HEIFER INTERNATIONAL · 1/1/2020 · SAVVY HEALTH CARE CONSUMER? What is a generic drug? Generic drugs are “copies” of brand-name drugs that have exactly the same quality, active

HEIFER INTERNATIONAL

EMPLOYEE BENEFITS GUIDE

JANUARY 1, 2020– DECEMBER 31, 2020

Compiled by Stephens Insurance, LLC

2 | 2020 Heifer International Employee Benefits Guide

YOUR BENEFITS B Y T H E N U M B E R S

BENEFITS THAT WORK FOR YOUR LIFE...

WHAT’S INSIDE?

Eligibility ............................................................................ 3

Compass Health ............................................................... 4

eDocAmerica .................................................................... 5

Medical Plan Options ....................................................... 6

Tips for Smart Health Care ............................................. 7

Dental Benefits ................................................................. 8

Vision Benefits .................................................................. 9

2020 Employer & Employee Plan Contributions………..10

Tax Favored Health Cost Offset Options…………….…11-12

Wellness Benefits…………………………………………………….13

Financial Wellness ………………………………………………….14

Disability Insurance ........................................................ 15

Life and AD&D Insurance .............................................. 16

Voluntary Insurance Products……………….…………….17-19

Pet Protection ................................................................. 20

Employee Assistance Program (EAP) ............................ 21

Resources ....................................................................... 22

DISCLAIMER: The information contained in this summary should in no

way be construed as a promise or guarantee of employment. It does

not guarantee benefits or payment. This document provides a brief

summary of benefits that are available to you. If there is a conflict

between the information in this brochure and the actual plan

documents or policies, the plan documents or policies will always

govern. Please refer to your coverage booklets and policies for

complete details regarding the benefits, covered charges, exclusions

and/or plan payments. These documents may be obtained by

contacting your Human Resources Office.

75% of your medical

coverage—no matter

the option—is

paid by Heifer

$300

is contributed annually

to your single-person

HSA by Heifer

other tiers receive

$600

100% As an investment in our

employees, Heifer provides

these services at NO COST:

Employee Assistance Program

Compass

Simply Well

FinFit

$75,000 in basic life insurance/ADD is provid-

ed by Heifer at NO COST to you

up to 60%

of your monthly income will be paid

by short-term and long-term disability

insurance, should you be unable to

work due to injury or illness…

provided to Heifer employees at NO COST!

Bonus

$50 monthly

medical

premium

differential

for

completing

the yearly

wellness

program

73% of your dental premiums

are paid by Heifer

$100 Heifer-sponsored

reimbursement for

HRA-eligible expenses

2020 Heifer International Employee Benefits Guide | 3

ELIGIBILITY

ELIGIBLE EMPLOYEES Employees who are actively employed in a benefit-eligible position are eligible to

be enrolled in Heifer-sponsored benefit plans. You are eligible to participate in

Heifer International’s benefit program on the first of the month following your date

of hire. During the annual Open Enrollment period, coverage becomes effective

the first of the new year (i.e. 01/01/xx), provided the employee has successfully

completed the necessary online enrollment.

ELIGIBLE DEPENDENTS Employees who are enrolled in Heifer-sponsored benefits have the ability to extend

coverage to eligible dependents. NOTE: Dependent coverage cannot be elected

unless the employee is also covered under the plan being selected. Individuals

who are considered to be eligible dependents of Heifer-sponsored benefits plans

are:

Spouses (unless legally separated or divorced)

Domestic Partners (same-sex and opposite-sex)

NOTE: Dependent coverage under this option will require employees to be taxed

for the fair market value of the premiums paid by Heifer; additionally,

completion of the “Affidavit of Domestic Partnership” will be required for each

plan year.

Dependent children

A natural child

A step-child

A child legally adopted

A child you have a Qualified Medical Child Support Order (QMSCO) for

A child for whom you have legal guardianship over

A physically or intellectually disabled child who is incapable of self-

sustaining employment, regardless of age, provided they are covered

prior to the maximum age otherwise applicable

An adult dependent child of an employee is eligible for coverage through the end

of the month in which he/she turns age 26. Eligibility is regardless of whether he/

she qualifies as the employee’s tax dependent, is a full-time student or is married.

NOTE: If the adult dependent child of the employee is married, ONLY the adult

dependent child of the employee will be eligible for coverage.

Information regarding continuation of benefits under COBRA will be distributed

after benefit eligibility terminates. COBRA is administered through Consolidated

Admin Services (CAS).

DUTY TO NOTIFY OF INELIGIBILITY The employee is responsible for making the appropriate updates in the Benefits

Enrollment Portal (www.InfinityHR.com) for any changes that have an affect on

benefits. An enrollee ceases to be a covered dependent of all employee benefit

plans on the date the enrollee no longer meets the definition of a dependent,

regardless of when notice is given to Heifer.

ADDING AND REMOVING

EMPLOYEE OR DEPENDENTS Outside of the Open Enrollment period,

employee and/or dependent coverage

can only be altered if the employee

experiences an IRS qualifying life event

change1. Changes must be made within

31 days of the date of the life event

change. After that time, the employee

must wait until the next Open Enrollment

period. The effective date of a coverage

change, based on an IRS qualifying life

event change, will be the first of the

month following the life event.

(Exception: newborns are covered from

Date of Birth).

The following is a summarized list of IRS-

defined life event changes:

Employee’s legal marital status

changes, due to marriage, divorce,

legal separation, or the death of a

spouse;

A change in the number of

dependents you cover, due to birth,

legal adoption, a Qualified Medical

Child Support Order (QMCSO), or

death;

Changes in employment status of the

employee, such as moving from full-

time to part-time employment;

Changes in employment status of a

spouse, which can include the ending

of their employment, new or different

working hours resulting in a change of

their employer-sponsored benefits, a

benefit change due to a strike, a

benefit change for them due to a

change in work hours, or if they begin

an unpaid leave of absence resulting

in a change of benefits;

A dependent who becomes ineligible

for the benefit plan due to age or by

obtaining coverage via other means.

1 This stipulation does not apply to any post-tax

benefits.


COMPASS HEALTH

Contact your Health Pro Consultant, Anjelica Frias

at [email protected] or (800) 513-1667 x0467

TAKE ADVANTAGE

OF YOUR BENEFIT!

Health care costs are rising, benefits can be confusing and finding the right care can be frustrating and time-consuming.

Don’t worry! Help has arrived. You now have a personal Health Pro® consultant ready to assist you and your family.

HOW COMPASS TAKES CARE OF YOU:

GET CONNECTED

TODAY. Read more and watch videos about Compass at www.explainmybenefits.com/heifer.

Understand your benefits

Clear up any confusion about your health plan.

Find great doctors

Locate highly-rated doctors, dentists and eye care

professionals.

Save money on health care

Compare prices and choose more cost-effective options.

Pay less for prescriptions

Get recommendations for lower-cost medications.

Resolve billing errors

Over 30% of medical bills are wrong.

Don’t overpay.

Schedule appointments

Have your appointments scheduled at times most

convenient for you.

http://www.explainmybenefits.com/heifer


eDocAmerica: EXPERT MEDICAL SUPPORT

eDocAmerica is a benefit paid for by Heifer

and provided to all Heifer employees and

their dependents who are enrolled in the

Medical plan at no cost to you. This benefit

allows employees with the ability of

consulting with a medical provider through

the Internet with a Webcam or telephone.

This benefit will allow you to save time and

potentially hundreds of dollars by helping you

avoid costly emergency room visits.

The majority of minor ailments and non-life

threatening medical issues can be treated

through eDocAmerica online or by phone

without the hassle of going to the doctor’s

office. You can be treated while at home, the

office, or traveling!

Below is a small sample of medical

conditions that eDocAmerica providers can

evaluate:

Abrasions, bruises

Colds, flu, and fever

Sore throat, cough, congestion

Allergies, hives, skin infections

Bites and stings

Minor headaches, arthritic pains

Diarrhea, vomiting, nausea

Urinary tract infections

Headaches, body aches

TO REGISTER YOUR ACCOUNT,

FOLLOW THESE SIMPLE STEPS:

1

2

3

Go to www.eDocAmerica.com

Click the “Sign-In” button and then click the “Register Now”

button

Agree to the “Terms of Use” and choose “Heifer Project” on

the company/organization drop down menu

Enter your last name and the last four digits of your social

security number

Create your screen name and password

Fill out your medical profile (bold items are required)

Start asking questions

4

5

6

7


MEDICAL PLAN OPTIONS

OFFICE CHARGES LOW DEDUCTIBLE PLAN HIGH DEDUCTIBLE PLAN

Office Visit (PCP) $30 copay 20% after deductible’s met

Specialist $50 copay 20% after deductible’s met

Preventive $0 $0

Annual Deductible & Out-of-Pocket Max

Individual $1,000/$4,000 $2,000/$4,000

Family $2,000/$8,000 $4,000/$8,000

Coinsurance (Insurance pays) 80% 80%

NOTE: Benefits for an individual within a family

are paid once the individual deductible has been

met.

NOTE: Entire family deductible must be met

before benefits will be paid.

Facility Charges

Urgent Care $50 copay 20% after deductible’s met

Emergency Room (In or out of net-

work) $350 copay 20% after deductible’s met

Inpatient Hospital 20% after deductible’s met 20% after deductible’s met

Outpatient Hospital 20% after deductible’s met 20% after deductible’s met

Prescription Drugs

Generic $15 copay 20% after deductible’s met

Preferred $35 copay 20% after deductible’s met

Non-Preferred $75 copay 20% after deductible’s met

Mail Order Prescription $45/$105/$225

(per 90-day supply) 20% after deductible’s met

YOUR COST PER PAY PERIOD

Employee Only $54.76 $47.13

Employee + Spouse $114.99 $98.98

Employee + Child(ren) $101.30 $87.19

Employee + Family $158.75 $136.68

Heifer offers two options for medical coverage—a high deductible and low deductible

plan—both through Cigna. Please review the following information to decide which plan is

right for you and your family.

For additional information related to the Cigna Health Plans and Pharmacy Program

Information, please review the applicable Summary of Benefits for the traditional low

deductible plan and for the high deductible health plan at www.explainmybenefits.com/

heifer or call Cigna at 888.806.5094 to speak with a Cigna One Guide.

The Cigna One Guide can answer your questions about the offered plans and help you

make smarter, more informed healthcare choices. You can even download the myCigna

app!

75% of your medical coverage

is paid by Heifer!


Read more and watch videos about your medical plan options at www.explainmybenefits.com/heifer.

ARE YOU A SAVVY HEALTH CARE

CONSUMER?

What is a generic drug? Generic drugs are “copies” of brand-name drugs

that have exactly the same quality, active ingredients, intended use,

effects, safety, and strength as brand-names.

Why are generic drugs less expensive? Companies that develop

brand-name drugs pay for years of research and development. Once a

brand-name drug is ready, a patent is granted allowing the company an

exclusive right to sell the drug. Introducing the brand-name drug to the

medical community and the general public is expensive. Just watch TV for

a few minutes and you will likely see an ad for a brand-name drug.

Once the patent expires, other companies can apply for permission to

make and sell a generic copy. Generic drugs do not require the research,

development or any of the marketing costs—and those cost savings are

passed on to you, the consumer.

What can I do to switch to generics? If you are looking to switch from a

brand-name drug to a generic, talk with your doctor. Here are a few

questions to ask:

Is there a generic version of my medication?

Are generics right for me?

Can I substitute my brand-name drug with the generic?

Are there any risks of side effects or reactions if I change my

medication?

Does the generic look different than my brand-name medicine?

Are there special instructions I should know about before taking the

generic?

Let Compass research the most cost-effective options for the prescriptions

you’re taking! Email Anjelica at [email protected]

There are a few clear rules about what justifies a visit to the emergency

room. Most doctors would agree you should go to the ER or call 911 if

you

are experiencing:

> Chest pains or other symptoms of a heart attack

> Trouble breathing

> Uncontrolled bleeding

> Broken bones

There are a few clear rules about what justifies a visit to

the emergency room. Most doctors would agree you

should go to the ER or call 911 if you are experiencing:

Chest pains or other symptoms of a heart attack

Trouble breathing

Uncontrolled bleeding

Broken bones

Trauma or injury to the head

For these illnesses or injuries, consider an urgent care

clinic instead of the ER:

Sprains

Minor burns

Coughs, colds, fever

Ear infections

Rashes

TAKE CONTROL OF YOUR

HEALTH & SPENDING

GENERIC VS.

BRAND NAME

URGENT

CARE VS.

EMERGENCY ROOM

From simple health questions to a needed prescription,

eDocAmerica is here to meet all of your

telemedicine needs.

Consider them first before visiting an Urgent Care

or your primary care physician.

No co-pays or deductibles apply!



DENTAL BENEFITS

Staying healthy includes good dental care. Heifer has invested in a dental plan that

provides the comprehensive coverage necessary to help you and your family maintain

good dental health. Employees enrolled in dental benefits have the flexibility to see any

dentist they choose; however, greater discounts and benefits are available by visiting

with an in-network dentist. To find in-network preferred providers, visit

www.deltadentalar.com.

SERVICES DELTA DENTAL NETWORK

Annual Deductible $25

Annual Benefit Maximum $1,500

Preventive Services: Exams, Cleanings, X-rays, Sealants 100% Deductible does not apply

Basic Services: Fillings, Simple Extractions,

Root Canals, Oral Surgery 80%

Major Services: Dentures, Crowns, Bridges, Implants 50%

Orthodontics (Lifetime Maximum) *available for children & adults* $1,000


Employee Only $4.87 Employee + Child(ren) $9.61

Employee + Spouse $9.42 Employee + Family $16.75

73% of your dental premiums

are paid by Heifer!

DON’T FORGET! Compass is a great resource for finding dentists, scheduling, and understanding your benefits.

Log on to www.explainmybenefits.com/heifer for details. !

CARRYOVER BENEFIT You can roll over up to $375 per year of

unused funds, as long as you…

Submit at least one claim for covered

services during the benefit year

Do not have paid claims that exceed

$749 within that calendar year.

You may accumulate a carryover

maximum amount of $1,500.



VISION BENEFITS

Vision coverage is a voluntary benefit that features

coverage for prescription glasses and contact lenses, as

well as other vision-related items. As with the dental

plan, you have the freedom to receive services from any

vision provider; however, enrolled employees will receive

a higher level of benefits by using providers who

participate in the Superior Vision network. To find a

participating provider, visit www.superiorvision.com.

SERVICES IN NETWORK OUT OF NETWORK

Copayments

Eye Exam (Every 12 months)

Frames (Every 24 months)

Contact Lens Filtting

$10 copay

$130 retail allowance

$25 copay

Full Exam Cost

Full Frame Cost

Full Exam Cost

Standard Lenses (Every 12 months)

Single Vision

Bifocal

Trifocal

Lenticular

Progressives

Covered in full after copay




Covered up to the provider’s retail

trifocal amount, after copay




$78

retail allowance


Contact Lenses (Every 12 months)

Elective

Medically Necessary

Polycarbonate Upgrade


Covered in full




$0 retail allowance


Employee Only $3.42 Employee + Child(ren) $6.66


For details on your

dental and vision benefits, and to find an

in-network provider,

log on to www.deltadentalar.com.

Read more about your medical plan options at www.explainmybenefits.com/heifer.



2020 EMPLOYER & EMPLOYEE PLAN CONTRIBUTIONS

2020 Benefit Plan Rates

Type of Benefit Level of Coverage ER Semi-

Monthly Rate

EE Semi-Monthly

Rate

Total Semi-Monthly Premi-

um Cost Total Monthly Premium Cost

Medical

Option A- Low Ded. Plan Employee Only $164.27 $54.76 $219.02 $438.04

Employee + Spouse $344.96 $114.99 $459.95 $919.89

Employee + Child(ren) $303.89 $101.30 $405.19 $810.38

Employee + Family $476.25 $158.75 $635.00 $1,270.00

Option B- High Ded. Plan Employee Only $141.40 $47.13 $188.53 $377.06

Employee + Spouse $296.93 $98.98 $395.91 $791.81


Employee + Family $410.05 $136.68 $546.73 $1,093.46

Dental Employee Only $13.15 $4.87 $18.02 $36.04

Employee + Spouse $25.47 $9.42 $34.89 $69.78


Employee + Family $45.28 $16.75 $62.03 $124.06

Vision Employee Only n/a $3.42 $6.84 $6.84

Employee + Spouse n/a $6.15 $12.30 $12.30

Employee + Child(ren) n/a $6.66 $13.32 $13.32

Employee + Family n/a $9.22 $18.44 $18.44

2020 Wellness Premium Credit Rates

Type of Benefit Level of Coverage ER Semi-Monthly

EE Semi-Monthly cost w/ $25 credit

Total Semi-Monthly Premi-

um Cost Total Monthly Premium Cost

Medical

Option A- Low Ded. Plan Employee Only $189.27 $29.76 $219.02 $438.04

Employee + Spouse $369.96 $89.99 $459.95 $919.89


Employee + Family $501.25 $133.75 $635.00 $1,270.00

Option B- High Ded. Plan Employee Only $166.40 $22.13 $188.53 $377.06

Employee + Spouse $321.93 $73.98 $395.91 $791.81


Employee + Family $435.05 $111.68 $546.73 $1,093.46


ELIGIBILITY

Because of the tax-advantaged nature of HSAs, there are specific eligibility requirements,

including:

You may not be covered by another non-HDHP health plan (for example, a spouse’s

traditional medical plan that covers you);

You and your spouse may not enroll in a medical Flexible Spending Account that could

reimburse your medical expenses. Participation in a limited Flexible Spending Account

that covers only dental and vision expenses is allowed;

You may not be enrolled in a government health plan, such as Medicare or Medicaid;

Domestic partners covered by the HDHP are not eligible for reimbursement from the HSA;

Children who are not your tax dependent are not eligible for reimbursement from the HSA;

You may not have an HSA and be claimed as a dependent on someone else’s tax return.

HEALTH SAVINGS ACCOUNT (HSA)

If you enroll in a Heifer-sponsored High Deductible Medical Health Plan, you can also

choose to contribute to an HSA on a pre-tax basis through a payroll deduction. Keep in

mind that annual contributions are limited by federal law, depending on the level of

health coverage you elect. For a full list of qualified expenses, visit:

www.irs.gov/pub/irs-pdf/p502.pdf

$300 is contributed annually to your

single-person HSA by Heifer.

Other tiers receive

$600

HOW DOES AN HSA WORK?

START IT BUILD IT USE IT GROW IT KEEP IT

After you enroll in the

HDHP Medical Plan, you

set up your HSA by

completing the HSA Form

at explainmybenefits.com/

heifer.

Continue to use your CAS

HSA if you already set it

up through Heifer

Your contributions to your

HSA are pre-tax through

payroll contributions

(limits apply).

You can change the

amount you contribute at

any time.

You can use the money in

your HSA to pay for

covered health care for

you and your qualified

dependents (like the

deductible and

coinsurance).

Withdrawals from your

HSA (for qualified medical

expenses) are also tax-

free!

Unused money in your

account will roll over to

the next year.

Your account will earn

interest and grow over

time.

You always own the

money in your HSA,

including contributions

from Heifer and any

interest and other

investment earnings.

You can take the account

with you if you are no

longer employed with

Heifer.

USE YOUR FUNDS WITH A DEBIT CARD

Your HSA works like a savings account. You decide

whether to use the funds to pay for health care

expenses out of your pocket or from your HSA using a

KEEP YOUR RECEIPTS!

Since your HSA is tax-advantaged, it is subject to IRS

regulations and a possible audit. Always be sure to

keep your receipts.

HOW MUCH CAN I CONTRIBUTE TO MY HSA ?

SINGLE coverage (1 covered individual:) S3,550

FAMILY coverage (2 or move covered individuals:) S7,100

All HSA-eligible participants that are AGE 55 OR OLDER can

also contribute an ADDITIONAL $1,000 per calendar year.


TAKE CONTROL OF YOUR HEALTH BENEFITS WITH THE CAS MOBILE APP Get secure around-the-clock information, track expenses, file claims, make payments and more.

1 2 3

Download CAS Mobile APP

by searching Consolidated

Admin Services in App Store

or Google Play

Click “Forgot Password” – Complete

Setup & Security Question Process

*Your Userid is: First Name Initial, Last

Name and Last 4 digits of SS#*

Log in to begin using

the mobile app

By allowing you to set aside money directly from your paycheck before taxes are taken out, flexible spending accounts (FSAs)

are a great way to save money for eligible expenses and to lower your taxable income. You can use that tax-free money to pay

for eligible out-of-pocket health care and dependent care expenses.

Heifer offers the following FSA options, administered by Consolidated Admin Services (CAS):

HEALTH FSA: Pay for eligible medical, dental, and vision care expenses such as copays, coinsurance, deductibles, medical supplies and

equipment, mental health and substance abuse treatment, orthodontia, and eyeglasses and contact lenses for yourself and

your eligible dependents. (If you have the HDHP, you will not be eligible for the Health FSA, but you may elect a Limited

Purpose FSA).

Contribute up to $2,700 per year.

LIMITED PURPOSE FSA: You may open this account only if you are enrolled in the High Deductible Health Plan. If you enroll in the HDHP and elect a

Health FSA, you will automatically be enrolled in the Limited Purpose FSA.

Pay for out-of-pocket dental and vision care expenses for yourself and your dependents.

Contribute up to $2,700 per year.

DEPENDENT CARE FSA: Pay for eligible dependent care for a child under age 13 or adult care expenses, including day care, care for a disabled

spouse or dependent, after-school care, and may types of summer camps. This account is NOT for a dependent’s health

expenses.

Contribute up to $5,000 per family per year ($2,500 if you are married and filing taxes separately).

NOTE: Dependent Care funds must be used during the same plan year.

ESTIMATE CAREFULLY WITH AN FSA: FSAs are “use-it-or-lose-it” accounts, which means you will forfeit any amount left in the account at the end of the Plan Year. You

have until March 15, 2021, to incur eligible expenses and until April 1, 2021 to submit requests for reimbursement. You are

allowed to roll over up to $500 of unused funds into the next plan year.

MEDICAL CARE FLEXIBLE SPENDING ACCOUNTS


WELLNESS PLAN 2020

Heifer has made a commitment to your heath by focusing on wellness, which

can save you money in the long run. All employees—regardless of which

medical coverage option you choose—are eligible to participate in Heifer’s

Moove It wellness program. Be sure to take advantage of this program,

paid in full by your employer.

Program completion allows employees to keep a $600 annual

credit ($50/month) towards Heifer medical premiums in the

next plan year. The 2020 program will need to be completed

by 11/30/20 to receive credit in 2021. You must be enrolled

in one of Heifer’s group medical plans to receive this credit.

NOTE: New Hires starting 01/01 through 08/31 each year

must complete the medical health assessment and biometric

screening within 90 days of hire. Contact HR for details.

When you’re in good health and feel well, you can be your best at

home and at work. To help understand your health, take

advantage of this voluntary wellness program. Employees who

are actively engaged in their health can take advantage of the

benefits and programs available with the SimplyWell program.

Employees have access to:

Free coaching sessions

Employer and employee led wellness challenges

Opportunities to know and understand your numbers

Financial wellness and featured content (articles and

videos)

Spousal non-contingent program

Spouses and domestic partners (who are covered on

Heifer’s medical plan) will be able to log into the

wellness platform (under their own separate

credentials) in order to benefit from the activities and

information being offered. Currently, spousal

participation in the point system is not required;

however, this may change in future years.

More information about spousal participation can be

found at www.explainmybenefits.com/heifer.

!

convenient debit card provided by CAS.

DON’T LEAVE $100 ON THE TABLE!

Heifer contributes $100 per year, up to $500

to your HRA—this money can be used for

reimbursement on qualifying expenses,

including exercise equipment and programs,

weight loss programs, and smoking cessation

programs!

For more details, log on to

www.explainmybenefits.com/heifer.

www.mooveitwellness.com

The Moove It wellness benefit is separate from the wellness benefit provided through Heifer’s medical plan.



FINANCIAL WELLNESS In addition to physical wellbeing, Heifer invests in

your financial wellness by providing the FinFit

program, equipping employees with educational

resources and solutions at no cost.

Take the FinFit personalized assessment

and earn 25 points towards your

Moove It Wellness goal .

FINFIT SERVICES INCLUDE:

Personalized Assessment

Helps you plan your program to get financially fit!

Customized Online Education

From complete beginners to savvy investors, FinFit gives

you the information you need!

Functional Financial Apps

Comprehensive apps that put the power to control your

finances at your fingertips!

Financial Calculators

Figure yout the true cost of purchases and loans, giving

youthe knowledge to make better choices!

Affordable Short-Term Loans

Education is great, but sometimes you need help.

FinFit makes short-term loans available and your job is

your credit!

Access FinFit through

www.mooveitwellness.com

2 out of 3 employees were able to increase

their monthly savings because of FinFit

91% of employees said the FinFit loan program

helped solve a financial dilemma,

allowing them to focus on work

STUDENT LOAN BENEFIT

StuLo from FinFit gives employees concierge service and resources to:

Reduce monthly payments through an income-based repayment plan.

Student Loan Consolidation Concierge - A free consultation with a

student loan specialist for a personal review of federal loans.

If federal assistance/IBRP is not the right fit, then StuLo will help to

find the right lender for each financial situation. Unlimited access to

the Student Loan Refinance Marketplace - With over 275 nonprofit,

local and community banks and credit unions to choose from.

All delivered 24/7 on a mobile online platform that’s ready when you are! No consultants will call you.

Find out more about FinFit at

www.explainmybenefits.com/heifer.


DISABILITY INSURANCE

SHORT TERM DISABILITY Short-Term Disability (STD) Insurance helps protect your

income for a short duration in case you become ill or

injured.

STD coverage is offered through Reliance Standard Life

Insurance.

BENEFIT HIGHLIGHTS

Short Term Disability pays 60% of monthly base income, up to

$2,500 per week.

Your STD benefits begin on the 10th day for an accident or illness

you may receive this benefit for up to 23 weeks.

LONG TERM DISABILITY Long-Term Disability (LTD) Insurance helps safeguard your

financial security by replacing a portion of your income

while you are unable to work. LTD benefits are intended to

protect your income for a long duration after you have

depleted short-term disability.

Long Term Disability does have a 3/12 Pre Existing Clause

which means no condition that existed 3 months before

the policy effective date will be covered until 12 months

after the policy effective date.

BENEFIT HIGHLIGHTS

Long Term Disability pays 60% of monthly base income, up to

$6,000 per month.

Your LTD benefits will begin on the 181st day of disability or

whenever your STD coverage ends and may continue to your

social security normal retirement age.

Disability insurance helps safeguard your financial security by replacing a portion of

your income if you are unable to work due to illness or injury. As your employer, Heifer

covers the cost of both short-term and long-term disability insurance.

Log on to www.explainmybenefits.com/heifer

for more information and plan details.

100% of your short-term and

long-term disability

premiums are paid by Heifer!

File a claim anywhere, any time...

PAPER EMAIL FAX ONLINE MOBILE

Reliance Standard Claims

PO Box 8330

Philadelphia, PA 19101-8330

[email protected] (267) 256-4262 www.RSLClaims.com


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BASIC & VOLUNTARY LIFE AND AD&D BENEFITS

LIFE AND AD&D BENEFIT HIGHLIGHTS

Employee Employer Provided Basic Life: $75,000 No cost to employee!

Voluntary Life/AD&D Maximum Benefit: Up to a maximum of $500,000 in $10,000 increments.

Voluntary Life/AD&D Minimum Benefit: $20,000

Voluntary Life Guarantee Issue: $150,000

Benefit Reduction Schedule: Reduces to 67% at age 70, to 50% at age 75

You may elect/increase coverage by $20,000 without EOI during this Open Enrollment. However, any amount over

$150,000 will require EOI.

Spouse Maximum Benefit: Up to 100% of employee’s benefit amount not to exceed $250,000 ($5,000 increments)

Minimum Benefit: $5,000

Guarantee Issue: $50,000

Benefit Reduction Schedule: Reduces to 67% at age 70, to 50% at age 75

You may elect/increase coverage by $10,000 without EOI during this Open Enrollment. However, any amount over

Child(ren) Maximum Benefit: Up to a maximum of $10,000

(14 days but less than 6 months: $250)

(6 months to Age 19: choice of $1,000, $5,000 or $10,000)

Guarantee Issue: All amounts are guaranteed issue.

What is EOI?

Proof of good health, also known as evidence of insurability (EOI), is an application process in which you provide

information on the condition of your health or your dependent’s health to get certain types of insurance coverage.

Who is required to provide EOI?

Employees electing over the Guaranteed Issue of $150,000

Spouses electing over the Guaranteed Issue of $50,000

How can I complete the necessary EOI forms?

The EOI form can be found on www.explainmybenefits.com/heifer . These forms must be returned to HR for processing

no later than 2 weeks after enrollment. Please reach out to your HR team if you have any questions about the form.

$75,000 in basic life/ADD insurance

is provided by Heifer to

employees at no cost!

We help our employees maintain financial security by providing a group life and

accidental death and dismemberment (AD&D) benefit of $75,000. Additional coverage

may be purchased for yourself and your dependents through voluntary policies.

Log on to www.explainmybenefits.com/heifer for details and

voluntary life insurance rates.


VOLUNTARY BENEFITS: ACCIDENT INSURANCE

Accidents are a part of everyday life, but are you prepared for the added financial burden? If you have a

serious accident, you’ll want extra cash to help pay your increased expenses. Accident insurance pays

benefits you can use for medical bills and other out-of-pocket expenses – or for any other purpose,

including paying your mortgage or other bills. Your medical insurance may not take care of all of the added

expenses you’ll have after an accident.

Log on to www.explainmybenefits.com/heifer for more information and plan details.


Employee $11.40 Employee + Child(ren) $14.43


Visit www.explainmybenefits.com/heifer for more benefit information, or to speak to

an EMB Benefits Counselor to enroll at (321)-248-4109.

DON’T FORGET! Every year,

when you have completed your

health screening, submit it to

receive $60 for you and your

covered spouse!

ACCIDENT COVERAGE INCLUDES...

Emergency treatment

Major surgery

Follow-up visits and physical therapy

Burns

Emergency dental work

Family lodging

INCLUDED WELLNESS BENEFIT RIDER

After a 30-day waiting period, this benefit is payable per calendar year for one annual

health screening test for the covered employee, and one test for a covered spouse.

Covered screenings include:

Blood test for triglycerides

Bone marrow testing

Breast ultrasound

Chest X-ray

Colonoscopy

Fasting blood glucose test

Mamography

Pap Test

Serum cholesterol test

Thermography

Stress test on bicycle or treadmill




Employee $11.12 Employee + Child(ren) $16.43


VOLUNTARY BENEFITS: HOSPITAL INDEMNITY

Hospital indemnity insurance provides lump sum cash payment

directly to you when you’re admitted to the hospital. Benefits are

based on the number of days spent in the hospital, critical care

unit, or rehabilitation facility. There are additional benefits for

outpatient and inpatient surgery, diagnostic tests, and emergency

room and rehabilitation services. You can purchase coverage

regardless of your medical plan elections.

VOLUNTARY BENEFITS: CRITICAL ILLNESS

Read more about your hospital indemnity insurance at www.explainmybenefits.com/heifer.

Critical illness insurance provides lump sum cash payment

to the insured when diagnosed with a covered condition

such as cancer, heart attack, stroke etc. The following lump-

sum benefits are available with Heifer’s plan:

Employee: $10k, $20k, or $30 k

Spouse: $5k, $10k, $15k

Child(ren): $2.5k, $5k, $10k

There are additional benefits for cancer, heart attack, stroke,

kidney failure, coronary artery bypass and several others.

You can purchase coverage regardless of your medical plan

elections.

Please speak to an EMB Benefit Counselor at

(321) 248-4109, to customize your plan and rates, as rates

are subject to medical questions.

DON’T FORGET! Every year,

when you have completed your

health screening, submit it to

receive $50 for you and your

covered spouse!



VOLUNTARY BENEFITS:

PERSONAL LEGAL PLANNING & IDENTITY THEFT

IDENTITY THEFT PLAN Identity theft affects millions of Americans each year. While it can take just

minutes to happen to you, recovering from the financial damage and emotional

toll it inflicts often takes years. Victims of identity theft can face issues such as

lost job opportunities, problems with securing a loan, harassment from debt

collectors, or even possible arrest for crimes committed by the identity thief. To

better avoid these issues, the LegalShield Identity Theft Plan equips you with the

information and expertise you need to help prevent theft and resolve issues

related to identity theft.

To ensure you have the best coverage possible, the LegalShield Identity Theft

Plan covers not only you and your spouse but also includes up to 8 dependents

under the age of 18.

Benefits include:

Credit Report and Personal Credit Score: Conveniently log in to our secure

website for access to your up-to-date credit report based on data from

Experian, including a detailed analysis of your personal credit score.

Continuous Monitoring with Safety Alerts: With our secure website, you can

continuously monitor your Experian credit report and receive email alerts

regarding any activity on your credit file.

LEGAL PLAN Everyone deserves legal protection. With LegalShield

on your side, you’ll have access to a quality law firm

24/7, for covered personal situations. From real

estate to divorce advice, speeding tickets to will

preparation, and beyond, we’re here to help you with

any personal legal matter—no matter how traumatic

or how trivial it may seem.

For as little as $20 a month, LegalShield gives you

the ability to talk to an attorney on any personal legal

matter without worrying about high hourly costs.

That’s why, under the protection of LegalShield, you

and your family can live your lives worry free.

Some of the services you will receive for personal

legal matters include the following:


Legal Plan $9.48

Identity Theft Protection $7.48

Legal/Identity Theft Combo $14.45

Advice on an unlimited number of topics

Letters and phone calls on your behalf

Legal document review, up to 15 pages each

Will preparation

Trial defense hours

Video law library

Forms service center

Learn more about the LegalShield Legal Plan at legalshield.com/info/legalplan

Learn more about the

LegalShield Legal Plan at

www.explainmybenefits.com/heifer



PET PROTECTION

65% of US households have at least one pet and more than

half of those have two or more pets. Pet families typically

spend more than $2,000 annually on each pet. Vet services

and wellness care are the largest expense for pet owners.

Pet-Assure is a veterinary discount plan. Pet Assure

members save 25% on all in-house medical services at

participating veterinarians. Pet Assure covers every type of

pet with absolutely no exclusions. All ages, breeds and

stages of health are covered. Please check to confirm your

vet is in the Pet-Assure network before electing coverage at

www.petbenefits.com.

PETPlus is a prescription savings plan that includes a 24/7

Pet Help Line. Members receive wholesale pricing of up to

50% off on brand-name prescriptions, flea & tick products,

vitamins and supplements, heartworm preventatives and

specialty and prescription food.

ENROLL IN PET ASSURE, PETPLUS, OR BOTH!

Pet Assure: Vet Discount Plan

Services covered:

Wellness Exams

Emergency Care

Sick Visits

Vaccinations

Dental Cleanings

Spay & Neuter

Surgical Procedures

Ultrasound

Pet Assure Benefits:

25% off ALL in-house medical services at a participating

veterinarian

No deductible, no exclusions—works for every pet regardless of

age or health

Covers all pets in the household* (not limited to cats and dogs)

No paperwork for claims—instant savings

Lost pet recovery service with 24/7 monitoring

PETPlus: Prescription Savings Plan

With PETPlus, you will save on brand-name prescriptions and

preventatives. You can shop online or on the PETPlus app and ship-

ping is always free. Most prescriptions are available for same day

pick-up and Caremark pharmacies nationwide, including CVS, Target

and Walmart

Save on:

Prescriptions

Flea & Tick Products

Dietary Foods

Heartworm Preventatives

Also included with PETPlus:

24/7 Pet Help Line

20% off other purchases at PetCareRx.com, such as toys, beds

and grooming supplies

COST PER MONTH

$8/month for one pet or

$11/month for unlimited number of pets

$3.75/month for one cat or dog or

$7.50/month for all cats and dogs in your home

*Under Pet Assure, any type of pet can be enrolled, including dogs, cats, horses, rabbits, birds, ferrets, etc.

DON’T FORGET! Before opting in to one of the pet protection programs, check to be sure your pet’s health care provider

participates in these pet care discount plans. !


EMPLOYEE ASSISTANCE PROGRAM (EAP)

Keeping people productive

at home… at work… at life.

DID YOU KNOW THAT...

Heifer provides this program to you at

NO CHARGE.

EAP services are confidential!

Counselors are licensed, skilled

professionals.

Family Members are eligible and

encouraged to use this resources as

well!

You have access to expanded and

improved resources and tools staff.

Southwest EAP is an active participant

in the Worksite Wellness programming.

Heifer’s Employee Assistance Program (EAP) is a confidential service designed to

help employees and their families with personal or work-related problems

through Southwest EAP. Sometimes life’s problems are too big or complex for

you and your family to handle alone. If you have a personal or work-related

problem of any kind, Southwest EAP is a FREE, confidential, problem solving

resource provided by your employer to help in areas such as:

Stress Management

Emotional issues

Depression and anxiety

Alcohol or Drug use

Career concerns / job stress

Family problems

Child and elder care resources

Marriage/Relationship issues

Legal troubles

Grief or loss issues

Budgeting and Financial referrals

Anything that is having a stressful impact on your life.

(800) 777-1797

(501) 663-1797

www.southwesteap.com


PLAN CARRIER GROUP # PHONE WEBSITE

Medical Cigna Group # 00624193 (888) 806-5094 www.mycigna.com

Wellness www.mooveitwellness.com

HSA/FSA/HRA CAS n/a (877)941-5956 www.consolidatedadmin.com

eDocAmerica eDocAmerica n/a (501)907-7117 www.edocamerica.com

Compass Health Compass/Alight n/a (800) 513-1667

x0467 www.compassphs.com

Dental Delta Dental Group # 3939 (800)462-5410 www.deltadentalar.com

Vision Delta Vision Group # 3939V (800)462.5410 www.deltadentalar.com

Disability Reliance Standard Life Groups # 163198 (800)351-7500 www.customercare.rsli.com

Life and AD&D Reliance Standard Life Group # GL152049 (800)351-7500 www.customercare.rsli.com

Voluntary Benefits Transamerica Individual Policies (888)763-7474 www.transamerica.com

Legal Planning & Identity Theft Legal Shield n/a (800)654-7757 www.legalshield.com

Pet Insurance Pet Benefit Solutions n/a (888)913-7387 www.petbenefits.com

Employee Assistance Program Southwest EAP n/a (800) 777-1794 www.southwesteap.com

Refer to this list when you need to contact one of your benefit vendors.

HEIFER INTERNATIONAL

HUMAN RESOURCES Diane Souza

(501) 907-2885

[email protected]

STEPHENS INSURANCE Laura Humphrey

(501) 377-8213

[email protected]

RESOURCES

The information in this Benefits Summary is presented for illustrative purposes and is based on information provided by the employer. This is not a

guarantee of coverage. The text contained in this Summary was taken from various summary plan descriptions and benefit information. In case of

discrepancy between the Benefits Summary and the actual plan documents, the actual plan documents will prevail. All information is confidential,

pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this summary, contact Human

Resources.

www.explainmybenefits.com/heifer

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