1. health and fitness

2015
New Hire
Enrollment
Guide
Optional headline
can go here across
a few lines.
What’s Inside
What You Need to Know . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
Medical and Prescription Drug Coverage . . . . . . . . . . . . . . . 4
Health Care Reform and the Individual Mandate . . . . . . . . . 8
Eligibility: Who You Can Cover on Your Cargill Benefits . . . 8
Cool Tools . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
More Benefit Choices
Dental Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Vision Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Flexible Spending Accounts (FSAs) . . . . . . . . . . . . . . . 13
Life Insurance and Disability Coverage . . . . . . . . . . . . 13
Retirement Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
2015 Wellness Incentives . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
How to Enroll . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Vendor Contact Information . . . . . . . . . . . . . . . . . . . . . . . . . 21
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
Monday through Friday, 7 a.m. – 8 p.m. CST
Saturday, 8 a.m. – 1 p.m. CST
2 | 2015 New Hire Enrollment Guide
HR Direct Dial
1-877-366-9696 for English and Spanish
Monday through Friday, 8 a.m. – 5 p.m. CST
What you need to know
Cargill values the contributions you make to help the company achieve its business
goals. As part of the total compensation package Cargill offers you, the company has a
comprehensive benefits program that allows you to choose the benefits that best fit your
needs. We also care about the health of you and your family. Therefore, we have created
programs to support you in understanding and improving your health.
Benefits Information Resources
You have numerous resources and tools available to help you learn about and manage your benefits. These include:
Cargill’s New Hire information website, cargill.com/mybenefits
• Get information about your benefits program;
• Read tips on how to choose a medical plan; and
• Find out how the medical plans differ.
Patient Care Health Care Advocacy Service, 1-877-344-7474
• Discuss benefit options and how the plans work;
• Obtain help with the claim payment process and assistance with resolving any issues that may exist; and
• Compare the cost and quality of physicians and facilities for health care procedures and tests.
Blue Cross and Blue Shield’s website, bluecrossmn.com/cargill
• Locate network providers;
• Review preventive care guidelines and wellness resources; and
• Access tools to help you get the best care at the best price including Ways to Save Alerts, Cost Look-Up Tool,
Savings Dashboard and Healthcare University.
Cargill’s My Well Being website, mywellbeing.cargill.com
• Review the steps to earn wellness incentives;
• Learn about programs on managing your weight, quitting smoking, etc.;
• Get reimbursed for completing weight loss and tobacco cessation programs;
• Read health newsletters and tips; and
• Much more!
RedBrick Health, redbrickhealth.com/login, 1-866-322-1719
• Learn about and participate in wellness incentives; and
• Access Health Assessment, healthy activities, track your wellness points, and more.
2015 New Hire Enrollment Guide | 3
How the medical plans work
All Cargill medical plans include preventive care covered at 100% by the company 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 table 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.
4 | 2015 New Hire Enrollment Guide
Comparing 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.
HRA Plan
HSA Plan
Primary Plan
Monthly contributions
Highest
Medium
Lowest
Deductible
Lowest
Medium
Highest
Network coverage
In- and out-of-network coverage
available
In- and out-of-network coverage
available
In-network coverage ONLY*
Account
Cargill funds an account you can use
to pay for eligible medical expenses
(including meeting your deductible)
Cargill funds an account you can use
to pay for eligible health care expenses
(medical, prescription drugs, dental
and vision); you can make pre-tax
contributions to the account as well
N/A
Carry forward
You can carry the balance forward every
year you’re enrolled in the plan; if you
leave Cargill or do not enroll in Cargill
HRA coverage, you forfeit any remaining
amount in your account
Your account carries forward every year
and you keep the account regardless
of whether you leave Cargill or enroll in
other Cargill coverage
N/A
* Except for emergency services.
Is an HSA your path to a more secure
retirement? Did you know an HSA can
help you reach your retirement savings
goals? Sure, you can use it now to pay
for eligible health care expenses tax free,
but you can also save your contributions
(including Cargill contributions) and roll
them over from year to year until you
accumulate a significant balance to use
for medical expenses in retirement. And
remember, you take your HSA with you if
you leave Cargill.
Not only does money go into your
account tax free, but you never pay taxes
on it or the earnings, as long as you use it
for IRS-eligible medical expenses.
2015 New Hire Enrollment Guide | 5
Here’s a closer look at how your 2015 medical plan options compare:
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
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)
*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.
6 | 2015 New Hire Enrollment Guide
What You Need To Know About the HSA
If you enroll in the HSA Plan, you will be asked to agree to the terms of the HSA before an account can be opened in your
name. When you enroll on HR Direct, you will be prompted to accept the terms, and if you do, your HSA will be opened automatically.
If you do not agree to open your account within a timely manner, you will forfeit all contributions to the account from Cargill. Here’s a quick
list of things you should know before enrolling:
• Cargill contributes money to your account on a prorated, per-pay-period basis. For example, an employee enrolled in employee-only
coverage with semi-monthly pay periods will have $31.25 contributed to the HSA each pay period he or she is enrolled in the plan
($750 if enrolled 24 pay periods). • The IRS limits the amount that can be contributed to an HSA each year. The IRS limits for 2015 are: $3,350 for employee-only,
and $6,650 for employee + spouse, employee + child(ren) and employee plus family. Both your contributions and Cargill contributions
count toward the IRS limit. • If you cover a domestic partner (DP) and/or DP children, you will receive the “Employee only” contribution amount from
Cargill and be able to contribute up to the “Employee only” amount to the Health Savings Account. This is because, in
accordance with federal law, DPs are not eligible to use the funds from the HSA. This does not apply if you are covering your own
children in addition to a DP and/or the DP’s children.
• If you are age 55 or older, you can make an additional “catch-up contribution” of up to $1,000 beyond the annual limit.
• You may use your HSA funds to pay for qualified health-care expenses for you, your spouse and any dependents you claim on your
federal tax return. Go online to cargill.com/mybenefits to view a list of eligible expenses. Note: Unless your covered dependent also
meets the IRS definition of a “qualifying child” or “qualifying relative” (i.e., lives with you for more than half the year and provides less than
half of his/her own support), funds from your HSA used for his/her eligible medical expenses may be subject to regular income tax plus a
20% penalty tax.
• Once your account balance reaches $1,500, you can choose to invest the money in your account in the investment funds offered
through the account.
Note: While non-tax dependents are eligible to be covered under the HSA Plan, you cannot cover medical expenses from the HSA for dependents you do
not claim on your taxes, including non-tax DPs and non-tax dependents age 19-26.
ConnectYourCare App Enrolled in the HSA Plan, the health care spending account (HCSA)
or the dependent care spending account (DCSA)? Check your accounts wherever you are!
ConnectYourCare, account administrator for all of the above, has designed a secure,
interactive mobile application for iPhones and Androids called “CYC Mobile.”
Use it to view account information, call customer service or take a photo of your receipt
with your mobile device and upload it directly to the system. Simply download the free
application from the iPhone App Store or the Android Market, and you will have the
following features at your fingertips:
• View account balance, account alerts and transaction history.
• View all claims, your claims that require action and claims details.
• Submit a new claim.
2015 New Hire Enrollment Guide | 7
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 dependent, you will be asked to provide documentation to
support the eligibility of that dependent through the Mercer verification process. For more
information, including detailed definitions and exceptions, visit cargill.com/mybenefits.
example, early detection of cancer can
literally save your life.
Typical preventive care includes an office
visit, basic biometrics (height, weight,
Special note for HSA plan participants with dependents
blood pressure, blood test) that provide
a snapshot of your overall health and
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.
appropriate cancer screenings. Even if
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.
8 | 2015 New Hire Enrollment Guide
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.
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, in accordance with IRS regulations). See
cargill.com/mybenefits for more information.
Questions? Call Patient Care at 1-877-344-7474
(Spanish: 1-800-381-5834).
2015 New Hire Enrollment Guide | 9
Cool tools
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?
Cost Look-Up is here today!
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 budget.
Ways to Save Alerts
Savings Dashboard
Ever wish you had a savvy friend who understood the ins and outs
When it comes to your health, it pays to be in the driver’s seat.
of health care and could help you get the
Your personalized Savings Dashboard gets you there. Sort of like
best deals? Now you have one – right in
“driver’s education” for your medical plan, this tool analyzes how
your pocket. As a Cargill BCBS medical plan
you use your benefits and provides personalized suggestions to
member, you can sign up to receive a text or
help steer you toward savings.
email when there is a chance for you to save
You’ll see the real cost
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:
• 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 or
call Patient Care at 1-877-344-7474 and they can help you sign
up. Messages will start arriving when you have an opportunity
to save.
10 | 2015 New Hire Enrollment Guide
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 integrates your Ways to Save Alerts. Sign in to
bluecrossmn.com/cargill to get behind the wheel and start saving.
Teladoc® brings the doctor to you!
Who wants to drive to an appointment
when you’re not feeling well, and then sit
in the waiting room with other sick people while you wait your turn?
Teladoc is an easy, convenient and affordable alternative to an
office, urgent care or emergency room (ER) visit. You can talk to
a board-certified, licensed doctor by phone or online video chat
(where available*), any time, day or night, to get help for yourself
or your covered dependents. Simply call or log in to request a
consultation, and you’ll get connected with a physician who is
licensed in your state. They can diagnose and even prescribe
medication for non-emergency issues like:
• Ear/sinus infections
Healthcare University
Watch videos and play
games to learn more
about your health
care benefits and earn wellness incentive points. Healthcare
University offers videos, quizzes and games you can play any time,
•Bronchitis
•Allergies
• Colds and flu
• Urinary tract infection
• Respiratory infection
• Strep throat
• And more
anywhere, even on your mobile phone or tablet. This free feature
With your permission, Teladoc can share your consultation record
makes it easier than ever to learn how to get the most value from
with your primary doctor.
your medical benefits. School is in session – go to bluecrossmn.
Teladoc is available to Cargill Blue Cross and Blue Shield
com/cargill to get started. Healthcare University is available in
(BCBS) salaried medical plan participants. The service costs
addition to the tools available through RedBrick Health.
$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 from Teladoc.
*Teladoc is not available in Idaho, and Teladoc’s video consultations are not
available in Iowa, Louisiana, Missouri, Ohio and Texas.
2015 New Hire Enrollment Guide | 11
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
provider near you, visit vsp.com/go/cargill and click on “Find a VSP
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
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
12 | 2015 New Hire Enrollment Guide
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
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
Company and includes:
• Employee: additional life insurance equal to one to five times
up to $2,500 to your account and can use the money to reimburse
your salary. In the future, you can only enroll or increase your
yourself for eligible medical expenses not covered by your medical,
coverage during a life event or by one times your salary during
dental or vision plans for yourself, your spouse or anyone who
open enrollment.
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. In the future,
you can only enroll or increase your coverage during a life event
or by $25,000 during Open Enrollment.
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
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
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.
cargill.com/mybenefits.
*Note: You also cannot cover medical expenses for DPs under the health
care spending account.
Dependent Child Additional Life is $.08/$1,000 of coverage (regardless of
the number of children covered).
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.
2015 New Hire Enrollment Guide | 13
Accidental Death & Disability (AD&D)
Salary Continuation
If you or your spouse were disabled or killed in an accident,
Salary continuation is for qualifying absences due to a physical
AD&D coverage would provide financial support to you or your
disease, injury, pregnancy or mental disorder lasting longer than
beneficiaries. If eligible, you can purchase voluntary AD&D
seven calendar days up to 26 weeks. You are automatically
coverage through The Standard Insurance Company for yourself
enrolled in this company-paid benefit. The amount of salary
and your spouse in the following amounts:
continuation you are eligible to receive is based on your length of
• For yourself: $25,000 to $500,000 in $5,000 increments.
service. For more on salary continuation coverage, see the Salaried
• For your spouse: $25,000 to $250,000 in $5,000 increments.
Employee Handbook, available on Cargill Connects’ HR Center
(click on Human Resources > North America > United States).
You must purchase voluntary AD&D coverage for yourself in
level cannot be greater than your coverage amount. See
Detailed Benefits Information is Available in
your SPD
cargill.com/mybenefits for rates and other information.
Access Summary Plan Descriptions (SPDs) for your elected
order to purchase it for your spouse, and your spouse’s coverage
Long-term Disability
benefits plans at hrdirect.cargill.com, then click on Self Service >
Benefits > Benefits Summary. If you do not have intranet access,
Did you know that 25% of the U.S. population will have an illness
you may request a paper copy of an SPD by contacting HR Direct
or injury during their lifetime that requires multiple months of time
Dial at 1-877-366-9696.
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. If you decide to enroll outside of your
new hire enrollment, evidence of insurability will be required. The
monthly cost for buy-up coverage is $0.649 per $100 of monthly
salary. For more information, visit cargill.com/mybenefits.
Don’t forget to name a beneficiary. A beneficiary is someone who will receive your
life insurance benefits if you die. Your beneficiary designation applies to any Basic,
Additional Life, Voluntary AD&D and Business Travel Accident (if applicable) elections you
have on file. This means 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.
14 | 2015 New Hire Enrollment Guide
Retirement Benefits
A 401(k) enrollment kit will be mailed
to your home by Vanguard within three
weeks of your hire date. You can enroll
in 401(k) at any time during the year.
At Cargill we value your future and, therefore, we encourage and
support you to save and plan for it.
Cargill 401(k) and Employee Stock Ownership
Plan (ESOP)
Cargill’s 401(k) plan is a portable retirement account administered
by Vanguard. You can contribute up to 50 percent of your pay
on a pre-tax basis, after-tax (Roth) basis or a combination of
both. You will be automatically enrolled at 3 percent in the 401(k)
plan if you do not enroll within one year. Cargill matches 100
percent on the first 3 percent you contribute, then 50 percent on
the next 2 percent. You are eligible to participate in the 401(k)
plan immediately following your hire date. The quarterly match
is in Cargill ESOP stock. You are eligible to receive matching
contributions beginning with your first paycheck following one year
of service. The match is immediately 100 percent vested.
Employee Retirement Account (ERA)
Cargill funds this portable retirement account, which provides an
annual contribution of 2.5–7 percent of your eligible pay, depending
on your age and years of service (see the table). You are immediately
­­eligible for the ERA and are vested after three years of service. You
control where the money is invested from a selection of funds. If you
do not make an election, Cargill’s contribution will automatically be
invested in the Vanguard Target Retirement Fund that most closely
matches the year in which you will reach age 65. To make your
investment elections, call Vanguard at 1-800-523-1188.
ERA Contribution Schedule
Years of Service
Age
0-4
5-9
10-14 15-19 20-24 25-29 30-34 35-39 40+
Less than 30
2.5%
2.5%
2.5%
30-34
2.5%
2.5%
2.5%
2.5%
35-39
3%
3%
3%
3%
3%
40-44
3%
3%
3%
3%
4%
4%
45-49
3%
3%
3%
4%
4%
5%
5%
50-54
4%
5%
5%
5%
6%
6%
6%
6%
55-59
5%
5%
6%
6%
7%
7%
7%
7%
7%
60-64
6%
6%
6%
7%
7%
7%
7%
7%
7%
65 +
7%
7%
7%
7%
7%
7%
7%
7%
7%
2015 New Hire Enrollment Guide | 15
Wellness – what you should know
We offer wellness incentives because we care about you and your family. We also want to help
manage your costs and ours. When we work together towards better health, the cost of our health
care will grow at a slower rate. Wellness incentives are designed to thank you—and reward you—
for taking steps to improve the quality of your life and the overall health of our organization.
Earn up to $1,200 in wellness incentives!*
Taking care of ourselves is not easy, and at times it can seem like work. Think of the
maintenance a car requires: oil changes, rotating tires, brake inspections. Similarly, your
health requires maintenance. Knowing your numbers (cholesterol, Body Mass Index (BMI)
and blood pressure) can help ensure your body is running smoothly. Cargill’s wellness
program is here to help you keep your health on track and earn some extra cash while
doing so!
How to earn your 2015 wellness incentives
At Cargill, we are committed to providing you and your family with the resources to help you
get healthy and/or stay healthy.
You can take steps to earn incentives each quarter, October through September:
Quarter 1
October - December 2014
Quarter 2
January - March 2015
Quarter 3
April - June 2015
Quarter 4
July - September 2015
There are two types of incentives, both of which translate to real
dollars for you:
1. Direct Dollar Incentives: Money you can make by completing certain steps (including
being tobacco free) and achieving healthy biometric results.
2. RedBrick Health Points: If you and/or your spouse do not meet the healthy biometric
goals, you may make up the missing points (and receive associated dollars) by
completing certain healthy activities. You both also have the opportunity to qualify for the
first quarter’s wellness incentive by earning 60 points each by the end of 2014.*
*Please note: The amount you can earn is prorated based on your hire date.
16 | 2015 New Hire Enrollment Guide
Here are the activities you can complete for dollars and/or points in each quarter:
QUARTER 1
OCT - DEC 2014
QUARTER 2
JAN - MARCH 2015
Be tobacco free
Biometric screening
Health assessment
Healthy activities
QUARTER 3
APRIL - JUNE 2015
QUARTER 4
JULY - SEPT 2015
Healthy biometric results OR healthy activities alternative if you did not achieve healthy
biometric results
We respect your privacy. Your personal health information is personal and we treat it as such. The health
assessment and biometric screening results are completely confidential.
Enter the
amounts as you
earn them
Activity

How to earn your incentives — step by step
Deadline
Reward
Be tobacco free
Attest that you and your covered family members
have not smoked or used tobacco in the last 12
months or have completed a tobacco cessation program
within the last 12 months.
Complete this step during
enrollment.
$50 per quarter
(Q1-Q4 - total $200)
Combined reward for
both you and spouse
Health assessment
(HA)
Complete the online, confidential HA that helps you
understand your health – where you’re doing well and
opportunities for improvement – at redbrickhealth.com or
by calling RedBrick Health.
ASAP You must complete
this “gateway” step
to qualify for any healthy
activity points.
You: $50
Spouse: $50
Healthy activities
Q1
Complete 60 points worth of RedBrick healthy
activities. For a complete list of activities, go to
mywellbeing.cargill.com or call RedBrick Health.
Q1 December 31, 2014
You:
$125 for 60 points
Spouse:
$50 for 60 points
Biometric screening
Q2-4
Complete a biometric screening onsite (you) or with
your doctor (you/your spouse).
Q2 March 31, 2015*
You: $150;
Spouse: $50
Q3 June 30, 2015* OR
Q4 September 30, 2015*
You: $75;
Spouse: $25
Q2 March 31, 2015
You:
$125 each quarter
Q2-Q4 = total $375
Spouse:
$50 each quarter
Q2-Q4 - total $175
Q2 March 31, 2015
Q3 June 30, 2015
Q4 September 30, 2015
You:
$125 each quarter
you earn 60 points;
possible total $375
Spouse:
$50 each quarter
you earn 60 points;
possible total $150
Healthy biometric
Achieve healthy results for ALL biometric measures:
results (BMI, blood
You’re done! You automatically earn your 60 healthy
pressure, cholesterol) activity points for quarters 2-4. To view the healthy ranges,
access mywellbeing.cargill.com or call RedBrick Health.
OR
Healthy activities
Alternative: If you do not achieve healthy results in all
measures, complete RedBrick healthy activities each
quarter to earn any remaining points needed to earn 60
healthy activity points.
Incentives
* Deadlines listed are the date Provant (the administrator of our biometric screenings) receives the form from you doctor, not when the screening was completed.
2015 New Hire Enrollment Guide | 17
It’s easy to get started
You can take the first step toward your wellness incentive by completing the tobacco-free
certification when you enroll for your 2015 benefits. This is found under the medical section
when you enroll online.
Then, to complete your health assessment, log on to redbrickhealth.com any time after
October 1. If you’re not registered, simply go to the site and click “Register now,” then
follow the prompts to complete your registration. Remember: Taking the health
Get your spouse in on the
action.
assessment is the first step in earning wellness incentive dollars. If you do not
complete the health assessment, you will not be able to earn points toward your
You will earn wellness incentives when
healthy activities incentives.
your covered spouse completes wellness
Once you register with RedBrick Health, log in at your convenience for additional
information and healthy activities you can complete to earn points and maximize your
wellness incentive. Questions? Call RedBrick Health at 1-866-322-1719.
activities too. So why not work together
toward a healthier future?
Did you know? Numerous studies show
that when you partner with someone to
Why we care about wellness
eat healthier and participate together in
When potential problems are caught early, they can be treated more effectively, typically
with less expensive treatments and better health outcomes. This protects your health,
reduces emotional and financial stress on you and your family and saves money – for you
and for Cargill.
healthy activities, you are more likely to
be successful and keep it up as a longterm habit than if you go it alone. So find a
partner—maybe it’s your spouse!
Struggling with completing the
wellness requirements?
Your reward payout
When you complete healthy activities and achieve points to earn wellness incentives, you
will receive each quarter’s incentive in your paycheck according to the following schedule:
Cargill is committed to helping you achieve
your best health. Rewards for participating
in a wellness program are available to all
For tasks/activities completed in…
You will receive payment in…
employees. If you think you are unable to
Quarter 1 October – December 2014
February 2015
meet a requirement for a reward under this
Quarter 2 January – March 2015
May 2015
Quarter 3 April – June 2015
August 2015
by different means. Contact RedBrick
Quarter 4 July – September 2015
November 2015
Health and they will work with you (and, if
Note: You and your spouse (if applicable) must be enrolled in a Cargill medical plan to be eligible for the
wellness incentive. You also must be actively working at the time the incentive is paid to be eligible to
receive it.
Reminder: You will not
be able to access healthy
activities on the Red
Brick Health website until
you complete the health
assessment.
18 | 2015 New Hire Enrollment Guide
wellness program, you might qualify for
an opportunity to earn the same reward
you wish, with your doctor) to determine
alternative ways for you to earn your
rewards.
Biometric screening points
Increase Your Odds of Getting Future Incentives –
Complete This Year’s Biometric Screening
To motivate you to stay actively engaged in your health and to help you achieve your goals
and maintain your health over time, Cargill wellness incentives focus not only on activities
but also on your results. For example, you will earn an incentive for achieving certain
biometric standards. If you don’t meet the standards, you can earn an incentive for making
specific improvements in your results year-over-year.
That’s why it’s important you complete a biometric screening in 2015. Those results will form
the baseline for measuring your future progress. In other words, without a 2015 screening,
you won’t have anything to measure against in 2016, and you will only be able to earn an
incentive for meeting the standards vs. making improvements from one year to the next.
Here is an overview of biometric measures and what you need to
accomplish to earn points.
Healthy Ranges
Who
Points Per
Quarter
BMI (18.5 – 27.5)
You and/or your covered spouse
20
Cholesterol (<200 or ratio of total
cholesterol to HDL is less than 3:5:1)
You and/or your covered spouse
20
Blood pressure (≤120/80 mmHg)
You and/or your covered spouse
20
Note that points for biometric measures are per quarter, so if you earn 60 points for having
biometric measures in the healthy range in the quarter in which you complete the screening,
you won’t have to complete any additional healthy activities in the remaining quarters.
However, we always challenge you to participate and lead by example.
Take Advantage of Wellness Resources and Activities
Visit RedBrickHealth.com/login and mywellbeing.cargill.com for valuable wellness
resources, including:
• Wellness incentive tracking and healthy activity points options (RedBrick Health)
• Access to programs to help you quit smoking, manage your weight and get reimbursed
for weight loss programs
• Nutritional counseling and more!
2015 New Hire Enrollment Guide | 19
How to enroll
You must enroll within 30 calendar days of hire. Your first day counts as day one.
1) Get informed.
• Read this guide to decide the right options for you.
• Log on to cargill.com/mybenefits for additional benefit details.
2) Enroll within 30 days of your hire date.
• Log in to HR Direct from your work computer at hrdirect.cargill.com using your Directory Services (DS) ID and password.*
Please note: You cannot enroll until you are entered into the system and have a DS ID, which may take one to two weeks.
• Click on Self Service > Benefits > Benefits Enrollment.
• Click on Select to begin your enrollment.
• Click on Edit next to each benefit for which you’d like to enroll and follow the prompts to make your choices. Don’t forget to:
• Indicate tobacco status for yourself and your covered family members (in the medical section on HR Direct).
• Indicate whether or not your spouse is eligible for other employer-sponsored medical coverage (in the medical section on HR
Direct). If you don’t cover your spouse or don’t have a spouse, select “Not Applicable.”
• Select the coverage you want for your dependents when you add them.
• Include beneficiaries for your life insurance.
• Once all your choices have been entered and are final, click Continue, then Submit to complete your enrollment. You must follow
this process to save, authorize and submit your choices to Cargill Benefits for processing.
3) Complete the dependent eligibility verification process for dependents you wish to add to coverage.
If you are adding dependents to your medical, dental or vision plan, a verification packet will be mailed to your home within six to nine
weeks of your enrollment. This packet will explain how to verify your dependents. If you do not provide the necessary documentation by
the deadline, your dependents will be removed from coverage.
*Please note: Employees hired between October and December, must enroll by calling HR Direct Dial.
For life events during the year, such as
a marriage, birth or adoption, you have
30 days to enroll (with the day of event
counting as day 1).
20 | 2015 New Hire Enrollment Guide
Vendor contact information
Health care benefits
Plan
Vendor Contact Information
Medical
Blue Cross and Blue Shield
• HRA Plan
• HSA Plan
• Primary Plan
1-866-870-0361
Teladoc
1-800-TELADOC (835-2362)
bluecrossmn.com/cargill
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
Financial protection benefits
Life Insurance and Accidental Death
The Standard Life Insurance Company
and Dismemberment (AD&D)
1-855-839-9883
Accident and Sickness Benefits
standard.com
(employees with production benefits only)
Long-Term Disability
(employees with salaried benefits only)
Salary Continuation
HR Direct Dial
(employees with salaried benefits only)
1-877-366-9696
Business Travel Accident Insurance
Chubb Life
(employees with salaried benefits only)
For information, contact HR Direct Dial at
1-877-366-9696.
2015 New Hire Enrollment Guide | 21
Retirement benefits
Plan
Vendor Contact Information
Cargill Partnership Plan (401(k) and
The Vanguard Group
Employee Stock Ownership Plan
1-800-523-1188
(ESOP))
vanguard.com
Employee Retirement Account
Wellness benefits
Nutritional Counseling
Tobacco Cessation Programs
Blue Cross and Blue Shield
1-866-870-0361
bluecrossmn.com/cargill
Healthy Start Prenatal Program
Blue Cross and Blue Shield
Call early in your pregnancy to be eligible
1-866-870-0361
for money from Cargill.
[email protected]
Health Assessment
RedBrick Health
Health Coaching
1-866-322-1719
redbrickhealth.com/login
Weight Loss and Tobacco Cessation
HR Direct Dial
Reimbursement Programs
1-877-366-9696
mywellbeing.cargill.com
Other benefits
Employee Assistance Program (EAP)
Bensinger, DuPoint & Associates (BDA)
1-888-247-2086
bdaeap.com (password: cargilleap)
Dependent Care Spending Account
ConnectYourCare
(DCSA)
1-866-568-7558
connectyourcare.com
Other important contacts
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.
22 | 2015 New Hire Enrollment Guide
2015 New Hire Enrollment Guide | 23
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.
NHMEG-1014
New Hire Model Enrollment Guide