Segal’s annual enrollment period for 2024 benefits was held from Wednesday, October 25, 2023 through Wednesday, November 8, 2023. This was your once-a-year opportunity to make your 2024 benefit elections.

Segal is a special place to work, continuing to support our health and well-being through comprehensive health and wellness benefit programs. Segal leadership’s investment in our well-being shows how Segal cares for us. We are once again expanding the varied benefit options and opportunities to assist you in achieving a healthy lifestyle, encompassing physical, mental and financial health. Our newest initiatives include:

• the introduction of Burnalong live and on-demand well-being solutions effective October 25, 2023;
• changes to the Segal Resolutions wellness program effective January 1, 2024; and
• the OptumRx Price Edge program, a simple way to save on non-specialty generic drugs, also effective January 1, 2024.

We’re also pleased to inform you that the premium increases for Aetna PPO and Aetna HDHP, the self-insured plans in which the majority of employees are enrolled, are well below the national trend or what Segal is projecting for employer healthcare cost increases in 2024. However, the fully insured Aetna EPO, Emblem Health HMO and Kaiser HMO plans, where Segal has less control over rates, will see premium increases above trend.

And, we are not increasing employee contributions for dental or vision for the 2^nd year in a row.

Segal is supporting us professionally and personally and we encourage you to review the benefit offerings and utilize programs designed to assist us on our journey toward overall well-being.

Review 2024 coverage and contributions

Please set aside time now to review details of the 2024 coverage as well as the contribution rates for 2024, to make sure you’re enrolled in the right plans and taking full advantage of all that is offered.

The updates to our plans, and the 2024 flex credits and contribution rates, are on this 2024 benefits microsite. The elections you make during annual enrollment will take effect on January 1, 2024, and remain in place throughout the 2024 calendar year unless you have a qualifying life event, such as marriage, divorce, or the birth of a child. However if EOI is still pending for life, AD&D or LTD insurance as of January 1, 2024, that coverage will take effect upon the approval of EOI rather than on January 1.

NOTE:

• If you are a Segal Marco CBU employee or a New York CBU staff member, you receive separate information regarding your Annual Enrollment benefits.

• If you are a Canada employee, information regarding your benefits is posted on the Canada Benefits page of this 2024 benefits microsite.

Welcome to Segal's third annual Virtual Health Fair! The virtual health fair runs from October 25 through November 8 only.

Click on the benefit vendor partner links below to learn how to make the most of your benefits and to find helpful videos and fliers. You will also find links to information sessions where you can meet with representatives from benefit vendor partners.

Scroll through this page, and get to know your benefits!

Enter the raffle for a chance to win a prize from one of our benefit vendor partners! 

 

Raffle

Enter the raffle between October 25 and November 8, 2023 for a chance to win a prize from one of our benefit vendor partners! Note that in order to enter, you must be connected to the Segal network via a Segal laptop in the office or via Versa if working remotely. Winners will be notified after annual enrollment has ended.

Click here to read the raffle privacy policy before entering.

Your enrollment checklist

1. Know your options and costs. Review your current benefit elections in HRConnect, including any HSA contribution amounts. Access HRConnect through OKTA on SegalNet, click on Me, then on Benefits.
2. Reexamine your supplemental and spouse/child life and accidental death & dismemberment (AD&D) and supplemental long-term disability insurance needs. Log in to or register at thehartford.com/benefits/enroll to enroll in or make changes to your supplemental life and spouse/child life and/or AD&D and supplemental long-term disability insurance, review your beneficiary designations for supplemental life insurance, and see your costs for 2024, by November 8, 2023.
3. Enroll through HRConnect, and complete your annual enrollment elections, including FSA elections, by November 8, 2023.
   • Verify that each of your family members’ names and corresponding Social Security numbers on file are correct. To check this information, access HRConnect through OKTA.
   • Update your personal information and beneficiary designations. If you have recently married, divorced, had a child, or experienced any other relevant family change, make sure your records are updated. It’s also important that you designate a basic group life insurance beneficiary if you haven’t done so.

Want an FSA in 2024?

If you are eligible for and want to contribute to a Health Care and/or Dependent Care Flexible Spending Account in 2024, you must make an election during the annual enrollment period — your 2023 elections will not carry over automatically.

Don’t wait until the last minute to enroll!

While we’re all very busy, please don’t wait until the last minute to enroll in 2024 benefits. And please ensure your time zone in HRConnect is correctly set to your local time, so that your ability to make annual enrollment elections in HRConnect does not end earlier due to an inaccurate time zone. Instructions are available on the 2024 benefits microsite.

What happens if you don’t enroll?

You must enroll if:

• You want to make any changes to your coverage
• You want to participate in a health care and/or dependent care FSA for 2024
• You want to change your HSA contribution as of the beginning of the year
• You currently waive medical coverage, and you want to continue to waive medical coverage in 2024
• If you have duplicate dependents listed in HRConnect and want to eliminate the duplicate records. Please do so by following the instructions for deleting duplicate dependents posted on the 2024 benefits microsite
• If you want an electronic beneficiary designation (rather than paper record) for your basic group life insurance.

If you are not affected by the above, you do not need to take any action to update your benefit elections. However, you must still review your:

• Elections in HRConnect during annual enrollment and keep a record of them (print to paper or to a file)
• Elections in HRConnect after annual enrollment ends and keep a record of them (print to paper or to a file), and
• Paycheck contributions for the 1^st payroll of 2024.

Ensure they are all correct. Report any discrepancies to Janet Arce and Mandy Singh no later than January 31, 2024.

If you still have an HRA, your account balance will be decreased.

Reminder: Important notices 

You can find these required notices here:

• Your Prescription Drug Coverage and Medicare Creditable Coverage notice. This notice was emailed to you on October 2, 2023.
• Women’s Health and Cancer Rights Act notice
• Newborns’ and Mothers’ Health Protection Act
• Premium Assistance Under Medicaid and the Children’s Health Insurance Program
• Segal Statement of Nondiscrimination

Learn More

Please be sure to review the details on this 2024 benefits microsite.

Watch the recorded webinar to learn more.

 

Our newest benefit changes

Add or Increase Supplemental Life, AD&D and/or LTD

We introduced The Hartford as our new life and disability vendor effective October 1, 2023.

The Hartford is offering a one-time opportunity this annual enrollment for employees not currently enrolled in supplemental insurance coverage to enroll in additional coverage up to the guaranteed issue amount without Evidence of Insurability (EOI), which is usually a health screening. The amounts are:

• Supplemental life and/or AD&D up to the lesser of 3 times covered earnings and $400,000,
• Spouse life up to $10,000, and
• Supplemental long-term disability, low or high option.

The coverage elected during annual enrollment without EOI will be effective January 1, 2024. In future years, EOI will apply to new coverage elections made during annual enrollment.

If you are currently enrolled, you still can make changes to your supplemental life and AD&D, spouse/child life and supplemental long-term disability coverage, subject to any applicable Evidence of Insurability (EOI) requirements, or to discontinue your current supplemental coverage.

You now enroll for supplemental LTD coverage as well as supplemental life and/or AD&D coverage, directly with the Hartford, at www.thehartford.com/benefits/enroll. Prior supplemental long-term disability elections that previously showed in HRConnect have been transferred to The Hartford.

If you currently have any supplemental insurance coverage, please register at The Hartford to confirm your coverage, demographic, dependent and beneficiary information, as applicable, is correct or add any missing information needed, or to enroll or make changes or discontinue current coverage. Your user ID is your employee ID and your initial password is your initials followed by your date of birth in MMDDYYYY format. You may receive emails directly from The Hartford at EmployeeBenefits@MarketWORKS.TheHartford.com and enroll@email.thehartfordatwork.com.

Basic life and disability coverage, and the flex credit you receive toward the purchase of supplemental life insurance, will continue to show in HRConnect.

Burnalong Live and On-Demand Classes

Register for Burnalong to access thousands of live and on demand classes and wellness programs spanning physical, mental and financial wellness. Get motivation from friends and family members you invite to join in. Receive AI-powered guidance plus access anytime, anywhere. To activate your free Burnalong account complements of Segal, go to www.join.burnalong.com/segal.

You can also upgrade your membership and gain access to participating fitness locations for a flat monthly rate, currently $29. You could visit multiple gym locations with one subscription and try any participating gym.

The Resolutions wellness program is redesigned effective January 1, 2024

Segal offers the Resolutions wellness program, newly redesigned for 2024 and an easy way to earn money as you work on your own health goals. Eligible employees will receive a cash award for completing a health assessment once the application has been approved. The health assessment can help in identifying health issues early which can reduce medical care needs and improve your overall health. Your health information will not be shared with anyone at Segal.

Starting in 2024 we’re doubling the amount of the cash awards available! Complete the health assessment next year and receive up to $100. Have your spouse or spousal equivalent complete one, too, and receive up to $50.

Please note: We’re no longer offering the smoking cessation and weight loss components of the current Resolutions program, effective December 31, 2023. This is due to lack of participation and coverage of tobacco cessation medications under our medical and prescription programs. Since reimbursement for nutritionist visits is already available under the Everyday Well-being program at a higher dollar level, it is being removed from the Resolutions program as well.

New for 2024: OptumRx Price Edge for Aetna HDHP and Aetna PPO members

OptumRx Price Edge is a simple way for Aetna HDHP and Aetna PPO members to save on non-specialty, generic drugs covered or not. The OptumRx claim system will scan discount card market pricing and compare it to the benefit, providing a competitive price. You will have an improved member experience because OptumRx will retain your medical history for drug and clinical programs.

The following valuable programs are continuing

Hinge Health for Aetna HDHP and Aetna PPO members

We’re pleased to report that acceptance of Hinge Health has been very positive. Please continue to make use of this program to:

• Manage chronic back and joint pain with digital exercise therapy.
• Engage with a physical therapist virtually for more recent musculoskeletal issues.
• Avoid common musculoskeletal conditions through the wellness program.

Register for Hinge Health through your Aetna member website.

Everyday Well-being program

With the Everyday Well-being wellness program you can get reimbursed for a wide range of expenses that support your health and wellbeing, including health club membership, purchase of exercise equipment and fitness trackers and financial planning services by a qualified financial planner. Don’t miss out on this easy way to cover up to $600 in expenses! Review the program guidelines and be sure to submit any year’s claims for reimbursement by March 31 of the following year. Join your co-workers who are in pursuit of healthy living by submitting claims and receiving reimbursements under the Everyday Well-being program.

TELUS Health Employee Assistance Plan (EAP)

The EAP provides free confidential services including basic consultations, short-term counseling and referrals. You may receive up to 8 short-term counseling sessions per issue per year. If long-term or specialized treatment is needed, the EAP will help you find the best resource for your situation, using your health benefit program whenever possible.

3rd virtual health fair

Join us for our third virtual health fair! Speak directly with representatives from our benefit vendors and learn about the ways Segal supports your physical, mental and financial wellness and enter the raffle for fun prizes. Click here for the virtual virtual health fair webpage, containing the schedule of sessions offered by our benefit vendor partners, such as the chance to ask questions to Aetna representatives and attend a one-on-one session with a Fidelity representative. Complete the raffle entry for a chance to win a raffle prize from one of our benefit vendor partners. The deadline for entries is November 8, 2023.

Updates to costs and contributions

• Contributions not increasing: Contributions for Guardian Dental and VSP vision will remain the same in 2024 as they are in 2023 (and also were in 2022). The optional life and disability contributions will remain the same as those that Segal negotiated with The Hartford to be effective October 1, 2023.
• Contributions increasing: Contributions for the Aetna HDHP and Aetna PPO will have a small increase. Contributions for the Aetna EPO, Kaiser Northern and Southern CA HMOs and Emblem Health HMO will go up in 2024. Review the new contribution rates applicable to you, in HRConnect.
• HSA contribution limits: In 2024 the maximum pretax contribution you may make is increasing to $4,150 if you have individual coverage and $8,300 if you have employee plus one or employee plus family coverage. If you’re age 55 or older in 2024, you can make an additional $1,000 pretax catch-up contribution.
• FSA contribution limits: For 2024, the Health Care Flexible Spending Account annual limit is $3,050, with the ability to roll over up to 20% of unused funds from one year to the next. The Dependent Care Flexible Spending Account limit will remain at $5,000.
• Employees with HRA balances will see a $39 decrease in their accounts. If you still have an HRA balance as of January 1, 2024, it will be reduced by the annual account administration fee of $39. Each subsequent January 1, HRA account balances again will be reduced by the annual administration fee, so you should continue to spend down your account.

Please click on the applicable benefits links on the left hand side for information about your Segal benefits.

Medical benefits include various plans to select from, including:

Aetna HDHP with HSA

Aetna PPO Plan

Regional Managed Care Plans: HMOs/EPOs

The High Deductible Health Plan (HDHP) with  Health Savings Account (HSA) is a high deductible plan. In-network preventive care is paid at 100%, with no coinsurance, no deductible and no copayment. All other services are subject to the deductible, coinsurance, and/or copays. It is important to note that the deductible applies to prescription drugs as well. 

The tax-advantaged HSA is what really sets the HDHP apart from other traditional medical plans. The HSA allows you to contribute money from your paycheck, tax-free, into your HSA to help cover your deductible and other qualified healthcare expenses. Segal also makes contributions to your HSA. With an HSA, you’ll have the potential to build more savings for healthcare expenses or additional retirement savings through self-directed investment options.

Provider Network. The Aetna HDHP with HSA uses the Aetna Choice® POS II (Open Access) provider network.

The Aetna HDHP includes a variety of transition assistance transgender services*, such as:

• Behavioral health services. Your mental well-being is important and talking to a behavioral health provider before your gender affirmation surgery is a requirement for your transition planning.
• Hormone therapy and medications (covered under OptumRx). Used to make you more masculine or more feminine.
• Gender affirmation surgery and gender support services. Aetna Concierge Services can help you find an appropriate surgeon and work with your surgeon to get all the precertifications needed.
• Reproductive services. You may be covered for in vitro fertilization services (note that ART reproductive services are only covered under the Aetna HDHP, not under the Aetna PPO).
• Staying healthy after your surgery. You’re covered for preventive health services based on your birth anatomy, including certain cancer screenings.

*Coverage for gender transition services depends on certain federal laws.

The Aetna HDHP Transform Oncology program includes resources and support you may need to manage your cancer care, understand your benefits and locate the right providers.

• Personal Navigator. Your dedicated advocate who will provide you and your caretaker with personalized support.
• Guided Genetic Health® program. Genetic counseling and testing can help guide your treatment and assess your risk of developing other forms of cancer.
• Aetna Cancer Support Center. Providing resources to your fingertips, serving as your trusted source for information and guidance on what to expect while managing cancer treatment and care.

You have access to the Aetna Back and Joint Care Services Partnership with Hinge Health.

• Manage chronic back and joint pain with digital exercise therapy.
• Engage with a physical therapist virtually for more recent musculoskeletal issues.
• Avoid common musculoskeletal conditions through the wellness program.
• The Aetna Back and Joint Care program is included on your member website, with a direct connection to the Hinge Health online screener.

The Aetna HDHP with HSA is covering 3 lifetime attempts of Advanced Reproductive Technology (ART) infertility treatment as long as the definition of infertility is met and prior required steps are taken. Please see the Summary of Benefits, Booklet Certificate and Schedule of Benefits for full details and limitations.  Note: The Aetna PPO does not include ART coverage. 

View the Aetna HDHP Summary of Benefits and Coverage (SBC) and the Aetna HDHP Summary of Benefits.

Learn more about how the HSA works.

View the Aetna HDHP Booklet Certificate and the Aetna HDHP Schedule of Benefits for the details of your healthcare benefits, your share of the costs and which services are covered. The 2024 editions are coming soon.

The Aetna PPO Plan (also known as Aetna Choice POS II) provides comprehensive medical coverage through in-network providers who are affiliated with the Plan or through out-of-network providers who do not participate in the Plan's network. In-network preventive care is paid at 100%, with no coinsurance, no deductible and no copayment. Most other services are subject to the deductible first then coinsurance or copay. It is important to note that the deductible applies to prescription drugs as well.  There is no separate out-of-pocket maximum for prescription drugs under the Aetna PPO. Once you reach the out-of-pocket maximum, the plan pays 100% of covered expenses for the remainder of the calendar year. The coinsurance, deductible, and out-of-pocket maximum amounts are higher for out-of-network services.

With the Aetna PPO Plan, you can visit any doctor you choose, and you don't need a referral to see a specialist. Nor do you have to choose a primary care physician (PCP).

Provider Network. The Aetna PPO uses the Aetna Choice® POS II (Open Access) provider network.

The Aetna PPO includes a variety of transition assistance transgender services*, such as:

• Behavioral health services. Your mental well-being is important and talking to a behavioral health provider before your gender affirmation surgery is a requirement for your transition planning.
• Hormone therapy and medications (covered under OptumRx). Used to make you more masculine or more feminine.
• Gender affirmation surgery and gender support services. Aetna Concierge Services can help you find an appropriate surgeon and work with your surgeon to get all the precertifications needed.
• Reproductive services. You may be covered for in vitro fertilization services (note that ART reproductive services are only covered under the Aetna HDHP, not under the Aetna PPO).
• Staying healthy after your surgery. You’re covered for preventive health services based on your birth anatomy, including certain cancer screenings.

*Coverage for gender transition services depends on certain federal laws.

The Aetna PPO Transform Oncology program includes resources and support you may need to manage your cancer care, understand your benefits and locate the right providers.

• Personal Navigator. Your dedicated advocate who will provide you and your caretaker with personalized support.
• Guided Genetic Health® program. Genetic counseling and testing can help guide your treatment and assess your risk of developing other forms of cancer.
• Aetna Cancer Support Center. Providing resources to your fingertips, serving as your trusted source for information and guidance on what to expect while managing cancer treatment and care.

You have access to the Aetna Back and Joint Care Services Partnership with Hinge Health.

• Manage chronic back and joint pain with digital exercise therapy.
• Engage with a physical therapist virtually for more recent musculoskeletal issues.
• Avoid common musculoskeletal conditions through the wellness program.
• The Aetna Back and Joint Care program is included on your member website, with a direct connection to the Hinge Health online screener.

The Aetna PPO plan does not cover Advanced Reproductive Technology (ART), unlike the Aetna HDHP with HSA.

View the Aetna PPO Summary of Benefits and Coverage and the Aetna PPO Summary of Benefits. 

View the 2023 Aetna PPO Booklet Certificate and the Aetna PPO Schedule of Benefits for the details of your 2023 healthcare benefits, your share of the costs and which services are covered. ​The 2024 editions are coming soon.​

Prescription drug coverage is provided through OptumRx, the prescription drug plan administrator for the Aetna medical plans (except the HMO).

Under the Aetna PPO, prescription drugs are grouped into preventive and non-preventive medications.

• Preventive prescription medications are used to prevent conditions such as asthma.
  • The Affordable Care Act (ACA) lists preventive drugs that are covered at 100% and are not subject to the deductible.
    • View the ACA preventive drug list effective January 1, 2024 and the ACA HIV PrEP drug information effective January 1, 2024.
  • OptumRx lists preventive drugs that require a copay (for generic drugs) or coinsurance (for brand-name and specialty drugs). The copay and coinsurance are not subject to the deductible.
    • View the OptumRx list of preventive drugs effective January 1, 2024.​

• For non-preventive medications, you pay the full cost of the drug (after OptumRx discounts are applied) at the time of purchase. Non-preventive medication expenses do apply to the deductible. Go to the  OptumRx website to search for all covered drugs under the Plan and see how much they cost.  

• Once you meet your annual deductible, you pay the applicable copay or coinsurance.

There is no separate out-of-pocket maximum for prescription drugs under the PPO.

When obtaining your non-specialty prescriptions, you can receive reimbursement for up to a 30-day supply at a retail Participating Pharmacy or up to a 90-day supply at OptumRx mail order or at Walgreens and Duane Reade local pharmacies. You obtain specialty prescriptions through Optum Specialty.

Learn more about prescription drug benefits.

Managed Care Plans including Health Maintenance Organizations (HMOs), and Exclusive Provider Organizations (EPOs) are offered in different geographic regions across the country. You may enroll in a managed care organization if you live within the geographic area in which it is offered. Please note: if enrollment in a managed care plan falls below ten employees, the managed care plan may not be offered going forward. 

An important feature of a managed care plan is the Primary Care Physician (PCP). You must choose a PCP, who will then coordinate your care with other providers in the managed care plan. Typically, you need your PCP's authorization before you can see another medical provider.

Here are descriptions of the benefit coverage for each managed care organization. 2024 editions not yet shown below are forthcoming shortly.

• Aetna EPO in CA, GA, NJ, NY, DC (including NY CBU in NJ and NY) Summary of Benefits and Coverage (SBC), Summary of Benefits and Coverage Supplement and the 2024 Summary of Benefits. Once you are enrolled in the Aetna EPO, for your Summary of Coverage/Schedule of Benefits and your booklet with the details of your healthcare benefits, your share of the costs and which services are covered, log into your member website, Aetna Navigator® on www.aetna.com and select “Coverage & Benefits.”  
• Emblem Health - HIP HMO in NY (including NY CBU) 2024 Summary of Benefits and Coverage (SBC) and Summary of Benefits
• Kaiser Northern CA HMO - 2024 Summary of Benefits and Coverage (SBC) and 2024 Summary of Benefits and Disclosure
• Kaiser Southern CA HMO - 2024 Summary of Benefits and Coverage (SBC) and 2024 Summary of Benefits and Disclosure

If you are participating in either the Aetna PPO or HDHP Plan, your prescription drug “Rx” coverage is NOT provided by Aetna, but rather by OptumRx, our Pharmacy Benefit Manager (PBM). Eligibility for the Rx program is the same as that for the medical program. As soon as you enroll for either of the Aetna medical plans noted above, you will also be enrolled in the OptumRx prescription drug program. NOTE: you will receive separate ID cards. Do not use your Aetna ID card for prescription drugs, rather, always use your OptumRx ID card for prescriptions.

Employee contributions are included in the medical plan contributions.

Copays and coinsurance for prescription drugs, after the annual deductible has been satisfied (where applicable):

 

	Retail (30 day) at any Participating Retail Pharmacy	Retail (90 day) at Walgreen’s/Duane Reade Only	Mail
Tier 1 (Generic)	10% coinsurance, minimum $7.50 copay/ maximum $30 copay	10% coinsurance, minimum $15 copay/ maximum $60 copay	10% coinsurance, minimum $15 copay/ maximum $60 copay
Tier 2 (Preferred Brand)	20% coinsurance, minimum $20 copay/maximum $100 copay	20% coinsurance, minimum $40 copay/maximum $200 copay	20% coinsurance, minimum $40 copay/maximum $200 copay
Tier 3 (Non-Preferred Brand)	30% coinsurance, minimum $40 copay/maximum $200 copay	30% coinsurance, minimum $80 copay/maximum $400 copay	30% coinsurance, minimum $80 copay/maximum $400 copay
Specialty	30 Days' Supply Limit at Optum Specialty (formerly Briova) Mail Generics: 10% coinsurance, minimum $15 copay/maximum $60 copay Preferred Brands: 20% coinsurance, minimum $40 copay/maximum $200 copay Non-Preferred Brands: 30% coinsurance, minimum $80 copay/maximum $400 copay   More than 30 Days' Supply Limit at Optum Specialty (formerly Briova) Mail, only for select specialty drug classes Generics: 10% coinsurance, minimum $30 copay/maximum $120 copay Preferred Brands: 20% coinsurance, minimum $80 copay/maximum $400 copay Non-Preferred Brands: 30% coinsurance, minimum $160 copay/maximum $800 copay

 

Prescription Plan Features

Price Edge -- New for 2024: Price Edge is a simple way for members to save on non-specialty, generic drugs covered or not. The OptumRx claim system will scan discount card market pricing and compare it to the benefit, providing a competitive price. You will have an improved member experience because OptumRx will retain your medical history for drug and clinical programs. 

Network: OptumRx has a well-established national network of pharmacies through which you may fill prescriptions. If you use one of OptumRx’s participating pharmacies, your out-of-pocket costs may be lower than if you use a non-participating pharmacy. You can obtain an up to date listing of participating pharmacies by visiting the OptumRx web site at www.OptumRx.com. You can also call OptumRx at 866-837-9242. Be sure to register at the OptumRx website, so that you have access to your medication information easily online; you can order renewals, print out ID cards, etc.

When obtaining your prescriptions, you can receive up to a 30-day supply at a retail Participating Pharmacy or up to a 90-day supply at OptumRx mail order. You can also receive a 90-day supply from Walgreens or Duane Reade. Specialty drugs must be obtained through Optum Specialty and have varying day supply requisites.

Formulary: OptumRx has negotiated preferred pricing on certain drugs, included on a list called a formulary. As a result of this preferred pricing (which is often on drugs by different manufacturers for the same medical condition), lower co-payments are offered on the formulary drugs. You can obtain a copy of the formulary by contacting OptumRx at the phone number or web site shown above. Formulary information is subject to change based on drug updates or market changes. Therefore, using the app, website or customer service is the best way to confirm pricing and tier placement/exclusion.

Mail Order Program: The mail order program is designed to be more convenient and less expensive for you to obtain medications you take on an ongoing basis, such as those used to treat chronic conditions.

Your co-payment per prescription will be 10% coinsurance, minimum copay $15 and maximum copay $60 for each generic drug obtained. If there is no generic equivalent and you can use a drug on the Formulary, you will pay 20% of the Pharmacy Payment Rate, with a minimum of $40 and maximum of $200. If you obtain a non-formulary drug, you will pay 30% of the Pharmacy Payment Rate, with a minimum of $80 and maximum of $400.

If you insist on a brand name prescription drug when there is a generic equivalent and your physician does not indicate “Dispense As Written,” you will be responsible for the cost difference between the brand name drug and its generic equivalent, plus the applicable co-payment or coinsurance.

Specialty Drug Program: In addition to the existing retail pharmacy network, OptumRx contracts with a specialty pharmacy, Optum Specialty (formerly known as Briova). Optum Specialty can help you fill a new prescription. Please call Optum Specialty at 855-427-4682.

Step-Therapy: For certain prescriptions, participants are required to first try one or more specified drugs to treat a particular medical condition before the plan will cover another (usually more expensive) drug that the doctor may have prescribed.

The generic equivalent of the prescription drug will be dispensed to you at a cost of 10% coinsurance, minimum $7.50 copay/ maximum $30 copay.

If there is no generic equivalent and you can use a drug on the Formulary, at retail for 30 day supply you will pay 20% of the Pharmacy Payment Rate, with a minimum of $20 and maximum of $100. If you obtain a non-formulary drug, you will pay 30% of the Pharmacy Payment Rate, with a minimum of $40 and maximum of $200.

If you insist on a brand name prescription drug when there is a generic equivalent and your physician does not indicate “Dispense As Written,” you will be responsible for the cost difference between the brand name drug and its generic equivalent, plus the applicable co-payment or coinsurance.

Clinical Utilization Management

Prior Authorization, Fill Limits, and Exclusions: Some prescription drug medications are subject to prior authorization, to limitations on the amount for which the prescription will be filled, or to exclusions under this Plan. For a complete list of these medications, contact OptumRx.

Copay Card Accumulator Adjustment Program and Variable Copay Program: The copay card accumulator adjustment program provides that copay assistance program amounts will not count towards the member’s cost share for the deductible and out of pocket maximum. The variable copay program allows members to receive maximum benefits from copay assistance programs by paying the copay indicated by the copay assistance program and not more than the current specialty design cost share.

Split Fill and Smart Fill Programs plus 30 Days’ Supply Limit on Specialty Drugs:
The Split Fill Program for Oral Oncology Medications fills half the prescription twice a month, rather than a full prescription once a month, when a patients starts a new regimen of oral oncology medications. Patients who tolerate the new drug for three months will be eligible for the standard days’ supply for duration of therapy. Member copays would be pro-rated to reflect the lower days’ supply.

The Smart Fill Program allows 90 days’ supply fill for select specialty drug classes Multiple Sclerosis, Inflammatory Conditions, and Transplant drug classes. 

There is a 30 days' supply limit on non-smart fill program specialty drugs.

Claims and Appeals: Claims and appeals should be submitted to OptumRx, at the address available through the website, telephone, or on your OptumRx prescription drug card.

Additional Information. Please note that Formulary information is subject to change based on drug updates or market changes. Therefore, using the app, website or customer service is the best way to confirm pricing and tier placement/exclusion. 

• OptumRx Mail Order Form
  
• OptumRx July 1, 2024 Formulary
• OptumRx July 1, 2024 Premium Formulary Step Therapy Drug List
• OptumRx July 1, 2024 Premium Formulary Quantity Limits Drug List
• OptumRx July 1, 2024 Premium Formulary Prior Authorization Drug List
• OptumRx January 1, 2024 Formulary
• OptumRx January 1, 2024 Premium Formulary Step Therapy Drug List
• OptumRx January 1, 2024 Premium Formulary Quantity Limits Drug List
• OptumRx January 1, 2024 Premium Formulary Prior Authorization Drug List

Under the Dental PPO Plan, comprehensive dental coverage can be obtained through in-network participating providers (offering discounted fees) or through out-of-network providers who do not participate in the Dental PPO's network.

The Dental PPO is self-insured and administered by Guardian. 

The choice of Dental PPO vendor is reviewed annually and is subject to change at any time.

Employee contributions are required, and are based on salary and coverage tier. Cost sharing is subject to change at any time.

If you waive dental coverage and then elect dental coverage in a subsequent year, you will automatically be enrolled in the Transition Dental Plan. The Transition Dental Plan costs the same as the Dental PPO and you have the option to visit a participating or non-participating dentist.  However, during the first year, the Transition Dental Plan only covers diagnostic, preventive and basic restorative services; major restorative services and child orthodontia are not covered.  During annual enrollment the following year, you will be automatically transferred to the full coverage Dental PPO.

View the Dental Plan Schedule of Benefits (Except New York CBU) and Byte Dental (Except NY CBU)  or the Schedule of Benefits for New York CBU.

Additional Information:

• Guardian Dental Claim Form (PDF)
• Guardian Dental Certificate of Coverage (Except New York CBU)
• Guardian Dental Certificate of Coverage for New York CBU Only

The Company offers a voluntary Vision Plan that provides eye care and eyewear benefits. Employee contributions are pre-tax, and you can purchase a base plan or a buy-up plan through VSP Vision Care.

• View the VSP Vision Care Plan flyer

• Visit VSP's website, where you can check for participating providers

Employee contributions are subject to change at any time.

The choice of Vision Plan vendor is reviewed annually and is subject to change at any time.

Segal offers the following tax-advantaged accounts to help you pay for eligible medical, dental and vision expenses:

• Health Savings Account (HSA) 
• Health Reimbursement Account (HRA) (for those with remaining balances)
  • Limited-purpose HRA limited to eligible dental and vision expenses only
• Flexible Spending Account (FSAs)
  • Health Care (HCFSA)
  • Limited-purpose HCFSA limited to eligible dental and vision expenses only
  • Dependent Care (DCFSA) for dependent care expenses only

All accounts are funded through pre-tax contributions, either from you, Segal or both. The medical plan you select determines which account(s) you may participate in.

Segal offers the following tax-advantaged accounts to help you pay for eligible medical, dental and vision expenses:

• Health Savings Account (HSA) 
• Health Reimbursement Account (HRA) (for those with remaining balances)
  • Limited-purpose HRA limited to eligible dental and vision expenses only
• Flexible Spending Account (FSAs)
  • Health Care (HCFSA)
  • Limited-purpose HCFSA limited to eligible dental and vision expenses only
  • Dependent Care (DCFSA) for dependent care expenses only

All accounts are funded through pre-tax contributions, either from you, Segal or both. The medical plan you select determines which account(s) you may participate in, as shown the the chart below.

A Health Savings Account (HSA) is available to you only if you are enrolled in the High Deductible Health Plan (HDHP). An HSA is used to pay for eligible medical, dental and vision expenses, including the deductible. Here's a brief video on HSAs: What is an HSA? 

The HSA account administrator is WEX. 

Employees with HRA account balances need to take action to spend down HRA account balances. Segal pays a monthly administrative fee to maintain these HRA accounts, and several HRA balances are lower than the account administration fee. On an annual basis, Segal lowers all HRA account balances by an amount close to the annual administration fee.

The HRA account administrator is WEX.

What happens to Your HRA Balance if...

You enroll in the Aetna HDHP with HSA:

• If you still have an HRA balance in 2024, it becomes a limited-purpose HRA which can be used only for vision and dental expenses.

You enroll in the Aetna PPO Plan:

• If you still have an HRA balance in 2024, you can use your HRA for any eligible prescription drugs, medical, dental and vision expenses. 

You enroll in an HMO/EPO:

• If you still have an HRA balance in 2024, you can use your HRA for any eligible prescription drugs, medical, dental and vision expenses. 

You retire from Segal:

• You cannot transfer your HRA balance to a new HRA.
• You may pay administrative fees to WEX, the HRA administrator.
• You can use your balance to pay for eligible medical expenses tax-free. If you pay for non-eligible expenses, you will pay a penalty.

  You Leave Segal:

  You forfeit your account

 

The Health Care FSAs and Dependent Care FSA account administrator is WEX. 

Flexible Spending Accounts (FSAs) are tax-advantaged accounts that let you pay for eligible medical, dental and vision expenses. The limited-purpose Health Care FSA is only for eligible dental and vision expenses. 

There are three types of FSAs:

• Health Care FSA (HCFSA)
• Limited-Purpose Health Care FSA
• Dependent Care FSA (DCFSA)

For your HCFSA, you may roll over up to 20% of unused funds from one year to the next.

For all FSAs, your 2024 election is set at waived. If you wish to have an FSA in 2024, you must make an active election and state your annual contribution. You cannot make a change during the year unless you have a qualifying life event. For claims you incur during the year, your claim submission deadline is no later than 90 days after the end of the year.

Retiree Health Plan Information 

Information about Retiree Health is contained in the U.S. Employee Benefits Guide, in the Health and Dental Coverage after Retirement section. 

Here is more information regarding Retiree Health:

• Retiree Health SPD
• Retiree Health SMM effective January 1, 2019
• Retiree Health SMM effective January 1, 2020
• Aetna Comprehensive Medical Plan Plan Summary, Plan Booklet, and Schedule of Benefits (closed plan for Grandfathered group)
• United Healthcare Medicare Advantage Plan Summary effective January 1, 2023 and United Healthcare Medicare Advantage Plan Guide effective January 1, 2023  The 2024 editions are coming soon.
• Guardian Dental Retiree Summary (non-NY CBU)
• Guardian Dental Retiree Summary (NY CBU)
• Guardian Dental Retiree Certificate of Coverage (non-NY CBU)
• Guardian Dental Retiree Certificate of Coverage (NY CBU)
• Retiree Rates 2024

Annual enrollment runs from Wednesday, October 25, 2023, through Wednesday, November 8, 2023.  This is your opportunity to make benefits elections for the coming year.

Segal is a special place to work, continuing to support our health and well-being through comprehensive health and wellness benefit programs. Segal leadership’s investment in our well-being shows how Segal cares for us.

Segal will continue to pay the full cost of your Supplemental Health Care, including the Extended Health Care medical and Dental in 2024.

Segal is supporting us professionally and personally and we encourage you to review the benefit offerings and utilize programs designed to assist us on our journey toward overall well-being.

Our newest benefit changes

Add or Increase Supplemental Life, AD&D and/or LTD

We introduced The Hartford as our new life and disability vendor effective October 1, 2023.

The Hartford is offering a one-time opportunity this annual enrollment for employees not currently enrolled in supplemental insurance coverage to enroll in additional coverage up to the guaranteed issue amount without Evidence of Insurability (EOI), which is usually a health screening. The amounts are:

• Spouse life up to $10,000,
• Supplemental long-term disability, low or high option.

The Hartford is also offering the opportunity this annual enrollment to enroll in coverage subject to EOI:

• Supplemental life and/or AD&D up to the lesser of 2 times covered earnings and $250,000,
• Spouse life in increments of $10,000, up to a maximum of $50,000,
• Child life up to $10,000.

The coverage elected during annual enrollment without EOI will be effective January 1, 2024. In future years, EOI will apply to new coverage elections made during annual enrollment.

If you are currently enrolled, you still can make changes to your supplemental life and AD&D,  subject to any applicable Evidence of Insurability (EOI) requirements, or to discontinue your current supplemental coverage.

You now enroll for supplemental LTD coverage as well as supplemental life and/or AD&D and spouse/child life and/or AD&D coverage, directly with the Hartford, at www.thehartford.com/benefits/enroll.

If you currently have any supplemental insurance coverage, please register at The Hartford to confirm your coverage, demographic, dependent and beneficiary information, as applicable, is correct or add any missing information needed, or to enroll or make changes or discontinue current coverage.

Your user ID is your employee ID and your initial password is your initials followed by your date of birth in MMDDYYYY format. You may receive emails directly from The Hartford at EmployeeBenefits@MarketWORKS.TheHartford.com and enroll@email.thehartfordatwork.com.

Basic life and disability coverage will continue to show in HRConnect.

The following valuable programs are continuing

Everyday Well-being program

With the Everyday Well-being wellness program you can get reimbursed for a wide range of expenses that support your health and wellbeing, including health club membership, purchase of exercise equipment and fitness trackers and financial planning services by a qualified financial planner. Don’t miss out on this easy way to cover up to $600 in expenses! Review the program guidelines and be sure to submit any year’s claims for reimbursement by March 31 of the following year. Join your co-workers who are in pursuit of healthy living by submitting claims and receiving reimbursements under the Everyday Well-being program.

TELUS Health Employee Assistance Plan (EAP)

The EAP provides free confidential services including basic consultations, short-term counseling and referrals. You may receive up to 8 short-term counseling sessions per issue per year. If long-term or specialized treatment is needed, the EAP will help you find the best resource for your situation, using your health benefit program whenever possible.

3^rd virtual health fair

Join us for our third virtual health fair! Speak directly with representatives from our benefit vendors and learn about the ways Segal supports your physical, mental and financial wellness and enter the raffle for fun prizes. Visit the virtual health fair webpage on this webiste, containing the schedule of sessions offered by our benefit vendor partners, such as the chance to ask questions to the EAP representatives. Complete the raffle entry for a chance to win a raffle prize from one of our benefit vendor partners. The deadline for entries is November 8, 2023.

Review 2024 coverage and contributions

Please set aside time now to review details of the 2024 coverage as well as the contribution rates for 2024, to make sure you’re enrolled in the right plans and taking full advantage of all that is offered.

The updates to our plans are highlighted above; you can learn more about them on this 2024 benefits microsite. The elections you make during annual enrollment will take effect on January 1, 2024, and remain in place throughout the 2024 calendar year unless you have a qualifying life event, such as marriage, divorce, or the birth of a child. However if EOI is still pending for life, AD&D or LTD insurance as of January 1, 2024, that coverage will take effect upon the approval of EOI rather than on January 1.

Learn More

Watch the recorded webinar to learn more.

Your enrollment checklist

1. Know your options and costs. Review your current benefit elections in HRConnect. Access HRConnect through OKTA on SegalNet, click on Me, then on Benefits.
2. Reexamine your supplemental and spouse/child life and accidental death & dismemberment (AD&D) and supplemental long-term disability insurance needs. Log in to or register at thehartford.com/benefits/enroll to enroll in or make changes to your supplemental life or enroll in spouse/child life and/or AD&D and supplemental long-term disability insurance, review your beneficiary designations for supplemental life insurance, and see your costs for 2024, by November 8, 2023.
3. Enroll through HRConnect, and complete your annual enrollment elections, by November 8, 2023.
   • Verify that each of your family members’ names and corresponding Social Insurance numbers on file are correct. To check this information, access HRConnect through OKTA.
   • Update your personal information and beneficiary designations. If you have recently married, divorced, had a child, or experienced any other relevant family change, make sure your records are updated. It’s also important that you designate a basic group life insurance beneficiary if you haven’t done so.

Don’t wait until the last minute to enroll!

While we’re all very busy, please don’t wait until the last minute to enroll in 2024 benefits. And please ensure your time zone in HRConnect is correctly set to your local time, so that your ability to make annual enrollment elections in HRConnect does not end earlier due to an inaccurate time zone. Instructions are available on the 2024 benefits microsite.

What happens if you don’t enroll?

You must enroll if:

• You want to make any changes to your coverage
• If you have duplicate dependents listed in HRConnect and want to eliminate the duplicate records. Please do so by following the instructions for deleting duplicate dependents posted on the 2024 benefits microsite
• If you want an electronic beneficiary designation (rather than paper record) for your basic group life insurance.

If you are not affected by the above, you do not need to take any action to update your benefit elections. However, you must still review your:

• Elections in HRConnect during annual enrollment and keep a record of them (print to paper or to a file)
• Elections in HRConnect after annual enrollment ends and keep a record of them (print to paper or to a file), and
• Paycheck contributions for the 1^st payroll of 2024.

Ensure they are all correct. Report any discrepancies to Janet Arce and Mandy Singh no later than January 31, 2024.

 

 

Supplemental Health Care

Segal provides a Supplemental Health Care Benefits Program, including extended health care and dental care, designed to supplement provincial health insurance coverage.

The Extended Health Care provides benefits designed to supplement provincial health insurance coverage.  Supplemental healthcare benefits also include dental benefits.  For a description of Extended Healthcare and Dental Care, please see the Benefits Summary. Once you are enrolled you may also see full details via Manulife.

As a reminder, your Extended Health Care includes Akira Healthcare Online. You have 24/7 secure access to Canadian healthcare professionals from your mobile device or computer.  Sign up if you haven't already

Life and AD&D Insurance and Disability Insurance

Segal provides basic group term life and AD&D insurance to eligible Canada employees, who may also enroll in supplemental life and AD&D insurance as well as spouse and/or child life insurance. Additionally, Segal provides short-term disability and basic long-term disability benefits to eligible Canada employees, who may also enroll in supplemental long-term disability insurance.

The Hartford is offering a one-time opportunity this annual enrollment for employees not currently enrolled in supplemental insurance coverage to enroll in additional coverage up to the guaranteed issue amount without Evidence of Insurability (EOI), which is usually a health screening. The amounts are:

• Spouse life up to $10,000,
• Supplemental long-term disability, low or high option.

The Hartford is also offering the opportunity this annual enrollment to enroll in coverage subject to EOI:

• Supplemental life and/or AD&D up to the lesser of 2 times covered earnings and $250,000,
• Spouse life in increments of $10,000, up to a maximum of $50,000,
• Child life up to $10,000.

The coverage elected during annual enrollment without EOI will be effective January 1, 2024. In future years, EOI will apply to new coverage elections made during annual enrollment.

If you are currently enrolled, you still can make changes to your supplemental life and AD&D,  subject to any applicable Evidence of Insurability (EOI) requirements, or to discontinue your current supplemental coverage.

You now enroll for supplemental LTD coverage as well as supplemental life and/or AD&D and spouse/child life and/or AD&D coverage, directly with the Hartford, at www.thehartford.com/benefits/enroll.

If you currently have any supplemental insurance coverage, please register at The Hartford to confirm your coverage, demographic, dependent and beneficiary information, as applicable, is correct or add any missing information needed, or to enroll or make changes or discontinue current coverage.

Your user ID is your employee ID and your initial password is your initials followed by your date of birth in MMDDYYYY format. You may receive emails directly from The Hartford at EmployeeBenefits@MarketWORKS.TheHartford.com and enroll@email.thehartfordatwork.com.

Basic life and long-term disability coverage will continue to show in HRConnect.

 

The amount you pay for medical coverage depends on

1. The plan you select,
2. The coverage tier you select (Employee Only, Employee Plus One, or Employee Plus Family), and
3. Your salary.

The cost of coverage is the price tag. Segal provides you medical flex credits to offset the price tag. Flex credits are allocated by salary band:

Annual Salary                     Monthly Flex Credit  

Under $77,000                    $424  

$77,000-$134,999              $400

$135,000-$199,999            $376

$200,000 and above           $352

The chart below shows how much you will pay for medical coverage each month based on your salary band, after the flex credits are deducted from the price tag. It also compares pricing for all available medical plans, including those plans that may be outside of your area. All rates are monthly and effective January 1, 2024.

When you log in to HRConnect to elect your medical coverage for 2024, you will see your pay-period cost (the monthly price tag less the flex credit, divided by two). HRConnect also shows the full pay-period price tag and the flex credit. On your paystub, you will see the pay-period price tag and the pay-period flex credits (all flex credits are added together on paystubs). The price tags less the flex credits equal your net out-of-pocket cost. 

Note for Part-time Employees: if you are working less than the standard office hours, your medical flex credits will reflect the percentage of hours you work. For example, if you are working a 60% schedule and your salary is between $77,000-$134,999, your medical flex credits will be 60% of $400, or $240 per month. As such, the chart below will NOT have your correct net out-of-pocket cost. For your out-of-pocket cost, review your benefit enrollment in HRConnect.

Note for Employees who Waive Medical Coverage: You must re-select the medical waiver each year.  You must attest to having other minimum essential coverage at least every plan year in which you waive coverage. 

The amount you pay for dental coverage depends on

1. The coverage tier you select (Employee Only, Employee Plus One, or Employee Plus Family), and
2. Your salary.

The cost of coverage is the price tag. Segal provides you dental flex credits to offset the price tag. Flex credits are allocated by salary band:

Annual Salary                     Monthly Flex Credit  

Under $77,000                    $60  

$77,000-$134,999              $57

$135,000-$199,999            $54

$200,000 and above           $51

The chart below shows how much you will pay for dental coverage each month based on your salary band, after the flex credits are deducted from the price tag. All rates are monthly and effective January 1, 2024.

When you log in to HRConnect to elect your dental coverage for 2024, you will see your pay-period cost (the monthly price tag less the flex credit, divided by two). HRConnect also shows the full pay-period price tag and flex credit. On your paystub, you will see the pay-period price tag and the pay-period flex credits (all flex credits are added together on paystubs). The price tags less the flex credits equal your net out-of-pocket cost. 

Note for Part-time Employees: if you are working less than the standard office hours, your dental flex credits will reflect the percentage of hours you work. For example, if you are working a 60% schedule and your salary is between $77,000-$134,999, your dental flex credits will be 60% of $57, or $34.20 per month. As such, the chart below will NOT have your correct out of pocket cost. For your out of pocket costs, review your benefit enrollment in HRConnect.

The chart below shows how much you will pay for vision coverage each month beginning January 1, 2024.

How to Enroll

Please see the enrollment instructions below, or view this video for detailed enrollment instructions.

Enrollments via HRConnect

You can make your 2024 Benefit Enrollment elections for medical, dental, vision, FSA, HSA, Basic group life beneficiary designations, basic long-term disability taxability from any computer that has access to the Internet, by logging on to http://segalco.okta.com/. 

From OKTA, select the HRConnect icon, then Me, then Benefits, and then you may:

• Make changes
• People to cover (view and/or create contacts for beneficiaries, dependents, emergency contacts).  If you're adding new contacts, the effective start date should be the date you're making the change, not the date you want the coverage to begin for the new contact.
• Continue (view current and make future elections). Select the applicable coverage (for example, Medical/Dental, Vision, etc.) and select Edit to make changes.  To attach applicable dependents to your medical, dental, and/or vision plans, after selecting Edit, select the pencil to check off who you want to cover. For Basic Group Life, after selecting Edit, select the pencil to designate your beneficiaries.
• Submit-you must hit the SUBMIT button or your elections will not go into effect.
• Print-print a confirmation statement which will show your coverage elections and costs. 

Basic life and disability coverage, and the flex credit you receive toward the purchase of supplemental life insurance, show in HRConnect.

You can complete open enrollment changes in HRConnect as many times as you want during the annual enrollment period.  Once the period is over, you will not be able to make any new elections for January 1.

Enrollments via The Hartford

You now enroll for supplemental LTD coverage as well as supplemental life and/or AD&D coverage, directly with the Hartford, at www.thehartford.com/benefits/enroll. Prior supplemental long-term disability elections that previously showed in HRConnect have been transferred to The Hartford.

If you currently have any supplemental insurance coverage, please register at The Hartford to confirm your coverage, demographic, dependent and beneficiary information, as applicable, is correct or add any missing information needed, or to enroll or make changes or discontinue current coverage. Your user ID is your employee ID and your initial password is your initials followed by your date of birth in MMDDYYYY format. You may receive emails directly from The Hartford at EmployeeBenefits@MarketWORKS.TheHartford.com and enroll@email.thehartfordatwork.com.

Segal provides an Employee Assistance Program (EAP) to assist employees and their families with personal and work-life concerns. The EAP is available at no cost to employees and family members and employs trained professionals at locations throughout the United States and Canada.

If you or members of your family have personal problems including but not limited to marital, emotional, substance abuse, financial or legal concerns, Segal encourages you to take advantage of the EAP's services.

Basic consultations, short-term counseling, and referrals are prepaid by Segal.  If long-term or specialized treatment is needed, the EAP will help you find the best resource for your situation, using your health benefit program whenever possible.

Contact the TELUS Health EAP:   

• Toll-free by phone 844-664-0379, 24 hours a day, seven days a week, 365 days of the year: Connect with a professional consultant for support, strategies, tools, and referrals.
• Online at one.telushealth.com with Username: segal, Password: consult. Access hundreds of articles, e-books, audio recordings, assessments, toolkits, and more.
• By free mobile app (for iOS & Android). Simply search for “TELUS Health One”. Open the app, click on ‘Log in’ and enter your log-in credentials. Username: segal, Password: consult.

Get to know the TELUS Health EAP: 

• Welcome to TELUS Health EAP
• TELUS Health EAP Overview
• TELUS Health EAP App

Short intro-videos:

• English (North America)
• Spanish
• French Canadian

The Resolutions Program provides a reward for completion of a health assessment. Health assessments provide both you and your health care plan with important information about your health. More importantly, the assessment is about you and for you—giving insight into your current state of health, what you’re doing right, and what you can do to improve your health. All information is kept confidential by the health plan, and is not disclosed to Segal.

• Complete the health assessment offered by your health plan and receive up to $100 per calendar year
• Have your spouse/spousal equivalent complete one, too, and receive up to $50 per calendar year

Payments are considered taxable income to eligible employees.

Resolutions program eligibility

Segal U.S. regular employees (excluding temporary Special Project Workers and Interns) regularly scheduled to work at least 60% of their office’s standard work hours and with at least 90 days of benefits-eligible service are eligible for the Resolutions Program.

Reward amounts

The maximum reward for any eligible employee under the Resolutions Program in a single calendar year is $150 if full-time or $90 if part-time, comprised of a maximum $100 for your completion of a health assessment if you’re full-time or $60 if you’re part-time and $50 for your spouse/spousal equivalent completion of a health assessment if you’re full-time or $30 if you’re part-time. 

Submitting an application for a reward

Complete the Resolutions Program Reward Application and submit it along with the required supporting documentation by email to Janet Arce and Mandy Singh in HR – Benefits. The deadline for submission of an application for a reward for health assessment completed in any calendar year is December 31 of that calendar year.

Full program details and application

The program outline and reward application will be located in Templafy in 2024.

 

The Everyday Well-being program provides reimbursements for up to $600 per year for any combination of eligible expenses related to:

• Healthy living
• Childcare or eldercare
• Adoption
• Financial planning
• Legal assistance
• Funeral services for an immediate family member

You have until March 31 of the following year to file a request for reimbursement for an Everyday Well-being program purchase in the prior year. The amount reimbursed is considered taxable income to you at the time of reimbursement and will be reduced by the necessary taxes before payment is made to you.

Use the Everyday Well-being claim form to request reimbursement.

Student Loan Repayment 

As a regular employee who is regularly scheduled to work at least a 60% schedule of your office’s standard work hours, you are eligible for the Student Loan Repayment after 90 days of benefits-eligible service.

If you are a full-time employee, Segal will reimburse you up to $500 per year—up to $2,500 total—to help pay back your student loans. Part-time employees may be reimbursed up to $300 per year for a total of $1,500.

The reimbursement may not be used for parent loans or for parents who cosigned on a student loan.

You have until March 31 of the following year to file requests for reimbursement, but the calendar year maximum cannot be carried over into the next year. The amount reimbursed may be considered taxable income to you at the time of reimbursement and will be reduced by the necessary taxes before payment is made to you.

Use the student loan repayment claim form to request reimbursement.

Home Purchase Reimbursement 

Buying a home can be an exciting time, and it almost always comes with a long list of expenses, from closing costs and transaction fees to paying for movers and new housewares. As a regular employee who is regularly scheduled to work at least a 60% schedule of your office’s standard work hours, you are eligible for the Home Purchase Reimbursement after 90 days of benefits-eligible service. If you are a full-time employee, Segal will celebrate your new home with a reimbursement of $1,000 toward the purchase of your primary residence. Part-time employees may receive $600.

​You may receive the home purchase reimbursement once during your time at Segal.

You have until March 31 of the following year to file a request for reimbursement for a home purchase in the prior year. The amount reimbursed is considered taxable income to you at the time of reimbursement and will be reduced by the necessary taxes before payment is made to you. 

Use the home purchase reimbursement claim form to request reimbursement.

 

Burnalong wellness program, effective October 25, 2023, for U.S. employees

Register for Burnalong to access thousands of live and on demand classes and wellness programs spanning physical, mental and financial wellness. Get motivation from friends and family members you invite to join in. Receive AI-powered guidance plus access anytime, anywhere. To activate your free Burnalong account complements of Segal, go to www.join.burnalong.com/segal.

• Burnalong Welcome
• Adding Family and Friends
• Burnalong Customer Care

Burnalong+

You can also upgrade your membership and gain access to participating fitness locations for a flat monthly rate, currently $29. You could visit multiple gym locations with one subscription and try any participating gym.

• Burnalong+