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You
can find answers to commonly asked questions about Hunter
Douglas benefits here. Click on the links to the benefits
categories below to find specific questions and answers about
each of these benefits.
Medical
and Dental Care
Vision
Care
Flexible
Spending Accounts (FSAs)
Life
and Accident Insurance
Lifestyle
Benefits
401(k)
Savings Plan
Retirement
Plan
If
you have a question about Hunter Douglas benefits that isn’t
answered here, or somewhere else in this site, contact your
Human
Resource Manager.
Medical
and Dental Care
My
HMO will not be offered in 2001. Does this mean I’ll
have to change doctors?
The HMO marketplace has seen some change and consolidation in
recent years. As a result, many doctors participate in a number
of plan networks, so you may not have to change doctors even
if you’re changing to a new HMO. To find out if your
current doctor participates in the HMO you are considering,
contact your doctor directly or contact the HMO’s Member
Services department by phone or online.
If
your doctor does not participate in the HMO you are considering,
you will have to change doctors to receive in-network care.
If
I select medical coverage for myself and my family, do I have
to select dental coverage also?
No.
You may elect medical coverage only, dental coverage only,
both medical and dental coverage or no coverage under either
plan. However, if you do elect both medical and dental coverage,
you must select the same coverage level for both plans (i.e.,
Employee, Employee + 1 or Employee + Family).
Why
are we changing from CIGNA to Aetna for dental coverage for
2001?
We
made this change to continue to provide our employees access
to quality dental care coverage at the best value. Aetna’s
dental plans offer Hunter Douglas a number of advantages,
including a broader network of providers and more cost-effective
coverage.
Will
the 2001 dental plan change mean that I have to find a new
dentist?
Your
dentist may participate in a number of plan networks. To find
out if your current dentist participates in the Aetna dental
plan you are considering, contact your dentist, or contact
Aetna directly. If your current dentist does not participate
in one of the Aetna dental plans, you will have to change
dentists to receive in-network benefits. If you enroll in
Aetna’s Preferred Provider Organization (PPO), you may
use your current dentist, even if your dentist is not in the
network, but you will receive out-of-network benefits.
How
do I find a network dentist in the Aetna DMO® Plan?
Aetna’s
dental provider directory will assist you in finding a participating
dentist. To obtain a copy, contact your Human
Resource Manager.
How
do I find a preferred dental care provider in the Aetna Preferred
Provider Organization (PPO)?
Aetna’s
dental provider directory will assist you in finding a participating
dentist. To obtain a copy, contact your Human
Resource Manager.
Vision
Care
When
can I enroll in vision care coverage?
Enrollment
in the vision plan occurs only once every two years. If you
did not enroll in vision coverage during the last open enrollment
period (November 6 -17, 2000), you will not be able to enroll
again until fall, 2002.
Does
the Vision Service Plan (VSP) cover laser surgery?
Yes.
VSP can save participating Hunter Douglas employees an average
of 20-25% on laser surgery performed at VSP-approved vision
centers. Both LASIK and PRK surgeries are covered.
Flexible
Spending Accounts (FSAs)
Why
are we changing FSA providers in 2001?
We
changed to Ceridian so that employees could enjoy valuable
additional FSA features, such as direct deposit of Health
Care and Dependent Care reimbursement checks, and direct payment
to dependent care providers.
How
does the new FSA direct deposit feature work?
The
direct deposit feature applies to the Health Care and Dependent
Care FSA. When you authorize Ceridian to deposit your health
care reimbursements directly into your bank account, you decide
which checking or savings account you wish to use. Then, instead
of receiving a check in the mail when you submit a claim for
reimbursement, your payment will be credited to your bank
account. Be sure to complete the appropriate section of the
FSA enrollment form if you want to participate in the direct
deposit feature, and enclose a voided check.
How
does the new FSA direct payment feature work?
The
direct payment feature applies to the Dependent Care FSA.
You may authorize Ceridian to pay your dependent care provider
directly from your Dependent Care FSA. So, instead of paying
your provider each week or month and then submitting a reimbursement
form, your provider will automatically receive the amount
you specify at the interval you choose (i.e. weekly, monthly).
The amount will be deducted from your Dependent Care FSA automatically.
Be sure to complete the appropriate section of the FSA enrollment
form if you want to participate in the direct payment feature.
How
can I find out what expenses can be paid by an FSA?
The
Health Care FSA can be used to pay for qualifying medical,
dental, and vision care expenses, including plan deductibles
and co-payments, coinsurance, prescription drugs, orthodontia,
eyeglass lenses or frames and contact lenses. You can also
be reimbursed for certain alternative treatments like acupuncture
and weight loss programs prescribed by a doctor.
The
Dependent Care FSA can be used to pay for dependent care services
that make it possible for you, and your spouse if you are
married, to work. This includes charges for services provided
inside or outside your home or at a child care or dependent
care center.
For
a more detailed list of eligible expenses, contact yourHuman
Resource Manager
and request a copy of Ceridian’s FSA brochure.
What
happens if I am participating in an FSA and my employment
with Hunter Douglas ends?
If
you are participating in the Health Care FSA, you will only
be reimbursed for eligible health care expenses incurred during
your employment with Hunter Douglas, unless you elect to continue
your Health Care FSA coverage through COBRA. You may elect
to continue contributing on an after-tax basis through COBRA
only until the end of the plan year in which you terminate.
You may not change your contribution amount. If you continue
your Health Care FSA coverage through COBRA, you will continue
to be eligible for reimbursement of eligible expenses incurred
while that coverage remains in effect, up to the annual amount
you have elected to contribute to your Health Care FSA through
the end of the calendar year in which you terminate.
If
you are participating in the Dependent Care FSA, you will
be reimbursed for eligible dependent care expenses incurred
during the plan year, up to the balance in your account when
you terminate, regardless of when during that year your employment
with Hunter Douglas ends. You cannot elect a Dependent Care
FSA under COBRA and you can no longer contribute after your
employment ends.
Life
and Accident Insurance
How much life
insurance can I elect through Hunter Douglas?
Hunter
Douglas will provide you with Employee Life Insurance coverage
of one times your annual pay (up to a maximum of $350,000)
at no cost to you if you are enrolled in medical coverage.
You can elect additional Supplemental Life Insurance coverage
of one to four times your basic annual pay (up to a maximum
of $500,000).
What
happens to my life and accident insurance if I leave Hunter
Douglas?
If
your employment with Hunter Douglas is terminated, you can
convert your group life and accident insurance into individual
policies by contacting the insurance provider directly. Keep
in mind that individual coverage is often more expensive than
group coverage and you will be responsible for the entire
cost of this coverage.
How
do my dependents elect a beneficiary for their Dependent Life
Insurance coverage?
You
will automatically be the beneficiary for any Dependent Life
Insurance you elect. Your dependents cannot designate other
beneficiaries.
Lifestyle
Benefits
What
do you mean by "competitive group rates" for Lifestyle
Benefits?
Group
insurance rates are usually lower than individual insurance
rates because of the group’s greater buying power. Because
Hunter Douglas can give employees the opportunity to enroll
in many of the Lifestyle Benefits at group rates, employees
pay much less than they would pay as individuals. Remember,
you will pay the full premium cost of these Lifestyle Benefits
and can have these premiums deducted from your paycheck on
an after-tax basis.
May
I enroll in one or two Lifestyle Benefits, or do I have to
choose all of them?
You
can enroll in one or more of the Lifestyle Benefits, in any
combination, or none at all. Keep in mind that you will pay
the full premium cost of these benefits and that you will
not have another chance to enroll in either long-term care
insurance (unless you are a newly eligible employee) or the
Hyatt Prepaid Legal Plan until fall, 2001. You can enroll
in any of the other Lifestyle Benefits, however, at any time
during the 2001 plan year.
How
do I enroll in one or more Lifestyle Benefits?
You
can enroll in the Lifestyle Benefits in a variety of ways,
depending on the benefit.
If
I elect to enroll in one or more Lifestyle Benefits, how do
I pay for premiums?
As
an active employee, you can pay for these options in a number
of ways, including payroll deductions made on an after-tax
basis, direct billing, automatic bank account draft, and credit
card debits. The majority of our employees, however, find
that payroll deductions are the most convenient method.
What
is the role of RealLife Benefits in the Lifestyle Benefits
program?
RealLife
Benefits brings together employers and the providers of employee
Lifestyle Benefits. RealLife Benefits assists Hunter Douglas
in administering all the Lifestyle Benefits except the Hyatt
Prepaid Legal Plan, and provides employees with benefits-related
customer service assistance. Beginning January 1, 2001, you
can get answers to your questions about Lifestyle Benefits
by calling RealLife Benefits at 1-877-469-2363 or by visiting
their Douglas-dedicated Web site at www.reallifebenefits.com
.
What
is the difference between pet insurance and the pet owner
savings program?
Pet
insurance is available for dogs and cats only. It covers veterinary
prescriptions, lab fees, x-rays, and veterinary services such
as surgery and hospitalization for covered medical conditions.
The pet owner savings program is available for all pets. It
provides discounts to pet owners on veterinary care and a
variety of pet-related products and services. (See questions
immediately following for more information.)
What
does pet insurance cover?
Pet
insurance is provided by Veterinary Pet Insurance. It covers
your dog or cat for covered services performed by any veterinarian
worldwide. Your policy covers prescriptions, lab fees, x-rays,
surgery, and hospitalization for your pet; optional vaccination
and routine care coverage are also available. Coverage also
includes ultrasound, MRI, and CAT scans, chemotherapy radiation,
tumor removal, organ transplants, pacemaker, and sophisticated
diagnosis.
A
pet ID Tag with a Lost and Found Registry is provided to help
reunite you and a lost pet; the tag provides instant verification
to practicing veterinarians that your pet is covered for emergency
medical care. No physical exam is required for your pet to
be enrolled.
What
does the pet owner savings program cover?
The
pet owner savings program is provided by Pet Assure, an organization
endorsed by the American Society for the Prevention of Cruelty
to Animals (ASPCA). Through a network of participating providers,
pet owners receive discounts of 25-50% on a wide variety of
pet services and supplies, including veterinary care, pet
food and supplies, grooming, training, and boarding.
A
24-hour Pet Locator and Recovery Service is available to help
you find a lost pet. Under the Pet Assure plan, there are
no exclusions or age and health restrictions for pets; however,
animals for commercial use, such as guard dogs, are excluded.
Who
can I enroll in long-term care? For example, can my mother-in-law
enroll?
Yes.
Employees, their spouses, their parents, their grandparents
and their in-laws can enroll in long-term care coverage. There
are evidence of good health requirements for anyone other
than yourself. Premiums for this coverage will depend on the
age of the person you want to enroll.
When
does payment of long-term care benefits begin?
Long-term
care coverage generally begins to pay benefits when the person
insured needs assistance with at least two of the following:
bathing, dressing, feeding, transferring, toileting, or continence,
or if the insured has severe cognitive impairment.
Is
long-term care coverage available to people who live in another
state for part of the year? My parents spend the winter in
Florida.
Yes,
coverage is fully portable anywhere in the United States.
What
does the long-term care plan cover?
Long-term
care insurance can help with nursing home or assisted living
facility costs or home health care, including caregiver training,
home modification and supportive equipment.
Note:
The plan begins paying benefits only if the person
enrolled in the plan needs assistance with at least two of
the following: bathing, dressing, feeding, transferring, toileting,
or continence, or if the insured has severe cognitive impairment.
What
kind of loans can I get through the mortgage and home equity
loan plan?
The
plan is provided by the Prism Mortgage Company, and is designed
to simplify, streamline, and uncomplicate the home financing
process for employees. The plan offers you an opportunity
to apply for a variety of mortgage products at competitive
group rates, including home purchase loans, refinancing, and
other mortgage-related services.
Prism’s
services include instant rate quotes, pre-qualification and
pre-application programs, fixed and adjustable rate mortgages,
FHA/VA loans, and a community homebuyer program for low and
moderate income borrowers. Prism financial products also include
loans for investment properties and second homes, home equity
loans and lines of credit, fixed second mortgage loans, and
low- and no-down payment loans. Loans are also available for
borrowers with difficult credit histories.
Note:
You must apply for financial products available through
the Prism Mortgage Company, and your employment with Hunter
Douglas does not guarantee that your loan application will
be accepted. Hunter Douglas does not endorse Prism Mortgage
financial products. Employees must shop for financial products
and other Lifestyle Benefits on their personal time.
What
emergency services does the Roadside Assistance plan offer?
The
Roadgard roadside assistance plan is provided through the
Assurant Group, and provides motorist aid services in the
event you are stranded in your car, plus personal protection,
legal defense, and trip planning benefits. The plan includes
24-hour a day, 365-days a year emergency road service anywhere
in the U.S. and Canada, expense money if you’re involved
in an accident more than 50 miles from home, emergency locksmith
service, $50 ambulance assistance benefit, $100 towing benefit
(up to four times a year), and a toll-free phone number to
contact dispatch service.
Roadgard
provides you with a reimbursement benefit for lost or stolen
property and a reward benefit for hit-and-run and stolen vehicle
arrests and convictions. It also provides you with a reimbursement
benefit for attorney’s fees (some limitations/restrictions
apply), and bail bond reimbursement up to $5,000 (not available
in Virginia). Finally, if you’re planning a trip, the
plan provides discounts of up to 50% on selected hotels and
motels, plus discounts on dining throughout the nation.
How
does the home security plan work?
This
plan gives you an opportunity to buy electronic home security
equipment and monitoring services through ADT Security Services.
ADT authorized dealers will install a standard security system
free with the purchase of a 36-month monitoring agreement
(standard system is limited to keypad, two door/window sensors,
indoor motion sensor and siren, and lawn sign and window decals;
additional equipment extra).
What
does "prepaid" legal coverage mean?
If
you enroll in the Hyatt Prepaid Legal Plan, your premium payment
allows you to receive a certain level of legal consultation
with a member attorney at no additional cost. If you need
more extensive or specialized legal assistance, you will receive
a written estimate of the additional expense so that you can
decide whether to proceed.
How
do I get a lawyer when I need one in an emergency?
When
you need a lawyer, call Hyatt Prepaid Legal Plans directly
and a representative will help you find a member attorney
to assist you.
I’ve
already enrolled in auto insurance through the Freedom Advantage
program from Hanover Insurance. Do I have to enroll again
during open enrollment?
If
you already have an auto or homeowners policy through the
Freedom Advantage program provided by the Hanover Insurance
Company, your insurance will stay in effect according to the
terms of your policy. Please note that you may enroll in auto
or homeowners insurance at any time during the year, not just
during open enrollment.
Retirement
Plan
I plan to retire in a
few years and I'd like to know how much money I'll be receiving from Social
Security. Is there an easy way to find out?
Yes. Call Social Security toll-free at 1-800-772-1213, or visit the nearest
Social Security office to obtain the Personal Earnings and Benefits Estimate
Statement. Complete and return the form. They'll mail you a yearly breakdown
of salary credited to you since 1980 and an estimate of benefits that you'll
receive upon retirement.
I've heard people
talk about "vesting". What does this mean, and how does it affect my
participation in this Plan?
Being "vested" in the Plan means that you have a full right to your retirement
benefit, even if you leave the Company before you retire. It also means that
if you die, your spouse or beneficiary has a full right to your accrued retirement
benefit, even if your death occurs before you retire or after you leave the
Company.
Will I be required
to pay taxes on the money that I receive from this Plan?
Retirement benefits are considered as regular income for tax purposes. You will
have to pay both federal and state income taxes on the money that you receive
from the Plan.
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