2014 Benefits Open Enrollment November 19 December 6, 2013 Take - - PowerPoint PPT Presentation

2014 Benefits Open Enrollment

November 19 – December 6, 2013 Take The Wheel Today and Benefit Don’t Lose Your 2014 Benefits

• Open Enrollment Overview
• Benefit Plan Changes and Highlights
• Eligibility
• Benefit Plan Information
• Open Enrollment Instructions
• Open Enrollment Next Steps
• Open Enrollment, HR and Vendor Contact Information

Required 2014 Open Enrollment

1

What is Open Enrollment?

• Open Enrollment Period: November 19th – December 6th.
• The annual benefits enrollment period is your chance to enroll or change

your enrollment in current healthcare and flexible spending.

• You must actively make elections for medical and flexible spending

account(s) to have coverage in 2014. Unlike prior years, your current medical elections will not roll over to the new plan year.

• If you do not enroll during Open Enrollment, you may not make changes

to your coverage until next year’s Open Enrollment period, unless you have a qualifying life event.

• The benefits you elect will be effective January 1, 2014 and payroll

deductions will begin on your first paycheck of 2014.

2

• Enrollment information packet will be mailed to your home address

the week of November 4th. Update your address to ensure delivery!

• Be sure to review the entire booklet as you select your coverage(s).
• Open Enrollment begins November 19th and ends December 6th –

you must enroll during these dates. Two ways to enroll

• Enroll online at https://karbenefits.com.
• Complete directions for online enrollment are available on the KAR Benefits

website home page: 2014 OE Guide to Using the Benefits System.

• Enroll by phone by calling the Univers Benefits Enrollment Center

800.868.0873 (toll-free) Monday thru Friday 9am to 8pm EST.

• Note: You will need to enroll in the Medical Insurance & Flexible Spending Accounts

for 2014. Current Medical and FSA elections will not be rolled over.

Required 2014 Open Enrollment Overview

3

Key Communications – Why the Changes?

• The KAR Board and Senior Leadership Team have undertaken great effort to

approach plan design and costs with a focus on our employees.

• KAR’s plans have exceeded budget by $4.5M this year.
• Healthcare costs continue to escalate at more than double the inflation rate.
• 2014 national trend increase is projected at double-digit levels.
• KAR has historically held to 3-7% premium increases to employees but cannot

continue to absorb escalating costs.

• 2014 Affordable Care Act imposes significant costs.
• KAR is proud to continue to provide a competitive benefits package in the

industry.

4

Key Benefit Changes for 2014

• Medical Plan Changes:
• Rate Increase of 17% on all plans and tiers.
• Increase deductibles and out of pocket maximums.
• Spouse Eligibility.
• If spouse is eligible for employer-sponsored medical coverage through another

employer and their employer contributes at least 50% to the cost of the medical premium, your spouse is not eligible for coverage. Applies to spouse that is also employed by KAR Auction Services.

• Does not apply to spouse who is eligible for Medicare.
• If spouse is not eligible for employer-sponsored medical coverage or their

employer pays less than 50% of total premiums, spouse is eligible for KAR coverage and employee must sign Spouse Eligibility Certification Form.

5

Key Benefit Changes for 2014

• Medical Plan Changes:
• Same Sex Marriage Coverage.
• Emergency Room Surcharge.
• Surcharge is waived if the plan member is admitted
• Premium Plan and Standard Plan.
• Increase to $200 up from $100.
• Consumer Choice Plan.
• Implement $200 emergency room surcharge.
• Dental Rate Increase 3% on all plans and tiers.
• No Plan changes for the Dental Plans.
• No Rate or Plan changes for the Vision Plan.

6

Key Benefit Changes for 2014

In-Network Out-Network In-Network Out-Network In-Network Out-Network

Annual Deductible (ded) Single $500 $1,200 $750 $1,500 $1,500 $3,000 Family* $1,250 $3,000 $1,875 $3,750 $3,750 $7,500 Coinsurance (coins) 20% 40% 20% 40% 20% 50% Out of Pocket Maximum (OOP Max) Single $2,000 $4,000 $2,450 $4,900 $2,500 $8,000 Family* $5,000 $10,000 $6,125 $12,250 $6,250 $20,000 Inpatient Hospital ded & coins ded & coins ded & coins ded & coins ded & coins ded & coins Office Visits Primary Care Physician ded & coins ded & coins ded & coins ded & coins ded & coins ded & coins Specialist ded & coins ded & coins ded & coins ded & coins ded & coins ded & coins Emergency Room Surcharge Urgent Care Facility Wellness Benefits Children, regardless of age 100% No coverage 100% No coverage 100% No coverage Adults 100% No coverage 100% No coverage 100% No coverage Infertility Office Visits ded & coins ded & coins ded & coins ded & coins ded & coins ded & coins Surgery ded & coins ded & coins ded & coins ded & coins ded & coins ded & coins Rx- Retail Formulary Generic 15% No coverage 20% No coverage ded & coins No coverage Formulary Brand 30% No coverage 40% No coverage ded & coins No coverage Non Formulary Brand 40% No coverage 50% No coverage ded & coins No coverage Rx- Mail Order (90 day supply) Formulary Generic 10% No coverage 15% No coverage ded & coins No coverage Formulary Brand 25% No coverage 35% No coverage ded & coins No coverage Non Formulary Brand 35% No coverage 45% No coverage ded & coins No coverage Coverage Tier Employee Employee & Child(ren) Employee & Spouse Family $200 surcharge, also subject to Ded & Coins Deductible & Coinsurance Deductible & Coinsurance Deductible & Coinsurance

Premium Plan Standard Plan Consumer Choice Plan

Includes Deductible Includes Deductible Includes deductible $3,000/$6,000 OOP max $4,500/$9,000 OOP max $3,000/$6,000 OOP max (combined w/retail) $4,500/$9,000 OOP max (combined w/retail) $200 surcharge, also subject to Ded & Coins $200 surcharge, also subject to Ded & Coins

* Dependents are covered until the age of 26

$183.93 $130.93 $117.74 $62.99

Employee Bi-Weekly Cost Employee Bi-Weekly Cost

$45.00 $84.12 $93.54

2014 Medical Plan Design

Employee Bi-Weekly Cost

$20.54 $38.38 $42.69 $59.97 $131.42

Diagnosis only covered Diagnosis only covered Diagnosis only covered

7

2014 Medical Rates Employee and Company Paid

Premium Plan : Employees pay 27% of the premiums KAR pays 73% of the premiums Standard Plan: Employees pay 22% of the premiums KAR pays 78% of the premiums Consumer Choice Plan: Employees pay 11% of the premiums KAR pays 89% of the premiums

8

Medical Plan Information for MA Residents Only

 Participants residing in the Commonwealth of Massachusetts have a lower

prescription out-of-pocket maximum on the Standard Plan (only) in response to regulations under the Massachusetts Healthcare Reform Act.

 Standard Plan Rx OOP Max

 Single $3,900  Family $6,575

9

Medical Plan Information

• What is a Consumer Driven Health Plan (CDHC)?
• A health plan with a high deductible to offer protection for catastrophic

medical expenses, with lower monthly premiums.

• CDHC plans provide the insured with the opportunity to compare

treatment costs.

• How is this different than a traditional PPO plan?
• A PPO plan usually has a lower deductible and a higher monthly premium.
• Something to consider:
• Are you more comfortable paying more money from each paycheck, to

have lower bills when visiting the doctor?

• Or are you more comfortable paying less money from each paycheck, then

paying more money at the doctor’s office?

10

Key Benefit Changes for 2014

• Medical plan deductible increases are as follows:
• Premium Plan
• $500 (s)/$1,250 (f) in-network up from $400 (s)/$800 (f)
• $1,200 (s)/$3,000 (f) out-network up from $1,000 (s)/$2,000 (f)
• Standard Plan
• $750 (s)/$1,875 (f) in-network up from $700 (s)/$1,400 (f)
• $1,500 (s)/$3,750 (f) out-network up from $1,400 (s)/$2,800 (f)
• Consumer Choice Plan
• $1,500 (s)/$3,750 (f) in-network up from $1,500 (s)/$3,000 (f)
• $3,000 (s)/$7,500 (f) out-network up from $3,000 (s)/$6,000 (f)

11

Key Benefit Changes for 2014

• Medical plan out of pocket increases are as follows: *
• Premium Plan
• $1,500 (s)/$3,750 (f) in-network up from $1,400 (s)/$2,800 (f)
• $2,800 (s)/$7,000 (f) out-network up from $2,600 (s)/$5,200 (f)
• Standard Plan
• $1,700 (s)/$4,250 (f) in-network up from $1,600 (s)/$3,200 (f)
• $3,400 (s)/$8,500 (f) out-network up from $3,200 (s)/$6,400(f)
• Consumer Choice Plan
• $1,000 (s)/$2,500 (f) in-network up from $1,000 (s)/$2,000 (f)
• $5,000 (s)/$12,500 (f) out-network up from $5,000 (s)/$10,000

(f)

* Out of pocket maximums exclude deductibles

12

Key Benefit Changes for 2014

Premium Plan Standard Plan

Coinsurance Level 100% 100% Services Diagnostic & Preventive, Emergency Palliative Treatment, Radiographs, Sealants to age 14 Diagnostic & Preventive, Emergency Palliative Treatment, Radiographs, Sealants to age 14 Annual Deductible: Applicable Classes II & III II & III Single $25 $50 Family $50 $150 Coinsurance Level 80% 80% Services Oral Surgery, Endodontic, Periodontic, Relines & Repairs, Minor Restorative services including Fillings Oral Surgery, Endodontic, Periodontic, Relines & Repairs, Minor Restorative services including Fillings Coinsurance Level 50% 50% Services Major Restorative services (crowns), Prosthodontic services (bridges, partial & complete dentures) Major Restorative services (crowns), Prosthodontic services (bridges, partial & complete dentures) Annual Maximum $2,000 (I, II & III) $1,000 (I, II & III) Coinsurance Level 50% 50% Lifetime Maximum $1,500 $1,500 Services Child Orthodontic Services Child Orthodontic Services

Coverage Tier

Employee $6.67 $2.76 Employee + Child(ren) $15.00 $6.21 Employee + Spouse $13.00 $5.37 Family $23.95 $9.88

Class I - Preventive Class II - Basic Class III - Major Class IV - Orthodontia

2014 Dental Plan Design

Employee Bi-Weekly Cost In-Network Out-Network Eye Exam

$15 copay then 100% Up to $40

Lenses

Single vision $25 copay then 100% Up to $40 Bifocal $25 copay then 100% Up to $80 Trifocal $25 copay then 100% Up to $80 Lenticular $25 copay then 100% Up to $80

Frames

$25 copay then 100% 1 Up to $45

Elective contact lenses

Covered in full $25 copay then 100% 2 Up to $150 2 All other Up to $150 2 Up to $150 2

Necessary contact lenses

$25 copay then 100% Up to $210

Coverage Tier

Employee Employee + Child(ren) Employee + Spouse Family 1 every 12 months 1 every 12 months 1 every 24 months 1 every 12 months 1 every 12 months

2014 Vision Plan Design

1 Frame benefit - All frames with a $50 wholesale cost or less are covered in full at private practice

• providers. For any frame with a wholesale cost greater than $50 at private providers, the participant
• nly pays the difference between the wholesale cost of the frame & the $50 allowance. Plan

participants receive $120 frame allowance for frames purchased at retail chain providers. 2 Provided in lieu of spectacle lenses and frames. Covers in full (after copay) the fitting/evaluation fees, contacts (disposable contacts; up to 4 boxes, depending on prescription) & up to 2 follow up

• visits. A $125 allowance is applied toward the fitting/evaluation fees & purchase of contact lenses
• utside of the covered in full contacts (materials copay does not apply). Toric, gas permeable &

bifocal contacts are examples of contacts that are outside the covered in full selection.

Employee Bi-Weekly Cost

$4.79 $3.33 $3.50 $1.67

13

Plan Highlights

• Medical Plans:
• Wellness benefits will continue to be covered at 100%, no

coinsurance, deductibles or dollar limits.

• There is no limit on wellness benefits:
• Regular Physical Exam
• Colonoscopies
• Pap Smears
• Immunizations
• Mammograms
• Prostate Specific Antigen tests (PSA)
• Any routine diagnostic services appropriate for your age/sex,

performed only as preventive care.

14

Eligibility

• Full-time employees are eligible for benefits.
• Full-time Employee: Works an average of 32 hours per week.
• Dependent children are eligible if:
• Under age 26.
• Must provide proof of dependent eligibility documentation if enrolling for the

first time.

• Documentation needed to verify dependent child added to 2014 coverage:
• Birth Certificate, Adoption paperwork or Legal Guardian paperwork.
• All dependent verification documentation should be sent to the KAR Auction

Services Corporate Benefits Department by Monday, December 16th.

• Fax: 866.929.3270.
• Email: hrbenefits@adesa.com.

15

• Determination of Benefit Eligible Spouse:
• If spouse is eligible for employer-sponsored medical coverage through another

employer and their employer contributes at least 50% to the cost of the medical premium, your spouse is not eligible for KAR medical coverage. Applies to spouse that is also employed by KAR Auction Services.

• If spouse is not eligible for employer-sponsored medical coverage or their

employer pays less than 50% of total premiums, spouse is eligible for KAR coverage and employee must sign Spouse Eligibility Form.

• If Same Sex Marriage, the marriage must have occurred in one of the states listed

in slide 18 and must provide a marriage license.

• If Common Law Marriage (as permissible by state law), you must complete the

Common Law Marriage Acknowledgement Form.

Eligibility Continued

16

Eligibility Continued Working Spouse Rule

Example 1:

• Spouse’s employer provides medical insurance for employee only coverage of $400/mo.
• Spouse’s employer contributes 65% of total cost - $260/mo.
• Spouse is responsible for remaining 35% of the monthly cost - $140/mo.

In this scenario the spouse would not be eligible for coverage on the KAR Auction Services medical plan because the spouse’s employer pays at least 50% of the monthly premium cost.

Example 2:

• Spouse’s employer provides medical insurance for employee only coverage of $400/mo.
• Spouse’s employer contributes 45% of total cost - $180/mo.
• Spouse is responsible for remaining 55% of the monthly cost - $220/mo.

In this scenario the spouse would be eligible for coverage on the KAR Auction Services medical plan because the spouse's employer does not pay at least 50% of the monthly premium cost. Must submit the completed Spouse Eligibility Certification Form.

17

Legalized Same Sex Marriage States:

California Maryland New Mexico Connecticut Massachusetts New York Delaware Minnesota Rhode Island District of Columbia New Hampshire Vermont Iowa New Jersey Washington Maine

Common Law States:

Alabama Iowa Pennsylvania (if before ‘05) Colorado Kansas Rhode Island District of Columbia Montana South Carolina Georgia (if before ‘97) Ohio (if before ‘91) Texas Idaho (if before ‘96) Oklahoma Utah

Same Sex and Common Law Marriage States:

District of Columbia Iowa Rhode Island *Updates to the state listings will be made by the KAR Auction Services Legal Dept.

Eligibility Continued

18

Eligibility Continued

• Documentation is required for newly enrolled dependents.
• Spouse – Marriage certificate, Common Law Marriage Acknowledgement

Form and/or Spouse Eligibility Form .

• Child – Birth certificate, adoption paperwork or legal guardianship

paperwork.

• Must provide to the Corporate Benefits Department by Monday,

December 16th .

• Fax: 866.929.3270.
• Email: hrbenefits@adesa.com.

19

401K Retirement Savings Plan

• Plan Features:
• Save between 1% to 90% of your pay.
• Multiple investment options.
• Two Options for Contribution:
• Traditional contributions which are pre-taxed.
• Roth 401k contributions which are post- taxed - starting 1/1/2014.
• IRS Limits:
• 2014 Limits have not been released (10/15/2013).
• Employee contribution (2013) $17,500.
• Catch up – If age 50+ you may contribute additional $5,500.
• Combined pre tax and post tax contributions are subject to the IRS limits.
• Employer Match:
• 100% of the first 4% contributed (Total).
• Pre-tax contribution.
• Start Saving:
• Eligible to enroll in the plan first of the month following 30 days of employment.
• Full or Part time employees are eligible

20

• Enroll at any time in the year by calling Fidelity at 800.835.5097 or by logging
• n to www.401k.com.
• Beneficiaries must be designated online at www.401k.com. Make sure your

beneficiary(ies) are up to date!

401k Retirement Savings Plan Comparison

Traditional 401k

• Pre- Tax Dollars
• Contributions are tax

deductible

• Taxed withdrawal
• Required Minimum

Distribution (RMD) at age 70½ Roth 401k

• Post Tax Dollars
• Tax free qualified withdrawal
• Non Tax deductible
• No gross income limits

21

Wellness Gift Card Program

• All full-time employees currently enrolled in a KAR Auction Services

Medical Plan are eligible to participate!

• Employees can receive a $50 gift card for completing an annual Health

Risk Assessment online at www.Anthem.com.

• Employees can receive a $50 gift card for having an annual general

wellness physical exam (contact your physician to schedule).

• To qualify for the gift card, your exam must be coded as a routine general

wellness physical – let your doctor’s office know this when scheduling the appointment.

• Please note that an annual Well Woman exam is not the same as the

routine general wellness exam and therefore does not qualify for the gift card program.

• Gift cards will arrive in the mail within 60-90 days of completion based
• n reporting and processing time.

22

Life Insurance

• Principal Life Insurance.
• 2x Annual Earnings for Basic Life and AD&D up to $800,000 (this

is automatic and company-provided).

• 1-5x Annual Earnings for Supplemental Coverage.
• 0.5-2.5x Annual Earnings for Spouse Coverage:
• Can not exceed 50% of employee’s supplemental coverage.
• $5,000 units up to $20,000 for Child Coverage.
• Supplemental AD&D, if elected, will match Supplemental Life

election.

23

Life Insurance Rules

• Employee life insurance reduction schedule for Basic and

Supplemental coverage:

• Plan reduces to 65% at 65.
• Plan reduces to 45% at 70.
• Plan reduces to 30% at 75.
• Spouse life insurance terminates when spouse turns 70.
• A spouse cannot enroll if 70 or older.
• Statement of Health must be submitted if enrolling or increasing

coverage outside of new hire enrollment.

• If you have child life insurance, succeeding children are

automatically enrolled at the same cost:

• Children will only be covered up to the age of 26.

24

Disability Insurance

• Principal – Employer Paid.
• Short Term Disability:
• Pays 65% of earnings for up to 26 weeks.
• 3 business day waiting period.
• May be required to use PTO time to supplement pay during waiting

period and while on disability.

• STD Claim Intake Number: 877.654.0546.
• Online STD Claim Submission at: www.Principal.com.
• Long Term Disability:
• Pays 66 2/3% of monthly salary.
• Maximum monthly benefit - $15,000.

25

Employee Assistance Program (EAP)

• Ceridian.
• This program is designed to provide professional help in dealing with

personal concerns impacting you and your family at home or at work:

• Marital conflict
• Depression
• Drug & alcohol abuse
• Grief counseling
• Children’s problems
• Family budgeting
• Legal issues
• EAP is available at no cost to you.
• You can call 888.300.0431 or visit the Web site at www.lifeworks.com.
• User ID: KAR
• Password: 1850

26

Healthcare Flexible Spending Account

• 2014 Healthcare Flexible Spending limit is $2,500:
• This change was effective beginning in 2013; Spouse can enroll in separate FSA

plan for up to $2,500.

• Total 2014 contribution available on effective date of coverage.
• Save pre-tax dollars to pay for eligible expenses:
• Expenses for employee, spouse, and dependents are eligible for reimbursement

(spouse and dependents do not need to be covered under the KAR medical plan to be eligible for the FSA).

• Dependent eligibility is based on the IRS definition of a dependent, not the KAR

Auction Services, Inc. definition.

• Must enroll in 2014 plan, enrollment in 2013 plan does not carry over!
• Funds are “Use it or Lose it” – total contribution must be used for eligible expenses

incurred in 2014.

• If you separate from the company during the year your, eligible expenses must have

been incurred on or before your last date of work.

27

Eligible Health Care Expenses

• Medical Deductibles:
• Office visits, medical procedures.
• Dental Expenses:
• Braces, crowns, fillings, etc.
• Vision Expenses:
• Contact lenses, glasses, exams, etc.
• Prescription Drugs.

For a full list of eligible or excluded expenses for either Dependent Care FSA or Heath Care FSA visit the ADP FSA website at: www.flexdirect.adp.com. *Reminder that over-the-counter drugs and medical supplies are no longer eligible expenses as of January 1, 2011.

28

Dependent Care Flexible Spending Account

• Reimbursement for eligible expenses for Dependent Care.
• Maximum contribution for 2014 is $5,000 (per household):
• Funds are available as they are deposited into the account.
• For care of child(ren) under the age of 13:
• Care at licensed nursery or pre-schools or child care centers.
• Before and after school care.
• Day camps.
• Babysitter or au pair (if claimed as taxable income by provider).
• Physically challenged child(ren) or adults who qualify under IRS Section 152 definition of a

dependent.

• Must enroll in 2014 plan, enrollment in 2013 plan does not carry over!
• Funds are “Use it or Lose it” – total contribution must be used for eligible expenses

incurred in 2014.

• If you separate from the company during the year your, eligible expenses must have been

incurred on or before your last date of work.

29

Voluntary Products

• CAIC Voluntary Accident Insurance:
• Covers accidents that occur both on and off the job.
• Pays lump sum benefit for covered accidents and accident related expenses.
• Coverage is portable and may be elected for yourself, as well as your spouse and dependent

children.

• CAIC Critical Illness Insurance:
• Pays out lump sum when an employee experiences a covered illness, such as:
• Cancer
• Carcinoma
• Heart Attack
• Coronary Artery Bypass Surgery
• Stroke
• Major Organ Transplant
• End Stage Renal Failure
• Coverage is portable and may be elected for yourself, as well as your spouse and dependent

children.

**Can only enroll by calling Univers Enrollment Center 800.868.0873 (toll-free)**

30

Voluntary Products Continued

• Trustmark Voluntary Life Insurance:
• Purchase the precise amount of coverage that meets your needs
• Individually owned - portable coverage
• Policy builds cash value
• Premiums do not increase with age
• Coverage is portable and may be elected for yourself, as well as your spouse and dependent

children

New voluntary product offering for 2014

• InfoArmor:
• Identity Monitoring
• Internet Surveillance
• Full Service Privacy Advocate – Restoration
• Identity MD
• Out of Pocket Expense Coverage
• Solicitation Reduction
• Credit Armor

**Can only enroll by calling Univers Enrollment Center 800.868.0873 (toll-free)**

31

Employee Stock Purchase Plan (ESPP)

 The KAR Auction Services, Inc. ESPP allows eligible employees to purchase shares at a

15% discount from the open market value through regularly scheduled payroll deductions or by submitting a check to the Corporate Compensation Department.

 Eligibility:

• Full-time employees who have completed six (6) months of continuous service and do not own 5% or

more of the total combined voting power or value of all classes of stock of KAR Auction Services, Inc (KAR).

• Part-time employees who have completed one (1) year of continuous service, have been credited with

at least one thousand (1,000) hours of service, and do not own 5% or more of the total combined voting power or value of all classes of stock of KAR.

 How to enroll :

• Enrollments or changes to the ESPP program can be done online at www.computershare.com/kar.

Select social security number (SSN) as the login type, enter your SSN (or social insurance number (SIN) for Canadian employees) as the User ID, and enter 00321 as the password. You will be prompted to change your password once you login.

• You may also enroll and make changes to your enrollments by calling the Computershare toll free line at

877.770.0507.

32

• How much can I contribute?
• You can contribute between 1% and 15% of your pay via payroll deduction (must be a whole percent). You

can also submit a check to the Corporate Compensation Department. All checks must be submitted in U.S. dollars and should be made payable to KAR by the 25th of each month.

• You are subject to a $25,000 annual limit on the fair market value of KAR shares that you may acquire in any

calendar year. Since the Plan purchases shares at 85% of the open market price, your annual limit (including payroll deductions and checks) is $21,250.

• When does KAR make the purchase each month?
• The date of purchase is the last business day or trading day of the month.
• What happens after KAR purchases the ESPP shares?
• Once you have purchased KAR stock through the ESPP, the shares belong to you. The stock is subject to a six

(6) month holding period in which the shares may not be assigned, transferred, pledged, or otherwise disposed of in any way during the six (6) month period following the date of purchase. Once the six month holding period is over, you may hold your shares as a long-term investment or sell them at anytime.

• For a complete Summary of Plan Features please contact the Compensation Department.
• Corey Miller, Compensation Supervisor at Corey.Miller@karauctionservices.com.

Employee Stock Purchase Plan (ESPP) Continued

33

Ready to Enroll in Benefits for 2014?

• Review your enrollment packet and make your selections for

2014 benefit coverage:

• Remember: You must actively enroll in one of the Medical Plans

and/or Flexible Spending Accounts if you would like to participate in 2014!

• Enroll online by visiting https://karbenefits.com :
• Complete directions for online enrollment are available on the

KAR Benefits website.

• Enroll by phone by calling Univers Benefit Enrollment Center at

800.868.0873 (toll-free):

• Please call during your assigned call-in dates to avoid longer

hold times!

34

Enroll by Phone

• Contact the Univers Benefit Enrollment Center:
• 800.868.0873 (toll-free).
• Open Monday through Friday, 9am to 8 pm (EST).
• If a counselor is not available, employees will be put on hold. After

55 minutes, the call will be disconnected – you can not leave a message.

Please call during your assigned call-in dates to avoid longer hold times!

If your last name begins with: Your call-in dates are: A to D 11/19, 11/20, 11/21 E to K 11/22, 11/25, 11/26 L to Q 11/27, 11/29, 12/2 R to Z 12/3, 12/4, 12/5, 12/6

35

Online Enrollment

Visit https://karbenefits.com Click on the red “2014 Open Enrollment” button to begin the enrollment process.

36

Open Enrollment Next Steps

• Confirmation statements will be emailed to those who actively

participate in open enrollment (via phone or the online system) and provide a valid email address.

• Documentation is required for newly enrolled dependents:
• Spouse – Marriage certificate, Common Law Marriage Acknowledgement

Form and/or Spouse Eligibility Certification Form.

• Child – Birth certificate, adoption paperwork or legal guardianship

paperwork.

• Must provide to the Corporate Benefits Department by Monday,

December 16th:

• Fax: 866.929.3270.
• Email: hrbenefits@adesa.com.
• After Open Enrollment, changes to benefit coverage can only be made

due to a Qualifying Life Event (birth, marriage, etc.), within 60 days from the date of the event.

37

Life Events

• Qualified Life Event includes:
• Marriage
• Divorce
• Birth or adoption
• Loss of coverage
• Loss of dependent
• Gain other coverage
• All benefit changes must be elected in the KAR Benefits System

within 60 days from the date of the event!

• We encourage you to make your elections as soon as possible as

coverage and premiums associated with the coverage are effective the date of the event.

38

Corporate Benefits Department Support

Corporate Benefits Department Phone: 888.435.7147, Option 1 Monday through Friday Open Enrollment Hours: 8:00 a.m. – 8:00 p.m. EST

39

Corporate Benefits Contacts

Name Title Phone Fax Email

Stacy Feltner Benefits Manager 317.843.4733 317.843.4738 Stacy.Feltner@adesa.com Drew Richey Benefits Representative 317.249.4334 317.249.4649 Drew.Richey@adesa.com Donna Dockins Document Control Specialist 317.249.4205 317.249.4605 DDockins@adesa.com Hailey Nguyen Benefits Representative 317.249.4284 317.843.4710 Hailey.Nguyen@adesa.com Louiza Richardson Benefits Analyst 317.249.4304 317.249.4406 Louiza.Richardson@adesa.com Bertrand Huet Benefits Analyst - Canada 317-249-4202 317-249-4502 Bertrand.Huet@adesa.com

40

Vendor Contact Information

Anthem – www.anthem.com Customer Service: 866.257.8570 RX: 800.824.0898 Express Scripts 800.451.6245 Delta Dental – www.deltadentalin.com 800.524.0149 United Healthcare Vision – www.myuhcvision.com 800.638.3120 ADP – www.flexdirect.adp.com 800.654.6695 Fidelity – www.401k.com 800.835.5097 Principal – www.principal.com Disability/Life/AD&D Claims: 800.245.1522 STD: 877.654.0546 Ceridian – www.lifeworks.com 888.300.0431 UNUM – www.unum.com 800.635.5597 CAIC 800.433.3036 Trustmark 800.918.8877 InfoArmor 800.789.2720

41

Questions?

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