Welcome to 2015 Benefits Open Enrollment Training. Harland Clarke Holdings Corp. is committed to the health and wellness of our associates. We invest in benefit plans and wellness programs that can help you and your family get and stay healthy. 1 The 2015 Open Enrollment period is October 29th through November 12th . It will be an вЂњactiveвЂќ enrollment for Valassis & NCH which means these associates MUST enroll for all of their 2015 benefits. Most associates will enroll on-line via the myHRIS portal. If they need assistance (language issues or no computer access), they can enroll telephonically through a Benefit Communications Specialist or in-person with a Benefits Communications Specialist on-site. Bi-lingual specialists will be available on-site and telephonically. We are currently working with HR to finalize the on-site schedule. ALL associates MUST: вЂўIndicate or update your spouseвЂ™s (or domestic partnerвЂ™s) medical insurance status. Regardless of whether your spouse is enrolled with their employerвЂ™s plan or not, you need to indicate whether they have access to coverage through their employer. вЂўTobacco Status: You must indicate your tobacco user status. If you select вЂњtobacco user participatingвЂќ you will be able to access the Healthyroads telephonic tobacco cessation program on January 1, 2015. All elections made during annual enrollment are effective January 1, 2015 through December 31, 2015. 2 This training provides information about all of your available benefits, including medical, dental, vision, flexible spending and savings account options, and more. This training provides only a summary. For more information review the Open Enrollment brochure, вЂњGrowing Healthier TogetherвЂќ you received at home or at your location. 3 4 Do you have a benefits question and not sure who to ask? Start with an Benefit Communication Specialist (BCS). A BCS is available year round to discuss your healthcare options, voluntary benefit options, product costs and to answer benefit questions. These trained benefits experts also offer 30-minute personal benefit reviews or вЂњcheckupsвЂќ where the BCS will explain your current benefits and benefit options available to you. A BCS will contact associates about every 18-24 months to conduct a review. If you would like to schedule a review on your own, you can contact a BCS directly at 1-888-514-7225 or via email at [email protected]. Our BCSвЂ™s will also be scheduling Open Enrollment webinars. Be on the look-out for a schedule coming soon! BCS Call Center Hours: Monday thru Friday, 8am вЂ“ 5pm CST Open Enrollment Hours October 29 вЂ“ November 12, 2014: Monday thru Friday, 7am вЂ“ 7pm CST Valassis and NCH associates can still contact the Valassis HR Solution Center. The BCS is an additional option for you to obtain information about your benefits. 5 This overview provides information about the three medical plan options available to you, which are intended to provide you with access to quality healthcare choices. Please review the information carefully before making your elections. 6 You have 3 medical plan options to choose from: вЂў Preferred Provider Organization or (PPO). The PPO plans allows you the flexibility to see providers outside the provider network by paying higher out of pocket costs. вЂў Exclusive Provider Organization or (EPO). If you rarely or never see out of network providers you can save money on your monthly premiums and out of pocket costs by choosing the EPO plan. The EPO covers in-network expenses only but it uses the same Blue Choice PPO Network as the PPO Plan. Considering BCBS has such a large network you may never need to see an out-of-network provider. If you see an out-of-network provider due to an emergency, your benefits will be paid at the in-network level. вЂў High Deductible Health Plan or (HDHP) with Health Savings Account (HSA). If you rarely visit medical providers other than routine wellness exams and tests the HDHP plan may be for you. Though the HDHP plan has the highest deductible, it has lower monthly premiums than most of the plans and still covers wellness exams and tests at 100% with your deductible waived. Like the PPO/EPO plans, this plan uses the Blue Choice PPO network. The HDHP also covers generic, preventative drugs (such as high blood pressure medicine, cholesterol medicine and diabetic medicine at the copay BEFORE the deductible. вЂўWith the HDHP Plan you can save money in a Health Savings account on a pre-tax basis for out-of-pocket medical costs. In addition you can roll over these savings from year to year if they are unused. вЂўAll 3 plans allow you to choose your providers and go directly to them without a referral from a primary care physician. 7 You have the ability to choose a plan that is right for you and your family. Ask yourself these questions (read questions and answers). If you are still not sure what to do, contact a BCS at the number on the screen for help. 8 You are eligible to enroll if you are regularly scheduled to work 30 or more hours per week. You can enroll your Spouse or Domestic Partner. This includes same and opposite sex spouses and domestic partners. An affidavit is required to prove domestic partner status if you have not provided this previously. Contact a Benefit Communications Specialist at the number on your screen for an affidavit form. The form will also be available on the myHRIS system under MyReferences and the Valassis Benefits website. Spouse coverage refers to opposite and same sex spouses. For same sex marriages it does not matter what state you were married in or what state you live in as long as you were legally married in a state that recognized the same sex marriage. Your Children, step-children, adopted children, children of your domestic partner, and children you have legal guardianship over. The company employs a third party to conduct dependent audits so proof of eligibility may be required. NOTE: Valassis PT associates will no longer be eligible for company provided coverage effective 1/1/2015. They will receive information on enrolling in COBRA or on the new Health Insurance Marketplace. 9 If your spouse or domestic partner (DP) has access to medical coverage through their employer - regardless of whether they enroll in the employer plan or not - and you still enroll them on the Harland Clarke plan, you will pay an extra surcharge of $150 per month. If your spouse/DP does not have access to other health coverage then the surcharge is waived. You and your spouse/DP should carefully compare the coverage and cost of the plan provided by your spouse/DPвЂ™s employer to the Harland Clarke plan coverage and cost with the surcharge. It may be less expensive to have your spouse/DP enroll in their employerвЂ™s plan. If you have children, together you can decide which plan provides the best value and enroll your children accordingly. During Open Enrollment you will be asked to attest to (or update, if there has been a change since last year) whether or not your spouse/DP has other coverage available through their employer. The surcharge, if applicable, will show on a separate line item on your paycheck. Unlike tobacco premiums, the spouse surcharge will not be reflected on the pre-tax medical premiums displayed in the enrollment system on myHRIS. If you decide to drop your spouse/DP from coverage, check with their medical plan rules to ensure they can enroll in their employerвЂ™s plan with a 1/1/2015 effective date. 10 Here is a comparison of your costs with or without the spouse surcharge (review). It is important to do your own analysis to make the best choice for you and your family. Be sure to compare both premiums AND plan design (benefits). 11 Tobacco users must pay a tobacco user premium of $50 per paycheck, unless you elect to participate in the Healthyroads tobacco cessation program. All associates must indicate their Tobacco User status when enrolling. If you are not a Tobacco User indicate вЂ“ Non-Tobacco User If you are a Tobacco User but you are willing to enroll in the Healthyroads Telephonic Tobacco Cessation program, indicate you are a Tobacco User вЂњParticipatingвЂќ to avoid the tobacco surcharge. If you have no plans to quit or if you do not indicate your Tobacco User status, you will be defaulted to Tobacco User вЂ“ Not Participating, and incur the $50 surcharge. On January 1, 2015, you will be able to contact Healthyroads at the web address or number on your screen to enroll in telephonic health coaching for tobacco cessation. You will be sent a reminder in January 2015 about enrolling. We conduct an audit to ensure tobacco users who agree to participate actually enroll in the tobacco cessation program. 12 13 The following additional benefits are available to you and your eligible family members. - Prescription Drug Coverage through Express Scripts - Dental Plan through Delta Dental Insurance Company - Vision Plan through Vision Service Plan. - More information on these plans is available in the вЂњGrowing Healthier TogetherвЂќ Open Enrollment brochure you received at home or your location. The brochure is also available on line or by calling a Benefit Communications specialist. 14 The following is a summary of your prescription drug co-pays through Express Scripts. We encourage the use of generic drugs when available to save you and the plan money. In addition, we require mail order after the 2nd fill of a maintenance prescription. Examples of maintenance prescriptions include blood pressure and cholesterol medicine. On the 3rd fill at retail your copay will double if you have not switched to mail order. Some prescription medications require prior authorization from your physician and have quantity limits. Some expensive medications may require вЂњstep therapyвЂќ where you have the option to try a lower cost, but high quality, alternative first. Your physician can always override step therapy if you need the drug that was originally prescribed. More information is provided in the Open Enrollment brochure. Contact Express Scripts if you have a question about your medication. Contact information is in your Open Enrollment brochure, вЂњGrowing Healthier TogetherвЂќ. Valassis Associates will receive new ID cards in late December. 15 The following is a summary of your dental benefits. You have a choice between two plans through Delta Dental Insurance CompanyвЂ¦a high plan which covers orthodontia and a low plan which does not. The high plan also has a higher benefit level вЂ“ 80% for basic services vs. 70% on the low plan and a higher annual maximum of $1,500 vs. $750 on the low plan. Note: The DMO option will no longer be available after 1/1/2015. Valassis Associates will receive new ID cards in late December. A dental card is not required to receive benefits and you can also print one on-line at www.deltadentalins.com. 16 The following is a summary of your vision benefits. You can choose to see any eye care providerвЂ”a VSP network doctor, a retail affiliate provider or any other provider. When you see a VSP network provider, you'll get the most out of your benefit and have lower out-of-pocket costs. Notify the provider when making an appointment that your new Vision plan is VSP. The provider can verify coverage on the VSP website. Non-VSP providers may not file the claims for you and out-of-pocket costs may be slightly higher with those providers. To search for a provider, visit www.vsp.com. No ID card is needed вЂ“ simply tell your provider you are with VSP. If you still want an ID card you can print one on-line at www.vsp.com. 17 Flexible Spending Accounts allow you to set aside money for health care or dependent care (day care) expenses on a pre-tax basis. NOTE: Valassis dependent care matching contributions will no longer be provided in 2015. Claims Substantiation is required for certain debit card expenses. This is a process by which PayFlex may request back up documentation to verify your debit card charge is an eligible medical expense. Back-up documentation could include the doctorвЂ™s invoice, prescription receipt or explanation of benefits from your insurance provider. If you do not respond to PayFlexвЂ™s request to substantiate a claim, your debit card could be suspended temporarily. PayFlex will notify you twice about the need for substantiation before suspending your card. 18 Health Savings Accounts Only for associates enrolled in the High Deductible Health Plan Pre-tax contributions into a savings account that can be used for medical, dental and vision expenses. You own the account вЂ“ money goes with you and rolls over from year to year. New provider: HSA Bank If you elect to save in the HSA account in 2015, an HSA account will be opened for you at HSA Bank. New payroll deductions will automatically be deposited into your HSA Bank account. You can keep your BNY Mellon account until you spend the remaining balance in the account, or you can transfer your remaining balance to HSA Bank. Contact HSA Bank for more information! 19 The company provides basic life and AD&D of 2 x your base salary up to $550,000. You can also buy additional term supplemental Life and AD&D for yourself, spouse and children. During Open Enrollment you can enroll, up to the guaranteed issue amounts of $200,000 for you, $50,000 for spouses and $10,000 for children, without health questions. The Critical Illness and Accident Insurance plans through Unum are supplemental plans that pay cash benefits directly to you. You can use this money for anything. Unum also offers Whole Life Insurance which unlike term life insurance earns cash value. NOTE: Valassis associates will be offered the opportunity to pay their current providers, such as Trustmark, directly if they choose to remain with their current plans. Legal Shield provides associates and their families with pre-paid legal services for a variety of issues for only $6.81 per paycheck. Pre-Tax Commuter Reimbursement Accounts through PayFlex allow you to set aside funds on a pre-tax basis to pay for eligible mass transit and parking expenses. The Long-term Care Insurance plan offered by Unum is intended to provide benefits for extended care resulting from long-term, chronic illnesses or injuries that medical plans usually do not cover. Information on enrolling in these plans is available in your вЂњGrowing Healthier 20 TogetherвЂќ brochure you received or you can contact a BCS or your HR Solution Center. 20 You now have the option to defer money into the Harland Clarke 401(k) Retirement Savings Plan through Merrill Lynch. Current account balances at J.P. Morgan will be mapped to similar funds at Merrill Lynch and transferred at the end of the year. In order for this to occur, there will be a short вЂњblack out periodвЂќ where you will not be able to make changes to your investment options or deferral elections. The blackout period will occur at the end of the year. You will be notified in November of the exact black out dates. ROTH and Self Directed Brokerage accounts will not be available under the new plan. Please go to your J.P. Morgan account and make changes to these deferral amounts prior to the black out date in late December. A ROTH deferral option will be implemented under the Merrill Lynch plan in 2015. In the meantime, your ROTH deferrals will transfer to Merrill Lynch and categorized as вЂњROTHвЂќ 401(k) funds. 21 There are new matching contributions with new retirement plan. The company matches 100% on the first 3% that you defer and 50% on the next 2% you defer for a total of 4%. You must elect a deferral amount to receive matching contributions. This is unlike the current profit-sharing contribution which is made regardless of participation. Under the new plan, your matching contributions will be immediately 100% vested as well as any non-vested balances that are transferred from J.P. Morgan. You will still receive a Profit-sharing contribution for 2014. This contribution will be made into your new retirement plan account with Merrill Lynch in the first quarter of 2015 if you are eligible to receive the 2014 profit-sharing contribution. 22 23 Through company-sponsored wellness programs and your commitment to you and your familyвЂ™s health, we can each make a difference in the total cost of health care. NOTE: Virgin Healthmiles will no longer be offered after 1/1/15. We need everyoneвЂ™s commitment to help control benefit costs. What can you do? Make healthy choices, be a good consumer of health care, get your annual physical, call the nurse hotline or use generic drugs if appropriate. Quit smoking, walk around the blockвЂ¦.every step you take to better health helps to increase your quality of life and helps control health care costs for all of us. The company invests in our associates program through our YOU.Healthier! Wellness program campaign. 1. Harland Clarke has partnered with Weight Watchers over the last 5 years to help associates lose thousands of pounds! We invite Valassis to join us on our weight loss journey this spring! Look for more information early in 2015! 2. Look out for Health Challenges during the year! 3. Healthyroads is our wellness partner. Their website provides on-line personal health assessments, on-line courses and trackers. They also provide telephonic health coaching. Do you want to lose weight or stop smoking? Do you have a chronic condition like diabetes or asthma you need help with? Call a Healthyroads health coach. Your participation is CONFIDENTIAL and the service is FREE! Valassis and NCH associates will be able to access Healthyroads on January 1, 2015! Healthyroads also tracks associateвЂ™s progress towards earning a medical premium discount. 24 The company encourages participation in wellness programs by offering a medical premium discount for participating. Valassis & NCH associates will automatically receive the premium discount for 2015. Information on how you can maintain the discount in 2016 will be provided later this year. 25 26 This grid reflects our medical plansвЂ™ 2015 bi-weekly Premiums for Associates with an annual base pay rate less than $40,000 in 2015 (this is based on your annual base pay rate as of 12/31/2014). If their rate changes during the year, no changes are made to the premiums until the following plan year. We are working on a вЂњtransition planвЂќ for Associates moving to the higher tier. We understand it is a significant increase in premium and are working on a plan (for HC as well) to mitigate this as much as possible. Take your time to review the grid. These premiums are WITH the Wellness discount that Valassis associates will automatically receive in 2015. You will be provided information later this year on how to keep the discount in 2016. 27 This grid reflects our medical plansвЂ™ 2015 bi-weekly Premiums for Associates with an annual base pay rate greater than $40,000 dollars in 2015. (this is based on your annual base pay rate as of 12/31/2014). 28 This grid reflects the 2015 Bi-weekly Associate premiums for the dental & vision plans. Take your time to review the grid. 29 LetвЂ™s review the 2015 Open Enrollment Timeline & process. 30 The 2015 Open Enrollment is October 29th through November 12th 2014. During this period of time, you can view and change your current benefits or enroll in new benefits, through myHRIS: Employee Self-Service Portal at myhris.myhc2.com, click on My Benefits, and you will see a link for Open Enrollment. This link will be available until November 12, 2014. Once you are satisfied with your elections, simply print a confirmation statement for your records. Associates without computer access or who need help with enrollment can contact a Benefits Communications Specialist to enroll telephonically. 31 For instructions on how to enroll via myHRIS go to: - myHRIS, click on Employee Self Service, and on the Detailed Navigation menu on the left, click on My References then click on My Benefits. You will see a MyBenefits Job Aid for Open Enrollment - Resources and job aids are also available on-line at: www.ValassisBenefits.com If you would rather talk to a person, any Associate of Harland Clarke Holdings Corp. can contact a Benefit Communications Specialist, Monday thru Friday, 7am вЂ“ 7pm CST. In addition, you can contact your HR Solutions Center, Monday thru Thursday, 7am вЂ“ 6pm CST, Friday, 7am - 4 pm CST. 32 33