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2. personal finance
3. insurance
4. health insurance

Live Well
Live Well
Benefits
Benefits
Live Well.
Choose Well.
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This Chooser Guide contains valuable information
about the many benefits available to us as Averitt
associates.
This guide, along with one-on-one meetings with a
Colonial LIfe representative, can help you Choose
Well when it comes to the health and wellness plans
available to you and your family.
Annual Benefits Enrollment meetings will be held at
most locations during October to assist you.
Look for more information inside about
our new health benefits partner!
2015
BENEFITS
Benefits selections for 2015
must be made by Oct. 24, 2014
CHOOSER
GUIDE
Our Driving Force Is People • Our Driving Force Is People • Our Driving Force Is People •
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2015
There are changes to this year’s benefits plans
that you should know about:
Research and Evaluation
For several years BlueCross BlueShield of Tennessee has
served as the administrator for our medical plan. Averitt is selfinsured, so that means our administrator processes claims from
doctors and hospitals and uses Averitt dollars to pay for the
medical care received by our associates and their dependents.
New Health Benefits Partner
Our driving force is made up of a special team of associates.
And we believe that team deserves an outstanding benefits
package.
From health coverage to financial planning, we’re constantly
evaluating our benefits to make sure we’re providing a
comprehensive package to help you Live Well.
In our daily lives, most of us shop around at different stores
and even online to compare and find the best value for our
hard-earned dollars. In the same way, we regularly review
and compare benefits providers to ensure our associates are
receiving the very best service at the best price.
And when we discover opportunities to make our benefits
package even better for our associates, we are prepared to
make changes. After all, sometimes change is a good
thing.
T A B L E
O F
After thorough consideration and evaluation, we are excited
to announce that effective January 1, 2015, we
are changing our medical plan administrator from
BlueCross to Cigna!
Making a change was a big decision that involved several
considerations.
First, we wanted someone who could promise personalized
customer service with 24/7 access along with first-rate
technology for our mobile workforce. And because health care
costs continue to rise, we wanted someone who could help us
effectively manage our expenses so we can keep premiums
as reasonable as possible.
Second, it was critical that our associates would have access
to an extensive network of doctors and hospitals so our
associates would experience little or no disruptions in their
coverage if we made a change.
C O N T E N T S
what’s new in 2015 . . . . . . . . . . . . . . . . . . . . . . . . 2-6
how to enroll or make changes. . . . . . . . . . . . . . . . . . 7
eligibility. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
choosing benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
medical & prescription . . . . . . . . . . . . . . . . . . . . . . . 10
dental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
vision. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
life & disability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
supplemental . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
additional benefits . . . . . . . . . . . . . . . . . . . . . . . . . . 15
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We are approaching the end of our current contract with
BlueCross, so we decided to take the opportunity to explore
what several other major quality medical benefits providers
had to offer. We launched an extensive research project
to determine if it made sense to renew our contract with
BlueCross or switch to a different provider.
annual enrollment period: Oct. 1-24
This benefits selection period is the only time you will
be allowed to elect or change your health coverage or
enroll in an FSA for the 2015 plan year unless you have a
qualifying family status change in 2015.
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
Third, we wanted to partner with a company who would
provide a wider array of services. We wanted to
consolidate and make the services currently offered to our
associates more convenient and easier to access.
Most important, we only considered providers with rock-solid
reputations and a proven track record of success over a
long period of time.
Cigna not only met but exceeded our expectations in
all of these areas.
Who Is Cigna?
Cigna is a global health service leader with more than 200
years in the industry. Cigna serves 82 million people in 30
countries across the globe through one million partnering
doctors and hospitals. Their customers include many Fortune
500 companies and several of our transportation peers.
Bottom line, they have the network and the reach our
associates need to access quality care.
Here are a few changes you can look forward to:
Made Easy
Cigna handled more than 160 million medical claims in 2013,
but Cigna’s capabilities go far beyond just claims processing.
One exciting advantage of Cigna is their ability to provide a
wide array of services.
In addition to administering our medical plan, Cigna
will administer our flexible spending accounts,
offer an associate assistance program and provide
pharmaceutical monitoring to help us avoid gaps in
care, including safety monitoring and drug interactions and
duplication. They will replace BlueCross BlueShield,
Conexis, Lifeworks and PharmMD.
Cigna’s broader capabilities enable us to reduce the
number of different providers to make things easier
and more convenient for our associates. Plus, by having
all of these services under one roof, Cigna can provide our
associates with a more integrated, holistic approach to our
health care experience.
Perhaps the most exciting part of selecting Cigna as our new
partner is all the enhanced personal features and benefits they
will provide our associates that we didn’t have before.
BENEFIT
PREVIOUS PROVIDER
NEW PROVIDER
Medical Insurance
Flexible Spending Account (FSA)
Associate Assistance Program
Pharmaceutical Monitoring
Annual Benefits Enrollment is the one time of
year you can make changes to your medical,
dental, vision or FSA coverage, or apply for
Colonial Life personal insurance products.
As we approach this period, we’ve prepared
a special video to give you some simple tips
on how to LIVE WELL and CHOOSE WELL for
your family.
Every associate who completes the video by
October 15 will be entered in a drawing to
win one of two $500 gift cards or one
of 10 $100 gift cards.
To watch the video, go to
InsideAveritt.com/ChooseWell or scan
the QR code to the right.
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
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CONTINUED:
MDLIVE
At a time when rising health care costs are forcing some
companies to cut benefits, we’re proud to announce Cigna
will provide Averitt associates enrolled in the medical plan with
access to an exciting new way to receive health care called
MDLIVE.
When we call, we’ll talk with an advocate about our needs
and concerns. We’ll be matched with the right expert from
the Personal Health Team. We can schedule calls with a
coach at times that are convenient for us, including evenings
and Saturdays. Cigna’s integrated team of nurses, coaches,
nutritionists and counselors can help us:
· Start an exercise program
· Quit smoking or lose weight
· Understand our health risks
· Deal with stress or other challenges
And it’s all confidential. Averitt will not receive any information
about our participation in these programs.
24/7 Customer Service
MDLIVE is a 24/7/365 telemedicine service that works just
like an office visit. Through MDLIVE, you can connect with a
board-certified doctor by secure phone call or online video chat.
MDLIVE doctors can diagnose a non-emergency medical issue
based on your symptoms, write prescriptions if necessary and
send prescriptions to the pharmacy of your choice.
MDLIVE is especially convenient for non-emergency medical
issues:
• When your doctor or pediatrician is not available on your
schedule
• When you are out on the road and need medical care
• When it’s not convenient to leave your home or work
• On nights, weekends and even holidays
PLEASE NOTE that MDLIVE has a lower co-pay than a
regular office visit.
PERSONAL HEALTH TEAM
In addition to MDLIVE, another important part of Cigna’s
comprehensive approach is what they call their Personal Health
Team.
Associates will have access to a dedicated team of health
specialists – nurses, health coaches, dieticians, clinicians and
counselors – who will listen, understand our needs and support
us and our family members in improving our health.
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As we’ve already mentioned, another great benefit of working
with Cigna is they offer an around-the-clock health and
information customer service line. Their team is available
whenever you are.
MyCigna.com and MyCigna Mobile App
Cigna has a first-rate website and mobile app called myCigna.
This personalized, secure site will give us instant access to all
our important health information, so we can better manage our
health and health care expenses. The site makes it easy to find
what we need, when we need it. Want to find a doctor? Track
a claim? View your account balances and deductibles? No
problem. On myCigna.com, we’re never more than a few clicks
away from accessing complete coverage information, claim
activity, network doctors and hospitals, and so much more.
The mobile app also features a convenient electronic
ID card for the entire family.
Together, all of these online features make it easy to stay on top
of our health. It’s all about helping you stay organized and in
control of your health care and health care expenses.
PLEASE NOTE the myCigna.com website and mobile
app will be available January 1, 2015.
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
Easy Decision
Now that you see all of the benefits of working with Cigna, we
hope you see why making the transition to Cigna was an easy
decision.
Additional services. Better access. Enhanced convenience and
personalized care. All made easy under one roof with a trusted
leader in global health care.
FREQUENTLY ASKED QUESTIONS
With a transition like this, there are going to be lots of questions.
Let’s explore some questions we expect many associates will
have.
Will I be able to keep my current doctor? With Cigna’s strong
network of more than 667,000 doctors, chances are very strong
your doctor is one of them. Cigna’s network is very comparable
to BlueCross’ network. In fact, our research indicates that 99%
of the claims our associates filed last year with BlueCross were
filed with doctors who are part of Cigna’s network.
How can I find out if my doctor is in Cigna’s network? You
can find out if your doctor is in Cigna’s network by visiting
cigna.com and selecting “Find a Doctor.” Under “Select a Plan,”
you should choose the “Open Access Plus (OAP)” Medical Plan.
Will this affect my prescription drug coverage? No, we will
continue to partner with Express Scripts in 2015.
Will this affect my dental and vision coverage? No. We will
continue to partner with Delta Dental for dental insurance and
VSP for vision insurance.
How will this change impact my premiums? With health care
costs rising every year, we can expect to see modest increases
in our premiums. This would also have been the case had we
stayed with BlueCross. The biggest impact to premiums will
be for those associates who did not participate in the health
screening and do not receive the wellness incentive for next
year.
Will I get a new medical ID card? You will receive a Cigna
medical card at the end of December that will be valid beginning
January 1. You will also have access to an electronic ID card for
the entire family through the mobile app. Associates and their
covered family members should remember to dispose of their
old BlueCross ID cards January 1, 2015 and discontinue using
them. Members should remember to notify their health care
providers about their new Cigna coverage and Cigna ID card the
first time they receive health care services after January 1, 2015.
All Averitt members should be sure to hang on to their Express
Scripts cards…those will still be good in 2015.
How will this change impact my relationship with Lifeworks?
Cigna will replace Lifeworks with a comprehensive associate
assistance program that will be available 24/7 for associates and
their family members.
How will this change impact my flexible spending health and
dependent care savings accounts and/or my relationship
with CONEXIS? Cigna will replace Conexis as our FSA
provider. As before you will need to enroll or re-enroll in the
FSA and will receive a new health care FSA card from Cigna at
the end of December. PLEASE NOTE: FSA balances remaining
at the end of 2014 (up to $500) will roll over to Cigna in 2015.
How can I ask questions about Cigna coverage? After
Monday, September 22, you can call the Cigna Pre-Enrollment
Information line toll-free: 800-564-7642, 24 hours a day, 7 days
a week. (*Please note this phone number is specifically for
questions about Cigna coverage. This is not the phone number
to be used for the Annual Benefits Enrollment process. That
number is 1-866-944-7211.)
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
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CONTINUED:
Made Easy – Medical Plan
Not only are we making this year’s enrollment process easier by
reducing the number of different providers we work with, we have also
made the enrollment process easier in other ways.
First of all, we’re streamlining the number of plans available under our
medical coverage.
In years past, the vast majority of our associates have chosen to enroll
in our basic medical plan, which offered robust coverage at a great
value. Very few associates chose the standard or maximum plans. So
this year there will simply be one comprehensive medical
plan for everyone, including new hires. All associates who choose
to participate in our medical coverage will automatically be enrolled in
this plan.
And this plan offers a new feature. In 2015 office visit and prescription
co-pays will now accumulate toward the out-of-pocket maximum,
providing additional financial protection for associates and their
families.
As always, the best way to control costs is by taking an active role
in our wellness. That begins by participating in our annual health
screenings.
We will still be able to choose from four coverage tiers with our
medical plan. Those include associate only, associate plus spouse,
associate plus children and associate plus family.
Even though there will only be one medical plan, with our new wellness
incentive for participation in health screenings this year, there will still
be two levels of premiums. Associates who receive the wellness
incentive for health screening participation, which we’re happy to
report was nearly 80% of our associates, will pay a lower premium
than associates who did not participate in a health screening.
Made Easy – Dental and Vision Plans
In addition to simplifying our medical plans, we are also streamlining
the number of plans available under our dental and vision coverage.
Unlike the medical coverage, for dental and vision coverage the
majority of our associates have chosen our standard or maximum
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plans in years past. Very few associates have chosen the basic plan.
So this year, we are moving from three plans to two plans,
and only the standard and maximum plans will be available
to all associates, including new hires.
If you were previously enrolled in the basic dental or vision plan and
you don’t make a change during the enrollment process, you will
automatically be enrolled in the standard plan.
As with the medical plan, we will still be able to choose from four
coverage tiers with our dental and vision plans.
Reminders
As you consider your choices for next year, a few important
items to note:
Knowing your options isn’t enough to choose well. There are other
factors you need to consider when selecting your health plan. Factors
such as whether or not your spouse has coverage through his or her
employer, or eligibility for Medicare. Evaluate and compare additional
coverage when deciding how to best meet your needs.
Also, make sure your dependent and beneficiary information is up-to
-date.
In addition to our health care plans, you may also want to consider
participating in a Flexible Spending Account, or FSA, which helps you
stretch your income by reducing your costs and paying less in taxes.
We offer two types of FSA: a Health Care FSA, which can be used
for expenses like deductibles and co-pays, and a Dependent Care
FSA, which can be used for child care or elder care expenses. Both
are exempt from most taxes. Depending on your income tax bracket,
participation in an FSA may allow you to save up to 25 percent a year.
Remember, you must enroll and make new FSA elections each
year in order to participate.
Choose Well for Your Future
While an active role in your everyday well-being is a major part of
choosing well, so is taking an active role in planning for your future.
After all, we never know what’s around the corner in life, and it’s best
to be prepared.
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
That’s why Averitt provides Short-Term Disability protection at
no cost to you. This protection is not insurance but is a compensation
continuation plan that provides income for up to 26 weeks when you are
unable to work due to serious health issues.
You can also purchase Long-Term Disability coverage, which
protects your income and security if you become disabled beyond 26
weeks. And keep in mind that if you apply for Long-Term Disability this
year, you’re guaranteed to be accepted – without exams or evidence of
insurability.
Averitt also provides associates with Basic Life and Accidental
Death and Dismemberment insurance. Depending on your
family’s needs, you may choose to obtain additional coverage by
enrolling in supplemental Life and AD&D insurance or Universal Life
insurance, which help provide future security and protect your family’s
way of life when they would need it most.
Remember that you may have the opportunity to elect an increase in
your supplemental Life and Accidental Death and Dismemberment
insurance without answering medical questions during the annual
enrollment period. Be sure to take advantage of that. Also, if you elect
to enroll in a Universal Life individual policy, you’ll never experience a
decrease in benefits or increase in premiums even if you change jobs or
retire.
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HoEnroll
OR MAKE
CHANGES
Enrollment Options
As always, you will have three simple ways to enroll or make
changes.
First is in person. Benefits meetings will be held at most
facilities, where Colonial Life representatives will be onsite to assist you in evaluating your needs and guiding you
through the process.
Your second option is by phone. Simply call 866-9447211. A Colonial Life representative will be available to
assist you if you need it. Call Center Days and Hours:
Monday – Friday; 8:00 am - 5:00 pm Central
Third, you can also enroll or make changes online.
Just visit InsideAveritt.com/ChooseWell for your one-stop
web portal. This page will include a link to the enrollment
site, as well as an electronic copy of the chooser guide and
links to a calendar of where benefits meetings will be held.
For protection against even more of life’s unexpected events, you can
also get insurance in the event of an accident, critical illness or cancer.
These plans can pay you directly to help with all kinds of costs, from
deductibles to everyday living expenses.
Don’t forget, the annual enrollment period is the only time during the
year when these outstanding supplemental insurance products are
available for purchase.
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
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Eligible Dependents*
If you elect coverage for yourself, you can also cover your spouse
and eligible dependent children.
Your spouse must be legally married to you and of the opposite
sex.
You can cover any eligible dependent child up to age 26.
This includes:
• Natural children
• Adopted children
• Any child who lives with you and for whom you are the legal
guardian
• Stepchildren
• Children who do not reside with you, but for whom you’re
required to provide medical coverage under a Qualified Medical
Child Support Order (for example, your children who reside with
your ex-spouse)
• Any child permanently disabled before age 26 who will continue
to be disabled and dependent on you for financial support
Proof of Eligibility
Proof of eligibility is required.
Spouse: 1040A page 1 of your current Federal Income
Tax return, or if married 1/1/14 or after, a copy of the
marriage certificate
Dependent child age 0-17: birth certificate (or
1040A page 1 if you claim your dependent as a “tax”
dependent), court order or child support order
Dependent child age 18-26: birth certificate (or 1040A
page 1 if you claim your dependent as a “tax”
dependent)
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If you have any questions about whether your dependents
meet the eligibility requirements, call Benefits Administration at
1-800-233-9944, option 3. * See Summary Plan Description (SPD) for further
details.
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
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C Benefits
Follow these steps to make sure you get
the coverage you need for 2015:
1. Determine your benefits coverage level.
For the dental and vision plans, you have two plans to
choose from (for active associates only). You can mix and
match the plans to meet your individual needs. (For example,
you may choose the Standard Vision Plan and the Maximum
Dental Plan.)
2. Pick the right family status tier.
Your health care premiums depend on which coverage level
you choose. We offer four coverage tiers:
• Associate only
• Associate + Spouse
• Associate + Child(ren)*
• Associate + Family
3. Compare your coverage with your spouse’s.
If your spouse has coverage available elsewhere, consider
which coverage best meets your needs. Most health plans
have a coordination of benefits provision, which means that
double coverage rarely results in double benefits.
4. Prepare for the unexpected.
Most financial experts agree that you should have additional
sources of income of at least five times your annual earnings
to protect your family. Our supplemental life and accident
insurance can help provide that financial cushion.
5. Keep your information up-to-date.
Review your dependent and beneficiary information on file
and make any necessary changes. If something should
happen to you, your protection benefits will be paid to the
latest beneficiary on file. Please note if you want to add a
dependent to your insurance, you will be required to provide
verification, and you will have to enroll over the phone.
6. Consider Flexible Spending Accounts (FSA).
You may elect to participate in one or both of our Flexible
Spending Accounts (FSAs) – a Health Care Spending
Account or a Dependent Care Spending Account. There is no
requirement that you or your dependents be insured through
group insurance plans at Averitt in order to establish either
type of FSA.
An FSA can help you stretch your income by reducing
your costs and paying less in taxes by allowing you to use
pretax dollars to pay for health care and/or dependent care
expenses. If you elect to participate, dollars will be deducted
from your paycheck in the amount you determine and will be
put into a special account that is protected from taxes.
A Health Care FSA can be used for eligible health care
expenses including health care plan deductibles, copayments (including prescription co-payments) and other
expenses that are incurred by you, your spouse and
dependents that are not covered by your health plan.
A Dependent Care FSA can help you pay for dependent
care services that make it possible for you and your spouse
(if applicable) to work. Under certain circumstances it also
may be used to help pay for the care of elderly parents or a
disabled spouse or dependent. To be eligible, you and your
spouse (if applicable) must be at work during the time your
eligible dependent receives care.
Both types of FSAs are exempt from federal taxes, Social
Security (FICA) taxes and, in most cases, state income taxes.
Depending on your income tax bracket, you may save up to
25% or more in taxes each year you participate.
In order to begin participating in either one or both of the
new FSAs, you must enroll during this year’s enrollment
period by meeting with a benefits counselor at your location
or by electing to participate as part of your new hire benefits
elections. REMEMBER: You must enroll and make new
FSA elections EACH year in order to participate.
* Includes children who don’t reside with you but for whom you are required to provide
medical coverage under a Qualified Medical Child Support Order (e.g., your children
who reside with your ex-spouse).
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
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M rescription
P
medical
benefits*
MEDICAL PLAN
In-Network
Out-of-Network
Unlimited
Lifetime Maximum
Retail: 30-day supply
$30 co-pay
MDLIVE
Office Visit**
Primary Care (PCPs)
$40 co-pay
Specialist
$50 co-pay
Plan pays 60%
after deductible
$1,250/individual
$2,500/family
$2,500/individual
$5,000/family
Most other services
(co-insurance)
80%
60%
Annual Out-ofPocket Maximum
(includes deductible
and co-pays for
Medical/RX)
$3,750/individual
$7,500/family
$7,500/individual
$15,000/family
Plan pays 100%
Plan pays 60%
after deductible
Plan pays
100%
Plan pays 60%
after deductible
Calendar Year
Deductible
Well Care***
Birth to 6 years
After 6 years
(Physical exams and related
wellness services)
prescription benefits
administered by
In-Network
Generic
$15 co-pay
Preferred Brand
$38 co-pay
Non-Preferred Brand
$78 co-pay
Mail Order: 90-day supply
Generic
$30 co-pay
Preferred Brand
$81 co-pay
Non-Preferred Brand
$170 co-pay
Diabetic Supplies
Retail Preferred
$15 co-pay
Retail Non-Preferred
$70 co-pay
Mail Order Preferred
$30 co-pay
Mail Order Non-Pref.
$140 co-pay
Out-of-Network
N/A
N/A
N/A
Your Weekly
Payroll Deduction
With Wellness
Incentive
Without Wellness
Incentive
Associate Coverage
$10.25
$21.25
Associate + Spouse
$25.90
$36.90
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Emergency Room
$250 co-pay
Associate + Child(ren)
$25.70
$36.70
Urgent Care
$50 co-pay
Associate + Family
$28.90
$39.90
*See Summary Plan Description (SPD) for further details.
**Office visit co-pay and ER co-pay do not apply to outpatient surgical procedures and nonroutine diagnostic services performed in a physician’s office or hospital.
***Plan pays 100% for mammogram, prostate screening, colorectal screening and flu shot (if services are in-network).
The Cigna Employee Assistance Program (EAP) will provide associates and household members up to three visits per issue per year by an in-network behavioral
health care professional.
In-Network refers to services received within the Open Access Plus (OAP) Network.
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To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
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D
Regular dental visits certainly play a role in helping
you and your family Live Well. Good dental care
helps prevent or treat periodontal disease – a
primary cause of tooth loss in people of all ages,
according to the U.S. Department of Health and
Human Services.
We offer two dental plans administered by Delta
Dental: the Standard Plan and the Maximum Plan.
The plans differ in the type of care covered and
what you pay for services. You may see any dentist,
but when you use a Delta Dental provider, you’ll
save money and you won’t have to file any claims.
Associates who do not make an election but
are currently in the Basic plan will default
into the Standard plan for 2015.
dental benefits administered
STANDARD PLAN
MAXIMUM PLAN
None
None
Plan pays 100%*
Plan pays 100%*
Basic Services
Oral surgery, anesthesia, fillings, extractions,
endodontia and periodontia
Plan pays 50%
Plan pays 80%
Major Services & Orthodontia**
Crowns, cast restorations, fixed bridgework, dentures
and orthodontia (to age 19)
Plan pays 50%
Plan pays 50%
Annual Benefit Maximum
$1,500
$2,000
Orthodontia Lifetime Maximum
$1,500
$2,000
Associate Coverage
$2.80
$4.40
Associate + Spouse Coverage
$5.95
$9.75
Associate + Child(ren) Coverage
$6.25
$10.25
Associate + Family Coverage
$7.75
$11.75
Calendar-Year Deductible
Diagnostic & Preventive Services
Oral exams and routine cleaning (2 per year), X-rays
(one bitewing per year, one full mouth every 3 years)
and fluoride treatments (to age 19)
Your Weekly Payroll Deduction
*See Summary Plan Description (SPD) for further details.
** New enrollees will be subject to a 12-month waiting period for Major Services and Orthodontia beginning in 2015.
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
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vision benefits
administered by
Like any other health factor, your vision requires regular
care. Our Vision Plan helps you and your family Live Well by
keeping you seeing clearly.
We offer two vision plans administered by VSP: the
Standard Plan and the Maximum Plan. The plans differ in
the type of care covered and what you pay for services. You
may see any provider. When you use a VSP Open Access
provider, you’ll save money and you won’t have to file any
claims.
Both vision plans cover 100% for an annual eye exam.
The Standard Plan provides additional benefits for eyeglass
lenses and contacts. The Maximum Plan provides benefits
for frames.
Associates who do not make an election but are
currently in the Basic plan will default into the
Standard plan for 2015.
vision benefits*
STANDARD PLAN
MAXIMUM PLAN
Calendar Year Deductible
None
None
100% covered
100% covered
Eyeglass Lenses**
(Antireflective coatings are covered; certain cosmetic
options may not be covered; one pair every 12
months)
$25 co-pay
$15 co-pay
Contact Lenses – Necessary
$25 co-pay
$15 co-pay
$120 annual allowance****
$150 annual allowance****
No coverage
$15 co-pay
Associate Coverage
$1.75
$2.55
Associate + Spouse Coverage
$1.95
$4.40
Associate + Child(ren) Coverage
$2.00
$4.50
Associate + Family Coverage
$2.85
$5.55
Eye Exam (One exam every 12 months)
Contact Lenses – Elective***
(Provided in place of eyeglass lenses and/or
frame benefits)
Frames (One pair every 24 months)
Your Weekly Payroll Deduction
*See Summary Plan Description (SPD) for further details.
**Progressive lenses only covered under Maximum Plan.
***If you are enrolled in the Maximum Plan, you may obtain contact lenses every 12 months or frames every 24 months, but not both in the same year.
****Also applies to fitting and evaluation fees for contact lenses.
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To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
Accidents and illnesses can happen that may keep you out of work. Averitt helps
you Live Well by helping protect your income and security with our short-term
disability coverage – available at no cost to you after one year of service. This
benefit ensures that you continue to receive a portion of your income for up to 26
weeks in the event of a disability. There is a one-year waiting period before
you are eligible for this coverage.
Averitt-provided life and ad&d
To help protect your family, we offer company-provided Basic Life and AD&D
insurance for you and Dependent Life insurance for your spouse and children.
There is a 90-day waiting period before you are eligible for this coverage.
For added financial protection, you can also purchase Supplemental Life,
AD&D and Long-Term Disability insurance for yourself and your family.
Averitt-provided short-term disability
Benefits Begin
Year 1 – $10,000
Associate Basic Life
Insurance
&
e
f
Li isability
D
On 15th day of disability
Year 2 – $15,000
Year 1 – no benefit
Year 3 – $20,000
Year 2 – 40%
Plan Pays a
Percentage of Your
Weekly Earnings
Year 4 – $25,000
Year 5 – $30,000
Year 3 – 45%
Year 4 – 50%
Year 6+ – $40,000
Associate Basic AD&D
Insurance
Dependent Life
Insurance
Year 5 – 55%
Year 6 (and beyond) - 60%
Up to $40,000
Benefits Continue
$2,000 for spouse
$1,000 per child (age 15 days to 26 years)
*See Summary Plan Description (SPD) for further details.
Up to 26 weeks
*See Summary Plan Description (SPD) for further details.
supplemental life and ad&d and supplemental
long-term disability benefits offered by
supplemental life and ad&d
Associate Supplemental Life**
PLEASE NOTE:
$10,000 to $750,000 or 5x annual earnings
$5,000 to $100,000 for spouse
(cannot exceed associate’s amount)
Dependent Supplemental Life**
$2,000 to $10,000 per child (age 6 months to 26 years)
$1,000 per child (age 14 days to 6 months)
Associate Supplemental AD&D
Amount equal to Supplemental Life coverage
Dependent Supplemental AD&D
Amount equal to Dependent Supplemental Life coverage
Tobacco usage distinct
rates apply. You MUST
elect non-tobacco status
if you do not use tobacco
in order to receive nontobacco rates.
*See Summary Plan Description (SPD) for further details.
**IMPORTANT – During the benefits selection period, associates and their spouses may increase coverage ($30,000 for associates, $10,000 for spouses and
$20,000 for associates who are first-time enrollees outside their initial eligibility period) without providing evidence of insurability. Increases greater than
these amounts or greater than the overall guarantee issue amount ($200,000 for associates and $50,000 for spouses) will be subject to evidence of insurability.
See Summary Plan Description (SPD) for further details.
supplemental long-term disability
Benefits Begin
After 26 weeks of disability
Plan Pays
Up to 60% of your base pay (to a maximum of $5,000 per month)
Benefits Continue
Up to age 65 (or your Social Security normal retirement age) as long as you remain totally disabled
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
13
other supplemental benefits
offered by
Everyone’s needs are different. For added
protection to help you and your family Live Well,
you may also apply for a number of additional
supplemental insurance products. We offer
personal insurance plans through Colonial Life &
Accident Insurance Company such as universal
life insurance, accident insurance, cancer
insurance and critical illness insurance.
TYPE OF INSURANCE
DESCRIPTION
AVAILABLE TO:
Universal Life Insurance
Helps fulfill financial obligations in the event of premature death.
Associate, spouse and children
Accident Insurance
Provides benefits for injuries resulting from covered accidents. Benefits
for fractures, burns, lacerations, doctor’s office or emergency room visits,
ambulance charges, X-rays and physical therapy.
Associate, spouse and children
Cancer Insurance
Medical benefits for screening, diagnosis and treatment of cancer.
Associate, spouse and children
Critical Illness Insurance
Pays a lump sum after diagnosis of a covered critical illness such
as cancer, heart attack (myocardial infarction), stroke, major organ
transplant, end-stage renal failure, coronary artery bypass surgery and
carcinoma in situ. Provides an annual health screening benefit for covered
tests. Cancer benefit is optional at an additional cost.
Associate and spouse
NOTE: Policies have limitations and exclusions that may affect benefits payable. Ask your Colonial Life representative for complete details.
Annual Benefits Enrollment is the one time of
year you can make changes to your medical,
dental, vision or FSA coverage or apply for
Colonial Life personal insurance products.
As we approach this period, we’ve prepared
a special video to give you some simple tips
on how to LIVE WELL and CHOOSE WELL for
your family.
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Every associate who completes the video by
October 15 will be entered in a drawing to
win one of two $500 gift cards or one
of 10 $100 gift cards.
To watch the video, go to
InsideAveritt.com/ChooseWell or scan
the QR code to the right.
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
l
a
n
o
s
i
t
t
i
i
f
d
Ad Bene
*
See
InsideAveritt.com
for more details
DESCRIPTION
BENEFIT
Profit Sharing and 401(k) Plan
When you begin your career at Averitt, we start planning for your future by setting up a 401(k)
retirement account for you. There are two ways that account grows: the funds you elect to contribute
and through our Profit Sharing plan. Each month, 20% of our profits is set aside for Profit Sharing
contributions and shared based on compensation. You can also make your own contributions to your
401(k), from as little as 1% to as much as 75% of your pay* on a pretax basis through weekly payroll
deductions. You are eligible to participate 90 days after your date of hire as long as you’re age 21 or
older. Administered by Wells Fargo®.
Paid Time Off
8 paid holidays after 90 days.
Vacation = 1 week after 1 year of service, 2 weeks after 3 years, 3 weeks during 11th year and on.
Averitt Cares for Kids
Nonprofit, charitable organization funded entirely by associate contributions given through the ease of
payroll deduction.
Service Awards
Special recognition when you reach five-year milestones.
Safety Awards
Recognition for safe driving.
Wells Fargo® Benefits
Banking Program
Customized financial solutions for Averitt associates, including checking, loans, financial education,
401(k) and other financial services. Learn more at InsideAveritt.com/banking.
Wellness Benefits
(Healthways)
Pathway to Well-Being
• STEP 1 – Health Screening: Attend a screening to discover your current health numbers and how
they affect your well-being. You’ll learn your current cholesterol, triglycerides, blood glucose, blood
pressure and BMI.
• STEP 2 – Health Survey: Receive online access to your personal well-being plan, well-being
challenges, recipes and more resources to work toward your goals for better well-being.
• STEP 3 – Health Coaching: Manage health conditions better and/or improve your lifestyle habits
with encouraging support from experts in phone-based coaching sessions.
Other Wellness Benefits
• Care Support: Personalized support to help lower your risks, manage a condition, and change
behaviors.
• QuitNet® tobacco cessation: Quit smoking/tobacco with the help of a coach, nicotinereplacement therapy and a supportive community online at www.quitnet.com/averittexpress.
People Like You
Receive cash rewards when you refer People Like You and they are hired as associates.
Uniform Program
Professional uniform program from Cintas that includes an annual uniform credit for full- and part-time
drivers and full-time dock associates.
Profit Protection Program
Rewards up to $5,000 to non-leadership associates for information leading to resolution of theft or
misuse of company or customer property.
Associate Discounts
Special discounts offered to Averitt associates from various local and national businesses. Also includes
special offers on company cars available for resale.
*Up to IRS limits.
To enroll or make changes, call 866-944-7211 or visit InsideAveritt.com/ChooseWell
15
r
e
s
o
o
h
C Gu ide
NOTICES
Intended as overview:
This brochure is intended only to be an overview of the Averitt Express benefits plans. The complete
details about the plans and how they work are included in the Summary Plan Descriptions (SPDs) and plan
documents, which are available upon request. SPDs are also available online at www.insideaveritt.com.
If there are any inconsistencies between this brochure and the plan documents, the plan documents will
govern. Averitt Express is committed to providing competitive benefits programs to its associates. At the
same time, we must manage our business carefully and be in a position to change the way we operate,
including our benefits plans, when we determine necessary. Therefore, Averitt retains the right to amend,
change or end one or more of the benefits plans at any time.
Annual Benefits Enrollment
is the one time of year you
can make changes to your
medical, dental, vision or FSA
coverage or apply for Colonial
Life personal insurance
products. As we approach
this period, we’ve prepared a
special video to give you some
simple tips on how to LIVE
WELL and CHOOSE WELL for
your family. Every associate
who completes the video by
October 15 will be entered in a
drawing to win one of two $500
gift cards or one of 10 $100 gift
cards.
To watch the video, go to
InsideAveritt.com/ChooseWell or
scan the QR code to the right.
1415 Neal Street, P.O. Box 3166, Cookeville, TN 38502-3166
InsideAveritt.com