Enrollment Guide

2015 Open
Enrollment
Guide
Enroll in Benefits
October 20 – November 7
Optional headline
can go here across
a few lines.
Keeping you informed
This guide is a key part of our communication to you to give you information about your benefit
choices for 2015 and how to enroll. But it’s only one of the ways we’re keeping you informed.
Here’s a snapshot of the benefits communication available to you.
September
October
December
January
• Open Enrollment reminder
• Open Enrollment
• Confirmation statement
• “Tips” guide with
postcard and posters
• Open Enrollment
employee meetings and
with a record of the
information on how to
webinars
benefits you chose
make the most of the
informational website –
• Teladoc® welcome kit
cargill.com/mybenefits
• Spouse/domestic partner
re-verification packets
Cargill medical plan
you chose during Open
Enrollment
What’s Inside
It pays up to $1,200 to choose wellness.
Wellness program incentives continue for
2015. Remember to complete your annual
health assessment (HA) as early as October 1,
2014, to start earning your 2015 healthy activity
points! Visit mywellbeing.cargill.com any time
to learn more about how you can feel your best
and maximize your savings.
How to enroll . . . . . . . . . . . 2
What happens if you
don’t enroll . . . . . . . . . . . . . 3
What’s new for 2015 —
cool tools and more . . . . . 4
Know your benefits . . . . . . 7
Vendor contact
information . . . . . . . . . . . . 14
Get smart and take charge of your health
Welcome to 2015 benefits Open Enrollment. It is your annual opportunity to review all of the
benefits available to you and choose the ones that fit your life for the coming year. Read this
enrollment guide for details about your options and how to enroll. Then keep it somewhere
convenient so you can refer to it any time you need more information.
New this fall and next year are some helpful tools and resources to help you make the most
of your health care benefits and save you time, money and effort. Learn about them in the
What’s New for 2015 section of this guide.
And don’t forget about Cargill’s wellness program, which can help you get – and stay –
healthy, and earn up to $1,200 in wellness incentives. You’ll find a handy summary of how to
earn your incentive inserted in this guide’s cover.
Not sure who to call?
Call Patient Care for questions about
health care benefits:
Call HR Direct Dial for questions about
other benefits:
• Medical Plans
•Enrollment
• Health Savings Account (HSA)
• Dependent Verification
• Health Reimbursement Account (HRA)
• Life Insurance
• Prescription Drugs/Pharmacy Benefit
• Accidental Death and Dismemberment
• Wellness Programs
•Disability
• Dental Plan
• Accident and Sickness
• Vision Plan
• Business Travel Accident Insurance
• Flexible Spending Accounts
• Adoption Assistance
o Health Care Spending Account (HCSA)
• Tuition Reimbursement Program
o Dependent Care Spending Account (DCSA)
Patient Care
1-877-344-7474 for English
1-800-381-5834 for Spanish
HR Direct Dial
1-877-366-9696 for English and Spanish
Monday through Friday, 7 a.m. – 8 p.m. CST
Extended hours during Open Enrollment:
Saturday, 8 a.m. – 1 p.m. CST
Monday through Friday, 7 a.m. – 7 p.m. CST
Monday through Friday, 8 a.m. – 5 p.m. CST
2015 Open Enrollment Guide | 1
How to enroll
When it’s time to choose your benefits for 2015, it’s easy to enroll.
1
Learn about your options.
• Read this guide for general information about your 2015 options.
• Attend an employee meeting or review the employee presentation at cargill.com/mybenefits.
• Log on to cargill.com/mybenefits for additional benefit details.
• Call Patient Care if you have questions.
2
Enroll through HR Direct at https://hrdirect.cargill.com between
October 20 and November 7.
• Choose your benefits.
• Enter your tobacco status.
• Review your spouse* election, if applicable.
• Confirm your beneficiaries.
• Review your online confirmation statement; you can make changes until November 7.
If you do not have online access, you can enroll over the phone through HR Direct Dial at 1-877-366-9696. But don’t wait;
callers will experience longer wait times during the last few days of enrollment.
3
Verify spouse/dependent eligibility.
If you add a dependent to your coverage for 2015 or haven’t verified your covered spouse since before January 2014, you
will receive a verification package from Mercer. Follow the instructions to verify your spouse/dependent’s eligibility or they
will lose coverage.
*Cargill’s definition of spouse includes domestic partners.
We want to hear from you! After you enroll, you’ll be invited to complete a brief
online survey. This is your chance to tell us what you think about your enrollment
experience – what worked for you and what we can do better. Please take a
moment to give us your feedback and, as a thank you, you’ll be entered to win one
of ten $100 American Express gift cards. We’ll even cover any applicable taxes on
your gift card if you win! Winners will be notified the week of November 17.
2 | 2015 Open Enrollment Guide
What happens if you don’t enroll
If you choose not to participate in Open Enrollment this fall, here’s what you can
expect for 2015, depending on your current elections.
Medical benefits
Current elections
Default for 2015 if you don’t enroll
Health Reimbursement Account (HRA) plan
HRA plan at your current coverage tier
Health Savings Account (HSA) plan
HSA plan at your current coverage tier
Note: you will default to a $0 HSA contribution. We
encourage you to update your contribution during Open
Enrollment; however, you can also increase or decrease your
HSA contributions any time throughout the year.
Primary plan
Primary Plan at your current coverage tier
No Cargill medical coverage
No Cargill medical coverage
Spending accounts Health Care Spending Account (HCSA)
$0; you must re-enroll each year to participate
Note: you may not roll over up to $500 of your remaining
amounts in your HCSA if you do not re-enroll in the HCSA
Other benefits
Dependent Care Spending Account (DCSA)
$0; you must re-enroll each year to participate
All non-medical benefits (for example, vision,
Current elections will carry over
dental, life insurance, etc.)
2015 Open Enrollment Guide | 3
What’s new for 2015
For 2015, the focus is on giving you resources to make your life easier
and help you get the most value from your benefits.
Smart ways to save. The costs of health
care services and prescriptions can vary
greatly by location, facility or provider.
And, paying more doesn’t always mean
better quality. The following tools and
resources can help you get great-quality
health care and save time and money at
the same time. What’s not to like?
Ways to Save Alerts
Ever wish you had a savvy friend who
understood the ins and outs of health care and
could help you get the best deals? Now you
have one – right in your pocket. As a Cargill
BCBS medical plan member, you can sign
up to receive a text or email when there is a
chance for you to save money on a service or prescription you’re
already using. The alert system automatically reviews any recurring
claims you had the prior month(s) to see if the same services can
be found nearby for less. Alerts may show you the amount you can
save by considering:
Win and win again! When you explore
the new tools available in 2015, you’ll
win big by saving time and money. And
when you register for Ways to Save
Alerts by January 31, 2015, you will be
entered into a drawing for significant
prizes like cash ($1,000 and $500), Fitbit®
Ones, iPad minis™ and gift cards. We’ll
even cover any applicable taxes on your
prize if you win!
• Lower-cost pharmacies
• Facility alternatives, such as choosing an imaging center rather
than a hospital for an MRI (MRI costs can vary as much as
600% from provider to provider)
• Provider alternatives that are near you
• Drug alternatives to discuss with your doctor
Let Ways to Save Alerts shop for you. Sign in to your account at
bluecrossmn.com/cargill to sign up and pick your preferences by
clicking “Search,” then “Quick Links” and “My Savings Profile,”
or call Patient Care at 1-877-344-7474 and they can help you
sign up. Messages will start arriving in February any time there’s a
chance to save. If you register by January 31, 2015, you’ll be
entered into a drawing* for some awesome prizes, including
Learn more! Click on the
shopping cart icon on
bluecrossmn.com/cargill for
how to register and access
any of these tools.
4 | 2015 Open Enrollment Guide
cash ($1,000, $500), iPad minis™, Fitbit® Ones and more, so
don’t wait.
*Drawing open to active Cargill employees and spouses enrolled in an
eligible Cargill BCBS of MN medical plan.
Here’s your first tip: A study of employees
at other participating companies
suggests Ways to Save Alerts could
save an individual hundreds of dollars a
year depending on health care services
and utilization. What would you do with
a couple hundred extra dollars in your
pocket? Sign up to find out.
Savings Dashboard
When it comes to your health, it pays to be in the driver’s seat.
Your personalized Savings Dashboard gets you there. Sort of like
“driver’s education” for your medical plan, this tool analyzes how
you use your benefits and provides personalized suggestions to
help steer you toward savings.
You’ll see the real cost
of services and how
they vary – often greatly
– between different
providers and facilities.
Learn where to fill your
prescription for less,
and find a clinic that
charges a lower price
for the same quality of services you’re receiving elsewhere.
Savings Dashboard is available now and, in 2015, will integrate
your Ways to Save Alerts. Sign in to bluecrossmn.com/cargill to
get behind the wheel and start saving.
Healthcare University
Watch videos and play
Cost Look-Up is here today!
games to learn more about
your health care benefits
Want to start saving today? If you’re a BCBS medical plan member,
go to bluecrossmn.com/cargill any time and sign in (or create
an account) to try the Cost Look-Up Tool, part of the provider
finder tool, or to check the cost of services like an MRI, specific
procedures or surgery. Get informed before you schedule your next
appointment so you can compare costs, understand your options
and select the provider, facility or service that meets your needs
and earn wellness incentive points. Healthcare University offers
videos, quizzes and games you can play any time, anywhere, even
on your mobile phone or tablet. This free feature makes it easier
than ever to learn how to get the most value from your medical
benefits. School is in session – go to bluecrossmn.com/cargill to
get started. Healthcare University is available in addition to the tools
available through RedBrick Health.
and budget. This tool is available today.
2015 Open Enrollment Guide | 5
Teladoc® brings the doctor to you!
Re-verifying spouse* eligibility
We all know health care costs are increasing, and these increases
Who wants to drive to an appointment
affect each of us. To continue to help manage costs for all
when you’re not feeling well, and then sit
employees in the plan, we need to ensure that the plan is covering
in the waiting room with other sick people while you wait your turn?
only dependents who are eligible for company-sponsored medical
Teladoc is an easy, convenient and affordable alternative to an
coverage.
office, urgent care or emergency room (ER) visit. You can talk to
To do so, we will be requesting that employees who have not
a board-certified, licensed doctor by phone or online video chat
verified an enrolled spouse since prior to 2014 re-verify the
(where available*), any time, day or night, to get help for yourself
spouse’s eligibility. If this applies to you, you’ll receive a re-
or your covered dependents. Simply call or log in to request a
verification packet in December from Mercer. Spouses not verified
consultation, and you’ll get connected with a physician who is
by the deadline listed in the packet will be removed from coverage
licensed in your state. They can diagnose and even prescribe
as ineligible.
medication for non-emergency issues like:
• Ear/sinus infections
*Cargill’s definition of spouse includes domestic partners.
•Bronchitis
New employee contribution rates
•Allergies
• Colds and flu
While we look to 2015, medical costs are expected to increase
• Urinary tract infection
7% nationally. Cargill employee contribution rates will increase
• Respiratory infection
an average of 4.5% for medical and 3% for dental for 2015.
• Strep throat
Remember, you can lessen the effect of rising medical plan
• And more
contributions by utilizing the new tools being offered to reduce your
With your permission, Teladoc can share your consultation record
with your primary doctor.
Teladoc becomes available to Cargill Blue Cross and
Blue Shield (BCBS) salaried medical plan participants on
January 1, 2015. The service costs $40 per consultation, which
applies toward your deductible and out-of-pocket maximum. Your
use of Teladoc is completely confidential. If you enroll in a Cargill
medical plan for 2015, you’ll receive more information on Teladoc
later this year.
Teladoc will replace the BCBS nurse advice line, which will no
longer be offered in 2015.
*Teladoc is not available in Idaho, and Teladoc’s video consultations are not
available in Iowa, Louisiana, Missouri, Ohio and Texas.
6 | 2015 Open Enrollment Guide
out-of-pocket costs. Also, you can reduce your costs by earning
your Wellness incentive. Check out the Wellness insert for details.
See pages 9 (medical) and 11 (dental) for detailed rate information.
Know your benefits
When you understand your benefits and how they work, you can get the most from your plan, take
advantage of perks and avoid surprises.
The benefit information in the following section, combined with the new resources described at
the beginning of this guide (see pages 4-6), can boost your benefit know-how and confidence. Use
it to make informed choices when you enroll, and when you use your benefits throughout the year.
Be financially well
Open Enrollment season is more than just a time for reviewing your
health and welfare benefits; it’s also a great time to review your
retirement benefits. Are you where you want to be in saving for
retirement, or does your 401(k) plan need an “annual check-up”?
• If you’re already saving in the 401(k), consider increasing your
contribution.
• Sign up for online access at vanguard.com and consider using
Vanguard’s online advice.
• If you opted out of the plan, maybe now is the time to start
saving… even a little!
• How about contributing to an after-tax Roth through the plan?
• If you’re 50 or older by the end of the year, you can make
additional catch-up contributions.
• Remember that you can exchange a portion of your ESOP
Yes, you still need health care coverage.
Even though health care reform isn’t
front and center this year, it’s still there.
Under health care reform, individuals are
required to have health care coverage
or pay a tax penalty. If you and your
dependents choose coverage through
Cargill or a qualified plan elsewhere,
you won’t be subject to the individual
penalty. There are some exceptions and
exemptions from the penalty. For more
information, contact Patient Care at
1-877-344-7474.
stock into other investment funds after five years of service.
• Are the beneficiaries you have on file current?
Simply log on to vanguard.com, or call 1-800-523-1188, Monday
through Friday, 7 a.m. to 8 p.m. (CST).
2015 Open Enrollment Guide | 7
Your medical plan options
Whether you’re young and healthy, someone who has the pediatrician on speed dial, or a single dad with three growing kids, it’s important
to have coverage that helps keep you healthy with access to 100% coverage for in-network preventive care and helps cover the cost of
health care services if, or when, you need them.
Cargill offers three medical plan options so you can choose the one that fits your budget and best meets the needs of you and your family.
2015 Medical Plan Options
In-Network Benefits
Tier*
HRA Plan
HSA Plan
Primary Plan**
Highest employee
contribution
Medium employee
contribution
Lowest employee
contribution
1
$1,200
$1,800
$2,500
2, 3 or 4
$1,800
$2,700
$3,700
5 or 6
$2,400
$3,600
$5,000
Monthly Contribution
(see rates on page 9)
Deductible
Amount you pay before the
plan pays coinsurance
Note: The HRA and HSA plan deductibles are offset by
Cargill’s contribution to your account (see below)
Cargill’s Contribution to
Your Account
Pays for a portion of your
deductible
1
$500
$750
2, 3 or 4
$750
$1,100
$1,000
$1,500
Plan pays 80%
You pay 20%
Plan pays 80%
You pay 20%
Plan pays 70%
You pay 30%
Plan pays 100%
Plan pays 100%
Plan pays 100%
1
$3,500
$3,800
$6,000
2, 3 or 4
$5,200
$5,700
$9,000
5 or 6
$7,000
$7,600
$12,000
5 or 6
Coinsurance
Percent the plan and you pay after
your deductible (in network)
Preventive Care (in network)
Out-of-Pocket Maximum
The most you will pay in a year for
eligible expenses, including your
coinsurance, deductible and any
prescription copays
Once you reach your out-of-pocket maximum, you pay 0% and Cargill pays 100% (in-network)
Prescription Drug Coverage
You pay 25% after deductible
with the following limits:
Retail (31-day supply)
Generic:
$10 min/$25 max copay
Preferred brand:
$20 min/$60 max copay
Non-preferred brand:
$50 min/$100 max copay
Mail Order (90-day supply)
Out-of-Network Coverage****
$0
(no account)
Generic:
$20 min/$50 max copay
Preferred brand:
$40 min/$120 max copay
Non-preferred brand:
$100 min/$200 max
Plan pays 60%
You pay 40%
You pay 30% after deductible
You pay 20% after deductible
(certain approved maintenance
drugs are not subject to the
deductible)***
Plan covers maintenance drugs
only if received through mail
order
Plan pays 60%
You pay 40%
In-network coverage only
(except for emergency services)
*Rate Tiers are explained in the chart on page 9.
**Differences in covered benefits for the Primary plan include, but are not limited to: no infertility coverage, and Blue Distinction Centers must be used to
obtain coverage for certain procedures. Review your Summary Plan Description or contact Patient Care at 1-877-344-7474.
***Certain approved drugs are not subject to the deductible. A complete list of these drugs can be found on the on the Cargill Connects’ HR Center under
Health & Wellness > Research Benefits > How Do Prescriptions Work.
****Out-of-network coverage also has higher deductibles and out-of-pocket maximums.
8 | 2015 Open Enrollment Guide
The HRA and HSA medical plans – at a glance
All Cargill medical plans include free preventive care when you use an in-network provider.
Other eligible medical expenses you pay count toward an annual deductible, which you
must meet before the plan starts paying a percentage of covered costs. Under the HSA
and HRA plans, you may use money from your Cargill-funded account to cover your share
of these costs.
This graphic provides a big-picture look at how it all fits together
(in-network coverage only):
You can use your
HRA or HSA money
to help pay for eligible
expenses.
In-network
preventive care
›
FREE FOR YOU. Plan pays 100% of covered
charges. (Call Patient Care at 1-877-344-7474
if you have questions on preventive coverage.)
Deductible
›
You pay 100% of eligible expenses (nonpreventive care) until you satisfy the deductible.
Coinsurance
›
After you meet the deductible, you and Cargill
share expenses through coinsurance.
›
Once your eligible expenses reach the outof-pocket maximum, the plan pays 100% of
eligible expenses for the remainder of the year.
Out-of-pocket
maximum
Monthly Medical Employee Contributions
HRA Plan
Rate Tier
HSA Plan
Primary Plan
Standard Rate
After Incentives*
Standard Rate
After Incentives*
Standard Rate
After Incentives*
1
Employee only
$152
$77
$131
$56
$92
$17
2
Employee and spouse
$295
$195
$241
$141
$190
$90
3
Employee with 1 or 2 children
$232
$157
$188
$113
$136
$61
4
Employee with 3 or more children
$262
$187
$209
$134
$162
$87
5
Family with 1 or 2 children
$361
$261
$288
$188
$209
$109
6
Family with 3 or more children
$390
$290
$324
$224
$261
$161
*This column demonstrates your effective rate assuming you earn the full incentive for the year. The effective rate is determined by dividing the total available
incentive by 12 and subtracting that amount from the monthly rate. Note that the wellness incentive is a taxable payment made quarterly. The effective rates
do not take into account the tax impact of the incentive payments.
2015 Open Enrollment Guide | 9
Covering your dependents
Prevention is key – and free!
You care about your dependents, and so do we. When you enroll, you may choose to cover
yourself and your eligible dependents under the Cargill plans. Generally, eligible dependents
If you think annual checkups are just
include:
for kids, think again. Just as we trust a
• Children, stepchildren, children of your domestic partner and foster children to age 26
mechanic to tune up our cars and check
(for life insurance, children between 19 and 25 must be full-time students in order to be
the oil to prevent costly breakdowns later,
eligible for coverage)
an annual physical with your primary
• Disabled adult children age 26 or older
care doctor can help find problems early,
•Spouse
leading to better treatment options and
• Domestic partner
better outcomes for your health. For
IMPORTANT: If you are adding a new dependent, you will be asked to provide
documentation to support the eligibility of that dependent through the Mercer verification
example, early detection of cancer can
literally save your life.
process. For more information, including detailed definitions and exceptions, visit
Typical preventive care includes an office
cargill.com/mybenefits.
visit, basic biometrics (height, weight,
blood pressure, blood test) that provide
Special note for HSA plan participants with dependents
a snapshot of your overall health and
appropriate cancer screenings. Even if
The IRS allows you to use your HSA to pay qualified expenses for yourself, and for
dependents who meet the IRS definition of “dependent” on your tax return. Take this into
account when choosing your medical plan for 2015 and/or if you are using an HSA to pay
expenses during the year. Talk to your tax advisor for guidance.
Does your spouse have access to other coverage?
If your spouse is eligible for medical coverage through another employer (whether they
have elected coverage or not) and you choose to cover him or her under a Cargill
medical plan, you will pay a fee of $900 per year on a pre-tax basis (domestic partner
fee is post-tax, per IRS regulations). See cargill.com/mybenefits for more information.
Questions? Call Patient Care at 1-877-344-7474 (Spanish: 1-800-381-5834).
10 | 2015 Open Enrollment Guide
you complete a screening onsite through
Cargill’s wellness program, you should go
over your results with your physician, who
can review them in the context of your
overall health history.
Your other benefit options
Dental
Vision
The health of your teeth can affect how often you smile, how you
Do you, your spouse or kids wear glasses or contacts? If so, the
feel and even what you eat. Cargill’s dental plan through Delta
Vision Service Plan (VSP) could be a good fit for you. Coverage
Dental helps you keep your mouth healthy by covering the following
includes vision care products and services, such as:
care (up to a $1,500 annual maximum):
• Eye exams (every year)
• Preventive care (exams, cleanings and X-rays) – covered at
• Frames (every two years)
100% in network
• Lenses (every year)
• Basic services (fillings, extractions) – covered at 80%
• Contact lenses – every year in lieu of glasses (lenses and
• Major services (crowns, bridges, dentures, implants) – covered
at 50%.
frames)
Each time you need vision care, you decide whether to use a
If you or a dependent is considering braces, the plan also covers
VSP in‑network provider (including many national chains) or an
orthodontia (50%, up to a separate lifetime in-network maximum of
out-of-network provider. You save money if you go through the
$2,000/person).
VSP network for your services and supplies. To find a participating
You may visit any provider you choose, but you’ll save money when
you use an in-network provider. To find out whether your provider is
in one of the Delta Dental networks, go to deltadentalmn.org/cargill
provider near you, visit vsp.com/go/cargill and click on “Find a VSP
doctor.” For more detail about your covered benefits under the
plan, visit cargill.com/mybenefits.
and click “Dentist Search” or call 1-800-587-6975. For more detail
Monthly Vision Employee Contributions
about your covered benefits under the plan, visit
cargill.com/mybenefits.
Rate Tier
Monthly Dental Employee Contributions
Rate Tier
Monthly Rate
1
Employee only
$11
2
Employee and spouse
$27
3
Employee with 1 or 2 children
$25
4
Employee with 3 or more children
$27
5
Family with 1 or 2 children
$41
6
Family with 3 or more children
$45
Monthly Rate
1
Employee only
$7.00
2
Employee and spouse
$13.70
3
Employee with 1 or 2 children
$14.90
4
Employee with 3 or more children
$14.90
5
Family with 1 or 2 children
$21.50
6
Family with 3 or more children
$21.50
2015 Open Enrollment Guide | 11
Flexible Spending Accounts
Life Insurance
Health care and dependent care costs can really add up. Flexible
Cargill provides Basic Life insurance coverage at no cost to you,
spending accounts (FSAs) allow you to set aside money to pay
with the option to buy additional coverage for yourself, and/or
for some of these expenses. If eligible, you set aside the money
coverage for your spouse and dependent children.
pre-tax which means that you do not pay tax on the amounts you
Optional coverage is administered by The Standard Insurance
elect to contribute.
Health care spending account (HCSA): You may contribute up
Company and includes:
• Employee: additional life insurance equal to one to five
to $2,500 to your account and can use the money to reimburse
times your salary. During Open Enrollment, you may increase
yourself for eligible medical expenses not covered by your medical,
your coverage by one times your salary without evidence of
dental or vision plans for yourself, your spouse or anyone who
insurability.
qualifies as a dependent on your federal tax return – even if you
don’t cover them on your Cargill benefits. If you are enrolled in the
HSA plan, your HCSA may be used for dental and vision expenses
• Spouse: up to $250,000 in $25,000 increments (you can
increase coverage by $25,000 during Open Enrollment without
evidence of insurability).
only.
• Dependent Children: up to $10,000 in $2,000 increments.
Dependent care spending account (DCSA): Contribute up to
For details, visit cargill.com/mybenefits.
$5,000 annually to help yourself pay for employment-related day
care expenses for eligible dependents. An eligible dependent is
Monthly Additional Life Employee and Spouse
Contributions
someone you claim as a dependent on your federal income tax
return, and includes children under age 13 who live in your home,
as well as a spouse or dependent of any age (including parent)
Non-tobacco Rate
(per $1,000 of coverage)
Tobacco Rate
(per $1,000 of coverage)
who lives with you and is physically or mentally incapable of self-
Age
Employee
Spouse
Employee
Spouse
support.
Under age 25
$0.056
$0.056
$0.067
$0.067
This account reimburses you for dependent care expenses that
allow you to work or attend school full time; it does NOT reimburse
you for dependent health care expenses.
Plan carefully! Each of these accounts is separate – you can’t
move money between them. The DCSA has a “use-it-or-lose-it”
restriction that requires you to forfeit any money remaining in your
account at the end of the year. The HCSA allows you to roll over up
to $500, as long as you re-enroll in the HCSA for the next year. Any
money over $500 remaining in your account will be forfeited.
25-29
$0.067
$0.067
$0.078
$0.078
30-34
$0.090
$0.090
$0.101
$0.101
35-39
$0.101
$0.101
$0.112
$0.123
40-44
$0.112
$0.168
$0.134
$0.213
45-49
$0.168
$0.280
$0.235
$0.358
50-54
$0.258
$0.414
$0.370
$0.538
55-59
$0.482
$0.638
$0.538
$0.829
60-64
$0.739
$0.974
$1.165
$1.747
65-69
$1.422
$1.467
$1.434
$1.870
70-74
$2.307
$2.778
$2.330
$3.304
For more information, including restrictions, instructions for
75-79
$2.509
$3.461
$2.811
$3.886
reimbursement and a complete list of covered expenses, go to
80-84
$3.763
$5.253
$4.144
$5.768
85 and older
$6.160
$8.669
$6.597
$9.240
cargill.com/mybenefits.
Dependent care limit for Highly Compensated Employees
(HCEs)
Due to IRS requirements, HCEs – employees making $115,000
or more annually for 2014 – will be limited to a $1,000 Dependent
Care Spending Account (DCSA) contribution in 2015.
12 | 2015 Open Enrollment Guide
Dependent Child Additional Life is $.08/$1,000 of coverage (regardless of
the number of children covered).
Accidental Death & Disability (AD&D)
If you or your spouse were disabled or killed in an accident,
AD&D coverage would provide financial support to you or your
beneficiaries. If eligible, you can purchase voluntary AD&D
coverage through The Standard Insurance Company for yourself
and your spouse in the following amounts:
• For yourself: $25,000 to $500,000 in $5,000 increments.
• For your spouse: $25,000 to $250,000 in $5,000 increments.
You must purchase voluntary AD&D coverage for yourself in
order to purchase it for your spouse, and your spouse’s coverage
level cannot be greater than your coverage amount. See
cargill.com/mybenefits for rates and other information.
Long-term Disability
Did you know that 25% of the U.S. population will have an illness
or injury during their lifetime that requires multiple months of time
off? That’s why Cargill provides those with salaried benefits financial
protection if they are disabled and unable to work for six months or
more. Long-term disability coverage pays two-thirds of your annual
salary if you are totally disabled as defined by the plan.
Core coverage is company paid, up to a maximum annual
salary of $75,000. You can choose to buy additional coverage for
your base salary that is greater than $75,000, up to a maximum
annual salary of $240,000. Evidence of insurability is required. The
monthly cost for buy-up coverage is $0.649 per $100 of monthly
salary. For more information, visit cargill.com/mybenefits.
Do you have a beneficiary on file? You should. Open Enrollment is an ideal time to check
your beneficiary designations and confirm that your life insurance benefits will be paid
according to your wishes. A beneficiary is someone who will receive your life insurance
benefits if you die. You should have a beneficiary on file even if you don’t elect any
additional life or AD&D coverage.
If you die, your spouse or domestic partner will need to provide your marriage certificate
or a signed affidavit of domestic partnership in order to receive the benefit.
2015 Open Enrollment Guide | 13
Vendor contact information
Health care benefits
Plan
Vendor Contact Information
Medical
Blue Cross and Blue Shield
1-866-870-0361
bluecrossmn.com/cargill
• HRA Plan
• HSA Plan
• Primary Plan
Teladoc
1-800-TELADOC (835-2362)
teladoc.com (where available)
Prescription drug
Express Scripts
1-800-349-3759
express-scripts.com
Dental
Delta Dental
1-800-587-6975
deltadentalmn.org/cargill
Vision
VSP
1-800-877-7195
vsp.com/go/cargill
Health Savings Account (HSA)
Health Care Spending Account (HCSA)
ConnectYourCare
1-866-568-7558
connectyourcare.com
Cargill IT Help Desk
For help with Cargill password resets
1-844-227-7657 (NEW number!)
Financial protection benefits
Life Insurance and Accidental Death
and Dismemberment (AD&D)
The Standard Life Insurance Company
1-855-839-9883
standard.com
Accident and Sickness Benefits
(employees with production benefits only)
Long-Term Disability
(employees with salaried benefits only)
14 | 2015 Open Enrollment Guide
Salary Continuation
(employees with salaried benefits only)
HR Direct Dial
1-877-366-9696
Business Travel Accident Insurance
(employees with salaried benefits only)
Chubb Life
For information, contact HR Direct Dial at
1-877-366-9696.
Retirement benefits
Plan
Vendor Contact Information
Cargill Partnership Plan (401(k) and
Employee Stock Ownership Plan
(ESOP))
The Vanguard Group
1-800-523-1188
vanguard.com
Employee Retirement Account
Wellness benefits
Pension Plan
Cargill Pension Service Center
1-800-495-9006
https://cargillpension.ehr.com/ess/home/login.
aspx
Nutritional Counseling
Tobacco Cessation Programs
Blue Cross and Blue Shield
1-866-870-0361
bluecrossmn.com/cargill
Healthy Start Prenatal Program
Call early in your pregnancy to be eligible
for money from Cargill.
Blue Cross and Blue Shield
1-866-870-0361
[email protected]
Health Assessment
RedBrick Health
1-866-322-1719
redbrickhealth.com/login
Health Coaching
Other benefits
Other important contacts
Weight Loss and Tobacco Cessation
Reimbursement Programs
HR Direct Dial
1-877-366-9696
mywellbeing.cargill.com
Employee Assistance Program (EAP)
Bensinger, DuPoint & Associates (BDA)
1-888-247-2086
bdaeap.com (password: cargilleap)
Dependent Care Spending Account
(DCSA)
ConnectYourCare
1-866-568-7558
connectyourcare.com
Health Advocacy Service
Patient Care
English: 1-877-344-7474
Spanish: 1-800-381-5834
Dependent Verification Process
Mercer
1-866-511-8427
Disclaimer: If there are any differences/discrepancies between the
information in this guide and the information in the plan documents
and/or summary plan descriptions (SPDs), the information in the
plan documents/SPDs will control. For details on coverage, we
recommend reviewing your SPD.
2015 Open Enrollment Guide | 15
16 | 2015 Open Enrollment Guide
www.cargill.com
Global HR Operations-NA
P.O. Box 5685
Minneapolis, MN 55440-5685
T 1-877-366-9696
F 952-984-0500
© 2014 Cargill, Incorporated.
Printed in U.S.A.
MEG-1014
Model Enrollment Guide

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