2012 International Guide

8/12/2019 2012 International Guide

1/44

_exper ience the commitmentTM

CGI 2012 Open Enrollment Guide

Flexible benefits that fit our needs! "t home! "t #or$! "t pla!

FO% I&TE%&"TIO&"' MEM(E%)


2/44

*our CGI (enefitsIts important to learn about your benefits so you can make smart choices for youand your family.

Our indi+idual health and #ell,bein-. and that of our families. is the responsibilit of each of us! CGI

pro+ides +aluable benefits to help ou mana-e our health and protect our famil from the unexpected. but

it/s up to each of us to ta$e the best ad+anta-e of these plans and pro-rams! This includes ma$in- -ooddecisions #hen it comes to choosin- those benefits!

Ma$in- informed decisions can be a challen-e #hen ou ha+e man choices! This CGI (enefits Guide isdesi-ned to help ou understand our benefits. e+aluate our options and enroll in the plans that are ri-htfor ou and our famil! lease re+ie# this -uide carefull!

Our Commitment!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

)tart ere!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!3

(enefits in (rief!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 4

5ision Co+era-e Options!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!2

Flexible )pendin- "ccounts 6F)"s7!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!28

o# F)"s sa+e ou mone!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!28

)hare urchase lan !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!3

3016$7 )a+in-s lan !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 3

CGI (enefits Contact Information !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!4

29 2011 CGI G%O: I&C!


3/44

Our CommitmentCGI;s benefits pro-ram reflects our stron- commitment to pro+ide benefits that are competiti+e and cost,

effecti+e! That;s #h our 2012 benefits include a #ide ran-e of options desi-ned to meet the health and

financial needs of ou and our famil! )o be accountable. ta$e action and ma$e informed benefit

decisions!

Costs and Contributions(enefit costs are a responsibilit shared b both ou and CGI! "s medical and dental costs continue to

escalate. CGI is committed to continuin- to pa a lar-e portion of these costs! and ?@>

of the cost of medical. dental. and +ision care

premiums!

CGI also pas for 100> of basic life insurance.

basic lon-,term disabilit co+era-e. and short,

term disabilit co+era-e!

*our contributions for most benefits are made

before taxes and are deducted from our pa.

#hich reduces our federal and )ocial

)ecurit tax liabilit. often as much as 2@> or

more. dependin- on our tax brac$et!


4/44

)tart ereGeneral information you need to know about your benefits.

Current member enrollmentCurrent members enroll online durin- CGI;s annual Open Enrollment period= &o+ember 1 A 20. 2011! (esure to complete our elections before the end of Open Enrollment because there #ill be no extension! The

effecti+e date for the co+era-e ou select durin- Open Enrollment #ill be Banuar 1. 2012!

eadline to elect benefits*ou ha+e until the Open Enrollment deadline. &o+ember

20. to elect a CGI medical. dental and +ision plan. and

enroll in supplemental -roup term life insurance for

ourself and eli-ible dependents! *ou ma also choose ho# much ou;d li$e to deposit into Flexible

)pendin- "ccounts 6F)"s7 andDor a ealth )a+in- "ccount 6)"7! The choices ou ma$e are irre+ocable

and sta in effect throu-h the calendar ear,end unless ou ha+e a ualifin- chan-e,in,status e+ent. such

as marria-e or the birth of a child!

If ou don;t enroll b the deadlineIf ou do not enroll b the Open Enrollment deadline. ou #ill not ha+e an opportunit to add ourself or

dependents to medical. dental or +ision co+era-e. enroll in supplemental -roup term life insurance and

". nor participate in a ealth or ependent Care Flexible )pendin- "ccount until the next calendar

ear unless ou ha+e a chan-e,in,status e+ent. such as marria-e or birth of a child!

aroll deductions*ou pa the portion of the cost of our benefits throu-h paroll deductions made each pa period! Most

benefits #ill become effecti+e Banuar 1. 2012!

Ma$in- chan-es durin- the earConsider our benefits elections carefull before ma$in- our choices. because federal re-ulations allo#

chan-es durin- the ear onl under certain circumstances. includin-=

(irth. adoption or death of a dependent

Marria-e. di+orce or le-al separation

The be-innin- or end of a ualified domestic partnership

Gain or loss of co+era-e under a spouse/s plan

" chan-e in our emploment status that ma$es ou eli-ible for benefits

" spouse or child starts a ob that offers benefits

eath of our spouseDdomestic partner

*ou must submit a completed CGI medical. dental and +ision enrollmentDchan-e form 6a+ailable on the :!)!

Connect and Federal Connect sites or from our % representati+e7 and suppl supportin- documentation

to our local % representati+e #ithin 1 das of the date of the e+ent! "fter 1 das. ou must #ait until the

39 2011 CGI G%O: I&C!

All members may enroll in the 401(k)Savings Plan and the Share PurchasePlan any timeso why not do it today?


5/44

next annual benefits Open Enrollment period! "n chan-es to our benefits must be consistent #ith our

status chan-e! If ou experience a chan-e,in,status e+ent. ou ma=

Enroll ourself. and our eli-ible dependents. in a CGI medical. dental or +ision plan if ou #ere

co+ered under another emploer;s -roup medical. dental or +ision plan

"dd eli-ible dependents to our current CGI medical. dental or +ision plan

rop co+era-e for ourself andDor eli-ible dependents under our current CGI medical. dental or

+ision plan

*ou ma enroll dependents oinin- our famil because of birth and le-al adoption or placement for

adoption. #ith co+era-e effecti+e on the date of the e+ent. pro+ided CGI recei+es a properl

completed enrollment form. includin- documentation. #ithin 1 das of the e+ent!

For other chan-es. such as addin- a ne# spouse due to marria-e. co+era-e be-ins on the date the

properl completed enrollment form. includin- documentation of the e+ent. is recei+ed b CGI. pro+ided it is

submitted #ithin 1 das of the e+ent! In some circumstances. ou ma drop co+era-e on ourself and our

dependents. pro+ided the chan-e is consistent #ith our status chan-e and is made #ithin 1 das of

the e+ent!


6/44


7/44

(enefits in (rief

CGI 2012 (E&EFIT)(E&EFIT *O:% OTIO&) CO5E%"GE 'E5E') CO)T )"%I&G

edical includingPrescrition "rug

CIG&" International Expatriate (enefits6CIE(7

Member,onl Member spouse Member child6ren7 Member famil

CGI pasmaorit of cosfor membersand fordependents

"ental CIG&" International Expatriate (enefits6CIE(7


CGI pasmaorit of cosfor membersand fordependents

ision :C lan A )tandard or remium 5) lan A Choice &et#or$


Member paid

'ealth %are *le+ibleSending Account

:p to L8.000 per calendar ear Member and eli-ibledependents

Member paid

"eendent %are*le+ible SendingAccount

:p to L8.000 per calendar ear Eli-ible dependents Member paid

%ommuter Accounts :p to L20 per month for par$in- or masstransit

Member Member paid

,asic -i.e /nsuranceand ,asic Accidental

"eath "ismembermentA"")

1!8 times annual base salar. up to amaximum of L480.000N L20.000 minimum!

Member 100> paid bCGI

Sulemental -i.ensurance and

Sulemental A""

1 to 10 times annual base salar up to amaximum of L1.800.000

L00.000 -uarantee issued 6no e+idence ofinsurabilit reuired7

Member Member paid

%hild -i.e /nsurance L8.000 to L28.000 for each childN allamounts -uaranteed issue

Eli-ible children Member paid

Souse &erm -i.ensurance

L10.000 to L800.000N L0.000 -uaranteedissue

)pouse Member paid

mergency &ravelAssistance

Tra+el assistance for #or$ tra+el 100 milesfrom home


Short2&erm "isabilityS&")

)ic$ pa for first t#o #ee$s of base pa at100>

lan pas 100> of base pa for 3 #ee$safter a t#o,#ee$ #aitin- period

lan pas 40> of base pa for next 4#ee$s


,asic -ong2&erm"isability (-&")

30> of base salar up to L28.000 permonth. #ith 20> bu up to for a total ofJ0> to L28.000 per month

Member CGI paid= 30> Member paid=

20>

49 2011 CGI G%O: I&C!


8/44

CGI 2012 (E&EFIT)(E&EFIT *O:% OTIO&) CO5E%"GE 'E5E') CO)T )"%I&G

401(k) Savings Plan Compan match= 80> up to 3>= max match L2.800 per

ear Match made immediatel. +estin- o+er

2 earsN 80> per ear

Member CGI andMember paid

Share Purchase Plan Compan matches in emploee stoc$purchase= Mana-ers and abo+e= 100> up to !8>

"ll others= 100> up to 2!8>


&uition AssistanceProgram

Tuition reimbursed for de-ree reuiredcourses up to 100> of L8.280 per ear6after JA12 months of ser+ice7

re,appro+al reuired! (:,le+elreuirements exist!


ember Assistance

Plan

ro+ides counselin- and referrals for

personal and professional issues

Member and household

members

100> paid b

CGIPet /nsurance

Pet Assure

P/ Pet/nsurance

iscount pro-ram for out,of,poc$et pet careexpenses

"ffordable. comprehensi+e health careinsurance co+era-e for do-s. cats andexotic pets

Member and householdmembers

Member paid

3# %ollege SavingsPlan

elps ou ta$e ad+anta-e of state,sponsored plans desi-ned to let ou sa+efor the pament of colle-e tuition forourself or close relati+es


Member paid

,acku %are 5tions ro+ides lo#,cost. short,term temporarcare for lo+ed ones


Member paidhourl rate

)ubsidiKed bCGI

Adotion Assistance %eimburses up to L.000 per ear foreli-ible adoption expenses

Member )pouseDdomestic

partner

100> paid bCGI

6ou"ecide "iscountProgram

iscounts and deals for CGI members oninsurance. financial. and consumerproducts and ser+ices


"ccess topro-rampro+ided b C

dentity &he.tProtection

M )ecure "d+anta-e pro-ram pro+idesprotection for one of the fastest -ro#in-crimes todaidentit theft


Member paid

This chart is a summar of benefits for full,time and part,time non,)C" members re-ularl scheduled to #or$ at least 20 hours per#ee$! lease refer to the )ummar lan escription for detailed information!

@9 2011 CGI G%O: I&C!


9/44

CIG&" International Expatriate (enefits 6CIE(7CIG&" International Expatriate (enefits is pleased to pro+ide our health care benefits #hile ou are onassi-nment! *our satisfaction is important. and CIE( has de+eloped specialiKed health care ser+icestailored ust for ou and our co+ered famil members! ro+idin- international health care benefits is CIE(;sonl business!

lease ta$e a fe# moments to re+ie# the ser+ices offered b CIE( in this Expatriate (enefits Pit! *ou andour co+ered famil members ha+e all the ad+anta-es of CIE( ser+ices #hene+er ou need them.#here+er ou are in the #orld. includin- the :nited )tates! Peep this $it in a con+enient location to re+ie#all the ser+ices a+ailable to ou! %emember CIE( is al#as onl a phone call. fax or email a#a!

23,our "ccess to CIE(;s International )er+ice Centers


10/44

"TT :)"irectQ"ccess &umbers"TT :)"irect access numbers ma$e it eas and con+enient to call the International )er+ice Centers!"TT :)"irect access is a+ailable in man countries around the #orld! If ou happen to be onassi-nment in one of the fe# countries #here "TT :)"irect access is not a+ailable. please call CIE(collect throu-h the international operator! 5isit the "TT


11/44

"dditionall. CIG&" En+o offers an arra of health tools to help ou durin- the transition to expatriate life!The secure #ebsite has somethin- for ou #hether ou;re preparin- to lea+e for our assi-nment. or ou;+ebeen on,site for se+eral months alread!


12/44

CIE( has a full,time staff of medical directors and clinicians #ith international experience! The Globalealth )olutions Clinical Team;s expertise is full inte-rated #ith a #orld#ide net#or$ of more than .J00clinical professionals at re-ional centers throu-hout the #orld!

CIE( also offers a host of #eb,based tools and resources to expatriates see$in- to identif health ris$s andto learn #hat actions to ta$e to address their health issues!

Emer-enc Transportation


13/44

o# to :se Cle+eland Clinic Online )econd Opinion )er+ices1! CIE( expatriates and their co+ered famil members must re-ister online throu-h the lin$ on CIG&"

En+o to the Cle+eland Clinic/s secure #ebsite! atients must set up a username and pass#ord toensure secure lo-,in!

2! The co+ered famil member reuestin- a second opinion should complete a condition,specificuestionnaire and send all pertinent medical records and ori-inal materialssuch as x,ras. M%Iscans. and patholo- slidesto the clinic in Ohio. :!)!"! These records can be submitted b mail.fax transmission. or scanned email attachments! It is important to note that patients must recei+e afirst opinion re-ardin- dia-nosis and treatment prior to completin- this process!

! The patient ma as$ specific uestions about their dia-nosis durin- the process and a Cle+elandClinic phsician #ill re+ie# the submitted materials and publish a second opinion to the secureCle+eland Clinic #ebsite! This usuall ta$es about 8 to 4 das. but patients can chec$ the status ofthe opinion in a secure online en+ironment antime!

3! atients can re+ie# the second opinion and reuest that a cop be sent to their doctor or hospital!

8! " Cle+eland Clinic nurse coordinator #ill follo# up #ith each patient +ia telephone or email toensure that the he or she understands medical information pro+ided and has an opportunit to raiseuestions and address concerns!

International E"*our emploer ma ha+e purchased an International Emploee "ssistance ro-ram for expatriates andeli-ible famil members! If so. ou #ill ha+e access to telephonic beha+ioral counselin- toll,free from ourlocation! If our emploer has elected International E". refer to the insert in the bac$ poc$et of thisbenefits $it or +isit CIG&" En+o for more information!

Goin- GlobalIf ou ha+e re-istered for CIG&" En+o. CIE( #ill send ou Going Global. the uarterl ne#sletter forCIE(;s expatriates and their co+ered famil members +ia email! Going Global is a -reat resource forexpatriates! In addition to -eneral health information and announcements rele+ant to our CIE( co+era-e. italso includes articles re-ardin- maintainin- our health #hile on assi-nment. mental health #hile a#a fromhome. and li+in- #ith chronic illnesses abroad!

(e sure to pro+ide our email address #hen re-isterin- for CIG&" En+o to ensure ou recei+e GoingGlobal!

Concier-e and Tra+el "ssistance )er+icesCIE( offers Concier-e and Tra+el "ssistance )er+ices for ou and our co+ered famil members incoordination #ith International )O)!

"round the cloc$ emer-enc translation ser+ices and referrals to interpreter ser+ices in anemer-enc! 6Fees for phsical presence of a translator or customiKed ser+ices are not co+ered!7

'ost document ad+ice and information to reco+er or replace lost passport or credit cards!

Emer-enc document deli+er to a friend. famil member. or business associate upon reuest!

Emer-enc messa-e transmission ser+ice pro+ided for receipt and transmission of emer-encmessa-es bet#een expatriates and co+ered famil members #hile the are tra+elin-. #hen and#here possible!

rescription dru- assistance to obtain or replace medications! )uch assistance ma include anappointment #ith a local doctor or clinic to obtain a prescription. as #ell as arran-ements to ha+ethe prescription filled at a local pharmac! If necessar. and #here permitted b la#. arran-ementsfor shipment and transfer of a prescription to an international location are included!

19 2011 CGI G%O: I&C!


14/44

Con+alescence assistance ser+ices can pro+ide arran-ements for hotel accommodations forexpatriates or co+ered famil members related to an incident reuired emer-enc medicale+acuation. repatriation. or hospitaliKation!

'ost lu--a-e assistance and referral to appropriate authorities!

'e-al referral to local la#ers and le-al practitioners includin- contact information and appointmentarran-ements! 6"ssociated fees are not co+ered!7

Emer-enc tra+el ser+ices and assistance #ith ma$in- reser+ations for air tic$et or hotelaccommodation on an emer-enc basis #hen expatriates are tra+elin- outside their home countror countr of assi-nment! 6"ssociated fees are not co+ered!7

Embass referral and contact information of the nearest appropriate consulate and embass #ill bepro+ided upon reuest! 'e-al documentation must be a+ailable to facilitate in+ol+ement of CIE(and International )O)!

If ou are co+ered b CIG&";s medical e+acuation policies. the additional concier-e and tra+el assistanceser+ices are included=

Companion tic$et ser+ices to coordinate emer-enc tra+el arran-ements or -round transportationaccommodations for famil members #ho ma need to oin an expatriate or co+ered famil member #ho ishospitaliKed!

Coordination of emer-enc tra+el arran-ements for children under 1@ #ho are left unattended as a result ofan illness. accident. or other emer-enc #hile a co+ered expatriate is on an appro+ed business trip!


15/44

*our Eli-ibilit*our emploer has reuested that ou pro+ide detailed information about ourself and our eli-ible familmembers. includin- full name6s7. current address6es7. and email address! CIE( needs this information toprocess and pa our claims!

*ou ma re+ie# the information for accurac at CIG&" En+o!

lease notif our emploer if ou need to update our address information! *our benefits representati+e#ill inform CIE( b secure email! *ou ma also update our personal information on the CIE( secure #ebportal= www7%/89Aenvoy7com!

Enrollment Chan-es&otif our compan;s international benefits representati+e or plan administrator #ithin 1 das if ourfamil status chan-es! *our emploer must submit an Enrollment Chan-e Form #ith additions and datachan-es to CIE( +ia secure email! )tatus chan-es ma include marria-e. di+orce. or le-al separationN birth.adoption. or death of a famil memberN a chan-e in our spouse;s emploment status or a si-nificantchan-e in our spouse;s benefits! lease chec$ #ith our plan administrator for our compan;s specificpolicies and -uidelines!

Claim rocessin-irect )ettlement #ith octors and ospitals

"s a ser+ice to ou and our co+ered famil members. there are thousands of health care facilities aroundthe #orld that accept direct settlement and -uarantee of pament arran-ements for claims. and man ofthem offer si-nificant discounts! Inform our doctor that ou ha+e insurance co+era-e that pas directl.uic$l. and in local currenc! CIE( #ill e+en #ire transfer directl to the ban$ account of the doctor orhospital. if this is preferable!

If a direct settlement or -uarantee of pament has been issued. the health care professional or facilitshould submit the claim to be reimbursed follo#in- treatment or ser+ices!

*our CIE( health co+era-e reuires that ou file a claim for a health care +isit in order to

recei+e reimbursement!The claim form pro+ides CIE( #ith important reimbursement instructions. suchas #here to send reimbursement. tpe of currenc. and method of reimbursement! Fill out our claim formas completel as possible and si-n. date. and submit it to CIE( #ith itemiKed bills!

Once ou ha+e recei+ed treatment. ou must fill out a claim. then si-n. date. and submit it to CIE(. alon-#ith itemiKed bills! *ou ma si-n the appropriate section of our claim form authoriKin- direct pament to adoctor or a hospital follo#in- treatment!

I* cannot make payments or reimbursements in violation of applicable local law.

Filin- Claims Inside the :!)!


16/44

If ou choose to submit the claim b fax. use CIE(;s international free fax= "TT irectQ access number1!@00!23!J??@. or direct fax 1!02!4?4!180!

If ou prefer to send our claims +ia international mail or carrier. please reco-niKe that reliabilit of postalser+ice +aries b countr. #hich ma result in delas or loss of documentation! 6"l#as $eep copies of ourclaims and supportin- documentation!7

ament OptionsCIE( offers a +ariet of con+enient pament methods=eament +lus%eament +lus is a robust. inte-rated. and accurate process that includes automatic email notification ofpaments directl into a ban$ account ou maintain in a -i+en countr. re-ardless of #here ou are onassi-nment! *ou can uic$l and easil self,enroll in eament +lus on CIG&" En+o! eament +luscomplements the "utomated Clearin- ouse sstem. a+ailable in the :!)! The eament +lus pro-ramremo+es or minimiKes char-es often applied b our ban$. and paments are sent to our ban$ #ithin 23 to3@ hours upon appro+al of our claim! Email notification of pament is sent directl to ou +ia CIG&" En+osecure mail. and an Explanation of (enefits 6EO(7 is mailed to ou at the address ou pro+ide on a claimform!

eament +lus is currentl a+ailable in the follo#in- countries 6paments are made onl in the currenc of

the countries listed7=

(el-ium

Canada

France

on- Pon-

German

&etherlands

ortu-al

)in-apore

)pain

:nited Pin-dom

Tips to Expedite Claim rocessin-= Fill out our claim form completel! "n incomplete form ma dela processin-!

Complete separate claim forms for each famil member/s medical ser+ices!

ro+ide a dia-nosis or explanation of treatment on the claim form!

Fax or email our form 6usin- CIG&" En+o secure messa-in-7 instead of mailin- it!

)a+e copies of our bills. receipts. and claim forms!

Clearl state ho# ou #ould li$e to be reimbursed. #here ou/d li$e our reimbursement issued.and in #hat currenc ou #ould li$e our reimbursement issued!


17/44

*ou ha+e the option of recei+in- pament in :!)! dollars. our home countr currenc. our host countrcurrenc. or the currenc of the countr #here ou recei+ed medical or dental ser+ices! If our doctorreuires pament in local currenc. please indicate this on our claim form!

Explanation of (enefits%e-ardless of the pament method ou choose. ou can +ie# our Explanation of (enefits statements6EO(s7 on CIG&" En+o. or +ie# the paper EO( sent in the mail!


18/44

amount of +isits to certain tpes of specialists are co+ered b our benefits plan7! If ou ha+e a uestionabout a specific treatment. contact the International )er+ice Center to inuire about our specific plan ofbenefits. refer to our plan certificate boo$let. or contact our plan administrator!

Medical option= $e features

Plan *eatures /n29etwork 5ut2o.29etwork

5..ice services

rimar Care hsician ?0> 40>

)pecialist ?0> 40>

Preventive %are 100> 100>

'osital services

Co,insurance 6plan pas after

annual deductible is met7?0> 40>

mergency :oom Services L200 L200

Medical option= out,of,poc$et costs

Plan *eatures /n29etwork 5ut2o.29etwork

%alendar year deductible

Member,onl co+era-e L280 L800

Member dependents L800 L1.800

%o2insurance

6plan pas after deductible is

met7

?0> 40>

5ut2o.2ocket ma+imum

Member,onl co+era-e L1.800 L.000

Member dependents L.000 L?.000

1@9 2011 CGI G%O: I&C!


19/44

rescription coinsurance co+era-e= International Option

Prescrition &ier /n29etwork 5ut2o.29etwork

Tier 1 ?0> 40>

Tier 2 ?0> 40>

Tier ?0> 40>

1?9 2011 CGI G%O: I&C!


20/44

entalental co+era-e is partof our benefits! *ou ha+e the freedom to choose an licensed dentist! *ou maaccess the CIE( directories of :!)! and international prescreened dentists +ia CIG&" En+o! CIE(encoura-es ou to a+oid maor restorati+e treatment b seein- our dentist re-ularl for routine care!

Note: CIG&" ental &et#or$ health care facilities in the :!)! offer discounts for co+ered ser+ices! CIE(dental co+era-e reimburses reasonable and customar char-es for routine dental exams and medicallnecessar care. but not for cosmetic #or$! Once ou reach the calendar ear maximum in our dental plan.expenses #ill not be co+ered for the remainder of the ear! If ou ha+e a uestion about a specifictreatment. contact the International )er+ice Center!

ental option= $e features

Plan *eatures /n29etwork;5ut2o.29etwork

Preventive Services6oral exams. cleanin-s. fluoride. x,ras. sealants7

100>

inor :estorative Services

6fillin-s. oral sur-er. root canals.periodontic. space maintainers7

@0>

a

5rthodontics

80> #ith L80 deductible and a lifetime maximum of

L1.800

ental option= Out,of,poc$et costs

Plan *eatures /n29etwork;5ut2o.29etwork

%alendar 6ear "eductible

Member onl co+era-e L80

Member dependents L180

%alendar 6ear a+imum ,ene.it L1.800

5rthodontia -i.etime a+imum L1.800

Glossar of TermsIn this -lossar. CIE( defines man of the terms ou;ll find in our Explanation of (enefits 6EO(7!

209 2011 CGI G%O: I&C!


21/44

,ene.it Amount! The amount paid to ou or our health care facilit! *ou ma ha+e to satisf adeductible 6see pa-e 127. and ou ma also be responsible for copaments or coinsurance!

,ooklet or %erti.icate! The CIE( readin- material that describes all of the medical and dentalbenefits that our emploer has elected to co+er for its international emploee! These benefitsinclude the coinsurance. copament. and deductible amounts #hile ou are on internationalassi-nment!

%oinsurance! The portion of the cost of an medical ser+ices ou must pa after ou ha+e met anplan deductible! Coinsurance is a percenta-e of the cost of the ser+ice!

%oayment (coay)! The portion of the total cost of our care that ou pa #hen recei+in- care.tpicall after ou ha+e met our plan deductible! Co,paments are -enerall represented b a flatdollar amount!

%overed %harges! Those char-es #hich are considered medicall necessar and that are #ithinthe terms and conditions of our benefit plan!

"eductible Amounts! This is the amount of co+ered expenses that must be paid b oubefore the plan pas an benefit!

/ndividual "eductible! Once ou meet this threshold. the plan #ill be-in to pa benefits forco+ered expenses that ou incur!

*amily "eductible! Once a famil meets this threshold. the plan be-ins to pa benefits for allco+ered famil members. #hether or not that famil member has met the indi+idual deductible! *ourplan ma reuire that a specified number of indi+iduals satisf deductibles before the famildeductible is met!

/n29etwork and 5ut2o.29etwork 'ealth %are *acilities! These terms describe CIE(;s discountarran-ements #ith doctors. dentists. hospitals. and clinics in the :!)! and in CIG&"'inksQcountries as #ell!

In,net#or$ health care facilities ha+e si-ned contracts #ith CIG&" and ma offer discounts forhealth care ser+ice throu-h a relationship #ith CIE(! Often. net#or$ health care facilities allo#cashless settlement of claims at the point of care!

Out,of,net#or$ health care facilities do not accept CIG&" discounts for ser+ices and ma reuirethat ou pa for ser+ices at the point of care! CIE( expatriates and co+ered famil members ma+isit an health care facilit the choose. but choosin- a doctor #ho does not participate in the CIE(net#or$ ma lead to hi-her out,of,poc$et costs!

-i.etime a+imum! This is the maximum amount that the co+era-e #ill pa for all conditions foreach co+ered famil member!

edically 9ecessary!"ll medical and sur-ical ser+ices. supplies. and treatment that are

considered to be essential for the health of the expatriate or co+ered famil member! Medical caremust also be pro+ided on the recommendation and appro+al of a ualified health care professionalin order to be co+ered b CIE(!

5ut2o.2Pocket a+imum! This is the maximum amount of co+ered expenses ou #ould ha+e topa out of our o#n poc$et before most plan benefits are paable at 100 percent=

/ndividual 5ut2o.2Pocket! This is the amount each expatriate or co+ered famil membermust pa at the coinsurance rate before most benefits are paid at 100 percent! &ote= If thefamil out,of,poc$et maximum has been met. the indi+idual out,of,poc$et does not appl tothe indi+idual!

219 2011 CGI G%O: I&C!


22/44

*amily 5ut2o.2Pocket! This is the amount all co+ered famil members as a #hole #ill paat the coinsurance rate before most benefits are paid at 100 percent! *our plan ma reuirethat a specified number of indi+iduals satisf their indi+idual out,of,poc$et limits!

:easonable and %ustomary (:%)! The a+era-e char-es for medical ser+ices in a -eo-raphicarea for similar ser+ices to people #ho ha+e similar medical conditions! %easonable and customarchar-es onl appl to claims incurred in the :!)!

229 2011 CGI G%O: I&C!


23/44

5ision Co+era-e Options,ou can choose between Standard and +remium vision plans from #- or aStandard plan through S+.

Man members li$e to ha+e a choice bet#een +ision plans in order to ha+e access to net#or$ +ision

pro+iders! Therefore. CGI offers +ision plans from both :nitedealthcare and 5). t#o nationall

reco-niKed +ision care pro+iders #ith lar-e national net#or$s and locations across the :!)! "ll plans pa

-reater benefits for in,net#or$ care!

The +ision plans co+er ser+ices includin- annual ee exams. lenses. frames. and contact lenses! :nder

both :C and 5) )tandard lans. ou ma choose either contacts or lenses and frames once a ear! "s

sho#n in the table belo#. ou;ll ha+e an allo#ance of L180 per ear for :C and L1J8 for 5) for contacts!

If ou select contacts. ou #ill be eli-ible for lenses and frames in the follo#in- plan ear! The :C

remium lan #ould allo# ou to -et both contacts and -lasses in the same ear!

(oth the :C and 5) plans offer in, and out,of,net#or$ ser+ices! :C;s net#or$s focus more on nationalchain retailers. #hile 5);s net#or$ focuses a bit more on local doctors and some retailers! The table on

the follo#in- pa-e sho#s the benefits under the different plans! 5) has se+eral net#or$s! The CGI plan

#ith 5) uses the RChoiceS net#or$!

29 2011 CGI G%O: I&C!


24/44

This table compares the cost and $e features of the three +ision plan options a+ailable to ou!

/S/59%5:A8

=nited'ealthcare ision Plans SP ision Plan

Plan

.eatures

Standard Plan Premium Plan Standard Plan

/n2

9etwork

5ut2o.2

9etwork

/n2

9etwork

5ut2o.2

9etwork/n29etwork 5ut2o.29etwork

)pectacle'enses

Once per calendar ear T#ice per calendar ear Once per calendar ear

Frames Once per calendar ear T#ice per calendar ear Once per calendar ear

Contact 'enses6in lieu of lensesor frames7

Once per calendar ear T#ice per calendar ear Once per calendar ear

5isionExamination6once per planear7

L10 copa%eimbursed

up to L80L10 copa

%eimbursedup to L80

L10 copa %eimbursed up to L80

Pair o. -enses

)tandard )in-le

5ision 'enses

L10 copa%eimbursed

up to L80

L10 copa%eimbursed

up to L80


)tandard 'ined(ifocal

L10 copa%eimbursed

up to L40L10 copa

%eimbursedup to L40


)tandard 'inedTrifocal

L10 copa%eimbursed

up to L@8L10 copa

%eimbursedup to L@8

L10 copa %eimbursed up to LJ8

)tandard'enticular

L10 copa%eimbursedup to L100


L10 copa%eimbursed up to

L100

Frames

L10 copa.L80

#holesaleallo#anceor L10

retail

%eimbursedup to L48

L10 copa.L80

#holesaleallo#anceor L10

retail

%eimbursedup to L48

L10 copa. L80#holesale

allo#ance orL10 retail

%eimbursed up to L40

%ontact -enses

(in lieu o.lenses or.rames)

Medicall&ecessar



L10 copa%eimbursed up to

L280

Electi+eCo+ered infull up to

L180

%eimbursedup to L180

Co+ered infull up to

L180

%eimbursedup to L180

Co+ered in fullup to L1J8

%eimbursed up toL180

'asi$

18>discount off

re-ularprice. 8>

offpromotional

price

18>discount off

re-ularprice. 8>

offpromotional

price

18> discount offre-ular price. 8>off promotional

price

To learn more about the +ision plans. +isit=

www7vs7com for 5) +ision plan

www7myuhcvision7com for :C +ision plans

239 2011 CGI G%O: I&C!
http://www.vsp.com/http://www.vsp.com/


25/44

Flexible )pendin- "ccounts 6F)"s7/le0ible Spending ccounts (/Ss) allow you to use pre1ta0 dollars that you setaside from each paycheck to pay for certain eligible e0penses2 saving youmoney in ta0es.

CGI offers three tpes of F)"s= ealth Care. ependent Care. and Commuter! The ealth Care and

ependent Care F)"s are administered b " and the Commuter F)" is administered b @3#0 > @3000

&a+ savings in your aycheck > #0 > 0

6our 'ealth %are and "eendent %are *SA articiation does 95& automatically renew each year7

&o articiate you must enroll each year7 %ommuter contributions continue until you sto them7

Each ear. ou decide ho# much of our salar should be deducted from our pachec$ before taxes are

calculated and deposited into our ealth Care and ependent Care F)"s!


26/44

each ear! *ou must incur and pa for eli-ible expenses b ecember 1. 2012! *ou;ll ha+e until March

1. 201 to reuest reimbursement of eli-ible 2012 expenses!

ealth Care F)"First decide on ho# much 6minimum L120.

maximum L8.0007 ou #ant to put aside for thecomin- ear for eli-ible out,of,poc$et medical.

dental and +ision care expenses not reimbursable

b an insurance plan! Examples of eli-ible

expenses include deductibles. coinsurance.

copaments 6includin- prescription dru-s7. contact

lenses. ee-lasses. 'asi$. etc! 6unless co+ered

under a separate +ision plan7!

urin- open enrollment. ou;ll enroll usin- the online Open Enrollment Tool! *ou #ill recei+e a ealth

Care F)" card. similar to a ban$ account debit card. allo#in- ou to remo+e funds from our ealth Care

F)" #ith a simple s#ipe at accepted merchants! If ou choose not to use our F)" card. or our pro+ider

cannot accept an F)" card. ou al#as ha+e the option to pa #ith cash or chec$ and later submit apaper claim for reimbursement of eli-ible expenses! Claim forms and instructions on #here to fax our

form and receipts are a+ailable on the " Flex irect #ebsite ###!flexdirect!adp!com!

ependent Care F)"The ependent Care F)" lets ou pa #ith pre,tax dollars for dependent caresuch as da care or elder

careneeded to allo# ou 6or ou and our spouse. if married7 to #or$ outside our home! *ou can set

aside an amount from L120 to L8.000 a ear on a pre,tax basis to pa for eli-ible dacare expenses!

Enroll in the plan usin- CGI;s online Open Enrollment Tool! "fter ou ha+e incurred and paid an eli-ible

expense. submit a claim form and our receipt #ill be reimbursed! Claims submitted for expenses that

exceed our current account balance #ill remain pendin- until additional paroll contributions are appliedto our account! *ou ma do#nload a claim form at www7.le+direct7ad7com!

Enrollin-Dma$in- chan-es durin- the ear"s #ith CGI;s medical and dental plans. ou;re restricted from chan-in- our F)" elections! (ecause

ou;re usin- pre,tax dollars. re-ulations do not allo# chan-es to an F)" election durin- the ear unless

ou experience a chan-e,in,status e+ent 6e!-!. marria-e. di+orce. birth or adoption of a child. or loss of

co+era-e under a spouse;s plan7! In the case of a chan-e,in,status e+ent. ou ma ta$e the follo#in-

actions=

'ealth %are *SA! *ou ma O&'* increase the amount ou contribute to the annual maximum!

*ou ma not reduce or re+o$e the amount ou pre+iousl elected for the plan ear for an

reason! *our reuest to increase our election. alon- #ith supportin- documentation of the

chan-e,in,status e+ent. must be recei+ed b our local % representati+e #ithin 1 das!

"eendent %are *SA! *ou ma enroll in the plan or increase our contribution to the plan up to

the plan maximum! Certain life e+ents allo# chan-es durin- the ear. such as birth of a child!

*our reuest to enroll or chan-e our election amount. alon- #ith supportin- documentation of

the chan-e,in,status e+ent. must be recei+ed b our local % representati+e #ithin 1 das!

2J9 2011 CGI G%O: I&C!

Estimate our ealth Care

F)" contributions:se the Contribution lannin-


27/44

Commuter F)"*ou can elect both transit and par$in- accounts. but contributions cannot transfer bet#een the t#o! *ou

can elect to set aside an amount up to the I%) monthl limit. #hich can chan-e ear to ear! I%) Code

)ection 12 defines Commuter (enefits %eimbursement lans! *ou ma also refer to I%) ublication

ualified Transportation Frin-e (enefits 6%EG,11842,??7!

The commuter benefits pro-ram throu-h


28/44


29/44

E,uy2=F 6not subect to #ar Kone exclusion7 Enrollment Tool!

For supplemental life. spouse and child life insurance. ou #ill need to complete a ersonal ealth)tatement 6sometimes called Re+idence of insurabilitS or EOI7 for co+era-e amounts hi-her than the-uaranteed issue amount 6GI"7 amount sho#n! For co+era-e amounts under the GI" amount. ou #illnot ha+e to pro+ide a ersonal ealth )tatement if ou enroll #hen first offered!

)upplemental -roup term life insuranceurin- Open Enrollment 2012. ou ma purchase additional -roup term life insurance for our famil

throu-h paroll deductions!

)upplemental term life insurance for members

*ou ma purchase the lesser of 8 times annual base salar. or L00.000 of co+era-e without

pro+idin- a ersonal ealth )tatementN and up to 10 times base salar 6rounded up to next,hi-her

L1.0007. to L1!8 million with a ersonal ealth )tatement!

Term life insurance for spouseDdomestic partner*ou ma purchase spouseDdomestic partner life insurance in increments of L8.000 up to L0.000

#ithout pro+idin- a ersonal ealth )tatement! "dditional amounts ma be purchased #ith a

ersonal ealth )tatement up to a total of L800.000. if ualified!

Term life insurance for children

Members ma purchase life insurance on

dependent children in L8.000 increments. up

to L28.000! The monthl cost for children is

the same re-ardless of the number of

dependent children!

)upplemental accidental death dismemberment insurance

*ou ma purchase supplemental -roup

" insurance for ou and our famil in amounts from 1 to 10 times our base pa 6rounded up to

the next,hi-her L1.0007 up to L1!8 million! o# " benefits are paid=

ember5nly

ember Souse;Partner

ember %hild(ren)

emberSouse;Partner %hildr(en)

Percent o.,ene.it Paid!

100> 100> for member

80> for spouseDpartner

100> for member

18> for each child

100> for member

30> for spouseDpartner

10> for each child

2?9 2011 CGI G%O: I&C!

It pas to be tobacco,freeTobacco use can shorten our life! Therefore.

tobacco users pa hi-her rates for life insurance!

/. you are not a tobacco user you must take

action and choose Etobacco .reeF when

enrolling .or sulemental and souse li.e

insuranceotherwise you will ay tobacco2user

rates7


30/44

Other (enefits

-ere are some other benefits GI offers to help make members lives a littleeasier and safer.

Identif Theft rotectionCGI offers access to identit theft protection throu-h 9y Secure dvantage! This pro-ram pro+ides

protection for one of the fastest -ro#in- crimes toda A identit theft! )tatistics indicate an identit is

stolen e+er ei-ht seconds. resultin- in almost L82!J billion in losses annuall! M )ecure "d+anta-e is a

comprehensi+e pro-ram that offers assistance and support to an indi+idual #hen their identit is stolen!

Features of the pro-ram include the follo#in-=

23D4 I monitorin- A monitors credit. M5. criminal databases. etc!

:nlimited I theft counselin- A includes +ictim reco+er and limited po#er of attorne ad+ocac

ocument preparation

L1.000.000 expense reimbursement A assists #ith le-al fees. notar expenses. time loss from

#or$. etc!

'e-al and financial counselin-!

To enroll in the My Secure Advantage identit theft benefit. +isit ###!msaidprotect!comDenroll 6ou #ill be

prompted to enter a -roup number. #hich is 3@@7! The cost of the benefit is L?!?8 per month to co+er one

indi+idual and L1J!?8 per month to co+er a famil A up to four )ocial )ecurit numbers! The cost #ill be

deducted +ia paroll deduction on a bi#ee$l basis!

CIG&" Extra )er+icesCIG&" offers the follo#in- complementar ser+ices to members enrolled in their benefits=

%/89A AssureGFinancial. berea+ement. and le-al ser+ices for an beneficiar recei+in- a life,insurancepament from CIG&" A these ser+ices are a+ailable to beneficiaries once the ha+e recei+ed benefitchec$s of more than L8.000 from CIG&" Group Insurance 'ife and ersonal "ccident ro-rams!uestions about CIG&"ssurance ma be directed to 1,@00,840,44@ 6for referrals to counselin- andcommunit resources for financial. le-al. and emotional issues. etc!7!

/" &he.t ProgramGro+ides protection a-ainst dama-es caused b identit theft throu-h an arra of

ser+ices and is a+ailable for all members enrolled in CIG&" life. disabilit. or ". alon- #ith enrolled

famil members! Further information ma be obtained +ia email at ci-naVeuropassistance,usa!comor

call 1,@@@,22J,38J4 from the :) or Canada. or 202,1,4J8 collect from all other locations 6pleaseindicate that ou are a member of CIG&" )ecure Tra+el. policholder name= CGI Technolo-ies and

)olutions Inc!. polic= OP,?@02807!

Bill Prearation GOnline assistance #ith preparin- our #ill for all members enrolled in CIG&" life.disabilit. or ". alon- #ith enrolled famil members! 5isit ###!CIG&"


31/44

'ealthy :ewards Gro-rams and ser+ices to enhance our health and #ellness for all membersenrolled in CIG&" life. disabilit. or ". alon- #ith enrolled famil members! 5isit###!CIG&"!comDre#ards6pass#ord= sa+in-s7 or call 1,@00,28@,12!

Secure &ravel G"ssistance #hen ou tra+el 100 miles or more from home on compan business for all

members enrolled in CIG&" life. disabilit. or " 6assistance ma also be extended to a companion

andDor dependent children7! To use this benefit. email ci-naVeuropassistance,usa!comor call 1,@@@,22J,38J4 from the :) or Canada. or 202,1,4J8 collect from all other locations!

(ac$up Care OptionsCGI pro+ides members and their families access to (ac$up Care Options. a pro-ram that pro+ides

temporar or short,term care for lo+ed ones of an a-e #hen re-ular care-i+in- arran-ements fall

throu-h! This benefit is a+ailable 23 hours a da. se+en das a #ee$ and offers hi-h,ualit care for our

lo+ed ones so that ou can -et to #or$! )ixt hours of bac$up care are a+ailable per ear! *ou onl pa

#hen ou utiliKe the ser+ice at a rate of L2Dhour per child for center,based care and L3Dhour for in,home

care for up to three dependents! 'icensed. bonded and insured in,home and center,based pro+iders are

a+ailable to help #or$ throu-h a #ide +ariet of issues=

'ast,minute brea$do#ns in care 6illness. unreliable care-i+ers. school closures7

redictable circumstances 6holidas. summer brea$. care-i+er +acations. sur-er7

ifficult to resol+e situations 6non,traditional hours. lon-,distance care-i+in- situations7

If ou are interested in CGI;s (ac$up Care Options pro-ram. please +isit ###!bac$up!bri-hthoriKons!com

6username= CGIbac$upN pass#ord= bac$upcare17 or call 1,@44,(,C"%E) 6@44,232,2447 or 1,@00,884,

0@34! 6If ou are alread re-istered for the pro-ram. ou ma also use our current user name and

pass#ord!7

"doption "ssistance%eco-niKin- the broad di+ersit of CGI members #ho are buildin- families. CGI offers adoptionassistance that pro+ides members #ith financial reimbursement of up to L.000 per ear for ualified

adoption expenses 6e!-!. a-enc and placement fees. tra+el expenses associated #ith adoption. court

costs and le-al fees7! For more information. please contact our uman %esources representati+e!

82? Colle-e )a+in-s lanCGI offers a 82? Colle-e )a+in-s lan to allo# members to ta$e ad+anta-e of state,sponsored plans that

are desi-ned to be a tool to let ou sa+e for the pament of colle-e tuition for ourself. our children. our

-randchildren or other close relati+es! Man states ha+e established 82? plans and most plans #elcome

out of state residents and allo# contributions to be used to#ard out of state colle-e tuition and expenses!

In choosin- a 82? lan. in+estors should #ei-h the state income tax ad+anta-es. if an. of contributin- totheir in,state plan a-ainst the performance of the funds offered in the +arious state plans! Contributions to

the 82? plans are made on an after,tax basis. but the earnin-s and the #ithdra#als used for ualified

expenses are tax,free! Contributions to some state plans ma be tax deductible for state income tax

purposes! Contributions to our 82? Colle-e )a+in-s lan #ill be automaticall deducted from our

chec$in- or sa+in-s account. should ou choose to participate! To reuest a description of the CGI 82?

Colle-e )a+in-s lan. #ith a comprehensi+e Freuentl "s$ed uestions 6F"7 section. includin-

information about ris$s. char-es. or expenses. please contact our in+estment representati+es. Bohn

Clard or "n-ela


32/44

*ouecide Member "d+anta-esCGI has chosen *ouecide to pro+ide exclusi+e deals and discounts for CGI members! *ouecide offers

ou a one,stop discount shoppin- site for a #ide +ariet of insurance. financial. and consumer products

and ser+ices! *ou ha+e access to discounts from the hi-hest ualit pro+iders and retailers. a+ailable

exclusi+el throu-h Member "d+anta-es!

rotect our famil and our poc$etboo$

*ou ma be able to sa+e hundreds of dollars b shoppin- for our personal insurance needs throu-h

*ouecide! 6%euest a hassle,free uote for our auto. home. %5. boat or motorccle!7 In addition to the

insurance sa+in-s. ou/ll find -reat prices and speciall,selected discounts on financial ser+ices and

consumer products and ser+ices ust for CGI members!

"ccess *ouecide at www7youdecide7com;cgimembers!If ou need additional assistance or ha+e anuestions. *ouecide Consumer "d+isors are a+ailable b phone bet#een @ am and 4 pm ET. Mondathrou-h Frida! Bust call 1,@00,43J,42J or 1,@00,43J,42J or. if ou prefer. send an e,mail toadvisorHyoudecide7com!

/P5:&A9&= iscounted ser+ices and merchandise are offered to CGI members at the discretion of thebusiness partner! Certain restrictions ma appl! The information pro+ided on the *ouecide #ebsite has

been pro+ided directl b our business partners and #e belie+e it to be reliable! CGI cannot and does not

-uarantee the a+ailabilit of a discount pro+ided b a partner. nor does CGI -uarantee the accurac.

+alidit. timeliness or completeness of an discount information pro+ided b a business partner!

et InsurancePet Assureet "ssure is a discount plan that offers sa+in-s on out,of,poc$et pet care expenses! This

pro-ram helps reduce the cost in+ol+ed in carin- for our pets! (ecause et "ssure is not insurance.

there are no exclusions #hen ou see$ care from an in net#or$ pro+ider! E+er pet in our household is

co+ered. re-ardless of a-e. breed or an pre,existin-Dhereditar conditions! This pro-ram is a cost

effecti+e #a to pro+ide our famil pet #ith comprehensi+e protection! lan features include thefollo#in-=

28> off all medical ser+ices each and e+er time ou +isit a participatin- in,net#or$ +eterinarian

A ou recei+e our discount ri-ht at the +et;s office #ithout hassles. claim forms or deductibles

8A8> off pet products and specialt items at more than 1.000 participatin- national pet product

retailers

10A8> sa+in-s on pet ser+ices. such as boardin-. -roomin-. trainin-. etc!

23D4 et "ssure 'ocator )er+ice 6"') ta-7 A e+er pet that oins recei+es a pet I ta- lin$ed to

et "ssure;s 23D4 'ost et %eco+er )er+ice!

For a complete listin- of participatin- +eterinar practices and merchants. +isit ###!petassure!com or call

et "ssure at 122I2P&S7To enroll #ith et "ssure. please +isit www7etassure7com;cgi! The

cost of the benefit is L@!00 per month!

29 2011 CGI G%O: I&C!
http://www.youdecide.com/cgimembershttp://www.youdecide.com/cgimembersmailto:[email protected]://www.youdecide.com/cgimembersmailto:[email protected]


33/44

VPI Pet InsuranceFrom routine office +isits to si-nificant medical incidents. 5I et Insurance pro+ides

protection for our pet #hen he or she needs it most!


34/44

*our CGI Financial (enefits

GIs Share +urchase +lan and :5;(k) are valuable parts of your totalcompensation that can help you build wealth and save for retirement. ,ou mayenroll in these benefits at anytime throughout the year2 but of our salar

"ll Other Members= CGI #ill match up to 2!8> of our salar

&OTE= The match for R"ll Other MembersS #ill be increased 0!8> each ear until it reaches !8>!

For instructions on ho# to enroll. refer to the ) section on the CGI Enterprise ortal W% 'eadership

tab!

3016$7 )a+in-s lanThe CGI 3016$7 )a+in-s lan offers ou the abilit to sa+e for retirement #ith and reduce our federal and

most state and local taxes! *ou can contribute pre,tax dollars and recei+e a matchin- contribution from

CGI each pa period that ou participate in the plan! CGI #ill match our contribution at 80> up to 3> of

our salar. capped at L2.800!

*ou are eli-ible to participate upon hire! To enroll +isit###!di+in+est!com!

39 2011 CGI G%O: I&C!
http://www.divinvest.com/http://www.divinvest.com/http://www.divinvest.com/


35/44

*our 2012 Options and Costs

Comparin- our medical options= *iweekly ost

%overage ,iweekly cost

Member onl >7#@

Member )pouseDartner >$73$

Member Child6ren7 >3@71#

Member Famil >1073

Comparin- our dental options= *iweekly ost

%overage ,iweekly cost

Member onl >0

Member )pouseDartner >@70

Member Child6ren7 >37I0

Member Famil >$7$3

Comparin- our +ision options

=nited'ealthcare isionPlans

SP isionPlan

89 2011 CGI G%O: I&C!


36/44

Standard

Planonthly

Standard Plan,i2weekly

(based on #$ay eriods)

Premium Planonthly

Premium,i2weekly


StandardPlan

onthly

Standard ,i2weekly


MemberOnl

L8!2 L2!31 L11!84 L8!3 L8!@0 L2!J@

Member )pouse

L10!34 L3!@ L1J!0J L4!31 L11!J0 L8!8

Member Child6ren7

L11!81 L8!1 L1J!@3 L4!44 L12!4J L8!@?

Member Famil

L1J!43 L4!4 L0!0J L1!@4 L1@!8J L@!84

)upplemental Member 'ife and )pouse 'ife Insurance monthlcosts 6member,paid76rates per L1.000 in co+era-e7

Sulemental -i.e /nsurance Souse -i.e /nsurance

Age &obacco =ser 9on2&obacco =ser &obacco =ser 9on2&obacco =ser

X 28 L0!0J4 L0!03 L0!0J L0!034

28,2? L0!042 L0!082 L0!048 L0!08J

0,3 L0!10J L0!0J4 L0!101 L0!048

8,? L0!12 L0!0@ L0!11 L0!0@3

30,33 L0!130 L0!0?2 L0!12J L0!0?

38,3? L0!212 L0!18 L0!1@? L0!130

80,83 L0!2J L0!212 L0!2@? L0!218

88,8? L0!8J8 L0!300 L0!830 L0!301

J0,J3 L0!@@0 L0!J12 L0!@0 L0!J1J

J8,J? L1!420 L1!13? L1!8?J L1!1@8

40,43 L2!?80 L1!@00 L2!8@? L1!?22

48 L2!?80 L2!@00 L2!8@? L1!?22

Child 'ife Insurance and )upplemental " Co+era-e monthlcosts 6member,paid7

%overage onthly :ate er >1000 in%overage

)upplemental " , Member L0!10J

)upplemental " , Famil L0!12

Child 'ife Insurance L0!130

J9 2011 CGI G%O: I&C!


37/44

'on-,Term isabilit R(u :pS co+era-e monthl costs6member,paid7-&" ,uy2=+amle

Annual basesalary >40000 >I0000 >100000 >#00000

Monthl co+eredsalar L. L8.@ L@. L1J.JJ4

i+ided b L100 L L8@ L@ L1J4

Times (u,:premium L0!224 L0!224 L0!224 L0!224

Monthlremium L4!84 L1!23 L1@!?2 L4!@

AnnualPremium >070 >1370 >##I700 >434700

,i2BeeklyPremium >@74 >$711 >7I@ >1I74$

CGI (enefits Contact Information/. you need in.ormation on J %ontact777 %ontact in.ormation

edical and dental lans CIG&" International #ebsite= www7%/89Aenvoy7com

&oll2.ree! 12002332@$04

"irect! 0012@0#2II2@100

ision Plan

:C

5)

:nitedealthCare

5)

www7myuhcvision7com

12002$@2@1#0

www7vs7com

12002II2I13

*le+ible Sending Accounts " (enefit )er+ices www7.le+direct7ad7com

12002$342$$3

-i.e A"" and "isability /nsurance CIG&" htts!;;my7cigna7com

12002@$#244$#

401(k) lan i+ersified In+estment

"d+isors

www7divinvest7com

122#4I24#II

Share urchase lan

"ccess our account

)un 'ife Financial www7sunli.e7ca;member

12$$2I@@2$1#

ember Assistance Program Ceridian 'ife


38/44

About this guide

This -uide contains a -eneral summar of CGI;s medical. dental and +ision plans. flexible spendin-

accounts and other :!)! member benefits! It does not constitute a contract. either express or implied. or a

bindin- a-reement! For more information on our benefits plans and. in particular. our plan eli-ibilit. refer

to the official summar plan description for each plan or chec$ #ith our local uman %esources 6%7

representati+e! The summar plan descriptions are located on CGI;s enterprise portal! If there are

discrepancies bet#een the official plan documents and the content in this -uide. the official plan

documents #ill -o+ern! CGI reser+es the ri-ht to amend or terminate the plans mentioned in this -uide at

an time! Other benefits resources and lin$s are a+ailable on the :!)! Connect and Federal Connect

portals!

atient rotection and "ffordable Care "ctIndi+iduals #hose co+era-e ended. or #ho #ere denied co+era-e 6or #ere not eli-ible for co+era-e7.

because the a+ailabilit of dependent co+era-e of children ended before attainment of a-e 2J are eli-ible

to enroll in a CGI Technolo-ies and )olutions Inc! health plan! Indi+iduals ma reuest enrollment for

children under a-e 2J for 0 das from the date of this notice!


39/44

co+era-e! o#e+er. ou must reuest enrollment #ithin J0 das after our or our dependents/ co+era-e

ends under Medicaid or a state children/s health insurance pro-ram!

If ou or our dependents 6includin- our spouse7 become eli-ible for a state premium assistance subsid

from Medicaid or throu-h a state children/s health insurance pro-ram 6CI7 #ith respect to co+era-e

under this plan. ou ma be able to enroll ourself and our dependents in this plan! o#e+er. ou must

reuest enrollment #ithin J0 das after ou or our dependents/ determination of eli-ibilit for such

assistance!

To reuest special enrollment or obtain more information. contact our CGI % representati+e!

?9 2011 CGI G%O: I&C!


40/44

edicaid and the %hildrenKs 'ealth /nsurance Program (%'/P)5..er *ree or -ow2%ost 'ealth %overage to %hildren and *amiliesIf ou are eli-ible for health co+era-e from our emploer. but are unable to afford the premiums. somestates ha+e premium assistance pro-rams that can help pa for co+era-e! These states use funds fromtheir Medicaid or CI pro-rams to help people #ho are eli-ible for emploer,sponsored healthco+era-e. but need assistance in pain- their health premiums!

If ou or our dependents are alread enrolled in Medicaid or CI and ou li+e in a state listed belo#.ou can contact our )tate Medicaid or CI office to find out if premium assistance is a+ailable!

If ou or our dependents are &OT currentl enrolled in Medicaid or CI. and ou thin$ ou or an ofour dependents mi-ht be eli-ible for either of these pro-rams. ou can contact our )tate Medicaid orCI office or dial 12II2L/"S 95Bor www7insurekidsnow7govto find out ho# to appl! If ou ualif.ou can as$ the )tate if it has a pro-ram that mi-ht help ou pa the premiums for an emploer,sponsored plan!

Once it is determined that ou or our dependents are eli-ible for premium assistance under Medicaid orCI. our emploer;s health plan is reuired to permit ou and our dependents to enroll in the planaslon- as ou and our dependents are eli-ible. but not alread enrolled in the emploer;s plan! This iscalled a Rspecial enrollmentS opportunit. and ou must reuest co+era-e #ithin J0 das of bein-

determined eli-ible for premium assistance!

/. you live in one o. the .ollowing states you may be eligible .or assistance aying your emloyerhealth lan remiums7 &he .ollowing list o. states is current as o. Setember 1 #0107 6ou shouldcontact your State .or .urther in.ormation on eligibility7

A-A,AA G Medicaid %A-/*5:9/AA Medicaid


41/44

A:/M59AA CI


42/44


43/44

hone= 84,481,J?33 hone= ?1?,@88,3100

95:&' "AL5&AA Medicaid =&A'A Medicaid


44/44

S5=&' %A:5-/9AA Medicaid B/S%59S/9A Medicaid

Date post:	03-Jun-2018
Category:	Documents
Upload:	gurubalaji15
View:	215 times
Download:	0 times

2012 International Guide

Documents