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<br /> About this eGuide<br /> This interactive, online enrollment guide includes the information you need to make the benefit elections that are<br /> best for you and your family. Click through and learn about your benefit options and the resources available to help<br /> you make your elections.<br /> How do I use this guide?<br /> • Use the arrows on the left and right sides of each<br /> page to take you to the next or previous page<br /> • Hover over bold words to view their definitions<br /> • Use the tabs at the bottom of the page to jump<br /> from section to section<br /> • Click on links in green. Your mouse will change to a<br /> pointer when a link is clickable<br /> Look for the icons below as you use this<br /> electronic guide:<br /> +<br /> Pop-up – Click this icon and additional information<br /> will pop up.<br /> Magnify – Click to magnify an area of the page. Scroll<br /> your mouse wheel away from you to zoom in or toward<br /> you to <a title="NYL_2016 Detailed e-Mag (AGENTS) page 1" href="http://viewer.zmags.com/publication/1b2bd8e8?page=1"> About this eGuide This interactive, online enro</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 2" href="http://viewer.zmags.com/publication/1b2bd8e8?page=2"> Welcome to your 2016 enrollment guide. We encoura</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 3" href="http://viewer.zmags.com/publication/1b2bd8e8?page=3"> Do you need an incentive to focus on your health?</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 4" href="http://viewer.zmags.com/publication/1b2bd8e8?page=4"> What’s inside 5 Learn about your options 40 Ho</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 5" href="http://viewer.zmags.com/publication/1b2bd8e8?page=5"> Learn about your options Eligibility To qualify</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 6" href="http://viewer.zmags.com/publication/1b2bd8e8?page=6"> Continuation coverage Medical and dental coverage</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 7" href="http://viewer.zmags.com/publication/1b2bd8e8?page=7"> FYC needed at year end to qualify for group plan </a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 8" href="http://viewer.zmags.com/publication/1b2bd8e8?page=8"> Coverage categories When you enroll in medical an</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 9" href="http://viewer.zmags.com/publication/1b2bd8e8?page=9"> Your medical options To help you navigate this s</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 10" href="http://viewer.zmags.com/publication/1b2bd8e8?page=10"> How your medical options work Both options cover </a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 11" href="http://viewer.zmags.com/publication/1b2bd8e8?page=11"> How do the out-of-pocket maximums work? + Summa</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 12" href="http://viewer.zmags.com/publication/1b2bd8e8?page=12"> How much the options cost The table below shows h</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 13" href="http://viewer.zmags.com/publication/1b2bd8e8?page=13"> Comparing the options Feature Active Health Optio</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 14" href="http://viewer.zmags.com/publication/1b2bd8e8?page=14"> Preventive care Preventive medical care focuses o</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 15" href="http://viewer.zmags.com/publication/1b2bd8e8?page=15"> Contributions to your HRA If you participate in t</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 16" href="http://viewer.zmags.com/publication/1b2bd8e8?page=16"> Focus on your health and get rewarded The best re</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 17" href="http://viewer.zmags.com/publication/1b2bd8e8?page=17"> We want to make it easier and more rewarding for </a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 18" href="http://viewer.zmags.com/publication/1b2bd8e8?page=18"> Activity Action Eligibility Health incentive doll</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 19" href="http://viewer.zmags.com/publication/1b2bd8e8?page=19"> Health management programs We recognize the healt</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 20" href="http://viewer.zmags.com/publication/1b2bd8e8?page=20"> Other health management programs include: • Aetna</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 21" href="http://viewer.zmags.com/publication/1b2bd8e8?page=21"> Your accounts To help you navigate this section </a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 22" href="http://viewer.zmags.com/publication/1b2bd8e8?page=22"> The accounts work a little differently and, depen</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 23" href="http://viewer.zmags.com/publication/1b2bd8e8?page=23"> Do funds roll over each year? How can I access </a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 24" href="http://viewer.zmags.com/publication/1b2bd8e8?page=24"> Health Reimbursement Account The Health Reimburse</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 25" href="http://viewer.zmags.com/publication/1b2bd8e8?page=25"> Flexible Spending Account for Health Care* The Fl</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 26" href="http://viewer.zmags.com/publication/1b2bd8e8?page=26"> The PayFlex System PayFlex administers the HRA an</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 27" href="http://viewer.zmags.com/publication/1b2bd8e8?page=27"> If you have an FSA for Health Care… The debit car</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 28" href="http://viewer.zmags.com/publication/1b2bd8e8?page=28"> Using the HRA and the FSA for Health Care If you </a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 29" href="http://viewer.zmags.com/publication/1b2bd8e8?page=29"> Meet Michael – he has an HRA and an FSA for Healt</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 30" href="http://viewer.zmags.com/publication/1b2bd8e8?page=30"> Let’s say Michael elects both the Active Health O</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 31" href="http://viewer.zmags.com/publication/1b2bd8e8?page=31"> Your prescription drug coverage If you enroll in</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 32" href="http://viewer.zmags.com/publication/1b2bd8e8?page=32"> Specialty drugs In general, specialty drugs are h</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 33" href="http://viewer.zmags.com/publication/1b2bd8e8?page=33"> For members with specific, chronic conditions inv</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 34" href="http://viewer.zmags.com/publication/1b2bd8e8?page=34"> Your dental options You have two dental coverage</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 35" href="http://viewer.zmags.com/publication/1b2bd8e8?page=35"> How much the options cost The table below shows h</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 36" href="http://viewer.zmags.com/publication/1b2bd8e8?page=36"> Your income protection options You have several </a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 37" href="http://viewer.zmags.com/publication/1b2bd8e8?page=37"> Contributory life insurance option If you qualify</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 38" href="http://viewer.zmags.com/publication/1b2bd8e8?page=38"> Long-term disability Long-term disability (LTD) c</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 39" href="http://viewer.zmags.com/publication/1b2bd8e8?page=39"> Keep in mind the following related to benefit dur</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 40" href="http://viewer.zmags.com/publication/1b2bd8e8?page=40"> How to enroll After choosing the coverage and c</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 41" href="http://viewer.zmags.com/publication/1b2bd8e8?page=41"> Terms to know Active Health Option A health plan</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 42" href="http://viewer.zmags.com/publication/1b2bd8e8?page=42"> Out-of-pocket maximum The most you will pay out o</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 43" href="http://viewer.zmags.com/publication/1b2bd8e8?page=43"> Resources and tools Enrollment resource Internet</a> <a title="NYL_2016 Detailed e-Mag (AGENTS) page 44" href="http://viewer.zmags.com/publication/1b2bd8e8?page=44"> Important information for you to know Important </a>