BENEFITS OWNER'S MANUAL - 2019 DRIVETIME - The Genius Way to Live - DriveTime Benefits Package
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2019 DRIVETIME BENEFITS OWNER’S MANUAL The Genius Way to Live
TABLE OF CONTENTS www.drivetimebenefits.com BENEFITS ELIGIBILITY www.drivetimebenefits.com
EMPLOYEE ELIGIBILITY
2 2 2
Your Benefits EMPLOYEE DEPENDENT LIFE STATUS
If you are a regular, active employee you are eligible to enroll in DriveTime’s Benefits Program! You can enroll in benefits as a
Eligibility Explained ELIGIBILITY ELIGIBILITY CHANGE EVENT
new hire within your first 30 days of employment. After that, you have to wait until Open Enrollment or a Life Status Change
Event to enroll or make changes to your elections.
New Hire Benefits 3 4
Enrollment NEW HIRE BENEFITS BENEFITS Benefits are active on your 31st day of employment and end on your termination day at midnight.
OVERVIEW CHECKLIST
5 6
Medical COMPARING MEDICAL
Coverage TWO PLANS COVERAGE RATES
7 YOU CAN ALSO ENROLL DEPENDENTS VERIFYING DEPENDENTS ELIGIBILITY
Dental Plan DENTAL PLAN DriveTime conducts dependent eligibility verification for all
Overview OVERVIEW employees who cover dependents on their benefits (this
Children/stepchildren: includes medical, dental and vision). You are required to
Legal spouses Medical for up to age provide documentation verifying the eligibility of each of
Vision Plan 8 Common-law spouses (TX only) 26 and dental/vision
your covered dependents. For a complete listing of
VISION PLAN for ages 19-25, if
Overview OVERVIEW
Children and stepchildren enrolled as a full-time acceptable documents for dependent eligibility verification,
Adopted children student visit the benefits enrollment website at:
WWW.MYDTBENEFITS.COM
Disability & Life 9
Disability & Life
Insurance Insurance If you have questions on dependent eligibility, please contact the
IF YOU DO NOT PROVIDE PROOF OF DEPENDENT ELIGIBILITY:
Benefits Department or see the “Summary Plan Descriptions”
posted on the www.drivetimebenefits.com website.
Retirement Savings 10 • They will not be eligible for medical, dental and/or vision
Retirement
(401k) Savings (401K)
coverage and will be removed from your benefits start date.
• They will not be eligible for COBRA.
Voluntary 11 12 • Enrolling an ineligible dependent on your plan
Benefits Hospital Critical Illness WHAT IS A LIFE STATUS CHANGE? is an integrity issue and could result in
Indemnity & Accident termination of your employment.
How to Enroll in 13 14 Marriage or divorce Gain or loss of coverage
Benefits How to Enroll Confirm your Birth or adoption of a child Change in employment status It is your responsibility to ensure your dependents meet, and
elections Death of spouse or Change in dependent eligibility continue to meet, the requirements for eligible dependents
under the DriveTime Health Plan.
dependent
Your Wellness 15 16 In order to cover dependents on your benefits, you must
Program Your Wellness Your Wellness submit documentation verifying your dependents’ eligibility
Program Resources Any changes you make as a result of a qualified life change before your benefits start date (your benefits begin on your
event must be submitted within 31 days of the qualifying event. 31st day of employment). Please upload your documentation
on www.mydtbenefits.com, submit via email with your
Paid Time Off, Tuition 17 18 18 The Life Status Change transaction can be found on the employee ID to drivetime@winstonbenefits.com, or fax with
PTO & Tuition Leave of www.mydtbenefits.com website. If you miss this enrollment
Assistance & Leave Process Reimbursement Absence
Maternity &
window, you will have to wait until the next annual Open
your employee ID to 732-903-9271. If not received, benefit
Bonding Pay elections for your dependents will not be processed.
Enrollment to make benefit changes.
Contact Benefits & Frequently Asked 19 20 21
Questions Contact Glossary of Frequently
Benefits Terms Asked Questions
DRIVETIME BENEFITS OWNER’S MANUAL 2019 Table of Contents 1 DRIVETIME BENEFITS OWNER’S MANUAL 2019 Benefits Eligibility 2
OPEN ENROLLMENT BENEFITS OVERVIEW www.drivetimebenefits.com OPEN ENROLLMENT - CHECKLIST www.drivetimebenefits.com
WELCOME - HERE’S HOW YOU GET STARTED
OPEN ENROLLMENT:
OPEN ENROLLMENT BEGINS 10/01/2018 AND WILL LAST
Please make sure to complete each of these steps to ensure your enrollment in benefits. If you have any problems completing any of the UNTIL 10/12/2018 for benefits that take effect on
steps, make sure to contact us via email and we will be glad to assist you. You’ll find a full checklist outline available for you to use on 1/1/2019. Don't miss your chance to enroll or make
the next page to help you keep track of your deadlines in accordance with your hire date. 10/01/2018 - 10/12/2018 changes for the 2019 year!
IMPORTANT BENEFITS DEADLINES
STEP 1 Benefits Orientation
Learn about the benefits available to you through this Owner's Manual,
on www.drivetimebenefits.com, or through EVO found on DASH.
STEP 1 BENEFITS OPEN ENROLLMENT Your deadline:
10/12/2018
STEP 2 Enroll in Benefits
Log on to www.mydtbenefits.com. From there, click on Open
Enrollment to elect your benefits (this will include adding dependents,
assigning beneficiaries for life insurance, etc.). Be sure to click “Confirm” STEP 2 ENROLLING IN BENEFITS Your deadline:
to submit.
10/12/2018
STEP 3 Dependent Verification
In order to cover dependents on your benefits, you must submit STEP 3 DEPENDENT PAPERWORK Your deadline:
documentation verifying your dependents’ eligibility before your benefits
start date. You can upload your documentation on www.mydtbenefits.com
(click on Dependent Verification and then How Do I Submit Documents). 10/26/2018
STEP 4 Benefits Take Effect STEP 4 BENEFITS TAKE EFFECT Benefits Effective:
Benefit Coverage Cards
If you elected medical coverage, you will receive your insurance card for
United Healthcare in the mail at your home address listed in Ultipro (http://
01/01/2019
n32.ultipro.com).
Please note, dental and vision coverage providers do not send coverage
cards. Go to www.drivetimebenefits.com to learn more.
STEP 5 BIOMETRIC TESTING & ANNUAL PHYSICAL Your deadline:
If you currently have medical coverage with DriveTime, you (and
STEP 5 Wellness Program Steps
your covered spouse) will need to completed your wellness steps
by November 15th to secure discount for following plan year. 11/15/2018
Save money on your per pay medical premiums by participating in the Not yet covered by DriveTime's medical plan? If you are picking
Wellness Program. Once your medical coverage is effective, up coverage for the first time in 2019 you will need to have your
1. go to www.drivetime.mywellmetrics.com to print your wellness wellness visit done by FALL 2019
screening form.
2. Then schedule an appointment with your doctor to complete your
physical and biometric screening.
3. Make sure to verify your earned points 72 hours after your doctor
submits your results at www.drivetime.mywellmetrics.com.
Complete challenges on the website to earn additional points.
DRIVETIME BENEFITS
BENEFITS OWNER
WNER’’S MANU
MANUAL 2019 New Hire Benefits Overview 3 DRIVETIME BENEFITS OWNER’S MANUAL 2019 4
Open Enrollment Benefits Checklist
MEDICAL COVERAGE - OVERVIEW www.drivetimebenefits.com MEDICAL COVERAGE - RATES www.drivetimebenefits.com
*If you do not complete your wellness steps you will be defaulted to the standard tier rates.*
TWO MEDICAL PLANS TO CHOOSE FROM The Traditional Plan The Liberty Plan
COMPARE
See more information on these options below.
Need help choosing which is right for you? Call (855) 430-4558. RATES
FULL-TIME PART-TIME FULL-TIME PART-TIME
WELLNESS DISCOUNT
EMPLOYEE $31.90 $163.07 $24.65 $137.34
COMPARING THE The Traditional Plan The Liberty Plan EMPLOYEE + SPOUSE
EMPLOYEE + CHILD(REN)
$112.20
$85.80
$385.97
$288.73
$86.70
$66.30
$325.08
$243.18
PLANS EMPLOYEE + FAMILY $144.10 $484.70 $111.35 $408.24
Preferred Provider Organization (PPO) plan that High deductible health plan that comes with an
comes with co-pays for office visits and prescription option to save tax-deferred in a Health Savings STANDARD RATE
coverage. Account (HSA).
EMPLOYEE $95.86 $218.72 $65.91 $182.40
EMPLOYEE + SPOUSE $254.94 $438.52 $182.07 $387.14
EMPLOYEE + CHILD(REN) $152.50 $358.05 $123.67 $286.05
DEDUCTIBLE $850 Individual / $1,700 Family $1,350 Individual / $2,700 Family EMPLOYEE + FAMILY $277.84 $590.29 $216.55 $488.79
CO-PAY $30 Primary / $50 Specialist / $75 Urgent Care Use Health Savings Account (HSA). Pay up to *Please note Wellness Tier Rates have changed. *
FSA
100% of annual deductible; then 80/20 *Please note if you choose to participate in the Liberty plan you will be
coinsurance to Out-of-Pocket max. auto enrolled in an H.S.A. for the minimuim election amount of
$100.00. If you do not wish to be enrolled you will have to opt out
HOSPITAL Use Health Savings Account (HSA). Pay up to during the open enrollment period.
$200 Co-Pay + deductible + 80/20 coinsurance
CO-PAY 100% of annual deductible; then 80/20
coinsurance to Out-of-Pocket max. ABOUT SAVINGS ACCOUNTS
vs
( ) HSA
Co-Pays: 1st - 2nd visit = $250 per visit • The Liberty Plan has a Health Savings Account (HSA) to
EMERGENCY Use Health Savings Account (HSA). Pay up to allow you to save money for your health expenses.
100% of annual deductible; then 80/20
ROOM 6th or more - $500 per visit
DriveTime will match up to a certain amount and it will be
coinsurance to Out-of-Pocket max. fully-funded into your account at the beginning of the year!
Deductible+ 80/20 coinsurance is also applied for all visists • The Traditional Plan has a Flexible Spending Account
Co-Pays apply $10/$35/$60/20% (max $250) Use Health Savings Account (HSA). Pay up to 100% (Healthcare FSA) to allow you to save money for your
PRESCRIPTIONS Mail Order: $20/$70/$120 of annual deductible; then co-pays to health expenses. The full election amount will be funded
into your account at the beginning of the year!
Injectable Drugs: 10% Out-of-Pocket max.
Health Care FSA HSA
OUT-OF- Dependent Care FSA
$3,750 Individual / $7,500 Family (includes deductible) $2,600 Individual / $5,200 Family (includes deductible) Traditional Plan Only Liberty Plan Only
POCKET MAX
Child/Elder Care Expenses Only *Qualifying Healthcare *Qualifying Healthcare
PREVENTIVE 100% Covered 100% Covered NOT FOR HEALTH CARE EXPENSES Expenses Expenses
CARE (includes preventive health services specified in (includes preventive health services specified in Maximum Election: Maximum Election: Maximum Election:
the health care reform law) the health care reform law)
$5,000 $2,650 $3,500 / $7,000
DEPENDENT individual family
ELIGIBILITY Up to age 26 Up to age 26 Rolls over to next year
Does NOT rollover Does NOT rollover
DriveTime does NOT match DriveTime does NOT match DT matches $250 (indv.) / $500
LIFETIME (family)
Unlimited Employee contributions Total election available on first pay
MAX Unlimited Employee contributions funded on pay
funded on pay dates date
dates
Pre-tax deduction Pre-tax deduction
Pre-tax deduction
Provide receipts to Discovery Provide receipts to Discovery
Benefits and keep in case of audit Benefits and keep in case of audit Keep receipts in case of audit
*See IRS Publication 502: Medical & Dental for eligible expenses.
DRIVETIME BENEFITS OWNER’S MANUAL 2019 MedicalCoverageOverview 5 DRIVETIME BENEFITS OWNER’S MANUAL 2019 Medical Coverage Rates 6
DENTAL COVERAGE www.drivetimebenefits.com VISION PLAN www.drivetimebenefits.com
DID YOU KNOW?
VSP has a TruHearing Program, which
Three plans to choose from! - WHICH IS RIGHT FOR YOU? KEEPING YOUR EYES HEALTHY can provide you and your family
members with discounts of up to 50%
For a healthy smile, DriveTime offers dental coverage through MetLife. All three plans allow you to see any To help maintain your vision, DriveTime offers vision coverage through VSP. The plan allows you to see any eye doctor; on hearing aids. Sign up at
licensed dentist; however, you will save money by selecting an in-network MetLife dentist. however, you will save money by selecting an in-network VSP physician. vsp.truhearing.com.
DENTAL
COVERAGE VISION COVERAGE
PROVIDED BY PROVIDED BY
800-942-0854
www.metlife.com/dental 800-877-7195
Group #: 102860 www.vsp.com
Group #: 12139952
DENTAL PREMIUMS
STANDARD PLAN PREMIUMS PREMIER PLAN PREMIUMS
FULL-TIME STANDARD PLAN FULL-TIME ENHANCED PLAN FULL-TIME PREMIER PLAN PART-TIME & IC RATES
PART-TIME AND IC RATES EMPLOYEE $3.78 EMPLOYEE $6.34
EMPLOYEE $4.11 $4.19 $8.31 EMPLOYEE + SPOUSE $7.38 EMPLOYEE + SPOUSE $12.36
CAN BE VIEWED AT
EMPLOYEE + SPOUSE $10.46 $11.55 $20.28 $7.94
WWW.DRIVETIMEBENEFITS.COM EMPLOYEE + CHILD(REN) EMPLOYEE + CHILD(REN) $18.36
EMPLOYEE + CHILD(REN) $10.56 $12.60 $22.29 $8.43
EMPLOYEE + FAMILY $17.23 $21.01 $36.81 EMPLOYEE + FAMILY EMPLOYEE + FAMILY $19.50
*Same rates for full-time and part-time
DENTAL BENEFITS
VISION BENEFITS
STANDARD PLAN ENHANCED PLAN PREMIER PLAN
In-Network *Out-of-Network In & Out-of-Network In & Out-of-Network STANDARD PREMIER Out of Network
Preventive (Cleanings, 100% 80% 100% 100%
Exams, X-Rays, Composite 2 cleanings per year 2 cleanings per year 2 cleanings per year 4 cleanings per year COMPREHENSIVE EXAM $15 co-pay $15 co-pay
Fillings) Available every 12 months Available every 12 months
Up to $50
Deductible $50 Individual $75 Individual $50 Individual $50 Individual SINGLE VISION LENSES $15 co-pay $15 co-pay Up to $105
Available every 12 months Available every 12 months
$150 Family $225 Family $150 Family $150 Family
FRAMES $150 allowance ($80 at Costco) $200 allowance ($110 at Costco) Up to $50
Annual Maximum $1,500 $750 $1,750 $5,000 then 20% discount then 20% discount
Available every 24 months Available every 12 months
Basic (Fillings, Simple 80% 60% 80% 90% OR AND
Extractions, Endodontics,
Periodontics, Crown Repairs) CONTACTS $150 allowance for contacts ($60 $150 allowance for contacts ($60 Up to $70
co-pay) co-pay)
Major (Implants, Bridges, 50% 40% 50% 50% Available every 12 months Available every 12 months
Crowns, Dentures) LASER CORRECTION *If you go to an out-of-network provider, you
Average 15% discount only with Average 15% discount only with will be required to submit your expenses for
contracted facilities contracted facilities reimbursement.
Orthodontia 50% Child Only 50% Child Only 50% Child & Adult 50% Child & Adult
~ Lifetime Maximum $1,500 $750 $1,500 $2,000
*Mississippi, Texas and Georgia have legal restrictions that require that the coverage for in- and out-of-network be the same. The benefit is 80% for diagnostic and
preventative, 60% for basic services, and 40% for major services. Maximum annual benefit is $1,750.
DRIVETIME BENEFITS OWNER’S MANUAL 2019 Dental Plan 7 DRIVETIME BENEFITS OWNER’S MANUAL 2019 Vision Plan 8DISABILITY & LIFE INSURANCE www.drivetimebenefits.com RETIREMENT SAVINGS (401k) www.drivetimebenefits.com
BASIC LIFE INSURANCE - AT NO COST TO YOU! PARTICIPATE IN DRIVETIME’S 401K
Even if you do not enroll in any benefits with us, you are still provided the coverage. It is very important for you Financial reward doesn’t just happen, it takes years of planning to build a foundation that allows you to enjoy a good
to make your beneficiary elections via ADP Self-Service and add the names of the people or organizations for life during retirement. It also takes a commitment to saving money now during your active-working years. DriveTime
your wishes to be honored. We encourage all DriveTime employees to elect primary and secondary offers a 401(k) Retirement Savings Plan. Your contributions are deposited into your account before you pay taxes,
beneficiaries. saving you money.
LIFE INSURANCE
PROVIDED BY 401K PLAN
PROVIDED BY
800-890-4015
www.401k.com
Note: If already an existing employee and picking up
coverage for the first time during open enrollment you
will be subject to Evidence of Insurability (EOI).
LIFE INSURANCE 1x ANNUAL EARNINGS TO $50,000 MAXIMUM Time with VESTING SCHEDULE
company
A free policy courtesy of DriveTime for all employees
DRIVETIME
MATCHES! 0-11
0% Match Vested
SUPPLEMENTAL 5x ANNUAL EARNINGS UP TO $500,000 mos.
LIFE INSURANCE Maximum taken in increments of $10,000 / Guaranteed issue at first enrollment
DriveTime will match $0.40 on 5+
years
every dollar for the first 6% of
opportunity without need for evidence of insurability: $300,000 1 yr
the salary you contribute. 20% Match Vested DT Match Vested
SPOUSE LIFE COVERAGE AVAILABLE UP TO $100,000
100%
UPDATE ANYTIME 2 yrs 40% Match Vested
INSURANCE Must elect coverage to enroll / Cannot exceed one’s own election amount / May
elect coverage in $5,000 increments / Spouse guaranteed issue: $30,000 You may increase, decrease or
stop your contributions
anytime through Fidelity’s 3 yrs 60% Match Vested
DEPENDENT LIFE COVERAGE AVAILABLE UP TO $10,000 website.
INSURANCE One rate covers all children ( 6 mos. - 26 yrs. old) / Guaranteed issue: $10,000 / $5,000
policy rate is $0.23 per pay period / $10,000 policy rate is $0.46 per pay period. 4 yrs 80% Match
IT’S YOUR Vested
INVESTMENT
DISABILITY SHORT-TERM DISABILITY 5+ yrs
60% of salary to a max of $1,385 per week / 14-day waiting period before payments You have complete ownership of
begin (DriveTime pays for this policy if you purchase LTD). your contribution and earnings. If
you leave DriveTime, it all goes
LONG-TERM DISABILITY with you.
10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
60% of salary to a max of $6,000 per month
CORE PLAN: 5 year benefit duration
% Match Vested
BUY-UP: Buy-up option to Social Security Normal Retirement Age (65). by DT
DRIVETIME BENEFITS OWNER’S MANUAL 2019 Disability & Life Insurance 9 DRIVETIME BENEFITS OWNER’S MANUAL 2019 Disability & Life Insurance 10Note: If already an existing employee and picking up voluntary benefit coverage for the first time during
open enrollment you will be subject to Evidence of Insurability (EOI).
VOLUNTARY BENEFITS www.drivetimebenefits.com
www.drivetimebenefits.com
Hospital Indemnity, Critical Illness, and Accident Insurance
DRIVETIME BENEFITS OWNER’S MANUAL 2019 Voluntary Benefits 11 Voluntary Benefits 12HOW TO ENROLL IN BENEFITS www.drivetimebenefits.com HOW TO ENROLL IN BENEFITS (CONTINUED) www.drivetimebenefits.com
TO ENROLL LOGIN TO WWW.MYDTBENEFITS.COM STEP 4 YOUR BENEFITS ELECTION PAGE
All enrollments or changes to your benefits are completed online. All new hires have 30 days from their hire date to enroll. Follow
the instructions below to get started.
FOLLOW THE PROMPTS LEADING
STEP 1 LOGIN TO YOU THROUGH EACH OF YOUR
ENROLLMENT OPTIONS.
WWW.MYDTBENEFITS.COM
YOUR
Login using your employee ID . Your password is the last four BENEFITS
digits of your social security number followed by your six digit ELECTION
employee id number. PAGE
STEP 2 ACCESSING BENEFITS
After logging in on the home page, click on the tab called
“Manage My Benefits” at the top of the page.
From here you will be taken to a screen that says available
transactions.
ELECT & CONFIRM BENEFITS FOR 2019
STEP 3 ENROLLMENT PROCESS Make sure to click “Confirm Elections” at the end of the
page after reviewing all of your benefit elections. If you
Now you will start the enrollment process by clicking the START NOW do not confirm, your updates will not go into effect and
button found under available transactions 2019 OPEN ENROLLMENT. will result in no coverage!
2019 OPEN ENROLLMENT
MAKE SURE
YOU HAVE
COMPLETED
THE
CONFIRMATION
STEP!
CONTINUE ON NEXT PAGE
DRIVETIME BENEFITS OWNER’S MANUAL 2019 How to Enroll in Benefits 13 DRIVETIME BENEFITS OWNER’S MANUAL 2019 How to Enroll in Benefits 14YOUR WELLNESS PROGRAM www.drivetimebenefits.com
Earn points to save $ on your Medical Premiums
DriveTime’s Wellness Program is designed to help employees, including spouse (if enrolled), identify health risk factors
before they become serious health problems. To get started, you and your spouse (if enrolled) will need to complete steps to
earn points. Your discount is based on how many points you earn. If you cover a spouse, you each earn your own points for
the wellness program; your discount will be based on the lesser of the two amounts of points earned.
Your participation in this program is voluntary, but why not save money while taking care of your health?
Save up to $1,544.40 per year with employee only coverage, and up to $3,256.76 per year with family coverage.
START WITH THE FOLLOWING STEPS TO EARN YOUR FIRST 1,800 POINTS!
STEPS
NON- TOBACCO USER
POINTS EARNED
600
YOUR WELLNESS
DOCTOR’S OFFICE OR LAB 600 RESOURCES
ANNUAL PHYSICAL DOCTOR’S OFFICE 600 At DriveTime, we want to help you to be the best you can be, as we strive to be the
WELLTIME (ADURO) best company we can be. WellTime will make it easy and fun for you to challenge
Website: www.drivetime.mywellmetrics.com yourself, your health decisions, and provide you with the tools and support to
Phone: 855-864-0721 develop healthy habits, and earn points toward your wellness tiers and great
HOW DO YOU EARN POINTS FROM BIOMETRICS? Email: Support@AduroLife.com incentives while you are doing so.
BIOMETRIC CATEGORY VALUE TO PASS POINTS EARNED IF PASS/EXEMPT GUIDANCE RESOURCES Call Guidance Resources for help finding a doctor for your wellness visit or for
emotional health services. You and your family have access to a full range of
Glycohemoglobin A1c test: Phone: 866 799-2728
Blood Sugar (Glucose) emotional health services through an employee assistance program (EAP) and
300 Website: www.guidanceresources.com
6.2% or less mental health and substance abuse (MHSA) benefits.
(Web ID: DTEAP)
Body Mass Index (BMI) Less than 29.9 kg/m2 300
HEALTHY PREGNANCY The Healthy Pregnancy Program through United Healthcare provides health
Cholesterol 200 mm/dl or less or assessments, customized educational materials and maternity nurse support
Total/HDL 4.0 or less
300 PROGRAM (United Healthcare) throughout your pregnancy.
Phone: 888-246-7389
Blood Pressure (BP) 139/89 mm/Hg or less 300
Call the Cancer Resource Center to speak with nurses who specialize in cancer
CANCER RESOURCE CENTER treatment and can help you understand your cancer diagnosis or seek treatment.
WHAT ARE THE WELLNESS TIERS? (United Healthcare)
Phone: 800-842-5658
WELLNESS DISCOUNT PRESCRIPTION DRUGS Call Optum RX for more information on your prescription drug coverage through
WELLNESS BONUS! the DriveTime Medical Plan.
(United Healthcare)
Phone: 800-842-5658
3,000 + POINTS 3,500 + POINTS TELADOC (United Healthcare) If you ever feel sick and cannot meet with your primary healthcare doctor, call
Teladoc. Available 24/7/365 for no charge to employees and dependents covered
Phone: 800-835-2362 on DriveTime’s medical plan.
Medical rate discount! Earns you a $50 Amazon Gift Code!
DriveTime is a Tobacco-Free Workplace Want some extra motivation?
You can call ADURO if you’re enrolled in medical coverage to Participate in challenges on the WellTime site
PLEASE NOTE: 0-2,999 POINTS No discount on your medical rates help you quit smoking. DriveTime also offers DT’s Quit (www.drivetime.mywellmetrics.com) and you could earn a
Tobacco Reimbursement Program. $50 Amazon gift code!
DRIVETIME BENEFITS OWNER’S MANUAL 2019 Your Wellness Program 15 DRIVETIME BENEFITS OWNER’S MANUAL 2019 Your Wellness Resources 16PERSONAL TIME OFF & TUITION REIMBURSEMENT www.drivetimebenefits.com LEAVE OF ABSENCE www.drivetimebenefits.com
LEAVE OF ABSENCE WITH DRIVETIME
WORK / LIFE BALANCE IS IMPORTANT Our Leave of Absence Program is administered through the Leave Department. We handle Family Medical Leave Act
(FMLA), Personal Leaves of Absence (PLOA) and Americans with Disabilities (ADA) requests.
DriveTime knows you work hard at your job. That is why we offer personal time benefits to help enrich your life and
enjoy your time outside of work. PTO is accrued in hours per pay period by all active FullTime and PartTime employees. There are three different types of FMLA: continuous, intermittent and military. Generally, FMLA is 12 weeks or 480 hours of
Note:PartTime accrual rates can be found on the benefits website: www.drivetimebenefits.com. “job protection” with no pay.* If an employee has Short-Term Disability (STD) or Long-Term Disability (LTD), it may cover 60%
of pay after 14 days of their leave of absence.
PAID HOLIDAYS WHEN TO USE PTO *FMLA, PLOA and Military Leaves are unpaid. Employees will be required to use up to 40 hours of accrued PTO if available,
which will run concurrent with their leave time. Employees may not borrow PTO when on a leave.
New Year’s Day Labor Day PTO can be used for vacation, illness injury and/or ARE YOU ELIGIBLE FOR LEAVE?
Memorial Day Thanksgiving Day personal business. You begin accruing PTO upon your
date of hire. It may be taken as soon as it is accrued, TYPES OF LEAVE ELIGIBITLIY DEFINITION EXAMPLE
Independence Day Christmas Day
subject to approval by your manager.
CONTINUOUS FMLA Employed for at least 12 months Employee may take up to 12 weeks Birth of a child
or 1,250 hours per rolling 12 months
INTERMITTENT FMLA Employeed for at least 12 months Employee may take up to 480 hours of Migraines; employee is in and out
or 1,250 hours unpaid FMLA in 15 minute increments of work
FullTime PTO ACCRUAL RATES NON-CALIFORNIA
EMPLOYEES FullTime PTO ACCRUAL RATES CALIFORNIA
EMPLOYEES
PERSONAL LEAVE (PLOA) Employed full-time for at least Can take 6 weeks of leave with Personal issues
LENGTH OF SERVICE CLASSIFICATION PAID HOURS/ YEAR LENGTH OF SERVICE CLASSIFICATION SICK PTO VACATION PTO 6 consecutive months approval from regional-level manager
AMERICANS WITH All employees are eligible as of Substantially limits normal life functions Employee needs time beyond
LESS THAN 1 YEAR Hourly / Retail Sales 88 hrs LESS THAN 1 YEAR Hourly / Sales Advisor 1 hr earned 44 hrs DISABILITIES ACT (ADA) date of hire (walking, talking, etc.). FMLA for depression
for every
LESS THAN 1 YEAR Salaried 128 hrs LESS THAN 1 YEAR Salaried 30 hrs 84 hrs MILITARY LEAVE All employees are eligible as of Employees may take leave for the duration Military training
worked; date of hire of military training.
BETWEEN 1 & 3 YEARS All employees 136 hrs BETWEEN 1 & 3 YEARS All employees 92 hrs
capped at
48 hrs Spouses and family of service members are
BETWEEN 3 & 5 YEARS All employees 160 hrs BETWEEN 3 & 5 YEARS All employees 116 hrs FMLA runs on a rolling calendar schedule, meaning an eligible for leave under FMLA as well.
5 OR MORE YEARS All employees 192 hrs 5 OR MORE YEARS All employees 148 hrs NOTE: exact 12 month period of time (not a calendar year)
HOW TO REQUEST A LEAVE OF ABSENCE RETURNING TO WORK
Your annual PTO is “use-it-or-lose-it” meaning you cannot rollover your paid time off hours into the following year (except CA sick and vacation hours, subject to
the max carry over). See employee handbook regarding AZ paid sick leave law.
Email leave@drivetime.com When you return to work you will need to provide a doctor’s release
Include your reason for leave (such as your own or family member’s if your LOA was due to a health condition. This is different from the
health condition or if the reason is due to a work-related injury). LOA certification and can be written on a prescription pad.
Also include the first anticipated day of absence or whether the Fax the release to the Leave Department at 866-665-7197. You will
TUITION REIMBURSEMENT not be able to return to work without it.
request is for intermittent leave.
We encourage you to improve your performance and professional development. All regular full and part-time employees
who have completed 60 days of continuous service are eligible for assistance with tuition costs. The maximum
reimbursement of tuition and registration fees will be up to $5,250 per calendar year for a full-time employee and IF YOU ARE ELIGIBLE: The Leave department will notify you and send you the certification packet to be completed by a doctor.
$3,150 for a part-time employee.
MATERNITY AND BONDING PAID TIME OFF FOR EMPLOYEES WHO ARE EXPECTING
COMMUNITY COLLEGE ANY PASSING GRADE (A, B or C) = 100% REIMBURSEMENT DriveTime knows how important it is for parents to bond with their new baby. For this reason, we offer
the following paid bonding leave to employees with at least one year of employment as of the date their
UNIVERSITY A or B = 100% REIMBURSEMENT C = 80% REIMBURSEMENT leave begins.
Newborn Bonding Leave Pay: Both new mothers and new fathers who have at least one year of employment with DriveTime are eligible to receive one
week (5 consecutive days) of paid time off at their regular base rate of pay. Mother's Child Birth Recovery Leave Pay: New Mothers can receive paid
time off at their regular base rate of pay for the recovery from child birth (1 week at the regular base rate of pay, eligible to employees who have at least one
year of employment / 2 weeks at the regular
base rate of pay, eligible to employees who have ate least three years of employment)
DRIVETIME BENEFITS OWNER’S MANUAL 2019 Personal Time Off & Tuition Reimbursement 17 DRIVETIME BENEFITS OWNER’S MANUAL 2019 Leave of Absence 18CONTACT BENEFITS www.drivetimebenefits.com BENEFITS GLOSSARY OF TERMS www.drivetimebenefits.com
GENERAL INFORMATION Email: benefits@drivetime.com Phone: 888-781-5654, Option 1
DriveTime Benefits Department Website: www.drivetimebenefits.com COBRA Under certain circumstances, you (or your covered dependent) may continue health care coverage when it would otherwise end through the
Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) coverage. Please contact the Benefits Department for additional materials and
refer to the summary plan description regarding termination coverage.
MEDICAL PLANS Group # 709715 Website: www.myuhc.com
United Healthcare Phone: 800-842-5658 App: MyUHC COINSURANCE Coinsurance is similar to copayment, except it’s a percentage of costs you pay. For instance, you may pay 20% of the cost of a
$100 medical bill. So you would pay $20 and the health plan would pay the rest.
PRESCRIPTIONS Phone: 800-842-5658 Website: www.myuhc.com
CO-PAYMENT A co-payment is a fixed amount you’ll pay for a medical service after you’ve met your deductible. For example, after meeting your
Optum Rx Click on “Manage My Presciptions” deductible you may pay $25 for a visit to the doctor’s office that would cost $150 if you didn’t have coverage. The health plan pays the rest.
HEALTH SAVINGS ACCOUNT Phone: 800-791-9361 COST-SHARING Arrangements such as deductibles, co-payments, (or co-insurance) where you pay some of the cost of your health care and
the company pays a portion of your health care.
Optum Health Website: www.optumhealthbank.com
DEDUCTIBLE If you need medical care, a deductible is the amount you pay for care before the insurance company starts to pay its share. Once you meet
FLEXIBLE SAVINGS Phone: 866-451-3399 your deductible, your insurance company begins to cover some costs of your care. Many plans provide preventive services, and sometimes
other care, before you’ve met your deductible.
ACCOUNT Discovery Benefits Website: www.discoverybenefits.com
EXPLANATION OF BENEFITS The statement sent to you and your physician listing services received, amount billed and any payments made.
DENTAL PLAN Group # 102860 Website: ww.metlife.com/dental
Metlife Phone: 800-438-3688
FLEXIBLE SPENDING You can use to pay for copayments, deductibles, some drugs and other health care costs. FSAs are limited to $2500 per year.
A Flexible Spending Account is a special account you put money into that you use to pay for certain out-of-pocket health care
ACCOUNT costs. You don’t have to pay taxes on this money. This means you’ll save an amount equal to the taxes you would have paid on
VISION PLAN Group # 12139952 Website: www.vsp.com the money you set aside
Vision Service Plan Phone: 800-877-7195
IN-NETWORK A system of contracted physicians, hospitals and other health care professionals that provide health care to enrollees at lower
rates, negotiated by insurance carriers.
RETIREMENT SAVINGS Group # 83096 English: 800-890-4015
Fidelity Website: www.401k.com Spanish: 800-587-5282
NO YEARLY OR Health plans can’t put dollar limits on how much they will spend each year or over your lifetime to cover essential health benefits.
After you’ve reached your out-of-pocket maximum, your insurance company must pay for all of your covered medical care with
LIFETIME LIMITS no limit.
LIFE INSURANCE & DISABILITY Group # 102860 Website: ww.metlife.com/insurance
MetLife Phone: 800-438-3688
OUT-OF-NETWORK Coverage for treatment obtained from non-participating physicians or other health care professionals. With an out- of- network
physician, there are no network discounts and you will have more out- of- pocket expenses when compared to going to an in-
WELLNESS PROGRAM Phone: 855-864-0721 Fx: Email: support@adurolife.com
network physician.
ADURO Fax 866-877-7095 Website: drivetime.mywellmetrics.com
OUT-OF-POCKET This is the total amount you’ll have to pay if you get sick. For example, if your plan has a $3000 out-of-pocket maximum, once you pay
$3000 in deductibles, coinsurance, and copayments the plan will pay for any covered care above that amount for the rest of the year.
MAXIMUM
EMPLOYEE ASSISTANCE (EAP) Phone: 866 799-2728 Website: www.guidanceresources.com
WEB ID: DTEAP
Guidance Resources
PREVENTATIVE CARE Covers a set of preventive services like shots and screening tests at no cost to you.
TELEMEDICINE Phone: 800-835-2362
Teladoc Website: www.teladoc.com PRIVACY RIGHTS UNDER HEALTH INSURANCE HIPAA includes provisions that protect the privacy of health participants. These provisions, which
went into effect April of 2003, govern how covered entities such as health insurance companies
PORTABILITY & ACCOUNTABILITY ACT (HIPAA) and the plan sponsor must handle protected health information.. The company distributes HIPAA
Privacy Notices, in accordance with Federal Regulations. If you need to obtain a copy of the HIPAA
LEAVE (FMLA/ADA/PLOA) Fax: 866-665-7197 Email: leave@drivetime.com Privacy Notice, please contact Human Resources Benefits Department.
DriveTime Benefits Department Website: www.drivetimebenefits.com
DRIVETIME BENEFITS OWNER’S MANUAL 2019 Contact Benefits 1 DRIVETIME BENEFITS OWNER’S MANUAL 2019 Benefits Glossary 20FREQUENTLY ASKED QUESTIONS - FAQ
CONTACT BENEFITS www.drivetimebenefits.com
GENERAL INFORMATION benefits@drivetime.com Q1: ARE THE WELLNESS STEPS REQUIRED FOR MEDICAL COVERAGE ?
DriveTime Benefits Department www.drivetimebenefits.com A1: No,but they are required to earn your wellness discounts.
MEDICAL PLANS Group # 709715 www.myuhc.com
Q2: CAN I ADD A DEPENDENT TO MY COVERAGE DURING OPEN ENROLLMENT?
United Healthcare 800-842-5658
A2: Yes, you can add qualified dependents to your medical, dental or vision coverage during Open Enrollment. You will need to provide documentation showing
proof of relationship by 10/26/18. For more information about eligible dependents and what documentation is acceptable, please visit our website at:
PRESCRIPTIONS 800-842-5658 www.myuhc.com http://drivetimebenefits.com/overview/eligible-dependents.aspx.
Optum Rx Click on “Manage My Presciptions”
Q3: I KNOW I WON’T MEET ONE OR MORE OF THE BIOMETRIC REQUIREMENTS (BMI, BLOOD PRESSURE, CHOLESTEROL OR HBA1C), BUT I’VE BEEN
HEALTH SAVINGS ACCOUNT 800-791-9361 SEEING A DOCTOR FOR IT. CAN I GET CREDIT FOR THAT?
Optum Health www.optumhealthbank.com
A3: Yes, if your doctor is helping you manage a condition that prevents you from meeting the biometric requirements, they can fill out the Wellness Form along
with the Appeals Form located on www.drivetime.mywellmetrics.com Click on complete a health screening.
FLEXIBLE SAVINGS 866-451-3399
ACCOUNT Discovery Benefits www.discoverybenefits.com Q4: I COMPLETED MY WELLNESS FORM RECENTLY. DO I HAVE TO DO IT AGAIN?
A4: If you completed your Physical or biometric testing in 2018, you do not need to do that step again for your 2019 medical coverage. If you are unsure
DENTAL PLAN Group # 102860 www.metlife.com/dental whether you completed those steps, please log on to the WellTime website, drivetime.mywellmetrics.com ,click on my points and then point history, to view
Metlife 800-438-3688 your point totals.
VISION PLAN Q5: I DON’T HAVE A PRIMARY CARE DOCTOR, HOW DO I FIND ONE?
Group # 12139952 www.vsp.com
Vision Service Plan 800-877-7195 A5: Call United Healthcare’s at 800-842-5658. Log in to www.myuhc.com or download the Health4Me App to find a primary care doctor available in your area.
RETIREMENT SAVINGS Group # 83096 Eng: 800-890-4015 Spa: CONVENIENCE
Fidelity www.401k.com 800-587-5282
A6: We recommend you find a primary care doctor to establish a doctor/patient relationship. If you choose to go to an urgent care or convenience care clinic, you
need to confirm that they will complete the biometric testing, physical and complete the Wellness Form on your behalf. You will also be responsible for paying the
LIFE INSURANCE & DISABILITY Group # 102860 800-438-3688 additional cost for the visit.
www.metlife.com/insurance
MetLife
ENROLLMENT
WELLNESS PROGRAM Ph: 855-864-0721 Fx: support@adurolife.com
ADURO 866-877-7095 drivetime.mywellmetrics.com A7: New hires will need to elect Benefits twice. You will elect your New Hire Benefits for the remainder of 2019 (if applicable based on your date of hire)
and also elect your 2019 Open Enrollment benefits.
EMPLOYEE ASSISTANCE (EAP) Ph: 866 799-2728 www.guidanceresources.com WEB ID:
DTEAP
Guidance Resources Q8: HOW DO I KNOW IF BENEFITS HAVE BEEN CONFIRMED OR IF MY WELLNESS FORM HAS BEEN RECEIVED?
A8: Please log onto the WellTime site, drivetime.mywellmetics.com, to see if your wellness information has been received. For point discrepancies,
TELEMEDICINE 800-835-2362 please reach out to support@adurolife.com. For benefit confirmation , once you complete your benefit enrollment print and email your confirmation to
Teladoc www.teladoc.com yourself. If you are adding a dependent for the first time, contact the enrollment center 72 hours after document submission by phone 855-430-4558.
LEAVE (FMLA/ADA/PLOA) Fx: 866-665-7197 leave@drivetime.com www.drivetimebenefits.com
DriveTime Benefits Department www.drivetimebenefits.com
DRIVETIME BENEFITS OWNER’S MANUAL 2017 Contact BenefitsYou can also read
