Benefiting
you
Look Inside
2 Condition management – connected,
comprehensive, confidential
5 Financial fitness
6 Fund change reminder
8 Don’t let rising prescription drug
costs get the better of you
10 Preventive care check-up
14 A helping hand from Aetna’s
patient management team
16 Beyond work
08Q2 19 Calendar notes
better care
for better health
Condition management – connected, comprehensive, confidential
Chronic conditions can have a significant impact on a person’s health and life: Diabetics monitor
their blood sugar levels; asthmatics often carry inhalers; and people suffering with heart disease
frequently take medications and undergo intensive treatments.
These conditions affect people of all ages and are usually long-term. But proactive management of a health condition can help
to improve quality of life, decrease the number of days missed from work, and lower health care costs.
2
For these reasons, BP is introducing a condition management program that is The BP condition management program
offered by Health Management Corporation (HMC). This program is designed is completely voluntary, and if you
to help employees enrolled in the BP Medical Plan and participate, your individual health informa-
their covered dependents better manage a select group tion will be kept strictly confidential.
of chronic conditions and navigate the many questions You can decline to participate at any time.
and treatment options they may have. Log on to the BP Benefits Center website
at http://resources.hewitt.com/bpbenefits
Participation is voluntary, confidential and and follow the instructions under the
“Personal Info” tab to decline participa-
there are no additional costs to you
tion in the program. (When an employee
Typically, people who participate in condition management programs have fewer declines participation, the decision
hospital stays and medical emergencies than people who don’t participate. applies to his/her dependents, too.)
Participating in a program like BP’s can lead to a healthier life and less costly care.
For more information on the condition
However, some chronic conditions are more responsive to condition management management program, call HMC at
than others. Therefore, BP’s condition management program will initially focus on 1-866-784-2487 starting on July 1.
the following conditions:
Also, see the Q&A section on page 18
• Asthma of this newsletter for more information
• Coronary artery disease (CAD) about the program.
• Congestive heart failure (CHF)
• Chronic obstructive pulmonary disease (COPD)
• Diabetes
If you or one of your covered dependents currently receives care for one of the
chronic conditions listed here, HMC may contact you in the near future. However,
you or your covered dependent can also enroll in the program on your own by
contacting HMC. HMC will verify that you’re eligible for one of the programs and
help you sign up. Participation in the program is voluntary, confidential and available Test your health
at no additional cost.
knowledge
Who’s eligible? 1. Which disease causes the
most deaths in America
You must have one of the targeted conditions and be enrolled in each year?
the BP Medical Program (excluding HMO options) to participate. a) Cancer
b) Coronary artery disease
The BP condition management program is available to eligible, active employees c) Diabetes
and their covered dependent spouses/domestic partners and dependent children.
2. How many Americans
Once enrolled in the program, you’ll have access to: have asthma?
a) 5 million
• Registered nurses (available toll-free, 24 hours-a-day) who can answer your b) 10 million
questions, give you information about current treatment options and work c) 20 million
with your doctor to coordinate your care plan; 3. What percentage of the U.S.
• Educational information to help you monitor your condition; population has diabetes?
• Ongoing health assessments, right over the telephone, to help you improve a) 7%
your health and reduce your chance for future complications; and b) 10%
c) 12%
• Other specialists, e.g., dieticians, pharmacists and exercise physiologists.
See page 18 for answers
3
right brain, left brain,
right brain, left brain...
4
Financial fitness
Do you need help achieving financial goals such as managing your debt or saving for
retirement? Perhaps you’re like many who are trying to figure out what else you could
or should be doing to improve your financial situation. To address this need, you’re
invited to participate in a two-hour Financial Fitness seminar to help you develop your
financial planning priorities.
These on-site and virtual seminars, conducted by The Ayco Company, L.P., a Goldman
Sachs Company, are paid for by BP and are at no cost to you. Topics addressed
will include:
• Managing cash flow and debt
• Establishing your financial goals
• Using BP benefits to meet your retirement goals
• Creating an appropriate investment mix
• Reducing your tax liability
• Managing risk to your income and assets
• Building your estate planning strategy
Note: This seminar is purely educational. There will be no attempt to convince you
to purchase any products.
When enrolling for a
Pre-registration is required. To do seminar, you’ll need
so, go to www.aycofn.com/bp.afn to use the following
or call 1-800-437-6379, Monday through
for your User ID:
Friday from 8:00 a.m. to 4:00 p.m. CT.
If you don’t initially see a seminar Your User ID is the 3rd digit
convenient to your location, check back, followed by the last 4 digits
as we’ll be adding more dates, locations, of your Social Security
and times throughout the year. Number, followed by your
2-digit day of birth, followed
If you register for a seminar during your normal working hours, you’ll need to obtain by your 2-digit year of birth.
approval from your supervisor to attend.
(Example: If your SS# is
BP selected The Ayco Company, L.P. on the basis of its reputation and experience in the 123-45-6789 and your DOB is
financial planning industry. Ayco has over 30 years of experience and provides financial March 14, 2008, your User ID
counseling for employees at over 360 major companies. would be 367891408).
The Ayco Company, L.P., is a subsidiary of The Goldman Sachs Group, Inc. and an affiliate of Goldman, Sachs & Co., All employees will need to
a worldwide, full-service investment banking, broker-dealer and asset management organization reactivate their account with
this User ID format. To do so,
click “activate my account.”
If you have not previously
registered with the site, you’ll
need to select “create a new
user account.”
5
Fund change reminder
Don’t forget that as of August 1, 2008, the Balanced Index Funds and the Fidelity Freedom Funds listed below will no longer
be available as investment options under the BP savings plan. The Target Date Funds listed in the right column were added
effective February 1, 2008 to replace these funds.
Pre-mixed investment options being eliminated New pre-mixed investment options
Core Investment Options Core Investment Options
• Balanced Index Fund – Conservative • Target Date Retirement Fund
• Balanced Index Fund – Moderate • Target Date 2010
• Balanced Index Fund – Aggressive • Target Date 2015
• Target Date 2020
Mutual Fund Window Investment Options • Target Date 2025
• Fidelity Freedom Income • Target Date 2030
• Fidelity Freedom 2000 • Target Date 2035
• Fidelity Freedom 2010 • Target Date 2040
• Fidelity Freedom 2020 • Target Date 2045
• Fidelity Freedom 2030 • Target Date 2050
As of August 1, 2008, investment directions and account balances invested in the Balanced Index Funds and Fidelity Freedom
Funds will be automatically directed to a Target Date Fund based on your age and a default retirement date which is assumed
to be age 65. You may change your investment direction and account balances out of the Target Date Funds at any time.
If you have funds invested in one of the Balanced Funds or the Fidelity Freedom Funds and don’t want these balances transferred
into the Target Date Funds, you must contact BP Retirement Services at Fidelity before 3:00 p.m. CT on July 31, 2008.
See the Q1 2008 issue of Benefiting you, available on the LifeBenefits website, for more information about the Target Date Funds.
6
Updated interest rate
calculator reminder
time As a result of the recently announced
extension of the 30-year Treasury
keeps
bond interest rate and pre-Pension
Protection Act (PPA) mortality table
through December 1, 2009 for those
employed by BP on January 1, 2008,
on the Pension Interest Rate Calculator
has been updated.
ticking… The calculator now reflects the
appropriate transition to the interest
rates and mortality table specified
into the future under the 2006 Pension Protection Act,
based on your BP employment status
as of January 1, 2008.
The calculator can be found on
If time seems to accelerate as we get older, it may be because each passing
the Fidelity NetBenefits website
year represents a smaller fraction of our lifetimes. It may begin to dawn on
(www.netbenefits.fidelity.com)
us that we don’t have “all the time in the world” to get our finances in order.
and on the LifeBenefits website
(bp.com/lifebenefits).
The Ayco AnswerLine® service remains available to all BP employees
and is paid for by BP. The Ayco AnswerLine® service continues to provide
If you have questions regarding your
one-on-one, confidential access to financial counselors familiar with your BP
pension calculation, you may contact
benefit plans. If you have not yet taken advantage of the service or if you
BP Retirement Services at Fidelity
need additional assistance in one or several areas of financial planning, the
at 1-877-272-3334, Monday through
counselors are just a phone call away!
Friday, between 7:30 a.m. and
11:30 p.m. CT.
The Ayco AnswerLine financial counselors are available to assist you in all
®
areas of financial planning, including:
• Debt management • Cash flow
• Retirement planning • Risk management
• Education funding • Estate planning
• Income taxes • Investing inside and outside
• Asset allocation of your BP savings plan
The Ayco AnswerLine® service - 1-888-434-3264, Monday – Friday, 9:00 a.m.
to 5:00 p.m. ET, with evening appointments until 8 p.m. ET.
The Aycofn® Interactive Website at www.aycofn.com is also available to
BP employees and provides you with a variety of financial modeling tools
to complement the Ayco AnswerLine® service and help you make better
decisions at every stage of life.
Ayco AnswerLine® and Aycofn® are trademarks of The Ayco Company, L.P., a Goldman Sachs Company.
These services are provided exclusively by The Ayco Company, L.P. Used with permission. The Ayco
Company, L.P., is a subsidiary of The Goldman Sachs Group, Inc and an affiliate of Goldman, Sachs & Co.,
a worldwide, full-service investment banking, broker-dealer and asset management organization.
7
Don’t let rising prescription drug costs get the better of you
Health care spending continues to rise, and prescription drug costs are a leading contributor.
A report from Express Scripts – the prescription drug claims administrator for the BP Medical
Plan’s PPO and OOA options – shows there are five illnesses/health conditions that BP employees
spend the most money treating with prescription drugs:
1 2 3
Cholesterol Depression Ulcer disease
(including acid reflux)
4
High blood pressure/
heart disease
5
Diabetes
Although these and other maintenance prescriptions can be expensive,
there are some things you can do to help manage your out-of-pocket costs.
For example, request generic drugs whenever possible and participate in
a health care spending account so you can pay for your out-of-pocket
prescription drug costs with pre-tax dollars.
Ask for a generic and save
Asking for a generic drug when your doctor
writes you a prescription can save you money.
If you’re covered under the PPO or Out-of-Area
option of the BP Medical Plan, you’ll pay a
lower copay for a generic drug at a retail pharmacy and through home
delivery than if you use a brand name. (Don’t forget that you need to satisfy
the plan year deductible first.) Generic drugs are as safe and effective as
brand name drugs because they’re held to the same Food and Drug
Administration (FDA) standards.
8
Enjoy home delivery for maintenance drugs
Through Express Scripts’ home delivery program (mandatory for maintenance and certain
other drugs), you get quality maintenance prescription drugs delivered right to your door and
pay less than you would have at a retail pharmacy. Through the home delivery program, you
get a 90-day supply for a $20 copay (for generics), subject to your plan year deductible.
Before your prescriptions arrive at your doorstep – within 10 to 14 days – they’re checked
by two registered pharmacists and shipped to you in plain, weather-resistant packages to
protect the contents as well as your privacy.
If you have questions about the home delivery program process or need to speak with
a pharmacist at any time of day or night, call Express Scripts at 1-800-216-6506.
Participate in a health care spending account
If you participate in a Health Care Spending Account (HCSA), don’t forget to use it to
pay for your prescription drug costs. Everything you pay out-of-pocket – from copays
to coinsurance – can be reimbursed with money from your HCSA.
Even some over-the-counter drugs qualify for reimbursement if they’re used to treat a
medical condition rather than contribute to general well being. This means allergy medicine
and cold medicines are eligible but herbal supplements and most vitamins are not. For a
complete list of over-the-counter drugs that do and do not qualify for HCSA reimbursement,
go to www.irs.gov and refer to Publication 502.
Check the price online
If you have prescription drug coverage under the PPO
and OOA options administered by Express Scripts, you
can use their online Price Check tool to find out how much
you’ll pay for a particular drug before you go to the store
or place a mail order. You can also compare the costs of
brand name drugs and their generic alternatives. To access the Price Check tool, log on
to www.express-scripts.com and click on Price Check under Tools in the left column
Note: The Price Check tool doesn’t take into account your plan year deductible.
Express Scripts website
has a new look
The redesign includes easier-to-use navigation and
new tools. Whether you’re looking to save on a
prescription, manage your account, or gather the latest
information about a medication, the Express Scripts
website helps you stay informed.
9
your health report
Preventive care check-up
Prevention can not only be the best medicine; it can also save you money. You may be able
to prevent health issues before they begin by being proactive in your health and getting your
recommended preventive care screenings. BP’s preventive care benefits can help you do just
that, but only if you actually use them. Did you know, studies show that expenses for people
with one chronic condition – such as heart disease, diabetes, or high blood pressure – are
about double the costs than for those with no chronic conditions.1 Preventive care can help
to identify health risks such as chronic diseases or cancer.
10
The chart below shows the percentage of BP employees who received preventive care
screenings in 2006 compared to the national average:
Type of preventive care Percentage of eligible BP population National average
who received screening
Routine physical exam 66% 86%
Breast cancer screening 37% 73%
Cervical cancer screening 33% 33%
Cholesterol screening 27% 20%
Colon cancer screening 5% 20%
= At national average or above = Below national average
The power to help prevent the onset of disease (including cancer or a chronic condition)
is in your hands. If you’re enrolled in the Preferred Provider Organization (PPO) Option
or the Out-of-Area (OOA) Option under the BP Medical Plan – you can receive many
preventive care services covered at 100% after only a $10 copay (in-network for PPO).
Some preventive screenings are covered at 100% without a copay (e.g. mammograms
after age 40 and PSA tests). It’s a proven way to help prevent illness and save you
money, yet the statistics show BP employees are not taking full advantage of their
preventive care benefits.
By visiting your physician for routine preventive care screenings, It takes time (and sometimes courage)
you can help maintain good health and identify major health to see a physician for a routine screen-
risks early. In fact, if detected early, many chronic illnesses can ing. But, if you detect an illness early,
be treated without medication through healthy lifestyle changes you can often control it – even beat it –
(like increased activity level and a healthier diet). That equals before it becomes a serious threat to
significant cost savings for you. By taking advantage of BP’s your health. You have nothing to lose,
preventive care benefits, you can be proactive and help prevent and only a longer, healthier life to gain.
the onset of illness before it occurs. ➤ continued on pg. 12
Some illnesses, such as cancer, may not be preventable. But, if you take the initiative
1
Source: www.ahrq.gov
to get your recommended cancer screenings, early detection can mean the difference
between life and death. In fact, of the cancers shown in the chart above, all have a
93 – 100% survival rate if the cancer is detected early.
11
Preventive care check-up
➤➤ continued from pg. 11
Routine preventive screenings on Aetna Navigator
Coverage for routine preventive care is based on age and gender. To see what Aetna recommends based on National Guidance,
log on to Aetna Navigator at www.aetna.com. Click on “Take Action on your Health” then “Staying Healthy” and “Preventive Health
Care Schedule.” Use the pull-down menu to find the screenings recommended for your age and gender.
Click on “Preventive Health Care Schedule”
Choose your age and gender
Click on “Go” and then “Screening Recommendations”
Screening recommendation results
For additional information about routine benefits covered under the
BP Medical Plan, contact Aetna Member Services at 1-866-436-2606.
12
BP’s Advocacy Service
Healthmoment
Using sunscreen is good,
but the best protection is
to also avoid direct sunlight
between 10:00 a.m. and
3:00 p.m.
BP’s Advocacy Service is available to participants enrolled in BP health care
plans administered through the BP Benefits Center. You and your dependents It’s 1:00 a.m.
can get help with any issue concerning a health care provider, claim or and your child has a fever...
service. For example, the advocacy team can:
With Aetna’s 24-hour nurseline
• Straighten out in-network versus out-of-network billing issues; (Informed HealthLine), you can get
• Assist with disputed claims and charges; answers to your health care questions
whenever they pop up.
• Ensure that all necessary paperwork is in place for pending surgery; and
• Help you get access to urgent treatment.
If you’re enrolled in the PPO, OOA or
Basic option under the BP Medical
Unless critical, you must make at least one attempt to resolve the issue
Plan, or an Aetna HMO, you can call
with the plan administrator before calling the Advocacy Service.
the Aetna 24-hour nurseline and speak
with a registered nurse at any time.
To reach the Advocacy Service, call the BP Benefits Center at 1-800-890-4100
The nurses are available to help you
and say “BP Benefits Center” at the main menu prompt. Advocates are
with your health-related questions, like
available Monday through Friday from 7:00 a.m. to 6:00 p.m. CT.
what to do when your child is running
a fever.
Note: Contacting the Advocacy team does not guarantee the resolution you
want – the terms of the plans will always apply.
So, next time a health issue is keeping
you awake at night, call Aetna’s 24-hour
nurseline at 1-800-556-1555.
13
all for one, one for all
A helping hand from Aetna’s patient management team
If you or one of your covered family members is dealing with a medical condition that requires hospitalization or a significant and/or
complex medical episode, Aetna’s patient management team can help. Registered nurses are available to assist you in managing
your health care needs and accessing health-related services and programs. They offer confidential, personalized assistance to
employees and dependents enrolled in the Preferred Provider Organization (PPO) Option, the Out-of-Area (OOA) Option or the
Basic Option under the BP Medical Plan. This service is available at no additional cost to you.
The nurses can help ensure a positive and productive health care experience by providing support and assistance for health care
needs such as hospitalization or dealing with a diagnosis of chronic illness. (The program coordinates with the HMC condition
management program when applicable.)
The patient management team makes outreach calls to members that may benefit from the program, but you may also call to
find out if your or an eligible dependent would benefit from this service. You can reach the Aetna patient management team
at 1-866-393-2734.
14
In his own
words
One of BP’s retirees had such a positive experience with the patient management
team that he was featured in Aetna’s 2007 annual report*:
When Aetna member James Nichols was told he would need bowel resection surgery
to fix a small perforation in his colon, his thoughts turned to his father, who died from
a staph infection after undergoing surgery to fix a bleeding ulcer.
“I was in tremendous pain, but I was During the weeks that led up to
the surgery, Nichols spoke with
really stewing over whether to have the
Fisher and several other Aetna
surgery or not,” said the 59-year-old software nurses about his condition.
engineer, who was diagnosed with diverticulitis. “I was
“I had a bunch of questions at
really nervous because of what happened to my father.”
the time, and they answered
all of them,” he said.
It was only after speaking with Jennifer Fisher from Aetna’s
patient management team that Nichols felt at ease about
Nichols’ surgery was a success, and he continued
the surgery.
his conversations with Fisher while recuperating.
“I was pleasantly surprised at how often the nurses
“Jennifer called because she noticed I had been diagnosed,
called and followed up,” he said.
and she asked if I had any questions or if I just wanted
to talk,” said Nichols. “I told her about my dad, and she
Since the surgery, Nichols has made adjustments to
helped me feel better about the surgery. She told me
his diet and is taking fiber supplements recommended
about the side effects of the disease and what I could
by the Aetna nurses. The avid fisherman and sailor also
do to be healthier in the future.”
is hoping to start an exercise plan soon, although he
is still suffering from some health complications and
Fisher said she tries to
requires another surgery. This time, however, he’s
help all of her patients
not afraid.
become more independent
so that they can take control
“I’m happy that I had the first surgery and that I had
of their health care. “I don’t
Jennifer to talk to,” Nichols said. “Now I know that
aim to fix their problems,
it’s all going to work out, and I have people who are
just to make them easier to deal with,” she said. “I wanted
supporting me.”
Mr. Nichols to know that we were available whenever he
needed us, which is what I do for every patient, every day.”
*Reprinted with permission from Aetna and James Nichols.
15
Beyond work
Each installment of “Beyond work” focuses on a specific topic that spans beyond the
workplace. In this issue, we look at the problem with financial illiteracy.
Why do so many adults fail at finance?
Take this mini-quiz:
1 If the chance of getting a disease is 10 percent, how many people
out of 1,000 would be expected to get the disease?
2 If five people all have the winning number in the lottery and the prize
is $2 million, how much will each one get?
People are so busy juggling
other responsibilities – work,
kids and elderly parents –
3 You have $200 in a savings account that earns 10 percent in interest
each year. How much would you have in the account after two years?
that they put money matters
on the back burner. They Answers are on page 17. But if you’re like most who have taken the test, from the
University of Michigan’s Health and Retirement Study, you won’t ace it. When 1,700
hope things will work out. Boomers in their 50s took the test a few years ago, most got the first question right.
A little more than half correctly divided the lottery winnings. And only about
18 percent accurately calculated compound interest.
What this test and others reveal is that many people are stumped by basic financial
concepts. This has serious consequences, especially for the millions of Baby Boomers
fast approaching retirement. The decisions they make at this stage can determine
whether they retire comfortably or run out of money late in life.
16
Why do so many adults fail
at finance? Harry Margolis,
an elder law attorney in
Boston, says people are
so busy juggling other
responsibilities – work, kids
and elderly parents – that
they put money matters
on the back burner. “They
hope things will work out,”
Margolis said.
Christopher Carroll, an economics professor at Johns Hopkins University, said finance
is not a subject that we can simply pick up: We don’t have enough experiences to
draw upon. For instance, you buy groceries fairly often and can quickly learn what
foods to avoid in order to save money. But saving for retirement isn’t something you
do over and over, Carroll said. “If you have made the wrong decision, you can’t have
a do-over with your life.”
Source: Chicago Tribune – March 23, 2008
Americans still leave school
not knowing much about
So, what can you do to improve your chances of having money. A sample of high
a comfortable retirement? school pupils age 17 or 18
gave correct answers to
One thing you can do is take advantage of your BP savings plan. Decide how much
barely half of a set of ques-
to contribute – you can use the tools on NetBenefits to assist you – and don’t forget
tions about personal finance
that BP matches up to 7% of your pre-tax contributions per paycheck.
and economics posed in 2006
by researchers at the State
Last year, we featured a series on different retirement topics in this newsletter,
University of New York,
including diversification, compound interest, and “the rule of 72.” If you want to
Buffalo. Less than one-quarter
revisit any of the articles, back issues are posted on the LifeBenefits website at
knew that income tax could
bp.com/lifebenefits.
be levied on interest earned in
a savings account. Three-fifths
did not know the difference
between a company pension,
Social Security and a 401(k)
savings account.
Source: The Economist – April 5, 2008
Quiz answers:
1. 100 2. $400,000 3. $242
17
Q&A
about the new condition management program
Q: How is my physician involved?
A: Condition management nurses don’t replace your physician but will work with him/her to help provide you with
the best health care possible. Your physician will be notified about your participation in condition management
and may be asked to complete a questionnaire to help ensure that we have his or her plan of care for you.
This information is for general guidelines only. Your doctor will provide specific recommendations for your
individual health circumstances.
Your doctor provides you with a plan of care. HMC helps make sure you understand and follow this plan to
maximize your personal health.
Q: How often will you call me?
A: You and your nurse will decide the frequency of calls based on what is most appropriate for you and your
lifestyle. These calls may decrease as you learn how to better manage your condition and achieve your goals.
Additionally, you can call at anytime day or night to speak with a registered nurse about your condition.
Health Knowledge Answers
1. B According to the American Heart Association coronary artery disease
(also known as arteriosclerosis or heart disease) is the #1 killer in
America. In 2004, it was linked to nearly 870,000 deaths.
2. C Nearly 20 million Americans have asthma as reported by the
American Lung Association.
3. A Most recent data from the American Diabetes Association indicates
there are 20.8 million children and adults in the United States, or 7%
of the population, who have diabetes. An estimated 14.6 million have
been diagnosed with diabetes; however, 6.2 million people (or nearly
one-third) are unaware that they have the disease.
18
Calendar
notes
June
June 30 November 27
S M T W T F S
Deadline for filing HCSA and/or DCSA Thanksgiving closures: 1 2 3 4 5 6 7
8 9 10 11 12 13 14
claims for reimbursement of expenses • BP Benefits Center at Hewitt 15 16 17 18 19 20 21
incurred between April 1, 2007 and • BP Retirement Services at Fidelity 22 23 24 25 26 27 28
March 31, 2008. (Fax or mail your claims • BP myHR Service Center at Hewitt 29 30
to Aetna by this date.) • Aetna
• MetLife July
S M T W T F S
July 1
1 2 3 4 5
November 28 6 7 8 9 10 11 12
Condition management program begins.
13 14 15 16 17 18 19
Thanksgiving closures: 20 21 22 23 24 25 26
• BP myHR Service Center at Hewitt 27 28 29 30 31
July 4
• Aetna
September
• MetLife
Independence Day closures:
S M T W T F S
• BP Benefits Center at Hewitt 1 2 3 4 5 6
• BP Retirement Services at Fidelity 7 8 9 10 11 12 13
• BP myHR Service Center at Hewitt 14 15 16 17 18 19 20
• Aetna 21 22 23 24 25 26 27
• MetLife 28 29 30
November
September 1 S M T W T F S
1
Labor Day closures: 2 3 4 5 6 7 8
9 10 11 12 13 14 15
• BP Benefits Center at Hewitt
16 17 18 19 20 21 22
• BP Retirement Services at Fidelity
23 24 25 26 27 28 29
• BP myHR Service Center at Hewitt
30
• Aetna
• MetLife
19
Printed with soy inks
The information contained in this brochure has been provided by BP and is the sole responsibility of BP.
Where an article in this newsletter refers to a BP benefits program, the reference is generally to the BP program applicable to the majority of BP employees
on U.S. dollar payrolls. However, in some cases, a program may not apply to every reader of the newsletter. For example, eligibility for the program may be
limited based on employee classification (such as full- and part-time employees) or based on other criteria.
Benefiting you is presented for informational purposes only. It isn’t intended to constitute a promise or contractual commitment by the company. The Company
reserves the right to change or terminate any or all of its employee benefit plans and programs at any time and without prior notice. If, in our efforts to make the
information easy to understand, reference to a relevant plan provision has been omitted or misstated, the relevant plan document, plan summary or prospectus
will nonetheless govern. Employees covered by collective bargaining agreements will be subject to these benefit plan provisions to the extent consistent with
the terms of BP’s policy and benefit programs, the applicable collective bargaining agreement and any applicable legal guidelines. MAY08/CORENL
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