eyemed vision care, hyatt legal plans & onebeacon identity ... · and/or onebeacon identity...
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EyeMed Vision Care, Hyatt Legal Plans & OneBeacon Identity Management Services Voluntary benefits programs for Alcatel-Lucent Management Employees and their families.
voluntary benefits open enrollment period: november 8 – 19, 2010
• What’s Changing
• Added BenefitsSM Web Site Information
• EyeMed Vision Care
• Hyatt Legal Plans
• OneBeacon Identity Management Services
What’s Inside:
Enrollment for your voluntary benefits begins at 9:00 a.m. Eastern Time (ET) November 8, 2010 and ends at 6:00 p.m. ET November 19, 2010. You will be able to enroll, disenroll or make changes to your EyeMed Vision Care, Hyatt Legal Plans and/or OneBeacon Identity Management Services for 2011 during these dates only. NOTE: The open enrollment period for your 2011 Alcatel-Lucent health and welfare benefits coverage is also scheduled to begin at 9:00 a.m. ET, on November 8, 2010 and end at 6:00 p.m. on November 19, 2010. That open enrollment period is separate from the Voluntary Benefits Enrollment. To enroll in your health and welfare benefits coverage, please visit the Your Benefits Resources Web site at http://resources.hewitt.com/alcatel-lucent. Payments for these benefits are made through convenient post-tax payroll deductions. Payment is broken out evenly over your 2011 payroll cycle. If you are currently enrolled or have recently enrolled in EyeMed, Hyatt Legal, or OneBeacon Identity Management Services, you will be automatically renewed for 2011 unless you cancel your coverage. If you wish to cancel your coverage or make changes, you must visit www.addedbenefitsaccess.com to do so. NOTE: Keep in mind that routine vision care is not part of your medical benefit.
Welcome to Your 2011 Voluntary Benefits Open EnrollmentIt’s time to enroll in your voluntary benefits for 2011.
Please note on November 19, 2010, 6:00 p.m. ET, the open enrollment period will end, after which you will not be able to enroll in coverage for vision, identity management or legal services, change your coverage level or cancel coverage for 2011, unless you experience a qualified status change.
What’s Changing
Voluntary vision care coverage will be extended to adult children up to the end of the month in which they become age 26, without regard to student or marital status. Such adult children must also not be eligible to enroll in another employer’s coverage. (This change does not apply to the children of domestic partners, whose coverage eligibility age limit will continue to be the end of the month in which the adult child turns 24 if he or she is a full time student, otherwise end of the month in which the adult child turns 20 if they are not a full time student.)
You may enroll newly eligible adult children in voluntary vision care coverage during the annual open enrollment period if they meet the new eligibility requirements. Coverage will be effective January 1, 2011.
All other eligibility requirements still apply. If you are unsure whether a dependent is eligible for coverage, you can view the full eligibility requirements at www.addedbenefitsaccess.com.
Note: The change to dependent child eligibility does NOT apply to Legal or Identity Management Services.
IMPOrTaNT–dEPENdENT CHILd ELIgIBILITy HaS CHaNgEd fOr VOLuNTary VISION CarEeffective January 1, 2011 adult children up to age 26 of active employees are eligible for voluntary vision care coverage.
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How to use the Added BenefitsSM Web site
To enroll in health and welfare benefits coverage, please visit the your Benefits resources™ Web site at http://resources.hewitt.com/alcatel-lucent.
Log In: Existing account holders, please log in with your HRID and password.
New users will need to set up an account.
Welcome Screen:
If you cannot remember your password, you may retrieve it here.
There are two options for you to choose from:
> stAndArd plAn
> enhAnced plAn
Both programs provide you with vision care and
prescription eyewear through a vast network that
includes independent providers, as well as retail
locations such as Sears Optical, Pearle Vision,
Target Optical and JC Penney Optical.
ID cards will will be mailed to new participants in
January. If you are continuing your coverage from last
year, you will not receive a new ID card.
Value added features> Members will receive a 20% discount on items not
covered by the plan at in network providers, which
may not be combined with any other discounts or
promotional offers. The discount does not apply to
EyeMed Provider’s professional services, or contact
lenses. Retail prices may vary by location.
EyeMed Vision Care
IMPOrTaNT: Personalized ID cards are printed with the employee’s name only; eligible covered dependents should use the card for identification purposes. Member ID will be the employee’s HRID.
> At an in network provider, once the funded benefit
has been used, members also receive a 40% discount
off a 2nd complete eyeglass pair purchase and a 15%
discount off conventional contact lenses.
> Members also receive 15% off the retail price or 5%
off the promotional price for Lasik or PRK from the US
Laser Network, owned and operated by LCA Vision.
Why vision care coverage?
Regular eye exams are important to the overall health
of your family. A comprehensive eye exam can be the
first indicator of health concerns such as diabetes, high
blood pressure and glaucoma. Your vision plan offers
coverage for eye exams, lenses, frames and contact
lenses. This valuable coverage is available to you and
your eligible dependents.
How do I locate a provider?
Visit www.addedbenefitsaccess.com and select
Benefit Providers under Vision Care to locate a provider
in your area.
as a reminder, routine vision care is not part of
your medical coverage. you can choose to enroll
in the EyeMed Vision Care program available to
you and your eligible dependents. If you are
already enrolled in this program, your election
will automatically renew. If you wish to cancel
your EyeMed Vision Care coverage, you must visit
www.addedbenefitsaccess.com.
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EyeMed Vision Care
How do I know what is covered under my vision care
coverage vs. my medical plan?
Your EyeMed benefit provides coverage for routine eye
care only. If you have a condition that would require
treatment with medication or possible surgery, these may
be handled by your physician through your medical plan.
Here is a list of the most common conditions of the eye
that may be covered under your medical plan:
> Cataracts > Ocular Hypertension
> Glaucoma > Retinal Detachment
> Conjunctivitis > Retinitis Pigmentosa
> Diabetic Retinopathy > Strabismus
> Macular Degeneration > Uveitis
What if I decide to see a non-participating provider?
If you choose to use a non-participating provider, you
will be required to pay in-full at the time of service and
obtain itemized receipts. A copy of your receipts and a
completed claim form should be submitted to EyeMed
for reimbursement. You will be reimbursed up to the
amounts listed on your schedule of benefits. Claim forms
can be found at www.addedbenefitsaccess.com.
What does a routine eye exam entail?
EyeMed Vision Care’s panel of optometrists and
ophthalmologists conduct comprehensive eye
examinations to diagnose or detect existing conditions
of the eye and vision system. The tests and procedures
performed may vary by patient because of age or
specific conditions, but typically include an assessment,
diagnosis and treatment plan.
Visit www.addedbenefitsaccess.com for more
detailed information.
Please refer to the chart
on the following page for
a summary of benefits.
EyeMed Vision Care
monthly premiums are
paid through convenient
post-tax payroll deductions.
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EyeMed Coverage Information
EyeMed Vision Care
E Y E M E D V I S I O N S T A N D A R D P L A N E N H A N C E D P L A N *
In-Network(member cost)
Out-of-Network(maximum
reimbursement)
In-Network (member cost)
Out-of-Network(maximum
reimbursement)
Exams Once per calendar year, covered in full
$40Once per calendar year, covered in full
$40
Standard plastic lensesOnce per calendar year,
covered in fullOnce per calendar year,
covered in full– Single vision $0 copay $40 $0 copay $40– Bifocal $0 copay $75 $0 copay $75– Trifocal $0 copay $100 $0 copay $100– Lenticular $0 copay $75 $0 copay $75
Lens options (per pair of glasses)
– UV coating $15 copay Not covered $15 copay Not covered– Tint (solid and gradient) $15 copay Not covered $15 copay Not covered– Scratch resistance $15 copay Not covered $15 copay Not covered– Polycarbonate $40 copay Not covered $40 copay Not covered– Anti-reflective coating $45 copay Not covered $45 copay Not covered
– Standard Progressive $65 copay $75 $65 copay $75
– Premium Progressive $65 copay, 80% of charge, less $120 allowance
$75 $65 copay, 80% of charge, less $120 allowance
$75
– Other add-ons/services 20% off retail Not covered 20% off retail Not covered
Frames Once per year, $120 allowance toward retail value,
20% off balance over $120$50
Once per year, $130 allowance toward retail value,
20% off balance over $130$50
Contact lenses (in lieu of lenses, allowance covers materials only)
Once percalendar year
$75
Once percalendar year
$75– Conventional $100 allowance, 15%
off balance over $100 $120 allowance, 15% off balance over $120
– Disposable $100 allowance, member cost is balance over $100
$120 allowance, member cost is balance over $120
– Medically necessary $0 copay; covered in full
$0 copay; covered in full
Contact Lens Fit & Follow-Up Visits
Available once a comprehensive eye exam
has been completedNot covered
Available once a comprehensive eye exam
has been completed– Standard contact lens
Up to $40 allowanceCovered in full for fit and 2 follow-up visits
$40
– Premium contact lens 10% off retail
10% off retail, then apply $40 allowance
$40
Monthly costEmployee – $9.00
Employee + 1 – $18.00Family – $25.00
Employee – $10.40Employee + 1 – $20.80
Family – $28.60
*In-Network differences between the Standard and Enhanced Plans are highlighted in yellow.
Benefits described above are for one time use per calendar year; benefit allowances provide no remaining balance for future uses within the same calendar year.
Up to $40
Hyatt Legal Plans
We cannot predict the future, but we can help you
prepare for it. read on to see if you should take part
in this plan.
for 2011, the monthly rate is just $17.20 a month.
> No claim forms
> All in-network covered services are paid in full
> Convenient post-tax payroll deduction of the
monthly premium
> Out-of-network covered services are also available
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If you are already enrolled in this program,
your election will automatically renew. If you
wish to cancel your election, you must visit
www.addedbenefitsaccess.com.
With the Hyatt Legal Plan, for an affordable price, you
and your family will have access to professional legal
representation for specific covered services whenever
you may need it.
Consider the following:
> If you owe money, would you like harassing calls
from bill collectors stopped? your plan attorney
can help enforce your rights.
> Have you ever had problems with a landlord?
Having an attorney on your side can help
protect your rights.
> If you were in a coma, would your family or
doctor know your wishes regarding medical
care? a living will makes your wishes known.
In-Network
All attorney fees for covered services are paid
in full — there are over 11,000 in-network attorneys
to choose from. You’ll pay no deductibles or
copayments, and there are no claim forms.
Out-of-Network
You may choose a non-plan attorney and be reimbursed
for covered services according to a set fee schedule.
You will be responsible for paying the difference, if any,
between the plan’s payment and the non-plan attorney’s
charge for services.
Covered services include:
> Office Consultation and Telephone Advice
> Consumer Protection
– Consumer Protection Matters
– Small Claims Assistance
– Personal Property Protection
> Debt Matters
– Debt Collection Defense
– Identity Theft Defense
– Personal Bankruptcy or Wage Earner Plan
– Tax Audits
> Defense of Civil Lawsuits
– Administrative Hearing Representation
– Civil Litigation Defense
– Incompetency Defense
Hyatt Legal Plans
> Document Preparation
– Affidavits
– Deeds
– Demand Letters
– Document Review
– Mortgages
– Notes
> Elderlaw Matters
> Family Law
– Name Change
– Premarital Agreement
– Protection from Domestic Violence
– Contested or Uncontested Adoption
– Uncontested Guardianship or Conservatorship
> Immigration Assistance
> Personal Injury (25% Network Maximum)
> Personal Property Protection
> Real Estate Matters
– Boundary or Title Disputes (Primary Residence)
– Eviction and Tenant Problems
(Primary Residence – Tenant Only)
– Home Equity Loans (Primary Residence)
– Property Tax Assessment (Primary Residence)
– Refinancing of Home (Primary Residence)
– Sale or Purchase of Home (Primary Residence)
– Zoning Applications
> Traffic and Criminal Matters
– Juvenile Court Defense
– Restoration of Driving Privileges
– Traffic Ticket Defense (No DUI)
> Will and Estate Matters
– Living Trusts
– Living Wills
– Powers of Attorney
– Probate (10% Network Discount)
– Wills and Codicils
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Now you can protect yourself and your family against
the unforeseen consequences of identity theft with
OneBeacon’s Identity Management Services.
Identity theft occurs when someone uses your personal
data, such as: Name & Address, Social Security Number,
Credit Card Number, Bank Account Information or
Medical Insurance Information. This information is then
used without your permission, to commit fraud or
other crimes.
Identity theft has become much more than a financial
crime. Criminals may use your identity to: get work
illegally; obtain medical care in someone else’s name;
use as an alias after arrest or obtain government benefits.
As a victim of identity theft you may:
• Lose out on job opportunities
• Be arrested for crimes you did not commit
• Be denied loans for housing, cars, or education
• Have the wrong medical treatment due to
incorrect information
It is estimated that the average victim spends hundreds
of hours before restoring their identity.
With OneBeacon’s Identity Management Services,
you and your family get protection and peace of mind
managing the often unforeseen circumstances of
identity theft. The OneBeacon Identity Management
Services program includes Identity Theft Services, Single
Bureau Credit Monitoring, and AIM Asset Recovery.
OneBeacon Identity Management Services
If you are already enrolled in this program, your
election will automatically renew. If you wish to
cancel your Identity Management Services, you
must visit www.addedbenefitsaccess.com.
NOTE: If you are continuing your coverage or
are a new participant, in January you will receive
an e-mail from OneBeacon with instructions on
how to activate the credit monitoring services;
you must activate the service yourself.
Identity Theft Services – From restoring your good
name to guiding a surviving spouse through the
process of safeguarding the deceased loved one’s
accounts:
> Identity Theft resolution Services offer
unlimited access to dedicated fraud specialists
who work one-on-one with the victim through the
resolution process.
> Proactive Identity Services protect an individual’s
identity by staying apprised of fraudulent activities.
> Child risk Identity Services help parents and
guardians protect the identity of their children
over 18 years of age, or under 18 years of age if
they have a credit bureau file — both proactively
and in the event of fraud.
> Military Identity Services protect those who
defend our country with Active Duty Fraud Alert.
> Medical Identity Services work within the
limits of the Health Insurance Portability and
Accountability Act (HIPAA), as well as identity
theft and data protection regulations on both the
state and federal levels, to help resolve medical
identity theft issues.
> Estate Identity Services guide a surviving
spouse through the process of safeguarding the
identity and securing the accounts of a deceased
loved one.
> Identity Travel Services help recover lost
or stolen documentation, while avoiding
potential fraud.
> Identity relocation Services keep one’s identity
safe during a move.
> disaster recovery Services help disaster victims
recapture critical documents, including
marriage and birth certificates, needed to rebuild
their lives.
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Questions & answers
1. Why do I need Identity Management Services?
Every 79 seconds someone’s identity is stolen.
And in most instances, monetary loss is just one piece
of the equation. You may see your name being used
as an alias for criminals trying to obtain medical and
government benefits – and even full-time employment.
2. How do I know what is offered and how do I access
OneBeacon’s Identity Management Services?
The enrollment materials provide you with just
enough detail to understand the benefits. You will
receive an e-mail notice directly from OneBeacon
with the details and steps to begin the process for
better management of your identity protection. You
will receive a second e-mail containing the enrollment
steps for the credit monitoring services. Any enrolled
dependents will receive a separate e-mail.
3. Who is OneBeacon Services®?
OneBeacon Services, LLC, a member company
of OneBeacon Insurance Group LTD, was formed
to provide critical services that help organizations
and individuals better protect themselves from a
number of growing and emerging issues. Services
are available on an international basis and can be
purchased through specialty producers and specific
affinity relationships.
don’t be a victim of identity theft. Visit
www.addedbenefitsaccess.com to learn
more about the services offered through
OneBeacon’s Identity Management Services.
employee
dependent
* Includes dependent costs for complete Identity Theft Services. ** Employee must purchase program for dependents to be eligible.
included in Cost
• Identity Theft Services (Employee and Dependents)
• Single Bureau Credit Monitoring (Employee only)
• AIM Asset Recovery (Employee only)
• Single Bureau Credit Monitoring
• AIM Asset Recovery
OneBeacon Identity Management Services
Single Bureau Credit Monitoring provides a
sophisticated, comprehensive monitoring system to
alert you to credit score inquiries, new credit requests,
and other activity affecting your credit file. The service
will provide immediate e-mail notification of any
changes to your credit records. In an event of
suspicious activity you can take advantage of the
Identity Theft Resolution services outlined above.
aIM asset recovery is a unique resource that is part
of Identity Management Services. It is designed to help
you in recovering unclaimed funds. Funds can come
from a variety of sources including: foreclosures, estates,
insurance proceeds, uncashed checks or stale-dated
checks, tax refunds and overpayments, dormant bank
accounts, and lost stock certificates.
Cost
$26.00* per year ($2.17 per month) $14.00** per dependent, per year ($1.17 per month)You may only enroll your dependents age 18 or older.
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for more information, visit www.addedbenefitsaccess.com or call 1-800-622-6045 > Select Option 1 for Active Employees
At next prompt:
> Select Option 1 for questions on Enrollment
> Select Option 5 for questions on Hyatt Legal
> Select Option 6 for questions on EyeMed Vision Care
> Select Option 7 for questions on OneBeacon Identity Management Services
rEMEMBEr:
These voluntary programs are separate from your health and welfare benefits coverage. To enroll in your health and welfare benefits coverage, please visit the your Benefits resources™ Web site at http://resources.hewitt.com/alcatel-lucent.
For your convenience, Alcatel-Lucent has arranged for payroll deductions for coverage(s) that you may elect under this program. However,it should be noted that Alcatel-Lucent does not sponsor or endorse this coverage. These programs apply to employees of all participating companies, including LGS Innovations LLC, and Alcatel-Lucent Managed Solutions, LLC. This information does not apply to U.S. employees covered by the terms of a collective bargaining agreement or employees of Genesys, Vacuum Products or employees of subsidiaries or joint ventures who maintain their own voluntary benefits plans. Your Benefits Resources™ is a trademark of Hewitt Associates LLC.
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AME152
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for AlcAtel-lucent MAnAgeMent eMployees
EyeMed Vision Care, Hyatt Legal Plans & OneBeacon Identity Management Services e n r o l l M e n t I n f o r M A t I o n f o r 2 0 1 1
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