Benefits Handbook

Impact on Benefits describes how taking an authorized unpaid leave of absence affects your benefits. Your participation in and certain service credit under many of the benefit plans can continue for up to the first 12 months of your authorized unpaid leave of absence. However, your participation in certain plans will be suspended when you start your leave.

Coverage continues with the same Company subsidy as active employees if you pay the required contributions on an after-tax basis. Medical coverage will be cancelled as a result of non-payment. (In some circumstances, COBRA medical coverage may be available.)

If you take an authorized unpaid leave of absence that is covered under the Family and Medical Leave Act, you may elect to continue your before-tax contributions to the plan by prepaying them for the period of the leave through the current plan year (otherwise, you will pay for the contributions monthly on an after-tax basis). To prepay before-tax contributions, you must authorize a lump-sum payroll deduction prior to the start of the leave.

Before-tax contributions will resume when you return to active employment, provided that you paid the required contributions while on leave.

If you do not pay the required contributions while on leave, medical coverage will be cancelled. If your coverage is cancelled, you can enroll in medical coverage if you have a qualified life event or during Annual Enrollment.

Coverage continues with the same Company subsidy as active employees if you pay the required contributions on an after-tax basis. Dental coverage will be cancelled as a result of non-payment. (In some circumstances, COBRA dental coverage may be available.)

If you take an authorized unpaid leave of absence that is covered under the Family and Medical Leave Act, you may elect to continue your before-tax contributions to the plan by prepaying them for the period of the leave through the current plan year (otherwise, you will pay for the contributions monthly on an after-tax basis). To prepay before-tax contributions, you must authorize a lump-sum payroll deduction prior to the start of the leave.

Before-tax contributions will resume when you return to active employment, provided that you paid the required contributions while on leave.

If you do not pay the required contributions while on leave, dental coverage will be cancelled. If your coverage is cancelled, you can enroll in dental coverage if you have a qualified life event or during Annual Enrollment.

Coverage continues if you pay the required contributions on an after-tax basis. Vision coverage will be cancelled as a result of non-payment. (In some circumstances, COBRA vision coverage may be available.)

If you take an authorized unpaid leave of absence that is covered under the Family and Medical Leave Act, you may elect to continue your before-tax contributions to the plan by prepaying them for the period of the leave through the current plan year (otherwise, you will pay for the contributions monthly on an after-tax basis). To prepay before-tax contributions, you must authorize a lump-sum payroll deduction prior to the start of the leave.

Before-tax contributions will resume when you return to active employment, provided that you paid the required contributions while on leave.

If you do not pay the required contributions while on leave, vision coverage will be cancelled. If your coverage is cancelled, you can enroll in vision coverage if you have a qualified life event or during Annual Enrollment.

Your before-tax contributions cease. (In some circumstances, COBRA participation may be available.)

Before-tax contributions will resume if you return to active employment in the same calendar year. The amount of your before-tax contributions will be recalculated and re-amortized for the remainder of the year to "catch-up" for your missed contributions while on unpaid leave. The balance of your annual election will be divided by your remaining pay dates, spreading the balance over the rest of your paychecks through the end of the year. This will increase your per pay period contribution upon return from unpaid leave. For example, suppose your annual election to the Health Care Flexible Spending Account is $1,200 and you are on an authorized unpaid leave from July 1 through November 1. You will have contributed $600 before you began leave and your contributions will stop while you are on leave. When you return to work, the remaining $600 of your annual election will be spread out over the paychecks you receive in November and December. Any eligible expenses you incur while on unpaid leave will be paid.

If you return to work in the following calendar year, you will be given a 30 day period from your return to work date to make a Health Care Flexible Spending Account election for the new calendar year.

Your before-tax contributions cease while you are on an authorized unpaid leave of absence. If you return to active employment in the same calendar year, your before-tax contributions will resume.

The amount of your before-tax contributions will be recalculated and re-amortized for the remainder of the year to "catch-up" for your missed contributions while on unpaid leave. The balance of your annual election will be divided by your remaining pay dates, spreading the balance over the rest of your paychecks through the end of the year. This will increase your per pay period contribution upon return from unpaid leave. For example, suppose your annual election to the Dependent Care Flexible Spending Account is $1,200 and you are on an authorized unpaid leave from July 1 through November 1. You will have contributed $600 before you began leave and your contributions will stop while you are on leave. When you return to work, the remaining $600 of your annual election will be spread out over the paychecks you receive in November and December.

If you return to work in the following calendar year, you will be given a 30 day period from your return to work date to make a Dependent Care Flexible Spending Account election for the new calendar year.

While you are on leave, you may continue to contribute to your Health Savings Account (HSA) if you remain covered by the $1,600 Deductible Plan or $3,200 Deductible Plan as your Medical Plan option, provided you are not covered by Medicare and meet all other eligibility criteria. However, your contributions to the HSA may be made directly to the HSA Administrator, during the leave. You may be able to claim a deduction when you file your taxes. Please consult your personal tax advisor. If you are enrolled in the $1,600 Deductible Plan or $3,200 Deductible Plan option and want to contribute to an HSA, you must contact the HSA Administrator directly.

Before-tax contributions will resume if you return to active employment in the same calendar year. The amount of your before-tax contributions will be recalculated and re-amortized for the remainder of the year to "catch-up" for your missed contributions while on unpaid leave. The balance of your annual election will be divided by your remaining pay dates, spreading the balance over the rest of your paychecks through the end of the year. This will increase your per pay period contribution upon return from unpaid leave. For example, suppose your annual election to the HSA is $1,200 and you are on an authorized unpaid leave from July 1 through November 1. You will have contributed $600 before you began leave and your contributions will stop while you are on leave. When you return to work, the remaining $600 of your annual election will be spread out over the paychecks you receive in November and December.

If you return to work in the following calendar year, before-tax contributions will resume provided that you elected to contribute in the HSA* during Annual Enrollment for the new calendar year.

Coverage is suspended during the authorized unpaid leave of absence and will resume when you return to active employment.

Coverage continues during the authorized unpaid leave of absence if you pay the required contributions on an after-tax basis, but for no longer than 48 months.

If you take an authorized unpaid leave of absence that's covered under the Family and Medical Leave Act, you may elect to continue your before-tax contributions by prepaying them for the period of the leave through the current plan year (otherwise, you will pay for the contributions monthly on an after-tax basis). To prepay before-tax contributions, you must authorize a lump-sum payroll deduction prior to the start of the leave. Coverage may continue during the course of the authorized unpaid leave for no longer than 48 months.

Before-tax contributions will resume when you return to active employment. If you do not pay the required contributions while on leave, Voluntary AD&D insurance coverage will be cancelled. If your coverage is cancelled, you can enroll in Voluntary AD&D coverage if you have a qualified life event or during Annual Enrollment.

Note: If you are not enrolled in Voluntary AD&D Insurance at the time of your unpaid leave and you return to work in the following calendar year, you will be given a 30 day period from your return to work date to make an election for Voluntary AD&D Insurance.

Group Variable Universal Life coverage may continue for up to the first 12 months of the authorized unpaid leave of absence, provided you pay the required contributions. Note: As long as you receive benefits under the Company's Basic Long Term Disability Plan, your Group Variable Universal Life coverage will continue while out on Long-Term Disability. No contributions for Group Variable Universal Life will be required during this period.

Your coverage will continue during Short Term Disability. The cost for continuing your Group Variable Universal Life will be deducted from your paycheck.

You may not enroll for or increase Group Variable Universal Life coverage during your leave.

Payroll deductions for coverage will resume when you return to active employment.

Basic Life Insurance continues for up to the first 12 months of the authorized unpaid leave of absence at no cost to you. If you are totally disabled, your coverage will continue for as long as you receive benefits under the Company's Basic Long Term Disability Plan.

Personal Life Insurance coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.

If you participate in the Personal Life Insurance Plan, you must contact Mercer Health & Benefits Administration at +1 800 225 2265 to resume payroll deductions for coverage when you return to active employment.

Coverage (and any related contributions) is suspended during the authorized unpaid leave of absence and will resume when you return to active employment.

Coverage under your Individual Disability Insurance policy may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by Unum with instructions on how to continue submitting plan contributions.

To resume payroll deductions for Individual Disability Insurance when you return to active employment, contact Unum to have payroll deductions re-started.

Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.

You must contact Mercer Health & Benefits Administration at +1 800 225 2265 to resume payroll deductions for coverage when you return to active employment.

Contributions are suspended during the leave of absence. (Service credit continues for up to the first 12 months of the leave of absence.) Loan repayments must continue.

Contributions will resume when you return to active employment

Special rules apply if you are on a military leave of absence.

Contributions are suspended during the leave of absence. (Service credit continues for up to the first 12 months of the leave of absence.) Loan repayments must continue.

Contributions will resume when you return to active employment.

Special rules apply if you are on a military leave of absence.

Contributions are suspended during the leave of absence, although you may keep your balance in the plan and it will continue to earn interest. Your balance will be used to buy shares at the end of the current quarterly purchase period, even if you have not yet returned to active employment by then.

Contributions will resume if you return to active employment.

Service credit towards eligibility for and vesting in the plan continues for up to the first 12 months of the leave of absence.

Your contributions cease. You are responsible for the cost of any transit pass you ordered.

You cannot purchase a transit pass or be reimbursed for expenses incurred during the leave of absence.

You must contact HealthEquity to re-elect your TRIP benefit when you return to active employment.

Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.

You must contact Mercer Health & Benefits Administration at +1 800 225 2265 to resume payroll deductions for coverage when you return to active employment.

Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.

You must contact Mercer Health & Benefits Administration at +1 800 225 2265 to resume payroll deductions for coverage when you return to active employment.

Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.

You must contact Mercer Health & Benefits Administration at +1 800 225 2265 to resume payroll deductions for coverage when you return to active employment.

Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions. You will be notified directly by the insurance carrier with instructions on how to continue submitting plan contributions.

You must contact Mercer Health & Benefits Administration at +1 800 225 2265 to resume payroll deductions for coverage when you return to active employment.

Coverage may continue during the authorized unpaid leave of absence provided you pay the required contributions.

After-tax contributions will resume when you return to active employment, provided that you paid the required contributions while on leave.

If you do not pay the required contributions while on leave, accident insurance, critical illness and hospital indemnity coverage will be cancelled. If your coverage is cancelled, you can enroll in accident insurance, critical illness and hospital indemnity coverage if you have a qualified life event or during Annual Enrollment.

Note: If you are not enrolled in accident insurance, critical illness and hospital indemnity coverage at the time of your unpaid leave and you return to work in the following calendar year, you will be given a 30 day period from your return to work date to make an election for accident insurance, critical illness and hospital indemnity coverage.

Access to MSK Direct continues during the authorized unpaid leave of absence.