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TD Bank Aetna Benefits

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    Your 2009 Health & Wellness Benefits

•   Medical and Prescription Drug (Aetna)
•   Dental (Delta Dental)
•   Life, AD&D, Disability (The Hartford )
•   Reimbursement Accounts (Group
    Dynamic)
Open Enrollment 2009
•   Enrollment kits: mailed to your home October 22
•   Open Enrollment: November 3 – November 14
•   Actively enroll, or default to plan most similar
•   Enrollment kit contains instructions and details
•   New Medical & Dental ID cards mailed in December
•   Benefits become effective January 1, 2009
Your Medical
and Prescription
Drug Benefits
Welcome to Aetna:
Your Medical and Prescription Drug Vendor
• A focus on wellness
• Responsive, TD Bank-dedicated
  customer service
• Innovation in health care
• Custom Website:
  www.tdbankaetnabenefits.com
Who is eligible for coverage
Employees working 20+ regularly scheduled hours per week are
  eligible for coverage.
Your dependents who can be covered include:
• Your wife or husband
•   Your domestic partner of same or opposite sex (for medical, dental
    and dependent life coverage only). An affidavit of domestic partnership
    is required.
•   Your children, including:
     –   biological children
     –   adopted children
     –   stepchildren
     –   eligible children from your domestic partner relationship
•   Your unmarried children between age 19 and 26 that are full-time
    students taking 12 or more credits per semester in a given year in an
    accredited institution of higher learning.
•   Your dependent children over age 18 who are physically or mentally
    unable to care for themselves.
Your TD Bank Medical Plans
All three medical plans include:
• No PCP required
• No referrals required
• The extensive Aetna network
• Programs, tools, resources
Medical Plan Comparison
                     Aetna     Aetna Choice POS II                     Aetna Choice POS II
                     Select                                              with Deductible
                  In-Network In-Network   Out-of-                    In-Network    Out-of-
                                          Network                                 Network
  Deductible          None            None           $500 Ind                  $1,000
                                                    $1,000 Fam                 $2,000


Out-of-Pocket         None          $1,000 Ind       $2,500 Ind       $2,000 Ind      $3,000 Ind
 Maximum                           $2,000 Fam       $5,000 Fam       $4,000 Fam      $6,000 Fam


 Office Visits      $20 PCP          $20 PCP            30%           $30 PCP            40%
                    $30 SPC          $30 SPC        coinsurance       $40 SPC        coinsurance
                                                  after deductible                       after
                                                                                      deductible
  Wellness &        $20 PCP          $20 PCP            30%             100%             40%
Preventive Care     $30 SPC          $30 SPC        coinsurance                      coinsurance
                                                  after deductible                       after
                                                                                      deductible
 Lab & X-Ray      Covered in full Covered in full        30%       Covered in full       40%
                                  as part of office coinsurance      as part of      coinsurance
                                     visit, 10%    after deductible office visit,        after
                                   coinsurance if                       20%           deductible
                                    performed in                   coinsurance if
                                     outpatient                     performed in
                                       facility                      outpatient
                                                                       facility
Medical Plan Comparison
                       Aetna            Aetna Choice POS II                   Aetna Choice POS II
                       Select                                                   with Deductible
                    In-Network          In-Network            Out-of-         In-Network       Out-of-
                                                              Network                          Network
Maternity Care       $30 copay,         $30 copay,               30%        $30 copay,            40%
                   initial visit only initial visit only     coinsurance initial visit only   coinsurance
                                                           after deductible                       after
                                                                                               deductible
 Emergency          $100 copay,        $100 copay,          $100 copay,       $100 copay,     $100 copay,
   Room              waived if          waived if            waived if         waived if        waived if
                     admitted           admitted             admitted          admitted         admitted

   Inpatient        $100 co-pay            10%                   30%              20%             40%
   Hospital           per day,         coinsurance           coinsurance      coinsurance     coinsurance
                    max 3 days                             after deductible       after           after
                                                                               deductible      deductible

   Short Term        $30 copay          $30 copay                30%              20%             40%
      Rehab                                                  coinsurance      coinsurance     coinsurance
    (Physical,                                             after deductible       after           after
     Speech,                                                                   deductible      deductible
Occupational –
 limit 60 visits
     per year
   combined)
Your TD Bank
Prescription Drug Plan

         Retail Copay                     Mail Order Copay
     for a 30-day Supply                 for a 90-day Supply

• $10 Generic                       • $20 Generic
• $25 Brand Formulary               • $50 Brand Formulary
• $45 Brand Non-Formulary           • $90 Brand Non-Formulary
• More than 58,000 network retail   • For drugs you take regularly
 pharmacies                         • Quick and confidential
• Independents and chains           • Free shipping
                                    • Potential cost savings
                                    • AetnaRxHomeDelivery.com
Finding a Doctor

DocFind
• Custom version of DocFind available at
  www.tdbankaetnabenefits.com
• Find any doctor in the Aetna network and learn
  about specialties, location and more
• Use DocFind today
  – Learn if your doctor is in the Aetna network
Transition of Care for
  Commerce Employees

When you change to your new plan
• Receive out-of-network care at in-network rates for a
  limited time
• For those in certain active courses of treatment
• Call Aetna Member Services to apply
• Obtain forms at www.tdbankaetnabenefits.com
Extra Help to Stay Healthy
Reminders for:
• Routine adult and child vaccinations
• Age and gender-appropriate screenings and checkups
Aetna Health Connections
• Live life well with chronic conditions
• Find the right treatment and preventive care
Informed Health Line
• 24 hour nurse line to discuss your health and wellness
   questions
Women’s Health
• Online Resources
• Beginning Right Maternity Management Program
Discount Programs
and Services
Stay well, get fit, save $$ on:
• Fitness programs
• Weight management through Jenny Craig and eDiets
• Aetna Vision discounts
• Hearing discounts through HearPO
• Natural Alternatives Program
• And more …
     For Information

www.tdbankaetnabenefits.com
Welcome to Delta Dental
      Your TD Bank Dental Plan
• Employees working 20 or more regularly
  scheduled hours per week are eligible
• Largest dental benefits provider in the U.S.
  ̶ More than 51 million Americans have Delta Dental
• Largest networks of participating dentists
  ̶ More than 125,000 participating dentists (3 out of 4)
Your TD Bank Dental Plan Includes:
  • Diagnostic & Preventive Services
       ̶ No deductible, covered at 100%
  • Basic Restorative Services
        ̶ After deductible, covered at 80%
  • Major Restorative Services
         ̶ After deductible, covered at 50%
  • Children’s Orthodontic Services
          ̶ No deductible, covered at 50%
A closer look…
     Diagnostic / Preventive                 Basic Restorative                 Major Restorative                   Orthodontics
          (Coverage A)                         (Coverage B)                      (Coverage C)                      (Coverage D)

          No Deductible                   $50/$150 Calendar Year Deductible per Person/Family                      No Deductible

DIAGNOSTIC:                         RESTORATIVE:                         PROSTHODONTICS:                  ORTHODONTICS:
• Evaluations once in a 6-month     • Amalgam fillings                   • Removable and fixed partial    • Correction of malposed
  period                            • Composite (white) fillings           dentures (bridge); complete      (crooked) teeth for dependent
• Full-mouth/panorex X-rays once      (anterior teeth only)                dentures                         children to age 19
  in a 3-year period                ORAL SURGERY:                        • Rebase and reline (dentures)
• Bitewing X-Rays once in a 12-     • Surgical and routine extractions   • Crowns
  month period                                                           • Onlays
• X-Rays of individual teeth as     ENDODONTICS:                         • Dental Implants
  necessary                         • Root canal therapy
• Oral cancer screening once in a   PERIODONTICS:
  12-month period                   • Periodontal Cleaning
PREVENTIVE:                           (Maintenance procedures)
• Cleanings once in a 6-month         Note: One cleaning is covered in
  period                              a 6-month period. This can be a
• Fluoride once in a 12-month         routine (Coverage A) or Perio-
  period to age 19                    dontal (Coverage B).
• Space maintainers to age 16       • Treatment of gum disease
• Sealants once per permanent        DENTURE REPAIR:
  molar in a 3-year period to age 19 • Repair of removable denture to
                                       its original condition
                                    EMERGENCY PALLIATIVE
                                    TREATMENT


    Delta Dental Pays 100%              Delta Dental Pays 80%              Delta Dental Pays 50%             Delta Dental Pays 50%

                   Coverage A, B and C Combined Calendar Year Maximum                                          Lifetime Maximum:
                       (January 1 – December 31): $1,500 Per Person                                             $1,000 Per Child
Your TD Bank Dental Plan
• Access to the best managed and largest networks of
  participating dentists in the United States:
  – Delta Dental PPO
  – Delta Dental Premier network
• Three out of every four dentists in the country participate in
  one or both networks
• You will enjoy:
 ▲ No Balance Billing: Because participating dentists accept Delta
 Dental’s maximum allowable amount, you normally pay less when visiting
 a participating dentist.
 ▲ No claims paperwork: Participating dentists prepare and submit
 claims for you.
 ▲ Direct payment: Delta Dental pays the dentist directly, so you don’t
 pay the covered amount up-front or wait for a reimbursement check.
Claims from participating dentists

• Present your ID card to the dentist at the time of your visit
• The dentist will submit your claim to Delta Dental*
• Delta Dental will send you an Explanation of Benefits
  (EOB) detailing what has been processed under your
  plan. You are responsible to pay any remaining
  balance directly to the dentist as defined by your plan

 * All claims should be submitted to Delta Dental at the address on your ID card.
 Claims from non-participating dentists
• Nearly all non-participating dentists have claim forms in
  their offices and will file them on your behalf. However, you
  are responsible for filing your claims (or an invoice marked
  “PAID”) to Delta Dental at the address on your ID card.

• Delta Dental will send reimbursements for covered services
  directly to you, including an Explanation of Benefits (EOB)
  detailing what has been processed under your plan. You
  are responsible to pay any remaining balance directly to the
  dentist as defined by your plan.
    After you enroll
•   New enrollees will receive two ID cards and a benefit booklet

•   All claims should be filed with:          Delta Dental
                                              One Delta Drive
                                              PO Box 2002
                                              Concord, NH 03302-2002
•   Customer Service                          800-832-5700
    Hours of operation                        8:00 am – 4:45 pm EST

•   Additional resources, oral health tips,
    and downloadable forms on the web:        www.nedelta.com

•   To find a participating provider:         www.nedelta.com and select
                                              National Dentist Directory
     Group Benefits from The Hartford




          TD Bank
Life and Disability Insurance
Basic Life Insurance and AD&D
•   Available to Employees regularly scheduled to work 30 hours
    or more per week
•   Eligibility: First of the month, following 30 days of employment.


TD Bank Benefits
•   One times your Annual Earnings rounded to the next $1,000

Additional Benefits Include:
•   Conversion:               Ability to purchase individual insurance if you leave
                              TD Bank
•   Portability:              Ability to continue group coverage if you leave TD
                              Bank
•   Waiver of Premium:        Continuation of coverage if you are totally disabled
•   Estate Guidance:          Online Will Preparation
•   Beneficiary Assistance:   Grief, Legal, Financial Counseling for Beneficiaries
•   Travel Assistance:        Free travel assistance for you and your family
Supplemental Life
•     Available to Employees regularly scheduled to work 20 or more
      hours per week
•     Eligibility: First of the month following 30 days of employment


Benefit Options
    • You can elect options from 1x to 6x Annual Earnings
       -     If you are currently enrolled in the Supplemental Life
             program, your existing coverage amount will continue on
             January 1, 2009 – however, you do have the ability to
             increase your coverage during this enrollment period
    • Minimum:    $10,000
    • Maximum: $1,500,000
Supplemental Life

  • You can increase your coverage by 1x during
    open enrollment without providing Evidence
    of Insurability (filling out a proof of good
    health form).

  • If you elect to increase your coverage, and
    your total supplemental coverage exceeds 3x
    your salary or $300,000 you will have to
    provide Evidence of Insurability.
Supplemental Life
  • Example 1
    John Smith’s annual earnings are $50,000 and he is currently
    enrolled in the Supplemental Life program for 2 times his salary
    or $100,000. He can increase his coverage to 3 times his salary
    or $150,000 without filling out any proof of good health forms

  • Example 2
    Jane Smith’s annual earnings are $100,000 and she is currently
    enrolled in the Supplemental Life program for 3 times her salary
    or $300,000. Since she is already at the 3X to $300,000 level, if
    she elects to increase her coverage to 4 times her annual
    earnings, she will have to fill out a proof of good health form in
    order to be approved for the increased coverage.
Dependent Life Options
Spouse/Domestic Partner coverage
   •   $10,000
   •   $25,000
   •   $50,000
   •   You can increase your spouse’s/domestic partner’s coverage by 1
       level (ex. No coverage to $10,000 or $10,000 to $25,000) without
       Evidence of Insurability (filling out a proof of good health form)
Child coverage
   •   $2,000
   •   $5,000
   •   $10,000
   •   To age 19 or up to age 26 if a full-time student
   •   Evidence of insurability not required
Long Term Disability
• Available to Employees regularly scheduled to work 30 or more
  hours per week
• Eligibility: First of the month following 30 days of employment


TD Bank Benefits
•   Benefit Percentage: 60%
•   Maximum Monthly Benefit: $15,000
•   Benefit becomes payable after 90 days of disability
•   Conversion available – you can purchase individual
    coverage if you leave TD Bank.
  Reimbursement Accounts
(Flexible Spending Accounts)




                 TODAY’S KNOWLEDGE – TOMORROW’S SOLUTIONS
Why Choose a Reimbursement Account?

• Pre-tax accounts save Employees 25 – 40% on items
  they currently purchase
• Four types of accounts
   ̶   Medical Care
   ̶   Dependent Care
   ̶   Transit
   ̶   Parking
• Employees working 20 or more regularly scheduled hours can
  participate
   ̶   Do not need to participate in TD Bank medical plans
   ̶   Your tax dependents may also use the account
Medical FSA Accounts
• Qualified out-of-pocket medical expenses
• 2009 Maximum $3,600/Minimum $260
• Full election available any time during the plan
  year
• Use-it-or-lose-it rule applies
• Benny™ Card for all Employees
   ̶ If you have ever had a card, you will not
      receive a new card
    ̶ All other Employees receive two cards
What is a Benny™ Card?




• A special purpose value-loaded benefit card for use with
  a Medical FSA account.

• An easy to use cash flow tool allowing participants to
  access FSA benefit dollars with no out-of-pocket
  requirement.
Substantiation
The Debit Card and IIAS
(Inventory Information Approval System)

• IIAS makes over-the-counter transactions easy!
• IRS rules allow card holders to use the Benny
  card at discount stores, supermarkets and
  pharmacies using the IIAS system.
   – Visit www.gdynamic.com for a participating vendor list
   – To find out more about the IIAS visit www.sig-is.org
    2008 Medical Reimbursement Account Participants

•   Legacy TD Banknorth Employees
     –   Employees who currently have a Benny Card
           •   Any remaining 2008 funds will be used first
           •   If you have no funds remaining, your 2009 funds will be used beginning January 1, 2009.
           •   You will not receive a new Benny Card; your 2009 funds will automatically be loaded to the card on
               January 1, 2009.

     –   Employees who do not have a Benny Card
           •   If you have 2008 funds remaining, you will need to submit a reimbursement form by March 31, 2009.

     –   For 2009, you will receive a Benny Card if:
           •   You re-enroll in the Medical Reimbursement Account for 2009
           •   You are enrolling in the Medical Reimbursement Account for 2009 as a new participant.


• Legacy Commerce Employees
     –   Employees with 2008 funds remaining will submit a reimbursement form to
         their prior carrier

     –   2009 participants will receive two Benny Cards in the mail for use beginning
         January 1, 2009
Dependent Care FSA
• The IRS sets the maximum ($5,000 single or
  married filing jointly, $2,500 married filing
  separately)
• Eligible Expenses
• Reimburses you for dependent day care expenses
  (up to age 13)
• Use of the Benny Card is not available
• Automatic Dependent Care Reimbursement
Transportation Benefits
• Parking $220 per month*
  – pay for parking expenses incurred at or near your
    workplace, or a facility from which you commute to work
    by carpool, commuter highway vehicle, mass transit
    facility or by any other means.
• Transit: $115 per month*
  – pay for mass transit costs, such as subway, train, bus,
    ferries and transit in a qualified commuter vehicle.
• May make changes to election(s) quarterly

*2008 Limits, may change for 2009
GDI Resources

• Call our Service Center
  – 1-800-626-3539
  – 1-207-781-8800
  – Online account access


• Visit our website
  – www.gdynamic.com

				
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