2019 Benefits Guide Build on your legacy; let your Ancestry benefits help
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2019 Benefits Guide
Build on your legacy; let your Ancestry benefits help
All Locations
Welcome to Your Ancestry Benefits! At Ancestry, we understand that everyone has different needs, and we are pleased to offer a full range of benefits for 2019, including health, income protection, retirement savings, as well as a variety of complementary non-cash programs. Visit www.ancestrybenefits.com to learn more about your benefits. Choose the plans that best meet your needs and fits your budget. WHAT DO YOU NEED TO DO? You must take action, using Workday, within 30 days of your hire date if you wish to enroll in benefits. It is your responsibility to complete your benefits enrollment on time. We cannot make any exceptions if you miss the deadline or select the wrong plan, level of coverage, or fail to enroll the correct dependents. WHAT HAPPENS IF I DON’T TAKE ANY ACTION? You will not have access to benefits until January 1, 2020 unless you have a qualifying event, including but not limited to marriage, divorce, birth of child, etc.
Contents
Medical Insurance and Spending Accounts 2
Your Medical Insurance Options at a Glance 3
Spending and Saving Accounts 5
Supplemental Medical Insurance 7
Health Advocacy and the EAP 8
Dental Insurance 9
Vision Insurance 10
Life Insurance 11
Disability Insurance 11
401(k) Plan 12
Flexible Vacation 12
Paid Time Off 13
Holidays 13
Tuition Reimbursement 14
Employee Perks 14
Contact Information 15
1 Build on your legacy; let your Ancestry benefits help
Medical Insurance and
Spending Accounts
Medical coverage offers valuable benefits to help you stay healthy and pay for care if you or your covered family members
become sick or injured. In addition to choosing a medical plan, you also have the option to contribute to tax-advantaged
accounts that can help you save money.
Choosing a Medical Plan for 2019
The medical plans available to you include a range of coverage levels and costs, giving you the flexibility to select the plan that is
right for you. You’ll find a summary of each plan’s features on the next page. Visit www.ancestrybenefits.com for complete details
and plan costs.
Key Words to Know:
Copay: An amount you pay for a covered service each time you use that service. It does not apply toward the deductible.
Deductible: The amount you pay before the plan begins to pay.
Out-of-pocket costs: Expenses you pay yourself, such as deductibles, copays, and uncovered services.
Health Savings Account (HSA): An account funded by you and Ancestry that lets you use before tax money to pay for eligible
health care expenses.
Out-of-Pocket Maximum: The maximum amount you pay for covered services in a year.
Plan Coinsurance: Percentage of the charge that your plan will pay.
Prescriptions:
• Generic medications are similar to more costly alternatives, but are not sold using a brand name.
• Formulary medications are available at a lower cost to you.
• Non formulary medications may be purchased at a higher cost to you.
2 2019 Ancestry Employee Benefits – All Locations
Your Medical Insurance
Options at a Glance
United Healthcare – Choice Plus (PPO) Network
$500 $1,500 $2,500
Deductible Deductible with HSA Deductible with HSA
HSA Eligible No Yes Yes
HSA Funding by employer No Yes Yes
Preventive Doctor’s Visit Covered at 100% in-network*
In-Network
Individual/Family Deductible $500/$1,000 $1,500/$3,000 $2,500/$5,000
Individual/Family
$2,000/$4,000 $3,000/$6,000 $4,500/$6,850
Out-of-Pocket Max
Plan Coinsurance 80% 80% 70%
Office Visit $20 Primary care
20% after deductible 30% after deductible
(Primary Care-Specialist) Physician/$40 Specialist*
Retail Prescriptions
Generic (Tier 1) $10 copay* 20% after deductible 30% after deductible
Preferred Brand Name (Tier 2) $30 copay* 20% after deductible 30% after deductible
Non-Preferred Brand Name (Tier 3) $60 copay* 20% after deductible 30% after deductible
Mail Order Prescriptions
Generic (Tier 1) $25 copay* 20% after deductible 30% after deductible
Preferred Brand Name (Tier 2) $75 copay* 20% after deductible 30% after deductible
Non-Preferred Brand Name (Tier 3) $150 copay* 20% after deductible 30% after deductible
* Deductible does not apply.
$500 Deductible Employee Monthly Ancestry Monthly $1,500 Deductible Employee Monthly Ancestry Monthly
Plan Contribution Rate Contribution Rate Plan** Contribution Rate Contribution Rate
Employee $139 $657 Employee $67 $528
Employee + Sp/DP $311 $1,468 Employee + Sp/DP $129 $1,196
Employee + $297 $1,403 Employee + $124 $1,143
Child(ren) Child(ren)
Family $428 $2,019 Family $184 $1,638
Due to federal and state tax regulations, benefits provided to
$2,500 Deductible Employee Monthly Ancestry Monthly
domestic partners are generally taxable and therefore deducted
Plan*** Contribution Rate Contribution Rate
from your pay on an after-tax basis.
Employee $48 $453
Employee + Sp/DP $105 $1,010
Employee + $99 $967
Child(ren)
Family $144 $1,389
**Ancestry HSA contribution: $750 employee / $1,500 family ***Ancestry HSA contribution: $1,250 employee / $2,500 family
3 Build on your legacy; let your Ancestry benefits help
Your Medical Insurance
Options at a Glance
Kaiser (California Residents Only) – Northern CA Network
$500
Deductible
HSA Eligible No
HSA Funding by employer No
Preventive Doctor’s Visit Covered at 100% in-network
In-Network
Individual/Family Deductible $500/$1,000
Individual/Family
$3,000/$6,000
Out-of-Pocket Max
Plan Coinsurance 90%
Office Visit $20 Primary Care Physician
(Primary Care-Specialist) $20 Specialist
Retail Prescriptions
Generic (Tier 1) $10 copay
Preferred Brand Name (Tier 2) $30 copay
Mail Order Prescriptions
Generic (Tier 1) $20 copay
Preferred Brand Name (Tier 2) $60 copay
$500 Deductible Employee Monthly Ancestry Monthly
Plan Contribution Rate Contribution Rate
Employee $83 $403
Employee + Sp/DP $183 $898
Employee + $176 $858
Child(ren)
Family $253 $1,233
Due to federal and state tax regulations, benefits provided to
domestic partners are generally taxable and therefore deducted
from your pay on an after-tax basis.
4 2019 Ancestry Employee Benefits – All Locations
Spending and Saving Accounts
The $1,500 and $2,500 High Deductible Health Plans (HDHP) with HSA offer lower payroll deduction costs each month, plus the
chance to put away tax free money for medical expenses in an account that remains yours for life.
Health Savings Account (HSA)
• Available only to participants in the $1,500 and $2,500 deductible plans.
• Receive an annual contribution* from Ancestry
Ancestry HSA annual contribution is the following:
• $1,500 Deductible Plan - $750 individual/ $1,500 family
• $2,500 Deductible Plan - $1,250 individual/$2,500 family
Ancestry’s HSA contributions are deposited into your account every pay period. Ancestry’s HSA annual contribution amount is
pro-rated based on your hire date.
Contribute up to the annual IRS limit of $3,500 for individuals or $7,000 for family coverage (This amount includes your
employer’s contribution.); the total combined contribution to your HSA cannot exceed the IRS maximums. $1,000 additional
contribution allowed for employees age 55+.
• Change your contribution amount or stop contributing at any time.
• Works like a bank account that you manage to pay for your health care expenses.
• Use a debit card to pay for eligible expenses or reimburse yourself for payments you’ve made (only money you’ve already
contributed can be spent).
• Unused money can be carried over each year and invested for the future — you can even take it with you if you leave your job.
• Investment options available once you have $2,000 in your account.
• Option to contribute to a Limited Purpose Flexible Spending Account (FSA) for additional tax savings — only dental and
vision expenses are allowed until the plan deductible is met, then eligible medical expenses are allowed.
5 Build on your legacy; let your Ancestry benefits help
Spending and Saving Accounts
Our Flexible Spending Accounts (FSAs) allow you to set aside money on a pre-tax basis to pay for your out-of-pocket expenses
related to your health care, dependent day care, and traveling to and from work.
Health Care Flexible Spending Account (FSA)
• Contribute up to $2,700 annually to help cover qualified medical, vision, and dental expenses.
• Choose your contribution amount once a year (if your personal situation changes, such as getting married or having a baby,
you may be able to change your election during the year).
• Use a debit card to pay for your eligible expenses.
• Your entire annual contribution is available to you from the beginning of the plan year.
• Unused money does not carry over at the end of each year and will be forfeited.
Limited Purpose Flexible Spending Account (LPFSA)
The LPFSA is ONLY for those who also have a Health Savings Account (HDHP plan members). The LPFSA is only allowed to
reimburse you for out-of-pocket dental and vision expenses.
You can contribute up to $2,700 annually into the LPFSA. Unused money does not carry over at the end of each year and
will be forfeited.
Dependent Care Flexible Spending Account (FSA)
• Contribute up to $5,000 a year to reimburse your qualified dependent care expenses.
• Eligible expenses include child care and care for dependent elders.
• Unused money does not carry over at the end of each year and will be forfeited.
6 2019 Ancestry Employee Benefits – All Locations
Supplemental Medical
Insurance
Supplemental medical insurance can help protect you from significant or unexpected out-of-pocket expenses. Keep in mind that
these plans are intended to supplement a medical plan. Consider your anticipated medical needs for 2019, along with the cost of
the insurance plans available to you. Adding a supplemental plan to a lower cost medical plan may help you save money while
providing important coverage. The following three supplemental medical plans are available to you for 2019. Coverage and cost
can be found at www.ancestrybenefits.com.
Accident
Accident insurance supplements your medical plan by providing cash benefits in cases of accidental injuries. You can use this
money to help pay for uncovered medical expenses, such as your deductible or coinsurance, or for ongoing living expenses, such
as your mortgage or rent.
Critical Illness
Critical illness insurance helps protect against the financial impact of certain illnesses, such as heart attack, cancer, and more.
You receive a lump-sum benefit that you can use however you see fit.
Hospital Indemnity
A hospital indemnity plan provides supplemental payments that you can use to cover expenses that your medical plan doesn’t
cover for hospital stays.
7 Build on your legacy; let your Ancestry benefits help
Health Advocacy and the EAP
HealthAdvocate can help you:
Ancestry provides you and your eligible family members with confidential access to Personal Health Advocates, that can help you:
• Understand your benefit plan provisions and features
• Understand tests, treatments and medications
• Untangle insurance claims
• Find qualified doctors & hospitals
Health Advocates are available to you 24-hours a day, seven days a week by calling 1-866-695-8622.
Employee Assistance Program
Ancestry provides you and your eligible family members with unlimited telephonic access and up to 5 confidential in-person or
real-time video counseling sessions for many types of issues, including:
• Family and relationship struggles
• Drug & alcohol abuse
• Financial hardship
• Stress or depression
Counselors are available 24-hours, seven days a week by calling 1-866-799-2728. Ancestry will not receive or have access to any of
your confidential information.
Virtual Medicine
• See and talk with a doctor using a mobile device or computer
• Use for allergies, colds, flus, fever, pinkeye and other conditions
• Available for both Kaiser and UHC members
Register at kp.org/mydoctor/videovisits or myuhc.com and look for a Designated Virtual Visit Network Provider Group
8 2019 Ancestry Employee Benefits – All LocationsDental Insurance
Dental
The following dental plan is available to you. You’ll find complete details about coverage and cost at www.ancestrybenefits.com.
In-Network Dental Plan Summary
MetLife - PDP Plus Network
In-Network Out-of-Network
Annual Maximum Benefit $2,500 $2,500
Individual/Family Deductible
$25/$75 $25/$75
(waived for preventive services)
Preventive Services Plan pays 100% Plan pays 100%
Basic Services Plan pays 80% after deductible Plan pays 80% after deductible
Major Services Plan pays 50% after deductible Plan pays 50% after deductible
Orthodontia Services* Plan pays 50% Plan pays 50%
Orthodontia Maximum Lifetime
$1,500 $1,500
(in-network and out-of-network)
Dental Employee Monthly Ancestry Monthly
Contribution Rate Contribution Rate
Employee $16 $33
Employee + Sp/DP $30 $61
Employee + $33 $68
Child(ren)
Family $57 $113
*Coverage is for Children age 19 and under
Due to federal and state tax regulations, benefits provided to
domestic partners are generally taxable and therefore deducted
from your pay on an after-tax basis.
9 Build on your legacy; let your Ancestry benefits helpVision Insurance
Vision
You can enroll in our vision plan to help you save money on eligible vision care expenses, such as eye exams, glasses, and contact
lenses. Complete details are available at www.ancestrybenefits.com.
In-Network Vision Plan Summary
VSP - Choice Network
Vision Plan
In-Network Copay Frequency
Exam $10 1 per 12 months
Lenses $10 1 per 12 months
Contact Lens Fitting Not to exceed $55 1 per 12 months
Retail Allowance Frequency
Frames Up to $175; 20% off any amount 1 per 12 months
over allowance
Contact Lens Up to $175 1 per 12 months
(in lieu of Frames & Lenses)
Your Coverage with Out-of-Network Providers
Get the most out of your benefits and greater savings with a VSP network doctor. Your coverage with out-of-network providers will
be less or you’ll receive a lower level of benefits. Visit vsp.com for plan details.
Exam up to $30 Lined Trifocal Lenses up to $55
Frame up to $85 Progressive Lenses up to $40
Single Vision Lenses up to $25 Contacts up to $140
Lined Bifocal Lenses up to $40
Vision Employee Monthly Ancestry Monthly Due to federal and state tax regulations, benefits provided to
Contribution Rate Contribution Rate domestic partners are generally taxable and therefore deducted
from your pay on an after-tax basis.
Employee $0.00 $8.00
Employee + Sp/DP $8.00 $8.00
Employee + $11.00 $8.00
Child(ren)
Family $16.00 $8.00
10 2019 Ancestry Employee Benefits – All LocationsLife Insurance
Life insurance provides important financial protection for you and your family. The following plans are available to you
and more information can be found at www.ancestrybenefits.com.
Employer-Paid Life and Accidental Death
and Dismemberment (AD&D)
Ancestry provides you with a base level of employee life and accidental death and dismemberment (AD&D) insurance at no cost
to you. This coverage provides a benefit of three times your salary, rounded to the next highest $1,000, up to $350,000.
Employee-Paid Employee Term Life and Accidental Death
and Dismemberment (AD&D)
To supplement the coverage provided by Ancestry, you can purchase additional term life and AD&D insurance for yourself as well
as voluntary life coverage for your spouse and children. Voluntary AD&D is not available for your spouse or your children. This
coverage is tied to your employment with Ancestry and typically ends if you leave the company. You must elect voluntary term life
insurance for yourself in order to purchase coverage for your spouse and/or children.
Disability Insurance
Short-Term Disability
When you need to miss work for an extended time due to an illness or accident, short-term disability insurance can replace a
percentage of your lost income (up to a maximum weekly benefit) for a certain number of weeks. This benefit is completely paid
by Ancestry. Visit www.ancestrybenefits.com for coverage information.
Long-Term Disability
If you experience a disabling illness or injury that lasts longer than your short-term disability benefit, long-term disability
insurance can replace a percentage of your lost income (up to a maximum monthly benefit). Visit www.ancestrybenefits.com
for coverage information.
11 Build on your legacy; let your Ancestry benefits help401(k) Plan
Ancestry offers a traditional pre-tax 401(k) or after-tax Roth 401(k) through Empower. Ancestry matches 100% of the first 3% of
salary that you contribute with no annual maximum and vests at 25% each year. As a result, your savings grow even more quickly!
If you’re a full-time employee, you’re eligible to participate in our 401(k) plans on the first day of employment. If you are a part-time
employee, you are generally eligible after one year of service. New employees are automatically enrolled in the 401(k) plan on their
eligibility date with a 6% deferral amount. Don’t worry – you can change your contribution at any time!
CAPTRUST offers financial education, advice and 1:1 support. Contact them today at 1-800-338-4015.
Flexible Vacation
Ancestry offers a Flexible Vacation Policy for full-time, salaried employees. With the Flexible Vacation policy, you don’t get a set
number of vacation days per year. Instead, you and your manager work together to allow you the time off you need while meeting
your work and team obligations. Whether it’s six hours to wait at home for the cable guy or six days for a family trip, the policy is
designed to fit your unique vacation needs.
12 2019 Ancestry Employee Benefits – All LocationsPaid Time Off
Hourly Employees Only, Does Not Apply to Salaried Employees
Our PTO policy applies to full-time hourly employees. Our PTO policy is designed with flexibility in mind, helping to balance your
work and your personal life. PTO can be used for any reason you are out of the office, including vacation, illness, etc.
As a full-time employee, you start accruing PTO on your first day of work and increase your PTO days with every year you work at
Ancestry. PTO should be arranged in advance except for emergency situations, and all time taken must be recorded in Workday.
Paid Time Off Accrual
Year Monthly Accrual Days Per Year Maximum Accrual
1 11.33 hours 17 days 16 days
2 13.33 hours 20 days 19 days
3 14.66 hours 22 days 21 days
4 15.33 hours 23 days 22 days
5+ 16.66 hours 25 days 24 days
Holidays
In addition to our flexible vacation and PTO programs, Ancestry observes 12 paid holidays per year, plus a bonus holiday for 2019 only.
2019 Holiday Benefits
January 1 New Year’s Day
January 21 Martin Luther King, Jr. Day
February 18 President’s Day
April 22 Spring Break
May 27 Memorial Day
July 4 Independence Day (Thursday)
July 5 Day after Independence Day (Bonus Holiday for 2019 Only)
September 2 Labor Day
November 11 Veterans Day
November 28 Thanksgiving
November 29 Day after Thanksgiving
December 24 Christmas Eve (Tuesday)
December 25 Christmas (Wednesday)
13 Build on your legacy; let your Ancestry benefits helpEmployee Perks
Ancestry offers cool perks for you! Go to www.ancestrybenefits.com and check out more specific program details.
• Wellness, earn incentives for biometric screenings, on-line health risk assessment and personalized health missions
• Tuition Reimbursement for job-related programs, after you’ve reached 90-days of service
• Fitness reimbursements
• Massage: relax with a 20-minute massage from one of our licensed therapists
• HistoryMakers, employee recognition program to give your work colleagues a standout or shout-out for a job well-done
• Alliant On-line Credit Union is an on-line credit union that offers higher interest on savings/checking accounts and lower loan
interest
• Ancestry Subscriptions/DNA Discounts: receive a DNA kit for a discount or a free Ancestry membership to share with
your family and friends
14 2019 Ancestry Employee Benefits – All LocationsContact Information
You’ll find many details about the Ancestry benefit plans at www.ancestrybenefits.com. For more information or to contact a
carrier or plan administrator directly, refer to the chart below.
Phone Group
Benefit Administrator Website
Number Number
Medical United Healthcare 844-333-8019 743256 www.myuhc.com
Medical Kaiser 800-464-4000 605266 www.kp.org
Spending and Health
Navia Benefits 800-669-3539 ANR www.naviabenefits.com
Savings Accounts
Supplemental Medical MetLife 800-275-4638 158675 www.metlife.com
Dental MetLife 800-275-4638 315297 www.metlife.com
Vision VSP 800-877-7195 30078835 www.vsp.com
Term Life Insurance/
Accidental Death & The Hartford 888-563-1124 681096 www.thehartfordatwork.com
Dismemberment
Disability and Leave
The Hartford 877-372-2927 681096 www.thehartfordatwork.com
Management
Fitness Reimbursement Espresa 844-377-7372 N/A www.espresa.com/portal/#/login
Legal MetLife Hyatt 800-821-6400 N/A www.legalplans.com
Advocacy and EAP HealthAdvocate 866-799-2728 N/A www.healthadvocate.com
15 Build on your legacy; let your Ancestry benefits helpYou can also read
