2018 Employee

Benefits Summary

The following is a summary of the

benefits available to employees of
Blue Cross and Blue Shield of Kansas.
Welcome TO BLUE CROSS AND BLUE SHIELD OF KANSAS

Employee Benefits
The benefits discussed in this summary are available to all regular part-time and full-time employees scheduled to work
a minimum of 17.5 hours per week. Part‑time employees who work less than 17.5 hours per week may participate in
employee benefits as noted throughout. Temporary employees who are scheduled to work 30 or more hours per week
and a minimum of 60 days are eligible to participate in the medical and dental benefit only.

Table of Contents
Financial Benefits
• 401K 1
• Flexible Spending Accounts (FSA) 1

Insurance Benefits
• Medical/Dental Insurance (Blue Choice) 2
• Vision Insurance 2
• Basic Term Life Insurance with Accidental Death & Dismemberment (AD&D) 2
• Optional Term Life Insurance 3
• Dependent Life Insurance 3
• Voluntary Accidental Death and Dismemberment (Voluntary AD&D) 3
• Secure 300 Cancer Plan (Secure 300) 4
• Secure Hospital Indemnity Plan (S-HIP) 4
• Business Travel Accident Insurance 4

Time Away From Work

• Holidays 5
• Floating Holiday(s) 5
• Paid Time Off for Hourly Employees 6
• Vacation for Salaried Employees 6
• Sick Leave 7
• Short Term Disability (STD) 7
• Long Term Disability (LTD) 7
• Family Medical Leave Act (FMLA) 7
• Funeral Leave 7

We Can Help
• Employee Assistance Program 8
• Adoption Assistance 8
• Tuition Reimbursement 8
• Training and Development 8
• Health, Wellness and Safety Services 8
• Club Blue 9
• Cafeteria 9
• Credit Union 9
• Benefit Eligibility by Employment Category 9

Financial
Benefits

401(k)
A Tax Favored Savings Program (401(k)) is available to assist in saving for retirement. The plan allows employees
to contribute a percentage of their earnings from each paycheck. All regular part-time and full-time employees are
eligible to contribute to their 401(k) upon hire. Payroll deductions can begin as early as first paycheck or otherwise as
soon as administratively feasible. Employees may contribute up to 75% of salary with a 100% company match on up
to 5% of eligible earnings. A participant becomes vested in the plan after 2 years of eligible service.

Flexible Spending Accounts (FSA)

There are two types of FSAs available; medical and dependent care. A medical spending account is a pre-tax savings
account setup to reimburse for medical services, and expenses that are not covered by traditional insurance, i.e.
office/prescription drug co-pays, dental services, etc. All regular part-time and full-time employees scheduled to work
a minimum of 17.5 hours per week are eligible for the medical FSA following one year of eligible BCBSKS service. A
dependent care spending account is a pre-tax savings account that reimburses for daycare/babysitting expenses. All
regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week are eligible for the
dependent care FSA following 30 days of eligible BCBSKS service.

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Insurance
Benefits

Medical/Dental Insurance (Blue Choice)

Medical/dental insurance pays for eligible medical, prescription drug and dental services. The benefit is available to all
regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week and temporary employees
scheduled to work 30 or more hours per week and a minimum of 60 days. Employees are eligible the first day of the
month following 30 days of eligible BCBSKS service. BCBSKS pays a portion of the premium.

Monthly Premium

Employee Total Employee Total

Tier Medical/Rx Medical/Rx Dental Dental
Premium Premium Premium Premium
Employee Only $174.90 $699.60 $11.80 $47.19
Employee/Child(ren) $348.43 $1,393.70 $24.39 $97.57
Employee/Spouse $375.72 $1,502.86 $25.32 $101.29
Employee/Spouse/Child(ren) $435.08 $1,740.33 $30.26 $121.05

* Employees scheduled to work less than 30 hours per week will have prorated premium.

Vision Insurance
Vision insurance pays for eligible eye health services and eyewear needs. The benefit is available to all regular part-time
and full-time employees scheduled to work a minimum of 17.5 hours per week. Employees are eligible the first day of the
month following 30 days of eligible BCBSKS service. This benefit is an employee paid benefit.

Tier Monthly Premium

Employee Only $7.70

Employee/Spouse $15.40
Employee/Child(ren) $18.12
Employee/Spouse/Child(ren) $23.88

Basic Term Life Insurance with Accidental Death & Dismemberment (AD&D)
BCBSKS provides basic term life insurance with AD&D in the amount of two times an employee’s annual salary. This
benefit is provided to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week.
Coverage is effective the first day of the month following 90 days of eligible BCBSKS service. This benefit is employer paid.

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Optional Term Life Insurance
Additional term life insurance with AD&D may be purchased in two pre-set amounts. It is available to all regular part-time
and full-time employees scheduled to work a minimum of 17.5 hours per week. Employees may apply for this benefit
at any time, however no medical questions or application fees will apply at first enrollment opportunity (i.e. hire date).
Employees are eligible the first day of the month following 90 days of eligible BCBSKS service. This is an employee
paid benefit.

Monthly
Coverage Amount
Premium
$40,000 $10.80
$80,000 $21.60

Dependent Life Insurance

Life insurance is available for eligible family members (spouse and dependents). It is available to all regular part-time and
full-time employees scheduled to work a minimum of 17.5 hours per week. Employees may apply for this benefit at any
time, however no medical questions or application fees will apply at first enrollment opportunity (i.e. hire date). Employees
are eligible the first day of the month following 90 days of eligible BCBSKS service. This is an employee
paid benefit.

Monthly Coverage
Premium Amount

Option I – Spouse Only $1.27 $4,000

Option I – Child(ren) Only $0.88 $2,000*

Option II – Spouse Only $3.19 $10,000

Option II – Child(ren) Only $2.21 $5,000*

Option III – Spouse Only $6.37 $20,000

Option III – Child(ren) Only $4.43 $10,000*

* Unmarried dependent child(ren) 6 months to 23 years of age. Dependent child(ren) under 6 months of age
(see life certificate).

Voluntary Accidental Death and Dismemberment (Voluntary AD&D)

Voluntary AD&D coverage offers extra protection against unexpected costs associated with accidents. AD&D is available
to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week. Employees are
eligible the first day of the month following 90 days of eligible BCBSKS service. This is an employee paid benefit.

Monthly Premium (per

Option
$1,000 coverage)
Employee Only $.04
Family $.065

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Insurance Benefits continued
Secure 300 Cancer Plan (Secure 300)
Secure 300 is a cash benefit paid directly to a person for expenses not covered by traditional insurance. It is available to
all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week. This is an employee
paid benefit.

Monthly
Tier
Premium
Employee (under 65) $5.57
Employee (over 65) $8.82
Employee/Child(ren) $8.22
Employee/Spouse $9.27
Employee/Spouse/Child(ren) $13.14

Secure Hospital Indemnity Plan (S-HIP)

S-HIP pays a cash benefit beginning the first day of a covered hospitalization. It is available to all regular part-time and full-
time employees scheduled to work a minimum of 17.5 hours per week. This is an employee paid benefit.

Monthly Premium
Employee/ Employee/ Employee/
Age Employee
Child(ren) Spouse Spouse/Child(ren)
Under 30 $3.23 $5.41 $5.88 $7.21
30 to 34 $3.86 $6.17 $7.14 $8.64
35 to 39 $3.93 $6.27 $7.30 $8.80
40 to 44 $4.33 $6.44 $8.48 $9.65
45 to 49 $4.55 $6.71 $8.94 $10.11
50 to 54 $5.27 $7.25 $10.85 $11.69
55 to 59 $7.25 $9.78 $15.17 $16.00
60 to 64 $8.12 $11.01 $17.07 $17.84
65 and over $19.00 N/A N/A N/A

Business Travel Accident Insurance

Business travel accident insurance is provided to employees of BCBSKS while traveling during the course of their
employment. This benefit is provided to all regular part-time and full-time employees scheduled to work a minimum of
17.5 hours per week. This benefit is employer paid.

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 Time Away
12
from Work 12
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Holidays New Years Day

Annually, there are eight holidays paid to all regular part-time and full-time employees. Memorial Day
An employee is eligible their first day of employment with BCBSKS. Independence Day
Labor Day
* Employees scheduled to work less than 40 hours per week will receive a prorated benefit. Thanksgiving Day
Day after Thanksgiving
Christmas (2 days)

Floating Holiday(s)
Employees of BCBSKS are provided floating holidays based on their eligible BCBSKS service. Employees must complete
90 days of service with BCBSKS before being eligible for this benefit.

Floating Holiday
Years of Service
Amount
90 days to 9 years 1 day
10 to 19 years 2 days
20 to 29 years 3 days
30 years and over 4 days

* Employees scheduled to work less than 40 hours per week will receive a prorated benefit.

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Time Away From Work continued
Paid Time Off (PTO) for Hourly Employees
PTO is the bank of hours from which each regular part-time and full-time hourly employee is paid for time they are absent
from work. PTO is based on years of service with BCBSKS.

Maximum Annual
Total Years of Service
Accrual
Less than 1 year 143 hours
1 year 151 hours
2 years 159 hours
3 years 167 hours
4 years 175 hours
5 to 14 years 182 hours
15 to 24 years 221 hours
25 years and over 260 hours

* Employees scheduled to work less than 40 hours per week will receive a prorated benefit.

Vacation for Salaried Employees

Vacation time is available to regular part-time and full-time salaried employees to be paid for time they are absent from
work. Vacation is based on years of service with BCBSKS.

Eligible Years of Maximum Annual

Service Accrual
Less than 1 year 2 weeks
1 year 2 weeks + 1 day
2 years 2 weeks + 2 days
3 years 2 weeks + 3 days
4 years 2 weeks + 4 days
5 to 14 years 3 weeks
15 to 24 years 4 weeks
25 years and over 5 weeks

* Employees scheduled to work less than 40 hours per week will receive a prorated benefit.

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Sick Leave
The sick leave for hourly employees is included in the PTO bank. Sick leave for salaried employees is a separate benefit.

Short Term Disability (STD)

The STD plan provides salary continuation during an approved short-term medical absence. This benefit is provided to all
regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week with one year of eligible
BCBSKS service. This benefit is 60 percent of an employee’s salary and is employer paid.

Long Term Disability (LTD)

The LTD plan provides income during an extended disability. The benefit is 60 percent income replacement and the
duration of benefit is based on the employee’s age and years of service with BCBSKS at the time of disability. This benefit
is provided to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week with one
year of eligible BCBSKS service. This benefit is employer paid.

Family Medical Leave Act (FMLA)

FMLA is available to all employees with a minimum of 1,250 hours worked at BCBSKS in the 12 consecutives months
prior to the leave. It offers up to 12 weeks unpaid leave in a 12 month period for birth, adoption, or placement of foster
child, sick employee, child, parent, spouse, military care giver and exigency.

Funeral Leave
There are up to five days of funeral leave available for an employee for immediate family members and one day of funeral
leave available for other family members. All regular part-time and full-time employees are eligible following their first day
of employment with BCBSKS.

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We Can Help

Employee Assistance Program (EAP)

The EAP provides face-to-face and telephone counseling sessions on a variety of topics i.e. emotional problems, financial
issues, legal needs, or substance abuse. All regular part-time and full-time employees and immediate family members are
eligible for this benefit. This benefit is employer paid.

Adoption Assistance
Adoption assistance is available to assist employees with eligible expenses related to the adoption of a child(ren). This
benefit is available to all regular part-time and full-time employees scheduled to work a minimum of 17.5 hours per week
with one year of eligible BCBSKS service.

Tuition Reimbursement
Tuition reimbursement is available to help employees maintain current, up-to-date knowledge and skills for the jobs they
perform at BCBSKS. It is available to all regular part-time and full-time employees with one year of eligible BCBSKS service.

Reimbursement
Maximum
Full-time $3,500 annually
Part-time $1,750 annually

Training and Development

There are a variety of classes provided on-site. All regular part-time and full-time employees are eligible with management
approval. College credit hours may be earned for courses taken through Blue University thanks to a partnership between
Blue University and Baker University.

Health, Wellness and Safety Services

The corporate health services (CHS) department operates to assure a safe and healthful workplace. CHS is located at
the Topeka campus. All regular part-time and full-time employees are eligible for CHS services such as Club Blue (fitness
center) memberships, annual flu shots and cholesterol screenings.

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Club Blue
BCBSKS emphasizes employee health and wellness. For $15/month, employees can enjoy 24/7 use of the onsite
fitness facility. This fee includes before work, lunchtime and after work group fitness classes as well as personal training
sessions. Shower facilities and lockers are also available at no additional cost.

Cafeteria
Blue’s Cafe offers a wide variety of healthy and hearty food and beverage options to keep you energized throughout your
work day. We strive to provide quality food and convenience with tailored hours for break and lunch times while offering
superb customer service, all at a great value to you.

Credit Union
A full-service credit union is located in Topeka. This provides convenient banking services for all regular part-time and
full-time employees as well as their spouse, children, and grandchildren. Credit Union services are partially funded by
BCBSKS.

Benefit Eligibility by Employment Category

The above information is a very general overview and does not provide specific eligibility criteria. Each employee’s
scheduled hours, length of service, vested service, age, hours worked in eligibility period, and more determine an
employee’s eligibility for each benefit within each employment category. See the applicable summary program description,
insurance policy or contract, or certificate for specific eligibility and benefit information.

The basis of any future or continued benefit(s) eligibility or contribution may be modified or terminated for active and/or
former employees and/or their dependents.

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An independent licensee of the Blue Cross Blue Shield Association.