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Introduction
About This Handbook
Using Your Handbook
Need A Hard Copy?
A Guide To Benefit Acronyms
Benefit Basics
Overview
The Total Value of Your Benefits
FlexSolutions
What Happens To Your Benefits...
...If You Are A New Employee
...If You Get Married Or Add A Child To Your Family*
...If You (Or Your Spouse) Are Expecting A Baby
...If You (Or A Family Member) Need Health Care Services
...If You Become Disabled, Or You (Or A Family Member) Are Seriously Ill
...If A Death Occurs In The Family
...If You Leave A&B
Health Care
Introduction
General Information
About The HMSA Medical Plans
Overview
How The HMSA Plans Work
What The HMSA Plans Cover
Description of Covered Services
What The HMSA Plans Do Not Cover
Additional Information
About The CIGNA Medical Plans
Overview
How The CIGNA Plans Work
What The CIGNA Plans Cover
Description Of Covered Services
What The CIGNA Plans Do Not Cover
About The Kaiser Permanente HMO
Overview
How The Kaiser Permanente HMO Works
What The Kaiser Permanente HMO Covers
What The Kaiser Permanente HMO Does Not Cover
About The Vision Plan
Overview
How The Vision Plan Works
What The Vision Plan Covers
How To Access Vision Care Services
What The Vision Plan Does Not Cover
About The Dental Plans
Introduction
How The Plans Work
What The Plans Cover
What The Plans Do Not Cover
If Your Dental Benefits End
More About Your Health Care Benefits
Introduction
Definitions Of Health Care Terms
When Coverage Ends
COBRA Continuation Coverage
Continuation Of Coverage During An Approved Leave
Conversion To Individual Coverage
Effect Of Benefits Under Other Plans: Coordination Of Benefits
Additional Provisions
Survivor & Disability
Introduction
General Information
Employee Life Insurance
Overview
Coverage Amounts
Enrollment Rules
How Benefits Are Paid
Accidental Death & Dismemberment (AD&D) Insurance
Overview
Coverage Amounts
Enrollment Rules
How Benefits Are Paid
Dependent Life Insurance
Overview
Coverage Amounts
Enrollment Rules
How Benefits Are Paid
Business Travel Accident Insurance
Overview
Coverage Amount
How Benefits Are Paid
More About Your Survivor Benefits
Naming A Beneficiary
Claim Procedures
When Coverage Ends
Continuing Coverage
Disability Coverage
Introduction
About The LTD Plan
How The Program Works
More About The LTD Plan
Reimbursement Accounts
Overview
How The Plan Works
About The Health Care Reimbursement Account
About The Dependent Care Reimbursement Account
More About The Reimbursement Accounts
Retirement & Investment
Introduction
General Information
The A&B Retirement Plan For Salaried Employees
Overview
Hired Before January 1, 2008
Overview
Earning Your Retirement Benefit (Vesting)
When You May Receive Retirement Benefits
How Your Benefits Are Calculated
How Benefit Payments Are Made
More About The Retirement Plan
Hired on or After January 1, 2008
Overview
Earning Your Retirement Benefit (Vesting)
When You May Receive Retirement Benefits
How Your Benefit is Calculated
How Benefit Payments Are Made
More About The Retirement Plan
The Individual Deferred Compensation (IDC) Plan
Overview
How The Plan Works
More About The IDC Plan
The Profit Sharing Retirement (PSR) Plan
Overview
How The Plan Works
Investing Your PSR Account Funds
Putting It All Together...
Introduction
Total Account Value
Claim Procedures
Loss Of Benefits
Assignment Of Benefits
Plan Future
Other Benefits
Introduction
LifeWorks Resource And Referral Program
Paid Time Off
Leaves Of Absence
Severance Benefits
Insurance Benefits For Retirees
Educational Benefits
Transportation Benefit Plan
Other Benefits
Legal Information
Introduction
Employer Information
Administrative Information
Directory Of Plans
Filing A Claim For Benefits
Health Information Privacy
Your Rights Under Federal Law

The information in this handbook is for summary purposes only. If any discrepancy exists between the information in this Benefits Handbook and the official plan documents, the official plan documents will govern. For additional details, please see Important Information.