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	<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN">
	<HTML>






	<HEAD>
	<TITLE>Voluntary Benefits</TITLE>
	<meta http-equiv="Content-Type" content="text/html; charset=UTF-8">
	<meta name="description" content="">
	<meta name="keywords" content="">
	<style type="text/css">
		@import url(default.css);
	</style>
	<script type="text/javascript">
	//<!--
		// This API is used here and by the Google Module.  No need to render it twice.
		var gaJsHost = (("https:" == document.location.protocol) ? "https://ssl." : "http://www."); 
		document.write(unescape("%3Cscript src='" + gaJsHost + "google-analytics.com/ga.js' type='text/javascript'%3E%3C/script%3E"));

		function loadGoogleTracker()
		{
			try
			{
				var pageTracker = _gat._getTracker("UA-3675414-19");
				pageTracker._trackPageview();
			}
			catch (ex) {}
		}	// loadGoogleTracker
		
		function searchSubmit(f)
		{
			if (sm_ValidateForm(f))
			{
				f.action = f.action + "&action=list&q=" + escape(f.keywords.value);
				return true;
			}
			else return false;
		}	// searchSubmit
	//-->
	</script> 
	
				
<script type="text/javascript">
//<!--
var ns4 = (document.layers);
var ie  = (document.all);
var ie4 = (ie && !document.getElementById);
var ie5 = (ie && document.getElementById);
var ns6 = (!ie && document.getElementById);

var aryMoused = new Array();
var aryLayerMoused = new Array();
var aryMoImages = new Array();
var imageList = new Array();
var runMouseOvers = true;
var TimerID = null;
var iLimit = 25;
var itmp = 0;

var nbTime = 100;
var nbTimes = 2;
var nbThisLoc = 325;
var aryLayerNames = new Array();
var aryNavBarLayerInfo = new Array();
var aryNavBarLayers = new Array();

var registeredObjects = new Array();
var viz = "hide";

function MOImage() {
	var arg = MOImage.arguments;
	this.ptrImage = BillzNavBarMM_findObj(arg[0]);
	this.imageMO = new Image();
	this.imageMO.src = arg[1];
	this.HTMLname = arg[0];
	this.Moused = false;
	this.OriginalSrc = '';
	return true;
}

function BillzImagePreload() {
	// 0) html image name 1) mo image src 2)image Name for rollover key (rollover may have multiple mos for one html Image) 
	var arg = BillzImagePreload.arguments;
	nbImagePreload(arg[0], arg[1], arg[2]);
}

function nbImagePreload(img_name, mo_img_src, rollover_key_img_name) {
	var imageKey = (rollover_key_img_name.length > 0) ? rollover_key_img_name : img_name;
	imageList[imageList.length] = imageKey;
	if (!(aryMoImages[imageKey])) aryMoImages[imageKey] = new MOImage(img_name, mo_img_src);
}

function BillzMouseover() {
	var arg = null;
	if (runMouseOvers) {		
		arg = BillzMouseover.arguments; //args 0)ImageName 1)OriginalSrc 2)array index (caller imagename)		
		nbMouseover(arg[0], arg[1], arg[2]);
	}
	return true;
}
// args 1) ImageName 2) OriginalSrc 3) array index (caller imagename)
function nbMouseover(img_name, orig_src, img_key) {
	var imageKey = null;
	var o = null;
	if (runMouseOvers) 
	{				
		imageKey = (img_key.length > 0) ? img_key : img_name;
		if (!(aryMoImages[imageKey].ptrImage)) aryMoImages[imageKey].ptrImage = BillzNavBarMM_findObj(img_name);		
		if (aryMoImages[imageKey] && (o = aryMoImages[imageKey].ptrImage)) {
			aryMoImages[imageKey].OriginalSrc = orig_src;
			aryMoImages[imageKey].Moused = true;
			o.src = aryMoImages[imageKey].imageMO.src;
		}
	}
	return true;
}

var NavBarTempOnload = null;
if (window.onload && window.onload != null) NavBarTempOnload = window.onload;

function FullyLoaded() {
	if (NavBarTempOnload != null) NavBarTempOnload();
	runMouseOvers = true;
	return true;
}

function BillzMouseOutTimer() {
	return nbMouseOutTimer();
}

function nbMouseOutTimer() {
	if (TimerID) clearTimeout(TimerID);
	TimerID = setTimeout("nbLayerRestore()",5000);
	return true;
}

function RestoreAll() {
	nbMouseoverRestore();
	nbLayerRestore();
	return true;
}

function BillzMouseoverRestore() {
	return nbMouseoverRestore();
}

function nbMouseoverRestore() {
	var i = 0;
	var o = null;
	if (runMouseOvers) {
		for (i = 0; i < imageList.length; i++) {
			if (aryMoImages[imageList[i]].Moused && (o = aryMoImages[imageList[i]].ptrImage)) {
				o.src = aryMoImages[imageList[i]].OriginalSrc;
				aryMoImages[imageList[i]].Moused = false;
			}
		}
	}
	return true;
}

function BillzLayerRestore() {
	return nbLayerRestore();
}

function nbLayerRestore() {
	var i = 0;
	for (i = 0; i < aryLayerNames.length; i++) {
		if (!aryNavBarLayerInfo[aryLayerNames[i]].isDefault) BillzNavBarRestoreLayers(aryLayerNames[i]);	
	}
	return true;
}

function BillzArrayPushUnique(aryArray, varNewElement) { //only pushes if unique value
	var pushIt = true;
	var i = 0;
	for (i = 0; i < aryArray.length && pushIt; i++) {
		pushIt = (varNewElement != aryArray[i]);
	}
	if (pushIt) BillzArrayPush(aryArray, varNewElement);
	return pushIt;
}

function BillzArrayPush(aryArray, varNewElement) { //Implement Array Push 'cause IE cant handle it
	aryArray[aryArray.length] = varNewElement;
	return true;
}
function BillzArrayPop(aryArray) { //Implement Array Pop 'cause IE cant handle it before 5.5
	var varItemToPop = null;
	if (aryArray[aryArray.length - 1]) {
		varItemToPop = aryArray[aryArray.length - 1];
		aryArray[aryArray.length] = null;
	}
	return varItemToPop;
}

function getDivRef(id) {
	var divref;
	if(ns4) divref = document.layers[id];
	else if(ie4) divref = document.all[id];
	else if(ie5 || ns6) divref = document.getElementById(id);	
	return divref;
}

//v3.0 name changed to avoid clash with possible other JS in content, this function complements of MM Dreamweaver
function NavBarSwapRollover(swapimage,defaultimage,imageID) {
	if(imageID.length > 0 && document.getElementById(imageID))
	{
		if(swapimage.length > 0) 
			document.getElementById(imageID).src = "images/" + swapimage;
		else
			document.getElementById(imageID).src = "images/" + defaultimage;		
	}
}
function BillzNavBarMM_findObj(n, d) {
	var p,i,x;
	if (ns6) x = document.getElementById(n);
	else {		
		if (registeredObjects[n]) return registeredObjects[n];
		if (!(d)) d = document;
		try {
			p = n.indexOf("?");
		}
		catch(e) {
			p = 0;
		}
		if (p > 0 && parent.frames.length) {
			d = parent.frames[n.substring(p+1)].document;
			n = n.substring(0,p);
		}
		if (!(x = d[n]) && d.all) x = d.all[n];	
		for (i = 0; !x && i < d.forms.length; i++) {
			x = d.forms[i][n];
		}
		for (i=0; !x && d.layers && i < d.layers.length; i++) {
			if (d.layers[i].id.indexOf("external_") == -1) x = BillzNavBarMM_findObj(n, d.layers[i].document);	
		}
		registeredObjects[n] = x;
	}				
	return x;
}

function BillzArrayContains() {
	var arg = BillzArrayContains.arguments;
	var foundit = false;
	var i = 0;
	for (i = 0; i < arg[0].length && !foundit; i++) {
		foundit = (arg[1] == arg[0][i]);
	}
	return foundit;
}

function NavBarRegisterLayer() {
	var arg = NavBarRegisterLayer.arguments;
	var n = arg[0];
	var d = arg[1];
	var mo = false;
	var o = null;
	if (arg[2] && arg[2] == 'MOutLayer') mo = true;
	else mo = false;
	
	if (!(BillzArrayContains(aryLayerNames, n))) {
		if (o = BillzNavBarMM_findObj(n)) {
			aryNavBarLayers[n] = o;
			BillzArrayPushUnique(aryLayerNames, n);
			aryNavBarLayerInfo[n] = new NavBarLayer(n, d, mo);
		}
	}
	return true;
}

function BillzNavBarMM_showHideLayers() {
	//v3.0 name changed, this function complements of MM Dreamweaver with customizations by Bill Heller
	var i = 0;
	var x = "";
	var obj = null;
	var v = null;
	var p = null;
	var args = BillzNavBarMM_showHideLayers.arguments;
	
	if (args[args.length - 1] != "menu") nbMouseOutTimer();
	for (i = 0; i < (args.length - 2); i += 3) {
		if (!aryNavBarLayers[args[i]]) {
			x = (args[i + 2] == 'show') ? 'hide' : 'show';
			NavBarRegisterLayer(args[i], x);
		}
		if ((obj = aryNavBarLayers[args[i]]) != null) {
			v = args[i + 2];
			aryNavBarLayerInfo[args[i]].isDefault = false;
			if (args[args.length - 1] == "restore") v = (v == 'show') ? 'hide' : 'show';
			
			if (obj.style) obj.style.visibility = (v == 'show') ? 'visible' : ((v == 'hide') ? 'hidden' : v);
			else obj.visibility = v;
		}
	}
	return true;
}

function BillzNavBarRestoreLayers() {
	var i = 0;
	var x = "";
	var obj = null;
	var v = null;
	var p = null;
	var args = BillzNavBarRestoreLayers.arguments;
	for (i = 0; i < (args.length); i++) {
		if (obj = aryNavBarLayers[args[i]]) {
			v = aryNavBarLayerInfo[args[i]].defaultVisibility;
			if (obj.style) {
				obj = obj.style;
				v = (v == 'show' ) ? 'visible' : ((v == 'hide') ? 'hidden' : v);
			}
			obj.visibility = v;
			if (!aryNavBarLayerInfo[args[i]].MOutLayer) aryNavBarLayerInfo[args[i]].isDefault = true;			
		}
	}
	return true;
}

function NavBarLayer() {
	var arg = NavBarLayer.arguments;
	this.defaultVisibility = arg[1];
	this.isDefault = true;
	this.MOutLayer = arg[2];
	return true;
}

function BillzNavMove() {
	return nbNavMove();
}

function nbNavMove() {
	var thisl = null;
	var otherl = null;
	if (thisl = BillzNavBarMM_findObj("nbScrollLayer")) {
		if (thisl.style) {
			thisl = thisl.style;
			viz = "hidden";
		} 
		thisl.top = nbThisLoc -= 3;
		if (nbThisLoc < -750) {
			nbThisLoc = 325;
			nbTimes--;
		}
	}
	if (nbTimes <= 0) {
		otherl = BillzNavBarMM_findObj("BillzLayer");
		otherl.visibility = viz;
	} else {
		setTimeout("nbNavMove()", nbTime);
	}	
	return true;
}

function NavBar_openadmin() {
	window.open('admin/','SiteAdmin','height=screen.availheight,width=screen.availwidth,scrollbars=1,toolbar=0,directories=0,status=0,menubar=0,resizable=1');
	return true;
}

window.onload = FullyLoaded;
//-->
</script>
					
<script type="text/javascript">
//<!--
				
nbImagePreload('hr_signin_1_3','images/hr_signin_on.jpg', '');
nbImagePreload('hr_faqs_1_4','images/hr_faqs_on.jpg', '');
nbImagePreload('hr_connecthome_1_5','images/hr_connecthome_on.jpg', '');
nbImagePreload('hr_careers_1_6','images/hr_careers_on.jpg', '');

//-->
</script>
<script type="text/javascript">
//<!--
function NavBar_setCookie(cookievalue,navVersion,linkID) 
{	
	var cookiename = "SLIDINGTABLE_NAVBAR" + navVersion;
	var cookieVersionname = "SLIDINGTBL_NAVBAR_VERSION";
	var cookieClear = "SLIDINGTBL_NAVBAR_CLEARCOOKIES";	
	document.cookie = cookieClear.toUpperCase() + "=false";
	if(cookievalue.length > 0)
		document.cookie = cookiename.toUpperCase() + "=" + escape(cookievalue);
	if(navVersion.length > 0)	
		document.cookie = cookieVersionname.toUpperCase() + "=" + navVersion;	
	if(linkID.length > 0)
		NavBar_setPLinkIDCookie(linkID,navVersion);		
}
function NavBar_setoLevelIDCookie(cookievalue,linkID,navVersion) 
{
	var name = "SLIDINGTBL_NAVBAR_OLEVELID";		
	if(cookievalue.length > 0)
		document.cookie = name.toUpperCase() + "=" + escape(cookievalue);	
	if(linkID.length > 0)
		NavBar_setPLinkIDCookie(linkID,navVersion);	
	if(navVersion.length > 0)	
		document.cookie = "SLIDINGTBL_NAVBAR_VERSION=" + navVersion;		
}
function NavBar_setPLinkIDCookie(linkID,navVersion)
{	
	document.cookie = "SLIDINGTBL_NAVBAR_PLINKID=" + linkID;	
	if(navVersion.length > 0)	
		document.cookie = "SLIDINGTBL_NAVBAR_VERSION=" + navVersion;
}
function NavBar_deleteCookie() 
{
	// first we'll split this cookie up into name/value pairs
	// note: document.cookie only returns name=value, not the other components
	var check_name = "SLIDINGTABLE_NAVBAR";	
	var a_all_cookies = document.cookie.split( ';' );
	var a_temp_cookie = '';
	var cookie_name = '';
	var cookie_value = '';
	var b_cookie_found = false; // set boolean t/f default f	

	document.cookie = "SLIDINGTBL_NAVBAR_VERSION=0";	
	document.cookie = "SLIDINGTBL_NAVBAR_OLEVELID=";	
	for (i = 0; i < a_all_cookies.length; i++)
	{		
		a_temp_cookie = a_all_cookies[i].split( '=' );			
		cookie_name = a_temp_cookie[0].replace(/^\s+|\s+$/g, '');
		
		//expire all cookies for every slidingTable_navbar intances.			
		if (cookie_name.toUpperCase().indexOf(check_name) == 0)		
			document.cookie = cookie_name.toUpperCase() + "=";			 	
	}	
}
		
//-->
</script>
			
				
<script type="text/javascript">
//<!--
				
nbImagePreload('hr_benefits_2_1','images/body_hr/hr_benefits_on.jpg', '');
nbImagePreload('hr_ed_training_2_2','images/body_hr/hr_ed_training_on.jpg', '');
nbImagePreload('hr_worklife_2_3','images/body_hr/hr_worklife_on.jpg', '');
nbImagePreload('hr_compensation_2_4','images/body_hr/hr_compensation_on.jpg', '');
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nbImagePreload('hr_contacthr_2_6','images/body_hr/hr_contacthr_on.jpg', '');
nbImagePreload('hr_formspolicies_2_7','images/body_hr/hr_formspolicies_on.jpg', '');

//-->
</script>
<script type="text/javascript">
//<!--
function NavBar_setCookie(cookievalue,navVersion,linkID) 
{	
	var cookiename = "SLIDINGTABLE_NAVBAR" + navVersion;
	var cookieVersionname = "SLIDINGTBL_NAVBAR_VERSION";
	var cookieClear = "SLIDINGTBL_NAVBAR_CLEARCOOKIES";	
	document.cookie = cookieClear.toUpperCase() + "=false";
	if(cookievalue.length > 0)
		document.cookie = cookiename.toUpperCase() + "=" + escape(cookievalue);
	if(navVersion.length > 0)	
		document.cookie = cookieVersionname.toUpperCase() + "=" + navVersion;	
	if(linkID.length > 0)
		NavBar_setPLinkIDCookie(linkID,navVersion);		
}
function NavBar_setoLevelIDCookie(cookievalue,linkID,navVersion) 
{
	var name = "SLIDINGTBL_NAVBAR_OLEVELID";		
	if(cookievalue.length > 0)
		document.cookie = name.toUpperCase() + "=" + escape(cookievalue);	
	if(linkID.length > 0)
		NavBar_setPLinkIDCookie(linkID,navVersion);	
	if(navVersion.length > 0)	
		document.cookie = "SLIDINGTBL_NAVBAR_VERSION=" + navVersion;		
}
function NavBar_setPLinkIDCookie(linkID,navVersion)
{	
	document.cookie = "SLIDINGTBL_NAVBAR_PLINKID=" + linkID;	
	if(navVersion.length > 0)	
		document.cookie = "SLIDINGTBL_NAVBAR_VERSION=" + navVersion;
}
function NavBar_deleteCookie() 
{
	// first we'll split this cookie up into name/value pairs
	// note: document.cookie only returns name=value, not the other components
	var check_name = "SLIDINGTABLE_NAVBAR";	
	var a_all_cookies = document.cookie.split( ';' );
	var a_temp_cookie = '';
	var cookie_name = '';
	var cookie_value = '';
	var b_cookie_found = false; // set boolean t/f default f	

	document.cookie = "SLIDINGTBL_NAVBAR_VERSION=0";	
	document.cookie = "SLIDINGTBL_NAVBAR_OLEVELID=";	
	for (i = 0; i < a_all_cookies.length; i++)
	{		
		a_temp_cookie = a_all_cookies[i].split( '=' );			
		cookie_name = a_temp_cookie[0].replace(/^\s+|\s+$/g, '');
		
		//expire all cookies for every slidingTable_navbar intances.			
		if (cookie_name.toUpperCase().indexOf(check_name) == 0)		
			document.cookie = cookie_name.toUpperCase() + "=";			 	
	}	
}
		
//-->
</script>
			
				
<script type="text/javascript">
//<!--
function NavBar_setCookie(cookievalue,navVersion,linkID) 
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                  <td width="100%" height="400" valign="top"><h1>Voluntary Benefits</h1>




		
		
		








	
	




	
	
	
	
	
	
	
	
		
		
		
		
		
		
		
	


	

	
	
	
		
		
		
			
		
		
		
	
		
		
		
	
		
		
		

		
		
		
	
		
		
		
	
		
		
		
	
		
		
		
	
		
		
		
	
		
		
		
	
		
		
		
	
		
		
		
	
		
		
		
	
		
		
		
	
		
		
		
	
		
		
			
	 
	 
	 
	 

	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	


	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
		
		
	
		

	
		

	
		

	
		

	 
	 
	 
	 
	
	
	
	
	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	
	
	
	


	
	

	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	
	
	

	
	
	
	
	

	
	
	
	
	
	
	
	

	
		
	
	
	
	
	
	
		
	
	
	

			
			
			

			
	 
	 
	 
	 

	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	


	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
		
		
	
		

	
		

	
		

	
		

	 
	 
	 
	 
	
	
	
	
	
	
	
	
	
	
	

	
	

	
	

	
	
	
	
	
	
	
	

	
	

	
	

	
	

	
	
	
	
	

	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	
	
	
	

	
	

	
	

	
	



			
	 
	 
	 
	 

	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	


	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
		
		
	
		

	
		

	
		

	
		

	 
	 
	 
	 

	
	
	
	
	
	
	
	
		
	

	
	 
	
	
	
	
	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	
	
	
	
	
	
	
	
	

	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	
	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

		
	
	
	
	
	
	
	
	
	
	

	
	

	
	

	

	
	

	
	

	
	

	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	

	
	
	
	
	

	
	

	
	

	
	

	
	

	
	

	
		
		
	
		

	
		

	
		

	
		
	
	
		
		
	
		
	
	
		
	
	
	
		
	
	
	
	
	
	
	
	

			

			
				
			
			
			
			
			
				

		
		
		
		
		
		
		
		
		
		
		
		
		
		

		
			
		
		 
		
		
		
		

		
		
		
		
		
		
		
		
		
		

		
		
		
		

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		
		
			

		
		
		
		
				
		
		
		
				
		
			
		

		
		
		
		
		
		
	
		
			
			
			
		
		
		
	
		
			
			
		

		
		
		
		
			

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		

		
					
						
		
		
				
		
		
		
		
		
				
		
		

		
		
		
		
		
		
		
		
			
			
				
			
		
		
		
		
		
			
			
		
		
		
		
		
			
			
		

		
		
		
			
			
		
		
		

		
			

			
		
		

		
		

		
				
		 
		
			
		
		
		

		
			
			
		
		
		
			

		

		
		
		
		

		
		
			

		
		
		
		

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		

		
		
		
		
				
		
		
		
				
		
			
		

		
		
		
		
		
		
	
		
			
			
			
		
		
		
	
		
			
			
		

		
		
		
		
			

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		

		
					
						
		
		
				
		
		
		
		
		
				
		
		

		
		
		
		
		
		
		
		
			
			
				
			
		
		
		
		
		
			
			
		
		
		
		
		
			
			
		

		
		
		
			
			
		
		
		

		
			

			
		
		

		
		

		
				
		 
		
			
		
		
		

		
			
			
			
				
			
			
			

		
		
		
		

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		
			

		
		
		
		
				
		
		
		
				
		
			
		

		
		
		
		
		
		
	
		
			
			
			
		
		
		
	
		
			
			
		

		
		
		
		
			

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		

		
					
						
		
		
				
		
		
		
		
		
				
		
		

		
		
		
		
		
		
		
		
			
			
				
			
		
		
		
		
		
			
			
		
		
		
		
		
			
			
		

		
		
		
			
			
		
		
		

		
			

			
		
		

		
		

		
				
		 
		
			
		
		
		

		
			

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
					
					
					
					
					

				
				
				

		

		
		
		

	
				
			
			
		

		
		
		
		
		
		
		
		
		
		

		
			
			
			
				
				
				

		
		
		
		
		
		
		
		
		
		
		
		
		
		

		
			
		
		 
		
		
		
		

		
		
		
		
		
		
		
		
		
		

		
		
		
		

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		
		
			

		
		
		
		
				
		
		
		
				
		
			
		

		
		
		
		
		
		
	
		
			
			
			
		
		
		
	
		
			
			
		

		
		
		
		
			

		

		
		
		

			
				
			
		
		
		
		
		

		
		
		
		
		
		

		
					
						
		
		
				
		
		
		
		
		
				
		
		

		
		
		
		
		
		
		
		
			
			
				
			
		
		
		
		
		
			
			
		
		
		
		
		
			
			
		

		
		
		
			
			
		
		
		

		
			

			
		
		

		
		

		
				
		 
		
			
		
		
		

		
			
			
		
		
		
			

		

		
		
		
		

		
		

		
		
		
		
		
		
		
		
		
		

		
				
					
				
			
			
			
		
		
	
		
		
		
	
		
		
		
	
		
		
		
	
		
		
		
	
		
		
		
	
	
 



 

				
	




	

	
	
	
	
	
  


	<p>The Henry Ford Health System (HFHS) Voluntary Benefits Program is designed to provide quality insurance products and services that save you both time and money. Voluntary Benefits are part of the System&rsquo;s Total Rewards Program. Total Rewards is how the system recognizes and rewards employees for their contributions to the organization&rsquo;s success.</p>
<p>HFHS full and part time benefit eligible employees as well as select union employees can enjoy special group discounted rates on home and auto, pet, legal expense and long-term care insurance.&nbsp; Premiums for the coverage(s) will be made through convenient automatic payroll deductions. You write no checks, and there are no down payments or service fees.</p>
<p>Enroll now by calling 1-866-405-7953. For additional information&nbsp;<a href="http://www.vbphfhs.net/default.htm" target="_blank"><font color="#0000ff">click here</font></a></p>
<p>For benefits available to Canadian employees&nbsp;<a href="#Canadian"><font color="#0000ff">click here</font></a></p>
<p><strong>Long Term Care Insurance&nbsp;-</strong>&nbsp;<a href="http://www.metlife.com/mybenefits" target="_blank"><font color="#0000ff">http://www.metlife.com/mybenefits</font></a></p>
<p>Long-term care is care that you or your dependents would need to help perform daily activities if you or your dependents had an ongoing illness or disability. Long-term care is not received in a hospital and it is not intended to cure a person.&nbsp; It can be received in your home, a nursing home, or other long-term care facility. This type of care isn&rsquo;t generally covered by Medical or Disability insurance.&nbsp; Long-Term Care Insurance provides financial assistance towards the cost of services associated with long-term care.&nbsp; The MetLife Long-Term Care Plan for Henry Ford Health System can help you protect your assets, maintain your independence, and provide you with choices in the level of care received if the need arises.</p>
<p><strong>Home/Auto Insurance</strong> -&nbsp;<a href="http://www.alcos.com/hfhs" target="_blank"><font color="#0000ff">http://www.alcos.com/hfhs</font></a></p>
<p>Home and auto insurance is a normal household expense. Frankenmuth Insurance Company, a Michigan based A+ Superior Rating by AM Best offers a 12% group discount on home and auto insurance exclusively for HFHS employees.</p>
<p>Some of the features of the program are:</p>
<ul>
<li>Auto&nbsp; </li>
<li>Home </li>
<li>Condominium </li>
<li>Renter </li>
<li>Fire </li>
<li>Excess liability </li>
<li>Boat and yacht </li>
</ul>
<p>Special discounts include:</p>
<ul>
<li>Anti-theft </li>
<li>Multi-policy </li>
<li>Multi-car </li>
<li>New home </li>
<li>Security discounts </li>
<li>and more... </li>
</ul>
<p>The group auto and home insurance is administered locally and exclusively by ALCOS, Michigan's leading business insurance agency.</p>
<p><strong>Pet Insurance</strong>&nbsp;-&nbsp;<a href="http://www.petinsurance.com/" target="_blank"><font color="#0000ff">www.petinsurance.com</font></a></p>
<p>For that special family member..... Pet insurance covers over 6,400 medical conditions related to accidental injuries, emergencies, poisonings, illnesses and cancer. This coverage will help you maintain the health of your pet. Coverage for dogs, cats, birds and other exotic animals is available.</p>
<p><strong>Legal Expense Insurance</strong>-<a href="http://members.araggroup.com/hfhs" target="_blank"><font color="#0000ff">http://members.araggroup.com/hfhs</font></a></p>
<p>Dealing with legal and financial issues can certainly be expensive and time consuming, but there is a simple alternative. The Ultimate Legal Plan offers comprehensive benefits. A few of the most commonly utilized features are:</p>
<ul>
<li>Tax Preparation </li>
<li>Will &amp; Trusts </li>
<li>Buying/Selling a Home </li>
<li>Financial Planning </li>
</ul>
<p>You will also have direct access to network attorneys as well as the freedom to choose any out-of-network attorney. Unlimited toll free access to telephone attorneys in any state is available.</p>
<p>Henry Ford Immigration Services determines the counsel/law firm that will process employment sponsored immigrant and non-immigrant visa classifications for HFHS.&nbsp; Obtaining individual counsel or assistance through the group legal plan available through the system's voluntary benefits program is a violation of this policy.&nbsp; If you require employment-based sponsorship, please contact Henry Ford Immigration Services for further information at 313-874-3954.</p>
<p><font size="4"><strong>Henry Ford Health System&rsquo;s Voluntary Benefits Program:</strong></font></p>
<p><a name="Canadian" title="Canadian"></a><strong>For Canadian Employees</strong></p>
<p class="MsoNormal" style="margin: 0in 0in 0pt">The Henry Ford Health System (HFHS) Voluntary Benefits Program is designed to provide quality insurance products and services that save you both time and money.&nbsp; Voluntary Benefits are part of the System&rsquo;s Total Rewards Program. Total Rewards is how the system recognizes and rewards employees for their contributions to the organization&rsquo;s success.</p>
<p class="MsoNormal" style="margin: 0in 0in 0pt 0.5in">&nbsp;</p>
<p>HFHS full and part time benefit eligible Canadian employees can enjoy special group discounted rates on pet insurance and legal expense insurance.&nbsp; Long-term care insurance is also available.&nbsp; Premiums for the pet and legal expense insurance&nbsp;will be made through convenient automatic payroll deductions. <span>
<p class="MsoNormal" style="margin: 0in 0in 0pt">&nbsp;</p>
<p class="MsoNormal" style="margin: 0in 0in 0pt">Enroll now by calling 1-519-796-3695 for long-term care insurance, 1-800-268-1169 for pet insurance and 1-800-247-4184 for legal insurance or clicking on the carrier links below. For additional information&nbsp;<a href="http://www.vbphfhs.net/default.htm" target="_blank"><font color="#0000ff">click here</font></a></p>
<p><strong>Long Term Care Insurance</strong></p>
<p>Due to licensing regulations between the United States and Canada, Canadian employees of Henry Ford Health System are not eligible to enroll in the Long Term Care Plan through MetLife.&nbsp;</p>
<p>In an attempt to provide a level of benefits for all our employees, Henry Ford Health System has partnered with Sun Life Financial of Canada to offer a long-term care product through Clarica.&nbsp; For additional information, contact Mr. Robert Oneschuck, a long term care specialist at 1-519-796-3695.</p>
<p><strong>Pet Insurance</strong> -&nbsp;<a href="http://www.petsecure.com/" target="_blank"><font color="#0000ff">www.petsecure.com</font></a></p>
<p>For that special family member..... Pet insurance covers over 6,400 medical conditions related to accidental injuries, emergencies, poisonings, illnesses and cancer. This coverage will help you maintain the health of your pet. Coverage for dogs, cats, birds and other exotic animals is available.</p>
<p><strong>Legal Expense Insurance</strong> -<a href="http://members.araggroup.com/hfhs" target="_blank"><font color="#0000ff">http://members.araggroup.com/hfhs</font></a></p>
<p>Dealing with legal and financial issues can certainly be expensive and time consuming, but there is a simple alternative. The Ultimate Legal Plan offers comprehensive benefits. A few of the most commonly utilized features are:</p>
<ul>
<li>Tax Preparation </li>
<li>Will &amp; Trusts </li>
<li>Buying/Selling a Home </li>
<li>Financial Planning </li>
</ul>
<p>ARAG does not have a network of attorney's in Canada. However, you can use any Canadian attorney and receive out-of-network benefits for all covered services. You also have the freedom to use an attorney in the U.S. either in or out of the network and receive the appropriate level of benefits.</p>
<p>Henry Ford Immigration Services determines the counsel/law firm that will process employment sponsored immigrant and non-immigrant visa classifications for HFHS.&nbsp; Obtaining individual counsel or assistance through the group legal plan available through the system's voluntary benefits program is a violation of this policy.&nbsp; If you require employment-based sponsorship, please contact Henry Ford Immigration Services for further information at 313-874-3954.</p>
</span></p>
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