2015
Benefits Summary
„„ Medical, Prescription, and Dental
„„ Vision
„„ Flexible Spending Account
„„ Basic Life and Accidental Death and Dismemberment (AD&D)
„„ Voluntary Life
„„ Voluntary AD&D
„„ Short Term Disability
„„ Long Term Disability
„„ 401(k)
„„ Holidays
„„ Vacation
„„ Sick Leave
„„ Credit Union
„„ Educational Reimbursement
This Benefits Summary serves as a reference of the available benefits to full-time and regular part-time Plains All American employees scheduled to work 30 or more
hours per week. Further details of the plans mentioned are available through Human Resources, Plains All American, P.O. Box 4648, Houston, Texas 77210. If you
have specific questions, call 866.809.1287 or locally 713.993.5287. If there is any conflict between the descriptions in this summary and the actual provisions of the
benefit plans, those provisions will be followed. The Company reserves the right to modify, amend, or terminate any of its benefit plans or practices at any time.
MEDICAL, PRESCRIPTION, AND DENTAL
UnitedHealthcare
Plains All American provides medical, dental and prescription coverage on
your first day of employment.
Medical*
You Pay
In-Network
Out-of-Network
$20
30% after deductible
Deductible
Individual
Family
$350
$1,000
$350
$1,000
Out-of-Pocket Maximum
Individual
Family
$2,000
$4,800
$2,200
$5,000
10%
30%
Office Visit Copay
Coinsurance
Prescription*
In-Network Pharmacy (You Pay)
Retail (30 day)
Mail Order (90 day)
Generic
$10 copay
$20 copay
Brand
$25 copay
$40 copay
Formulary
$40 copay
$65 copay
Dental*
You Pay
Annual Deductible Individual/Family
$50/$150
Diagnostic & Preventative
0%
Basic
20% after deductible
Major
50% after deductible
Maximum Benefit
Orthodontia (children to age 19)
$2,000 annually
50% up to $1,500 lifetime maximum
*Dependent coverage for children until their 26th birthday.
Specialty Drug Pharmacy Program
Specialty medications are generally administered through injection
or infusion, and treat rare or complex diseases that require clinical
management. These drugs are extremely expensive and may require
special handling, administration or monitoring. Plains All American
utilizes the OptumRx Specialty Drug Program.
Employee Monthly Contributions
Medical & Dental Combined
Employee Only
$125
Employee + Spouse
$245
Employee + Child(ren)
$220
Family
$325
VISION
Vision*
In-Network
Out-of-Network
Copays (12 months)
Exam
Material
$10 copay
$20 copay
Up to $45
See below
Lenses (12 months)
100% after copay
$30 - $65
Frames (12 months child; 24 months adult)
$140 allowance
Up to $70
Contacts (12 months)
$140 allowance
$105 - $210
*Dependent coverage for children until their 26th birthday.
Employee Monthly Contributions
Vision
Employee
$8.30
Employee +1
$11.74
Employee +2 or more
$20.78
FLEXIBLE SPENDING ACCOUNT
All deductions are on a pre-tax basis.
„„ Medical Reimbursement Plan - This plan is for payroll deductions for predictable health, dental, vision, and
hearing expenses not covered by other benefit plans up to $2,500. A Healthcare Spending Card is provided
for use at point of sale.
„„ Dependent Care Plan – This plan is for payroll deductions for predictable dependent care expenses with a
maximum of $5,000 (if you are married filing a joint return or you are head of a household) or $2,500 (if you
are married filing separate returns).
LIFE AND AD&D INSURANCE
Basic Life and AD&D
Plains All American provides Basic Life Insurance coverage equal to two times your annual salary. This coverage
is subject to a maximum of $140,000 for truck drivers and $500,000 for all other employees and is paid for by
the company. The Company also provides AD&D coverage equal to five times your annual salary to a maximum
of $350,000 for truck drivers and $500,000 for all other employees.
Voluntary Life
Plains All American offers Voluntary Life Insurance. You can receive up to $500,000 or five times your annual
salary (whichever is less) for employee coverage. Spousal coverage amount can be elected up to $250,000, and
child up to $10,000.
Voluntary AD&D
Plains All American offers Voluntary Accidental Death & Dismemberment Insurance. You can receive up to
$500,000 for employee coverage. Spouse and child coverage is based on a percentage of the employee’s
amount (10%-60%) dependent upon who is covered.
Short Term Disability
Holidays
The Company provides Short Term Disability Insurance
at no cost to you. This benefit provides 100% of your
base weekly earnings for six weeks, then 60% of base
earnings. This benefit duration is 180 days for truck
drivers and 90 days for all other employees.
„„ New Year’s Day
Long Term Disability
The Company provides Long Term Disability
Insurance at no cost to you. This benefit provides
60% of your monthly earnings to a maximum of
$3,500 per month after a waiting period of 180
days for truck drivers and $10,000 per month after a
waiting period of 90 days for all other employees.
Employee Assistance Program – Care24
Care24 provides resources to assist you with the
resolution of challenges involving health, personal,
family, financial, legal and work-related issues.
Care24 registered nurses and counselors are
available 24 hours a day at 1.888.887.4114.
401(k)
On your first day of employment you will be eligible
to participate in the Plains All American 401(k)
Plan. You may make pre-tax contributions of 1%50% of gross pay not to exceed the IRS maximum
($18,000 for 2015). The Company may match your
contributions with cash up to an aggregate of 6%.
Your before-tax account and the company match
account are both 100% vested at all times.
Rollover contributions may be accepted from
other qualified plans upon employment. Catch-up
contributions up to $6,000 as provided by the IRS
are allowed for employees age 50 and over or who
will be age 50 by year end and who are contributing
the maximum before tax contribution.
„„ Good Friday
„„ Memorial Day
„„ Independence Day
„„ Labor Day
„„ Thanksgiving Day and Friday after
„„ Christmas Eve
„„ Christmas Day
„„ Floating Holiday (1)
Vacation
Full-time employees accrue vacation hours each pay
period based on years-of-service.
Years of Service
Vacation Weeks
0 – 5 Years of Service
2 weeks
After 5 Years of Service
3 weeks
After 10 Years of Service
4 weeks
After 25 Years of Service
5 weeks
During the first year, a new employee’s accrual is
prorated from their hire date. Employees may carry
over up to 2 weeks of vacation into the following year.
Sick Leave
Full-time employees receive 80 hours of sick leave
per year. Drivers receive 100 hours per year. For
new employees sick time hours are pro-rated
based on hire date.
Credit Union
As a Plains All American employee, you are eligible to
participate in the Peoples Trust Federal Credit Union.
Educational Reimbursement
With management approval, employees who are
continuing their education may receive up to 100%
reimbursement for tuition and books after satisfactorily
completing courses leading to a degree (up to $5,250).