<br />
Your 2016 Benefits Guide<br />
Choose the coverage<br />
that’s right for you<br />
Coverage that’s right for you<br />
Each year, you have the<br />
opportunity to enroll for<br />
your health and welfare<br />
benefits. Take some time<br />
now to review all of the<br />
options available to you<br />
to ensure you have the<br />
benefits that best fit your<br />
needs next year.<br />
2<br />
Zurich is committed to offering a comprehensive and<br />
competitive benefits package to our employees, which is an<br />
essential element of Zurich’s total rewards. This means you<br />
have the opportunity to select the combination of coverage<br />
that fits the needs of you and your family.<br />
We know medical benefits are important to our employees<br />
and their families – and that’s why Zurich is committed to<br />
making it even easier – and more convenient – for you to<br />
manage your health and health care costs. In 2016, Zurich<br />
will continue to pa<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 1" href="http://viewer.zmags.com/publication/e5519faa?page=1"> Your 2016 Benefits Guide Choose the covera</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 2" href="http://viewer.zmags.com/publication/e5519faa?page=2"> Coverage that’s right for you Each year, you h</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 3" href="http://viewer.zmags.com/publication/e5519faa?page=3"> You must enroll To make sure you have the coverag</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 4" href="http://viewer.zmags.com/publication/e5519faa?page=4"> Read what you need Spend as much or as little ti</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 5" href="http://viewer.zmags.com/publication/e5519faa?page=5"> Zurich benefits info on the go View your 2016 Bene</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 6" href="http://viewer.zmags.com/publication/e5519faa?page=6"> Make your benefits work for you Enrolling for ben</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 7" href="http://viewer.zmags.com/publication/e5519faa?page=7"> Which dependents are eligible to be covered under</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 8" href="http://viewer.zmags.com/publication/e5519faa?page=8"> Your Medical Options We believe it’s important t</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 9" href="http://viewer.zmags.com/publication/e5519faa?page=9"> Find an in-network provider To find an in-network </a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 10" href="http://viewer.zmags.com/publication/e5519faa?page=10"> Medical Your Medical Options ChoiciceePPlul</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 11" href="http://viewer.zmags.com/publication/e5519faa?page=11"> Savings Tip Compare costs between your medical pr</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 12" href="http://viewer.zmags.com/publication/e5519faa?page=12"> Medical Out-of-area coverage is available If yo</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 13" href="http://viewer.zmags.com/publication/e5519faa?page=13"> RICK BEAM Head of Programs Transacti</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 14" href="http://viewer.zmags.com/publication/e5519faa?page=14"> Health Savings and Flexible Spending Accounts </a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 15" href="http://viewer.zmags.com/publication/e5519faa?page=15"> See the savings Here’s an example of the tax sav</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 16" href="http://viewer.zmags.com/publication/e5519faa?page=16"> Health Savings and Flexible Spending Accounts </a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 17" href="http://viewer.zmags.com/publication/e5519faa?page=17"> Both your contributions and the company contribut</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 18" href="http://viewer.zmags.com/publication/e5519faa?page=18"> Health Savings and Flexible Spending Accounts </a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 19" href="http://viewer.zmags.com/publication/e5519faa?page=19"> How the Dependent Care FSA works If you have chil</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 20" href="http://viewer.zmags.com/publication/e5519faa?page=20"> Employees like you Meet Tara AGE: 39 STATUS: Look</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 21" href="http://viewer.zmags.com/publication/e5519faa?page=21"> Choice Plus HSA Choice Max HSA Choice Pre</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 22" href="http://viewer.zmags.com/publication/e5519faa?page=22"> Choice If Jim chooses an in-n e e k cos</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 23" href="http://viewer.zmags.com/publication/e5519faa?page=23"> Max HSA: In-NeCthwoiocerkMax HSA etwork provid</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 24" href="http://viewer.zmags.com/publication/e5519faa?page=24"> Employees like you Do the math Savings Tip I</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 25" href="http://viewer.zmags.com/publication/e5519faa?page=25"> Your Health and Wellness Toolbox HealthFirst As p</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 26" href="http://viewer.zmags.com/publication/e5519faa?page=26"> Your health and wellness toolbox The HealthFirs</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 27" href="http://viewer.zmags.com/publication/e5519faa?page=27"> “I think it’s great that Zurich offers us </a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 28" href="http://viewer.zmags.com/publication/e5519faa?page=28"> Your health and wellness toolbox Specialty Su</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 29" href="http://viewer.zmags.com/publication/e5519faa?page=29"> Real Appeal Real Appeal helps you get on the fast</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 30" href="http://viewer.zmags.com/publication/e5519faa?page=30"> Vision Zurich’s vision plan offers the convenie</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 31" href="http://viewer.zmags.com/publication/e5519faa?page=31"> Save time and hassle! Order the contacts you need</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 32" href="http://viewer.zmags.com/publication/e5519faa?page=32"> Your Dental Options Good dental care plays an i</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 33" href="http://viewer.zmags.com/publication/e5519faa?page=33"> Dental PPO Dental DMO (if available i</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 34" href="http://viewer.zmags.com/publication/e5519faa?page=34"> Life and Disability To help you protect your in</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 35" href="http://viewer.zmags.com/publication/e5519faa?page=35"> Accidental death & dismemberment benefits Accident</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 36" href="http://viewer.zmags.com/publication/e5519faa?page=36"> Life and Disability Life insurance Zurich pays </a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 37" href="http://viewer.zmags.com/publication/e5519faa?page=37"> Business travel accident benefits Zurich pays the </a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 38" href="http://viewer.zmags.com/publication/e5519faa?page=38"> Work/Life Balance Paid Time Off (PTO) You earn </a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 39" href="http://viewer.zmags.com/publication/e5519faa?page=39"> Adoption Assistance Zurich provides an adoption b</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 40" href="http://viewer.zmags.com/publication/e5519faa?page=40"> Retirement Program Zurich is committed to helpi</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 41" href="http://viewer.zmags.com/publication/e5519faa?page=41"> Savings Tip Maximize your Zurich Savings Plan. C</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 42" href="http://viewer.zmags.com/publication/e5519faa?page=42"> Retirement Program How your pay credit is dete</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 43" href="http://viewer.zmags.com/publication/e5519faa?page=43"> Tools you can use Vanguard – Zurich Savings Plan</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 44" href="http://viewer.zmags.com/publication/e5519faa?page=44"> Contact Information If you have questions about</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 45" href="http://viewer.zmags.com/publication/e5519faa?page=45"> For questions about... Cont</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 46" href="http://viewer.zmags.com/publication/e5519faa?page=46"> Important Notices Women’s Health and Cancer Rig</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 47" href="http://viewer.zmags.com/publication/e5519faa?page=47"> Premium Assistance Under Med</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 48" href="http://viewer.zmags.com/publication/e5519faa?page=48"> Important notices If you live in one of the fo</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 49" href="http://viewer.zmags.com/publication/e5519faa?page=49"> NEW JERSEY – Medicaid and CHIP Medicaid Website: </a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 50" href="http://viewer.zmags.com/publication/e5519faa?page=50"> Important notices Important Notice from Zurich</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 51" href="http://viewer.zmags.com/publication/e5519faa?page=51"> When Can You Join A Medicare Drug Plan? You can j</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 52" href="http://viewer.zmags.com/publication/e5519faa?page=52"> Important notices When Will You Pay A Higher P</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 53" href="http://viewer.zmags.com/publication/e5519faa?page=53"> For More Information About Your Options Under Med</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 54" href="http://viewer.zmags.com/publication/e5519faa?page=54"> 2016 Employee Benefit Contributions The chart</a>
<a title="Zurich 2016 Benefits Guide_final_updated 2-17-16 page 55" href="http://viewer.zmags.com/publication/e5519faa?page=55"> Flexible Spending Accounts – pretax </a>