Administered by BlueCross BlueShield of Illinois (BCBSIL)

The Walsh Group provides medical insurance through BlueCross BlueShield of Illinois (BCBSIL) through a Preferred Provider Organization (PPO). The plan covers in-network preventive care at 100% and includes coverage for prescription drugs. See below for a high-level summary of how common services are covered under the plan. Rates are listed at the bottom of the chart.

SAVE MONEY WITH IN-NETWORK PROVIDERS
With this plan, you may visit any provider you choose; however, you will realize the greatest cost savings if you select a provider who is a member of the BCBSIL network. To find a network doctor, visit BCBSIL’s website at www.bcbsil.com.

The Walsh Group le ofrece seguro médico a través de BlueCross BlueShield of Illinois (BCBSIL) mediante una Organización de Proveedores Preferidos (PPO). El plan cubre atención preventiva dentro de la red al 100 % e incluye cobertura de medicamentos recetados. Vea a continuación un resumen general de los servicios más comunes cubiertos por el plan. Las tarifas se indican en la parte inferior de la tabla.

Administered by Prime Therapeutics

Prescriptions
As a medical plan member, you not only have prescription benefits, you also get access to several convenient cost-saving programs through Prime Therapeutics.

You can save time and money by ordering long-term medications through the Mail Order program.

• MyPrime.com: Provides a variety of tools that can help you learn more about your medication, estimate prescription drug costs and help you better communicate with your doctor about your prescription medication options.
• Express Scripts Pharmacy: A home delivery pharmacy that delivers more than your medication.
• Accredo: A specialty pharmacy that serves patients with complex and chronic health conditions.

Nuestros beneficios de medicamentos recetados se administran a través de Prime Therapeutics. Como miembro del plan médico, no solo tiene beneficios de medicamentos recetados, también tiene acceso a varios programas de ahorro de costos a través de Prime Therapeutics.

• MyPrime.com: proporciona una variedad de herramientas que pueden ayudarle a obtener más información sobre su medicamento, calcular los costos de los medicamentos recetados y ayudarlo a comunicarse mejor con su médico sobre sus opciones de medicamentos recetados.
• Express Scripts Pharmacy: una farmacia de entrega a domicilio que ofrece más que sus medicamentos.
• Accredo: una farmacia especializada que atiende pacientes con enfermedades complejas y crónicas.

Virtual doctor and licensed therapist visits save time and money! BCBSIL participants and covered dependents have access to non-emergency medical care through MDLIVE. You may speak with a board-certified doctor or licensed therapist immediately or schedule an appointment for telephonic or virtual visits. If a prescription is needed, one will be sent to a convenient pharmacy. MDLIVE doctors can help treat the following non-emergency conditions and more.

Adult Medical Care

• Allergies
• Asthma
• Nausea
• Sinus infections
• Cold/Flu
• Pediatric Medical Care
• Cold/Flu
• Ear Problems
• Pink Eye

MDLIVE also includes virtual sessions with a licensed behavioral health therapist by appointment. Get virtual care for:

• Depression
• Eating disorders
• ADHD
• Substance use disorders
• Trauma and PTSD
• Autism spectrum disorder

MOBILE APP

• Download the app from the Apple App Store, Google Play Store or Windows Store
• Open the app and choose a doctor
• Video chat with the doctor from your mobile device

TELEPHONE

• Call MDLIVE (888.676.4204)
• Speak with a health service specialist
• Speak with a doctor or therapist

WEBSITE

• Visit the website mdlive.com/bcbsil
• Choose a doctor or therapist
• Video chat with the doctor or therapist
• You can also access through Blue Access for Members at www.bcbsil.com

Administered by Delta Dental

The Walsh Group offers the Delta Dental PPO Plus Delta Dental Premier plan to help you maintain a clean and healthy smile. Utilize your fully covered exam and cleaning each year! Our plan includes coverage for preventive, basic, and major services.

The Walsh Group ofrece el plan Delta Dental PPO plus Delta Dental Premier para ayudarle a mantener una sonrisa limpia y saludable. ¡Haga un examen y una limpieza totalmente cubiertos cada año! Nuestro plan incluye cobertura para servicios preventivos, básicos y especializados.

Administered by UnitedHealthcare 

The Walsh Group offers vision coverage through UnitedHealthcare (UHC). Our plan provides you and your dependents with comprehensive vision coverage, including an allowance for either glasses or contact lenses.

STAY IN THE NETWORK TO SAVE MONEY
You will receive a greater benefit if you choose a provider from UHC’s vision network. When you visit vision providers who participate in the UHC network, you will receive up to a 20% discount on an additional pair of eyeglasses or contact lenses. This program is still available, even after the plan’s vision benefits have been exhausted for the year.

OUT-OF-NETWORK COVERAGE
If you choose to visit a provider who is not a member of the UHC network, you will be responsible for the entire balance due. You must file a claim to receive reimbursement from the plan. You will be reimbursed for the actual charges incurred, up to the maximum’s listed in the out-of-network column below.

The Walsh Group ofrece cobertura oftalmológica a través de UnitedHealthcare (UHC). Nuestro plan le brinda a usted y sus dependientes cobertura oftalmológica integral, incluida una asignación para anteojos o lentes de contacto.

Administered by EyeWeb

The safety of each employee is a key value for The Walsh Group, as such we offer a Prescription Safety Glasses Program for both management and trade employees. If you require prescription safety glasses for your work, you can now access them at walshgroup.eyewebsafety.com. Employees are eligible for this benefit after 30 days of continuous employment.  Click here (Español) to learn more.

Program Features:

• Available to all management and trade employees ($120 credit every other year)
• Approved safety glasses that meet industry standards
• Easy ordering process through EyeWeb

Administered by Chubb

You have the option of purchasing voluntary disability income insurance through Chubb. This policy can help protect your pay if you become ill or injured off the job.

Benefits begin the 8th day of an illness or injury. However, if the illness or injury results in admission to the hospital, coverage begins immediately. Keep in mind, this plan does not provide benefits if you become injured or sick while on the job.

During your new hire enrollment period only, enroll without answering medical questions!

Plan Feature Details

• Benefits begin after 7 days
• Coverage Amount: 60% of income
• Max Benefit Amount: $3,500 per month
• Max Period of Payment: 12 months

RATES FOR VOLUNTARY DISABILITY INSURANCE CAN BE FOUND IN BSWIFT

SEGURO DE INGRESOS POR DISCAPACIDAD VOLUNTARIO
Tiene la opción de comprar un seguro de ingresos por discapacidad a través de Chubb. Esta póliza puede ayudarlo a proteger su salario si se enferma o se lesiona fuera del trabajo.

Los beneficios comienzan el octavo día de una enfermedad o lesión. Sin embargo, si la enfermedad o lesión resulta en la admisión al hospital, la cobertura comienza de inmediato. Tenga en cuenta que este plan no proporciona beneficios si selesiona o se enferma mientras está en el trabajo.

CARACTERÍSTICA DEL PLAN

• Los beneficios comienzan después de 7 días
• Monto de cobertura 60% del ingreso
• Monto máximo del beneficio $3,500 por mes
• Período máximo de pago 12 meses

LAS TARIFAS DEL SEGURO DE INGRESOS POR DISCAPACIDAD VOLUNTARIO SE PUEDEN ENCONTRAR EN BSWIFT

Administered by John Hancock Retirement Plan Services

To be eligible to contribute to our 401(k) Savings Plan with John Hancock Retirement Plan Services, you must be 18 years of age or older, complete 3 months of service, and not be part of a collective bargaining (Union) agreement.

COMPANY MATCH
The company will match 100% of the first 4% you contribute to the plan, up to the maximum amount determined by the IRS.

CONTRIBUTIONS
Our plan gives you the option of contributing on a pre-tax basis or you can select to contribute to a Roth option in our plan. Employee over the age of 50 each year can contribute additional money by selecting what is referred to as the “catch-up” option.·

• The 2027 IRS limit is $25,000.
• If you are 50 or older, you are allowed an additional “catch-up ”contribution of $8,500 (2027 IRS limit).
• If you are 60, 61, 62, or 63 years of age, you are allowed an additional “super catch-up” contribution of $11,750 (2027 IRS limit).
• If your FICA (Social Security) wages from the prior year exceed $150,000, you will only be eligible to make Roth Catch-Up Contributions.

ROLLOVERS
Employees are eligible to rollover other qualified retirement money into our 401(k) Savings Plan prior to becoming eligible to contribute to our plan. If you wish to process a rollover into our plan please contact the John Hancock Consolidation Center at 800.555.5165.

QUESTIONS?
Any questions regarding the Walsh Group Profit Sharing Trust (401k Savings Plan) should be directed to John Hancock Retirement Plan Services at 800.294.3575.

PAID TIME OFF (PTO)
The Company understands the importance of providing employees with paid time away from work to support a healthy balance between professional and personal needs and responsibilities. The Company recognizes that employees have diverse needs for time off from work. Therefore, the Company has established a Paid Time Off (“PTO”) policy for eligible employees to meet personal needs. PTO may be used for any reason including, but not limited to, vacation, personal time and sick time.

SICK DAYS
The Company will provide paid sick leave benefits as mandated by federal, state, and municipal regulations to employees eligible under such regulations who are not eligible to receive Paid Time Off.

FAMILY & MEDICAL LEAVE
The current Family Medical Leave Act (FMLA) allows eligible employees to take a leave of absence for up to 12 weeks with or without pay. For more information regarding FMLA, please contact the Corporate Insurance Benefits Department.

INTERCAMBIO DE TIEMPO LIBRE REMUNERADO (PTO)
La compañía comprende la importancia de proporcionar a los empleados tiempo libre remunerado para apoyar un equilibrio saludable entre las necesidades y responsabilidades profesionales y personales. La compañía reconoce que los empleados tienen diversas necesidades de tiempo libre del trabajo.

Administered by MetLife

When you suffer an accident such as a burn or broken bone, Accident Insurance provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers, and can be used at your own discretion.

The Accident Plan pays benefits when you get treatment for an accidental injury. The plan pays for a long list of covered minor and serious injuries. You can use the benefits to help pay out-of-pocket medical costs or personal expenses. And every year that you complete a qualified health screening, you and your covered dependent(s) are eligible for a $50 Health Screening Benefit.

RATES FOR ACCIDENT INSURANCE CAN BE FOUND IN BSWIFT

SEGURO VOLUNTARIO DE ACCIDENTES
Si sufre un accidente, como una fractura o una quemadura, el seguro de accidentes le ofrece el beneficio de un pago único en efectivo según su lesión y el tratamiento que reciba. Estos beneficios se pagan además de lo que cubre su seguro médico y puede utilizarlos a su propia discreción.

El plan de accidentes paga beneficios cuando recibe tratamiento por una lesión accidental. El plan paga una larga lista de lesiones menores y graves cubiertas. Puede usar los beneficios para ayudar a pagar los costos médicos de bolsillo o los gastos personales. Y cada año que completa un examen de salud que califique, usted y sus dependientes cubiertos son elegibles para un beneficio de examen de salud de $50.

LAS TARIFAS DEL SEGURO DE ACCIDENTES SE PUEDEN ENCONTRAR EN BSWIFT

Administered by MetLife

Critical Illness Insurance provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries. Covered conditions include heart attack, major organ failure, kidney failure, stroke, cancer, and more. These benefits are paid on top of what your health insurance covers, and can be used at your own discretion. And every year that you complete a qualified health screening, you’re eligible for a $50 Health Screening Benefit.

During this enrollment period only, enroll without answering medical questions!

SEGURO VOLUNTARIO POR ENFERMEDAD GRAVE
El seguro por enfermedad grave a través de Aetna proporciona el beneficio de un pago único en efectivo para ayudar a pagar los gastos médicos de bolsillo o cualquier otra factura que necesite atención, incluido el alquiler o la compra de alimentos. Las enfermedades cubiertas incluyen infarto, falla de un órgano principal, insuficiencia renal, accidente cerebrovascular, cáncer, y otras. Estos beneficios se pagan además de lo que cubre su seguro médico y puede utilizarlos a su propia discreción. Cada año en que se realice un examen médico que califica, será elegible para un beneficio de examen médico de $50.

LAS TARIFAS DEL SEGURO DE ENFERMEDAD GRAVE SE PUEDEN ENCONTRAR EN BSWIFT

Administered by MetLife

Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare. And every year that you complete a qualified health screening, you’re eligible for a $50 Health Screening Benefit. You may choose between a Low Plan and a High Plan.

RATES FOR HOSPITAL INDEMNITY INSURANCE CAN BE FOUND IN BSWIFT

SEGURO VOLUNTARIO DE INDEMNIZACIÓN POR HOSPITALIZACIÓN
Incluso con un seguro médico, una hospitalización puede resultar costosa rápidamente, ya que los gastos de bolsillo empiezan a acumularse. El seguro de indemnización por hospitalización a través de Aetna puede reducir el estrés financiero y emocional de una hospitalización al proporcionar el beneficio de un pago único en efectivo directamente para usted que puede usar como lo necesite, ya sea para el coseguro o el cuidado de niños. Cada año en que se realice un examen médico que califica, será elegible para un beneficio de examen médico de $50.

Administered by Chubb

Advantage DNA (formerly Cancer Advocate Plus) through Chubb is a first-of-its-kind-genetics-based Cancer Insurance Program that customizes cancer care. More than advocacy - developed to help save lives. Advantage DNA is a personal, precise, and proactive way for you to manage your health. It combines Financial Protection and Cancer Care, including Genetic Cancer Screening, to help you determine your risk for cancer and Pharmacogenomic Testing to determine your best treatment based on your own DNA.

In addition to testing and treatment, Advantage DNA provides a dedicated Oncology Nurse Advocate to coordinate Clinical Trial Enrollment, Expert Medical Review, and so much more including financial protection, proactive cancer screening, cancer management, education & empowerment, and cancer recovery.

Diagnosis and Recovery Payments = $15,000*

• 1st Payment: $5,000 upon diagnosis
• 2nd Payment: $5,000 6 months after diagnosis
• 3rd Payment: $5,000 12 months after diagnosis

*Spouse's payments are 50% of these amounts and coverage is only available for employees and spouses (coverage is not available for children). 

RATES FOR CANCER ADVOCATE PLUS CAN BE FOUND IN BSWIFT

PERSONAL AND PRECISE CANCER MANAGEMENT BASED ON YOUR DNA

Understand your risk, your Cancer risk, and cover your finances.

ADVANTAGE DNA VOLUNTARIO
Advantage DNA (antes Cancer Advocate Plus) a través de Chubb es el primer programa de seguro contra el cáncer basado en la genética que personaliza la atención oncológica. Es más que apoyo, está desarrollado para ayudar a salvar vidas. Advantage DNA es una forma personal, precisa y preventiva de cuidar su salud. Combina protección financiera y atención oncológica, incluida la prueba genética de detección de cáncer, para poder determinar su riesgo de cáncer y pruebas farmacogenómicas para determinar el mejor tratamiento según su propio ADN.

Además de las pruebas y el tratamiento, Advantage DNA proporciona una defensoría de enfermería oncológica exclusiva para coordinar la inscripción en ensayos clínicos, revisiones médicas de expertos y mucho más, como protección financiera, detección preventiva del cáncer, tratamiento, educación y capacitación oncológicos, y la recuperación del cáncer.

LAS TARIFAS DE CANCER ADVOCATE PLUS SE PUEDEN ENCONTRAR EN BSWIFT

Administered by The Hartford

Life insurance not only helps provide financial security for your family, it also offers several other protections, including an infusion of cash for dealing with the adverse financial consequences of an unforeseen event. Life insurance enjoys several tax benefits, since death benefits are generally tax-free to the beneficiary.

BASIC TERM LIFE & AD&D INSURANCE
Non-union trade employees are provided a $10,000 term life insurance policy through The Hartford after 90 days of continuous employment. This benefit is 100% paid by the company. In order to be eligible, you must be enrolled in the Walsh Group medical plan.

SEGURO DE VIDA A TÉRMINO
El seguro de vida no solo ayuda a brindar seguridad financiera a su familia, también ofrece varias otras protecciones, incluido un monto en efectivo para afrontar las consecuencias financieras adversas de un acontecimiento imprevisto. El seguro de vida tiene varios beneficios fiscales, ya que los beneficios por fallecimiento generalmente están exentos de impuestos para el beneficiario.

SEGURO DE VIDA A TÉRMINO BÁSICO Y AD&D
Los empleados no sindicalizados reciben una póliza de seguro de vida a término de $10,000 a través de The Hartford después de 90 días de empleo continuo. La empresa paga el 100% de este beneficio. Para ser elegible, debe estar inscrito en el plan médico de Walsh Group.

Administered by Transamerica

Universal life insurance — also known as permanent life insurance — can help protect your family’s quality of life after you’re gone. But that’s just one of several benefits when you enroll. Universal life insurance offers greater flexibility than basic life insurance. In addition to the death benefit, universal life insurance allows you to build cash value — plus interest — over time. This cash value allows you to:

• Borrow against the cash value if you need money in a pinch and/or
• Use the cash value to cover the cost of your premiums down the road

Plus, if you’re diagnosed with a chronic condition that is expected to be permanent, this policy can help. It includes a feature that allows you to accelerate your death benefit to provide financial relief. The benefit can be used to pay for any expenses you may have, such as household or credit card bills, costs for an assisted living facility, or even for family members taking careof you — such as a spouse or child. In short, there are no restrictions on how you use the benefit. During this enrollment period, you can elect coverage without answering medical questions.

DOWNLOAD: BENEFITS AT A GLANCE

TransElite® is a flexible premium universal life insurance underwritten by Transamerica Life Insurance Company. It is designed to help provide financial protection for an employee's family in the event of death.

DOWNLOAD: LEARN MORE AND FAQS

DOWNLOAD: UNIVERSAL LIFE WITH CHRONIC CONDTION BENEFITS EXAMPLE PAYOUT FLYER

During your new hire enrollment period only, enroll without answering medical questions!

RATES FOR UNIVERSAL LIFE CAN BE FOUND IN BSWIFT

El seguro de vida universal, también conocido como seguro de vida permanente, puede proteger la calidad de vida de su familia después de que su fallecimiento. Pero ese es solo uno de varios beneficios cuando se inscribe en el seguro de vida universal a través de Transamerica. El seguro de vida universal ofrece mayor flexibilidad que el seguro de vida básico. Además del beneficio por muerte, el seguro de vida universal le permite acumular valor en efectivo, más intereses, con el tiempo. Este valor en efectivo le permite:

• Pedir prestado contra el valor en efectivo si necesita dinero en un apuro, y
• Usar el valor en efectivo para cubrir el costo de sus primas en el futuro

¡Durante este período de inscripción puede elegir la cobertura sin responder preguntas médicas!

LAS TARIFAS DEL SEGURO DE VIDA UNIVERSAL SE PUEDEN ENCONTRAR EN BSWIFT

Administered by ComPsych Guidance Resources

Personal problems, planning for life events, or simply managing daily life can affect your work, health, and family.

Our Employee Assistance Program (EAP), offered through ComPsych, is a no-cost, company-sponsored benefit that is available to you and your dependents that offers confidential support, resources, and information to get through life’s challenges.

Your EAP is a confidential counseling service to help address the personal issues you face. Service is staffed by experienced clinicians and is available by calling a toll-free phone line 24 hours a day, seven days a week. Once you call, a guidance consultant will refer you to a local counselor or to resources in your community.

• Information, referrals, and resources for work-life needs
• Free, confidential counseling
• Work-life solutions
• Financial information and resources
• Legal support and resources from experts
• GuidanceResources Online

PROGRAMA DE ASISTENCIA AL EMPLEADO
Los problemas personales, la planificación de acontecimientos de la vida o simplemente los asuntos de la vida diaria pueden afectar al trabajo, la salud y la familia. Nuestro Programa de Asistencia al Empleado (EAP), ofrecido a través de ComPsych, es un beneficio sin costo patrocinado por la empresa que está disponible para usted y sus dependientes que ofrece apoyo confidencial, recursos e información para superar los desafíos de la vida. Su EAP es un servicio de asesoramiento confidencial para ayudar a abordar los problemas personales que enfrenta. El servicio cuenta con personal clínico experimentado y está disponible llamando a una línea telefónica gratuita 24 horas al día, siete días a la semana. Cuando llame, un asesor le derivará a otro asesor de su localidad o a recursos en su comunidad. Este beneficio entra en vigencia en su fecha de contratación.

Administered by IdentityForce

Identity Theft is more common than we’d like to think. That’s why The Walsh Group provides the Identity Protection Program as a fully sponsored benefit at no charge to you. This benefit includes identity repair and restoration, identity theft monitoring, phone alerts, a one million dollar Identity theft insurance policy, lost wallet assistance, and credit monitoring.

To take advantage of IdentityForce ID, you need to enroll by calling 888.439.7453 or enroll online  HERE and provide the code IDFWALSH812019.

GRATIS PROTECCIÓN DE IDENTIDAD DE THE WALSH GROUP

El robo de identidad es más común de lo que nos gustaría creer. Por eso, The Walsh Group ofrece el programa de protección de identidad como un beneficio totalmente patrocinado sin cargo para usted. Este beneficio incluye reparación y recuperación de identidad, monitoreo de robo de identidad, alertas telefónicas, una póliza de seguro por robo de identidad de un millón de dólares, asistencia para pérdida de billetera y monitoreo de crédito.

Para aprovechar el ID de IdentityForce, debe inscribirse al llamar al 888.439.7453 o inscribirse en línea en myidentity.ezshield.com/identityforce y proporcionar el código IDFWALSH812019. Este beneficio entra en vigencia en su fecha de contratación.

Administered by MetLife Legal Plans

A legal plan can provide peace of mind. The MetLife Legal Plan is like having a team of more than 14,000 Network Attorneys on retainer. Whether you need to fight a traffic ticket, prepare a will or refinance your home, you can rest assured that you will have qualified and experienced lawyers on your side. This representation is available at $18.50 per month or $8.54 per pay period.

EXAMPLES OF COVERED SERVICES:

• Court appearances
• Document review and preparation
• Immigration
• Adoption/guardianship
• Divorce (up to 20 hours)
• Financial matters
• Real estate matters
• Wills

FOR MORE INFORMATION
Visit the MetLife Legal Plan website at info.legalplans.com and enter access code 9902024. You may also call our Client Service Center at 800.821.6400 from 8:00 a.m. to 8:00 p.m. (Eastern Time) Monday through Friday.

PLAN LEGAL
Un plan legal puede brindar tranquilidad. El plan legal de MetLife es como tener contratado un equipo de más de 14,000 abogados de la red. Tanto si necesita pelear contra una multa de tránsito, preparar un testamento o refinanciar su hogar, puede estar seguro de que contará con abogados calificados y experimentados. Esta representación está disponible a $18.50 por mes u $8.54 por período de pago.

EJEMPLOS DE SERVICIOS CUBIERTOS:

• Comparecencias ante el tribunal
• Revisión y preparación de documentos
• Inmigración
• Adopción/tutela legal
• Divorcio (hasta 20 horas)
• Asuntos financieros
• Asuntos de bienes raíces
• Testamentos

PARA OBTENER MÁS INFORMACIÓN
Visite el sitio web del Plan Legal de MetLife en info.legalplans.com e ingrese el código de acceso 9902024. Puede llamar a
nuestro Centro de Servicio alCliente al 800.821.6400 de 8:00 a.m. a 8:00 p.m. (hora del este) de lunes a viernes.

Administered by Figo

Choose from customized care plans, designed to help take good care of your dog or cat if unexpected injuries and illnesses occur. This will include deductible and reimbursement levels that best meet your needs, as well as optional add-ons like dental coverage. You can use the veterinarian of your choice for your pet’s care.

Visit Petinsurance.walshgroup.com or call 888.246.6918.

SEGURO PARA MASCOTAS
Elija entre planes de atención personalizada, diseñados para ayudar a cuidar de la mejor manera a su perro o gato en caso de que surjan lesiones y enfermedades inesperadas. Esto incluirá niveles de deducible y reembolso que se adapten mejor a sus necesidades, así como adicionales opcionales como cobertura dental. Puede usar el veterinario de su elección para el cuidado de su mascota.

Visite petinsurance.walshgroup.com o llame al 888.246.6918