metalworx employee benefit guide 2011

e m p l o y e e B E N E F I T s G U I D e

Your Benefits at a GlanceThis guidebook serves as a quick reference for Metalworx, Inc. employees regarding their employee benefits, costs and coverages.

p l a N Y E a r | 2 0 1 1

2 Employee Benefits Guide

Welcome to your Employee Benefits Guide for the 2011 Plan Year

Metalworx, Inc. is very proud of the organization we have built and the employees

that work for us. We believe that providing our employees with a comprehensive

and affordable benefit program contributes to a fair and competitive compensation

package. Helping you understand the benefits Metalworx, Inc. offers is important to

us. That is why we have created this Employee Benefits Guide.

Benefits Guide Overview

This guide provides a general overview of your benefit choices to help you select

the coverage that is right for you. Be sure to make choices that work to your best

advantage. Of course with choice comes responsibility and planning. Please take time

to read about and understand the benefit, plan thoughtfully, and enroll on time.

Included in this guide are summary explanations of the benefits and costs as well

as contact information for each provider.

It is important to remember that only those benefit programs for which you are

eligible and have enrolled in apply to you. We encourage you to review each

section and to discuss your benefits with your family members. Be sure to pay

close attention to applicable co-payments and deductibles, how to file claims,

preauthorization requirements, networks and services that may be limited or not

covered (exclusions). This guide is not an employee/employer contract. It is not

intended to cover all provisions of all plans but rather is a quick reference to help

answer most of your questions. Please see your Summary Plan Description for

complete details. We hope this guide will give you a clear explanation of your

benefits and help you be better prepared for the enrollment process.

Contents

Eligibility Details ............................................................................................................................................ 3

Medical Insurance .......................................................................................................................................... 4

Dental Insurance ............................................................................................................................................ 6

Voluntary Vision Insurance .......................................................................................................................7

Health & Wellness Tools .............................................................................................................................8

Important notices about your plan ...................................................................................................10

Employee Benefits Call Center ............................................................................................................. 12Wel

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Eligibility Details

Employee Benefits Hotline: 1-877-335-3066 3

Are you eligible for benefits?

To determine the benefits for which you may be eligible, please refer to the chart below. You are eligible to participate in these plans upon meeting each plan’s eligibility requirements. You also have the option to enroll your eligible dependents in some of these plans. Eligible dependents may include:

• Your spouse • Your children (dependent age limit to 26*) or when applicable, your unmarried children of any age who are incapable of self-support due to a mental or physical disability and who are totally dependent on you.

*Certain limitations apply. Please call the Employee Service Hotline for additional information, 1-877-335-3066

Benefit PlanNew Hire

Waiting Period

Medical/Prescription first of the month following 30 days

Dental first of the month following 30 days

Retirement Plan first of the month following 90 days

BENEFITS IN NETWORK OUT OF NETWORK

Deductible $1,500 Indiv. / $3,000 Family $10,000 Indiv. / $20,000 Family

Out of Pocket (amounts do not include deductible) $3,000 Indiv. / $6,000 Family $10,000 Indiv. / $20,000 Family

Co-Insurance 70% 50%

Physician Services in the Office - excluding obstetrical delivery, dialysis treatment and second surgical opinion)

$30 Copay - PCP $60 Copay – Specialist

(includes labs, xrays & in-office surgery)

Deductible, 50%

Other Physician Services Inpatient/Outpatient hospital, allergy injections, anesthesia services, pathology, obstetrical delivery, initial newborn pediatric exam and all other outpatient/office services

Deductible, 70% Deductible, 50%

Wellness Benefits – based on the Health Care Reform Guidelines refer to www.healthcare.gov

Mammograms - Must see a provider in Mammography Network and follow specified age guidelines

Pap Smear/Prostate Screening

100% N/A

Inpatient Hospital Facility Charges Deductible, 70% $500 Copay, Deductible, 50%

Skilled Nursing Facility Charges (60 days / year) Deductible, 70% $500 Copay, Deductible, 50%

Outpatient Facility Charges Deductible, 70% Deductible, 50%

Sustained Health Services Deductible, 70% Not Covered

Other ServicesHome Health Hospice Physical/Occupational Therapy

Deductible,70% Deductible, 50%

Ambulance Deductible, 70% Deductible, 70%

Emergency Room (copay waived if admitted) $200 Copay, Deductible, 70% $200 Copay, Deductible, 50%

Inpatient Facility Charges Deductible, 70% Deductible, 50%

Inpatient Professional Charges Deductible, 70% Deductible, 50%


Outpatient Professional Charges Deductible, 70% Deductible, 50%

Emergency Room Facility Charges Deductible, 70% In-network Deductible, 70%

Emergency Room Professional Charges Deductible, 70% In-network Deductible, 70%

Physician Services in the Office $30 Copay Deductible, 50%

Prescription Drug Coverage - (Includes diabetic supplies and oral contraceptives)

• Retail – 31 day supply

• GENERIC ONLY Retail – 90 day supply

• Mail Order – 90 day supply

• Specialty Drugs

(Caremark Specialty Pharmacy Only 866-513-5214)

IN NETWORK ONLY - Mandatory Generic

$10 (Generic) / $35 (Preferred) / $55 (Non-Preferred)

3 Retail Generic Copays Apply

$20 (Generic) / $80 (Preferred) / $140 (Non-Preferred)

$100 Copay

Annual / Lifetime Maximum $2,000,000 Annual Max / Unlimited Lifetime Max

Medical Plan PPO option Administered by BCBS of South Carolina


SERVICES AND SUPPLIES REQUIRING PREAUTHORIZATION

For Pre-Authorization: Call 1-800-327-3238 for the following Services:

• Durable Medical Equipment over $500, network only – prosthetics limited to $50,000 per year

• All inpatient hospital or skilled nursing facility admissions and in-patient psychiatric

• Home health care, hospice care or inpatient physical rehabilitation

• Inpatient/Outpatient psychiatric care, outpatient procedures for Chemotherapy or Radiation Therapy (one time notification), Hysterectomy, Septoplasty, all Cosmetic procedures, Investigational procedures performed in outpatient or office setting, all inpatient hospital or skilled nursing facility admissions, home health care, hospice care or inpatient physical rehabilitation, any services performed by a licensed doctoral psychologist.

• Services and supplies related to human organ and tissue transplants required to use Blue Distinction Centers of Excellence.

• Benefits will be reduced or declined if required pre-authorizations are not obtained.

• To receive pre-authorization for the following procedures: computed tomography (CT), computerized axial tomography (CAT), magnetic resonance imaging (MRI), magnetic resonance angiogram (MRA) or positron emission tomography (PET) scans. Call 1-866-500-7664

• Mental Health and Substance Abuse Services must be Pre-Authorized by CBA prior to services being rendered. Call 1-800-868-1032

Contributions to the Medical Plan PPO option per elected tier

Tier Employee Pay Period Contribution

Employee Only $52.36

Employee + Spouse $210.42

Employee + Children $175.05

Family $270.29

Medical Plan PPO option Administered by BCBS of South Carolina


Metalworx contributes $150 toward the cost of the medical plan.

BENEFITS IN NETWORK OUT OF NETWORK

Deductible $2,600 Indiv. / $5,200 Family $5,200 Indiv. / $10,400 Family

Out of Pocket (amounts do not include deductible) $0 Individual / $0 Family $5,200 Indiv. / $10,400 Family

Co-Insurance 100% 50%

Physician Services - Inpatient/Outpatient hospital and all services in the office


Wellness Benefits – based on the Health Care Reform Guidelines refer to www.healthcare.gov

Mammograms - Must see a provider in Mammography Network and follow specified age guidelines

Pap Smear/Prostate Screening

100% N/A

Inpatient Hospital Facility Charges Deductible, 100% Deductible, 50%

Skilled Nursing Facility Charges (60 days / year) Deductible, 100% Deductible, 50%


Sustained Health Services Deductible, 100% Not Covered

Other Services

Home Health Hospice Physical/Occupational Therapy


Ambulance Deductible, 100% Deductible, 100%

Emergency Room Facility Charges Deductible, 100% Deductible, 50%

Emergency Room Professional Charges Deductible, 100% Deductible, 50%

Inpatient Facility Charges Deductible, 100% Deductible, 50%

Inpatient Professional Charges Deductible, 100% Deductible, 50%


Outpatient Professional Charges Deductible, 100% Deductible, 50%

Emergency Room Facility Charges Deductible, 100% In-Network Deductible, 100%

Emergency Room Professional Charges Deductible, 100% In-Network Deductible, 100%

Physician Services in the Office Deductible, 100% Deductible, 50%

Prescription Drug Coverage

Integrated Coverage Retail – 31 day supply Mail Order – 90 day supply


Annual / Lifetime Maximum $2,000,000 Annual Max / Unlimited Lifetime Max

*ALL SERVICES/SUPPLIES ARE SUBJECT TO THE BENEFIT YEAR DEDUCTIBLE AND OUT OF POCKET MAXIMUM UNLESS OTHERWISE STATED

Medical Plan HDHP option Administered by BCBS of South Carolina


SERVICES AND SUPPLIES REQUIRING PREAUTHORIZATION

For Pre-Authorization: Call 1-800-327-3238 for the following Services:

• Durable Medical Equipment over $500, network only – prosthetics limited to $50,000 per year

• All inpatient hospital or skilled nursing facility admissions and in-patient psychiatric

• Home health care, hospice care or inpatient physical rehabilitation

• Inpatient/Outpatient psychiatric care, outpatient procedures for Chemotherapy or Radiation Therapy (one time notification), Hysterectomy, Septoplasty, all Cosmetic procedures, Investigational procedures performed in outpatient or office setting, all inpatient hospital or skilled nursing facility admissions, home health care, hospice care or inpatient physical rehabilitation, any services performed by a licensed doctoral psychologist.

• Services and supplies related to human organ and tissue transplants required to use Blue Distinction Centers of Excellence.

• Benefits will be reduced or declined if required pre-authorizations are not obtained.

• To receive pre-authorization for the following procedures: computed tomography (CT), computerized axial tomography (CAT), magnetic resonance imaging (MRI), magnetic resonance angiogram (MRA) or positron emission tomography (PET) scans. Call 1-866-500-7664

• Mental Health and Substance Abuse Services must be Pre-Authorized by CBA prior to services being rendered. Call 1-800-868-1032

Contributions to the Medical Plan HDHP option per elected tier

Medical Plan Tier Employee Pay Period Contribution


Employee + Spouse $192.34

Employee + Children $146.85

Family $249.21

Medical Plan HDHP option Administered by BCBS of South Carolina


Metalworx contributes $150 toward the cost of the medical plan.

Health Savings Account Administered by BCBS of South Carolina


BlueCross Blueshield of south Carolina does more than Cover health Care needs when memBers are siCk. we also help memBers prevent ill-nesses and identify proBlems Before they BeCome serious. we do this By providing our memBers with health-related resourCes and information.

My Health ToolkitThis online resource has a variety of tools to help you make the best decisions to better manage your benefits, your money and your health. Whether you need to locate an in-network doctor, compare the cost of prescription drugs through My Pharmacy ManagerSM or view claims information through My Insurance ManagerSM, My Health Toolkit has the resources you need. To access the following tools, visit www.SouthCarolinaBlues.com and then click on My Health Toolkit.Personal Health Record — A confidential, online tool providing a summary of all your health information, including doctor’s visits, prescriptions, lab results and much more. You also can keep track of upcoming medical appointments and print a copy of your medical history. Additional features are available, based on your benefit plan.My Insurance Manager — Log on to access real-time details on health and dental claims. Check your benefits status, view and print your Explanation of Benefits, request ID cards, e-mail questions to customer service and more.My Pharmacy Manager — Look up cost and consumer information regarding prescription drugs. These costs can have a big impact on your health care budget. In many cases there are less expensive options. By using generic alternatives, you can save money.Find a Doctor — Find a network doctor or hospital across the country and around the world.Personal Health Assessment — An online survey that helps identify risk factors and offers ways to improve your health based on your answers.Health and Wellness Tools — These tools help prevent illness and identify problems before they become serious. They include interactive tools that help you assess, plan and track your health activities. You will also find medical information, health calculators, self-care channels and nutrition guides.The BlueCard¨ ProgramThrough the BlueCard Program, you have access to a full network of doctors, health professionals and hospitals throughout the United States and worldwide. The BlueCard Program allows you to enjoy in-network discounts from health professionals when you are traveling or living out of your Blue plan’s service area.When traveling within the United States, members can enjoy the savings each local Blue plan has negotiated with physicians, health professionals and hospitals in their area. Participating U.S. physicians and facilities should file the claims on your behalf just as if you were seeing a doctor at home. The local Blue plan will forward the claim to the home plan for processing, so there is no extra paperwork for you. Pre-certification or prior authorization may be required for certain services. Call the Member Services number on your ID card for information.To find a BlueCard physician or hospital anywhere in the United States, you can call 1-800-810-BLUE (2583) or use the Find a Doctor feature available online.

Preferred Blue¨ PPO NetworkYou have the freedom to see any doctor you choose. But the cost of are received from BlueCross’ network of physicians, health professionals and hospitals is at a discount rate. And we pass these savings on to you. Plus, you will receive a higher level of benefits when you use a network provider.The Preferred Blue PPO network is the largest and most complete network in South Carolina. It includes 90 percent of the state’s doctors and hospitals.To find a Preferred Blue network doctor or hospital near you, use the Find a Doctor feature on our Web site. By paying attention to health care costs today, you can help control health care premiums tomorrow.

Natural BlueSM

BlueCross members have access to the Natural Blue discount network of complementary and alternative medicine professionals. You’ll have access to acupuncturists, massage therapists, chiropractors, exercise and movement specialists, and diet and supplemental advisors throughout the country. Through Natural Blue, you can also get information and discounts on magazines, day spas, fitness centers and products like nutritional supplements.For more information and to locate a participating provider, call 1-866-656-6070. To order discounted nutritional supplements, call 1-800-931-1709. For information on all services, visit www.SouthCarolinaBlues.com.

Weight LossThrough the Jenny Craig discount program, losing weight just got easier. Members receive discounts on memberships and the cost of food. Together with your consultant, you’ll develop a comprehensive program designed to fit your lifestyle. Just present your special member coupon or member ID card to enjoy the discounts at any participating Jenny Craig Centre.To find a location near you, call 1-800-JENNY-20 or visit www.SouthCarolinaBlues.com.

Health & Wellness Tools Administered by BCBS of South Carolina


Value-added programs and services help you take charge of your health and save money.These bonus programs complement your health plan benefits and are available to you at no extra cost. They include discounts, information and access to a variety of healthrelated products and services. Now that’s added value beyond just health insurance. It’s innovative health care designed around you.

Hearing Aid DiscountsSave up to 50 percent on hearing aids. Other benefits of the program include:- Free hearing screenings by professional audiologists and specialists - Complete follow-up care for one year - Testing by trained specialists or audiologistsVisit www.SouthCarolinaBlues.com to find a participating location.

Vision ONEYou can receive vision care discounts on designer frames, bifocals and more through the Vision ONE Eyecare Program. It’s easy. Just present your ID card to receive the discount at a participating optical center. There are no claims to file.Call 1-866-559-5252 or visit www.SouthCarolinaBlues.com to find a Vision ONE center near you.

LASIK Services and Contact LensesExplore the possibility of life without glasses or contact lenses. Laser vision correction can help correct nearsightedness and astigmatism. We’ve teamed up with eye care professionals nationwide to bring you this service at one of the most reasonable prices available. LASIK services include:- Vision exam - Corrective surgery - Pre-operative care - Post-operative care for one yearSimply show your BlueCross ID card to a participating eye care professional to receive this discount. Call 1-877-571-2020 or visit www.SouthCarolinaBlues.com for more information or to find a location near you.

Hair RestorationIf you have thinning hair, take advantage of our hair restoration discount program. Receive a discount off the cost of a hair restoration procedure that restores your own hair. Once your hair is restored, it will continue to grow naturally.Call 1-800-510-5357 or visit www.SouthCarolinaBlues.com to find a participating location or center for this special discount program and service.

Allergy ReliefSave up to 10 percent off typical retail costs for allergy relief products designed to reduce exposure to indoor allergens such as dust, pet dander and mold. Enjoy savings on the following products:- Air filters - Air cleaners - Pillow and mattress encasings - Laundry and carpet products - Hypoallergenic beddingCall 1-877-362-6283 or visit www.SouthCarolinaBlues.com to purchase allergy relief products at discounted prices.

Cosmetic SurgeryMembers can get cosmetic surgery at special rates for the most popular procedures. If you visit one of the participating cosmetic surgery providers, your rates on average will be 20 percent less than typical costs.Visit the Discounts & Added Values section of www.SouthCarolinaBlues.com for more details about our cosmetic surgery discount program.Cosmetic DentistryFor the most popular cosmetic dentistry procedures — like whitening, veneers and bridges — simply visit one of our cosmetic dentistry partners and enjoy cost savings. After paying a one-time $50 evaluation fee to the dentist, you’ll receive 20 percent savings.Visit our Web site for a complete list of procedures and to find a partner near you.

Global Health and Dental CareThese programs provide members the option of receiving medical and dental services at participating, accredited, overseas facilities at a fraction of the cost for receiving those services within the United States. Members traveling abroad receive assistance with surgical and dental services as well as travel arrangements.For more information or a listing of participating facilities, call 1-877-232-0765 or visit www.SouthCarolinaBlues.com.

Health & Wellness Tools Administered by BCBS of South Carolina


Preferred Takeover - The waiting period(s) for existing employees, including those who weren’t on the prior plan will be waived. The prior group dental plan must have been in effect continuously for at least 12 months prior to the effective date of this plan. All waiting periods will apply to future new employees.

Disclaimer: This is a summary of benefits only. Please refer to the policy for comprehensive benefit details. Payment is based upon allowable charges in the area in which the service is rendered. Any dentist charge above the allowable charge is not a covered expense.

Dental Plan Administered by Companion Life


Benefit Details

Program Deductible

Per Individual Family Limit Waived for Type I service?

$100 Lifetime No Limit

No

Type I Preventive Services

100%

oral exams, cleanings, (2 per 12 months), bitewing x-rays (1 per 12 months)

space maintainers, pain treatment, sealants, full mouth x-rays

Type II Basic Services

No Benefit Waiting Period

80%

fillings, anesthesia, simple&surgical extractions, endodontics, oral surgery periodontics

Type III Major Services

Benefit Waiting Period (12 months)

50%

crowns, inlays, onlays, dentures, bridges, implants

Contract Year Maximum $1,200

Type IV Orthodontia Child(ren) Only

Benefit Waiting Period (12 months)

Lifetime Maximum

Annual Maximum Deductible

Benefit Waiting Period

50%

crowns, inlays, onlays, dentures, bridges, implants

$1,000

None

12 months

Takeover Benefit Preferred

Contributions to the Dental Plan per elected tier (based on 26 pay periods)

Dental Plan Tier Employee Pay Period Contribution


Employee + 1 $25.77

Family $37.80

Agent contact information: Nick Boeschen Anderson Insurance Associates843-725-4937

Benefit information contact: Companion Life Insurance Company Columbia, SC 29223 1-800-753-0404 www.companionlife.com

Metalworx, Inc. 401k Profit Sharing Plan Administered by TransAmerica


Eligibility:

To participate, your must meet the following plan eligibility requirements:

• Attained age 21 • Completed 3 months of service as defined by the plan

Before-Tax Contributions:

Through payroll deduction, you may make before-tax contributions of a specific percentage subject to the limits under the plan. The Internal Revenue Code limits the amount you are permitted to defer to the lesser of 100% of your compensation of $16,500 on a before-tax basis for 2011.

Catch-Up Contributions:

If you are 50 years of age or older during the calendar year, you may be able to contribute up to an additional $5,500 in 2011 into your plan as a “Catch-Up” contribution.

Roth IRA Contributions:

You also have the option to make after-tax contributions to your Roth IRA.

Vesting:

Employer contributions will vest based on a 6 year graded vesting schedule. Less Than a Year - 0% Year 1 – 0% Year 2 – 20% Year 3 – 40% Year 4 – 60% Year 5 – 80% Year 6 - 100%

You will become 100% vested upon the following;

1 - The participant dies during the plan year 2 - The participant becomes disabled during plan year

Service Distributions are permitted for the following reasons;

1 - reach age 59 1/2 2 - become disabled 3 - reach normal retirement age

Retirement Dates:

Normal Retirement is reached at age 65

Loan Option:

The plan allows you to borrow from your participant account using your account as security. Generally, you may borrow up to 50% of your vested account balance, not to exceed $50,000. Loans are generally repaid through payroll deduction over a term of no more than five years. Loan interest is determined at the time you take the loan and is paid back to your account. Other restrictions and fees may apply and several tax law requirements must be met. Consult your Summary Plan Description for more details.

Access your account online:

www.ta-retirement.com contract ID#: 999506-00000

Access your account over the phone:

1-866-498-4557 contract ID#: 999506-00000

MEDICARE PART D CREDIBLE COVERAgE NOTICE

Prior to November 15, 2007, all employers who offer a medical plan

that provides pharmacy coverage are required to send a notice to

all plan participants who are eligible for Medicare. Because we do

not track which of our employees are eligible for Medicare, we are

meeting this obligation by providing this notice to all employees

who are eligible for our benefits program. This notice does not

apply to you if you or your dependents are not Medicare eligible. If

you or a covered dependent are Medicare eligible or will become

Medicare eligible in 2010 or 2011, this notice is important to you

and contains important, time sensitive information. Please read it

carefully and act accordingly to protect your interests.

Please read this notice carefully and keep it where you can find it.

This notice has information about your current prescription drug

coverage with Metalworx, Inc., and prescription drug coverage

available for people with Medicare. It also tells you where to

find more information to help you make decisions about your

prescription drug coverage.

• Medicare prescription drug coverage became available in 2006

to everyone with Medicare through Medicare prescription drug

plans and Medicare Advantage Plans that offer prescription drug

coverage. All Medicare prescription drug plans provide at least a

standard of coverage set by Medicare. Some plans may also offer

more coverage for a higher monthly premium.

• Metalworx, Inc. has determined that the prescription drug benefit

offered through Metalworx, Inc. medical plan is, on average for

all plan participants, expected to pay as much as the standard

Medicare prescription drug coverage and is considered creditable

coverage.

Individuals can enroll in a Medicare prescription drug plan when

they first become eligible for Medicare and each year from

November 15th through December 31st. However, because you have

existing prescription drug coverage that, on average, is as good as

Medicare coverage, you can choose to join a Medicare prescription

drug plan later. Each year after that, you will have the opportunity

to enroll in a Medicare prescription drug plan between November

15th through December 31st. If you do decide to enroll in a

Medicare prescription drug plan and want to drop your Metalworx,

Inc. prescription drug coverage you will have to drop all of your

healthcare coverage with Metalworx, Inc. since prescription drug

coverage is a part of your Metalworx, Inc. healthcare plan. Please be

aware that you may not be able to get this coverage back should

you decide to drop it.

You should compare your current coverage, including which drugs

are covered, with the coverage and cost of the plans offering

Medicare prescription drug coverage in your area. Your current

coverage pays for other health expenses in addition to prescription

drugs. You will be eligible to receive all of your current health and

prescription drug benefits even if you choose to enroll in a Medicare

prescription drug plan.

You should also know that if you drop or lose your coverage with

Metalworx, Inc. and don’t enroll in Medicare prescription drug

coverage after your current coverage ends, you may pay more to

enroll in Medicare prescription drug coverage later. If you go 63

days or longer without prescription drug coverage that’s at least

as good as Medicare’s prescription drug coverage, your monthly

premium will go up at least 1% per month for every month that you

did not have that coverage. For example, if you go nineteen months

without coverage, your premium will always be at least 19% higher

than what most other people pay. You’ll have to pay this higher

premium as long as you have Medicare coverage. In addition, you

may have to wait until the following November to enroll.

For more information about this notice or your current prescription

drug coverage, contact our customer service team for further

information at 1-877-335-3066. NOTE: You may receive this notice

at other times in the future such as before the next period you can

enroll in Medicare prescription drug coverage, and if this coverage

changes. You also may request a copy at any time.

More detailed information about Medicare plans that offer

prescription drug coverage is available in the ’Medicare & You’

handbook. You will get a copy of the handbook in the mail

every year from Medicare. You may also be contacted directly

by Medicare prescription drug plans. You can also get more

information about Medicare prescription drug plans from these

places:

• Visit www.medicare.gov.

• Call your State Health Insurance Assistance Program (see your

copy of the Medicare & You handbook for their telephone number)

for personalized help.

• Call 1–800–MEDICARE (1–800–633–4227).

TTY users should call 1–877–486–2048

For people with limited income and resources, extra help paying

for a Medicare prescription drug plan is available. Information about

this extra help is available from the Social Security Administration

(SSA). For more information about this extra help, visit SSA online

at www.ssa.gov, or call them at 1–800–772–1213

(TTY1–800–325–0778).

Remember: Keep this notice. If you enroll in one of the Medicare

approved plans offering prescription drug coverage, you may need

to provide a copy of this notice when applying for the coverage to

show that you are not required to pay a higher premium amount.

LIfETIME LIMIT ChANgE NOTICE

The lifetime limit on the dollar value of benefits under Metalworx,

Inc. no longer applies. Individuals whose coverage ended by reason

of reaching a lifetime limit under the plan are eligible to enroll in the

plan. For more information contact Blue Water Benefits at 1-877-

335-3066.

Medicare Part D Credible Coverage & Lifetime Limit Notices


DEPENDENT ChILDREN COVERAgE NOTICE

Individuals whose coverage ended, or who were

denied coverage (or were not eligible for coverage),

because the availability of dependent coverage of

children ended before attainment of age 26 are eligible

to enroll in the Metalworx, Inc. health plan. Individuals

may request enrollment for such children during open

enrollment. Enrollment will be effective January 1, 2011.

For more information contact the Benefits Hotline at

1-877-335-3066.

Your adult children can join or remain on your plan

whether or not they are:

• Married;

• Living with you;

• In school;

• Financially dependent on you;

• Eligible to enroll in their employer’s plan, with one

temporary exception: Until 2014 “grandfathered” group

plans do not have to offer dependent coverage up to

age 26 if a young adult is eligible for group coverage

outside their parents’ plan.

If you are eligible for health coverage from your employer,

but are unable to afford the premiums, some States

have premium assistance programs that can help pay for

coverage. These States use funds from their Medicaid

or CHIP programs to help people who are eligible for

employer-sponsored health coverage, but need assistance

in paying their health premiums.

If you or your dependents are already enrolled in Medicaid

or CHIP, you can contact your State Medicaid or CHIP

office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled

in Medicaid or CHIP, and you think you or any of your

dependents might be eligible for either of these programs,

you can contact your State Medicaid or CHIP office or dial

1-877-KIDS NOW or www.insurekidsnow.gov to find out

how to apply. If you qualify, you can ask the State if it has

a program that might help you pay the premiums for an

employer-sponsored plan.

Once it is determined that you or your dependents are

eligible for premium assistance under Medicaid or CHIP,

your employer’s health plan is required to permit you and

your dependents to enroll in the plan – as long as you and

your dependents are eligible, but not already enrolled in

the employer’s plan. This is called a “special enrollment”

opportunity, and you must request coverage within 60

days of being determined eligible for premium assistance.

U.S. Department of Labor U.S. Employee Benefits Security Administration www.dol.gov/ebsa 1-866-444-EBSA (3272)

Department of Health and Human Services Centers for Medicare & Medicaid Services www.cms.hhs.gov 1-877-267-2323, Ext. 61565

MEDICAID AND ThE ChILDREN’S hEALTh INSURANCE PROgRAM (ChIP) OffER fREE OR LOW-COST hEALTh COVERAgE TO ChILDREN AND fAMILIES

For more information on special enrollment rights, you can contact either:

You should contact your State for further information on eligibilitySOUTH CAROLINA – Medicaid

Website: http://www.scdhhs.govPhone: 1-888-549-0820

CHIP & Dependent Children Coverage Notices


Questions? Give us a call!

Employee Call Center

Metalworx, Inc. employees have access to a dedicated employee benefit hotline to answer questions about enrollment, coverage, claims and all other concerns regarding their employee benefit package. Our call center is staffed with trained professionals who understand your benefits plan and are dedicated to providing solutions to your problems. Its easy and its free, just call or email:

1-877-335-3066 (toll-free) Monday - Friday 9am - 5pm EST

email: [email protected]

We are here to help.

metalworx employee benefit guide 2011

Documents

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employee benefits guidewelcome

ts gu id eyour benefits

benefit choices

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benefit programs

summary plan description

affordable benefit program