           20% after deductible                      50% after deductible                      20% after deductible                      50% after deductible                      30% after deductible                                 N/A
                          Outpatient Hospital            20% after deductible                      50% after deductible                      20% after deductible                      50% after deductible                      30% after deductible                                 N/A
                                                                                             In-network level if emergency,                                                      In-network level if emergency,
                          Emergency Room*         $150 co-pay (waived if admitted)                                                    $250 co-pay (waived if admitted)                                                           30% after deductible                                 N/A
                                                                                               if not, 50% after deductible                                                        if not, 50% after deductible
                          Urgent Care Center                       $50                             50% after deductible                                $75                             50% after deductible                      30% after deductible                                 N/A

        Prescription Drug Benefit**
                   Standalone Rx Deductible
                                                                $50/$150                                     N/A                                   $100/$300                                     N/A                                    $150/$450                                     N/A
                         (Individual / Family)
                   30 Day Retail Supply
                                      Generic                      $15                                                                                 $15                                                                                 $15
                                        Brand                      30%                                                                                 30%                                                                                 30%
                               Non-Preferred                       45%                        Benefits are not provided for                            45%                        Benefits are not provided for                            45%                         Benefits are not provided for
                                                                                             prescription filled at pharmacy                                                     prescription filled at pharmacy                                                     prescription filled at a pharmacy
            90 Day Mail Order Supply                                                           that is not in-network with                                                         that is not in-network with                                                          that is not in-network with
                                      Generic                      $30                              Aetna Pharmacy                                     $30                              Aetna Pharmacy                                     $30                               Aetna Pharmacy

                                        Brand                      30%                                                                                 30%                                                                                 30%
                               Non-Preferred                       45%                                                                                 45%                                                                                 45%

                                                  *50% after deductible if non-emergency
                                                  **Plans may require quantity/age/gender limitations, prior authorization, step therapy and/or other rules and limitations before covering prescription drugs. If a brand name drug is dispensed when a generic is available, you will pay the
                                                  difference in the cost of the drug plus the brand coinsurance, even after the annual out-of-pocket maximum is met.
Step 2) Review Your Plan Options and Costs

                                                    PPO                                            VISION
          DENTAL                            (DELTA DENTAL PREMIER)                          CONTRIBUTIONS                                                      WEEKLY (HOURLY)                                          SEMI-MONTHLY (SALARY)
                                                                                                               Employee Only                                               $0.96                                                           $2.09
                                                                                                    Employee & Spouse                                                      $1.94                                                           $4.21
            Employee Only            $7.65                       $16.59
       Employee & Spouse            $14.54                       $31.51                         Employee & Child(ren)                                                      $1.94                                                           $4.21
     Employee & Child(ren)          $16.71                       $36.22                                                         Family                                     $3.24                                                           $7.02
                    Family          $25.30                       $54.83          EYEMED VISION CARE
                                                    HMO                            EYEMED VISION                                                                                MEMBER COST IN-NETWORK
          DENTAL                               (DELTACARE USA)                                                                    Exam                                                               $10 co-pay
   CONTRIBUTIONS               WEEKLY (HOURLY)         SEMI-MONTHLY (SALARY)                                                  Frames                               $0 co-pay; $130 allowance, 20% off balance
            Employee Only            $4.80                       $10.41                                    Standard Lenses                                                                           $25 co-pay
                                                                                                          Progressive Lens                                                                           $90 co-pay
       Employee & Spouse             $9.25                       $20.04
                                                                                  Conventional Contact Lenses                                                      $0 co-pay; $130 allowance, 15% off balance
     Employee & Child(ren)           $9.80                       $21.23
                                                                                      Disposable Contact Lenses                                                        $0 co-pay; $130 allowance, plus balance
                    Family          $14.53                       $31.48
                                                                                                                                                           40% discount off complete pair eyeglass purchases.
                                                                                             Additional Pairs Benefit
                                                                                                                                                                      15% discount off contacts.
DENTAL COVERAGE                                                                                                                                                               40% off hearing exams.
                                                                                                             Hearing Benefit                                           Discounted, set pricing on hearing aids.
BENEFITS                          PPO PLAN                  HMO PLAN                                                                                                         Free batteries for 2 years.
 Diagnostic & Preventative           100%                        100%
                                                                                MyLibertyAssist: Employee Assistance Program (EAP)
    Oral Exam & Cleanings                Twice per calendar year                Provided by Bensinger, DuPont & Associates. Available to employees and their immediate family members.
                                          Once per calendar year
             Bitewing Xray
                                       (twice per year, up to age 19)
                                                                                               SERVICES                                                FINANCIAL                                                        LEGAL                                                  FAMILY
                                                                                 5 face-to-face sessions                         1,2
                                                                                                                                         Toll-free information line:
                                                                                                                                                                   Assistance from Attorneys:                                                                   Assistance from Work
       Fluoride Treatments    Once per calendar year, children to age 14 only
                                                                                 Telephonic assistance                                   - Credit                  - One free 30-minute tele-                                                                  Life Specialists:
    Basic Restorative Care           100%                   co-pays only                                                                 - Debt                       phonic or face-to-face                                                                    - One free telephonic
                                                                                 - Available 24/7
                                                                                                                                         - Request educational       session                                                                                      session
 Major Reconstructive Care 60% after deductible             co-pays only         - Marital/Family                                           material               - Up to 25% employee                                                                        - Online access to
                                                                                 - Personal
                                                                                                                                         Financial advice sessions discount
Orthodontia Care-Child Only 60% after deductible            co-pays only                                                                                                       on additional                                                                       information and
                                                                                 - Alcohol/Drug abuse                                                                 services                                                                                     provider locators
     Deductible Per Patient           $50                         $0             - Stress/Anger                                          - One free telephonic
                                                                                 - Death and dying                                          session and financial  Assistance with:                                                                             Assistance with:
     Deductible Per Family           $150                         $0                                                                        worksheet review       - Document preparation                                                                       - Child care
                                                                                 Also available:                                                                   - Divorce/separation
   Annual Max Per Patient           $1,500              no annual maximum                                                                                                                                                                                       - Elder care
                                                                                 - Online access to                                                               - Real estate                                                                                - Adoption
                                                                                    information                                                                    - Civil matters                                                                              - Education
                                                                                   In California, sessions are limited to three (3) in a six-month period, not to exceed a total of five (5) sessions per year.
                                                                                   Individual face-to-face sessions are available for covered individuals 16 years and older. Family/group face-to-face sessions are available for covered individuals 12 years and older, and their parents. Services are not
                                                                                available to children under the age of 12.
                                                                                Employee Assistance Program
                                                                                MyLibertyAssist®                                                                                                                                                                                                                 7
FLEXIBLE SPENDING ACCOUNT                                                                              LIFE INSURANCE PROTECTION                                                                     Company Paid
                                                                                                                             Definition Of “Pay” Base pay (as defined in your Summary Plan Description) plus commissions
TRADITIONAL HEALTH CARE SPENDING ACCOUNT                                                                                                         (if applicable).
                                                                                                              Basic Life And AD&D—Cost Company paid
            Who Can Elect All employees enrolled into one of our group health plans.
                                                                                                                            Benefit Level Salary: 2x pay for Basic Life and 2x pay for AD&D
          Eligible Expenses Out-of-pocket health care expenses not covered by your medical,                      (maximum benefit applies) Hourly: 1x pay for Basic Life and 1x pay for AD&D
                            dental or vision plan, including deductibles and co-pays. You can                                              Business travel: 2x pay
                            also use the PayFlex debit card for heathcare expenses at point of
                            purchase.                                                                                              Age Reduction 50% at age 70 for employee coverage

  Amount You Can Deposit $130 to $2,600 a year                                                         SUPPLEMENTAL LIFE
                                                                                                       YOU CAN PURCHASE ADDITIONAL LIFE INSURANCE COVERAGE FOR YOURSELF AND ELIGIBLE SPOUSE AND
CHILDCARE/ELDERCARE SPENDING ACCOUNT                                                                   CHILDREN.

        Who Can Elect Any employee, regardless of medical plan election.                                                                             Cost Employee paid (voluntary election)

      Eligible Expenses Out-of-pocket expenses for care of children under age 13 or disabled                  Benefit Level—Employee Life 1x to 5x pay to $1 million maximum
                        dependents when required so that you (and your spouse, if married) can                  Benefit Level— Spouse Life $10,000 to $100,000 in $10,000 increments (coverage cannot exceed 100%
                        work or attend school full-time.                                                                                   of employee’s total coverage); election independent of employee. If your
                                                                                                                                           spouse also works for a TopBuild company you cannot elect this coverage
       Amount You Can $130 to $5,000 a year if you are single or married filing a joint tax return
                                                                                                                                           (but they can enroll in their own supplemental life).
              Deposit ($2,500 if married filing separately)
                                                                                                                     Benefit Level—Child Life $10,000 coverage from date of birth; election independent of employee
                                                                                                                       Evidence Of Insurability At your initial election opportunity only, you can elect up to the lesser of 3x
                                                                                                                                                pay, or $500,000 for employee coverage and $50,000 for spouse coverage
                                                                                                                                                without evidence of insurability (EOI). If you elect coverage after your initial
                                                                                                                                                opportunity, or are increasing a current election, you/your spouse may
                                                                                                                                                have to complete an EOI application and coverage will not be effective
                                                                                                                                                until approved by Liberty Mutual.

AUTO & HOME OWNERS INSURANCE                                                                           DISABILITY PROTECTION
This is a service available from Travelers, Liberty Mutual Insurance, and MetLife Auto & Home. It      ALL DISABILITY COVERAGE FOR NEW HIRES WILL DEFAULT TO ELECTED STATUS. SHOULD YOU
allows you to compare the special discounts and savings available to employees. Plus, you can          CHOOSE TO WAIVE YOUR COVERAGE YOU WILL NEED TO DO SO ON EMPLOYEE SELF SERVICE.
choose from several convenient payment options, including automatic payroll deduction or through
an escrow account for home insurance.                                                                                                  How It Works Replaces a portion of your income if you become disabled due to an
                                                                                                                                                    accident, injury, or illness.
You may take advantage of this service at any time. There’s no obligation or designated enrollment                                                   Cost STD: Employee paid (voluntary election)
period. Licensed insurance representatives from each carrier can help you find the insurance that’s                                                       LTD: Salary and Administrative Hourly: Company paid
right for you!                                                                                                                                            Hourly field and piece rate: Employee paid (voluntary election).
                                                                                                                                                          Any voluntary deductions will not change during the year if your rate of
                                                                                                                                                          pay changes.
                                                                                                                  Short-Term Disability (STD) 60% of pay up to $2,000/week after 7-day illness/injury waiting period up to
                                                                                                                                              26 weeks.

    1 (888) 695-4640                      1 (800) 524-9400                1 (800) GET-MET8                          Long-Term Disability (LTD) After STD, benefit paid to maximum age limit if you are totally disabled.
                                                                                                                                        Benefit Level 60% of pay to monthly maximum of $12,000
                                                                                                                                Elimination Period 180 days
                                                                                                      Note: The disability coverage may contain certain eligibility requirements, exclusions, limitations and waiting periods (including pre-existing condition waiting
                                                                                                            periods) and may be replaced or offset by state disability benefits. Evidence of insurability may also apply.
Step 3) Review Your Additional Benefits

These benefits are being offered to help employees make decisions about costs and treatment options. Employees must be covered by a company sponsored
medical plan to use Teladoc. All benefit eligible employees can enroll in the voluntary products.

Our Health Promise
We recognize that there is a direct correlation between healthy lifestyles and
                                                                                       Allstate Benefits Group Voluntary Critical Illness
medical costs and we want to reward you for taking care of yourself. By taking
the steps to receive a health risk assessment and biometric screening, not only        Along with the advancements in medical technology that can increase life span
will Aetna use this information to provide additional wellness support and coaching    and chances of surviving critical illnesses, comes an increasing appreciation of
so that you can lead a happy and healthy life, but TopBuild will reward you with a     the personal economic strain people face with the diagnosis and lifestyle changes
wellness incentive credit.                                                             associated with a critical illness. Group Voluntary Critical Illness Insurance from
                                                                                       Allstate Benefits pays benefits that can be used for non-medical, critical illness-
If it is unreasonably difficult due to a medical condition for you to achieve the      related expenses that health insurance might not cover. The Group Voluntary Critical
standard for the reward under this program, or if it is medically inadvisable for      Illness benefit is in the form of a lump sum payment, which is paid to the employee
you to attempt to achieve the standard for the reward under this program, call         at diagnosis.
the Benefits Department at 877-627-0334 (option 2) and we will work with you
to develop another way to qualify for the reward.                                         • Category 1 Benefits include; Heart Attack, Heart Transplant, Stroke and
                                                                                            Coronary Artery By-Pass Surgery.
                                                                                          • Category 2 Benefits include; Major Organ Transplant, End Stage Renal Failure,
                           – COMPANY PAID BENEFIT                                           Paralysis and Alzheimer’s Disease.
                                                                                          • Individual, spouse and child(ren) coverage.
What is Teladoc?                                                                          • Coverage is portable.
Teladoc is a benefit that gives you and your covered dependents 24/7/365 access           • Coverage does not replace any other group medical benefits. Instead,
to U.S. board-certified doctors who can resolve many of your medical issues via             it is designed to supplement an employee’s present coverage.
phone or online video.                                                                    • $100 Wellness Benefit included.
The consultation is paid for by your employer at no cost to you. This can help            • Recurrence Benefit pays 25% of a previously paid benefit in category
you avoid the out-of-pocket cost of an office or urgent care visit.                         1 or 2.

When can you use Teladoc?                                                              Allstate Benefits Group Voluntary Accident
Examples: If you’re considering the ER or urgent care center for a                     Accidents happen. Having a plan in place that pays cash benefits for out-of-pocket
non-emergency issue, on vacation, on a business trip or away from home.                expenses associated with an on or off-the-job accidental injury can help protect
                                                                                       your hard-earned savings. Because accident insurance is supplemental, it pays in
What can I use it for?                                                                 addition to other coverage the insured may already have in place. This coverage
Examples: Cold and flu symptoms, respiratory/sinus infection, allergies,               pays a benefit up to a specified amount for:
ear infection, pink eye, allergies, urgent care needs and most prescription refills.      • Accidental death and dismemberment
                                                                                          • Dislocation/Fracture
NEW                                                                                       • Initial hospitalization confinement ongoing hospitalization confinement
With Teladocs new Caregiver Services employee’s can now add family members                • Intensive care
not covered by their health insurance plan. The cost for a visit is always $45.           • Ambulance service
www.teladoc.com | 1-800-Teladoc                                                           • Medical expenses
                                                                                          • Outpatient physician’s treatment
                                                                                          • Burns, Paralysis, Surgeries, and more                                             9
Step 3) Review Your Additional Benefits (Continued)

                                                                                             ALLSTATE BENEFITS VOLUNTARY PRODUCTS CONTRIBUTIONS
Allstate Benefits Group Voluntary Cancer
                                                                                                                   GROUP VOLUNTARY CRITICAL ILLNESS
A cancer diagnosis can be difficult on your                                                                    MONTHLY PREMIUMS ($20,000 BENEFIT AMOUNT)
family’s financial and emotional stability. Having
                                                                          Issue                                                               Issue
the right coverage to help when you are sick                                                Insured           Non Tobacco Tobacco                                  Insured              Non Tobacco Tobacco
                                                                           Age                                                                 Age
and undergoing treatment or when you cannot
work is important. Includes coverage for 29                               18-35         Employee Only              $5.08         $7.28        60-64            Employee Only                $33.88        $56.88
other specified diseases. The Group Voluntary                             18-35      Employee & Spouse             $7.80         $11.40       60-64         Employee & Spouse               $50.80        $84.80
Cancer and Specified Disease insurance can                                18-35     Employee & Child(ren)          $5.28         $7.48        60-64        Employee & Child(ren)            $34.08        $57.08
help provide security when you need it most.
This coverage pays a benefit up to a specified                            18-35             Family                 $8.20         $11.80       60-64                Family                   $51.00        $84.80
amount for:                                                               36-49         Employee Only             $10.68         $18.28       65-69            Employee Only                $43.48        $66.08
  •   C
       ancer initial diagnosis                                           36-49      Employee & Spouse            $16.40         $27.60       65-69         Employee & Spouse               $65.00        $98.40
  •   Surgery and related benefits                                        36-49     Employee & Child(ren)         $10.88         $18.28       65-69        Employee & Child(ren)            $43.68        $66.48
  •   Radiation/Chemotherapy                                              36-49             Family                $16.60         $27.60       65-69                Family                   $65.40        $98.60
  •   Continuous hospital confinement                                     50-59         Employee Only             $21.48         $39.88        70+             Employee Only                $52.48        $74.68
  •   Non-Local Transportation and Lodging
                                                                          50-59      Employee & Spouse            $32.20         $59.60        70+          Employee & Spouse               $77.80        $111.00
  •   At Home Nursing
  •   Second surgical opinion                                             50-59     Employee & Child(ren)         $21.68         $40.28        70+         Employee & Child(ren)            $52.68        $74.88
  •   New or Experimental Treatment                                       50-59             Family                $32.60         $59.80        70+                 Family                   $78.20        $111.40
  •   Comfort/Anti-nausea benefit
                                                                                                              GROUP VOLUNTARY ACCIDENT                                  GROUP VOLUNTARY CANCER
                                                                                                                 (MONTHLY PREMIUMS)                                       (MONTHLY PREMIUMS)
                                                                                                                     Employee Only           $14.52                          Employee Only            $17.59
                                                                                                                Employee & Spouse            $26.88                                     Family        $29.49
                                                                                                             Employee & Child(ren)           $24.60
                                                                                                                               Family        $36.96

 Want more information about the Allstate Benefits products available? Visit http://allstatevoluntary.com/topbuild/ for informational
 brochures on the Group Voluntary Critical Illness, Accident, and Cancer plans!
 This information is incomplete without brochures ABJ17350X, ABJ20177X, ABJ17346X which contain full details of the benefits,
 limitations and exclusions of the coverage. Go to http://allstatevoluntary.com/topbuild/.
 This is a brief overview of the benefits available under the Group Voluntary Policies underwritten by American Heritage Life Insurance Company. Details of the insurance, including exclusions, restrictions and
 other provisions are included in the certificates issued.

Step 3) Review Your Additional Benefits (Continued)

 Provided by ARAG                                                               Provided by PayCheck Works

Legal Insurance helps you address everyday situations like dealing with         Interest-Free Shopping for Employees!
traffic tickets, resolving warranty issues, or buying a home. When you need     You have access to a smart shopping program that is easy and affordable.
help, rather than wasting time and money on costly attorney fees, ARAG          You buy what you want and need today then make low interest-free pay-
offers top-performing legal services and most covered legal matters are         ments, through the ease of payroll deduction, over 6 months.
100% paid in full when you work with a network attorney.
                                                                                By shopping Paycheck Works, you have thousands of name-brand selec-
• In Office access to a nationwide network of more than 10,000 attorneys        tions from such top names as Sony, Apple, and KitchenAid in categories
• Call and access a network attorney by phone for unlimited advice              from patio furniture and pools to TVs and computers and so much more!
• Help preparing documents, letters, or a will                                  You can purchase a big ticket item like a riding lawn mower or you can buy
                                                                                several smaller items like counter top appliances up to your purchase limit.
For services such as...                                                         Your purchase limit is based on your salary, which helps you stay on bud-
Consumer issues		               Criminal Matters                                get. Payments made through worry-free payroll deduction, you won’t need
Estate Planning		               Taxes                                           to worry about missing one.
Debt Resolution		               Disputes with Landord
Civil Defense			                Child Support & Custody                         with PayCheck Works employees get:
Family Matters			               Immigration Services                            • Interest-free financing
Real Estate			                  Financial Counseling                            • Payments made through payroll deduction
Criminal Matters		              and much more                                   • No credit checks
                                                                                • No down payments
Identity Theft Protection is also included. This service can track your         • Thousands of name-brand products
credit activity or online identity and you’re notified immediately of
suspicious activity.                                                            You are eligible to participate when you:
                                                                                • Are 18 years or older
Additionally, should you be a victim of identity theft, the ARAG service will   • Earn at least $18,000 per year
assist you in achieving recovery and resolution.                                • Have been an active employee of TopBuild for at least 6 months

The following payroll deduction amount, provides legal insurance and
identity theft protection for you & your family.

                    Weekly       Semi-Monthly
 Employee Only       $4.28            $9.27
 Family              $5.65            $12.24

Step 4) Make Your Elections

                          To enroll in 2018 coverage, you will need to make your                     Current employees: If you do not enroll, your current
                          elections using the call center or enrollment website (as                  coverage will roll over except FSA; to have an FSA
                          shown on page 2). The benefits you choose will remain in                   account in 2018 you must make an election.
                          effect through 12/31/18.
ENROLLING FOR                                                                                        You have 30 days from your coverage effective date to
This is also a good
                          Before you make your coverage elections, check that                        enroll. All disability coverage will default to elected status.
time to review your       any dependents you enroll meet the eligibility rules (see                  Should you choose to waive your cov­erage you will need
beneficiaries, e-mail     Who’s Eligible), and review and submit any required doc-                   to do so on Employee Self Service.
and home address,         uments by the deadline.
and 401(k) elections.                                                                                If you do not enroll within 30 days, you will not have
                                                                                                     coverage for any plans requiring an employee contribution,
                                                                                                     except disability.

                          You may make certain changes during the year to the                        Legal marital status
CHANGING YOUR             benefits you choose only if you have a qualified status
ELECTIONS                                                                                            Number of children
                          change in one of the events listed to the right.
Contact the Benefits                                                                                 Eligibility of a spouse or child
Department for instruc-   You must make all benefit changes within 60 days of
tions on how to make a                                                                               Employment status or work schedule
benefit change.           any qualifying event. If any of these changes occur,
                          contact the Benefits Department for instructions on how                    Residence or worksite
                          to make a benefit change.
                                                                                                     Medicare or Medicaid entitlement

  Step 5) Review Your Benefit Elections
                          After enrollment ends, you should review your benefit confirmation of your 2018 elections. If any of your elections are incorrect,
                          you must call the Benefits Department at 1-877-627-0334 (option 2) by the deadline. Otherwise, unless you have a
                          qualified status change, you cannot change your elections until the next open enrollment.

TopBuild Corp. 401(k) Plan
                    The 401(k) Plan is a convenient way to save for your retirement using pre-tax dollars. Your contributions are automatically
                    deducted from your paycheck before income taxes are taken out. Plan highlights:
                    • Your employer will match 25% of the first 10% of eligible         • Set up your investment elections and select/update your
                      earnings that you contribute to the plan, per pay period.            401(k) Plan beneficiary at www.401k.com.
                      These matching contributions are vested after 1 year.
                                                                                         • Take advantage of the numerous educational
                    • New hires are automatically enrolled in the plan at a 3% con-       resources Fidelity offers by logging into your account
                      tribution rate. You may choose to opt out of this enrollment         at www.401k.com.
                      or elect a different percentage.

                    Provider Networks: Medical, Dental                                   Complete Benefit Details
                    and Vision Plans                                                     A complete description of your benefits is contained in
                                                                                         each plan’s Summary Plan Description (SPD). This guide is
                    Provider networks change as new hospitals, physicians,               intended only to provide an overview of your benefits. Refer
                    dentists and vision care specialists join or leave networks.         to the SPD for more detailed information on coverage and
OTHER INFORMATION   You should contact your current health care provider to verify       exclusions.
                    that he or she participates in your chosen plan. You may also
                    contact your health plan’s customer service or visit the plan’s      In addition, the Patient Protection and Affordable Care Act
                    website for a current listing of providers.                          requires that you have access to a Summary of Benefits and
                                                                                         Coverage (SBC) for each medical plan. The SBC is separate
                    Aetna (Medical)
                                                                                         from this guide and a copy will be provided for your reference.
                    Plan Name: Aetna Choice POS II (Open Access)
                    Plan Name Best Value Only: Aetna Premier Care Network
                    Pharmacy Plan Name: Aetna RX Preferred                               Should there be any conflict between the explanations in
                                                                                         this guide or the SBC and the actual terms and provisions
                    Delta Dental (Dental)                                                of the plan documents and contracts, the terms of the plan
                    Plan Name PPO: Delta Premier                                         documents and contracts will govern in all cases. You will not
                    Plan Name HMO: Delta Care USA                                        gain any new rights or benefits because of a misstatement
                                                                                         or omission in this guide or the SBC. The Company reserves
                    EyeMed (Vision)                                                      the right to change or terminate any or all of these benefits
                    Plan Name: Insight                                                   at any time.

                    This notice is provided in accordance with the Health
                    Insurance Portability and Accountability Act of 1996 (HIPAA).
                    Certain plans contain special enrollment provisions applica-
                    ble to new enrollees. Please contact the Benefits Department
                    for additional details regarding these provisions. A Notice of
                    Privacy Practices (NOPP) that applies to the Company’s health
                    plans is available. The NOPP describes how all the plans will
                    use and disclose your individual health information. It also tells
                    you that your individual health information will be kept private
                    and secure. For a current copy of the NOPP, contact the
                    Benefits Department.                                                                                                                   13
Required Legal Notices
Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)
If you or your children are eligible for Medicaid or   If you live in one of the following states, you may be             Indiana – Medicaid
CHIP and you’re eligible for health coverage from      eligible for assistance paying your employer health
                                                                                                                          Healthy Indiana Plan for low-income adults 19-64
your employer, your state may have a premium           plan premiums. The following list of states is current
                                                                                                                          Website: http://www.in.gov/fssa/hip/
assistance program that can help pay for cov-          as of August 10, 2017. Contact your State for more                 Phone: 1-877-438-4479
erage, using funds from their Medicaid or CHIP         information on eligibility.                                        All other Medicaid
programs. If you or your children aren’t eligible                                                                         Website: http://www.indianamedicaid.com
for Medicaid or CHIP, you won’t be eligible for        Alabama - Medicaid                                                 Phone 1-800-403-0864
these premium assistance programs but you              Website: http://myalhipp.com/
may be able to buy individual insurance coverage                                                                          Iowa - Medicaid
                                                       Phone: 1-855-692-5447
through the Health Insurance Marketplace.                                                                                 Website: http://dhs.iowa.gov/ime/members/medicaid-a-to-z/hipp
                                                       Alaska - Medicaid
For more information, visit www.healthcare.gov.                                                                           Phone: 1-888-346-9562
                                                       The AK Health Insurance Premium Payment Program                    Kansas - Medicaid
If you or your dependents are already enrolled in      Website: http://myakhipp.com/
                                                       Phone: 1-866-251-4861                                              Website: http://www.kdheks.gov/hcf/
Medicaid or CHIP and you live in a State listed
                                                       Email: CustomerService@MyAKHIPP.com                                Phone: 1-785-296-3512
below, contact your State Medicaid or CHIP of-
fice to find out if premium assistance is available.   Medicaid Eligibility: http://dhss.alaska.gov/dpa/Pages/medicaid/   Kentucky - Medicaid
                                                       default.aspx                                                       Website: http://chfs.ky.gov/dms/default.htm
If you or your dependents are NOT currently            Arkansas – Medicaid                                                Phone: 1-800-635-2570
enrolled in Medicaid or CHIP, and you think you        Website: http://myarhipp.com/                                      Louisiana - Medicaid
or any of your dependents might be eligible for        Phone: 1-855-MyARHIPP (855-692-7447)                               Website: http://dhh.louisiana.gov/index.cfm/subhome/1/n/331
either of these programs, contact your State
                                                       Colorado - Health First Colorado                                   Phone: 1-888-695-2447
Medicaid or CHIP office or dial 1-877-KIDS NOW or
                                                       (Colorado’s Medicaid Program) & Child Health Plan                  Maine - Medicaid
www.insurekidsnow.gov to find out how to apply.        Plus (CHP+)
If you qualify, ask your state if it has a program                                                                        Website:
that might help you pay the premiums for an            Health First Colorado Website:                                     http://www.maine.gov/dhhs/ofi/public-assistance/index.html
employer-sponsored plan.                               https://www.healthfirstcolorado.com/                               Phone: 1-800-442-6003
                                                       Health First Colorado Member Contact Center:                       TTY: Maine relay 711
If you or your dependents are eligible for premium     1-800-221-3943/ State Relay 711
                                                       CHP+: Colorado.gov/HCPF/Child-Health-Plan-Plus                     Massachusetts - Medicaid & CHIP
assistance under Medicaid or CHIP, as well as
                                                       CHP+ Customer Service: 1-800-359-1991/                             Website:
eligible under your employer plan, your employer
                                                       State Relay 711                                                    http://www.mass.gov/eohhs/gov/departments/masshealth/
must allow you to enroll in your employer plan
                                                       Florida - Medicaid                                                 Phone: 1-800-862-4840
if you aren’t already enrolled. This is called a
“special enrollment” opportunity, and you must         Website: http://flmedicaidtplrecovery.com/hipp/                    Minnesota - Medicaid
request coverage within 60 days of being deter-        Phone: 1-877-357-3268                                              Website: http://mn.gov/dhs/people-we-serve/seniors/health-care/
mined eligible for premium assistance. If you          Georgia - Medicaid                                                 health-care-programs/programs-and-services/medical-assistance.
have questions about enrolling in your employer                                                                           jsp
plan, contact the Department of Labor at www.          Website: http://dch.georgia.gov/medicaid                           Phone: 1-800-657-3739
askebsa.dol.gov or call 1-866-444-EBSA (3272).         - Click on Health Insurance Premium Payment (HIPP)
                                                       Phone: 404-656-4507                                                Missouri - Medicaid
                                                                                                                          Website: http://www.dss.mo.gov/mhd/participants/pages/hipp.htm
                                                                                                                          Phone: 573-751-2005                                               14
Montana - Medicaid                                              Pennsylvania - Medicaid                                         Wisconsin - Medicaid & CHIP
Website: http://dphhs.mt.gov/MontanaHealthcarePrograms/HIPP     Website: http://www.dhs.pa.gov/provider/medicalassistance/      Website:
Phone: 1-800-694-3084                                           healthinsurancepremiumpaymenthippprogram/index.htm              https://www.dhs.wisconsin.gov/publications/p1/p10095.pdf
Nebraska - Medicaid                                             Phone: 1-800-692-7462                                           Phone: 1-800-362-3002
Website: http://www.ACCESSNebraska.ne.gov                       Rhode Island - Medicaid                                         Wyoming - Medicaid
Phone: (855) 632-7633                                           Website: http://www.eohhs.ri.gov/                               Website: https://wyequalitycare.acs-inc.com/
Lincoln: (402) 473-7000                                         Phone: 855-697-4347                                             Phone: 307-777-7531
Omaha: (402) 595-1178                                           South Carolina - Medicaid
Nevada - Medicaid                                               Website: https://www.scdhhs.gov                                To see if any other states have added a premium
Medicaid Website: https://dwss.nv.gov/                          Phone: 1-888-549-0820                                          assistance program since August 10, 2017, or
Medicaid Phone: 1-800-992-0900                                  South Dakota - Medicaid                                        for more information on special enrollment rights,
New Hampshire - Medicaid                                                                                                       contact either:
                                                                Website: http://dss.sd.gov
Website: http://www.dhhs.nh.gov/oii/documents/hippapp.pdf       Phone: 1-888-828-0059                                          U.S. Department of Labor Employee Benefits
Phone: 603-271-5218                                             Texas - Medicaid                                               Security Administration
New Jersey - Medicaid & CHIP                                                                                                   www.dol.gov/agencies/ebsa
                                                                Website: http://gethipptexas.com/
                                                                                                                               1-866-444-EBSA (3272)
Medicaid Website:                                               Phone: 1-800-440-0493
http://www.state.nj.us/humanservices/                           Utah - Medicaid & CHIP                                         U.S. Department of Health and Human Services
dmahs/clients/medicaid/                                                                                                        Centers for Medicare & Medicaid Services
Medicaid Phone: 609-631-2392                                    Medicaid Website: https://medicaid.utah.gov/
                                                                CHIP Website: http://health.utah.gov/chip                      www.cms.hhs.gov
CHIP Website: http://www.njfamilycare.org/index.html                                                                           1-877-267-2323, Menu Option 4, Ext. 61565
CHIP Phone: 1-800-701-0710                                      Phone: 1-877-543-7669
                                                                Vermont - Medicaid
New York - Medicaid                                                                                                            Paperwork Reduction Act Statement
                                                                Website: http://www.greenmountaincare.org/                     According to the Paperwork Reduction Act of 1995 (Pub. L.
Website: https://www.health.ny.gov/health_care/medicaid/                                                                       104-13) (PRA), no persons are required to respond to a collection
Phone: 1-800-541-2831                                           Phone: 1-800-250-8427                                          of information unless such collection displays a valid Office of
                                                                                                                               Management and Budget (OMB) control number. The Department
                                                                Virginia - Medicaid & CHIP
North Carolina - Medicaid                                                                                                      notes that a Federal agency cannot conduct or sponsor a collection
                                                                Medicaid Website:                                              of information unless it is approved by OMB under the PRA, and
Website: https://dma.ncdhhs.gov/                                                                                               displays a currently valid OMB control number, and the public is not
Phone: 919-855-4100                                             http://www.coverva.org/programs_premium_assistance.cfm         required to respond to a collection of information unless it displays
                                                                Medicaid Phone: 1-800-432-5924                                 a currently valid OMB control number. See 44 U.S.C. 3507. Also,
North Dakota - Medicaid                                         CHIP Website:
                                                                                                                               notwithstanding any other provisions of law, no person shall be sub-
                                                                                                                               ject to penalty for failing to comply with a collection of information if
Website: http://www.nd.gov/dhs/services/medicalserv/medicaid/   http://www.coverva.org/programs_premium_assistance.cfm         the collection of information does not display a currently valid OMB
                                                                                                                               control number. See 44 U.S.C. 3512.
Phone: 1-844-854-4825                                           CHIP Phone: 1-855-242-8282
                                                                                                                               The public reporting burden for this collection of information is
Oklahoma - Medicaid & CHIP                                      Washington - Medicaid                                          estimated to average approximately seven minutes per respondent.
                                                                                                                               Interested parties are encouraged to send comments regarding the
Website: http://www.insureoklahoma.org                          Website: http://www.hca.wa.gov/free-or-low-cost-health-care/   burden estimate or any other aspect of this collection of informa-
Phone: 1-888-365-3742                                           program-administration/premium-payment-program                 tion, including suggestions for reducing this burden, to the U.S.
                                                                                                                               Department of Labor, Employee Benefits Security Administration,
Oregon - Medicaid & CHIP                                        Phone: 1-800-562-3022 ext. 15473                               Office of Policy and Research, Attention: PRA Clearance Officer, 200
                                                                West Virginia - Medicaid                                       Constitution Avenue, N.W., Room N-5718, Washington, DC 20210
Website: http://healthcare.oregon.gov/Pages/index.aspx                                                                         or email ebsa.opr@dol.gov and reference the OMB Control Number
http://www.oregonhealthcare.gov/index-es.html                   Website: http://www.dhhr.wv.gov/bms/Medicaid%20Expansion/      1210-0137.
Phone: 1-800-699-9075                                           Pages/default.aspx                                             OMB Control Number 1210-0137 (expires 12/31/2019)

                                                                Phone: 1-877-598-5820, HMS Third Party Liability
Required Legal Notices
Important Notice About Your Prescription Drug Coverage and Medicare
Please read this notice carefully and keep it where you     What Happens To Your Current Coverage If You                   For more information about this notice or your
can find it. This notice has information about your         Decide to Join A Medicare Drug Plan?                           current Prescription Drug Coverage…
current prescription drug coverage and about your
                                                            If you decide to join a Medicare Drug Plan, your               Contact the person listed below for further information.
options under Medicare’s prescription drug coverage.
                                                            coverage will not be affected. See below for more              NOTE: You’ll get this notice each year. You will also
This information can help you decide whether
                                                            information about what happens to your current                 get it before the next period you can join a Medicare
or not you want to join a Medicare Drug Plan. If you
                                                            coverage if you join a Medicare Drug Plan.                     Drug Plan, and if this coverage changes. You also may
are considering joining, you should compare your
                                                                                                                           request a copy of this notice at any time.
current coverage, including which drugs are covered         Your current coverage pays for other health expens-
at what cost, with the coverage and costs of the plans      es in addition to prescription drugs. If you enroll in a       For more information about your options under
offering Medicare prescription drug coverage in your        Medicare Drug Plan, you and your eligible dependents           Medicare Prescription Drug Coverage…
area. Information about where you can get help to           will still be eligible to receive all of your current health
make decisions about your prescription drug coverage                                                                       More detailed information about Medicare plans that
                                                            and prescription drug benefits; however, this plan will
is at the end of this notice.                                                                                              offer prescription drug coverage is in the “Medicare &
                                                            coordinate with Part D coverage.
                                                                                                                           You” handbook. You’ll get a copy of the handbook in
There are two important things you need to know             See pages 7-9 of the CMS Disclosure of Creditable              the mail every year from Medicare. You may also be
about your current coverage and Medicare’s                  Coverage to Medicare Part D Eligible Individuals               contacted directly by Medicare Drug Plans.
prescription drug coverage:                                 Guidance (available at http:// www.cms.hhs.gov/Cred-
                                                                                                                           For more information about Medicare Prescription
                                                            itable Coverage/), which outlines the prescription drug
1. M
    edicare prescription drug coverage became                                                                             Drug Coverage:
                                                            plan provisions that Medicare eligible individuals may
   available in 2006 to everyone with Medicare. You
                                                            have available to them when they become eligible for           • Visit www.medicare.gov
   can get this coverage if you join a Medicare
                                                            Medicare Part D.)
   Drug Plan or join a Medicare Advantage Plan (like                                                                       • C
                                                                                                                              all your State Health Insurance Assistance Program
   an HMO or PPO) that offers prescription drug             If you do decide to join a Medicare Drug Plan and drop           (see the inside back cover of your copy of the
   coverage. All Medicare drug plans provide at least       your current prescription drug coverage, be aware that           “Medicare & You” handbook for their telephone
   a standard level of coverage set by Medicare.            you and your dependents may not be able to get this              number) for personalized help,
   Some plans may also offer more coverage for a            coverage back.
   higher monthly premium.                                                                                                 • C
                                                                                                                              all 1-800-MEDICARE (1-800-633-4227). TTY users
                                                            When Will You Pay A Higher Premium (Penalty) To                  should call 1-877-486-2048.
2. Y
    our Company has determined that the prescription       Join A Medicare Drug Plan?
   drug coverage offered is, on average for all plan                                                                       If you have limited income and resources, extra help
   participants, expected to pay out as much as             You should also know that if you drop or lose your             paying for Medicare prescription drug coverage is
   standard Medicare prescription drug coverage pays        current coverage with your Company and don’t join              available. For information about this extra help, visit So-
   and is considered Creditable Coverage. Because           a Medicare drug plan within 63 continuous days after           cial Security on the web at www. socialsecurity.gov, or
   your existing coverage is Creditable Coverage, you       your current coverage ends, you may pay a higher               call them at 1-800-772-1213 (TTY 1-800- 325-0778).
   can keep this coverage and not pay a higher              premium (a penalty) to join a Medicare Drug Plan later.
                                                                                                                           Remember: Keep this Creditable Coverage notice. If
   premium (a penalty) if you later decide to join a        If you go 63 continuous days or longer without                 you decide to join one of the Medicare drug plans, you
   Medicare Drug Plan.                                      creditable prescription drug coverage, your monthly            may be required to provide a copy of this notice when
When Can You Join A Medicare Drug Plan?                     premium may go up by at least 1% of the Medicare               you join to show whether or not you have maintained
                                                            base beneficiary premium per month for every month             creditable coverage and, therefore, whether or not you
You can join a Medicare Drug Plan when you first            that you did not have that coverage. For example, if           are required to pay a higher premium (a penalty).
become eligible for Medicare and each year from             you go nineteen months without creditable coverage,
October 15th through December 7th. However, if you          your premium may consistently be at least 19% higher           Name of Entity/Sender: TopBuild Corp.
lose creditable prescription drug coverage, through         than the Medicare base beneficiary premium. You may            Contact--Position/Office: Benefits Department
no fault of your own, you will also be eligible for a two   have to pay this higher premium (a penalty) as long as
(2) month Special Enrollment Period (SEP) to join a                                                                        Address: 4
                                                                                                                                     75 N. Williamson Blvd., Daytona Beach, FL 32114
                                                            you have Medicare prescription drug coverage. In
Part D plan.                                                addition, you may have to wait until the following             Phone Number: 1-877-627-0334
                                                            November to join.
AETNA                                 LIBERTY MUTUAL DISABILITY
                      877-212-1329                          Disability Claim Intake number: 1-800-713-7384
                      www.aetna.com                         Disability Claim Support Team: 1-800-291-0112
                      FLEXIBLE SPENDING ACCOUNT
                      (managed by PayFlex)                  MY LIBERTY ASSIST (EAP)
                      877-212-1329 (option 3)               Bensinger Dupont & Associates
                      DELTA DENTAL                          www.bensingerdupont.com/MLA
                      800-521-2651 – PPO                    Enter Password: MLASSIST
                      800-422-4234 – HMO
                      www.deltadentalins.com                TELADOC
                                                            1-800-Teladoc (835-2362)
                      EYEMED VISION                         www.teladoc.com
                      www.eyemed.com                        ALLSTATE BENEFITS
                      LIBERTY MUTUAL LIFE                   www.allstatevoluntary.com/topbuild
                      Life Claim Team: 1-888-787-2129
                      www.mylibertyconnection.com           BENEFITS DEPARTMENT
                                                            1-877-627-0334 (option 2)
                      ARAG LEGAL                            E-mail: Benefits@topbuild.com
                      www.ARAGLegalCenter.com               FIDELITY INVESTMENTS–401(k) PLAN
                      Enter Access Code: 18099tb            1-800-835-5091
                      PAYCHECK WORKS

You can also read