2009
Health and Welfare Benefits
New Hire Enrollment Guide
benefits.fedexkinkos.com
E xp l o r e You r Tot a l R e w a r d s
DEAR FEDEX OFFICE TEAM MEMBER,
Your opportunity to enroll in FedEx Office Health & Welfare Plans begins 60 days before, and ends
on, your benefits effective date. You are eligible for benefits on the first of the month following three
months of continuous, uninterrupted full-time service. Please be aware that FedEx Office Health & Welfare
Plans operate on a pre-tax basis, which requires strict adherence to IRS regulations. If you miss your enrollment
deadline, the IRS will not allow FedEx Office to make an exception for you.
During your benefits election window, you have the chance to make choices regarding the FedEx Office Health
& Welfare Plans. You’ll want to make sure those choices are right for you and your family. Before you make
your benefit elections, take some time to consider your needs. Review the types of medical services and
benefits that are most important to you, and prioritize them.
For example, some team members may want the lowest amount possible deducted from their paycheck
while making sure they are still covered for catastrophic illnesses. For others, protection against all medical
expenses in addition to catastrophes are important, even though it may be more expensive. FedEx Office offers
healthcare plans that address all of these needs.
If you are a first-time benefits eligible team member and do not want medical, dental or vision coverage, no
action is necessary. If you do not enroll on or before your benefits effective date, you will not have medical,
dental or vision coverage through FedEx Office. You will be automatically covered by FedEx Office Basic Life
Insurance, Short- and Long-term Disability Plans and the Employee Assistance Program. If you do not enroll
during your enrollment period, you are only eligible to change your benefits during the next Annual Open
Enrollment period or within 31 days of a qualifying event.
If you are returning to full-time FedEx Office employment, please review the “Qualifying Events “in the 2009
Health & Welfare Summary Plan Description folder in the Benefits Library at benefits.fedexkinkos.com
for extremely important benefit information. Based on the timing of your rehire and the length of time you
were away from FedEx Office, it may be necessary for you to re-elect benefits to avoid being left without
coverage. You can also call the FedEx Office Benefit Service Center toll-free at 1.866.866.9050 for assistance
in determining your status.
FedEx Office benefits plan enrollment must be completed via benefits.fedexkinkos.com on or before your
benefits eligibility date. The Benefits Service Center staff is available toll free at 1.866.866.9050 8:00 am –
5:00pm CST to provide personal guidance on the Web-based system. If you do not have Web access at home,
you will be allowed to use a branch PC to complete the enrollment process on or before your deadline.
Note: The FedEx Office web enrollment is not compatible with the Macintosh system.
When you visit benefits.fedexkinkos.com, you’ll see many items that will help you learn more about the
benefits package available to you. FedEx Office spends over $65 million annually on Health & Welfare
benefits. Please take the time to understand your options and make the best choices for you and your family.
Best regards,
FedEx Office Benefits Department
Remember, FedEx Office Plans operate on a pre-tax basis, which requires strict adherence to IRS regulations. If you miss
the enrollment deadline, the IRS will not allow FedEx Office to make an exception for you.
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2009 BENEFITS EFFECTIVE DATE MATRIX
FedEx Office
FT Employment Hire Date
(This is the date you began
working as a full-time team
member for FedEx Office)
Election Window
Benefit
Effective Date
(This is the period of time in which (This is the date your benefits will
begin, providing full-time employment
you can go online and begin
has not been interrupted)
making your benefit elections)
September 2, 2008 - October 1, 2008
November 2, 2008 - January 2, 2009
January 1, 2009
October 2, 2008 - November 1, 2008
December 3, 2008 - February 2, 2009
February 1, 2009
November 2, 2008 - December 1, 2008
December 31, 2008 - March 2, 2009
March 1, 2009
December 2, 2008 - January 1, 2009
January 31, 2009 - April 1, 2009
April 1, 2009
January 2, 2009 - February 1, 2009
March 2, 2009 - May 1, 2009
May 1, 2009
February 2, 2009 - March 1, 2009
April 2, 2009 – June 1, 2009
June 1, 2009
March 2, 2009 - April 1, 2009
May 2, 2009 – July 1, 2009
July 1, 2009
April 2, 2009 - May 1, 2009
June 2, 2009 - August 3, 2009
August 1, 2009
May 2, 2009 - June 1, 2009
July 3, 2009 – September 1, 2009
September 1, 2009
June 2, 2009 - July 1, 2009
August 2, 2009 - October 1, 2009
October 1, 2009
July 2, 2009 - August 1, 2009
September 2, 2009 - November 2, 2009
November 1, 2009
August 2, 2009 - September 1, 2009
October 2, 2009 - December 1, 2009
December 1, 2009
Note: Assumes completion of three continuous months of FT employment. Benefit Election Window begins 60 days prior
to Benefits Effective Date. If Benefits Effective Date falls on a weekend or a holiday, election window is extended to the
first following business day.
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NEW HIRE ENROLLMENT TIPS
Follow these steps to make sure you elect the benefits you want and need for 2009:
1. Review your choices carefully. Read this guide to learn about the benefit plans and enrollment options.
Take advantage of the information and provider links available to do more in-depth research. Use the
on-line Decision Tools available at benefits.fedexkinkos.com to help you choose the best options for
you and your family.
2. Decide what you want. It is very important that you review your options and make election decisions
before you actually enroll. This will help you choose the best options for you and your family.
3. Follow these enrollment steps:
a. Logon to benefits.fedexkinkos.com
b. Sign in using your KID (or SSN) and PIN (month and day of your birth in “mmdd” format – unless you
previously changed your PIN.) Contact the Benefits Service Center at 1.866.866.9050, option 0, for
PIN assistance
c. Review your Personal Information
d. Generate your 2009 Personalized Enrollment Worksheet
e. Review/Update your list of dependents
f. Designate your Plan Elections for 2009
g. Update your beneficiaries
4. Review your 2009 Elections carefully. On the Summary page you can review your elections. If you are
not satisfied with your elections or changes, you may make any corrections before the enrollment deadline.
5. Print your 2009 Election Summary. Print out a copy of the Summary page for your records. After your
enrollment window closess, the Benefits Department will mail you a Confirmation Statement. When you
receive this statement, compare your Summary page to your official Confirmation Statement and contact
the Benefits Service Center at 1.866.866.9050, option 0, immediately if you notice any discrepancies.
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HOW TO BE AN ACTIVE HEALTHCARE CONSUMER
You share the cost of benefits with FedEx Office, so any savings we can create will not only help the company,
but will also help you! Savings help us reduce the need for future cost increases or benefit changes. We can’t
reverse the trend of rising healthcare costs, but there are some things each of us can do to help keep costs
manageable.
The best way to curb healthcare costs is to make healthy life choices!
What Can You Do To Improve Your Health?
• Eat right. Invest the time and effort to make healthy choices at home and when you are dining out.
• Exercise. It’s cheaper to spend $50 a year on a pair of walking shoes than $57,000 on heart bypass surgery.
• Get sufficient rest. Studies show fatigue contributes to many accidents and lowers your resistance to disease.
• Get immunized. Like the shoes, it’s much cheaper to get shots than it is to treat the conditions they prevent.
• Quit smoking. It’s tough…we all know that. It may help to consider the costs – once you are smoke free for
five years, you will have more than $6,000 that you didn’t spend on a pack a day during that time. Learn
more about the Smoking Cessation benefit by visiting benefits.fedexkinkos.com.
• Get a physical. This may help you detect problems early and get treatment sooner.
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HEALTH EXAMINATION CHECKLIST
The checklist combines screening information from the Mayo Clinic and the U.S. Department of Health and
Human Services. Screening tests can find diseases early when they are easier to treat. This timetable is a
general recommendation, only. A preventative health plan should also include talking to your doctor about
alcohol and drug use, smoking cessation, nutrition, exercise and mental health.
Men
Screening
Beginning Age
Women
Beginning Age
How often
How often
Blood Pressure
18 years
Every 2 years
18 years
Every 2 years
Cholesterol Levels
20 years
Every 5 years
20 years
Every 5 years
Colon Examination
50 years (possibly earlier if a family
history is present)
Every 5 years
50 years (possibly earlier if a family
history is present)
Every 5 years
Clinical Breast
Examination
20 to 39 years
40 years and older
Every 3 years
Yearly
Breast Self Examination
20 years
Monthly
Mammogram
40 years and older (or earlier if at high
risk-eg. Family history of breast cancer)
Every year
Pap Smear
21 years (or earlier if sexually active)
Every 1 to 3 years
(can discontinue after
age 70)
Prostate Examination
50 years (possibly earlier if a family
history is present)
Yearly
Testicular Examination
15 years
Monthly
Skin Examination
20 years
Yearly
20 years
Yearly
Dental Examination
18 years
Yearly
18 years
Yearly
Eye Examination
18 years
At least once between 18
and 39; Every 2 to 4 years
between 40 and 64; every
1 to 2 years after age 65
18 years
At least once between
18 and 39; Every 2 to
4 years between 40
and 64; every 1 to 2
years after age 65
Menopause
As directed by
your doctor
Bone Density
Measurement
Diabetes
45 years (or earlier if overweight and
have additional risk factors such as
pre-diabetes, high blood pressure, high
cholesterol, vascular disease, physically
inactive, or a family history of diabetes.
Higher risk ethnic groups such as
African Americans, Latinos, native
Americans, Asian Americans, or Pacific
Islanders should also be screened
before age 45.)
Every 3 years (higher risk
individuals should be
screened more frequently)
45 years (or earlier if overweight and
have additional risk factors such as
pre-diabetes, high blood pressure, high
cholesterol, vascular disease, physically
inactive, gestational diabetes, delivery
of a baby weighing more than 9 pounds,
or a family history of diabetes. Higher
risk ethnic groups such as African
Americans, Latinos, native Americans,
Asian Americans, or Pacific Islanders
should also be screened before age 45.)
Every 3 years (higher risk
individuals should be
screened more frequently)
Weight
18 years
Every 6 months
18 years
Every 6 months
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2009 MEDICAL PLAN COSTS PER MONTH
The following chart demonstrates the team member contributions for the various Health & Welfare Plans for 2009.
SUMMARY OF 2009 HEALTH PLAN COSTS PER MONTH
2009 Plan Option
Medical Plan
Orange Plan
Medical Plan
Blue Plan
Medical Plan
Purple Plan
Dental Plan
PPO Dental
Dental Plan
Dental Assistance
Vision Plan
Vision Service Plan (VSP)
Tier Option
2009 TM
contribution
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$ 39.02
$108.74
$ 98.38
$131.77
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$ 68.01
$142.82
$129.22
$191.01
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$100.75
$211.56
$191.42
$289.21
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$19.64
$33.71
$33.37
$46.20
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$ 6.90
$17.58
$14.39
$24.78
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$10.33
$14.65
$14.09
$27.15
*Hawaii team members are provided with medical, dental and vision care under a separate health insurance policy as
mandated by State law.
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2009 PLAN OPTIONS
All Eligible Participants
FedEx Office provides Basic Life Insurance, Short- and Long-term Disability Insurance and an Employee
Assistance Program at no cost to all full-time benefit eligible team members. To maintain full-time status,
team members must consistently work 32 hours per week.
The following describes the FedEx Office Health & Welfare Plan options. The Plans available to you will be
contained on your personalized enrollment worksheet, which can be generated at benefits.fedexkinkos.com.
Be sure to carefully check your worksheet and review your Plan costs.
MEDICAL PLAN OPTIONS
No Medical Coverage
You can opt-out of medical coverage, and still elect dental or vision coverage and/or Supplemental Life Insurance
for yourself and your eligible dependents. If you opt out of FedEx Office medical plans you will still have Basic
Life Insurance and Short- and Long-term Disability Insurance. In addition, you can elect to participate in the
Healthcare Reimbursement Account and/or the Dependent Care Assistance Program.
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MEDICAL PLAN OPTIONS (continued)
Orange Medical Plan
This Plan provides medical and prescription drug coverage. The team member contribution (payroll deduction)
on this Plan is less than the contribution on the Blue Plan, but the deductible and out-of-pocket limit is
significantly higher. This Plan encourages the use of PPO (Preferred Provider Organization) providers but will
allow you to see any doctor. Your reimbursement level drops from 70% to 50% of UCR (Usual, Customary &
Reasonable charges) if you do not use a PPO provider. Certain ‘Special Medical Benefits’ are paid before the
annual deductible is applied (see the Schedule of Benefits for the Orange Medical Plan section of the 2009
Summary Plan Description for a complete list). There is also no reimbursement for medical expenses over
UCR amounts. Please note, you may want to consider taking advantage of the HCRA program, using pre-tax
dollars to pay for eligible medical expenses incurred. See the Flexible Spending Account section of this
document for more details.
Monthly Team Member Contributions
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$39.02
$108.74
$98.38
$131.77
This is the amount withheld from your check on a monthly basis
to pay your portion of the premium for this level of coverage.
Prescription Coverage
Generic Prescriptions
50%
Preferred/Non-Preferred
Brand Prescriptions
50%
Specialty Prescriptions
50%
Special Medical Benefits
PPO Office Visit
$30
PCP/$60
Specialist
This is the percentage you have to pay for prescription medications
at a participating pharmacy (up to a maximum per prescription).
• Generic - $10 Maximum
• Brand - $70 Maximum
• Specialty - $250 Maximum
This benefit is payable before the deductible is satisfied
Certain Medical expenses, such as PPO office visits, Routine
Cancer Screenings and Well Baby Care are paid before the
annual deductible has been satisfied (100% up to $500 with
co-pay, then subject to deductible and co-insurance)
Non-PPO
$1,000
This is the amount you must pay in addition to
$2,000
your team member contribution before certain
$2,000
medical benefits will be paid.
$2,000
Annual Deductible
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
Emergency Room Co-pay
Per Incident
PPO
$1,000
$2,000
$2,000
$2,000
$200
This is waived if admitted to hospital.
Schedule of Payment
All Participants
PPO
70%
Non-PPO
50%
Annual Out-of-Pocket Maximum
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
PPO
$4,500
$9,000
$9,000
$9,000
Non-PPO
$6,000
$12,000
$12,000
$12,000
This is the percentage of most covered expenses
the Plan will pay after you have satisfied your
deductible; you are responsible for the balance.
You pay less when using a PPO provider.
This is the amount, in addition to your co-pays
that you would pay before benefits would begin
to pay 100% of UCR charges.
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MEDICAL PLAN OPTIONS (continued)
Blue Medical Plan
This Plan provides medical and prescription drug coverage. The team member contribution (payroll deduction)
on this Plan is more than the contribution on the Orange Plan, but the deductible and out-of-pocket limit is
significantly lower. This Plan encourages the use of PPO (Preferred Provider Organization) providers but will
allow you to see any doctor. Your reimbursement level drops from 80% to 60% of UCR (Usual, Customary &
Reasonable charges) if you do not use a PPO provider. Certain ‘Special Medical Benefits’ are paid before the
annual deductible is applied (see the Schedule of Benefits for the Blue Medical Plan section of the 2009
Summary Plan Description for a complete list). There is no reimbursement for medical expenses over UCR
amounts.Please note, you may want to consider taking advantage of the HCRA program, using pre-tax dollars
to pay for eligible medical expenses incurred. See the Flexible Spending Account section of this document
for more details.
Monthly Team Member Contributions
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$68.01
$142.82
$129.22
$191.01
This is the amount withheld from your check on a monthly basis
to pay your portion of the premium for this level of coverage.
Prescription Coverage
Generic Prescriptions
50%
Preferred/Non-Preferred
Brand Prescriptions
50%
Specialty Prescriptions
50%
Special Medical Benefits
PPO Office Visit
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This is the percentage you have to pay for prescription medications
at a participating pharmacy (up to a maximum per prescription).
• Generic - $10 Maximum
• Brand - $70 Maximum
• Specialty - $250 Maximum
This benefit is payable before the deductible is satisfied
Annual Deductible
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
Emergency Room Co-pay
Per Incident
PPO
$600
$1,200
$1,200
$1,200
Certain Medical expenses, such as PPO office visits, Routine
Cancer Screenings and Well Baby Care are paid before the
annual deductible has been satisfied (100% up to $500 with
co-pay, then subject to deductible and co-insurance)
Non-PPO
$600
This is the amount you must pay in addition to
$1,200
your team member contribution before certain
$1,200
medical benefits will be paid.
$1,200
$200
This is waived if admitted to hospital.
Schedule of Payment
All Participants
PPO
80%
Non-PPO
60%
Annual Out-of-Pocket Maximum
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
PPO
$3,500
$7,000
$7,000
$7,000
Non-PPO
$5,000
$10,000
$10,000
$10,000
$25
PCP/$50
Specialist
This is the percentage of most covered expenses
the Plan will pay after you have satisfied your
deductible; you are responsible for the balance.
You pay less when using a PPO provider.
This is the amount, in addition to your co-pays
that you would pay before benefits would begin
to pay 100% of UCR charges.
MEDICAL PLAN OPTIONS (continued)
Purple Medical Plan
This Plan provides medical and prescription drug coverage. The team member contribution (payroll deduction)
on this Plan is more than the contribution on the Blue Plan, but the deductible and out-of-pocket limit is
significantly lower. This Plan encourages the use of PPO (Preferred Provider Organization) providers but will
allow you to see any doctor. Your reimbursement level drops from 90% to 70% of UCR (Usual, Customary
& Reasonable charges) if you do not use a PPO provider. Certain ‘Special Medical Benefits’ are paid before
the annual deductible is applied (see the Schedule of Benefits for the Purple Medical Plan section of the 2009
Summary Plan Description for a complete list). There is no reimbursement for medical expenses over UCR
amounts. Please note, you may want to consider taking advantage of the HCRA program, using pre-tax
dollars to pay for eligible medical expenses incurred. See the Flexible Spending Account section of this
document for more details.
Monthly Team Member Contributions
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$100.75
$211.56
$191.42
$289.21
This is the amount withheld from your check on a monthly basis
to pay your portion of the premium for this level of coverage.
Prescription Coverage
Generic Prescriptions
50%
Preferred/Non-Preferred
Brand Prescriptions
50%
Specialty Prescriptions
50%
Special Medical Benefits
PPO Office Visit
This is the percentage you have to pay for prescription medications
at a participating pharmacy (up to a maximum per prescription).
• Generic - $10 Maximum
• Brand - $70 Maximum
• Specialty - $250 Maximum
This benefit is payable before the deductible is satisfied
Annual Deductible
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
Emergency Room Co-pay
Per Incident
PPO
$300
$600
$600
$600
Certain Medical expenses, such as PPO office visits, Routine
Cancer Screenings and Well Baby Care are paid before the
annual deductible has been satisfied (100% up to $500 with
co-pay, then subject to deductible and co-insurance)
Non-PPO
$300
This is the amount you must pay in addition to
$600
your team member contribution before certain
$600
medical benefits will be paid.
$600
$200
This is waived if admitted to hospital.
Schedule of Payment
All Participants
PPO
90%
Non-PPO
70%
Annual Out-of-Pocket Maximum
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
PPO
$1,500
$3,000
$3,000
$3,000
Non-PPO
$3,000
$6,000
$6,000
$6,000
$20
PCP/$40
Specialist
This is the percentage of most covered expenses
the Plan will pay after you have satisfied your
deductible; you are responsible for the balance.
You pay less when using a PPO provider.
This is the amount, in addition to your co-pays
that you would pay before benefits would begin
to pay 100% of UCR charges.
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MEDICAL PLAN COMPARISON
Please use the space provided to calculate
which of the new medical plans may be the
best fit for your 2009 healthcare needs.
Please use the examples below as a guide
for your calculations.
Co-pay (primary care physician/specialist)
Deductible (team member/family)
Orange Plan
Blue Plan
Purple Plan
$30 / $60
$25 / $50
$20 / $40
$_____________
$_____________
$_____________
$1,000 / $2,000
$600 / $1,200
$300 / $600
$_____________
$_____________
$_____________
Co-insurance (employer % covered)
70%
80%
90%
$_____________
$_____________
$_____________
$4,500 / $9,000
$3,500 / $7,000
$1,500 / $3,000
Annual premiums
$_____________
$_____________
$_____________
Total (add your Co-pay, deductible,
co-insurance and annual premiums)
$_____________
$_____________
$_____________
Out-of-pocket limit (team member/family)
John decides to cover his family (John, his wife, and son) under the new FedEx
Office medical plans. During the plan year, John and his family do not incur any
medical claims other than three visits to their network primary care physician
(PCP), each of which was under $500/visit. Which new FedEx Office medical
plan offers John the most cost effective medical plan option?
Orange Plan Calculation –
• Co-pay - $90 ($30 for Primary Care Physician visit X 3 total visits); team member is only
charged a co-pay if total allowable charges are under $500 for an office visit
• Deductible - $0
• Co-insurance - $0
• Annual Premiums - $1,581.24
– $131.77 (Orange Plan Team Member and Family monthly coverage) multiplied by 12 months
Joy elects to cover herself and her husband under the new FedEx Office medical
plans. During the plan year, Joy and her husband both have one visit each to
their allergist (each under $500/visit) and Joy undergoes hip replacement surgery
at a network facility (assume allowable charges of $5,000). Which new FedEx
Office medical plan offers Joy the most cost effective medical plan option?
Blue Plan Calculation –
• Co-pay - $100 ($50 for Specialist visit X 2 total visits); team member is only charged a co-pay
if total charges are under $500
• Deductible - $600 is the deductible for the Blue Plan
• Co-insurance - $880
– $5,000 allowable charges - $600 deductible = $4,400 remaining allowable charges
– $4,400 remaining allowable charges; 80% covered by insurance ($3,520), 20% covered by
team member ($880)
• Annual Premiums - $1,713.84
– $142.82 (Blue Plan Team Member and Spouse/DP monthly coverage) multiplied by 12 months
Jeff decides to elect team member only coverage under the new FedEx Office
medical plans. During the plan year, Jeff has a minor heart procedure at the
local network hospital (assume allowable charges of $20,000). Which new
FedEx Office medical plan offers Jeff the most cost effective option?
Purple Plan Calculation –
• Co-pay - $0 (no office visits)
• Deductible - $300 is the deductible for the Purple Plan
• Co-insurance - $1,200
– $20,000 allowable charges - $300 deductible = $19,700 remaining allowable charges
– $19,700 remaining allowable charges; 90% covered by insurance ($17,730), 10% covered
by team member ($1,970)
– $1,970 co-insurance reduced to $1,200 as $300 plus the $1,200 co-insurance equals the
out of pocket limit for the Purple Plan of $1,500
• Annual Premiums - $1,209.00
– $100.75 (Purple Plan Team Member Only monthly coverage) multiplied by 12 months
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Orange Plan
Blue Plan
Purple Plan
3 PCP Office
Visits X $30
co-pay = $90
3 PCP Office
Visits X $25
co-pay = $75
3 PCP Office
Visits X $20
co-pay = $60
Deductible paid
$0
$0
$0
Co-insurance paid
$0
$0
$0
Annual premiums
$1,581.24
$2,292.12
$3,470.52
Total team
member cost
$1,671.24
$2,367.12
$3,530.52
Orange Plan
Blue Plan
Purple Plan
2 Specialist
Office Visits X $60
co-pay = $120
2 Specialist
Office Visits X $50
co-pay = $100
2 Specialist
Office Visits X $40
co-pay = $80
Deductible paid
$1,000
$600
$300
Co-insurance paid
$1,200
$880
$470
Annual premiums
$1,304.88
$1,713.84
$2,538.72
Total team
member cost
$3,624.88
$3,293.84
$3,388.72
Orange Plan
Blue Plan
Purple Plan
No Office Visits
No Office Visits
No Office Visits
Deductible paid
$1,000
$600
$300
Co-insurance paid
$3,500
$2,900
$1,200
Annual premiums
$468.24
$816.12
$1,209
Total team
member cost
$4,968.24
$4,316.12
$2,709
Co-pay paid
Co-pay paid
Co-pay paid
DENTAL PLAN OPTIONS
PPO Dental Plan
This Plan offers comprehensive dental coverage for you and your eligible dependents. The team member
contribution (payroll deduction) on this Plan is more than the contribution on the Dental Assistance Plan, but
pays for services based on co-insurance vs. fixed amounts. This Plan encourages the use of PPO (Preferred
Provider Organization) providers but will allow you and your enrolled dependents to see any doctor. Additional
discounts are offered by PPO providers. Preventative Services are paid at 100% and are payable before your
deductible has been satisfied. There is no reimbursement for routine and major dental expenses until the
annual deductible has been satisfied. There is also no reimbursement for dental expenses over UCR amounts.
Monthly Team Member Contributions
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$19.64
$33.71
$33.37
$46.20
This is the amount withheld from your check on a monthly basis
to pay your portion of the premium for this level of coverage.
$100
$150
$150
$150
This is the amount you must pay in addition to your team member
contribution before certain dental benefits will be paid.
100%
80%
50%
Preventative Services such as routine examinations,
cleanings of teeth, x-rays, etc. are covered before the
deductible is applied.
$1,500
This maximum resets each calendar year.
$2,000
This is a lifetime maximum per individual.
Deductible
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
Schedule of Payment
Preventative Services
Routine Services
Major Services
Annual Maximum
Per individual
Orthodontia Maximum
Per individual
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DENTAL PLAN OPTIONS (continued)
Dental Assistance Plan
This Plan utilizes the same network of dentists as the PPO Dental plan. You and your eligible dependents are
free to go to the dentist of your choice, but PPO dentists will offer you discounted rates. The Dental Assistance
Plan “assists” in making the payment to your dentist. The rates for this Plan are significantly lower than rates
for the PPO Dental Plan, but the coverage is not as comprehensive. Payments by the Plan are fixed at a set
amount and cannot be changed so therefore, you can significantly reduce your out of pocket expense under
this plan by utilizing PPO network dentists. For example, the payment for an adult standard filling is $31.00.
This is the total amount that the Plan will pay. If you go to see a participating PPO dentist and are charged
$60 for the filling, the Plan will pay $31.00 and you will be responsible for the $29.00 difference. If you go to
see a non-participating dentist and are charged $90.00 for the filling, the Plan will again pay $31.00 and you
will be responsible for the $59.00 difference.
Monthly Team Member Contributions
Team member only
$6.90
Team member and spouse/DP
$17.58
Team member and child(ren)
$14.39
Team member and family
$24.78
This is the amount withheld from your check on a monthly basis
to pay your portion of the premium for this level of coverage.
Deductible
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$50
$100
$100
$150
This is the amount you must pay in addition to your team member
contribution before certain dental benefits will be paid.
Annual Maximum
Per individual
$1,000
This maximum resets each calendar year.
$1,000
This is a lifetime maximum per individual.
Orthodontia Maximum
Per individual
The amount the plan pays for each procedure is predetermined, regardless of the amount your dentist actually
charges. You will be responsible for the difference. You can go to any dentist, but if you visit PPO dentists, you will
access discounted rates and have fewer out-of-pocket expenses. Refer to the 2009 Summary Plan Description at
benefits.fedexkinkos.com for the complete schedule of benefits.
VISION PLAN OPTION
Services are provided via the Vision Service Plan, which utilizes a national network of preferred providers.
Non-network provider charges are reimbursed at scheduled rates. This Plan covers an eye exam and lenses
every twelve months and frames every twenty-four months. Contact lenses are also available.
Monthly Team Member Contributions
Team member only
Team member and spouse/DP
Team member and child(ren)
Team member and family
$10.33
$14.65
$14.09
$27.15
This is the amount withheld from your check on a monthly basis
to pay your portion of the premium for this level of coverage.
There is a $10 co-payment when receiving an eye exam at a Vision Service Plan (VSP) provider, and up to a $45
reimbursement when visiting a non-VSP provider. Refer to the 2009 Summary Plan Description at benefits.fedexkinkos.com
for the complete schedule of benefits.
13
SUPPLEMENTAL LIFE INSURANCE
• You can purchase team member Supplemental Life Insurance up to five times your basic annual earnings,
not to exceed a maximum of $500,000.
• Spousal and Domestic Partner coverage may be purchased in an amount not to exceed $100,000, or 50%
of the amount of your total life insurance, whichever is less.
• Dependent child or children of your Domestic Partner coverage of $5,000 or $10,000 may be purchased.
• You cannot be insured as both a team member and dependent under the policy, nor can a child be covered
as a dependent of more than one team member.
• Rates are contained in the Supplemental Life Insurance Benefits section of the Benefits Library.
An Evidence of Insurability form may be required.
FLEXIBLE SPENDING ACCOUNTS
Healthcare Reimbursement Account and Dependent Care Assistance Program
• You can choose to pay for out-of-pocket health expenses, childcare or eldercare with pre-tax dollars.
• Estimate your contributions carefully. Under IRS rules, this is a “use it or lose it” plan, which means any
funds remaining in your account at year-end are forfeited back to the plan.
• Contributions are made through payroll deductions.
• Direct Deposit is available.
Additional details on HCRA and DCAP are available in the Summary Plan Description located at
benefits.fedexkinkos.com.
Plan Feature
Healthcare Reimbursement Account
Dependent Care Assistance Program
You can contribute…
Up to $5000
Up to $5000
To pay for…
Health related expenses, such as:
• Fees like deductibles, co-pays, co-insurance
and charges that exceed Reasonable &
Customary limits
• Services that are not covered or are limited
by the plan like prescription out-of-pocket
maximums, chiropractor visits, orthodontia,
LASIK surgery, physical therapy and mental
health care
• Products like contact lens solutions, hearing
aids and some over-the-counter medications
Out-of-pocket care expenses for your
children under age 13 and for your
mentally or physically disabled dependents
of any age such as:
• Daycare centers or in-home care
provided by someone who is not your
child and who you do not claim as a
tax dependent
• Preschool expenses for children not yet
in kindergarten or a higher grade
• Day camp expenses (but not
overnight camp)
Qualifying expenses
must be…
• Incurred between January 1, 2009 and
December 31, 2009
• Incurred by you or anyone you claim as a
dependent on your tax return
• Medically necessary
• Not reimbursable under any other plan
• Considered tax-deductible by the IRS
• Submitted by March 31st of the
following year
• Incurred between January 1, 2009 and
December 31, 2009
• Incurred by you
• Necessary so you can work and, if you
are married:
• Necessary so your spouse can work
or attend school full-time, or
• Necessary to care for your mentally
or physically disabled spouse
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VOLUNTARY PROGRAMS
Aflac
The Personal Cancer Indemnity Plan provides additional coverage in the event you or your eligible dependents
have been diagnosed with cancer. Aflac helps provide an important safety net in fighting the financial
consequences of cancer that result beyond traditional health insurance. The Personal Cancer Indemnity Plan
pays benefits directly to you, unless assigned, for services such as:
• Radiation and Chemotherapy
• Hospital Confinement
• Medical Imaging
• Cancer Screening Wellness
• Plus…much more
Enroll in the Personal Cancer Indemnity Plan at www.fedexkinkos-aflac.com from November 3 –
November 14, 2008. This election will be effective January 1 – December 31, 2009. For additional
information, please contact Aflac at 1.800.632.4520.
MetLife
MetLife offers several voluntary benefits to you and your eligible dependents:
Benefit
Enrollment Period
Effective Date
11/03/08-11/14/08
1/1/09 – 12/31/09
Auto and Home Insurance
Year round
Varies
Banking Services
Year round
Varies
Veterinary Pet Insurance
Year round
Varies
MetDESK
Year round
Varies
Long Term Care
Year Round
Varies
Group Legal Services Plan
• Benefits available such as:
– Simple wills and living wills
– Name changes
– Domestic Partner agreements
– Separation and Divorce
– Adoption and guardianship
– Eviction defense
– Document preparation
– Real estate transactions
– Debt collection defense
– Identity theft
– Pre-nuptial agreements
If you need a service that’s not
covered, you can use a Plan attorney
and receive a discounted rate.
• For additional information regarding the MetLife plans visit www.metlife.com/mybenefits or
call 1.800.438.6388
15
ADDITIONAL BENEFITS
Basic Life Insurance
Basic Life Insurance costs you nothing! It is fully paid by FedEx Office. Regular, full-time team members are
provided with life insurance equal to two times base annual salary (as of the first day of the current month),
to a maximum of $300,000. The minimum amount of coverage provided is $50,000.
Short-term Disability
Benefits are 60% of weekly pay to a maximum of $1,000 per week for up to 12 weeks. Coverage begins on
the eighth consecutive day of disability.
Long-term Disability
Benefits are 60% of monthly pay, up to a maximum of $10,000/month. Coverage begins at the end of the
short-term disability period. Maximum benefit period is based on years of service.
Employee Assistance Program (EAP)
Team members & eligible dependents can receive up to five free confidential counseling sessions per incident.
Licensed counselors can address issues such as emotional well-being, personal finances, addiction and recovery,
legal matters, and work-related concerns.
Adoption Benefit
Team Members can receive reimbursement up to $5000 for eligible Adoption related expenses every two years.
Scholarship Programs
Scholarship Programs are established to assist and encourage the education of team members as well as
qualified children, legally dependent stepchildren, and wards of our team members.
Educational Assistance Program
This Plan offers a tuition reimbursement program to help facilitate the professional development of our
team members.
Commuter Benefits
A Commuter Spending Account (CSA) is an employee benefit program that allows you to set aside money on
a pre-tax basis to pay for certain transit and parking expenses you incur traveling to and from work. With a
CSA, you save on taxes while you pay for eligible expenses.
Business Travel Accident Insurance
Team members are covered under an Accidental Death & Dismemberment Policy (up to $100,000) as long as
the accident that causes the covered loss occurs while working or while on authorized travel away from your
place of regular employment.
Corporate Perks
For additional information about team member discounts available, logon to the FedEx Office Portal
(https://fedexone.kinkos.com) and click on Departments/Human Resources and then Team Member Discounts.
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16
OTHER IMPORTANT THINGS TO REMEMBER
• Maintain a current address with Human Resources to ensure you receive important benefit information.
Address changes need to be completed online at myhr.fedexkinkos.com, at the Employee Self Service
link. Any updates you make will automatically transmit to the benefits system approximately seven days
after you have submitted the change.
• Verify all deductions on your paycheck for accuracy. Notify your supervisor immediately of any discrepancies.
• Maintain a current Designation of Beneficiary on file. You may designate a beneficiary electronically via
benefits.fedexkinkos.com.
• Certain changes in your life and that of your eligible dependents affect your coverage under the
FedEx Office Benefits Program. These changes are called qualifying events. The Benefits Library at
benefits.fedexkinkos.com contains an easy-to-reference outline of how life changes affect your
benefits and what steps must be taken to ensure that you and your eligible dependents are covered
by your chosen Plans.
LEGAL NOTICES
The 2009 Summary Plan Description ("SPD") describes the benefits available to eligible team members and
their eligible dependents, under the FedEx Office Benefits Program, which includes all of the health and
welfare benefits sponsored by FedEx Office, Inc., the FedEx Office, Inc. 401(k) Retirement Savings Plan
and the FedEx Office Educational Assistance Plan. The 2009 Summary Plan Description is located online
at benefits.fedexkinkos.com.
As a participant in FedEx Office Benefit Plans, you are entitled to certain rights and protections under
the Employee Retirement Income Security Act (ERISA) of 1974. Review the 2009 Summary Plan Description
at benefits.fedexkinkos.com for additional information.
2009 Annual Notice – Women’s Health and Cancer Rights Act of 1998
The FedEx Office Health & Welfare Plan provides benefits for mastectomy and mastectomy related services
including: reconstruction and surgery to achieve symmetry between breasts; prosthesis; and treatment of
physical complications of all stages of mastectomy, including lymphedemas. Coverage is provided in accordance
with your plan design and subject to limitations, co-payments, deductibles, co-insurance and referral requirements,
if any, as outlined in your plan documents. You can contact an Anthem Blue Cross Member Services Representative
via the toll-free number on your benefit ID card for more information, or call the FedEx Office Benefit Service
Center toll-free at 1.866.866.9050.
COBRA RIGHTS
Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), federal law makes it possible for
certain employees and their eligible dependents to continue participating in healthcare plans if coverage
would otherwise terminate. Please review the 2009 Summary Plan Description at benefits.fedexkinkos.com
for a complete description of your rights.
HIPAA NOTICE
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) limits the circumstances under which
coverage may be excluded for pre-existing conditions. This is described in detail in the 2009 Summary Plan
Description available at benefits.fedexkinkos.com. HIPAA also gives you rights to receive certifications of
health plan coverage after you lose coverage. This may help you avoid a pre-existing condition exclusion
under you next health coverage. You should contact the FedEx Office Benefits Service Center should you need
assistance in obtaining a certificate either from your previous employer or from FedEx Office. In addition, the
FedEx Office HIPAA Privacy notice is posted on benefits.fedexkinkos.com.
17
IMPORTANT CONTACTS AND LINKS
For Information On:
Who To Call:
Address:
Web Site To Visit:
2009 Annual Open Enrollment and
General Questions about FedEx Office
Benefit Programs
FedEx Office Benefits Service Center
at: 1-866-866-9050 (toll-free)
(8am-5pm CST, Monday-Friday)
Fax: 214-550-7717
FedEx Office
Attn: Benefits Service Center
Three Galleria Tower
13155 Noel Rd. Ste. 1600
Dallas, TX 75240
https://benefits.fedexkinkos.com
Medical Coverage and Claims Questions
Anthem Blue Cross at:
1-888-252-6941 (toll-free)
Anthem Blue Cross
P.O. Box 60007
Los Angeles, CA 90060
Provider look up: www.bluecares.com
(On the left hand side of the menu bar
select “bluecard doctor & hospital finder”.
FedEx Office alpha pre-fix is KNK)
Self-Service web site:
www.anthem.com/ca
moreinfo.healthwise.com
Healthwise Knowledgebase
Prescription Drug Coverage and
Claim Questions
Anthem Blue Cross at:
1-800-700-2541
Mail Order RX: 1-866-274-6825
Anthem Blue Cross
P.O. Box 961025
Ft. Worth, TX 76161
www.anthem.com/ca
Dental Coverage and Claims Questions
Anthem Blue Cross at:
1-800-627-0004
Anthem Blue Cross
P.O. Box 9201
Oxnard, CA 93031
Provider look up:
www.anthem.com/ca
(Click on “Find a doctor or hospital
provider finder” in the middle of the
page and follow the prompts)
Vision Coverage and Claims Questions
Vision Service Plan (VSP) at:
1-800-877-7195
TDD: 1-800-428-4833
Vision Service Plan (VSP)
Attn: Out of Network Claims
P.O. Box 997100
Sacramento, CA 95899
www.vsp.com
Healthcare Reimbursement Account
and Dependent Care Assistant
Program Claims
UniAccount at:
1-888-209-7976 (toll free)
fax: 1-818-234-4730
UniAccount
P.O. Box 4381
Woodland Hills, CA 91365
To check balance only:
www.anthem.com/ca
Email address:
UniAccount.fsa@wellpoint.com
Employee Assistance Program
Horizon Health at:
1-800-843-1327
(24-hours a day, 7 days a week)
Educational Assistance Plan
HealthComp at: 1-800-442-7247
Fax: 1-559-499-2464
www.horizoncarelink.com
Login: FedEx Office
Password: 8008431327
HealthComp
P.O. Box 45018
Fresno, CA 93718
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IMPORTANT CONTACTS AND LINKS (continued)
For Information On:
Who To Call:
Address:
Web Site To Visit:
Short-Term Disability &
Long-Term Disability
Aetna at:
1-866-240-4385
Fax: 1-866-687-1987
Aetna Disability-Workability
P.O. Box 14560
Lexington, KY 40509
Life Insurance
Aetna at:
1-866-240-4385
Aetna Life Insurance
Company
P.O. Box 14549
Lexington, KY 40512-4549
Employee Stock Purchase Plan (ESPP)
Computershare Trust Co., Inc at:
1-800-326-6150
Plan FDX
www.computershare.com/employee/us
401(k)
Vanguard at: 1-800-523-1188
(Plan #093285)
Overnight Mail:
The Vanguard Group
Attn: Plan #93285
100 Vanguard Blvd
Malvern, PA 19355
Newly eligible participants:
Fedexkinkos.vanguard-education.com
www.wkabsystem.com
Identifier: fedexoffice
On-going participants:
www.vanguard.com
Regular Mail:
The Vanguard Group
Attn: Plan #93285
P.O. Box 1101
Valley Forge, PA 19482
Personal Cancer Indemnity Plan
AFLAC at: 1-800-632-4520
www.fedexkinkos-aflac.com
Group Legal Services Plan, Auto and
Home Insurance, Banking Services,
Veterinary Pet Insurance, MetDESK,
Long Term Care
MetLife at: 1-800-438-6388
www.metlife.com/mybenefits
COBRA Coverage
HealthComp at: 1-800-442-7247
Fax: 1-559-499-2464
HealthComp
P.O. Box 45018
Fresno, CA 93718
This is only a brief outline of the FedEx Office Benefits Program and is not a contract. In the event of a conflict between this newsletter and the
official Plan Document, the terms of the official Plan Document will prevail. For more detailed information on benefits, exclusions, and eligibility,
please refer to the FedEx Office 2009 Summary Plan Descriptions located in the Benefits Library at benefits.fedexkinkos.com.
19
IMPORTANT NOTICE FROM FEDEX OFFICE AND PRINT SERVICES, INC.
ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICARE
Please read this notice carefully and keep it where you can find it. This notice has information
about your current prescription drug coverage with FedEx Office and Print Services, Inc. and about
your options under Medicare’s prescription drug coverage. This information can help you decide
whether or not you want to join a Medicare drug plan. If you are considering joining, you should
compare your current coverage, including which drugs are covered at what cost, with the coverage
and costs of the plans offering Medicare prescription drug coverage in your area. Information
about where you can get help to make decisions about your prescription drug coverage is at the
end of this notice.
There are two important things you need to know about your current coverage and Medicare’s
prescription drug coverage:
1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get
this coverage if you join a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an
HMO or PPO) that offers prescription drug coverage. All Medicare drug plans provide at least a standard
level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.
2. FedEx Office and Print Services, Inc. has determined that the prescription drug coverage offered by the
FedEx Office and Print Services, Inc. Health Plan is, on average for all plan participants, expected to pay
out as much as standard Medicare prescription drug coverage pays and is therefore considered Creditable
Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay
a higher premium (a penalty) if you later decide to join a Medicare drug plan.
When Can You Join A Medicare Drug Plan?
You can join a Medicare drug plan when you first become eligible for Medicare and each year from
November 15th through December 31st.
However, if you lose your current creditable prescription drug coverage, through no fault of your own,
you will also be eligible for a two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.
What Happens To Your Current Coverage If You Decide to Join A Medicare
Drug Plan?
If you decide to join a Medicare drug plan, your current FedEx Office and Print Services, Inc. Health Plan
coverage will not be affected. Your current medical coverage pays for other health expenses, in addition
to prescription drugs, and you will still be eligible to receive all of your current health and prescription drug
benefits if you choose to enroll in a Medicare prescription drug plan. Please refer to your summary plan
description for a summary of the prescription drug coverage included in each medical plan option available
to you.
If you do decide to join a Medicare drug plan and drop your current FedEx Office and Print Services, Inc.
coverage, be aware that you and your dependents will not be able to get this coverage back absent a
qualifying event.
When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan?
You should also know that if you drop or lose your current coverage with the FedEx Office and Print
Services, Inc. Health Plan and don’t join a Medicare drug plan within 63 continuous days after your current
coverage ends, you might pay a higher premium (a penalty) to join a Medicare drug plan later.
If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium
may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did
not have that coverage. For example, if you go nineteen months without creditable coverage, your premium
may consistently be at least 19% higher than the Medicare base beneficiary premium. You may have to pay
this higher premium (a penalty) as long as you have Medicare prescription drug coverage. In addition, you
may have to wait until the following November to join.
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IMPORTANT NOTICE FROM FEDEX OFFICE AND PRINT SERVICES, INC.
ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICARE (continued)
For More Information About This Notice Or Your Current Prescription
Drug Coverage…
Contact Anthem Blue Cross at 1-888-252-6941. NOTE: You’ll get this notice each year. You will also get it
before the next period you can join a Medicare drug plan, and if this coverage through the FedEx Office and
Print Services, Inc. Health Plan changes. You also may request a copy of this notice at any time.
For more information about Medicare prescription drug coverage:
More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare &
You” handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be
contacted directly by Medicare drug plans.
For more information about Medicare prescription drug coverage:
• Visit www.medicare.gov
• Call your State Health Insurance Assistance Program (see the inside back cover of your copy of the
“Medicare & You” handbook for their telephone number) for personalized help
• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.
If you have limited income and resources, extra help paying for Medicare prescription drug coverage is available.
For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call
them at 1-800-772-1213 (TTY 1-800-325-0778).
Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare
drug plans, you may be required to provide a copy of this notice when you join to show
whether or not you have maintained creditable coverage and, therefore, whether or not you
are required to pay a higher premium (a penalty).
Date:
November 1, 2008
Name of Entity/Sender:
FedEx Office and Print Services, Inc.
Contact--Position/Office: Benefits Service Center
Address:
13155 Noel Rd., Suite 1600, Dallas, TX 75240
Phone Number:
1-866-866-9050 (toll free)
CMS Form 10182-CC
Updated June 15, 2008
According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information
unless it displays a valid OMB control number. The valid OMB control number for this information collection is 0938-0990.
The time required to complete this information collection is estimated to average 8 hours per response initially, including
the time to review instructions, search existing data resources, gather the data needed, and complete and review the
information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving
this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C4-26-05,
Baltimore, Maryland 21244-1850.
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