July 2012
U.S. BENEFITS
PROGRAM 2012-2013
New Hire Benefits Orientation
PROGAM 2012-2013 GLOBAL VISUAL IDENTITY REFRESH
I. ENROLLMENT TIMEFRAME SLIDE(S) 2
II. ELIGIBILITY 3-5
III. ENROLLMENT OPTIONS 6
IV. MEDICAL 7-15
I. MEMBER TOOLS
II. HEALTHY MOMS NEW PROGRAM – INCENTIVE AVAILABLE III. URGENT CARE
V. PRESCRIPTION DRUG PLANS 16-18
VI. WELLNESS INCENTIVES 19
VII. FLEXIBLE SPENDING ACCOUNTS 20-22
VIII. DENTAL COVERAGE 23-24
IX. VISION COVERAGE 25-26
X. GROUP LIFE INSURANCE & OPTIONAL LIFE 27
XI. DISABILITY (SHORT AND LONG TERM) 28-30
XII. GROUP LEGAL PLAN 31
XIII. DOMESTIC PARTNER COVERAGE 32
XIV. RETIREMENT SAVINGS 33
XV. TRANSPORTATION BENEFTIS 34
XVI. VIP PROGRAM – VOLUNTARY BENEFITS 35
XVII. HOLIDAYS AND PAID TIME OFF 36
XVIII. DOCMENT LINKS 37
CUSHMAN & WAKEFIELD
2012-2013
ENROLLMENT TIMEFRAME
2
Enrollments should be done online through eHR – Employee Self Service. The eHR link is
available through CWNow.
For ease of enrollment, you may also click
here
and sign in with your PeopleSoft User ID and
Password and select “Benefits Enrollment.”
As a new hire or rehired employee, you have 31
days from your date of hire/rehire to make your
benefit elections.
If you miss this deadline, you will have to wait until
the following Plan Year‟s Open Enrollment Period
to make benefit elections.
As a new hire or rehired employee, you have 31
days from your date of hire/rehire to make your
benefit elections.
PROGAM 2012-2013
• Full-time, regular, or part-time employees working 30 or more hours per week.
• Commissioned employees of Cushman & Wakefield, Inc. or one of its subsidiaries or affiliates (“C&W”).
• Regular property employees not covered by a collective bargaining agreement.
• Qualified real estate agents or brokers who have elected treatment as a 3508 Broker under Internal Revenue code section 3508.
• The sole brokerage employee of a separate corporate entity that has entered into an exclusive Entity Broker agreement with C&W.
CUSHMAN & WAKEFIELD
2012-2013
SPOUSE / DOMESTIC PARTNER
• Your spouse – a current spouse, opposite sex or same-sex, in a marriage that is legally recognized in the
jurisdiction (State or Country) in which it is performed.
• Your domestic partner* of the same sex or opposite sex presenting the following documentation:
Registered Domestic Partner Certificate or C&W Declaration of Domestic Partner Form and two of the following:
– A joint mortgage or lease
– Designation as a beneficiary for life insurance or retirement benefits
– Durable power of attorney for property and health care, i.e. a living will
– Proof of joint ownership of a motor vehicle, a joint checking or a joint credit account
– Other evidence of economic interdependence
*Domestic partner benefits carry an intrinsic value which must be included in an employee‟s taxable income.
CHILDREN
Children can be covered as dependents until the end of the month in which the child turns age of 26. The term child also refers to: your legally adopted child; a child placed with you for the purpose of adoption; a child for whom you are the legal guardian; and a child of your domestic partner.
HANDICAPPED CHILDREN
Handicapped children can be covered regardless of age, who are not married and are physically and/or mentally disabled, provided the condition started before the age when coverage would have normally ended.
ELIGIBILITY FOR DEPENDENT BENEFITS
PROGAM 2012-2013
To cover your eligible dependent under the New York State Age 29
requirement, you must:
•
Currently have coverage under the Cushman plan and your dependent must
be unmarried, and age 29 or under; not be insured by or eligible for
comprehensive health insurance through his or her own employer; live,
work, or reside in New York State or the health insurance‟s service area
and not be covered under Medicare.
•
Approximately 30 days before your age 26 dependent is terminated from
the plan, the Benefits team will send you a notification regarding eligibility to
enroll through age 29. Should you elect this option, the premium is set at
100% of the rate.
CUSHMAN & WAKEFIELD
2012-2013
Cushman and Wakefield offers a comprehensive employee benefits package for employees and their
dependents and/or domestic partners. The C&W program includes the following options:
BENEFIT ENROLLMENT OPTIONS
6
Benefit Program Available and Cost Share
Medical and Prescription Drug1 Employer and Employee Cost Share
401(k) Retirement Plan Voluntary Program
Dental1 Employer and Employee Cost Share
Vision Voluntary Program
Group Life1 Employer Core Provided
Short Term Disability1 Employer Core Provided; Voluntary Available
Long Term Disability1 Employer Core Provided; Voluntary Available
Flexible Spending Accounts (Health Care and Dependent Care) 3
Voluntary Program
Group Legal Voluntary Program
Transportation Benefits 2 Voluntary Program
Voluntary Benefit Selection Voluntary Program
Holidays/Paid Time Off Employer Provided
1 - Entity Brokers pay 100%, core is not provided.
PROGAM 2012-2013
Employees have a choice of three BlueCross BlueShield Plans, each provides nationwide
access to providers without a referral.
When enrolling, you have a choice of
•
Employee Only
•
Employee plus 1 Dependent
•
Employee plus 2 Dependents
•
Employee plus 3 Dependents
CUSHMAN & WAKEFIELD
2012-2013
You have three medical plan options to choose from; the Incentive Plan, the Choice Plan, and
the Low Premium High Deductible Plan.
Incentive Plan
• The BlueCross BlueShield Network Incentive Plan offers employees in-network care, which is covered at 100% after applicable deductible and office visit and emergency room co-pays.
• Out-of-network coverage under this plan is catastrophic coverage. If you receive care out-of-network you will experience high deductible and coinsurance amounts.
Choice Plan
• The BlueCross BlueShield Network Choice Plan allows you the flexibility to choose whether you receive in-network care, a network of health care providers who have agreed to provide health care at discounted fees, or
out-of-network care.
• If you use in-network providers, you benefit from lower deductible and coinsurance amounts than if you received care for out-of-network service. The in-network coverage is 85% of the discounted rate.
Low Premium High Deductible Plan
• The BlueCross BlueShield Low Premium/Deductible Plan offers employees in-network care which is covered at 90% after an initial deductible is paid.
• Out-of-network coverage under this plan is also available. If you receive care out-of-network you will experience a higher deductible and coinsurance amounts.
MEDICAL PLAN OPTIONS
THREE MEDICAL PLAN OPTIONS
PROGAM 2012-2013
COMPARISON OF MEDICAL AND PRESCRIPTION DRUG PLANS
MEDICAL AND PRESCRIPTION PLAN COMPARISON
BENEFIT BCBS NETWORK INCENTIVE / ESI RX PLAN
BCBS NETWORK CHOICE / ESI RX PLAN
BCBS LOW PREMIUM/ DEDUCTIBLE / ESI RX PLAN
In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
DEDUCTIBLE Employee Only Employee +1 Family $250 $400 $550 $5,000 $10,000 $15,000 $600 $1,000 $1,200 $1,200 $2,400 $2,800 $1,500 $3,000 $4,500 $3,000 $6,000 $9,000 COINSURANCE 100% after
ded. 70% after ded 85% after ded 70% after ded 90% after ded 70% after ded
OUT-OF POCKET MAX (includes deductible)
Employee Only Employee +1 Family $250 $400 $550 $25,000 $50,000 $75,000 $1,950 $3,850 $4,400 $4,050 $8,050 $8,500 $4,000 $8,000 $12,000 $8,000 $16,000 $24,000
LIFETIME MAX Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
CUSHMAN & WAKEFIELD
2012-2013
COMPARISON OF MEDICAL AND PRESCRIPTION DRUG PLANS
10
MEDICAL AND PRESCRIPTION PLAN COMPARISON
BENEFIT BCBS NETWORK INCENTIVE / ESI RX PLAN
BCBS NETWORK CHOICE / ESI RX PLAN
BCBS LOW PREMIUM/ DEDUCTIBLE / ESI RX PLAN In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network CHECK-UPS
Annual Physical Annual Pap Smear Pediatric Physical 100% 100% 100% Not Covered 70% after ded 100% 100% 100% 100% Not Covered 70% after ded 100% 100% 100% 100% Not Covered 70% after ded 100% SCREENINGS Mammogram Prostate Colorectal 100% 100% 100% 70% after ded 70% after ded 70% after ded 100% 100% 100% 70% after ded 70% after ded 70% after ded 100% 100% 100% 70% after ded 70% after ded 70% after ded INPATIENT HOSPITAL* 100% after ded
70% after ded 85% after ded
70% after ded 90% after ded 70% after ded EMERGENCY ROOM $150 copay (waived if admitted) $150 copay (waived if admitted) $150 copay (waived if admitted) $150 copay (waived if admitted) 90% after ded 70% after ded
MENTAL HEALTH / SUBSTANCE ABUSE
Inpatient ** Outpatient 100% $25 copay 70% after ded 70% after ded 85% after ded $30 copay 70% after ded 70% after ded 90% after ded 90% after ded 70% after ded 70% after ded
PROGAM 2012-2013
COMPARISON OF MEDICAL AND PRESCRIPTION DRUG PLANS
MEDICAL AND PRESCRIPTION PLAN COMPARISON
BENEFIT BCBS NETWORK INCENTIVE / ESI RX
PLAN BCBS NETWORK CHOICE / ESI RX PLANBCBS LOW PREMIUM/ DEDUCTIBLE / ESI RX PLAN
In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
PRESCRIPTIONS
Retail (up to 30 days) Generic Brand Formulary Brand Non-Formulary $10 copay $25 copay $50 copay $10 copay + 25% $25 copay + 25% $50 copay + 25% $15 copay $25 copay $50 copay $15 copay + 25% $25 copay + 25% $50 copay + 25% $15 copay $25 copay $50 copay $15 copay + 25% $25 copay + 25% $50 copay + 25%
Mail Order (up to 90 days) Generic Brand Formulary Brand Non-Formulary $20 copay $50 copay $100 copay Not covered Not covered Not covered $30 copay $50 copay $100 copay Not covered Not covered Not covered $30 copay $50 copay $100 copay Not covered Not covered Not covered
RETAIL AND MAIL ORDER PRESCRIPTIONS
Locate a participating pharmacy, check co-pays, track an order, request a refill online at
www.express-scripts.com.
CUSHMAN & WAKEFIELD
2012-2013
During the 2012-2013 plan year, be on the lookout for the red and blue Educate and
Empower arrows in future C&W communications. These arrows will help you identify
the different actions, programs, and tools that have been designed to assist you in
taking control of your health.
Together we can make a difference!
12
BENEFITS EDUCATE
PROGAM 2012-2013
BLUECROSS BLUESHIELD add number
MEMBER ACCESS AND TOOLS
ALL THREE BCBS PLANS
• Give members access to the Nationwide BlueCard®program
• Utilize BCBS PPO provider network
• Cover services both in-network and out-of-network
BCBS MEMBER TOOLS
• Find a Doctor – www.empireblue.com/cushman
• Online access to claim information
• Toll free member service number - 866-517-1092
• 24/7 Nurseline – immediate support when you need help
• MyHealth, powered by WebMD – one stop access to health information
• Health Risk Assessment – identify health risks
• Condition Management Programs – help you understand and manage
chronic conditions such as asthma, high blood pressure, and diabetes
• Healthy lifestyles – online programs to help you quit smoking, manage stress,
get active, and eat nutritiously
CUSHMAN & WAKEFIELD
2012-2013
• A voluntary service for moms-to-be
• Toll free, round-the-clock access to information and support from registered nurses
• Educational materials - what to expect week to week
• Consultations with dieticians, exercise physiologists, and pharmacists
• Post-delivery support and service
TOOLS AND RESOURCES
NEW PROGRAM – FUTURE MOMS
PROGAM 2012-2013
• Walk-in clinics and Urgent Care Centers are alternatives to a hospital emergency room for medical problems that occur over the weekend and need immediate attention, but are not life threatening.
• These facilities are more cost effective and usually have much shorter waiting times for treatment.
• Use in-network providers for the lowest out-of –pocket maximum; most often you are only responsible for the in-network physician co-pay.
• C&W has made a special arrangement with Anthem so that your share of the cost in these situations will be limited to the lesser of 30% of the reasonable and customary charge or $75.
URGENT CARE
CUSHMAN & WAKEFIELD
2012-2013
Express Scripts is working with C&W to be sure you get the right medication to treat your
condition at the most affordable price for both you and the company.
ZERO DOLLAR CO-PAY OFFER
For most people, therapeutic equivalent generic drugs work just as well as brand name drugs, but cost a lot less. Express Scripts will let you know if you are eligible for ZERO dollar co-pay program, and provide information for you to share with your prescribing doctor who can write a new prescription.
Under the Zero Dollar co-pay program, your copayment can be waived up to 6 months when you convert to a generic alternative.
SELECT HOME DELIVERY
Home Delivery is a safe, convenient, and economical way for members to fill prescriptions for maintenance drugs. When you use Home Delivery, you can get up to 3 months supply for the price of 2 months at the retail pharmacy. Express Scripts will ask you to make a choice about how you fill you prescriptions for maintenance drugs. You can select:
1. Home Delivery, or 2. Retail pharmacy
You must notify Express Scripts of your choice prior to the 3rd time you fill your prescription at a retail pharmacy, or you will have to pay the full cost until your selection is made.
PHARMACY CLINICAL PROGRAMS
ZERO DOLLAR COPAY OFFER AND SELECT HOME DELIVERY
PROGAM 2012-2013
STEP THERAPY
Step therapy will apply if you are taking a brand drug and a generic or lower cost prescription is available. Your physician must get approval from Express Scripts to be covered for a non step therapy prescription.
You can call Express Scripts to determine if your prescription requires Step therapy (877-498-5746).
PRIOR AUTHORIZATION
Designed for patient safety, Express Scripts has developed a list of medications with a high potential for inappropriate use.
If a physician prescribes one of the drugs requiring Prior Authorization (PA), the pharmacist will check to see if there is a PA on file.
If no PA is on file, the pharmacist can ask your doctor to contact Express Scripts Prior Authorization Department for a review (24 hours a day).
If clinical criteria is met, the prescription will be covered under the drug program. To determine if Prior Authorization is required for your prescription, call Express Scripts (877-498-5746).
A list of medications can be found on CWnow under the Employee Resources Tab, click on HR Policies Benefits and Retirement – Benefits and Retirement Planning – Open Enrollment.
NEW PHARMACY CLINICAL PROGRAMS
CUSHMAN & WAKEFIELD
2012-2013
CURASCRIPT
Express Scripts is the preferred source of specialty medications for the
treatment of complex chronic diseases such as multiple sclerosis, hemophilia, cancer, and rheumatoid arthritis.
Prescriptions for specialty drugs, whether purchased in a retail network pharmacy, or CuraScript, are limited to a 30 day supply because the dosage may change on a frequent basis.
Once you are using the Curascript program, CuraScript will call your doctor to obtain a prescription, and then call you to schedule delivery.
CuraScript prescriptions can be delivered to your home, workplace, or doctor‟s office within 48 hours of ordering.
To learn more about CuraScript, call 1-866-413-4135.
SPECIALTY DRUGS
PROGAM 2012-2013
Maintaining a healthy life style is important. It is also important to identify health risks early to prevent them from getting worse.
To help you identify and manage these risks, the company is offering incentives to employees enrolled in BCBS medical plan.
WELLNESS INCENTIVES
Wellness Incentive
$100 upon completion of
your annual exam, and
completion of the online
Health Risk Assessment. Well
visits are covered at 100%
under all three medical
plans.
CUSHMAN & WAKEFIELD
2012-2013
HCSA
• Health Care Spending Account: This account may be used to pay for eligible medical, prescription, dental, vision and other eligible out-of-pocket expenses that are not covered by insurance plans.
• You may contribute using before-tax payroll deductions of a minimum of $100 to a maximum of $2,500 or 50% of pay whichever is less.
• Health Care Spending Account participants will also receive a Benefit Card to pay for eligible medical, prescription, dental, and vision care expenses at the point of sale or service.
• This benefit is not available to a 3508 Statutory Employee under IRS section 3508.
C/ECSA
• Child/Elder Care Spending Account*: This account may be used to pay for certain child/elder care expenses using before-tax pay deductions of a minimum of $100 to a maximum of $5,000 for married employees filing a joint tax return and single employees, or maximum of $2,500 for married employees filing separately.
• This benefit is not available to Entity Brokers or 3508 Statutory Employees under IRS section 3508.
*Please note that sleep away camp is not reimbursable under this plan
FLEXIBLE SPENDING ACCOUNTS – HCSA AND C/ECSA
PROGAM 2012-2013
FLEXIBLE SPENDING ACCOUNTS
HEALTH CARE SPENDING ACCOUNT (HCSA)
• $2,500 annual maximum effective April 1, 2012. Internal Revenue Rules for plans begin on/ or include January 1, 2013.
• A Debit Card will be provided for the Health Care Flexible Spending
Account to use at most healthcare related merchants.
• Can be used with all three BCBS medical and Express Scripts prescription plans.
• Certain over the counter (OTC) medications are covered with a doctor‟s prescription.
CHILD / ELDER CARE SPENDING ACCOUNT
(C/ESCA)
• $5,000 annual maximum set by the Internal Revenue Service
• To qualify for reimbursement, day care must be necessary so that you and your spouse, if married, can work or go to school full time.
• Claims can be reimbursed only up to the amount of pre-tax contributions in your account when your claim is submitted.
Important Facts
• Administered by
BlueCross BlueShield.
• 3508 Brokers and Entity
Brokers are not eligible.
• Pre-tax payroll
deductions.
• Deducted in equal
installments each pay
period.
• Annual election – no mid
year changes except for
qualified life event
changes.
• Two accounts – separate
elections and balances do
not cross apply.
CUSHMAN & WAKEFIELD
2012-2013
Important Note: C&W is taking advantage of an IRS regulation that gives
employees a 2 ½ month extension or “grace period” to incur eligible
expenses before the “use it or lose it” provision is applied.
Example: Participants in the 2012-2013 Flexible Spending Accounts will have until June 15, 2013 to incur eligible expenses, and until September 30, 2013 to submit these claims before any funds remaining in the Accounts are lost.
Claims incurred from April 1, 2013 to June 2013 will have to be submitted via paper directly to ADP.
FLEXIBLE SPENDING ACCOUNTS
IMPORTANT NOTE
PROGAM 2012-2013
DENTAL COVERAGE
You have two MetLife dental plan options to choose
from; the Preventive Plan and the Comprehensive
Plan.
When enrolling, you have a choice of: • Employee Only
• Employee plus 1 Dependent
• Employee plus 2 or More Dependents
1. The Preventive Plan is designed for individuals who typically only need basic dental care.
2. The Comprehensive Plan pays up to $2,000 per individual per year for basic and major services, such as crowns.
CUSHMAN & WAKEFIELD
2012-2013
SUMMARY OF THE DENTAL PLANS
24
DENTAL PLAN COMPARISON
BENEFIT PREVENTIVE DENTAL PLAN COMPREHENSIVE DENTAL PLAN
In-Network Out-of-Network* In-Network Out-of-Network*
Deductible $50 per person
$150 per family
$50 per person $150 per family
Preventive Care 100% (no ded.) 100% (no ded.) 100% (no ded.) 100% (no ded.)
Basic Care 50% 50% 80% 80%
Major Care Not Covered Not Covered 50% 50%
Child Orthodontia Not Covered Not Covered 50% 50%
Annual Dental Max. Benefit
$500 $500 $2,000 $2,000
Child Orthodontia to age 19
Not Covered Not Covered 50% 50%
Lifetime Orthodontic Max Benefit
NA NA $2,000 $2,000
PROGAM 2012-2013
•
Coverage provider is United Healthcare.
•
You have an enrollment choice of:
•
Employee Only
•
Employee plus 1 Dependent
•
Employee plus 2 or More Dependents
CUSHMAN & WAKEFIELD
2012-2013
SUMMARY OF THE VISION PLAN
26
VISION PLAN SUMMARY
BENEFIT NETWORK PROVIDER NON-NETWORK PROVIDER
Eye Exam (once every 12 months) $10 co-pay Reimbursement up to $40
Materials (applies to eyeglass purchase –
lenses & frames or contacts)
$20 co-pay NA
Lenses (once every 12 months)
Single vision 100% Reimbursement up to $40
Bifocal 100% Reimbursement up to $60
Trifocal 100% Reimbursement up to $80
Lenticular 100% Reimbursement up to $80
Frames (once every 12 months) Up to $130 allowance Reimbursement up to $45
Contact Lenses - in lieu of eyeglasses
(once every 12 months)
Elective Contact Lenses 100% Reimbursement up to $125
Necessary Contact Lenses 100% after applicable co-pay Reimbursement up to $210
PROGAM 2012-2013
CORE LIFE INSURANCE
C&W provides core coverage of 1 ½ times your earnings up to $50,000 (except Entity brokers).
OPTIONAL LIFE INSURANCE
FOR YOU
Life insurance in multiples of ½ to 5 times benefit earnings. $2 million combined maximum combined Core and Optional.
Guarantee Issue maximum of $1,000,000 combined Core and Optional for new hires**. Guarantee issue means that no medical exam or health questionnaire will be required for this portion of the coverage.
FOR YOUR SPOUSE/DOMESTIC PARTNER:*
50% of your Core amount, or up to half the amount of your optional coverage to a maximum of $150,000**.
FOR DEPENDENT CHILDREN:*
Provides a $4,000 benefit for each child over six (6) months.
*Entity Brokers not eligible for dependent Optional Life Insurance.
LIFE INSURANCE
Reliance
Standard Life
Insures the C&W core and
optional life insurance
plans.
Optional Life
Rates
CUSHMAN & WAKEFIELD
2012-2013
Short-Term Disability benefits are provided to all eligible associates based on their
division:
•
Salaried (Corporate) and Property employees are provided with a core and buy-up
benefit
•
Entity brokers are provided with voluntary benefits only
For specific information on the plan design go to the presentation page indicated below.
Additionally, the links on page 35 will bring your directly to the new hire guide in Cwnow.
•
Salaried Corporate page 38
•
Property page 39
•
Brokers page 40
Core and Optional
28
PROGAM 2012-2013
LONG-TERM DISABILITY (LTD)
•Available for employees working 30 or more hours per week. The LTD plan pays a monthly benefit based on Benefits Earnings and plan option chosen.
•This benefit is provided for a disability lasting longer than 180 days.
CORE LONG-TERM DISABILITY INSURANCE
DOES NOT APPLY TO ENTITY BROKERS
C&W provides 60% of covered benefit earnings up to $1,500/month after 180 days of consecutive disability.
OPTIONAL LONG-TERM DISABILITY INSURANCE
AVAILABLE IF BENEFIT EARNINGS ARE OVER $30,000
You have the opportunity to purchase additional coverage equal to 60% of earnings to a maximum of $24,000/month.
Benefit begins after 180 days of consecutive disability.
Reliance
Standard Life
Insures the C&W core and
optional LTD plans.
Optional LTD
Rates
No change in rates except
for age, salary, and/or
CUSHMAN & WAKEFIELD
2012-2013
LEGAL PLAN
The plan, administered by Hyatt Legal Group (a MetLife Company) provides you with legal services for many issues, which require the assistance of an attorney.
Coverage is voluntary and available for you, your spouse or domestic partner, and your dependent children.
Hyatt Legal has a large network of participating attorneys.
Services include:
• Preparation of wills, living wills, codicils, and powers of attorney
• Sale and purchase of primary residence
• Tenant negotiations
• Adoption and uncontested guardianship
• Name change
• Plus much more
PROGAM 2012-2013
DOMESTIC PARTNER COVERAGE
•
Domestic partner coverage is available on an after tax basis for employees who enroll in medical, dental,
vision, or legal coverage.
•
Domestic partner life insurance coverage is also an option.
•
Backup documentation is required for enrollment.
CUSHMAN & WAKEFIELD
2012-2013
RETIREMENT SAVINGS PLAN
401(k) RETIREMENT PLAN
Corporate Salaried and Draw brokers may be eligible
An electronic enrollment kit will be emailed to your email address from JPMorgan after you
start. Additionally, a copy of the enrollment kit is also available on CWnow.
You can enroll by phone by calling JPMorgan at 1-800-345-2345 or on line at
www.retireonline.com
.
PROGAM 2012-2013
TRANSPORTATION BENEFITS
•
The C&W Commuter Program is available to set aside a portion of your compensation on a
before-tax basis to pay for out-of-pocket, work-related parking and mass transit commuting
expenses.
•
The payroll deductions are subject to government-regulated amounts.
•
For additional information and to enroll, go to the WageWorks website at
www.wageworks.com
or call 877-924-3967.
CUSHMAN & WAKEFIELD
2012-2013
VOLUNTARY INSURANCE PROGRAM (VIP)
The Voluntary Insurance Program (VIP) is designed to provide employees with a simple and
convenient method to purchase valuable insurance coverage at a discounted rate.
New hires may enroll in this coverage by calling 1-866-795-0355 from Monday through Friday
from 8:00 am EST – 5:00 pm EST.
•
Transamerica Universal Life Insurance
•
MetLife Critical Illness Coverage
•
MetLife Voluntary Accidental Death and Dismemberment
•
MetLife Voluntary Pet Insurance
•
AFLAC Personal Accident Insurance (products vary by state)
•
AFLAC Personal Sickness Insurance (products vary by state)
PROGAM 2012-2013
DOCUMENT LINKS
To open each link below, please right click on the mouse and select the „Open Hyperlink‟ option.
Corporate (Salaried & W2/3508 Broker) New Hire Summary
Entity Broker New Hire Summary
CUSHMAN & WAKEFIELD
2012-2013
This information is intended to provide, for informational purposes only, a brief description of provisions of the Cushman & Wakefield employee benefit plans and policies that are relevant to your election decisions. More specifically, the open enrollment information does not fully describe all exclusions from and limitations of the coverage's provided by those plans and policies. Please consult your summary plan description for that
information. If you have any questions, please contact your Operations Manager, or US Human Resources. Please understand that this document does not change, amend, or otherwise interpret the terms of the legal or official documents of regulatory filings governing these plans and policies. If you believe that any of the
information contained in this document is or may be inconsistent with the information in your summary plan description, be sure to ask for clarification. The terms and provisions of the summary plan description and the official plan documents will govern in all cases.
Although Cushman & Wakefield, Inc. has no present intention to amend, modify or terminate any employee benefit plan currently in effect, Cushman & Wakefield, Inc. reserves the right to amend, modify, or terminate any employee benefit plan or policy for any reason, and at any time in the future.
PLEASE NOTE
PROGAM 2012-2013
Any Questions?
CUSHMAN & WAKEFIELD
2012-2013
• When a non-occupational illness or injury prevents you from working, short-term disability benefits may provide continuation of your pay for up to 25 weeks.
• Eligibility for Core STD benefits is at no cost to you. Benefit level and duration of benefits is based on your length of service. There is no length of service requirement for optional coverage.
• Ability to purchase up to 25 weeks of Optional STD* to supplement core STD plan.
SHORT-TERM DISABILITY (STD)
38
SALARIED EMPLOYEES
Coverage
Core STD
Optional STD
Benefit Covers 100% of base weekly
compensation Covers 70% of base weekly compensation Benefit Begin 8thday of an illness/injury (1stday if
hospitalized for 24 hours)
8thday of an illness/injury (1stday if
hospitalized for 24 hours)
LENGTH OF SERVICE CORE WEEKS OPTIONAL WEEKS
Benefit
Less than 6 months 0 25
6 months to 1 year 1 24 1 or 2 years 3 22 3 or 4 years 6 19 5 or 6 years 11 14 7 or 8 years 15 10 9 or more years 25 0
PROGAM 2012-2013
PROPERTY EMPLOYEES
SHORT-TERM DISABILITY (STD)
Coverage
Core STD
Optional STD
Benefit Covers 70% of base weekly
compensation up to $1,000 per week
Covers 70% of base weekly
compensation up to $1,000 per week Benefit Begin 8thday of an illness/injury (1stday if
hospitalized for 24 hours)
8thday of an illness/injury (1stday if
hospitalized for 24 hours) Benefit Period Based on Length of
Services
LENGTH OF SERVICE CORE WEEKS OPTIONAL WEEKS
Benefit
Less than 6 months 0 25
CUSHMAN & WAKEFIELD
2012-2013
40
SHORT-TERM DISABILITY
VOLUNTARY SHORT-TERM DISABILITY (STD)
AVAILABLE TO BROKERS ONLY
• Benefits begin on the 15th day of disability due to a non work related accident or sickness.
• The weekly benefit will equal 60% of weekly income to a maximum of $2,500.
• Benefits for one period of disability can be paid for up to 26 weeks.
• Maternity coverage is included.
• Pre-existing conditions are excluded for the first 6 months of coverage.
• You may be asked to complete a health questionnaire.
**ENTITY BROKERS ARE NOT ELIGIBLE
40