benefits
welcome to annual enrollment!
May 6, 2015 – May 20, 2015
Dear {NAME}
It’s that time of year again, when the Company evaluates our benefit
programs to ensure we are offering you the most effective, affordable
and quality coverage. Last year, we asked you and your family to get
involved and make health care consumerism a priority… and you
listened! By utilizing the various tools we introduced, such as Castlight
Health and Wiser Health, you took charge of your health care spending
and helped us better manage our costs.
Este boletín proporciona información
importante sobre la Inscripción anual para
sus beneficios 2015-2016. Si desea ver la
información sobre la Inscripción anual en
español, visite el sitio web RUsBenefits.com
(usuario: RUS; contraseña: benefits).
We are pleased to announce that, as a result of our team members and their families taking an active role in their health
care, there will be very few changes to our plan design for the 2015-2016 plan year. Also, due to our positive cost
experience over the past year, and to comply with the affordability component of Health Care Reform, team members will
experience minimal, if any, plan premium increases depending upon the option selected.
Although there are few changes for the 2015-2016 plan year, I encourage you to take the time during the upcoming
Annual Enrollment period to be sure that your current choices are still the right ones for you and your family. You should
consider both the cost you pay each paycheck for coverage, as well as what your potential expenses are during the year.
Together, we can control our costs by taking charge of our benefits and continuing to be wise health care consumers.
SVP, Human Resources
1
who must take action
if you don’t do anything
You should take action if you want to:
If you do not take any action via the web or by phone
during the Annual Enrollment period, you will default into
✓Enroll in or change your medical, dental or vision
the following:
election
✓Open an HSA (if you haven’t previously done so)
2014-2015 Election
to get the Company contribution (based on your
medical option) and wellness rebates
✓Change your HSA contribution – your current
election will carry forward if you do nothing
✓Add or drop dependents
✓Enroll in a Flexible Spending Account (FSA) –
your current election will not carry forward
✓Make changes to your supplemental and/or
2015-2016 Election
Medical, dental, vision
and life insurance

The same as your
2014-2015 election
Health Savings Account
(HSA)

The same as your
2014-2015 contribution
Flexible Spending
Accounts (FSAs)

No participation
Tobacco User Status

The same as your
2014-2015 status
Spouse/Domestic
Partner Certification

The same as your
2014-2015 certification
dependent life insurance
Take the time to visit the enrollment site – ibenefitcenter.
✓Change your tobacco user status
✓Change your working spouse/domestic partner
com/toysrus – from May 6, 2015 to May 20, 2015 to review
your current elections and be sure they are still right for you
certification
and your family.
2
get there fast!
Scan the code below with your
smart phone or tablet:
what’s new for
2015-2016
✓Additional salary tier – A new salary
RUsBenefits.com
Login: RUS; Password: benefits
tier for team members earning more
than $150,000 has been built into the
contribution structure.
✓Change in wellness vendor – We’ll
be announcing our new wellness
vendor in May. You will still need to
take a biometric screening and
complete a new health assessment to
earn your wellness rebate. Wellness
rebates will be deposited into your
HSA in the third quarter.
✓Quit for Life – Get access to an
integrated mix of medication support,
phone-based coaching and web-based
learning to help you quit tobacco. If you
successfully complete the program, you
may be eligible for the non-tobacco user
discount on your medical premium.
RUsBenefits.com – get all
of your benefits information
online!
Visit RUsBenefits.com to get everything you need to
know about 2015-2016 Annual Enrollment. Log on to find:
dependent verification
✓Uploading
✓Helpful details about how our medical plans work
✓Interactive Medical Plan Comparison Charts –
documents – It’s now easier to provide
proof of eligibility by uploading your
documents to ibenefitcenter.com/
toysrus. Documents must be received
at the “R”Us Benefits Center by
June 19, 2015 or any new, unverified
dependents will not have coverage for
the new plan year.
choose the medical plans you want to compare
and get a side-by-side comparison
✓Your cost for coverage
✓Link to the enrollment site –
ibenefitcenter.com/toysrus
✓Links to tools and resources, including the
Aetna Health Plan Cost Estimator, Castlight
Health and Wiser Health
✓Videos – View the Annual Enrollment video,
CDHP video or HSA video to learn more about
how everything works
Este boletín proporciona información importante
sobre la Inscripción anual para sus beneficios
2015-2016. Si desea ver la información sobre
la Inscripción anual en español, visite el sitio
web RUsBenefits.com (usuario: RUS; contraseña:
benefits).
✓Legally-required notices, Summary Plan Descriptions
and Summary of Benefits and Coverage
It’s easy to access the site from your desktop and now
from your smartphone or tablet. Visit RUsBenefits.com
(login: RUS; password: benefits) today!
3
enrolling –
what you need to know
New to the HSA? Be sure to enroll before July 1!
If you are enrolled in a medical plan option that is
eligible for a Company HSA contribution and you have
not opened your HSA account, be sure to go through
the steps to enroll before July 1 to get the full
Company contribution. If you enroll after July 1, you
will receive a prorated contribution based on when
you open your account.
Starting May 6, 2015 through May 20, 2015, you can enroll
and make changes to your benefits effective July 1, 2015.
There are two easy ways to enroll:
Online
n
Visit ibenefitcenter.com/toysrus
n
If you’ve logged on before, use your existing user
health savings account
Password” if you can’t remember your information)
One of the best features of our CDHP medical options is the
name and password (click “Forgot User Name or
n
availability of a Health Savings Account (HSA). Your HSA is a
If you’re new to the site, you will create an account
powerful tool, designed to save you on taxes and to help you
using the last 4 digits of your Social Security number,
pay for your deductible and coinsurance:
your last name, birthdate and zip code
n
By Phone
n
n
You choose how much you want to go into your account on
a pretax basis by contributing through payroll deductions
Call (800) 752-9908
n
When you use money to pay for eligible expenses, your
HSA dollars come out tax free
If it’s your first time calling, your initial user name
is your 7-digit Employee ID and your birthdate
n
(MMDDYYYY) is your initial password.
You can invest your HSA dollars and earn interest, which is
also tax free
n
The Company may make a contribution to your account…
tax free
The Company will make a contribution to your HSA if you
If you’re enrolling any new dependents, you will
need your dependent’s Social Security Number
when you enroll. Be sure to have it handy. In
addition, you will be required to provide proof of
eligibility (birth certificate, marriage license, etc.)
to the “R”Us Benefits Center.
enroll in the Aetna “R”CDHP Gold or Silver medical options.
If you’d like the added value of this Company money, you
will need to open an HSA. To learn more about the HSA, visit
RUsBenefits.com.
2015 HSA annual contributions
It’s now easier to provide proof of eligibility by
uploading your documents to ibenefitcenter.
com/toysrus. Documentation must be received
at the “R”Us Benefits Center by June 19, 2015.
If you fail to provide this information, any new,
unverified dependents will not have coverage for
the new plan year.
“R”CDHP
Gold
2015 IRS
Calendar Year Maximum Contribution
“R”CDHP
Silver
“R”CDHP Kaiser
Bronze CDHP
$3,350 Team Member (TM) Only
$6,650 TM + Family
(TM + Company)
2015 Company HSA Contribution
2015 Wellness Rebate* $500 TM Only $500 TM Only
$750 TM + 1 $750 TM + 1
$1,000 Family $1,000 Family
NoneNone
$250 TM Only
$250 Spouse/Domestic Partner
* More information regarding the 2015 Wellness Rebate will be coming soon!
4
flexible spending accounts –
another way to save
tools & resources
The Company offers a number of tools and resources to
help you take charge of your benefits and health during
Annual Enrollment and throughout the year.
Flexible Spending Accounts (the “FSAs”) let you use
before-tax dollars to pay for eligible expenses. You can
choose to contribute to either or both FSAs each year.
Aetna Health Plan Cost Estimator Tool
(https://www.aetna.com/toysrus) – during Annual
Enrollment, enter some personal stats to get an estimate
of your out-of-pocket costs for each medical plan
Limited-Purpose FSA
Only dental and vision expenses can be reimbursed
through the Limited-Purpose FSA. You can elect to
contribute up to $2,500 per plan year in the LimitedPurpose FSA during Annual Enrollment.
Castlight Health (mycastlight.com/toysrus) – Castlight’s
personalized health care shopping tool puts you in charge
of your spending by providing you with the opportunity to:
Dependent Care FSA
If you pay for child or elder care so that you and your
spouse can work, you may be eligible to pay all or some of
your expenses through the Dependent Care FSA. You can
contribute up to $5,000 per plan year in the Dependent
Care FSA (highly-compensated team members may
be limited by the IRS). The maximum amount you can
contribute will appear during your Annual Enrollment event.
n
Reduce your medical costs by comparing prices for
doctors, facilities, and medical services
n
Find the best care by reviewing comprehensive
patient reviews and doctor information
n
Understand what’s covered by your health plan via
simple, easy-to-understand explanations
n
Review past Aetna medical expenses all in one
place, sorted by type and date of care
Plan carefully when deciding how much to save in
each account; IRS rules require that you must use
all of the money in each account for the 2015-2016
plan year by September 30, 2016 or it’s forfeited.
You must enroll each year to participate in the FSAs –
your election from last year will not carry forward.
Log on to RUsBenefits.com for more information
about FSA rules and restrictions.
n
Get connected with our other benefits programs –
Castlight will connect you to Wiser Health and Aetna
among others.
With Castlight, you’re in control of your health care
spending, ensuring you get the most value for your
money without sacrificing quality. This free resource is
available to team members and their families enrolled in
an Aetna medical plan option.
Need to know costs on the go?
Castlight is now available on your smartphone or
tablet. Just download the Castlight Health mobile
app and you’ll have the information at your
fingertips. Coming soon, Castlight will be integrating
prescription drug information from CVS Caremark.
Watch for more information about how you can
save on prescription drug expenses coming soon.
Health care reform – how it may affect you
Health care reform has created many changes
and requirements for both you and the
Company over the past several years. You can
get full details on health reform changes at
RUsBenefits.com, but here are some highlights:
n
The eligibility requirements for benefits have
changed. This may impact you, especially if
you are an hourly team member and your
average hours worked over the past 12
months makes you eligible for benefits.
n
Wiser Health (toysrus.mywiserhealth.com) – Choose
treatments that work. This easy-to-use online tool helps
you make informed treatment choices for more than 175
health conditions. Recommendations are personalized to
you, based on clinical evidence, personal preference and
treatment popularity.
All Americans are required to have health
care insurance. The options in our plan are
considered affordable and provide minimum
value as defined by health care reform. This
means you will generally not be eligible for a
government subsidy if you decide to waive
Company coverage and enroll in a plan on the
health insurance marketplace. If you do receive
a subsidy while eligible for our plans, you may
be required to pay it back to the government.
Looking for a specific contact phone number
or website?
Get it here:
RUsBenefits.com/Contacts
5
One Geoffrey Way
Wayne, New Jersey 07470-2030
don’t miss out!
annual enrollment
May 6, 2015 – May 20, 2015
First Name Last Name
Address
Address
annual enrollment
important legal notices
available online
May 6, 2015 - May 20, 2015
Visit RUsBenefits.com for important legally-required
Look inside to learn more about:
notices, including:
what’s new for 2015-2016
who needs to take action
what happens if you don’t enroll
useful tools & resources
n
Women’s Health and Cancer Rights
n
Newborns’ and Mothers’ Health Protection Act
n
Prescription Drug Coverage and Medicare
n
COBRA
n
HIPAA
n
CHIPRA
n
Summary Plan Descriptions (SPDs)
n
Summary of Benefits and Coverage (SBC)
This is a brief summary of the benefit plans. If there is any discrepancy
between this information and the official plan documents, the plan
documents will always govern. In all cases, benefits will be paid in
accordance with the plans’ official documents, insurance contracts
and government regulations in effect at the time of occurrence.
The Company reserves the right in its sole discretion to terminate,
modify, discontinue or otherwise change its benefit plans at any time
with or without notice, pursuant to applicable law. You can review
and print the official plan documents at RUsBenefits.com.
6
5/2015