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2018 KCU Benefits guide

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Welcome As you know, KCU's vision is to: h Become the most student-focused health sciences university in the nation by delivering value, cultivating team spirit, and becoming a trusted partner. Achieving our vision can only be realized with engaged and energized employees. This is why providing competitive pay and benefits is consistently a high priority for KCU. It is our intention that the selection of benefits offered provide the financial, emotional and physical security you and your family need. This guide is an important means of communicating our benefits program, enabling you to select the coverage and support best suited to your unique circumstances. What should you do? h Read this guide and share information with family members as appropriate. h Use this guide as a reference as you consider your open enrollment options and throughout the year. h Be sure your dependents are eligible based on the eligibility rules included in this guide. h Keep in mind, this summary of benefits is intended to be a brief outline of your coverage; the entire provisions of benefits and exclusions are contained in your Summary Plan Descriptions (SPDs). In the event of a conflict between the SPDs and this guide, the terms of your SPD will prevail. Please consider your benefit options carefully. If you have questions about KCU's benefits, please contact the relevant provider listed on page 18 or call Human Resources with general questions. KCU is committed to ensuring you have the support you need to better understand your benefits. What's in this guide? Welcome . . . . . . . . . . . . . . . . . . . . . . . . .2 2018 Benefits . . . . . . . . . . . . . . . . . . . . .3 Medical and Prescription (Rx) Insurance . . . . . . . . . . . . . . . . . . . . . . . . .4 Common Questions Regarding Your Medical Plan . . . . . . . . . . . . . . . . .5 Wellness . . . . . . . . . . . . . . . . . . . . . . . . . .8 Dental Insurance . . . . . . . . . . . . . . . . . .9 Vision Insurance . . . . . . . . . . . . . . . . 10 Flexible Spending Account (FSA) 11 Life Insurance . . . . . . . . . . . . . . . . . . 12 Disability Insurance . . . . . . . . . . . . . 13 Family Medical Leave Act Benefits . . . . . . . . . . . . . . . . . . . . . 14 Retirement Plan . . . . . . . . . . . . . . . . . 15 Additional Benefits . . . . . . . . . . . . . . 16 Employee Assistance Program . . . 17 Contacts . . . . . . . . . . . . . . . . . . . . . . . . 18 2

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