2013 Benefits and Rates at a Glance - Aetna · 2013-10-11 · Aetna 2013 Benefits and...
Transcript of 2013 Benefits and Rates at a Glance - Aetna · 2013-10-11 · Aetna 2013 Benefits and...
2013 and 2014Benefits and Rates-At-a-GlanceFor Regular U.S. Employees
Please scroll down for 2014 information
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Aetna 2013 Benefits and Rates-at-a-Glance for Regular Employees (working 20 hours or more per week)
COMPANY-PAID BENEFITS1
Life Insurance
Business Accident Travel Insurance
Short Term Disability (STD)
Long Term Disability (LTD)
Paid Time Off (PTO) & Holidays
Wellness Works
OPTIONAL BENEFITS1 Medical Plans HRA 80 Plus HRA 80 HRA 80 Out-of-Network HSA 80 Plus HSA 80 Indemnity HSA 80 Dental Plans Dental Maintenance Organization (DMO®)
Dental PPO
Vision Benefits Aetna Vision PreferredSM Flexible Spending Accounts Health Care Dependent Care
Aetna Commuter Benefit Parking Mass Transit Wellness & Incentive Programs Healthy Lifestyles incentive program Medical Plan premium credits Wellness Reimbursement Program Adoption Assistance Program
Life Insurance Employee Supplemental Term Life Insurance Spouse/Partner Supplemental Term Life Insurance Child Term Life Insurance Accidental Death & Personal Loss (AD&PL) Insurance Employee Accidental Death & Personal Loss Insurance Spouse/Partner Accidental Death & Personal Loss Insurance Employee & Child(ren) Accidental Death & Personal Loss Insurance Employee, Spouse/Partner & Child(ren) Accidental Death & Personal Loss Insurance
Optional Long-Term Disability Insurance 10% Taxable Benefit
Financial Benefits 401(k) Plan Employee Stock Purchase Plan Employee Tuition Assistance Plan Financial Education Programs Aetna Voluntary Benefit Plans Voluntary Hospital Plan Critical Illness Plan Accident Insurance Plan
1 In general, US employees employed by Aetna or a participating company are eligible to participate in these benefit plans.
Aetna 2013 Benefits and Rates-at-a-Glance for Regular Employees (working 20 hours or more per week)
COMPANY PAID BENEFITS
Life Insurance Description
• 1x eligible pay or $50,000 (if eligible pay is more than $50,000); plan minimum is $10,000
Business Travel Accident Insurance Description
• An amount equal to the greater of $50,000 or 3x eligible pay to a maximum of $1,000,000
Short Term Disability (STD) Description
• One week waiting period • Up to 12 weeks of pay at 80% of base pay; and then up to 13 weeks of pay at 60% of base pay, if short-term disability benefits
continue to be approved
Long Term Disability (LTD) Description
• 50% of eligible pay (taxable benefit), up to a monthly maximum benefit of $15,000
Paid Time Off (PTO) & Holidays Description
• PTO: 18 to 28 days based on length of service (prorated if less than full-time) • Holidays: 8 company paid holidays
Wellness Works Description
Employee Work/Life Assistance Program • Offers a wide range of support services such as confidential counselling services, resources for elder care, child care, legal and financial matters, web-based information and more
Employee Assistance Program (EAP) • Up to 5 confidential counseling sessions for each household member
Simple Steps to A Healthier Life • Take a Health Assessment and on-line healthy living classes
Healthy Lifestyle Coaching/ Quit Tobacco Program
• Get one-on-one attention from a trained wellness coach to reach your health goals. If you’re a tobacco user, Aetna’s Tobacco Cessation Program is designed to help you quit the habit when you’re ready
Mind Body Stress Reduction Program • On-site and online stress reduction program
Employee Discount Program • There are a number of discounts that are available to you as an Aetna employee
Aetna 2013 Benefits and Rates-at-a-Glance for Regular Employees (working 20 hours or more per week)
OPTIONAL BENEFITS (shared cost or employee paid)
Medical Plans2 100% coverage for preventive care in-network for all Aetna medical plans 100% coverage for in-network, preventive eye exam every calendar year Aetna Performance Network offered and/or Aexcel in certain locations
Employer Contribution* Deductible** Coinsurance4
HSA 80 Plus Individual: $400/Family: $800 Individual: $1,600/Family: $3,200 80% (in-network)
HSA 80 Individual: $400/Family: $800 Individual: $1,800/Family: $3,600 80% (in-network)
Indemnity HSA 803 Individual: $400/Family: $800 Individual: $1,800/Family: $2,800 80%
Employer Contribution* Deductible Coinsurance4
HRA 80 Plus Individual: $400/Family: $800 Individual: $1,600/Family: $3,200 80% (in-network)
HRA 80 Individual: $400/Family: $800 Individual: $1,800/Family: $3,600 80% (in-network)
HRA 80 Out-of-Network3 Individual: $400/Family: $800 Individual: $ 900/Family: $1,800 80% * The employer contribution to the HRA Fund or HSA is prorated for mid-year entry into a plan ** The full family deductible must be met for the HSA plan of benefits to apply; there is no individual limit within the family deductible Dental Plans Description Deductible Coinsurance4
Dental Maintenance Organization (DMO®)2 • Network of Dentists • Must elect primary care dentist • No annual limit
No deductible
Preventive 100% Basic 90% Restorative 60% Orthodontics 75% (no lifetime maximum)
Description In-Network Deductible4 In-Network Coinsurance4
Dental PPO
• In-network and out-of-network coverage
• Annual Dental benefit max $2,000 • Lifetime Ortho maximum $2,000
($1,500 out-of-network)
Individual $ 50/year Family $150/year
Preventive 100% Basic 80% Restorative 60% Orthodontics 60% (50% out-of-network)
Vision Plan Description
Aetna Vision PreferredSM • Coverage for frames, lenses and contact lenses • Discounts on LASIK and additional pairs of glasses
2 As available in various areas 3 Available only if located outside a network area 4 Out-of-network benefits will be lower
Aetna 2013 Benefits and Rates-at-a-Glance for Regular Employees (working 20 hours or more per week)
OPTIONAL BENEFITS (continued)
Flexible Spending Accounts Annual Minimum Annual Maximum
Health Care $120 $2,500
Dependent Care $120 $5,000
Aetna Commuter Benefits Monthly Minimum Monthly Maximum
Transit $10 $125
Parking $10 $240 Life Insurance Description
Employee Supplemental Term Life Insurance5 1x to 5x eligible pay, up to maximum benefit of $3,000,000
Spouse/Partner Life Insurance5 $10,000 to $100,000 in $10,000 increments
Child(ren) Term Life $5,000; $10,000 or $15,000 Accidental Death & Personal Loss (AD&PL) Description
Employee 1x to 5x eligible pay to a maximum of $2,000,000
Dependent • Spouse/ Partner: 50% of employee’s optional AD&PL • Spouse/ Partner and Child(ren): 40% of employee’s optional AD&PL for spouse/partner and 5%
for each child • Child(ren) only: 25% of employee’s optional AD&PL for each child
Optional Long-Term Disability Description
Optional Long-Term disability • Additional 10% of eligible pay (taxable benefit) • Up to a monthly benefit maximum of $15,000
5 Some restrictions apply
Aetna 2013 Benefits and Rates-at-a-Glance for Regular Employees (working 20 hours or more per week)
OPTIONAL BENEFITS (continued)
Wealth Accumulation Description
Aetna 401(k) Plan6 Aetna Affiliate 401(k) Plan7
• Regular full-time and part-time employees and individuals employed by Aetna as temporary employees are eligible to participate
• Immediate eligibility for employee contributions • Company matching contributions
Employee Stock Purchase Plan • Discount off fair market value
Employee Tuition Assistance • $5,000 toward degree programs • $2,500 toward non-degree college course • Must be full time (40 hours) for $5,000 cap, otherwise $2,500 cap applies
Financial Education Programs • Onsite workshops and live webinars • No cost for one-on-one financial planning with certified financial planners from Financial Finesse • Full suite of tools and resources on the Financial Wellness Works website
Aetna Voluntary Benefit Plans (available through Aetna Benefits Advisor Marketplace) Description
Voluntary Hospital Plan
• Provides financial protection from out-of-pocket expenses associated with a medically necessary hospital admission
• The plan pays cash benefits directly to the participant to help pay for out-of-pocket medical expenses incurred during the hospital stay, including deductibles, day care costs, mortgage payments and other living expenses
• Benefit premiums are automatic – there are no claims forms to submit if you are enrolled in an Aetna medical plan
• Premiums are paid 100% by the employee through payroll deduction
Critical Illness Insurance Plan
• Pays cash benefits when the member or covered family member is diagnosed with a serious illness (such as heart attack, stroke or cancer)
• The plan helps pay out-of-pocket expenses associated with treatment and costs of living (such as rent, mortgage or day care costs)
• Benefits are paid directly to the participant in addition to any other medical coverage • Premiums are paid 100% by the employee through payroll deduction
Accident Insurance Plan
• Assists in covering out-of-pocket expenses associated with an accidental injury (such as dislocations, fractures and burns)
• The plan can also help protect your savings should an on- or off-the-job accidental injury occur • Benefits are paid directly to the participant in addition to any other medical coverage • Premiums are paid 100% by the employee through payroll deduction
6 In general, U.S. employees employed by Aetna or a participating company are eligible to participate in the Aetna 401(k) Plan. Meritain Health, Inc., ScripWorld, LLC and American Health Holding, Inc. (Prodigy) is not a participating company.
7 Employees of Prodigy companies are eligible to participate in the Aetna Affiliate 401(k) Plan.
Aetna 2013 Benefits and Rates-at-a-Glance for Regular Employees (working 20 hours or more per week)
OPTIONAL BENEFITS (continued)
Wellness & Incentive Programs Description
Healthy Lifestyles incentive program
• Earn up to $500 for employee and an additional $500 for family members • All benefits-eligible employees may participate, regardless of medical plan coverage • Incentives provided for:
• Tracking physical activity and healthy eating habits • Making progress in certain disease management programs (members only) • Completing 3 activities on the Member Health Engagement Plan (members only) • Completing a financial assessment and participating in a financial education class or
financial planning session offered through Aetna’s financial wellness program.
Medical Plan premium credits
• Medical plan premium credits are available to employees and their covered spouse/partner who are in an Aetna employee medical plan
• Credits available for: • Being in range for at least 3 of 5 metabolic syndrome risk factors; and • Being a non-tobacco user
Wellness Reimbursement Program • Up to $200 reimbursement for certain wellness expenses such as: gym memberships, exercise classes, fitness equipment, etc.
Adoption Assistance Program • Maximum $5,000 reimbursement for adoption expenses • Available to all benefits-eligible employees
Aetna 2013 Benefits and Rates-at-a-Glance for Regular Employees (working 20 hours or more per week)
Medical Plan Premium Credits Aetna currently offers two programs that you and your spouse/partner – if he/she is covered under your Aetna medical plan – can participate in that may allow you to earn premium credits on your 2013 medical plan contributions. One premium credit can be earned for each of the following: • You have not used tobacco products in the past 12 months and you complete the online attestation when you enroll in 2013 medical benefits • Your spouse/partner has not used tobacco products in the past 12 months and you complete the online attestation when you enroll in 2013 medical benefits • You participate in the voluntary metabolic syndrome testing for all five risk factors and your results show that you are in-range for at least three of the five risk factors • Your spouse/partner participates in the voluntary metabolic syndrome testing for all five risk factors and the results show that they are in-range for at least three of the five risk factors
Each premium credit earned is equal to $12.50 on a semi-monthly basis. You can earn up to two premium credits, and your spouse/partner – if he/she is covered under your Aetna medical plan – can earn up to an additional two premium credits. For more information on medical plan premium credits, refer to AccessHR. 2013 MEDICAL PLANS
Semi-Monthly Employee Contributions – Medical Plans
Medical Plans Premium Credits Earned
Annual Salary of less than $30,000 Annual Salary equal to $30,000 and less than $45,000
Annual Salary equal to $45,000 and less than $60,000
Employee Employee + Child(ren)
Employee + Spouse/Partner
Employee + Family Employee Employee +
Child(ren) Employee +
Spouse/Partner Employee +
Family Employee Employee + Child(ren)
Employee + Spouse/Partner
Employee + Family
HSA 80 Plus
0 1 2 3 4
$25.00 $12.50 $ 0.00
N/A N/A
$37.70 $25.20 $12.70
N/A N/A
$75.40 $62.90 $50.40 $37.90 $25.40
$88.10 $75.60 $63.10 $50.60 $38.10
$25.00 $12.50 $ 0.00
N/A N/A
$37.70 $25.20 $12.70
N/A N/A
$75.40 $62.90 $50.40 $37.90 $25.40
$88.10 $75.60 $63.10 $50.60 $38.10
$45.86 $33.36 $20.86
N/A N/A
$69.75 $57.25 $44.75
N/A N/A
$118.10 $105.60 $ 93.10 $ 80.60 $ 68.10
$141.50 $129.00 $116.50 $104.00 $ 91.50
HSA 80
0 1 2 3 4
$25.00 $12.50 $ 0.00
N/A N/A
$36.43 $23.93 $11.43
N/A N/A
$72.86 $60.36 $47.86 $35.36 $22.86
$84.29 $71.79 $59.29 $46.79 $34.29
$25.00 $12.50 $ 0.00
N/A N/A
$36.43 $23.93 $11.43
N/A N/A
$72.86 $60.36 $47.86 $35.36 $22.86
$84.29 $71.79 $59.29 $46.79 $34.29
$40.64 $28.14 $15.64
N/A N/A
$58.56 $46.06 $33.56
N/A N/A
$101.07 $ 88.57 $ 76.07 $ 63.57 $ 51.07
$118.62 $106.12 $ 93.62 $ 81.12 $ 68.62
HRA 80 Plus
0 1 2 3 4
$40.25 $27.75 $15.25
N/A N/A
$61.15 $48.65 $36.15
N/A N/A
$107.05 $ 94.55 $ 82.05 $ 69.55 $ 57.05
$127.90 $115.40 $102.90 $ 90.40 $ 77.90
$45.45 $32.95 $20.45
N/A N/A
$68.95 $56.45 $43.95
N/A N/A
$117.40 $104.90 $ 92.40 $ 79.90 $ 67.40
$140.90 $128.40 $115.90 $103.40 $ 90.90
$56.55 $44.05 $31.55
N/A N/A
$85.60 $73.10 $60.60
N/A N/A
$139.65 $127.15 $114.65 $102.15 $ 89.65
$168.65 $156.15 $143.65 $131.15 $118.65
HRA 80
0 1 2 3 4
$32.25 $19.75 $7.25
N/A N/A
$48.70 $36.20 $23.70
N/A N/A
$90.15 $77.65 $65.15 $52.65 $40.15
$106.60 $ 94.10 $ 81.60 $ 69.10 $ 56.60
$37.45 $24.95 $12.45
N/A N/A
$56.50 $44.00 $31.50
N/A N/A
$100.55 $ 88.05 $ 75.55 $ 63.05 $ 50.55
$119.60 $107.10 $ 94.60 $ 82.10 $ 69.90
$48.55 $36.05 $23.55
N/A N/A
$73.15 $60.65 $48,15
N/A N/A
$122.75 $110.25 $ 97.75 $ 85.25 $ 72.75
$147.35 $134.85 $122.35 $109.85 $ 97.35
Indemnity HSA 80
0 1 2 3 4
$25.00 $12.50 $ 0.00
N/A N/A
$46.42 $33.92 $21.42
N/A N/A
$92.91 $80.41 $67.91 $55.41 $42.91
$114.34 $101.84 $ 89.34 $ 76.84 $ 64.34
$25.00 $12.50 $ 0.00
N/A N/A
$46.42 $33.92 $21.42
N/A N/A
$92.91 $80.41 $67.91 $55.41 $42.91
$114.34 $101.84 $ 89.34 $ 76.84 $ 64.34
$51.72 $39.22 $26.72
N/A N/A
$87.96 $75.46 $62.96
N/A N/A
$149.25 $136.75 $124.25 $111.75 $ 99.25
$184.75 $172.25 $159.75 $147.25 $134.75
HRA 80 Out-of-Network
0 1 2 3 4
$28.15 $15.65 $ 3.15
N/A N/A
$43.00 $30.50
$ 18.00 N/A N/A
$82.85 $70.35 $57.85 $45.35 $32.85
$ 97.75 $ 85.25 $ 72.75 $ 60.25 $ 47.75
$33.65 $21.15 $ 8.65
N/A N/A
$51.25 $38.75 $26.25
N/A N/A
$93.85 $81.35 $68.85 $56.35 $43.85
$111.50 $ 99.00 $ 86.50 $ 74.00 $ 61.50
$45.40 $32.90 $20.14
N/A N/A
$68.85 $56.35 $43.85
N/A N/A
$117.35 $104.85 $ 92.35 $ 79.85 $ 67.35
$140.90 $128.40 $115.90 $103.40 $ 90.90
Aetna 2013 Benefits and Rates-at-a-Glance for Regular Employees (working 20 hours or more per week)
2013 Medical Plans (continued)
Semi-Monthly Employee Contributions – Medical Plans
Medical Plan Premium Credits Earned
Annual Salary equal to $60,000 and less than $90,000
Annual Salary equal to or more than $90,000 and less than $150,000
Annual Salary equal to or more than $150,000
Employee Employee + Child(ren)
Employee + Spouse/Partner
Employee + Family Employee Employee +
Child(ren) Employee +
Spouse/Partner Employee +
Family Employee Employee + Child(ren)
Employee + Spouse/Partner
Employee + Family
HSA 80 Plus
0 1 2 3 4
$50.95 $38.45 $25.95
N/A N/A
$76.65 $64.15 $51.65
N/A N/A
$127.30 $114.80 $102.30 $ 89.80 $ 77.30
$153.00 $140.50 $128.00 $115.50 $103.00
$69.22 $56.72 $44.22
N/A N/A
$107.95 $95.45 $82.95
N/A N/A
$169.10 $156.60 $144.10 $131.60 $119.10
$205.20 $192.70 $180.20 $167.70 $155.20
$97.95 $85.45 $72.95
N/A N/A
$147.10 $134.60 $122.10
N/A N/A
$221.30 $208.80 $196.30 $183.80 $171.30
$270.45 $257.95 $245.45 $232.95 $220.45
HSA 80
0 1 2 3 4
$44.46 $31.96 $19.46
N/A N/A
$63.74 $51.24 $38.74
N/A N/A
$107.97 $ 95.47 $ 82.97 $ 70.47 $ 57.97
$127.25 $114.75 $102.25 $ 89.75 $ 77.25
$58.16 $45.66 $33.16
N/A N/A
$87.21 $74.71 $62.21
N/A N/A
$139.32 $126.82 $114.32 $101.82 $ 89.32
$166.40 $153.90 $141.40 $128.90 $116.40
$79.71 $67.21 $54.71
N/A N/A
$116.57 $104.07 $ 91.57
N/A N/A
$178.47 $165.97 $153.47 $140.97 $128.47
$215.34 $202.84 $190.34 $177.84 $165.34
HRA 80 Plus
0 1 2 3 4
$61.15 $48.65 $36.15
N/A N/A
$92.50 $80.00 $67.50
N/A N/A
$148.80 $136.30 $123.80 $111.30 $ 98.80
$180.15 $167.65 $155.15 $142.65 $130.15
$82.05 $69.55 $57.05
N/A N/A
$123.85 $111.35 $ 98.85
N/A N/A
$190.60 $178.10 $165.60 $153.10 $140.60
$232.40 $219.90 $207.40 $194.90 $182.40
$108.15 $ 95.65 $ 83.15
N/A N/A
$163.00 $150.50 $138.00
N/A N/A
$242.85 $230.35 $217.85 $205.35 $192.85
$297.65 $285.15 $272.65 $260.15 $247.65
HRA 80
0 1 2 3 4
$53.15 $40.65 $28.15
N/A N/A
$80.05 $67.55 $55.05
N/A N/A
$131.95 $119.45 $106.95 $ 94.45 $ 81.95
$158.85 $146.35 $133.85 $121.35 $108.85
$74.05 $61.55 $49.05
N/A N/A
$111.40 $ 98.90 $ 86.40
N/A N/A
$173.75 $161.25 $148.75 $136.25 $123.75
$211.10 $198.60 $186.10 $173.60 $161.10
$100.15 $87.65 $75.15
N/A N/A
$150.55 $138.05 $125.55
N/A N/A
$225.95 $213.45 $200.95 $188.45 $175.95
$276.35 $263.85 $251.35 $238.85 $226.35
Indemnity HSA 80
0 1 2 3 4
$59.36 $46.86 $34.36
N/A N/A
$99.40 $86.90 $74.40
N/A N/A
$164.55 $152.05 $139.55 $127.05 $114.55
$204.39 $191.89 $179.39 $166.89 $154.39
$81.61 $69.11 $56.61
N/A N/A
$133.38 $120.88 $108.38
N/A N/A
$210.12 $197.62 $185.12 $172.62 $160.12
$261.79 $249.29 $236.79 $224.29 $211.79
$122.61 $110.11 $ 97.61
N/A N/A
$194.86 $182.36 $169.86
N/A N/A
$292.10 $279.60 $267.10 $254.60 $242.10
$364.35 $351.85 $339.35 $326.85 $314.35
HRA 80 Out-of-Network
0 1 2 3 4
$50.25 $37.75 $25.25
N/A N/A
$76.15 $63.65 $51.15
N/A N/A
$127.05 $114.55 $102.05 $ 89.55 $ 77.05
$153.00 $140.50 $128.00 $115.50 $103.00
$72.35 $59.85 $47.35
N/A N/A
$109.30 $ 96.80 $ 84.30
N/A N/A
$171.30 $158.80 $146.30 $133.80 $121.30
$208.25 $195.75 $183.25 $170.75 $158.25
$ 99.95 $ 87.45 $ 74.95
N/A N/A
$150.70 $138.20 $125.70
N/A N/A
$226.45 $213.95 $201.45 $188.95 $176.45
$277.25 $264.75 $252.25 $239.75 $227.25
Aetna 2013 Benefits and Rates-at-a-Glance for Regular Employees (working 20 hours or more per week)
2013 DENTAL PLANS
Semi-Monthly Employee Contributions – Dental Plans
Dental Plans Coverage Options
Employee Employee & Child(ren) Employee & Spouse/Partner Employee & Family
Dental Maintenance Organization (DMO) $6.75 $10.45 $14.10 $17.80
Dental PPO $15.05 $23.15 $31.25 $39.35
Dental Plan of ND and SC $15.05 $23.15 $31.25 $39.35
2013 VISION PLAN
Semi-Monthly Employee Contributions – Vision Plan Vision Plan Coverage Options
Employee Employee & Child(ren) Employee & Spouse/Partner Employee & Family
Aetna Vision PreferredSM $1.82 $3.63 $3.45 $5.35
Aetna 2013 Benefits and Rates-at-a-Glance for Regular Employees (working 20 hours or more per week)
2013 LIFE INSURANCE, AD&PL and LONG-TERM DISABILITY
Employee Supplemental Term Life Insurance
Options Monthly Employee Rates (per $1,000 of coverage)* 1x to 5x eligible pay
Age <24 24-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+
Tobacco $0.060 $0.060 $0.080 $0.090 $0.126 $0.227 $0.381 $0.599 $0.948 $1.701 $2.884 Non-tobacco $0.041 $0.048 $0.064 $0.072 $0.080 $0.135 $0.207 $0.387 $0.594 $1.118 $1.854 *Monthly cost = Eligible Pay Rounded to the next $1,000 X Multiple of Eligible Pay (1,2,3,4 or 5) = _________ / $1,000 = _________ X Monthly Employee Rate above
Spouse/Partner Supplemental Term Life Insurance
Options Monthly Employee Rates (per $1,000 of coverage) $10,000 to $100,000**
Age <24 24-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+
Tobacco $0.07 $0.07 $0.09 $0.12 $0.17 $0.29 $0.49 $0.78 $1.23 $2.22 $3.97 Non-tobacco $0.05 $0.06 $0.08 $0.09 $0.12 $0.22 $0.33 $0.54 $0.85 $1.53 $2.76 **increments of $10,000 only
Child Term Life Insurance
Options Monthly Employee Rate
$5,000 $0.54
$10,000 $1.08
$15,000 $1.62
Accidental Death and Personal Loss (AD&PL) Insurance
Options Monthly Employee Rate (per $1,000 of coverage)
1x to 5x eligible pay
($2,000,000 maximum)
Employee $0.016
Employee and Spouse/ Partner $0.032
Employee and Child(ren) $0.024
Employee, Spouse/ Partner and Child(ren) $0.032
Long-Term Disability (LTD) Insurance
Additional Options Monthly Employee Rates ***
10% taxable benefit
Age <24 24-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65+
$0.061 $0.074 $0.101 $0.118 $0.170 $0.236 $0.323 $0.380 $0.432 $0.362 *** Monthly cost = Eligible pay ÷ 12 = _______ ÷ 100 = _______ x Monthly Employee Rate above
COMPANY-PAID BENEFITS1
Paid Time Off (PTO) & Holidays Long-Term Disability (LTD)
Life Insurance Adoption Assistance Program
Business Travel Accident Insurance Employee Work/Life Assistance Program
Short-Term Disability (STD) Employee Assistance Program
OPTIONAL BENEFITS1
Aetna 2014 Benefits and Rates-at-a-Glance for Regular U.S. Employees (working 20 hours or more per week)
Medical Plans
Open Access Select HSA 80
HealthFund HSA 80
HealthFund HRA 80
Whole Health HSA 80 (Houston, TX & Phoenix, AZ)
HealthFund HRA 80 Out-of-Network
Dental Plans
Dental Maintenance Organization (DMO®)
Dental PPO
Dental Plan of ND and SC
Vision Benefits
Aetna Vision PreferredSM
Flexible Spending Accounts
Health Care
Dependent Care
Aetna Commuter Benefit
Parking
Mass Transit
Life Insurance
Employee Supplemental Term Life Insurance
Spouse/Partner Supplemental Term Life Insurance
Child Term Life Insurance
Accidental Death & Personal Loss (AD&PL) Insurance
Employee Accidental Death & Personal Loss Insurance
Spouse/Partner Accidental Death & Personal Loss Insurance
Employee & Child(ren) Accidental Death & Personal Loss Insurance
Employee, Spouse/Partner & Child(ren) Accidental Death & Personal Loss Insurance
Optional Long-Term Disability Insurance
10% Taxable Benefit
Financial Benefits
401(k) Plan
Employee Stock Purchase Plan
Employee Tuition Assistance Program
Financial Education Programs
Aetna Voluntary Benefit Plan
Voluntary Hospital Plan
Critical Illness Plan
Accident Insurance Plan
Identity Theft Protection
Legal Plan
Wellness & Incentive Programs
Healthy Lifestyles Incentive Program
Medical Plan Premium Credits
Wellness Reimbursement Program
Financial Wellness Program
Welvie Surgical Review Incentive
Employee Discount Program
1In general, U.S. employees employed by Aetna or a participating company are eligible to participate in these benefit plans.
COMPANY PAID BENEFITS
Paid Time Off (PTO) & Holidays Description
• PTO: 18 to 28 days based on length of service (prorated if less than full-time)
• Holidays: 8 company paid holidays
Life Insurance Description
• 1x eligible pay. If eligible pay is over $50,000, employees can elect to cap life insurance at $50,000. Plan minimum is $10,000.
Business Travel Accident Insurance Description
• An amount equal to the greater of $50,000 or 3x eligible pay to a maximum of $1,000,000
Short-Term Disability (STD) Description
• For new hires, benefit becomes effective on the 1st day of the month following 60-day waiting period
• One week waiting period before STD benefits are payable
• Up to 12 weeks of pay at 80% of base pay; and then up to 13 weeks of pay at 60% of base pay, if short-term disabilitybenefits continue to be approved
Long-Term Disability (LTD) Description
• For new hires, benefit becomes effective on the 1st day of the month following 60-day waiting period
• 26-week waiting period before LTD benefits are payable
• 50% of eligible pay (taxable benefit), up to a monthly maximum benefit of $15,000
Adoption Assistance Program Description
• Maximum $5,000 reimbursement for adoption expenses
• Available to all benefits-eligible employees
Employee Work/Life Assistance Program Description
• Offers a wide range of support services such as confidential counselling services, resources for elder care, child care, legal and financial matters, web-based information and more
Employee Assistance Program Description
• Up to 5 confidential counseling sessions for each household member
Aetna 2014 Benefits and Rates-at-a-Glance for Regular U.S. Employees (working 20 hours or more per week)
OPTIONAL BENEFITS (shared cost or employee paid)
100% coverage for in-network preventive care and an in-network, preventive eye exam every calendar year for all medical plans
Telephone consults available 24/7 through the Teladoc® networkMedical Plans2
Aetna Performance Network and Aexcel® offered in certain locations
Aetna Whole Health HSA plans (Accountable Care Organizations) offered in Houston, TX and Phoenix, AZ only
Employer Contribution* Deductible** Coinsurance4
Open Access Select HSA 80 Individual: $400/Family: $800 Individual: $1,300/Family: $2,600 80% (in-network)
HealthFund HSA 80 Individual: $400/Family: $800 Individual: $1,600/Family: $3,200 80% (in-network)
HealthFund HRA 80 Individual: $400/Family: $800 Individual: $1,600/Family: $3,200 80% (in-network)
Whole Health HSA 80 (Houston, TX & Phoenix, AZ) Individual: $400/Family: $800 Individual: $1,300/Family: $2,600 80% (in-network)
HRA 80 Out-of-Network3 Individual: $400/Family: $800 Individual: $1,300/Family: $2,600 80%
*The employer contribution to the HRA Fund or HSA is prorated for mid-year entry into a plan
**The full family deductible must be met for the HSA plan of benefits to apply; there is no individual limit within the family deductible2As available in various areas3Available only if located outside a network area4Out-of-network benefits will be lower
Dental Plans
Description Deductible Coinsurance4
Dental Maintenance • Network of dentists No deductible Preventive 100%Organization (DMO®)2 • Must elect primary care dentist Basic 90%
• No annual limit Restorative 60%Orthodontics 75% (no lifetime maximum)
Description In-Network Out-of-Network In-Network Out-of NetworkDeductible4 Deductible Coinsurance4 Coinsurance
Dental PPO • In-network and out-of-network coverage Individual $50/yr Individual $100/yr Preventive 100% Preventive 100%• Annual dental benefit maximum $2,000 Family $150/yr Family $300/yr Basic 80% Basic 60%• Lifetime orthodontic maximum $2,000 Restorative 60% Restorative 50%
($1,500 out-of-network) Orthodontics 60% Orthodontics 50%
Dental Plan of ND and SC • In-network and out-of-network coverage Individual $50/yr Individual $50/yr Preventive 100% Preventive 100%• Annual dental benefit maximum $2,000 Family $150/yr Family $150/yr Basic 80% Basic 80%• Lifetime orthodontic maximum $2,000 Restorative 60% Restorative 60%
Orthodontics 60% Orthodontics 60%
2As available in various areas4Out-of-network benefits will be lower
Aetna 2014 Benefits and Rates-at-a-Glance for Regular U.S. Employees (working 20 hours or more per week)
OPTIONAL BENEFITS (continued)
Vision Plan Description
Aetna Vision PreferredSM • Coverage for frames, lenses and contact lenses• Discounts on LASIK and additional pairs of glasses
Flexible Spending Accounts Annual Minimum Annual Maximum
Health Care $120 $2,500Dependent Care $120 $5,000
Aetna Commuter Benefits Monthly Minimum Monthly Maximum
Transit $10 $245Parking $10 $245
Life Insurance Description
Employee Supplemental Term Life Insurance5 1x to 6x eligible pay, up to maximum benefit of $3,000,000
Spouse/Partner Life Insurance5 $10,000 to $100,000 in $10,000 increments, $150,000, $250,000
Child(ren) Term Life $10,000, $15,000 or $20,000
5Some restrictions apply
Accidental Death & Personal Loss (AD&PL) Description
Employee 1x to 6x eligible pay to a maximum of $2,000,000
Dependent • Spouse/Partner: 50% of employee’s optional AD&PL• Spouse/Partner and Child(ren): 40% of employee’s optional AD&PL for spouse/partner and 5% for each child• Child(ren) only: 25% of employee’s optional AD&PL for each child
Optional Long-Term Disability Description
Optional Long-Term Disability • For new hires, benefit becomes effective on the 1st day of the month following 60-day waiting period• Additional 10% of eligible pay (taxable benefit) • Up to a monthly benefit maximum of $15,000
Aetna 2014 Benefits and Rates-at-a-Glance for Regular U.S. Employees (working 20 hours or more per week)
OPTIONAL BENEFITS (continued)
Financial Benefits Description
Aetna 401(k) Plan6 • Regular full-time and part-time employees and individuals employed by Aetna as temporary employees are eligibleto participate
Aetna Affiliate 401(k) Plan7 • Immediate eligibility for employee contributions• Company matching contributions
Employee Stock Purchase Plan • Discount off fair market value
Employee Tuition Assistance • $5,000 toward degree programs• $2,500 toward non-degree college course• Must be full time (40 hours) for $5,000 cap, otherwise $2,500 cap applies
Financial Education Programs • Onsite workshops and live webinars• No cost for one-on-one consultations with a retirement specialist or a certified financial planner• Full suite of tools and resources on the Financial Wellness Works website
6In general, U.S. employees employed by Aetna or a participating company are eligible to participate in the Aetna 401(k) Plan. Meritain Health, Inc., ScripWorld, LLC and American Health Holding, Inc. (Prodigy) are not
participating companies.
7Employees of Prodigy companies are eligible to participate in the Aetna Affiliate 401(k) Plan.
Aetna Voluntary Benefit Plans Description
(available through Aetna Benefits Advisor Marketplace)
Voluntary Hospital Plan • Provides financial protection from out-of-pocket expenses associated with a medically necessary hospital admission• The plan pays cash benefits directly to the participant to help pay for out-of-pocket medical expenses incurred
during the hospital stay, including deductibles, day care costs, mortgage payments and other living expenses• Benefit premiums are automatic — there are no claims forms to submit if you are enrolled in an Aetna medical plan• Premiums are paid 100% by the employee through payroll deduction
Critical Illness Insurance Plan • Pays cash benefits when the member or covered family member is diagnosed with a serious illness (such as heart attack, stroke or cancer)
• The plan helps pay out-of-pocket expenses associated with treatment and costs of living (such as rent, mortgage or day care costs)
• Benefits are paid directly to the participant in addition to any other medical coverage• Premiums are paid 100% by the employee through payroll deduction
Accident Insurance Plan • Assists in covering out-of-pocket expenses associated with an accidental injury (such as dislocations, fractures and burns)
• The plan can also help protect your savings should an on- or off-the-job accidental injury occur• Benefits are paid directly to the participant in addition to any other medical coverage• Premiums are paid 100% by the employee through payroll deduction
Identity Theft Protection • Two levels of protection for personal information1. Identity Theft Protection— proactively safeguards personal information and send alerts of potential threats.2. Ultimate — most comprehensive identity theft protection service and includes monitoring of new and existing
checking and savings accounts.• Premiums are paid 100% by the employee through payroll deduction
Aetna 2014 Benefits and Rates-at-a-Glance for Regular U.S. Employees (working 20 hours or more per week)
OPTIONAL BENEFITS (continued)
Legal Plan Description
(available through Hyatt)
Legal Plan • Provides a wide range of legal advice and fully covered legal services for employee and eligible dependents. • The plan has a national network of over 12,000 attorneys. If a network attorney is used, covered legal services are
provided with no additional attorney fees. If a non-plan attorney is used, the plan will pay fees as determined by the plan’s fee schedule.
• Locate plan attorneys and legal information on Hyatt Legal Plan’s website on info.legalplans.com and enter the password “6090137” under the heading “Thinking about Enrolling,” or call 1-800-821-6400.
• Premiums are paid 100% by the employee through payroll deduction
Wellness & Incentive Programs Description
Healthy Lifestyles Incentive Program • Earn up to $500 for employee and an additional $500 for family members• Incentives are paid based on medical plan selection:
� If you have an HRA plan, incentives are paid into the HealthFund� If you have an HSA plan, you will elect if you want your incentives paid into your HSA account or paycheck
(taxes apply) during annual enrollment (default is HSA)� If you have waived medical coverage, you will receive your incentives in your paycheck (taxes apply)
• All benefits-eligible employees may participate, regardless of medical plan coverage• Incentives provided for:
� Tracking physical activity, healthy eating habits and other activities related to well-being� Completing three sessions with a Healthy Lifestyle Coach� Completing a financial assessment and participating in a financial education class or financial planning session � offered through Aetna’s financial wellness program
Medical Plan Premium Credits • Medical plan premium credits are available to employees and their covered spouse/partner who are in an Aetna employee medical plan
• Up to $600 in credits available for each covered employee and spouse/partner for:� Being in range for at least 3 of 5 metabolic syndrome risk factors, or, if not in range, completing an alternative
wellness program in 2014 (newly hired employees only need to participate in testing); and� Being a non-tobacco user
Wellness Reimbursement Program • Up to $200 reimbursement for certain wellness expenses such as: gym memberships, exercise classes, fitness equipment, pedometers/devices, etc.
Financial Wellness Program • A financial wellness website full of information and tips on maintaining good financial health
Welvie Incentive • A tool that helps you decide if you need elective surgery • Provides guidance on how to talk to your doctor about and possible alternatives to consider before actually
electing surgery • Earn a $25 incentive if you use the tool and complete a survey, whether or not you choose to elect surgery
Employee Discount Program • There are a number of discounts that are available to you as an Aetna employee
Aetna 2014 Benefits and Rates-at-a-Glance for Regular U.S. Employees (working 20 hours or more per week)
Medical Plan Premium Credits
Aetna currently offers two programs that you and your spouse/partner — if he/she is covered under your Aetna medical plan — can participate in that may allow you to earn premium credits on your2014 medical plan contributions.
Premium credits can be earned for each of the following:
• You and/or your spouse/partner have not used tobacco products in the past 12 months and you complete the online attestation
• You and/or your spouse/partner participate in the voluntary metabolic syndrome testing for all five risk factors and your results show that you are in range for at least three of the five risk factors
(Newly hired/eligible employees and their spouse/partner only need to participate in the voluntary metabolic syndrome testing program to receive credit for their first year in the medical plan)
Each premium credit earned is equal to $12.50 on a semi-monthly basis. You can earn up to two premium credits, and your spouse/partner — if he/she is covered under your Aetna medical plan — canearn up to an additional two premium credits. For more information on medical plan premium credits, refer to AccessHR.
2014 MEDICAL PLAN RATES
Semi-Monthly Employee Contributions — Medical Plans
Annual Salary of less than $45,000 Annual Salary equal to $45,000 and less than $60,000
Medical Plans Premium Employee Employee + Employee + Employee + Employee + Employee + Employee + Credits Child(ren) Spouse/Partner Family Employee Child(ren) Spouse/Partner FamilyEarned
Select HSA 0 $44.60 $68.70 $117.80 $141.90 $57.75 $88.40 $144.10 $174.751 $32.10 $56.20 $105.30 $129.40 $45.25 $75.90 $131.60 $162.252 $19.60 $43.70 $92.80 $116.90 $32.75 $63.40 $119.10 $149.753 N/A N/A $80.30 $104.40 N/A N/A $106.60 $137.254 N/A N/A $67.80 $91.90 N/A N/A $94.10 $124.75
HSA 80 0 $25.00 $38.05 $76.10 $89.10 $34.65 $52.55 $95.40 $113.251 $12.50 $25.55 $63.60 $76.60 $22.15 $40.05 $82.90 $100.752 $0.00 $13.05 $51.10 $64.10 $9.65 $27.55 $70.40 $88.253 N/A N/A $38.60 $51.60 N/A N/A $57.90 $75.754 N/A N/A $26.10 $39.10 N/A N/A $45.40 $63.25
HRA 80 0 $32.00 $49.05 $91.15 $108.25 $45.15 $68.80 $117.45 $141.151 $19.50 $36.55 $78.65 $95.75 $32.65 $56.30 $104.95 $128.652 $7.00 $24.05 $66.15 $83.25 $20.15 $43.80 $92.45 $116.153 N/A N/A $53.65 $70.75 N/A N/A $79.95 $103.654 N/A N/A $41.15 $58.25 N/A N/A $67.45 $91.15
Whole Health 0 $27.50 $41.80 $81.10 $95.35 $37.15 $56.30 $100.40 $119.50HSA 80 plans 1 $15.00 $29.30 $68.60 $82.85 $26.65 $43.80 $87.90 $107.00
2 $2.50 $16.80 $56.10 $70.35 $12.15 $31.30 $75.40 $94.503 N/A N/A $43.60 $57.85 N/A N/A $62.90 $82.004 N/A N/A $31.10 $45.35 N/A N/A $50.40 $69.50
HRA 80 0 $28.25 $43.55 $83.85 $99.20 $41.65 $63.65 $110.65 $132.65Out-of-Network 1 $15.75 $31.05 $71.35 $86.70 $29.15 $51.15 $98.15 $120.15
2 $3.25 $18.55 $58.85 $74.20 $16.65 $38.65 $85.65 $107.653 N/A N/A $46.35 $61.70 N/A N/A $73.15 $95.154 N/A N/A $33.85 $49.20 N/A N/A $60.65 $82.65
Aetna 2014 Benefits and Rates-at-a-Glance for Regular U.S. Employees (working 20 hours or more per week)
Aetna 2014 Benefits and Rates-at-a-Glance for Regular U.S. Employees (working 20 hours or more per week)
2014 MEDICAL PLAN RATES
Semi-Monthly Employee Contributions — Medical Plans
Annual Salary equal to Annual Salary equal to or more than$60,000 and less than $90,000 $90,000 and less than $150,000
Medical Plans Premium Employee Employee + Employee + Employee + Employee + Employee + Employee + Credits Child(ren) Spouse/Partner Family Employee Child(ren) Spouse/Partner FamilyEarned
Select HSA 0 $62.70 $95.85 $154.00 $187.15 $85.35 $129.80 $199.30 $243.751 $50.20 $83.35 $141.50 $174.65 $72.85 $117.30 $186.80 $231.252 $37.70 $70.85 $129.00 $162.15 $60.35 $104.80 $174.30 $218.753 N/A N/A $116.50 $149.65 N/A N/A $161.80 $206.254 N/A N/A $104.00 $137.15 N/A N/A $149.30 $193.75
HSA 80 0 $39.60 $60.00 $105.30 $125.65 $62.25 $93.95 $150.60 $182.251 $27.10 $47.50 $92.80 $113.15 $49.75 $81.45 $138.10 $169.752 $14.60 $35.00 $80.30 $100.65 $37.25 $68.95 $125.60 $157.253 N/A N/A $67.80 $88.15 N/A N/A $113.10 $144.754 N/A N/A $55.30 $75.65 N/A N/A $100.60 $132.25
HRA 80 0 $50.10 $76.20 $127.35 $153.50 $72.75 $110.20 $172.65 $210.151 $37.60 $63.70 $114.85 $141.00 $60.25 $97.70 $160.15 $197.652 $25.10 $51.20 $102.35 $128.50 $47.75 $85.20 $147.65 $185.153 N/A N/A $89.85 $116.00 N/A N/A $135.15 $172.654 N/A N/A $77.35 $103.50 N/A N/A $122.65 $160.15
Whole Health 0 $42.10 $63.75 $110.30 $131.90 $64.75 $97.70 $155.60 $188.50HSA 80 plans 1 $29.60 $51.25 $97.80 $119.40 $52.25 $85.20 $143.10 $176.00
2 $17.10 $38.75 $85.30 $106.90 $39.75 $72.70 $130.60 $163.503 N/A N/A $72.80 $94.40 N/A N/A $118.10 $151.004 N/A N/A $60.30 $81.90 N/A N/A $105.60 $138.50
HRA 80 0 $46.70 $71.20 $120.75 $145.25 $69.80 $105.85 $166.95 $230.00Out-of-Network 1 $34.20 $58.70 $108.25 $132.75 $57.30 $93.35 $154.45 $190.50
2 $21.70 $46.20 $95.75 $120.25 $44.80 $80.85 $141.95 $178.003 N/A N/A $83.25 $107.75 N/A N/A $129.45 $165.504 N/A N/A $70.75 $95.25 N/A N/A $116.95 $153.00
Aetna 2014 Benefits and Rates-at-a-Glance for Regular U.S. Employees (working 20 hours or more per week)
2014 MEDICAL PLAN RATES
Semi-Monthly Employee Contributions — Medical Plans
Annual Salary equal toor more than $150,000
Medical Plans Premium Employee Employee + Employee + Employee + Credits Child(ren) Spouse/Partner FamilyEarned
Select HSA 0 $113.65 $172.25 $255.90 $314.501 $101.15 $159.75 $243.40 $302.002 $88.65 $147.25 $230.90 $289.503 N/A N/A $218.40 $277.004 N/A N/A $205.90 $264.50
HSA 80 0 $90.55 $136.40 $207.20 $253.001 $78.05 $123.90 $194.70 $240.502 $65.55 $111.40 $182.20 $228.003 N/A N/A $169.70 $215.504 N/A N/A $157.20 $203.00
HRA 80 0 $101.05 $152.60 $229.25 $280.851 $88.55 $140.10 $216.75 $268.352 $76.05 $127.60 $204.25 $255.853 N/A N/A $191.75 $243.354 N/A N/A $179.25 $230.85
Whole Health 0 $93.05 $140.15 $212.20 $259.25HSA 80 plans 1 $80.55 $127.65 $199.70 $246.75
2 $68.05 $115.15 $187.20 $234.253 N/A N/A $174.70 $221.754 N/A N/A $162.20 $209.25
HRA 80 0 $98.65 $149.15 $224.65 $275.15Out-of-Network 1 $86.15 $136.65 $212.15 $262.65
2 $73.65 $124.15 $199.65 $250.153 N/A N/A $187.15 $237.654 N/A N/A $174.65 $225.15
Aetna 2014 Benefits and Rates-at-a-Glance for Regular U.S. Employees (working 20 hours or more per week)
2014 DENTAL PLAN RATES
Semi-Monthly Employee Contributions — Dental Plans
Dental Plans Coverage Options
Employee Employee & Child(ren) Employee & Spouse/Partner Employee & Family
Dental Maintenance Organization (DMO) $5.80 $9.05 $12.25 $15.45
Dental PPO $12.60 $19.45 $26.30 $33.20
Dental Plan of ND and SC $12.60 $19.45 $26.30 $33.20
2014 VISION PLAN RATES
Semi-Monthly Employee Contributions — Vision Plan
Vision Plan Coverage Options
Employee Employee & Child(ren) Employee & Spouse/Partner Employee & Family
Aetna Vision PreferredSM $2.40 $4.78 $4.54 $7.05
2014 LEGAL BENEFIT RATE
Employee Monthly Rate
Legal Benefit $15.60
2014 LIFE INSURANCE, AD&PL and LONG-TERM DISABILITY RATES
Options Monthly Employee Rates (per $1,000 of coverage)*
1x to 6x eligible pay Age
<24 24-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+
Tobacco $0.060 $0.060 $0.080 $0.090 $0.126 $0.227 $0.381 $0.599 $0.948 $1.701 $2.884
Non-tobacco $0.041 $0.048 $0.064 $0.072 $0.080 $0.135 $0.207 $0.387 $0.594 $1.118 $1.854
*Monthly cost = Eligible Pay Rounded to the next $1,000 X Multiple of Eligible Pay (1, 2, 3, 4, 5 or 6) = _________ / $1,000 = _________ X Monthly Employee Rate above
Options Monthly Employee Rates (per $1,000 of coverage)
$10,000 to $250,000** Age
<24 24-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+
Tobacco $0.07 $0.07 $0.09 $0.12 $0.17 $0.29 $0.49 $0.78 $1.23 $2.22 $3.97
Non-tobacco $0.05 $0.06 $0.08 $0.09 $0.12 $0.22 $0.33 $0.54 $0.85 $1.53 $2.76
**increments of $10,000 up to $100,000
Options Monthly Employee Rate
$10,000 $1.08
$15,000 $1.62
$20,000 $2.16
Options Monthly Employee Rate (per $1,000 of coverage)
1x to 6x eligible pay Employee $0.016
($2,000,000 maximum) Employee and Spouse/ Partner $0.032
Employee and Child(ren) $0.024
Employee, Spouse/ Partner and Child(ren) $0.032
Additional Option Monthly Employee Rates ***
Age
<24 24-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65+
10% taxable benefit $0.061 $0.074 $0.101 $0.118 $0.170 $0.236 $0.323 $0.380 $0.432 $0.362
*** Monthly cost = Eligible pay ÷ 12 = _______ ÷ 100 = _______ x Monthly Employee Rate above
Aetna 2014 Benefits and Rates-at-a-Glance for Regular U.S. Employees (working 20 hours or more per week)
EmployeeSupplementalTerm LifeInsurance
Spouse/PartnerSupplementalTerm LifeInsurance
Child Term LifeInsurance
AccidentalDeath andPersonal Loss(AD&PL)Insurance
Long-TermDisability (LTD)Insurance