Complete Risk Management Insurance Assignment

CHART YOUR

COURSE YOUR 2018 BENEFITS

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

NEXT PAGE

continued...

H IG

H LI

G H

TS F

O R

20 18

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

NEXT PAGE

1

MEDICAL COVERAGE HIGHLIGHTS

We are pleased to announce the addition of a fourth health plan to our already comprehensive health plan options. The Bryant University Value Plan combines the more affordable premiums of a deductible plan while still providing some of the benefits of the Premium and Base plans, such as flat copays for office visits and prescription drugs.

Detailed information about all four of our plans (High Deductible, Value, Base and Premium) can be found on pages 6-8 of this guide. We encourage employees to explore all options in order to chose the option that is right for them.

Did you know? All four of our plans offer a $5.00 discount on the Primary Care copay for visits to providers who are part of a Patient Centered Medical Home (PCMH). To find out more about the PCMH concept and to find a participating provider, please see the PCMH flyer.

DENTAL COVERAGE HIGHLIGHTS

Delta Dental will be issuing new ID cards during the first week of January to reflect their PPO Plus Premier network. There is no change in coverage or ID number. You may continue to use your existing Delta Dental cards until your new card arrives.

HEALTH SAVINGS ACCOUNT HIGHLIGHTS

The IRS has increased the maximum amount you can contribute to your Health Savings Account (HSA) to $6,900.00 for family and $3,450.00 for employee only for 2018. Please note that this amount is a combined employer/employee contribution limit. Employees over age 55 can contribute an additional $1,000.00. Please see page 6 for more details on the HSA.

FLEXIBLE SPENDING ACCOUNT HIGHLIGHTS

The IRS has increased the maximum amount you can contribute to your Medical Flexible Spending Account (FSA) to $2,650.00 for 2018. Please see pages10 and 11 for more details on the FSA.

WELLNESS PROGRAM HIGHLIGHTS

The Good Cent$ Wellness Program is an incentive program designed to reward Blue Cross Blue Shield of RI (BCBSRI) members who adopt and maintain healthy behaviors as a way of life. An annual physical and participation in predetermined wellness programs and screenings allows eligible members to receive a $300 annual discount on their 2018 annual premium co-shares. In addition, employees whose spouse/domestic partner has an annual physical and completes the online health assessment will be eligible for an additional one-time $100.00 credit. For detailed information about the wellness program, please see the Good Cent$ Wellness flyer.

continued...

IMPORTANT NOTE: This benefits guide describes the highlights of select benefits at Bryant University in general, non- technical language. It is not intended to provide a complete plan description. If there is any difference between the information in this guide and the plan document, the plan document will govern. Bryant University reserves the right to modify, amend or terminate the plans at any time subject to applicable law.H

IG H

LI G

H TS

F O

R 20

18

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

2

NEXT PAGE

VOLUNTARY RETIREMENT PLAN CONTRIBUTIONS

We are pleased to remind our employees of the opportunity to make salary deferral contributions under the Bryant University 403(b) Plan (the “403(b) Retirement Plan”). To learn more about the eligibility provisions of the 403(b) Retirement Plan, please see the Summary Plan Description.

Salary deferral contributions may be made to the 403(b) Retirement Plan in an amount not to exceed the dollar amount permitted under the Internal Revenue Code for the year. The amount you are permitted to defer under the 403(b) Retirement Plan is reduced by any salary deferrals you may contribute to certain other retirement plans during the year. The IRS has increased the limits for 2018 by $500.00:

Under Age 50: $18,500 Over Age 50: $24,500

If you would like to make a change in your contribution, please visit the Retirement@Work portal. Within the portal, you can access plan balances, calculate maximum contributions, make plan elections and explore retirement savings tools.

BENEFICIARY UPDATES

Have you had a life change that requires you to rethink beneficiaries? To update your retirement plan beneficiaries, please contact your retirement plan provider - TIAA or Fidelity Investments. To update your life insurance beneficiaries, please visit the Human Resources Office.

TABLE OF CONTENTS BENEFITS FAIR You will have an opportunity to meet with most benefit providers during the annual Benefits Fair which will be held on Wednesday, November 8 from 9:00 AM – 2:00 PM in the Rotunda.

OPEN ENROLLMENT ASSISTANCE SESSIONS If you need assistance with your online enrollment, Human Resources is offering the following sessions:

These are drop in sessions

INFORMATION TABLES AND RESOURCES TOPIC WHEN WHERE

General Benefits Information Outside Gulski

General Benefits Information Wednesday, November 8 9:00 AM – 2:00 PM Outside Gulski Benefits Fair

General Benefits Information Tuesday, November 21

11:00 AM – 1:00 PM Outside Gulski

NEXT PAGE

3

TABLE OF CONTENTS

NEXT PAGE

3

TABLE OF CONTENTS

2018 HIGHLIGHTS BENEFITS

ENROLLMENT MEDICAL HSA DENTAL FSA OTHER

INSURANCE BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

* TUESDAY, NOVEMBER 7, 9:00 A.M. - 11:00 AM (Room 367) * WEDNESDAY, NOVEMBER 15, 2:00 P.M. - 4:00 PM (Room 368) * MONDAY, NOVEMBER 27, 9:00 A.M. - 12:00 P.M. (M32) * FRIDAY, December 1, 2:00 P.M. - 4:00 P.M (M32)

Friday, November 3 10:00 AM – 1:00 PM

BENEFITS ENROLLMENT FOR 2018 Please take some time to review the following materials regarding the benefits offered to you through Bryant University.

BENEFITS COVERAGES AVAILABLE • Medical Plans

• Dental Plans

• Medical Flexible Spending Account (FSA)

• Dependent Care Flexible Spending Account (FSA)

• Long-Term Disability Insurance

• Group Life Insurance

• Voluntary Additional Life Insurance

• Voluntary Spousal/Dependent Life Insurance

• MetLife Accident Protection Plan

• MetLife Critical Illness Plan

• Vision Care Plan

• CollegeBound Saver 529 Plan

• MetLaw (Group Legal)

• Pet Insurance

WHO’S ELIGIBLE? • Employees who work at least 1,000 hours per calendar year are considered eligible for most benefits. Employees must be scheduled to work at least 1,460 hours annually to

meet the eligibility criteria for Long-Term Disability insurance coverage.

Eligible Dependents:

• Eligible dependents include your spouse, children up to age 26 (see specific Medical and Dental offerings for age limits and qualifications), and children of any age who are medically certified as mentally or physically disabled. The University also provides Medical and Dental coverage to qualified domestic partners or spousal equivalents.

IN PREPARING FOR BENEFITS ENROLLMENT, KEEP THESE POINTS IN MIND • Be sure to include all eligible dependents you wish to cover, along with their Social Security numbers.

• Review your beneficiary designations on your Life insurance and/or Retirement plans on an annual basis to ensure that your beneficiary designations are consistent with any life changes (marriage, divorce, new child, death of a beneficiary, etc.).

Due to IRS enrollment rules applying to those benefits paid for with pre-tax dollars (these are noted with an * in this guide), you must elect these coverages now, and once enrolled you cannot make any changes until the next Open Enrollment period unless you experience a “qualified change in family status” as defined by the IRS. A change in status generally means: • Marriage or divorce;

• The birth or adoption of a child;

• The death of a dependent; or,

• A change in your employment status or that of your spouse (i.e., part-time to full-time, etc.).

IMPORTANT NOTE: If you do not complete the electronic enrollment, you will be unable to participate in Medical insurance, Dental insurance and the Flexible Spending Accounts until the following plan year.

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

4

NEXT PAGE

BRYANT UNIVERSITY HDHP WITH HEALTH SAVINGS ACCOUNT PLAN BENEFITS IN-NETWORK OUT-OF-NETWORK

Annual Deductible $1,500 individual $3,000 family $3,000 individual

$6,000 family

Out-of-Pocket Maximum $3,000 individual $6,000 family $5,000 individual

$10,000 family

Preventive Services Covered in full 80% after deductible

Bryant University HSA Contribution $500 individual/$1,000 family

Hospital Inpatient 100% after deductible 80% after deductible

Hospital Outpatient 100% after deductible 80% after deductible

High-Tech Imaging 100% after deductible 80% after deductible

Emergency Room Annual deductible applies, then $100 copay

PCP Office Visits Annual deductible applies, then $20 copay 80% after deductible

PCP Office Visits (PCMH Physician)

Annual deductible applies, then $15 copay 80% after deductible

Specialist Office Visits Annual deductible applies, then $30 copay 80% after deductible

Retail Prescription Drugs Generic / Preferred Brand / Non-Preferred Brand

Annual deductible applies, then $5 / $25 / $50 copay

Mail Order Prescription Drugs Generic / Preferred Brand / Non-Preferred Brand

Annual deductible applies, then $12.50 / $62.50 / $125 copay

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

5

MEDICAL Maintaining your good health (and that of your family) is a primary concern not only for you, but also for the University. To address this concern, we are pleased to offer a health care benefits program with quality choices that allows you to select the best health care plan for you and your family. Bryant University’s health plans are considered to have a non-grandfathered status under the guidelines set forth by the Affordable Care Act (ACA).

Bryant University offers the following medical choices:

• Bryant University High Deductible Health Plan (HDHP)

• Bryant University Value Plan

• Bryant University Base Plan

• Bryant University Premium Plan

The lower-premium, High Deductible Health Plan (HDHP) is offered in conjunction with a Health Savings Account (HSA). The HSA can be used to help pay for eligible medical expenses, and when you reach age 65, the account can be used to pay for retiree health expenses tax-free.

With the HDHP, you must reach your annual deductible before the plan begins to pay for your medical services. Unlike the current Bryant plans, the deductible applies to prescription drugs as well. Your HSA funds can be used to pay for doctor’s visits or prescription drugs at the pharmacy.

Special Features of the Bryant HDHP

• Preventive Care is covered at 100%.

• Bryant contributions to your HSA: If you are enrolled as of January 1, 2018, Bryant will contribute $500 to your HSA if you have individual coverage and $1,000 to your HSA if you have family or employee plus child(ren) coverage. This money is not taxed, can be used to pay for your health-related expenses, and can carry over from year to year if you do not use it. The funds remain yours even if you leave Bryant. New hires or employees who elect the HDHP/ HSA after 1/1/2018 will receive a pro-rated amount of the Bryant contribution based on coverage start date.

• Access to the same doctors and networks: Bryant’s HDHP is offered through BCBSRI, providing access to the same doctors and networks that are part of Bryant’s other health plans options.

NEXT PAGE

*

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

6

HEALTH SAVINGS ACCOUNT* BCBSRI partners with London Health Administrators for the administration of the Health Savings Account (HSA). An HSA is a triple-tax advantaged account which allows you to save money that you can then use to pay for qualified Medical, Dental and Vision expenses. This means that your contributions, interest accruals and withdrawals are all made on a tax-free basis. The HSA is only available to employees who enroll in the High Deductible Health Plan. Money in the HSA can be used to pay expenses that are subject to the deductible under that plan, in addition to non-covered expenses.

Bryant University will contribute $500 to your HSA if you have individual coverage and $1,000 to your HSA if you have family or employee plus child(ren) coverage. These amounts will be prorated, based on coverage start date, for employees hired or who elect coverage after 1/1/2018. You may contribute additional monies, up to the annual IRS limits. Limits for 2018 are $3,450 for an individual and $6,900 for a family, and include both the employer and employee contribution. Employees over age 55 may make an additional $1,000 catch-up contribution. HSA elections can be made using the HSA Enrollment Form.

Please note that employees who participate in other Health Insurance plans, including Medicare, are not eligible to participate in an HSA. Also, if you had an Flexible Spending Account (FSA) in 2017, and wish to enroll in the HSA for 2018, you must spend all FSA dollars prior to the end of 2017. The IRS does not allow you to spend FSA dollars and HSA dollars in the same calendar year.

Unlike the FSA fund, HSA funds rollover from year to year and, if you leave the University or retire, the account remains with you. The money in the account also incurs interest, and once funds reach $2,500 you may choose to invest your funds in a variety of mutual funds offered by London Health Administrators.

Once your HSA is established, you will receive a debit card that you can use to pay for medical expenses from your account, either at the point-of- service or as a credit card to pay a provider’s bill. You will be able to manage your HSA on-line by going to www.bcbsri.com. From this site, you can access your medical claims, pay medical bills on-line and order checks or a replacement debit card.

NEXT PAGE

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

7

MEDICAL continued...

The following health care comparison chart highlights some of the distinguishing features of each plan. For detailed information on each plan, please see the Summary of Benefits and Coverage, by clicking on the plan name below.

All of Bryant’s plans focus on preventive care, protect you wherever you live, work, or travel, and allow you to make appointments with the specialists you choose. A Primary Care Physician (PCP) is not required, nor do you need a referral to see a specialist.

The network is a nationwide network comprised of more than 6,100 hospitals and nearly 740,000 physicians. For a listing of doctors, please visit the Blue Cross Blue Shield website at https://www.bcbsri.com/BCBSRIWeb/Login.do.

WHICH OPTION IS RIGHT FOR YOU? In making your medical election, it will be important for you to consider several factors:

• A comparison in the differences in plan design; • Your contribution toward these plans; and

• Your and/or your family’s health care usage. The Health Plan Selection Tool can help to analyze and evaluate your health care needs. This tool allows you to project usage and will show you total costs for each of our health care options.

NEXT PAGE

Employees who are enrolled in a Bryant group health plan will receive their prescription coverage through a separate plan administered by OptumRx. No additional election is required. Your pharmacy coverage will follow whatever health plan choice you have made, HDHP, Value, Base or Premium.

For detailed information about the pharmacy benefits linked to each health plan, please review the Medical Summary comparison above.

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

8

EMPLOYEE CONTRIBUTION SCHEDULE If you were to elect one of the Bryant University medical plan options your cost, on a pay period basis, would be as follows:

Employees who complete the required wellness program and have registered their information in the Blue Cross Blue Shield RI Wellness Portal are eligible for a $300 annual discount. This amount will be allocated on a pay period basis throughout 2018. In addition, a one-time incentive credit of $100.00 (payable in the February 2018 paycheck) is offered for a spouse/domestic partner completion of the annual physical/health assessment requirement.

NEXT PAGE

SUMMARY OF COVERED SERVICES

PLAN PAYS

BASIC EXPANDED

Calendar Year Maximum $1,200 $2,000

Preventive/Diagnostic Services

Cleanings (2/year)

Oral Exams by general dentist (1/year for Basic, 2/year for Expanded)

Fluoride Treatment (1/year)

X-rays

100%

100%

100% 100%

100%

100%

100% 100%

Minor Restorative Services

Palliative Treatment

Sealants

Fillings

Simple Extractions

Denture Repairs Biopsies

Single Root Canals

Endodontics

Oral Surgery/Anesthesia

Space Maintainers

100%

80%

80%

80%

80%

80%

80%

80%

80%

80%

100%

80%

80%

80%

80%

80%

80%

80%

80%

80%

Major Restorative Services

Periodontic Cleanings

Periodontic Surgery

Crowns Prosthodontics

Single Implants

50% 50%

50%

50%

0%

100%* 80%*

50%

50%

50%

Orthodontics (coverage for dependents under age 19 only)

Lifetime Maximum

50%

$1,200

50%

$2,000

*It is important to obtain pre-authorization and confirm coverage for these services from Delta Dental prior to receiving services.

BASIC EXPANDED

EMPLOYEE ONLY

EMPLOYEE + CHILD(REN) FAMILY

EMPLOYEE ONLY

EMPLOYEE + CHILD(REN) FAMILY

MONTHLY $7.44 $21.00 $24.71 $11.15 $35.60 $41.88

BI-WEEKLY $3.43 $9.69 $11.40 $5.15 $16.43 $19.33

WEEKLY $1.72 $4.85 $5.70 $2.57 $8.22 $9.66

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

DENTAL* Bryant University is pleased to offer dental benefits through Delta Dental.

The University offers the following options:

• Delta Dental USA Basic

• Delta Dental USA Expanded

• No Coverage (Dental Waiver)

When you are covered by the Delta Dental USA program, you have access to the nation’s largest network of dentists – more than 107,000 dentists nationwide. That’s three out of every four dentists in the country! You can view a list of participating dentists by visiting www.deltadentalri.com.

COMPARING YOUR OPTIONS The dental care comparison chart highlights some of the distinguishing features of each plan. This is a summary of services. To be covered, services must be medically necessary and in accordance with Delta Dental’s treatment guidelines.

EMPLOYEE CONTRIBUTION SCHEDULE If you were to elect one of the Delta Dental USA options, your cost on a pay period basis would be as follows:

NEXT PAGE

9

SAVINGS EXAMPLE

This example is for illustration purposes only and assumes a combined tax rate (income, FICA, Medicare) of 25%. Your own personal tax situation may differ.

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

FLEXIBLE SPENDING ACCOUNTS*

Bryant University is pleased to offer a Medical Reimbursement Plan and Dependent Care Assistance Plan administered through Benefit Strategies, LLC.

The Flexible Spending Accounts are governed by federal laws that allow you to pay for eligible health care and dependent care expenses with pre-tax dollars. Depending on your needs, you may open a medical reimbursement account, a dependent care reimbursement account, or both.

If you enroll in the new High Deductible Health Plan, you are not eligible to also enroll in a Medical Flexible Spending Account.

Unless there is a qualified change in family status, the only time a Flexible Spending Account can be elected is during Open Enrollment and you may not change your election mid-year.

MEDICAL SPENDING ACCOUNT The annual maximum amount you may contribute to your medical spending account is $2,650. This account allows you to pay, on a pre-tax basis, for certain health care expenses for you and your dependents, including:

• Medical and dental deductibles and copays;

• Health care expenses not covered by any insurance;

• Expenses for glasses and contact lenses that are not covered by any health plan; and,

• Many other health care expenses that qualify as deductions for federal income tax purposes.

Please note that the costs of non-prescription drugs are no longer eligible expenses under the Bryant Flexible Spending Account due to changes under the Patient Protection and Affordable Care Act (“the Act”), signed into law in 2010. Over-the-counter drugs and medicines will only continue to be eligible for reimbursement as long as the request is accompanied by a doctor’s prescription. Insulin and other over-the-counter items such as Band-Aids will continue to be eligible without a prescription. For a detailed listing of what is covered and what requires a prescription, please visit https://www.benstrat.com/downloads/FLEX_OTC_list.pdf. Purchases of over-the-counter drugs and medicines will require a form of payment other than your Flex Card; you will need to retain your receipt(s) and prescription(s), and submit a claim or request for reimbursement.

The total amount of your annual election may be withdrawn from this account for qualified expenses at any time during the plan year plus a 2 ½ month grace period.

Without Flex Plan $30,000 Gross Income

- $7,500 Taxes

$22,500 Net Annual Income

- $3,000 Health Care/Dependent Care Costs

$19,500 Net Spendable

= $750 Tax Savings

With Flex Plan $30,000 Gross Income

- $3,000 Health Care/Dependent Care Costs

$27,000 Adjusted Gross Income

- $6,750 Taxes

$20,250 Net Spendable

NEXT PAGE

continued...

10

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

11

FLEXIBLE SPENDING ACCOUNTS continued...

DEPENDENT CARE ASSISTANCE PLAN The annual maximum amount you may contribute to your dependent care reimbursement account is $5,000. This account allows you to pay on a pre-tax basis for day care of dependent children younger than age 13 and other disabled or elderly dependents. Eligible expenses include:

• Wages paid to a babysitter that is not your dependent and is claiming income;

• Fees paid to a licensed day care center or nursery school;

• Costs for family day care, adult day care or non-specialty summer day camp programs;

• Expenses for the licensed care of elderly disabled dependents;

• Home care specialists for disabled dependents; and

• Any other dependent care expenses that qualify as deductions for federal tax purposes.

You may only request reimbursements in the amount of deductions that have been placed in your account. Money will not be available for reimbursement before it has been deposited into your savings account.

IRS RULES GOVERNING FLEXIBLE SPENDING ACCOUNTS Since Flexible Spending Accounts offer tax advantages, the IRS imposes these restrictions on their use:

• You are required to use all the money in your accounts during the period of the plan year (January 1 - December 31, 2018) plus a 2 ½ month grace period for the Medical Spending Account. If you do not use all the money in your account by the end of the grace period (March 15, 2019), the balance will be forfeited.

• You have until March 31, 2019 to request reimbursement for expenses incurred between January 1, 2018 and March 15, 2019.

• If you enroll in both reimbursement accounts, you may not transfer money from one account to the other.

NEXT PAGE

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

12

OTHER INSURANCE BENEFITS

LONG-TERM DISABILITY INSURANCE

This plan provides you with income replacement equal to 60% of your monthly wage base up to a maximum of $14,000 per month for any disabilities extending beyond three months. These benefits would normally continue up to your normal Social Security retirement age, assuming you remain continuously disabled. In addition, if you are participating in the University’s formal retirement plan, this plan will continue contributions on your behalf equal to 10% of your monthly wage base.

Eligibility requirements state that an employee must be a regular, full-time employee working a minimum of 1,460 hours per year with a minimum of one year of service. If you have previously waived this coverage, in order to elect this coverage during Open Enrollment, you will need to submit a Statement of Health to our plan provider, Liberty Mutual. Your insurance will become effective on the date Liberty Mutual approves your proof of good health.

Premiums for this insurance are deducted from your paycheck on an after-tax basis and are shared between you and the University. Enrollment forms are available in the Human Resources Office.

GROUP TERM LIFE INSURANCE

As a benefits eligible employee, you are currently provided with Group Life and Accidental Death and Dismemberment Insurance equal to two times your annual salary up to a maximum benefit of $250,000. If you have previously waived this coverage, in order to elect this coverage during Open Enrollment, you will need to submit a Statement of Health to our plan provider, The Standard. Your insurance will become effective on the date The Standard approves your proof of good health. Basic Life Insurance is fully paid for by the University. Enrollment forms and Statement of Health forms are available in the Human Resources Office. For more detailed information, please refer to the Certificate of Coverage, which can also be obtained in the Human Resources Office.

VOLUNTARY ADDITIONAL GROUP TERM LIFE INSURANCE

This plan allows you to elect an additional one times or two times your annual salary to provide additional income and asset protection for your family’s financial security in the event of your death. In order to elect this coverage, you must submit a Statement of Health to our plan provider, The Standard. Your insurance will become effective on the date The Standard approves your proof of good health. Premiums for this insurance are deducted from your paycheck on an after-tax basis and are based on your annual salary and age. Enrollment forms are available in the Human Resources Office.

VOLUNTARY SPOUSAL/DEPENDENT INSURANCE

This plan allows employees to elect Life and Accidental Death and Dismemberment Insurance for their spouse and/or legal dependents providing the employee is covered under the University’s basic life plan. The amount of dependent insurance provided is $20,000 for your spouse and $5,000 for each eligible dependent up to age 26.

Premiums for this insurance are deducted from your paycheck on an after-tax basis. Enrollment forms are available in the Human Resources Office.

NEXT PAGE

• Vision examination every 12 months

• Lenses every 12 months, as necessary

• Frames every 24 months, as necessary

• Elective contact lenses benefit

• Laser corrective surgery discount

VSP has 25,000 member doctors’ locations to choose from nationally. For a listing of doctors, please visit www.vsp.com. Premiums for this insurance are deducted from your paycheck on a post-tax basis. Employees who would like to elect vision coverage or make a change to their existing coverage should contact Human Resources for an application form. Otherwise, prior elections will carryover.

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

13

VOLUNTARY BENEFITS Bryant University is pleased to offer a variety of voluntary insurance benefits. These benefits are supplemental to any existing insurance benefits you now have and are offered to prevent financial hardship in the event of injury, severe illness or death.

ADDITIONAL HEALTH BENEFITS

METLIFE ACCIDENT PROTECTION PLAN Accident insurance pays a benefit should you or any covered member of your family have an accident. More than 150 covered events/services are included, such as fractures and dislocations, 2nd and 3rd degree burns, concussions, eye injuries, cuts and lacerations, emergency care and more.

Payments are made directly to you — you decide how to spend the money for medical expenses not covered by your medical plan (copays, deductibles, out-of-network care) or for non-medical needs such as household bills, childcare or home modifications. Premiums for this coverage are deducted from your paycheck on a pre-tax basis. For more information, please stop by the Human Resources Office or one of the Open Enrollment information tables.

METLIFE CRITICAL ILLNESS PLAN Critical Illness insurance provides you with a lump-sum payment paid directly to you — you decide how to spend the money for medical expenses not covered by your medical plan (copays, deductibles, out-of-network care) or for non-medical needs such as household bills, childcare or home modifications. Additionally, this plan pays an annual, per person wellness benefit. Premiums for this coverage are deducted from your paycheck on a pre-tax basis. For more information, please stop by the Human Resources Office or one of the Open Enrollment information tables.

VISION CARE PLAN

The Vision Service Plan (VSP) plan is designed to provide vision care benefits for you and your family members. The focus is on the treatment and management of both eye and related health conditions through a private practice network of doctors. Seeing a VSP doctor on a regular basis is important because an eye exam offers an opportunity to detect problems in their early stages, long before complications can arise. The following highlights some of the benefits of the vision care plan:

NEXT PAGE

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

14

ADDITIONAL FINANCIAL BENEFITS

COLLEGEBOUND SAVER 529 PLAN

The CollegeBound Saver, sponsored by the State of Rhode Island, is a flexible college savings program that helps make saving for a child’s higher education easier. Parents, grandparents, family and friends can participate. The CollegeBound Saver, which is managed by Ascensus, offers you the following benefits:

• Tax-free earnings growth;

• No income limits;

• Regular contributions through payroll deduction; and,

• A choice of investment options.

METLAW LEGAL SERVICES PLAN

Most of us will need legal counsel at some point, whether it’s a planned event, such as buying a home or preparing a will, or an unexpected problem, like a speeding ticket. MetLaw provides you access to 13,000 experienced plan attorneys nationwide. You receive unlimited legal access either by phone or in-person. This plan offers coverage to pay for many common and routine legal issues including family law, real estate transactions, consumer protection, estate matters and document preparation. For more information, please stop by the Human Resources Office or one of the Open Enrollment information tables.

PET INSURANCE

Whether it’s routine wellness care or an illness or injury, caring for a pet can be expensive. This plan helps with these costs by offering three levels of coverage for care provided by any licensed veterinarian. Discounts on pet supplies are also included. Coverage is available for dogs and cats, as well as birds and other exotic pets. For more information, please call MetLife at 1-800-GET-MET8.

NEXT PAGE

TABLE OF CONTENTS

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

15

FREQUENTLY ASKED QUESTIONS

1. CAN I CHANGE MY ENROLLMENT DECISIONS THROUGHOUT THE YEAR? Changes outside the Open Enrollment period are restricted, unless you experience a “qualified change in family status.” The new coverage must be requested within 31 days of the “qualified change in family status” and must be consistent with your change. Proper documentation of the change must be provided to the Human Resources Office. Please refer to page 4 of this brochure for a definition of “qualified change in family status.”

2. WILL THERE BE ANOTHER OPEN ENROLLMENT PERIOD NEXT YEAR? Yes. Bryant University offers you the opportunity to change your enrollment decisions once a year.

3. CAN I ENROLL IN ONE MEDICAL PLAN, BUT ENROLL MY DEPENDENTS IN ANOTHER? No. You must choose one health care option to cover yourself and your eligible family members.

4. WHAT HAPPENS IF I DO NOT ENROLL? If you do not complete the electronic enrollment, you will be unable to participate in medical insurance, dental insurance and the Flexible Spending Accounts until the following plan year.

5. CAN I PARTICIPATE IN BOTH THE MEDICAL AND DEPENDENT CARE FLEXIBLE SPENDING ACCOUNTS? Yes. If you enroll in both reimbursement accounts, you may not transfer money from one account to the other. Your medical reimbursement account balance stays completely separate from your dependent care reimbursement account balance. Should you elect the Bryant High Deductible Health Plan you may only enroll in the Dependent Care Flexible Spending Account.

6. OTHER QUESTIONS? Please contact the Human Resources Office at 401-232-6010.

NEXT PAGE

TABLE OF CONTENTS

FOR MORE INFORMATION BENEFIT TYPE PLAN ADMINISTRATOR/CONTACT BY PHONE BY WEB

Health Insurance/Health Savings Account BCBSRI - Bryant University Health Plan 1-800-639-2227 www.bcbsri.com

Delta Dental USA 1-800-843-3582 www.deltadentalri.com

Flexible Spending Accounts

Medical Spending Account

Dependent Care Account

Benefit Strategies, LLC 1-800-371-7542 1-401-457-7266 (Fax) www.benstrat.com

Long Term Disability Insurance Liberty Mutual Insurance

1-800-378-2389

www.mylibertyconnection.com Company Code: Bryant

Voluntary Benefits

Accident Protection Plan

Critical Illness Plan Group

Legal

Identity Fraud Protection

Pet Insurance

MetLife Customer Service 1-800-GET-MET8

or 1-800-438-6388

www.metlife.com

VSP 1-800-877-7195 www.vsp.com

College Savings Plan CollegeBound Saver 529 Plan (James E. Joly) 1-877-517-4829 1-401-884-7707

www.collegeboundsaver.com www.lpl.com/james.joly

2018 HIGHLIGHTS

TABLE OF CONTENTS

BENEFITS ENROLLMENT MEDICAL HSA DENTAL FSA

OTHER INSURANCE

BENEFITS

VOLUNTARY BENEFITS FAQs CONTACTS

16

BACK TO TOP

Dental Insurance

Life Insurance The Standard

1-800-210-0268

www.standard.com

Vision Care Plan

Prescription Coverage Optum Rx- Bryant University Health Plan www.optumrx.com1-800-788-4863