10+ Things About Your Health & Welfare Benefits

(You may not know you have)

11/20/2019

Locke Lord Health & Welfare Benefits

• The Firm’s Health & Welfare benefit program offers

all employees and partners choices as no two

people have the same needs at the same point in

their lives.

• The Firm has made a significant investment to

make your benefits a tangible program for you.

• Today’s discussion is on several benefits that are

available to you that you may not know about.

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Employee Assistance Program (EAP)with Morneau Shepell

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Wellness

Employee Assistance Program (EAP)with Morneau Shepell• 100% Confidential resource for you and your dependents

• 24/7 resource available by phone, online, live chat, email,

and text

• Provides up to 3 face-to-face assessment and counseling

sessions per issue.

• Eldercare Locator

• LIFT – Virtual Fitness Program

• Customized 30 minute routines and journeys

• Live web chat with fitness coaches about fitness,

nutrition, or recovery questions

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Employee Assistance Program (EAP)with Morneau Shepell• LIFT – Virtual Fitness Program

• Customized 30 minute routines and journeys

• Live web chat with fitness coaches about fitness, nutrition, or recovery

questions

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WELL ONTarget through BCBSIL

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• There are two different programs for gym memberships:

• Fitness Your Way – $29 Monthly Fee for Access to Network of 10,000+ Gyms Nationwide

• Gym Network 360 – local gyms/fitness centers with discounts between 5%-20%

• Search by zip code for specific places.

• This also includes discounts on fitness devices, equipment and apparel.

https://www.blue365deals.com/offers?category=fitness

WELL ONTarget through BCBSIL

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• Gym Network 360 – Examples of local gyms/fitness centers with discounts

Advance Medical

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• Advance Medical matches patients to doctors who are the

leading experts on their specific conditions.

• Provide a second opinion for a recent diagnosis

• Advice about an upcoming surgery

• Review current treatment to ensure it’s the best course

• Answers about managing diabetes or any other health condition

• Cases are managed by a Physician Case Manager who

you have direct access to as long as you need help.

• Participation is free and completely confidential.

Advanced Medical

Travel Accident Insurance• BlueCard Global Core

• BCBSIL covers members worldwide while traveling should you

become ill or need emergency care.

• http://www.bcbsglobalcore.com

• Generali Global Travel Assistance

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Available when you travel more than 100

miles from home or internationally for up to

180 days.

Travel Accident Insurance (Cont.)• ACE Business Travel Accident Insurance – Life Benefit

• Covers Partners, Attorneys, and Senior Management for all

travel.

• Covers Staff for business travel.

• Emergency Medical Services

• Medical referrals, medical payments, medical

transport, medical evacuation or repatriation

• Emergency Services

• Travel arrangements, cash, credit card and passport

replacement

• Security Evacuation Services

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ProtectMyID & Family Secure

BCBSIL provides members and their family the

opportunity to register with Experian for credit

monitoring and identity theft protection service at no

cost. Enrollment starts in your BCBSIL BAM account.

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More information

can be found on

the Locke Lord

Additional Benefits

page.

AFLAC – Voluntary Specialty Insurance

• Aflac pays cash benefits directly to you when you’re sick or

injured.

• Accident Coverage

• Cancer Care

• Critical Care Protection (Specified Health Events)

• Premiums are paid via pre-tax payroll deduction

• Policies are portable if you leave the Firm and can be paid

on a direct-bill basis

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VSP – LASIK Benefit

• Besides providing you with an annual well-vision exam for a $10

copay, VSP also has a LASIK benefit.

• You can have laser correction surgery at a reduced price only

from VSP-contracted laser vision centers.

• National Chains

• TLC Laser Eye Centers

• The Lasik Vision Institute LLC

• Plus many local providers

• You'll save an average 15% off the regular price or 5% off the

promotional price from participating centers.

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PayFlex – Healthcare FSA

• PayFlex is the firm’s Flexible Spending Account provider.

• Besides reimbursing you for your copays, deductibles and

coinsurance, there are many over-the-counter FSA Eligible

items.

• Some require a doctor to write a Letter of Medical Necessity,

however there are many items you can purchase without a

LMN.

• Did you know that that you can use your Healthcare FSA

for…..

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PayFlex – Healthcare FSA

• Bandages, Band-Aids

• Blood Pressure Monitor

• Breast Pump

Purchase/Rental

• Cold and Hot Packs

• Compression Stockings

• Contact Lens Supplies

• Denture Adhesive

• Kenesio Tape

• Life Alert Emergency Medical

Alert System

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• Mouth guard

• Nasal Strips

• Neti Pot

• Pill Cutters, Pill Box

• Pulse Oximeter

• Sunscreen

• Thermacare Heat Wraps

• Thermometer

• Vaporizer, Humidifier

• Wheelchair

• Walker

CareLinx• CareLinx is a nationwide professional caregiver

marketplace, empowering families to easily find, hire,

manage and pay caregivers online.

• The platform has more than 300,000 caregivers across the

country.

• Hiring caregivers through CareLinx can save families as

much as 25 percent than if they hired the same caregivers

through franchise agencies.

• All CareLinx caregivers hired by families are background

checked and covered with $5 million in professional liability

insurance

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Bright Horizons Backup-CareBright Horizons provides back-up child and adult/elder care services to

partners and employees of Locke Lord when you need to be at work and

your regular child, adult or elder care arrangements are unavailable.

• Center-based back-up child care: copayments are $15/child/day with a

$25/family/visit maximum

• In-home adult/elder back-up care: copayments are $6/hour with a 4 hour

minimum. *Please note there is an additional charge of $50/hour for medical care.

• Benefit available is 10 days per calendar year

Registration & Reservations:

Online: www.backup.brighthorizons.com

User Name: locke

Password: lord

Phone: 877-242-2737

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Open Enrollment – Ends Nov 25 Key changes for 2020:

• New cost sharing schedule for medical, dental, and vision plans

• Changes to the medical and dental plan designs

• Base PPO plan in-network out-of-pocket maximum increasing to $3,500

Individual/$7,000 Family

• HDHP with HSA plan in-network out-of-pocket maximum increasing to

$7,000 Family

• Delta Dental per person calendar year maximum decreasing to $3,500

and Orthodontia Lifetime maximum decreasing to $3,500

• Health Savings Account (HSA) individual contribution limit has increased

to $3,550 for individual coverage and $7,100 for Individual + 1 or Family

coverage

• Healthcare Flexible Spending Account (HCFSA) contribution limit up to

the IRS limit of $2,750

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10+ Things you KNOW About the Firm’s Health & Welfare Plans• View information about the Health & Welfare Plans on the

Locke Lord Benefit Site

• Lnet Homepage in the My Info Box

• Benefits app in Workday

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10+ Things you KNOW About the Firm’s Health & Welfare Plans

Thank you for attending today’s presentation.

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