Employee Benefits DRAFT

Active full-time employees, their spouses and dependents are eligible for basic and supplemental life insurance as defined in the North American Division Working Policy. It is covered by the employer and carried by VOYA. This guide you help you to learn more about this benefit.

• EMPLOYER PAID – Basic Life Insurance: Employee is covered for $ 100,000, spouse is covered for $ 50,000 and each child is covered for $ 10,000. This benefit also covers funeral costs.
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• EMPLOYEE PAID – Supplemental Life Insurance: As an employee you can enroll on supplemental insurance for yourself, spouse and children up to $ 250,000. If you want to have a higher coverage you need to fill the EOI – Evidence of Insurability and send it to VOYA via the instructions at the bottom of the form.
  
  • Supplemental Life – When you are initially eligible for Supplement Life Insurance, you can elect the Guaranteed Issue Limit of $250,000 without Evidence of Insurability. Total Supplemental Life coverage up to $750,000 in $10,000 increments is available if you complete an Evidence of Insurability form subject to approval by ReliaStar Life. Minimum coverage amount is $10,000.
  • Dependent Child(ren) Life Insurance – If you are covered for Supplemental Life you can elect Dependent Child(ren) coverage. When you are initially eligible for Dependent Child(ren) Life coverage, you can elect from $1,000 to $25,000 in $1,000 increments on your children from birth to less than 26 years without Evidence of Insurability. Child(ren) coverage is limited to 100% of the employee’s Supplemental Life coverage amount. Minimum coverage amount is $1,000.

Personal issues, planning for life events or simply managing daily life can affect your work, health and family. Potomac employees have access to ComPsych® GuidanceResources®, which provides support, resources and information for personal and work-life issues. GuidanceResources is company-sponsored, confidential and provided at no charge to you and your dependents. This flyer explains how GuidanceResources can help you and your family deal with everyday challenges.

Learn more:

• • About the resources
  • How to log in

Medical Flexible Spending Accounts (FSA) can help reimburse you for eligible expenses you or your eligible dependents incur that are not paid by your existing healthcare plan and allows you to set aside pre-tax dollars to pay for:

• •  Medical costs 
  • Dependent care costs

Refer to FSA guides to learn more about it and discover what products and services are FSA eligible.

Employer provides a basic AD&D Insurance carried by VOYA to all of our employees according to their role. You can also choose to supplement it.

• All positions (Except Associate Director, Director and Executives)
• Associate Director, Director and Executives

DISABILITY FLEX, AD&D, CRITICAL ILNESS & HOSPITAL INDEMNITY

All the benefits above are carried by THE HARTFORD.  This brochure will help you to know more about it so you can elect what is best for you.

The Potomac Conference is investing in your future. Plan today and enjoy tomorrow.

As a full-time new hire employee, you are automatically enrolled in the Adventist Retirement Plan starting with your first paycheck, at which time Empower Retirement, the Plan’s record keeper, will create an account for you. This means that 3% will be taken from your eligible compensation each pay period and contributed to the Plan as a salary reduction contribution. You can choose to contribute more, less, or even nothing at any time by signing into your Plan account on the Empower Retirement website and electing a different contribution percentage (including a 0% contribution). Generally, your employer will make dollar-for-dollar matching contributions on amounts you contribute, up to 3% of your eligible compensation.

Find out everything there is to know about the retirement plan Potomac offers and login to EmpowerRetirement by electing a contribution % on your plan.

• Empower Retirement Information

To make and complete your selection of the options listed above, please register online:

• Go to Ascend to Wholeness
• Select “Benefits Management”
• Select “I am an employee who does not have a healthcare member ID number”
• Complete your selections