2021 GUIDE TO YOUR BENEFITS - Douglas County

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2021 GUIDE TO YOUR BENEFITS - Douglas County
2020
                 2021

GUIDE TO YOUR BENEFITS
2021 GUIDE TO YOUR BENEFITS - Douglas County
O U R COMMITMENT
                                             TO YOU
    Douglas County is committed to providing our employees with a benefits program that is both comprehensive and competitive. Our
    benefits program offers health care, dental and vision coverage, as well as financial security to our employees and their families. This
    guide provides a general overview of your benefit choices and enrollment information to help you select the coverage that is right for
    you. Douglas County’s internal website for employees, DCNet (https://douglascounty.sharepoint.com/hr/Pages/default.aspx),
    has a wealth of information regarding our benefits package, including direct links to the websites of many of the benefit providers.
    The back page of this guide also has contact information.

            WHEN CAN I ENROLL?
            New Employee
            If you are a new employee of Douglas County, you have thirty days to enroll from your hire date. Employees are eligible for
            benefits on the first day of the month following one month of employment. For example, employees hired on 7/10 will have
            benefit coverage on 9/1. Employees hired on 7/1 will have benefit coverage on 8/1.
            Open Enrollment
            As a benefits-eligible employee, you have the opportunity to enroll in or make changes to your benefit plans during our annual
            open enrollment period. Open enrollment is in the Fall of each year with benefit elections effective January 1.

    ENROLLMENT INFORMATION                                                  CHANGE IN STATUS
    During your Enrollment, you can:                                        Generally, you cannot change the elections you have made
                                                                            after the Open Enrollment period or once enrolled as a new
     • Elect your medical, dental, and/or vision coverage.
                                                                            employee. However, there are certain limited situations where
     • Open and contribute to the Health Care and/or Dependent              you may do so. These can be discussed with Human Resources
       Care Flexible Spending Accounts (FSAs).                              (303-660-7427, option 2) at the time of a life event.
     • Choose your voluntary benefit options.                               Currently, Federal law considers the following events to be
                                                                            “change in status”:
                                                                             • Marriage, divorce, death of a spouse, legal separation or
    DEPENDENT ELIGIBILITY                                                      annulment.
    You can enroll your dependents in plans that offer dependent              • Birth, adoption, placement for adoption, or death of a
    coverage.                                                                   dependent.
    The following are considered eligible dependents for benefits:            • Change in your or a dependent’s employment status that
                                                                                affects eligibility for benefits.
     • Legal spouse or common law spouse.
                                                                              • When a dependent ceases to satisfy the requirements for
     • Natural children, adopted children, children placed for                  coverage due to change in age.
       adoption, stepchildren, children subject to legal guardianship
       of an employee or an employee’s foster children.                     You may add or drop eligible dependents to your health plans
                                                                            within 30 days of a “change in status.” Lastly, you may increase
     • An adult dependent child up to 26 years of age.                      or decrease your medical and/or dependent care spending
                                                                            account contributions. Any other change to your health
                                                                            insurance must be made during the Open Enrollment period in
                                                                            the Fall of each year with an effective date of January 1st.

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2021 GUIDE TO YOUR BENEFITS - Douglas County
ME DIC AL COV ERAGE:
                       ADMI NIS TERED B Y AETNA
MEDICAL BENEFITS
Douglas County offers you a choice of three different medical plans. There are important differences between the plans described on
the comparison charts on the following page. Additional information can also be found on DCNet.

 • Aetna Whole Health CO Front Range Select Plan – This plan provides in-network benefits only. You must use a provider
   participating in the Aetna Whole Health (AWH) - Colorado Front Range Aetna Select network for benefits to be covered. Make sure
   all of your doctors, including specialists, are participating in the Aetna Whole Health - Colorado Front Range Aetna Select network
   by visiting www.aetna.com/docfind.
 • Aetna Open Access Select (HMO) – This plan provides in-network benefits only. You
   will receive a broader network of doctors than you would with other network plans. Only
   services received from providers participating in the Open Access Select network are
   covered. Make sure all of your doctors, including specialists, are participating in the
   Aetna Select (Open Access) network by visiting www.aetna.com/docfind.
 • Aetna Whole Health CO Front Range Choice POS II – High Deductible Health Plan/
   (HDHP/HSA) – The HDHP plan offers in and out of network benefits. Your deductible
   amount must be satisfied before the plan pays for any medical and pharmacy expenses.
   All covered expenses accumulate separately toward the preferred or non-preferred
   deductible. By enrolling in this plan, you qualify to open a Health Savings Account (HSA).
   The County will make a $75 a month contribution (not to exceed $900) for employee
   only coverage in the High Deductible plan and a $150 a month (not to exceed $1800)
   contribuion for family coverage. To find doctors and specialists in the preferred network
   (in-network) visit www.aetna.com/docfind and select the (CO) Aetna Whole Health -
   Colorado Front Range Choice POSII network.
An important consideration when selecting a plan is whether or not the providers you
currently use are in the specific network that coordinates with a given plan. If your provider
relationship is important to you, you will want to make sure all of your doctors are in the
designated network.

                                ADDITIONA L MEDICAL SERVICES
                                TELADOC VIRTUAL MEDICINE
                                 • T hrough the convenience of phone or video consults, Teladoc gives you 24/7/365 access to a
                                    doctor.
                                 • It’s an affordable option for quality medical care, talk to a doctor anytime for $47 or less.
                                 • P
                                    erfect to use for short-term prescription refills, when you need care now, if you’re considering
                                   the ER or urgent care for a non-emergency issue or when away from home. Includes dermatology
                                   and behavioral health virtual consultations! Additional costs may apply.

                                HEALTH ADVOCATE
                                 • H
                                    ealth Advocate is a service that can help you and your eligible family members resolve
                                   healthcare and insurance-related issues.

                                DISPATCH HEALTH
                                 • Dispatch Health provides on-demand urgent care in the convenience & comfort of your home.
                                 • D
                                    ispatch Health treats things like coughs, fevers, colds, the flu, skin rashes, respiratory issues,
                                   and digestive issues.
                                                                                                                                          3
                                 • Dispatch Health performs infectious disease testing, labs and IV fluids.
2021 GUIDE TO YOUR BENEFITS - Douglas County
ME DIC AL COV ERAGE:
                                   ADMI NIS TERED B Y AETNA

    ME DICA L B E NEFITS AT-A-GLANCE AND COST OF COVE RAGE
    The information below is a summary of medical coverage only. Please contact Human Resources at DCBenefits@douglas.co.us for
    plan summaries detailing coverage information, limitations and exclusions.
                                                             AETNA AWH CO FRONT               AETNA OPEN ACCESS                 AETNA AWH CO FRONT RANGE CHOICE POS II
                                                                RANGE SELECT                     SELECT (HMO)                                 HDHP/HSA
     BENEFIT
                                                                    In-Network                       In-Network                      In-Network                    Out-Of-Network

     Annual Calendar Year Deductible
       Single                                                          $750                            $1,000                          $1,500                          $3,000
       Family                                                         $1,500                           $2,000                          $3,000                          $6,000
     Out-of-Pocket Maximum
       Single                                                         $3,500                           $3,500                          $3,000                          $6,000
       Family                                                         $7,000                           $7,000                          $6,000                          $12,000
     Coinsurance                                               10% after deductible            10% after deductible             20% after deductible            40% after deductible
     Physician Services
       Doctor’s office visit                                            $25                             $25                     20% after deductible            40% after deductible
       Specialist office visit                                          $40                             $40                     20% after deductible            40% after deductible
       Preventive care                                                   $0                              $0                               $0                                 $0
     Complex Imaging MRI, CT                                   10% after deductible            10% after deductible             20% after deductible            40% after deductible
     Hospital Services
       Inpatient                                               10% after deductible            10% after deductible             20% after deductible            40% after deductible
       Outpatient                                              10% after deductible            10% after deductible             20% after deductible            40% after deductible
     Emergency Care                                             5% after deductible             5% after deductible                             20% after deductible

     PRESCRIPTION DRUGS
     Deductible
       Single                                                          $100                            $100                           Included in deductible listed above
       Family                                                          $300                            $300                           Included in deductible listed above
     Retail (30-day supply)
       Generic                                               $10 after Rx deductible         $10 after Rx deductible            $10 after deductible                Not Covered
       Preferred brand                                       $40 after Rx deductible         $40 after Rx deductible            $40 after deductible                Not Covered
       Non-preferred brand                                   $60 after Rx deductible         $60 after Rx deductible            $60 after deductible                Not Covered
     Mail Order (90-day supply)
       Generic                                               $20 after Rx deductible         $20 after Rx deductible            $20 after deductible                Not Covered
       Preferred brand                                       $80 after Rx deductible         $80 after Rx deductible            $80 after deductible                Not Covered
       Non-preferred brand                                  $120 after Rx deductible        $120 after Rx deductible           $120 after deductible                Not Covered
     MONTHLY DEDUCTIONS
     Employee Only                                                      $25                             $105                                             $10
     Employee + Spouse                                                  $50                             $258                                             $20
     Employee + Child(ren)                                              $48                             $248                                             $20
     Family                                                             $74                             $379                                             $30

    Note: Deductibles, copays and coinsurance accumulate toward the out-of-pocket maximums. Usual, Customary and Reasonable charges apply for all out-of-network benefits.

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2021 GUIDE TO YOUR BENEFITS - Douglas County
DE NT AL COVERAGE:
                                             ADMINISTERED B Y
                                              DE L TA DENTAL
D E N TA L B ENEFITS AT-A-GLANCE AND COST OF COVE RAGE
Good oral care enhances overall physical health, appearance and mental well-being. Problems with the teeth and gums are common
and easily treated health problems. Douglas County offers you a choice of two different dental plans.
 • PPO Only Plan – A dental program which members must use a Delta Dental PPO dentist. There is no out-of-network coverage.
 • PPO Plus Plan – Benefits shown are for in-network coverage (PPO dentists). Benefits decrease if an out-of-network dentist is used.
   Members accessing care from non-participating dentists will be subject to “balance billing” (the difference between the Delta
   Dental reimbursement and the dentist billed charges).

                                                       DELTA PPO                                 DELTA PPO PLUS
 BENEFIT                                                                                                            (Premier or
                                                      (PPO Provider)              (PPO Provider)
                                                                                                             Non-Participating Providers)

 Annual Calendar Year Maximum                        $2,000 per person          $1,500 per person                  $1,500 per person

 Calendar Year Deductible                                  $0/$0                    $50/$150                           $75/$225
 (Single/Family)

 Preventive Services                            See Copay Schedule on DCNet            100%                               80%

 Basic Services                                 See Copay Schedule on DCNet     90% after deductible              80% after deductible

 Major Services                                 See Copay Schedule on DCNet*    50% after deductible              50% after deductible

                                                $2,000 lifetime max, children
 Orthodontia Lifetime maximum                                                         $1,500 lifetime max, children up to age 19
                                                          and adults
 MONTHLY DEDUCTIONS
 Employee Only                                            $28.34                                       $42.03
 Employee + Spouse                                        $49.63                                       $73.80
 Employee + Child(ren)                                    $54.29                                       $88.16
 Family                                                   $74.26                                       $119.93

*Implants are excluded from the PPO Only Plan

                                                                                                                                            5
2021 GUIDE TO YOUR BENEFITS - Douglas County
VIS IO N COV ERAGE:
                   ADMINIS T E R ED B Y VSP VISION

    V I S I O N B ENEFITS AT-A-GLA NCE AND COST OF COVE RAGE
    Regular eye examinations can not only determine your need for corrective eyewear but also may detect general health problems in
    their earliest stages. Protection for the eyes should be a major concern to everyone.

    No need for an ID card. To take advantage of your VSP vision benefit, simply contact a VSP provider and let them know you have VSP
    coverage—they handle the paperwork for you.

     BENEFIT                                       IN NETWORK                       OUT-OF-NETWORK
                                                 (any VSP Provider)             (any qualified non-network        FREQUENCY
                                                                                  provider of your choice)

     Vision Exam                                100% after $10 copay                    Up to $45               Every calendar year

                                           100% after $25 copay; Discount
     Lenses                                      for special lenses                     Up to $30               Every calendar year

     Frames                               In Full up to $150, after $25 copay           Up to $70            Every other calendar year

     Contact Lenses Instead of Glasses

      Conventional/Disposable                $130 allowance for contacts               Up to $115
                                                                                                                Every calendar year
      Medically Necessary                          Covered in Full                     Up to $210

      SunCare                             In Full up to $150 after $25 copay
                                           for ready-made non-prescription              Up to $70            Every other calendar year
      (Instead of Prescription Glasses)                sunglasses
     KidsCare
      Exam                                           $10 Copay                          Up to $45            Twice every calendar year
      Frames                                         Up to $150                         Up to $70               Every calendar year

     MONTHLY DEDUCTIONS
     Employee Only                                                                        $7.43

     Employee + Spouse                                                                   $10.61

     Employee + Child(ren)                                                               $11.67

     Family                                                                              $23.33

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H EALT H S AVINGS ACCOUNT:
                           ADMINISTERED B Y
                         DI S C O VERY B ENEFITS
If you enroll in the Aetna Whole Health CO Front Range Choice POS II Plan (HDHP), you’ll have access to a Health Savings
Account (HSA). You can think of your HSA as a personal savings account for your health care expenses, with some impressive tax
advantages. The account even includes a contribution from Douglas County that can be a big help throughout the year.

             STA RT HERE

                                                                                                     PAY EXPENSES

      COMPANY CONTRIBUTION                                                                           You can use your HSA to pay for eligible expenses
                                                                                                     on a tax-free basis.**
      Douglas County will contribute $75.00
      a month for a total of $900 a year for                                                         For example:
      individuals and $150.00 a month for a                                                           • Copays                   • Prescriptions
      total of $1,800 a year for families enrolled                                                    • Deductibles              • Dental & Vision
      in Aetna Whole Health CO Front Range                                                                                         Expenses
      Choice POS II (HDHP).
                                                                                                      A full list is available at www.irs.gov.

                                                                              YOUR HSA

     YOUR TAX-FREE CONTRIBUTION                                                                            SAVING FOR THE FUTURE
    You can contribute funds from your                                                                     You can also save your funds for the
    paycheck before taxes are taken out.                                                                   future, and allow them to earn interest.

 HOW MUCH CAN YOU                                      2021                                 DOUGLAS COUNTY                      YOUR MAXIMUM
 CONTRIBUTE?                                   IRS CONTRIBUTION LIMIT                        CONTRIBUTION                    CONTRIBUTION AMOUNT

 Employee Only Coverage                                    $3,600*                                    $900                             $2,700

 Family Coverage                                           $7,200*                                   $1,800                            $5,400

* If an individual reaches age 55 by the end of the calendar year, he or she can contribute an additional $1,000.

            LET’S BREAK IT DOWN
             • You and Douglas County can add funds into the HSA that are not subject to federal income taxes up to the IRS limits.**
             • The HSA allows you to pay for qualified medical expenses with these tax-free funds.
             • The account can earn interest on a tax-free basis, and you are allowed to roll funds over year after year.
             • If you leave Douglas County, or retire, you can take your HSA with you.

**Any reference to taxes is at the federal level. State tax rules may vary.
                                                                                                                                                         7
FL EXIBLE S P ENDING ACCOUNTS:
                       ADMI NISTERED B Y
                      DI S C O VERY B ENEFITS
    FLEXIBLE SPENDING ACCOUNTS (FSAs)
    Flexible Spending Accounts (FSAs) enable you to put aside money for important expenses and help you reduce your income taxes
    at the same time. Douglas County offers two types of Flexible Spending Accounts — a Health Care Flexible Spending Account and a
    Dependent Care Flexible Spending Account. These accounts allow you to set aside pre-tax dollars to pay for certain out-of-pocket
    health care or dependent care expenses.

                                                               HEALTH                          DEPENDENT
                                                                CARE                              CARE
                                                                 FSA                               FSA

      Deductibles, copays, prescription                         Go to www.benefitsquest.com/fsa                         Babysitters, daycare, day
     and over-the-counter drugs, medical                      for a complete list of covered expenses.                camp, home nursing care, etc.
               equipment, etc.

    HOW FSA’S WORK
     1. When you first enroll in benefits and each year during the open enrollment
         period, you decide how much to set aside for health care and/or
         dependent care expenses.
     2. Your contributions are deducted from your paycheck on a before-tax
        basis in equal installments throughout the calendar year.
     3. As you incur health care or dependent care expenses throughout
        the year, submit a claim form for reimbursement. Your claim will be
        processed and you will be reimbursed from your account. Or use your
        FSA card to pay for eligible expenses at the point of sale. Be sure to ask
        for an itemized receipt for your records in the event they are requested
        by Discovery Benefits or the IRS.
    Please note that these accounts are separate — you may choose to
    participate in one, both, or ­neither. You cannot use money from the Health
    Care FSA to cover expenses eligible under the Dependent Care FSA or vice
    versa.

                                     ANNUAL MAXIMUM                  EXAMPLES OF                   HEALTH CARE ITEMS YOU MIGHT NOT
     PLAN
                                      CONTRIBUTION                 COVERED EXPENSES                REALIZE ARE FSA ELIGIBLE:
                                                                     Copays, deductibles,           • Sunscreen
     Health Care Flexible
                                             $2,750                 orthodontia, over- the-         • Heating and cooling pads
     Spending Account
                                                                   counter medications, etc.        • First aid kits
                                   $5,000 ($2,500 if married                                        • Shoe inserts and other foot grooming
     Dependent Care Flexible                                       Daycare, nursery school,
                                    and filing separate tax                                           treatments
     Spending Account                                              elder care expenses, etc.
                                            returns)
                                                                                                    • Travel pillows
     NOTE: See IRS Publications 502 and 503 for a complete list of covered expenses.
                                                                                                    • Motion sickness bands

8
S IC K BA NK AND DISAB ILITY:
               ADMINIS T ERED B Y DOUGLAS
               C O U NT Y AN D THE HARTFORD

                                                                       If you are out of work for an extended period of time due to a disabling
                                                                       injury or illness, disability insurance is designed to replace a portion of
                                                                       your income, and help you maintain your lifestyle. According to the Social
                                                                       Security Administration, just over one in every four of today’s 20
                                                                       year-olds will become disabled before they reach retirement age.* At this
                                                                       rate, making sure that you have disability coverage in place is a smart
                                                                       move.

                                                                       SICK BANK
                                                                       Regular full-time and regular part-time employees (.50 FTE or greater) are
                                                                       eligible for the Sick Bank Program at no cost to you and enrollment is
                                                                       automatic.

                                                                       This program is established to provide for the continuation of pay to
                                                                       employees who have exhausted their available accrued sick leave, vacation
                                                                       and compensatory time during the 30 calendar-day elimination period for
                                                                       the County’s short-term disability plan. Up to 184 hours of Sick Bank is
                                                                       available during a 12 month period.

                                                                       SHORT-TERM DISABILITY (STD)
                                                                       Short-term disability insurance replaces a portion of your income if an
                                                                       injury or illness forces you out of work for an extended period of time.
                                                                       Douglas County provides basic short-term disability coverage at no cost
                                                                       to you and enrollment is automatic. After a 30-day elimination period from
                                                                       the date of disability, if your sick leave is exhausted, you will receive 60%
                                                                       of your base earnings up to a maximum of $5,000 per month. Coverage
                                                                       ends after 90 days of disability.

LONG-TERM DISABILITY (LTD)
Douglas County also provides long-term disability insurance to protect your finances when your disability continues beyond the
period covered by the short-term disability plan. This benefit is also fully paid for by the County and enrollment is automatic. You
may purchase an additional 10% of your gross salary on a post-tax basis, without going through medical underwriting during New
Hire and Open Enrollment.

                                                               LONG-TERM DISABILITY

                              Basic (County paid)                                                  Optional Long-Term Buy-Up

                  60% up to $8,000 per month after the                                  Additional 10% for a total of 70% to a maximum
                       90-day elimination period                                                    of $10,000 per month

    * U.S. Social Security Administration, Fact Sheet, January 2017.

                                                                                                                                                       9
I NC O ME PROTECTION:
                                   ADMINISTERED B Y
                                    T HE HARTFORD
     LIFE INSURANCE OPTIONS
     Your family depends on your income for a comfortable lifestyle and for the resources necessary to make their dreams – such as
     a college education – a reality. Like anyone, you don’t like to think of the scenario where you’re no longer there for your family.
     However, you do need to ensure their lives and dreams can continue if the worst does happen.

     BASIC TERM LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INS U RANCE
     Douglas County provides eligible employees with basic term life and accidental death and dismemberment coverage at no cost to
     you and enrollment is automatic.

     BASIC TERM LIFE: The benefit is equal to 1.5 times your base annual earnings to a ­maximum of $300,000.

     ACCIDENTAL DEATH AND DISMEMBERMENT: If you are seriously injured or lose your life in an accident, you will be e­ ligible
     for AD&D coverage of 1.5 times your annual salary up to a maximum of $300,000.

     SUPPLEMENTAL LIFE
     You may purchase life insurance on a post-tax basis in addition to the County-provided coverage. You may also purchase life
     insurance for your dependents if you purchase additional coverage for yourself. As a new employee, you have the opportunity to
     purchase supplemental life insurance at the guaranteed issued amount without going through medical underwriting. If you are
     covered for a minimum of $10,000 and your spouse is covered for at least $5,000, you are guaranteed coverage (up to $200,000
     for employee and up to $25,000 for your spouse) without answering medical questions during Open Enrollment.
                                                         EMPLOYEE: Up to five times your salary or maximum $500,000 amount;
                                                         whichever is less. Rates based on your age.

                                                         SPOUSE: Up to 100% of your maximum. Rates based on employee’s age.
                                                         CHILDREN: Up to $10,000.

                                                         If you are age 75 or reach age 75 during your employment, your amount of life
                                                         insurance will be 65% of the amount of life insurance you elect or had prior to
                                                         age 65. The coverage is reduced again to 45% at age 80, 30% at age 85 and
                                                         20% at age 90.

                                                         You are not allowed to increase your coverage once it has been reduced.

10
VO LU NTARY B ENEFITS:
                        ADMI NIS T ERED B Y METL IFE

CRITICAL ILLNESS INSURANCE
Critical illness insurance is designed to protect your income and personal assets when your out-of-pocket expenses increase as a
result of an illness. Health insurance is not always enough to cover all of the unforeseen expenses associated with a serious medical
condition like a heart attack or cancer. MetLife Critical Illness plans are designed to pay you one lump sum payout of either $15,000
for the low plan option or $30,000 for the high plan option.

 COVERED CONDITIONS                                                    INITIAL BENEFIT                                   RECURRENCE BENEFIT

 Full Benefit Cancer                                                 100% of Initial Benefit                                50% of Initial Benefit
 Partial Benefit Cancer                                               25% of Initial Benefit                               12.5% of Initial Benefit
 Heart Attack                                                        100% of Initial Benefit                                50% of Initial Benefit
 Stroke                                                              100% of Initial Benefit                                50% of Initial Benefit
 Coronary Artery Bypass Graft                                        100% of Initial Benefit                                50% of Initial Benefit
 Kidney Failure                                                      100% of Initial Benefit                                    Not applicable
 Alzheimer's Disease                                                 100% of Initial Benefit                                    Not applicable
 Major Organ Transplant Benefit                                      100% of Initial Benefit                                    Not applicable
 22 Listed Conditions                                                 25% of Initial Benefit                                    Not applicable

 AGE                      EMPLOYEE                      EMPLOYEE + SPOUSE                 EMPLOYEE + CHILD(REN)                            FAMILY
VO LU NTARY B ENEFITS:
                             ADMI NIS T ERED B Y METL IFE

     ACCIDENT INSURANCE
     You don’t have to be especially clumsy to experience accidents. These events are all too common, and so are the high medical
     expenses that come with them.
     Accidents are unplanned and unpredictable, but the financial impact that they have on you doesn’t have to be either of those things.
     MetLife Group Accident plans are designed to help with the expenses associated with an accidental injury.

                                                                    LOW PLAN                                                     HIGH PLAN
      BENEFIT TYPE
                                                      METLIFE ACCIDENT INSURANCE PAYS YOU                           METLIFE ACCIDENT INSURANCE PAYS YOU

      Fractures                                                          $100-$3,000                                                   $200-$6,000
      Dislocations                                                       $100-$3,000                                                   $200-$6,000
      Second and Third Degree Burns                                       $50-$5,000                                                  $100-$10,000
      Concussions                                                             $200                                                          $400
      Cuts/Lacerations                                                     $25-$200                                                      $50-$400
      Eye Injuries                                                            $200                                                          $300
      Ambulance                                                               $750                                                         $1,000
      Emergency Care                                                       $25-$150                                                      $50-$300
      Non-Emergency Care                                                       $25                                                          $50
      Physician Follow Up                                                      $75                                                          $150
      Therapy Service
                                                                               $35                                                          $35
      (including physical therapy)
      Medical Testing Benefit                                                 $100                                                          $200
      Inpatient Surgery                                                  $100-$1,000                                                   $200-$2,000

                     METLIFE ACCIDENT PLAN-LOW OPTION                                                              PRICING
                     Employee                                                                                         $7.07
                     Employee / Spouse                                                                               $12.05
                     Employee / Child(ren)                                                                           $13.53
                     Employee / Family                                                                               $16.57

                     METLIFE ACCIDENT PLAN-HIGH OPTION                                                              PRICING
                     Employee                                                                                        $11.76
                     Employee / Spouse                                                                               $21.02
                     Employee / Child(ren)                                                                           $23.71
                     Employee / Family                                                                               $29.30

     The policy/certificate of coverage or its provisions may vary or be unavailable in some states. The policy/certificate of coverage has exclusions and limitations
     which may affect any benefits payable.

12
4 0 1 (a) MA NDATORY RETIREMEN T
          P L AN: A DMI NISTERED B Y ICMA
The Douglas County retirement plan is a 401(a). It is a qualified mandatory retirement plan administered by the International City/
County Management Association – Retirement Corporation (ICMA-RC) to provide income after retirement for eligible employees.
Retirement benefits through the plan are in addition to those provided under Federal Social Security.

H OW D O ES IC MA-R C W ORK ?
You must contribute 8% of your gross salary (pre-tax dollars) to the plan the first month following one month of employment.
Douglas County will contribute 8% of your salary for a total contribution of 16% of your salary to the plan. Your initial investments will
be defaulted to a target date retirement fund; however, you may change where you would like your employee and employer portions
invested.

C AN I WI THDR AW MY OW N CONT RI BUT I ONS W HI L E E M PL OY E D ?
No! ICMA-RC administrative regulations stipulate that contributions will be distributed only upon retirement, death, disability, or
separation of employment. However, on February 1, 2006, the County introduced the benefit of a loan provision, enabling employees
to borrow funds from individual ICMA-RC 401(a) vested account balances under specific terms and conditions.

WH AT I F I L EAV E THE COUN T Y ?
You are entitled to 100% of the amount you contributed to the 401(a) Plan, plus earnings or minus losses AND a portion of the
County’s contribution, plus earnings and minus losses, according to the vesting schedule below. You have several different options
regarding pay-outs. If you take a cash pay-out, you will pay income taxes, a tax withholding fee, and possibly be subject to a penalty.
You may also elect to rollover your funds to another retirement account.

 PLAN                                                                              RETIREMENT 401(A) - MANDATORY

 Provider                                                                                          ICMA-RC

 Employee Contributions                                                                               8%

 Loan Provision                                                                                       Yes

 Douglas County Contributions                                                                      8% match

                                                                                                  1 year - 20%

                                                                                                 2 years - 40%

 Vesting for County Contributions                                                                3 years - 60%

                                                                                                 4 years - 80%

                                                                                                5 years - 100%

                                                                                                                                             13
4 5 7 DE FE RRED COMPENSATION :
                      ADMINISTERED B Y ICMA
     Deferred compensation, under Internal Revenue Code Section 457, is a tax-favored supplemental retirement savings program. It
     allows public employees to contribute a portion of their salary into a retirement account before state and federal taxes are withheld.
     These programs are offered exclusively to public employees and non-taxable entities, and are designed to help you build financial
     security.

     Effective July 1, 2015, employees may also participate in a Roth 457 Deferred Compensation plan. Employees may contribute a
     portion of their salary into a retirement account on an after-tax basis.

     CONTRIBUTION AMOUNTS
     You can contribute as much as $19,500 per calendar year for 2021. If you are 50 years or older, you may contribute an additional
     $6,500 FOR A TOTAL of $26,000. There is also a catch up provision available for employees within three years of retirement. Please
     see Human Resources for details. Combined contributions and post deferred compensation elections cannot exceed $19,500 for
     calendar year 2021, and $6,500 for catch-up.

     CHANGES
     You may enroll in the plan at the first of the month following one month of employment, or at any time thereafter. Contribution
     changes may be made at any time and will take effect the first day of the month following the request.

     WITHDRAWALS
     Withdrawals are permitted ONLY because of retirement, separation of employment and unforeseeable emergencies, as defined by
     the plan.

      PLAN                                                             DEFERRED COMPENSATION 457 - VOLUNTARY

      Provider                                                                                ICMA-RC

                                                     You have the option to contribute an additional amount up to $19,500 for 2021. If you are 50
      Employee Contributions                         years old or older, you can contribute an additional $6,500. See Human Resources for details
                                                                                  regarding the pre-retirement option.

      Loan Provision                                                                      No, Hardship Only

      Douglas County Contributions                                                               0%

                                                                         No vesting schedule under Deferred Compensation
      Vesting for County Contributions
                                                                                    (100% employee contribution)

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O T HER EMPLOYEE
                                         B ENEFITS
EMPLOYEE ASSISTANCE PROGRAM:
ADMINISTERED BY RESOURCES FOR LIVING
Aetna Resources For Living is an employer sponsored program, available at no cost to you and all members of your household. That
includes dependent children up to age 26, whether or not they live at home. Services are confidential and available 24 hours a day, 7
days a week.

Counseling sessions with licenses professionals are available for up to 3 sessions per issue, per person, per year, on a face to face,
phone, or web video basis. Support, consultation and resources for a range of issues such as: helping you balance work and home
life, family relationship issues, depression, conflict management, alcohol/substance, stress management and more.

EMPLOYEE DEVELOPMENT
The County offers employee development and training programs. The Human Resources Department provides development
opportunities related to both professional and personal growth. Classes are announced via Talent Center located on DCNet
https://douglasco.csod.com/samldefault.aspx.

WELLNESS OPPORTUNITIES
The County established a wellness committee to promote a culture of wellness and to encourage our employees to live healthier
lifestyles. Please visit our Douglas County Wellness Website for a list of wellness opportunities available to our employees:
https://douglascounty.sharepoint.com/wellness/sitepages/wellness.aspx.

CREDIT UNIONS
As a County employee, you are eligible to join the Air Academy Federal Credit Union or the Credit Union of Colorado. If you are a
member of the DCSO, you may also join the Rocky Mountain Law Enforcement Credit Union.

CASTLE ROCK RECREATION CENTER
As a Douglas County employee, you are eligible to join the Castle Rock Community Recreation Center at a discounted rate. Discount
does not include use of Miller Athletic Complex (MAC). Please contact the Douglas County Receptionist at 303-660-7400 for more
information.

MILLER ACTIVITY COMPLEX (MAC)
As a Douglas County employee, you are eligible to join the Miller Activity Complex (MAC) at a discounted rate. Discount does
not include use of Castle Rock Recreation Center. Please contact the Douglas County Receptionist at 303-660-7400 for more
information.

ELITCH GARDENS AND WATER WORLD
Douglas County offers the opportunity to purchase tickets at a discounted rate. Please visit the Discount page on DCNet to purchase
discounted tickets online.

                                                                                                                                         15
MORE
                                                          INF ORMATION
     REFERENCES AND RESOURCES
      BENEFIT                                        WHO TO CALL                                     WEBSITE                                  PHONE NUMBER

                                                          Aetna
      Medical/Prescription                                                                        www.aetna.com                                   800-520-4785
                                                     (Group #466027)

      Benefit and Claims Assistance                   Health Advocate                 www.healthadvocate.com/members                              866-695-8622

                                                        Delta Dental
                                                      (Group #11870)                                                                              800-610-0201
      Dental                                                                                 www.deltadentalco.com
                                                      PPO Only (1111)                                                                             303-741-9305
                                                      PPO Plus (2222)

                                                    Vision Service Plan
      Vision                                                                                       www.vsp.com                                    800-877-7195
                                                   (Group #12110352)

      Basic & Voluntary Life, AD&D                     The Hartford
                                                                                          https://www.thehartford.com                             888-301-5615
      and Long-Term Disability                       (Group #697590)

      COBRA/Flex/HSA Accounts                       Discovery Benefits                     www.discoverybenefits.com                              866-451-3399

                                               Metlife Insurance Company
      Accident and Critical Illness                                                              www.metlife.com                                  800-438-6388
                                                   (Group #0158138)

                                                                                          www.resourcesforliving.com
      EAP                                          Resources for Living                   User Name = Douglas County                              888-238-6232
                                                                                                Password = eap
                                                                                                                                          Denver/Boulder/Longmont:
                                                                                                                                                303-500-1518
      On-Demand Urgent Care                           Dispatch Health                        www.dispatchhealth.com
                                                                                                                                                Colorado Springs:
                                                                                                                                                 719-270-0805

      Telehealth                                          TelaDoc                        www.teladoc.com/aetna-share/                             855-835-2362

                                                                                                                                       Customer Service: 800-669-7400
      401(a) and 457                                        ICMA                                  www.icmarc.org
                                                                                                                                          Debra J Adair: 866-620-6069

     NOTE: This guide is intended to summarize the benefits you receive from Douglas County. The actual determination of your benefits is based solely on the plan
     document provided by the carrier of each plan. This summary is not legally binding, is not a contract, and does not alter any original plan documents. For additional
     information, please contact the Human Resources Department.

                                                                                                                                                      Updated 10/2020

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